Item 1. Business. Not Applicable. Item 1A.
Item 1A. Risk Factors. Item 1B.
Item 1B. Unresolved Staff Comments. Item 2.
Item 2. Properties. Item 3.
Item 3. Legal Proceedings. There were no legal proceedings. Item 4.
Item 4. Submission of Matters to a Vote of Security Holders. There were no matters submitted to a vote of the Security Holders. Not Applicable. Not Applicable. Not Applicable. Item 10.
Item 10. Directors and Executive Officers of the Registrant. Item 11.
Item 11. Executive Compensation. Item 12.
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. Item 13.
Item 13. Certain Relationships and Related Transactions. Item 14.
Item 14. Principal Accounting Fees and Services. PART III Not Applicable. Not Applicable. Not Applicable. Not Applicable. Not Applicable.
SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following
persons on behalf of the registrant and in the capacities and on the dates indicated. By (Signature and Title): Date /s/ E. Todd Whittemore 3/29/06 Aurora Loan Services LLC, as Master Servicer E. Todd Whittemore, Executive Vice President a) 1. Not Applicable. Item 15.
Item 15. Exhibits, Financial Statement Schedules. 2. Not Applicable.
3. Exhibits. b) See (a) 3 above.
c) Not Applicable. PART IV 31.1 Sarbanes-Oxley Certification 99.3 Annual Statement of Compliance for the year ended December 31, 2005 99.1 Independent Accountant's Servicing Report for the year ended December 31, 2005 99.2 Report of Management as to compliance with minimum servicing standards for the year ended December 31, 2005 a) Aurora Loan Services LLC, as Master Servicer 99.4 Aggregate Statement of Principal and Interest Distributions to Certificateholders as of December 31,2005 a) Aurora Loan Services LLC, as Servicer
b) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.
c) GMAC Mortgage Corporation, as Servicer
d) JP Morgan Chase Bank, N.A., as Servicer
e) Wells Fargo Bank, N.A., as Servicer a) Aurora Loan Services LLC, as Servicer
b) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.
c) GMAC Mortgage Corporation, as Servicer
d) JP Morgan Chase Bank, N.A., as Servicer
e) Wells Fargo Bank, N.A., as Servicer
Exhibit Index 31.1 Sarbanes-Oxley Certification 99.3 Annual Statement of Compliance for the year ended December 31, 2005 99.1 Independent Accountant's Servicing Report for the year ended December 31, 2005 99.2 Report of Management as to compliance with minimum servicing standards for the year ended December 31, 2005 a) Aurora Loan Services LLC, as Master Servicer 99.4 Aggregate Statement of Principal and Interest Distributions to Certificateholders as of December 31,2005 a) Aurora Loan Services LLC, as Servicer
b) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.
c) GMAC Mortgage Corporation, as Servicer
d) JP Morgan Chase Bank, N.A., as Servicer
e) Wells Fargo Bank, N.A., as Servicer a) Aurora Loan Services LLC, as Servicer
b) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.
c) GMAC Mortgage Corporation, as Servicer
d) JP Morgan Chase Bank, N.A., as Servicer
e) Wells Fargo Bank, N.A., as Servicer