REPORT OF INDEPENDENT ACCOUNTANTS

Board of Directors
Midwest Loan Services, Inc.


We have examined management's assertion, included in the accompanying report
titled Report of Management, that Midwest Loan Services, Inc. complied with
the servicing standards identified in exhibit A to the Report of Management
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 the Company's compliance
with those specified 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 made in accordance with 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
specified minimum servicing standards and performing such other procedures as
we considered necessary in the circumstances. We believe that our examination
does not provide a legal determination on the Company's compliance with
specified minimum servicing standards.

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


/s/ UHY,LLP
------------
UHY, LLP

Southfield, Michigan
January 20, 2006


























                                                                     MIDWEST
                                                           LOAN SERVICES INC.
                                                616 Sheldcn Avenue, Suite 300
                                                                 P.O. Box 144
                                                      Houghton, MT 49931-0144
                                                        Phone: (906) 487-5870
                                                           Fax (906) 487-5869
                                                       e-mail: misloan@up.net
                                                    web: www.subservicer.com


February 22, 2006

                     Management's Assertion on Compliance
             With the Specified Minimum Servicing Standards Set Forth
           In the Uniform Single Attestation Program for Mortgage Bankers


We, as members of management of Midwest Loan Services, Inc. are responsible
for complying with the servicing standards identified in the attached Exhibit
A. These standards are 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 specked minimum servicing standards. We
have performed an evaluation of the Company's compliance with the specified
minimum servicing standards 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, the Company complied, in all material respects, with the
specified minimum servicing standards.

As of December 31, 2005 and for the year then ended, the Company had in
effect a fidelity bond and an errors and omissions policy in the amount of
$3,000,000.


/s/ Edward Burger
------------------
Edward Burger, President

/s/ Stephen Ranzini
------------------
Stephen Ranzini, Chairman of the Board


















                                                                     MIDWEST
                                                           LOAN SERVICES INC.
                                                616 Sheldcn Avenue, Suite 300
                                                                 P.O. Box 144
                                                      Houghton, MT 49931-0144
                                                        Phone: (906) 487-5870
                                                           Fax (906) 487-5869
                                                       e-mail: misloan@up.net
                                             web: www.midwestloanservices.com

                      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.

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.

    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.


Signed,
/s/ Edward Burger
Edward Burger, President

Date: March 23rd, 2006