Exhibit 99.2  -  Report of Management as to compliance with minimum
		 servicing standards for the year ended December 31, 2005


a)

[Aurora logo]



                  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 logo]

								     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.



[Aurora logo]

								     Exhibit A

             Specified Minimum Servicing Standards (continued)

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.



[Aurora logo]

								     Exhibit A

             Specified Minimum Servicing Standards (continued)

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.


b)



[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

c)



[Ocwen logo]

               Management Assertion on Compliance with USAP

February 27, 2006

As of and for the year ended December 31, 2005, Ocwen Loan Servicing,
LLC ("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), except
as specifically noted below, 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 persons 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.

We have complied with all aspects of this standard with the exception of
certain reconciling items which arose during the year ended December 31,
2005 were not cleared within 90 days of their original identification.
All items identified were subsequently cleared within 6 months.  As
of December 31, 2005, there was exactly 1 reconciling item totaling
$431,07 that had not cleared within 90 days of identification.

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

Certain ARM loans serviced by OLS were transferred in with incorrect look
back date due to errors in prior servicer records.  These certian loans
had ARM adjustments shortly after servicing transfer, but prior to OLS
receiving the related mortgage documents from the prior servicer.  When
OLS received the mortgage documents and these errors were identified, OLS
did not adjust the principal and interest payment amount.  OLS has
subsequently made adjustments to their procedures when they identify an
error in prior servicer data to analyze the affect on the customer's
account and make the appropriate adjustment.

As of and for this same period, OLS had in effect a fidelity bond in the
amount of $20,000,000 and an errors and omissions policy in the amount
of $5,000,000.


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


/s/ Brian J. LaForest                    /s/ Thomas Vickers
Brian J. LaForest                        Thomas Vickers
Director of Investor Reporting           Director and Servicing Controller

d)




[Option One Mortgage logo]                                 [H&R Block logo]


                          Management Assertion


As of and for the year ended December 31, 2005, Option One Mortgage
Corporation 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. As of and for this same
period, Option One Mortgage Corporation had in effect a fidelity bond and
errors and omissions policy in the amounts of $70,000,000 and $10,000,000
respectively.


/s/ Robert E. Dubrish
Robert E. Dubrish, Chief Executive Officer


/s/ William L. O'Neill
William L. O'Neill, Chief Financial Officer


/s/ Matthew A. Engel
Matthew A. Engel, Controller


/s/ Fabiola Camperi
Fabiola Camperi, Chief Servicing Officer


e)

[PHH Mortgage logo]

3000 Leadenhall Road
Mt. Laurel, NJ 08054



February 28, 2006

As of and for the year ended December 31, 2005, PHH Mortgage
Corporation (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, except for as discussed below.

The Company completed all custodial bank account reconciliations within
60 days of the cutoff date, however did not complete all
reconciliations within 45 days of the cutoff as specified by the
minimum servicing standards.  As such, the Company has determined that
it was materially non-compliant with the requirement to prepare
custodial bank account reconciliations within 45 calendar days after
the cutoff date.

During the year ended December 31, 2005, the Company determined it was
materially non-compliant with the requirement to resolve reconciling
items resulting from custodial bank account reconciliations within 90
days as specified by the minimum servicing standards.

As of and for this same period, the Company had in effect a fidelity
bond and errors and omissions policy in the amount of $160 million and
$20 million, respectively.



PHH Mortgage Corporation


/s/ Terence Edwards
Terence W. Edwards
President and Chief Executive Officer


/s/ Mark Danahy
Mark Danahy
Senior Vice President and Chief Financial Officer


/s/ Martin Foster
Martin L. Foster
Senior Vice President - Loan Servicing



APPENDIX I

PHH MORTGAGE CORPORATION - 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:
	* Be mathematically accurate;
	* Be prepared within forty-five (45) calendar days after 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.

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 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 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 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 payments 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.	Unused 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 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.  (A compilation of state laws
	relating to the payment of interest on escrow accounts may be obtained
	through the MBA's FAX ON DEMAND service.  For more information, contact
	MBA.)

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
	(e.g., 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.



f)

[Wells Fargo Home Mortgage. logo]  		          1 Home Campus
						          Des Moines, IA 50328



          Assertion of Management of Wells Fargo Home Mortgage,
                   a division of Wells Fargo Bank, N.A.



As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage,
a division of Wells Fargo Bank, N.A. (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.

As of and for this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and
$20 million, respectively.




/s/ Michael J. Heid                                           February 21,2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Franklin R. Codel 					      February 21,2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Mary Coffin         				      February 21,2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, NA.


/s/ Cara K. Heiden         				      February 21,2006
Cara K. Heiden, Division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.