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                      Independent Accountants' Report


The Board of Directors
Countrywide Financial Corporation:

We have examined management's assertion, included in the accompanying
management assertion, that Countrywide Financial Corporation and
subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans,
 Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-
owned subsidiary of CHL, (collectively, 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 Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary, Countrywide Home
Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-
owned subsidiary of CHL, 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
KMPG LLP


March 3, 2006



           KPMG LLP, a US. limited liability partnership, is the U.S.
            member firm of KPMG International, a Swiss cooperative.








Countrywide
HOME LOANS
2900 MADERA ROAD
SIMI VALLEY, CALIFORNIA 93065-6298
(805) 955-1000

                         Management Assertion


March 3, 2005

As of and for the year ended December 31, 2005, Countrywide Financial
Corporation and subsidiaries, including its wholly'-owned subsidiary,
Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing,
L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") have
complied in all material respects with the minimum servicing standards set
forth in the Mortgage Bankers Association of America's Uniform Single
Attestation for Mortgage Bankers_ As of and for this same period, the Company
had in. effect a mortgage bankers' (fidelity) bond in the amount of $200
million and an errors and omissions policy in the amount of $100 million and
$130 million for the period January 1, 2005 to August 1, 2005 and for the
period from August 1, 2005 to December 31, 2005, respectively.


/s/ Steve Bailey
Steve Bailey
Senior Managing Director and
Chief Executive Officer, Loan Administration


/s/ Kevin Meyers
Kevin Meyers
Managing Director and Chief Financial Officer
Loan Administration