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
-------------
KPMG LLP


February 21, 2006

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


















WELLS                                                   1 Home Campus
FARGO                                                   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, N.A.

/s/ Frank R. Codel                               February 21, 2006
---------------------
Frank R. Codel
Executive Vice President, Finance and Corporate Real Estate
Well& Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.

/s/ Mary Coffin                                  February 21, 2006
---------------------
Mary Coffin
Executive Vice President, Servicing and Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/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.