Exhibit 99.4

KPMG  [LOGO]

                  KPMG LLP
                  55 Second Street
                  San Francisco, CA 94105

                         Independent Accountants' Report

The Board of Directors
North Fork Bancorporation, Inc.:

We have examined management's assertion, included in the accompanying Management
Assertion, that GreenPoint Mortgage Funding, Inc., a wholly owned subsidiary of
North Fork Bancorporation, Inc., 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 GreenPoint Mortgage Funding,
Inc.'s compliance with those minimum servicing standards. Our responsibility is
to express an opinion on management's assertion about GreenPoint Mortgage
Funding, Inc.'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 GreenPoint
Mortgage Funding, Inc.'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
GreenPoint Mortgage Funding, Inc.'s compliance with the minimum servicing
standards.

Our examination disclosed the following material noncompliance with minimum
servicing standards over custodial bank accounts as of and for the year ended
December 31, 2005. Certain custodial bank account reconciliations were not
prepared and reviewed on a timely basis. In addition, there are certain
custodial bank accounts that have reconciling items that have not been resolved
within 90 calendar days of their original identification.

In our opinion, except for the material noncompliance described in the third
paragraph, GreenPoint Mortgage Funding, Inc. complied, in all material respects,
with the aforementioned minimum servicing standards as of and for the year ended
December 31, 2005.


                                    /s/ 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.
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                                                           100 Wood Hollow Drive
                                                           Novato, Ca. 94945
                                                           (800) 462-2700

                                                      GreenPoint [LOGO] Mortgage

                             Management's Assertion

February 21, 2006

As of and for the year ended and December 31, 2005, GreenPoint Mortgage Funding,
Inc. 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, except as follows:

      o     During the year, certain custodial bank account reconciliations were
            not prepared and reviewed on a timely basis. In addition, there are
            certain custodial bank accounts that have reconciling items that
            have not been resolved with 90 calendar days of their original
            identification. For the month ended December 31, 2005, all custodial
            bank reconciliations had been completed and reviewed on a timely
            basis.

As of and for the year ended December 31, 2005, GreenPoint Mortgage Funding,
Inc. had in effect a fidelity bond in the amount of $25,000,000 for a single
loss limit and an aggregate limit of liability of $50,000,000, and an errors and
omissions policy in the amount of $25,000,000 for a single loss limit and no
aggregate limit of liability.

Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer


/s/ Steve Abreu                              /s/ Dave Petrini
-----------------------------------          -----------------------------------
Steve Abreu                                  Dave Petrini
Chief Executive Officer                      Chief Financial Officer



/s/ Becky Poisson
----------------------------------------------------
Becky Poisson
Executive Vice President of Technology and Servicing