PRICEWATERHOUSECOOPERS


                                                   PricewaterhouseCoopers LLP
                                                   214 N. Tryon Street
                                                   Ste 3600
                                                   Charlotte NC 28202
                                                   Telephone (704) 344 7500
                                                   Facsimile (704) 344 4100


            Report of Independent Registered Public Accounting Firm

To the Board of Directors and Shareholder of
Bank of America, N.A.:

We have examined management's assertion concerning the mortgage division of
Bank of America, N.A.'s (the "Company"), compliance with the minimum
servicing standards identified 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 included in the
accompanying Management's Assertion Concerning Compliance with USAP Minimum
Servicing Standards (see Exhibit 1).  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 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
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 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/ PricewaterhouseCoopers LLP
-------------------------------
PricewaterhouseCoopers LLP

March 17, 2006


Exhibit I


Bank of America.




               Management's Assertion Concerning Compliance
                   with USAP Minimum Servicing Standards


March 17, 2006

As of and for the year ended December 31, 2005, Bank of America, 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 ("USAP").

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amounts of $270,000,000 and $110,000,000,
respectively.



/s/ Floyd Robinson                               /s/ H. Randall Chestnut
--------------------                             ----------------------
Floyd Robinson                                   H. Randall Chestnut
Senior Vice President                            Senior Vice President
President Consumer Real Estate                   Bank of America, N.A.
Bank of America, N.A.

/s/ Mike Kula                                    /s/ Robert Caruso
-------------------                              ----------------------
Mike Kula                                        Robert Caruso
Senior Vice President                            Senior Vice President
Finance Executive                                National Servicing Executive
Bank of America, N.A.


/s/ J. Mark Hanson
--------------------
J. Mark Hanson
Senior Vice President
Bank of America, N.A