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 Mortage 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

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)

[COLONIAL SAVINGS logo]



 Management's Assertion Concerning Compliance with USAP Minimum Servicing
                             Standards

November 10, 2004


As of and for the year ended September 30, 2004, Colonial Savings, F.A.
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, Colonial Savings, F.A. had in effect a
fidelity bond and errors and omissions policy in the amount of $10,000,000.


/s/ Jim E. DuBose
Jim E. DuBose
President and Chief Executive Officer

/s/ Ben Dempsey
Ben Dempsey
Senior Vice President and Chief Financial Officer


d)

                                         PO Box 84013
                                    Columbus, GA 31908-4013


                                [GreenPoint Mortgage logo]
                                         Servicing Division
                  Management Assertion

March 17, 2005


As of and for the year ended December 31, 2004, GreenPoint
Mortgage Funding, Inc. (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 the following:


 In certain circumstances, the mortgage interest rate
changes on certain Home Equity Lines of Credit were not
adjusted at the appropriate date in accordance with the
mortgagor'sloan documents. This resulted in the mortgagor
being overcharged for the period from the interest rate
change until the correct effective date, which was the
first day of the following month. This error was identified
by Management and the systemic issue that caused the
incorrect calculation of interest was resolved prior to
the issuance of this letter.


As of and for the year ended December 31, 2004, the Company
had in effect a fidelity bond in the amount of $25,000,000 for
a single loss limit and an aggregate limit of liability of
$50,000,000 and an errors and omissions policy in the amount
of $25,000,000 for a single loss limit and no aggregate
limit of liability.


Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer


 /s/ S.A. Ibrahim                            /s/ Dave Petrini
Name: S.A. Ibrahim                         Name: Dave Petrini
Title: Chief Executive Officer	      Title: Chief Financial Officer


 /s/ Mike De Francesco
 Name: Mike De Francesco
 Title: Senior Vice President Loan Administration

e)

[National City Mortage logo]

                              National City Mortgage Co.
                              A Subsidiary of National City Bank of Indiana
                              3232 Newmark Drive Miamisburg, Ohio 45342
                              Telephone: (937) 910-1200


                                Mailing Address:
                                P.O. Box 1820
                                Dayton, Ohio 45401-1820



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

                        Report of Management

We, as members of managemnet of National City Mortgage Co. (NCM), 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 NCM's compliance with
the minimum servicing standards as set forth in the USAP as of December 31,
2004 and for the year then ended. Based on this evaluation, we assert that
during the year ended December 31, 2004, NCM complied, in all material
respects, with the minimum servicing standards set forth in the USAP.

As of and for this same period, NCM had in effect a fidelity bond policy in
the amount of $200 million and an errors and omissions policy in the amount
of $250 million.



                             /s/ T. Jackson Case, Jr.
                             T. Jackson Case, Jr., Executive Vice President

                                             March 4, 2005

f)



[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

g)

[THirdFederal logo]
Savings & Loan





December 21, 2004

As of and for the year ended September 30, 2004, Third Federal Savings
& Loan Association of Cleveland (the "Association") has complied,
in all material respects, with the minimum servicing standards
set forth in Appendix I (the "Standards").  The Standards are
based on the Mortgage Bankders Association of America's Uniform
Single Attestation Program for Mortgage Bankers. As
of and for this same period, the Association had in effect
a fidelity bond policy in the amount of $10,000,000 and an
errors and omissions policy in the amount of $1,000,000 per occurrence.


/s/ Marc Stefanski
Marc Stefanski
Chairman of the Board and Chief Executive Officer


/s/ David Huffman
David Huffman
Chief Financial Officer


/s/ Kevin Alexander
Kevin Alexander
Vice-President of Secondary Marketing



Third Federal, 7007 Broadway Avenue, Cleveland, Ohio 44105 216-429-5000,
1-888-THIRD_FED
www.thirdfederal.com

								APPENDIX I

Minimum Servicing Standards as set forth in the Mortgage Bankers Association
of America's Uniform Single Attestation Program for Mortgage Bankers.

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 investor1s 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 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. 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.
VI.	DELINQUENCIES

1. Reports 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.

h)

Wachovia Mortgage Corporation
Corporate Mortgage Services Division
NC1045
401 South Tryon Street, 22nd Floor
Charlotte, NC 28288

Tel 800 691-4912

                                                       [Wachovia logo]


                        MANAGEMENT ASSERTION

As of and for the year ended December 31, 2004, Wachovia 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 the same period, Wachovia Mortgage Corporation had in effect
a fidelity bond and errors and omissions policy in the amount of
$200 million and $20 million, respectively.


/s/ C.D. Davies                                       March 11, 2005
C.D. Davies, President/                                    Date
                       Chief Executive Officer


/s/ Debbie Craig                                      March 11, 2005
Debbie Craig, Senior Vice President/                       Date
                       Chief Financial Officer


/s/ Tim Schuck                                        March 11, 2005
Tim Schuck, Vice President/                                Date
                       Director of Servicing