Exhibit 99.2  -  Report of Management as to compliance with minimum
		 servicing standards for the year ended December 31, 2005





[National City logo]	National City Home Loan Services, Inc.
			P.O. Box 1838
			Pittsburgh, PA 15230-1838

Management's Assertion of 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 (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 & Controller

March 1, 2006



Exhibit A

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 item 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.


Exhibit A

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 (2) business days to the mortgagor's or investor's
		records maintained by the servicing entity.

	3.	Tax and insurance payments shall be made 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 payments 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.


Exhibit A

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 payments 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.