Structured Asset Securities Corp. 2005-RMS1
SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the followingpersons 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. 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) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.b) JP Morgan Chase Bank, N.A., as Servicerc) Wells Fargo Bank, N.A., as Servicer a) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.b) JP Morgan Chase Bank, N.A., as Servicerc) 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) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.b) JP Morgan Chase Bank, N.A., as Servicerc) Wells Fargo Bank, N.A., as Servicer a) Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.b) JP Morgan Chase Bank, N.A., as Servicerc) Wells Fargo Bank, N.A., as Servicer         EX-31 2 rpt10ksasco2005rms1sox.htm SARBANES-OXLEY CERT     rpt10kSOX_ALS           Exhibit 31.1: Sarbanes-Oxley Certification Date I, E. Todd Whittemore, Executive Vice President of Aurora Loan Services LLC., certify that: I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Structured Asset Securities CorporationMortgage Pass-Through Certificates2005-RMS1 ; Based on my knowledge, the information in these reports, taken as a  whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report; Based on my knowledge, the distribution or servicing information required to be provided to the Trustee by the Servicer under the Pooling and Servicing or similar, agreement, for inclusion in these reports is included in these reports; I am responsible for reviewing the activities performed by the master servicer under the pooling and servicing, or similar, agreement, and  based on upon my knowledge and the annual compliance review required under that agreement, and except as disclosed in the reports, the master servicer has fulfilled its obligations under that agreement; and The reports disclose all significant deficiencies relating to the servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports. In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: Title U.S. Bank National Association, as Trustee Signature 1. 2. 3. 4. 5. 3/29/06                                                                                                              /s/ E. Todd Whittemore                                                                                                               Executive Vice President Chase Home Finance LLC, as Sub-servicer for JPMorgan Chase Bank, N.A.JP Morgan Chase Bank, N.A., as ServicerWells Fargo Bank, N.A., as Servicer         EX-99.2 BYLAWS 3 ex992_reportofmanagement.txt REPORT OF MANAGEMENT  Exhibit 99.2  -  Report of Management as to compliance with minimum    servicing standards for the year ended December 31, 2005  a)    [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  b)   [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 subservicing organizations to perform the servicing obligations subject to minimum servicing standards I-VI of USAP.  As of and for the 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 subservcing 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.  c)  [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.    EX-99.3 VOTING TRUST 4 ex993_compliance.txt SERVICER COMPLIANCE  Exhibit 99.3 - Annual Statement of Compliance for the year         ended December 31, 2005  a)  AURORA LOAN SERVICES A Lehman Brothers Company   Via UPS  February 23, 2006   Diana Kenneally U.S. Bank National Association 1 Federal Street, 3rd Floor Boston, MA 02110  RE: SASCO 2005-RMS1  Annual Officer's Certificate as to Compliance  Dear Ms. Kenneally:  The undersigned Officer certifies the following for the period ending on December 31, 2005:  1. I have reviewed the activities and performance of the Master Servicer during the preceding calendar year under the terms of the Trust Agreements and to the best of this Officer's knowledge, the Master Servicer has fulfilled all of its duties, responsibilities or obligations under the Agreements;  2. Based on said review and to the best of this Officer's knowledge, the Master Servicer is not in default of its obligations under the terms of the Trust Agreements in any material respect, or, if there is a default in the fulfillment of its obligations, a description of each default or failure and the nature and status thereof has been reported to this Officer;  3. To the best of this Officer's knowledge, nothing has arose to lead this Officer to believe that its Servicer has failed to perform any of its duties, responsibilities and obligations under its Servicing Agreement during the preceding calendar year;  4. To the best of this Officer's knowledge, the Servicer is not in default of its obligations under the terms of its Servicing Agreement in any material respect, or, if there is a default in the fulfillment of its obligations, a description of each default or failure and the nature and status thereof has been reported to this Officer;  5. The Master Servicer has received from its Servicer such Servicer's annual certificate of compliance and a copy of such Servicer's annual audit report, in each case to the extent required under the applicable Servicing Agreement, or, if any such certificate or report has not been received by the Master Servicer, the Master Servicer is using its best reasonable efforts to obtain such certificate or report.   Certified By:   /s/ R. Peter Karr R. Peter Karr Senior Vice President Master Servicing Division    EX-99.4 ACQ AGREEMNT 5 ex994_agg.htm AGGREGATE STATEMENT                Exhibit 99.4  Aggregate Statement of Principal and Interest Distributions toCertificateholders as of December 31,2005 STRUCTURED ASSET SECURITIES CORPORATIONMORTGAGE PASS-THROUGH CERTIFICATESSeries 2005-RMSI Original Beginning Ending Class Balance Balance Principal Interest Loss Balance A1 204,572,000.00 204,572,000.00 88,538,862.34 4,669,972.56 0.00 116,033,137.66 A2 103,580,000.00 103,580,000.00 0.00 2,944,132.43 0.00 103,580,000.00 A3 49,126,000.00 49,126,000.00 0.00 1,434,145.06 0.00 49,126,000.00 M1 23,350,000.00 23,350,000.00 0.00 712,204.28 0.00 23,350,000.00 M2 11,985,000.00 11,985,000.00 0.00 368,324.07 0.00 11,985,000.00 M3 3,100,000.00 3,100,000.00 0.00 97,654.75 0.00 3,100,000.00 M4 5,166,000.00 5,166,000.00 0.00 168,699.34 0.00 5,166,000.00 M5 3,719,000.00 3,719,000.00 0.00 125,738.89 0.00 3,719,000.00 M6 2,480,000.00 2,480,000.00 0.00 90,527.24 0.00 2,480,000.00 M7 2,066,000.00 2,066,000.00 0.00 80,978.89 0.00 2,066,000.00 M8 2,066,000.00 2,066,000.00 0.00 92,092.69 0.00 2,066,000.00 X 2,066,526.55 2,066,526.55 0.00 7,966,068.23 0.00 2,066,526.55 R 0.00 0.00 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 2,095,654.35 0.00 100.00         EX-99.1 CHARTER 6 ex991_usap.txt INDEPENDENT ACCOUNTANT'S SERVICING REPORT  EXHIBIT 99.1 -  Independent Accountant's Servicing Report for the year                 ended December 31, 2005  a)    [PricewaterhouseCoopers LLP 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  b)    [PricewaterhouseCoopers LLP 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 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, including 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 aspects.   /s/ PricewaterhouseCoopers LLP  March 13, 2006  c)  [KPMG LLP.logo]               KPMG LLP       2500 Ruan Center       666 Grand Avenue       Des Moines, IA 50309                         Independent Accountants' Report    The Board of Directors Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:   We have examined management's assertion, included in the accompanying Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. (the Company), that the Company complied with the minimum servicing standards set forth 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. 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 conducted 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 specified above 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/ KPMG LLP   February 21,2006    -----END PRIVACY-ENHANCED MESSAGE-----