Exhibit 99.4


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[Logo]ERNST & YOUNG     [Logo]Ernst & Young LLP                [Logo]Phone: (412) 644-7800
                              2100 One PPG Place                     www.ey.com
                              Pittsburgh, Pennsylvania 15222
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                 Report on Management's Assertion on Compliance
        with the Specified Minimum Servicing Standards Set Forth in the
            Uniform Single Attestation Program for Mortgage Bankers

            Report of Independent Registered Public Accounting Firm


Board of Directors and Shareholders of
National City Home Loan Services, Inc.
 A Subsidiary of National City Bank of Indiana

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Home Loan Services, Inc. (NCHLS)
complied with the minimum servicing standards identified in Exhibit A to the
Report of Management (the specific minimum servicing standards) as set forth in
the Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) during the year-ended December 31, 2005. Management
is responsible for NCHLS' compliance with the specified minimum servicing
standards. Our responsibility is to express an opinion on management's
assertions about NCHLS' compliance based on our examination.

Our examination was made in accordance with attestation standards established by
the Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCHLS' compliance with the
specified 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 NCHLS' compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCHLS complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2005, is fairly stated, in all material respects.


                                              /s/ Ernst & Young LLP

March 1, 2006




                   A Member Practice of Ernst & Young Global

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National City(R)                          National City Home Loan Services, Inc.
                                          P.O. Box 1838
                                          Pittsburgh, PA 15230-1838




         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 National City Home Loan Services, Inc. (NCHLS),
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 NCHLS'
compliance with the specified minimum servicing standards as set forth in the
USAP as of December 31, 2005 and for the year then ended. Based on this
evaluation, we assert that during the year ended December 31, 2005, NCHLS
complied, in all material respects, with the specified minimum servicing
standards set forth in the USAP.

As of December 31, 2005 and for the year then ended, NCHLS had in effect a
fidelity bond policy in the amount of $200 million and an errors and omissions
policy in the amount of $200 million.


                                        /s/ Nanette M. Stevens
                                        ---------------------------------
                                        Nanette M. Stevens
                                        Senior Vice President & General Manager

                                        /s/ Timothy C. Lulich
                                        ---------------------------------
                                        Timothy C. Lulich
                                        Senior Vice President & Contoller

March 1, 2006



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National City Home Loan Services, Inc. is a subsidiary of National City Bank of Indiana. First Franklin and NationPoint
are divisions of National City Bank of Indiana, which is a wholly-owned subsidiary of National City Corporation. National City
Home Loan Services, Inc. services loans for the following affiliated entities as First Franklin Loan Services, National City Loan
Services and NationPoint:

<S>                                         <C>                                       <C>
National City Bank                          National City Bank of Indiana             National City Bank of Kentucky
National City Bank of the Midwest           National City Bank of Pennsylvania        NationPoint
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                                                                   EQUAL HOUSING
                                                                       LENDER

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                                    Exhibit A
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                      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.


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                                    Exhibit A
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               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.


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                                    Exhibit A
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                Specified Minimum Servicing Standards (continued)

V.    Mortgagor Loan Accounting (continued)

      4.    Interest on escrow accounts shall be paid, or credited, to
            mortgagors in accordance with the applicable state laws.

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.


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