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Exhibit 99.5
 PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 February 28, 2006
    
    (PHH LOGO)
 
     a)
    
    The activities and performances of the Servicer during the preceding Fiscal year under the
terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
Servicer Guide for the deal listed above, and to the best of my knowledge the Servicer has
fulfilled all of its duties, responsibilities or obligations under
this Agreement throughout
such year, or if there has been default or failure of the Servicer to perform any
such duties, responsibilities or obligations, a description of each default or failure and the
nature and status thereof has been reported to WELLS FARGO BANK NA;b)
    
    The Servicer is currently an approved FNMA or FHLMC Servicer in good standing;c)
    
    The Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds
required
under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing
Agreement and/or Servicer Guide are in full force and effect;d)
    
    All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and
Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged
Property,
have been paid and that such insurance policies are in full force and effect;e)
    
    All real estate taxes, governmental assessments and any other expenses accrued
and due, that
if not paid could result in a lien or encumbrance on any Mortgage Property, have been
paid, or
if any such costs or expenses have been paid with respect to any Mortgaged Property,
the
reason for the non-payment has been reported to WELLS FARGO BANK NA;f)
    
    All Custodial Accounts have been reconciled and are properly funded; andg)
    
    All annual reports of Foreclosure and Abandonment of Mortgaged Property
required per
section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have
been
prepared and filed.
 Certified by/s/ Jack WebbJack WebbAssistant Vice PresidentDate: February 28, 2006




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PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 2/28/06
    
    (PHH LOGO)
 
        PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06




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##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 February 28, 2006
    
    (PHH LOGO)
 
     a)
    
    The activities and performances of the Servicer during the preceding Fiscal year
under the
terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or Servicer Guide for the deal listed above, and to the best of my knowledge the Servicer
has fulfilled all of its duties, responsibilities or obligations under this Agreement
throughout such year, or if there has been default or failure of the Servicer to perform any such
duties, responsibilities or obligations, a description of each default or failure and the
nature and status thereof has been reported to WELLS FARGO BANK NA;b)
    
    The Servicer is currently an approved FNMA or FHLMC Servicer in good standing;c)
    
    The Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required
under the terms of the Servicing Agreement, Trust Agreement, Pooling and
Servicing Agreement and/or Servicer Guide are in full force and effect;d)
    
    All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and
Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged
Property, have been paid and that such insurance policies are in full force and effect;e)
    
    All real estate taxes, governmental assessments and any other expenses accrued
and due, that if not paid could result in a lien or encumbrance on any Mortgage Property,
have been paid, or if any such costs or expenses have been paid with
respect to any Mortgaged Property, the reason for the non-payment has been reported to WELLS FARGO BANK NA;f)
    
    All Custodial Accounts have been reconciled and are property funded; andg)
    
    All annual reports of Foreclosure and Abandonment of
Mortgaged Property required per section 6050H, 6050J and 6050P of the
Internal Revenue Code, respectively, have been prepared and filed.
 Certified by/s/ Jack WebbJack WebbAssistant Vice PresidentDate: February 28, 2006




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##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 2/28/06
    
    (PHH LOGO)
 
        PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06




---



##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 February 28, 2006
    
    (PHH LOGO)
 
     a)
    
    The activities and performances of the Servicer during the preceding Fiscal year
under the
terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or
Servicer Guide for the deal listed above, and to the best of my knowledge the Servicer
has fulfilled all of its duties, responsibilities or obligations under this Agreement
throughout such
year, or if there has been default or failure of the Servicer to perform any such
duties, responsibilities or obligations, a description of each default or failure and the
nature and status
thereof has been reported to WELLS FARGO BANK NA;b)
    
    The Servicer is currently an approved FNMA or FHLMC Servicer in good standing;c)
    
    The Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required
under the terms of the Servicing Agreement, Trust Agreement, Pooling and
Servicing
Agreement and/or Servicer Guide are in full force and effect;d)
    
    All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and
Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged
Property, have been paid and that such insurance policies are in full force and effect;e)
    
    All real estate taxes, governmental assessments and any other expenses accrued
and due, that
if not paid could result in a lien or encumbrance on any Mortgage Property,
have been paid, or
if any such costs or expenses have been paid with respect to any Mortgaged Property,
the
reason for the non-payment has been reported to WELLS FARGO BANK NA;f)
    
    All Custodial Accounts have been reconciled and are properly funded; andg)
    
    All annual reports of Foreclosure and Abandonment of Mortgaged Property required per
section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have
been prepared and filed.
 Certified by/s/ Jack WebbJack WebbAssistant Vice PresidentDate: February 28, 2006




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##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 2/28/06
    
    (PHH LOGO)
 
        PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06




---



##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 February 28, 2006
    
    (PHH LOGO)
 
     a)
    
    The activities and performances of the Servicer during the preceding Fiscal year
under the
terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or
Servicer Guide for the deal listed above, and to the best of my knowledge the Servicer
has
fulfilled all of its duties, responsibilities or obligations under this Agreement
throughout such
year, or if there has been default or failure of the Servicer to perform any such
duties,
responsibilities or obligations, a description of each default or failure and the
nature and status
thereof has been reported to WELLS FARGO BANK NA;b)
    
    The Servicer is currently an approved FNMA or FHLMC Servicer in good standing;c)
    
    The Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds
required
under the terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing
Agreement and/or Servicer Guide are in full force and effect;d)
    
    All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and
Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged
Property,
have been paid and that such insurance policies are in full force and effect;e)
    
    All real estate taxes, governmental assessments and any other expenses accrued
and due, that
if not paid could result in a lien or encumbrance on any Mortgage Property, have been
paid, or
if any such costs or expenses have been paid with respect to any Mortgaged Property,
the
reason for the non-payment has been reported to WELLS FARGO BANK NA;f)
    
    All Custodial Accounts have been reconciled and are properly funded; andg)
    
    All annual reports of Foreclosure and Abandonment of Mortgaged Property required per
section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have
been prepared and filed.
 Certified by/s/ Jack WebbJack WebbAssistant Vice PresidentDate: February 28, 2006




---



##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 2/28/06
    
    (PHH LOGO)
 
        PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06




---



##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 (PHH LOGO)February 28, 2006
 
    
 a)
    
    The activities and performances of the Servicer during the preceding Fiscal year
under the
terms of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
and/or
Servicer Guide for the deal listed above, and to the best of my knowledge the Servicer
has
fulfilled all of its duties, responsibilities or obligations under this Agreement
throughout such
year, or if there has been default or failure of the Servicer to perform any sueh
duties,
responsibilities or obligations, a description of each default or failure and the
nature and status
thereof has been reported to WELLS FARGO BANK NA;b)
    
    The Servicer is currently an approved FNMA or FHLMC Servicer in good standing;c)
    
    The Fidelity Bond, the Errors and Omissions Insurance Policy and any other bonds required
under the terms of the Servicing Agreement, Trust Agreement, Pooling and
Servicing Agreement and/or Servicer Guide we in full force and effect;d)
    
    All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
applicable) and Primary Mortgage Insurance Policy (if applicable), with respect to each Mortgaged
Property, have been paid and that such insurance policies are in full force and effect;e)
    
    All real estate taxes, governmental assessments and any other expenses accrued
and due that
if not paid could result in a lien or encumbrance on any Mortgage Property, have been
paid, or
if any such costs or expenses have been paid with respect to any Mortgaged Property, the
reason for the non-payment has been reported to WELLS FARGO BANK NA;f)
    
    All Custodial Accounts have been reconciled and are properly funded; andg)
    
    All annual reports of Foreclose and Abandonment of Mortgaged Properly
required per
section 6050H, 6050J and 6050P of the Internal Revenue Code, respectively, have
been
prepared and filed.
 Certified by/s/ Jack WebbJack WebbAssistant Vice PresidentDate: February 28, 2006
  PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06




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##### 



PHH Mortgage
    
    4001 Leadenhall Road
Mt. Laurel, NJ 08054
 2/28/06
    
    (PHH LOGO)
 
        PHH Mortgage CorporationBy:
    
    /s/ Martin FosterMartin FosterSenior Vice PresidentDate: 2/28/06