November 1, 2004

Colonial Savings, F.A.
2626 West Freeway
Fort Worth, Texas 76702
Attention: F. Allen Maulsby


         Reference is made to that certain Correspondent Servicing Agreement,
dated as of June 26, 2002 (the "Servicing Agreement") annexed as Exhibit C, by
and between the Colonial Savings, F.A. (the "Servicer"), Lehman Brothers Bank,
FSB (the "Bank") and Aurora Loan Services Inc. (the "Master Servicer"). This
notice constitutes a "Transfer Notice" as contemplated by Section 7.01 of the
Servicing Agreement. Capitalized terms used herein without definition and
defined in the Servicing Agreement are used herein as defined therein. Reference
is also made to that certain Assignment and Assumption Agreement, dated as of
November 1, 2004 (the "Assignment") annexed as Exhibit A, by and between the
Bank and Lehman Brothers Holdings Inc. (the "Owner") pursuant to which the Owner
acquired from the Bank all of the Bank's right, title and interest in and to
certain of the Mortgage Loans currently serviced under the Servicing Agreement
and assumed for the benefit of the Servicer and the Bank the rights and
obligations of the Bank as owner of such Mortgage Loans pursuant to the
Servicing Agreement. Exhibits D-1 and D-2 hereto shall supercede Exhibits C-1
and C-2 to the Servicing Agreement.

         The Servicer is hereby notified that the Owner has effected a
Reconstitution with respect to the mortgage loans listed on the attached
schedule (the "Mortgage Loans"). The Servicer is hereby advised of the following
with respect to such Reconstitution and the related Mortgage Loans:

         EFFECTIVE DATE OF RECONSTITUTION: November 1, 2004

         CUT-OFF DATE: November 1, 2004

         NEW OWNER: Citibank, N.A., as trustee for the Structured Asset
         Securities Corporation, Series 2004-22 Certificateholders

         MASTER SERVICER:  Aurora Loan Services Inc.

         The Servicer is also hereby advised that a REMIC election has been made
with respect to the Mortgage Loans subject to the Reconstitution.

         By countersigning this notice and returning it to the Master Servicer
named above, the Servicer hereby acknowledges and agrees that, from and after
the Effective Date, the Servicer shall service the Mortgage Loans in accordance
with the terms of the Servicing Agreement for the benefit of the New Owner named
above, as the Owner of the Mortgage Loans. From and after the Effective Date,
the New Owner named above shall have the same rights under the Servicing
Agreement as the Initial Owner named therein with respect to the Mortgage Loans.


                                       1


         In addition to the terms and conditions set forth in the Servicing
Agreement, the Servicer hereby acknowledges and agrees that on or before the
last day of February of each year, beginning with February 28, 2005, the
Servicer, at its own expense, will deliver to the Owner and the Master Servicer
a Servicing Officer's certificate stating, as to each signer thereof, that (i) a
review of the activities of the Servicer during such preceding fiscal year and
of performance under this Agreement has been made under such officers'
supervision, and (ii) to the best of such officers' knowledge, based on such
review, the Servicer has fulfilled all its obligations under this Agreement for
such year, or, if there has been a default in the fulfillment of all such
obligations, specifying each such default known to such officer and the nature
and status thereof including the steps being taken by the Servicer to remedy
such default.

         For so long as a certificate under the Sarbanes-Oxley Act of 2002, as
amended, ("Sarbanes-Oxley") is required to be given on behalf of Structured
Asset Securities Corporation, Mortgage Pass-Through Certificates, Series 2004-22
(the "Trust Fund,") no later than March 15th of each year (or if not a Business
Day, the immediately preceding Business Day), or at any other time that the
Master Servicer, Structured Asset Securities Corporation (the "Depositor") or
Citibank, N.A. (the "Trustee") provides a certification pursuant to
Sarbanes-Oxley and upon thirty (30) days written request of such parties, an
officer of the Servicer shall execute and deliver an Officer's Certificate to
the Master Servicer, the Trustee and the Depositor for the benefit of the Trust
Fund and the Master Servicer, the Trustee and the Depositor and their officers,
directors and affiliates, in the form of Exhibit B hereto.



                      [SIGNATURE PAGE IMMEDIATELY FOLLOWS]

                                       2




                                    LEHMAN BROTHERS HOLDINGS INC., as Owner


                                     By:________________________________________
                                     Name:  Joseph J. Kelly
                                     Title: Authorized Signatory

Acknowledged by:

COLONIAL SAVINGS, F.A.,
 as Servicer


By:_______________________________
Name:
Title:



                                        3




                                    EXHIBIT A

                              Assignment Agreement

                             [INTENTIONALLY OMITTED]


                                      A-1


                                    EXHIBIT B


Structured Asset Securities Corporation
745 Seventh Avenue, 7th Floor
New York, New York  10019

Aurora Loan Services Inc.
2530 South Parker Road, Suite 601
Aurora, Colorado 80014

Re: Structured Asset Securities Corporation, Mortgage Pass-Through Certificates,
    Series 2004-22
    ----------------------------------------------------------------------------



Reference is made to the Transfer Notice, dated as of November 1, 2004 (the
"Notice"), by and among Lehman Brothers Holdings Inc., as owner and Colonial
Savings, F.A., as servicer (the "Servicer"). I, [identify the certifying
individual], a [title] of the Servicer, hereby certify to Citibank, N.A., as
trustee (the "Trustee"), Aurora Loan Services Inc., as master servicer (the
"Master Servicer") and Structured Asset Securities Corporation, as depositor
(the "Depositor"), and their respective officers, directors and affiliates, and
with the knowledge and intent that they will rely upon this certification, that:

1.   I have reviewed the information required to be delivered to the Master
     Servicer pursuant to the Servicing Agreement (the "Servicing Information");

2.   Based on my knowledge, the Servicing Information does not contain any
     material untrue information or omit to state information necessary to make
     the Servicing Information, in light of the circumstances under which such
     information was provided, not misleading as of the date of this
     certification;

3.   Based on my knowledge, the Servicing Information has been provided to the
     Master Servicer when and as required under the Servicing Agreement;

4.   I am responsible for reviewing the activities performed by the Servicer
     under the Servicing Agreement, and based upon the review required
     thereunder, and except as disclosed in writing to you on or prior to the
     date of this certification ( a copy of which disclosure is attached
     hereto), the Servicer has, as of the date of this certification, fulfilled
     its obligations under this Servicing Agreement; and



                                      B-1



5.   I have disclosed to the accountants conducting the annual review required
     under Section 6.05 of the Servicing Agreement all significant deficiencies
     relating to the Servicer's compliance with the Servicing Agreement.

                                            COLONIAL SAVINGS, F.A.

                                            Name:    ___________________________
                                            Title:   ___________________________
                                            Date:    ___________________________



                                      B-2




                                    EXHIBIT C

                               Servicing Agreement

                                See Exhibit 99.8


                                      C-1


                                  EXHIBIT D-1
                        FORM OF MONTHLY REMITTANCE ADVICE



FIELD NAME                 DESCRIPTION                                               FORMAT
----------                 -----------                                               ------

INVNUM                     INVESTOR LOAN NUMBER                                      Number no decimals
SERVNUM                    SERVICER LOAN NUMBER, REQUIRED                            Number no decimals
BEGSCHEDBAL                BEGINNING SCHEDULED BALANCE FOR SCHED/SCHED               Number two decimals
                           BEGINNING TRAIL BALANCE FOR ACTUAL/ACTUAL,
                           REQUIRED
SCHEDPRIN                  SCHEDULED PRINCIPAL AMOUNT FOR SCHEDULED/SCHEDULED        Number two decimals
                           ACTUAL PRINCIPAL COLLECTED FOR ACTUAL/ACTUAL,
                           REQUIRED, .00 IF NO COLLECTIONS
CURT1                      CURTAILMENT 1 AMOUNT, .00 IF NOT APPLICABLE               Number two decimals
CURT1DATE                  CURTAILMENT 1 DATE, BLANK IF NOT APPLICABLE               DD-MMM-YY
CURT1ADJ                   CURTAILMENT 1 ADJUSTMENT, .00 IF NOT APPLICABLE           Number two decimals
CURT2                      CURTAILMENT 2 AMOUNT, .00 IF NOT APPLICABLE               Number two decimals
CURT2DATE                  CURTAILMENT 2 DATE, BLANK IF NOT APPLICABLE               DD-MMM-YY
CURT2ADJ                   CURTAILMENT 2 ADJUSTMENT, .00 IF NOT APPLICABLE           Number two decimals
LIQPRIN                    PAYOFF, LIQUIDATION PRINCIPAL, .00 IF NOT APPLICABLE      Number two decimals
OTHPRIN                    OTHER PRINCIPAL, .00 IF NOT APPLICABLE                    Number two decimals
PRINREMIT                  TOTAL PRINCIPAL REMITTANCE AMOUNT, .00 IF NOT APPLICABLE  Number two decimals
INTREMIT                   NET INTEREST REMIT, INCLUDE PAYOFF INTEREST,              Number two decimals
                           .00 IF NOT APPLICABLE
TOTREMIT                   TOTAL REMITTANCE AMOUNT, .00 IF NOT APPLICABLE            Number two decimals
ENDSCHEDBAL                ENDING SCHEDULED BALANCE FOR SCHEDULED/SCHEDULED          Number two decimals
                           ENDING TRIAL BALANCE FOR ACTUAL/ACTUAL
                           .00 IF PAIDOFF, LIQUIDATED OR FULL CHARGEOFF
ENDACTBAL                  ENDING TRIAL BALANCE                                      Number two decimals
                           .00 IF PAIDOFF, LIQUIDATED OR FULL CHARGEOFF
ENDDUEDATE                 ENDING ACTUAL DUE DATE, NOT LAST PAID INSTALLMENT         DD-MMM-YY
ACTCODE                    60 IF PAIDOFF, BLANK IF NOT APPLICABLE                    Number no decimals
ACTDATE                    ACTUAL PAYOFF DATE, BLANK IF NOT APPLICABLE               DD-MMM-YY
INTRATE                    INTEREST RATE, REQUIRED                                   Number seven decimals
                                                                                     Example .0700000 for 7.00%
SFRATE                     SERVICE FEE RATE, REQUIRED                                Number seven decimals
                                                                                     Example .0025000 for .25%


                                     D-1-1


PTRATE                     PASS THRU RATE, REQUIRED                                  Number seven decimals
                                                                                     Example .0675000 for 6.75%
PIPMT                      P&I CONSTANT, REQUIRED                                    Number two decimals
                           .00 IF PAIDOFF

                                     D-1-2





                                   EXHIBIT D-2

                STANDARD LAYOUT FOR MONTHLY DEFAULTED LOAN REPORT



FIELD NAME                                           DESCRIPTION
----------                                           -----------

% of MI Coverage                                     % of MI Coverage
Actual MI Claim Filed Date                           The date the Claim to the MI Company was filed
Actual Bankruptcy Start Date (filing date)           Actual Bankruptcy Start Date (filing date)
Actual Claim Amount Filed                            The amount claimed to the MI company on the MI claim
Actual Discharge Date                                Date Bankruptcy was Discharged
Actual Due Date                                      Next Payment Due Date
Actual Eviction Complete Date                        Actual Eviction Complete Date
Actual Eviction Start Date                           Actual Eviction Start Date
Actual First Legal Date                              Actual First Legal Date
Actual Notice of Intent Date (breach letter date)    Actual Notice of Intent Date (breach letter date)
Actual Payment Plan End Date                         The date the Last Pre-petition payment is due from the Trustee in a
                                                      chapter 13 BK
Actual Payment Plan Start Date                       The date the First Pre-petition payment is due from the Trustee in a
                                                      chapter 13 BK
Actual Redemption End Date                           Actual Redemption End Date
Actual REO Start Date                                The date the account was received by the REO Deaprtment
Appraisal, BPO Costs                                 Total expenses incurred for the purpose of BPO's or Appraisals.
Bankruptcy Chapter                                   Bankruptcy Chapter 7,11,13
BK Atty Fees & Costs                                 BK Atty Fees & Costs
BK Flag (Man Code)                                   A code that identifies the account as an active Bankruptcy.
Bnk Case # (7 digit only)                            Bnk Case # (7 digit only)
City                                                 City
Claim Amount Paid                                    MI Claim Amount
Claim Funds Received Date                            The date the MI Claim funds were received from the MI Company
Confirmation Hearing Date                            Confirmation Hearing Date
Current Interest Rate                                Current Interest Rate
Current Loan Amount                                  Unpaid Principal Balance
Current P&I Payment Amount                           Current P&I Payment Amount
Date Bid Instructions Sent                           Date Bid Instructions Sent to Attorney
Date F/C Sale Scheduled                              The date the Foreclosure sale is scheduled to occur.
Date Filed Relief/Dismissal                          The date the motion for Relief or Dismissal was filed with the BK Court
Date Loan Reinstated                                 Date Loan Reinstated


                                     D-2-1



Date POC Filed                                       Date proof of claim filed
Date Relief/Dismissal Granted                        The date the BK court granted the motion for Relief or Dismissal
Date REO Offer Accepted                              Date REO Offer Accepted
Date REO Offer Received                              Date REO Offer Received
Deal Identifier by Loan                              Security Name/Cross reference Investor ID (Servicer to Cross reference)
Delinquency Status (Man Code)                        30, 60, 90, BK, FC, REO, Claims or a code that can be decoded to determine the
                                                       current status of the account.
Loss Mit Denial Date                                 Loss Mit Denial Date
Eviction Atty Fees & Costs                           Eviction Atty Fees & Costs
F/B 1st Due (if applicable)                          F/B 1st Due (if applicable)
F/B Last Due (if applicable)                         F/B Last Due (if applicable)
FC Atty Fees & Costs                                 FC Atty Fees & Costs
FC Flag                                              A code that identifies the account as an active Foreclosure.
FC Start Date (referral date)                        FC Start Date (referral date)
FC Suspended Date                                    FC Suspended Date
FC Valuation Amount                                  The value of the property as determined for the purpose of foreclosure.
FC Valuation Date                                    The date the property value was determined for the purpose of foreclosure.
FC Valuation Source                                  The type of valuation that was used to determine the Fc Valuation amount.
FHA 27011A Transmitted Date                          FHA 27011A Transmitted Date
FHA 27011B Transmitted Date                          FHA 27011B Transmitted Date
FHA Case #                                           FHA Case #
FHA Part A Funds Received Date                       FHA Part A Funds Received Date
First Payment Date                                   First Payment Date
Foreclosure Actual Sale Date                         Date F/C Sale Held
VA Gaurantee %                                       VA Gaurantee %
Interest Advances                                    Interest Advances
Investor Loan Number                                 Investor Loan Number
INVESTOR/SECURITY BILLING SENT DATE                  Date claim submitted to investor
Liquidation Status                                   Type of PIF, S/S, 3rd Party etc.
VA Loan Gaurantee Certificate Number                 VA Loan Gaurantee Certificate Number
Loan Number                                          Servicer Loan Number
Loan Term                                            Loan Term
Loan Type                                            Loan Type
Loss Mit Approval Date                               Loss Mit Approval Date
Loss Mit Flag (Man Code)                             A code that identifies the account as an active Loss Mit account.
Loss Mit Removal Date                                The date the Loss Mit Department determined that Loss Mit Options were no
                                                       longer a viable option.
Loss Mit Start Date                                  Loss Mit Set-up Date
Loss Mit Type                                        S/S, Forbearance, Repay, Mod,etc.


                                     D-2-2


Loss Mit Workstation Status                          Completed, Removed, Active
MI Certificate Number                                MI Certificate Number
MI Cost                                              Price percentage, lender paid only
MI Coverage Y/N                                      MI Coverage Y/N
Monthly MIP Cost                                     The monthly fee paid to HUD to maintain coverage on the account.
Next Payment Adjustment Date                         Next Payment Adjustment Date
Next Rate Adjustment Date                            Next Rate Adjustment Date
Occupancy Status                                     Occupancy Status
Occupancy Status Date                                The date the occupancy status reported was determined.
Original Loan Amount                                 Original Loan Amount
Original Value Amount                                The value of the property as determined at the origination of the account.
Origination Date                                     The date the closing occurred to originate the loan.
ORIGINATION VALUE DATE                               The date the original Value Amount was determined.
ORIGINATION VALUE SOURCE                             The type of valuation that was used to determine the Original Value amount.
Other Advance Expenses                               Total Advances minus all other/detail and total
Ownership Code
Paid in Full Date                                    Date loan liquidated from system UPB removed
Paid Off Code
Part B Funds Received Date                           FHA/VA Only

Partial Prepayment Amount Collected
Post Petition Due Date
Prepayment Expiration Date                           Term
Prepayment Flag
Prepayment Premium Collected
Prepayment Waived
Product Type
Property Condition
PROPERTY PRESERVATION FEES
Property Type
Realized Gain or Loss
Reason for Default
Reason Suspended
Relief/Dismissal Hearing Date
REO Repaired Value
REO Value(As-is)
REO Actual Closing Date
REO Flag (Man Code)
REO List Date

                                     D-2-3




REO List Price
REO Net Sales proceeds
REO Sales Price
REO Scheduled Close Date
REO Value Date
REO VALUE SOURCE
Repay First Due Date
Repay Last Due Date
Repay Next Due Date
Repay Plan Broken Date
Repay Plan Created Date
SBO LOAN NUMBER
Scheduled Balance
Scheduled Due Date
Servicing Fee
State
Street Address
T&I Advances
Title Approval Letter Received Date
Title Package to HUD Date
Title Package to VA Date
VA Claim Funds Received Date
VA Claim Submitted Date
VA FIRST FUNDS RECEIVED AMOUNT
VA FIRST FUNDS RECEIVED DATE
VA NOE Submitted Date
ZIP CODE
FNMA ACTION CODE
FNMA DELINQUENCY REASON CODE



                                     D-2-4