ERNST & YOUNG             Ernst & Young LLP            Phone: (216) 861-5000
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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 Accountants


Board of Directors
National City Mortgage Co.

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Mortgage Co. (NCM) 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 during the year-ended December 31, 2005. Management is
responsible for NCM's compliance with the specified minimum servicing
standards. Our responsibility is to express an opinion on management's
assertions about NCM's 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 NCM'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 provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on NCM's compliance
with specified minimum servicing standards.

In our opinion, management's assertion that NCM 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
                                        ----------------------
                                         Ernst & Young LLP

March 1, 2006















NationalCity:
Mortgage Co.
                               National City Mortgage Co.
                               A Subsidiary of National City Bank of Indiana
                               3232 Newmark Drive, Miamisburg, Ohio 45342
                               Telephone: (937) 910-1200


                               Mailing Address:
                               P.O. Box 1820
                               Dayton, Ohio 45401-1820

    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 Mortgage Co. (NCM), 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
NCM'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, NCM 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, NCM had in effect a
fidelity bond policy in the amount of $200 million and an errors and
omissions policy in the amount of $250 million.


                                               /s/Steven M. Scheid
                                               --------------------
                                               Steven M. Scheid
                                               Senior Vice President

                                               /s/ T. Jackson Case, Jr.
                                               -----------------------
                                               T. Jackson Case, Jr.
                                               Executive Vice President

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 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.