Exhibit 99.4

[GRAPHIC OMITTED] ERNST & YOUNG

                              Ernst & Young LLP            Phone: (216) 861-5000
                              Suite 1300                   www.ey.com
                              925 Euclid Avenue
                              Cleveland, Ohio 44115



                 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.

                                        Ernst & Young LLP



March 1, 2006




                   A Member Practice of Ernst & Young Global

<PAGE>

NATIONAL CITY                     National City Mortgage Co.
Mortage Co. (LOGO OMITTED)        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








<PAGE>


                                    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.



<PAGE>

                                    Exhibit A
                                    ---------
                     Specified Minimum Servicing Standards (continued)



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.



                                       2

<PAGE>




                                    Exhibit A
                                    ---------
                Specified Minimum Servicing Standards (continued)



V.   Mortgagor Loan Accounting (continued)

     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.






                                       3