UNITED STATES
                             SECURITIES AND EXCHANGE COMMISSION
                                   WASHINGTON, D.C. 20549



                                          FORM 10-K


  (Mark one)

  /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the fiscal year ended December 31, 2005

      OR



  / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934


      Commission File Number:  333-106982-61


        MASTR Adjustable Rate Mortgages Trust
        Mortgage Pass-Through Certificates
        Series 2005-1

     (Exact name of registrant as specified in its charter)


  New York                                          54-2165492
  (State or other jurisdiction of                   54-2165493
  incorporation or organization)                    54-2165494
                                                    54-6651117
                                                    (I.R.S. Employer
                                                    Identification No.)


   c/o Wells Fargo Bank, N.A.
   9062 Old Annapolis Road
   Columbia, MD                                21045
  (Address of principal executive offices)    (Zip Code)


  Registrant's telephone number, including area code: (410) 884-2000


  Securities registered pursuant to Section 12(b) of the Act:

        NONE.


  Securities registered pursuant to Section 12(g) of the Act:

        NONE.


  Indicate by check mark if the registrant is a well-known seasoned issuer,
  as defined in Rule 405 of the Securities Act.

        Yes  ___     No  X


  Indicate by check mark if the registrant is not required to file reports
  pursuant to Section 13 or Section 15(d) of the Act.

        Yes  ___     No  X


  Indicate by check mark whether the registrant (1) has filed all reports
  required to be filed by Section 13 or 15(d) of the Securities Exchange
  Act of 1934 during the preceding 12 months (or for such shorter period
  that the registrant was required to file such reports), and (2) has been
  subject to such filing requirements for the past 90 days.

        Yes  X       No  ___


  Indicate by check mark if disclosure of delinquent filers pursuant to
  Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained
  herein, and will not be contained, to the best of registrant's knowledge,
  in definitive proxy or information statements incorporated by reference
  in Part III of this Form 10-K or any amendment to this Form 10-K.

        Not applicable.


  Indicate by check mark whether the registrant is a large accelerated filer,
  an accelerated filer, or a non-accelerated filer. See Definition of
  "accelerated filer and large accelerated filer" in Rule 12b-2 of the
  Exchange Act. (Check One):


  Large Accelerated Filer ___  Accelerated Filer ___  Non-Accelerated Filer X


  Indicate by check mark whether the registrant is a shell company (as
  defined in Rule 12b-2 of the Act).

        Yes  ___     No  X


  State the aggregate market value of the voting and non-voting common
  equity held by non-affiliates computed by reference to the price at which
  the common equity was last sold, or the average bid and asked price of
  such common equity, as of the last business day of the registrant's most
  recently completed second fiscal quarter.

        Not applicable.


     Documents Incorporated by Reference

  List hereunder the following documents if incorporated by reference and
  the Part of the Form 10-K (e.g. Part I, Part II, etc.) into which the
  document is incorporated: (1)Any annual report to security holders; (2)
  Any proxy or information statement; and (3)Any prospectus filed pursuant
  to Rule 424(b) or (c) under the Securities Act of 1933. The listed
  documents should be clearly described for identification purposes (e.g.
  annual report to security holders for fiscal year ended December 24, 1980).

        Not applicable.


                                   PART I
  Item 1.  Business.

            Not applicable.


  Item 1A.  Risk Factors.

            Not applicable.


  Item 1B.  Unresolved Staff Comments.

            Not applicable.


  Item 2.  Properties.

            Not applicable.


  Item 3.  Legal Proceedings.

            The registrant knows of no material pending legal proceedings
            involving the trust created under the Pooling and Servicing
            Agreement (the Trust), the Trustee, the Servicer or the
            registrant with respect to the Trust other than routine
            litigation incidental to the duties of the respective parties.


  Item 4.  Submission of Matters to a Vote of Security Holders.

            None.

                                PART II

  Item 5.  Market for Registrant's Common Equity, Related Stockholder
           Matters and Issuer Purchases of Equity Securities.

            No established public trading market for the Certificates exists.

            Records provided to the Trust by the DTC and the Trustee
            indicate that as of December 31, 2005, the total number of holders
            of record for the Series of Certificates is 22.


  Item 6.  Selected Financial Data.

            Not applicable.

  Item 7.  Management's Discussion and Analysis of Financial Condition and
           Results of Operation.


            Not applicable.


  Item 7A. Quantitative and Qualitative Disclosures about Market Risk.

            Not applicable.


  Item 8.  Financial Statements and Supplementary Data.

            Not applicable.


  Item 9.  Changes in and Disagreements with Accountants on Accounting and
           Financial Disclosure.

            None.


  Item 9A. Controls and Procedures.

           Not applicable.


  Item 9B. Other Information.

            None.


                                PART III

  Item 10. Directors and Executive Officers of the Registrant.

            Not applicable.


  Item 11. Executive Compensation.

            Not applicable.

  Item 12. Security Ownership of Certain Beneficial Owners and Management
           and Related Stockholder Matters.

            Not applicable.

  Item 13. Certain Relationships and Related Transactions.

            Not applicable.


  Item 14. Principal Accounting Fees and Services.

            Not applicable.


                                PART IV

  Item 15. Exhibits, Financial Statement Schedules.

   (a) Exhibits

     (31.1) Rule 13a-14(a)/15d-14(a) Certification

     (99.1) Annual Report of Independent Registered Public Accounting Firm
            concerning servicing activities.

      <TABLE>

      
         <c>
      a) Cenlar FSB, as Sub-Servicer for Nexstar Financial Corporation <F1>
      b) Downey Savings and Loan Association, F.A., as Servicer <F1>
      c) EverHome Mortgage Company, Servicer <F1>
      d) GMAC Mortgage Corporation, as Servicer <F1>
      e) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      f) National City Mortgage Co, as Servicer <F1>
      g) PHH Mortgage Corporation, as Servicer f/k/a Cendant Mortgage Corp <F1>
      h) Wachovia Mortgage Corporation, as Servicer <F1>
      i) Washington Mutual Mortgage Securities Corp., as Servicer <F1>
      j) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>

     (99.2) Report of Management as to Compliance with Minimum Servicing
            Standards.

      <TABLE>

      
        <c>
      a) Cenlar FSB, as Sub-Servicer for Nexstar Financial Corporation <F1>
      b) Downey Savings and Loan Association, F.A., as Servicer <F1>
      c) EverHome Mortgage Company, Servicer <F1>
      d) GMAC Mortgage Corporation, as Servicer <F1>
      e) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      f) National City Mortgage Co, as Servicer <F1>
      g) PHH Mortgage Corporation, as Servicer f/k/a Cendant Mortgage Corp <F1>
      h) Wachovia Mortgage Corporation, as Servicer <F1>
      i) Washington Mutual Mortgage Securities Corp., as Servicer <F1>
      j) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>

     (99.3) Annual Statements of Compliance under the Pooling and Servicing
            Agreements.

      <TABLE>

      
         <c>
      a) Downey Savings and Loan Association, F.A., as Servicer <F1>
      b) EverHome Mortgage Company, Servicer <F1>
      c) GMAC Mortgage Corporation, as Servicer <F1>
      d) Greenpoint Mortgage Funding, Inc., as Servicer <F1>
      e) National City Mortgage Co, as Servicer <F1>
      f) Nexstar Financial Corporation, as Servicer <F1>
      g) PHH Mortgage Corporation, as Servicer f/k/a Cendant Mortgage Corp <F1>
      h) Wachovia Mortgage Corporation, as Servicer <F1>
      i) Washington Mutual Mortgage Securities Corp., as Servicer <F1>
      j) Wells Fargo Bank, N.A., as Servicer <F1>

      </TABLE>


     (99.4) Aggregate Statement of Principal and Interest Distributions to
            Certificate Holders.



     (99.5) Reliance Certifications Mandated under the Pooling and Servicing
            Agreement for the year ended December 31, 2005

      <TABLE>

      
         <c>
      a) Downey Savings and Loan Association, F.A., as Servicer <F2>
      b) EverHome Mortgage Company, Servicer <F2>
      c) GMAC Mortgage Corporation, as Servicer <F2>
      d) Greenpoint Mortgage Funding, Inc., as Servicer <F2>
      e) National City Mortgage Co, as Servicer <F2>
      f) Nexstar Financial Corporation, as Servicer <F2>
      g) PHH Mortgage Corporation, as Servicer f/k/a Cendant Mortgage Corp <F2>
      h) Wachovia Mortgage Corporation, as Servicer <F2>
      i) Washington Mutual Mortgage Securities Corp., as Servicer <F2>
      j) Wells Fargo Bank, N.A., as Servicer <F2>

      </TABLE>



   (b) Not applicable.

   (c) Omitted.


  <F1> Filed herewith.

  <F2> Certification has been received.




                                SIGNATURES

  Pursuant to the requirements of Section 13 or 15(d) of the Securities
  Exchange Act of 1934, the registrant has duly caused this report to be
  signed on its behalf by the undersigned, thereunto duly authorized:



    MASTR Adjustable Rate Mortgages Trust
    Mortgage Pass-Through Certificates
    Series 2005-1
    (Registrant)


  Signed: Wells Fargo Bank, N.A. as Master Servicer

  By:     Robert Patelunas, Vice President

  By: /s/ Robert Patelunas, Vice President

  Dated:  March 31, 2006





  Exhibit Index

  Exhibit No.

  Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification

  MASTR Adjustable Rate Mortgages Trust 2005-1

  Mortgage Pass-Through Certificates

  Series 2005-1



  This Certification is being made pursuant to Section 9.12(a) of the
  Pooling and Servicing Agreement (the "Pooling and Servicing Agreement")
  relating to the above-referenced Series, among Mortgage Asset
  Securitization Transactions, Inc., as depositor (the "Depositor"), UBS
  Real Estate Securities Inc., as transferor (the "Transferor"), Wells
  Fargo Bank, N.A., as master servicer (the "Master Servicer"), trust
  administrator and a custodian, U.S. Bank National Association, as a
  custodian, and JPMorgan Chase Bank, N.A., as trustee (the "Trustee").
  Capitalized terms used but not defined herein shall have the meanings
  assigned in the Pooling and Servicing Agreement.

  I, Robert Patelunas, certify that:

  1. I have reviewed this annual report on Form 10-K, and all reports on
     Form 8-K containing distribution date reports filed in respect of
     periods included in the year covered by this annual report, of the
     Trust;

  2. Based on my knowledge, the information in these reports, taken as a
     whole, does not contain any untrue statement of a material fact or
     omit to state a material fact necessary to make the statements made,
     in light of the circumstances under which such statements were made,
     not misleading as of the last day of the period covered by this
     annual report;

  3. Based on my knowledge, the servicing information required to be
     provided to the Trust Administrator by the Master Servicer under the
     Pooling and Servicing Agreement for inclusion in these reports is
     included in these reports;

  4. I am responsible for reviewing the activities performed by the
     Servicers under the Servicing Agreements and based upon my knowledge
     and the annual compliance review required under the Servicing
     Agreements, and except as disclosed in the reports, each Servicer has
     fulfilled its obligations under the related Servicing Agreement; and

  5. The reports disclose all significant deficiencies relating to each
     Servicer's compliance with the minimum servicing standards based upon
     the report provided by an independent public accountant, after
     conducting a review in compliance with the Uniform Single Attestation
     Program for Mortgage Bankers or similar procedure as set forth in the
     related Servicing Agreement, that is included in these reports.

     In giving the certifications above, I have reasonably relied on
     information provided to me by the following unaffiliated parties:
     Downey Savings and Loan Association, F.A., as Servicer, EverHome Mortgage
     Company, Servicer, GMAC Mortgage Corporation, as Servicer, Greenpoint
     Mortgage Funding, Inc., as Servicer, National City Mortgage Co, as
     Servicer, Nexstar Financial Corporation, as Servicer, PHH Mortgage
     Corporation, as Servicer f/k/a Cendant Mortgage Corp, Wachovia Mortgage
     Corporation, as Servicer and Washington Mutual Mortgage Securities Corp.,
     as Servicer.

     Capitalized terms used but not defined herein have the meanings
     assigned in the Pooling and Servicing Agreement among Mortgage Asset
     Securitization Transactions, Inc., as Depositor, UBS Real Estate
     Securities Inc., as the Transferor, Wells Fargo Bank, N.A., as Master
     Servicer, Trust Administrator and Custodian, U.S. Bank National
     Association as Custodian, and JP Morgan Chase Bank, N.A., as Trustee.



     Date: March 31, 2006

     /s/ Robert Patelunas
     Signature

     Vice President
     Title





  EX-99.1 (a)
(logo)KPMG

KPMG LLP
New Jersey Headquarters
150 John F. Kennedy Parkway
Short Hills, NJ 07078


Independent Accountants' Report


The Board of Directors
Cenlar FSB:


We have examined management's assertion, included in the accompanying Management
Assertion, that Cenlar FSB (a wholly-owned subsidiary of Cenlar Capital
Corporation) and subsidiaries (Cenlar) complied with the minimum servicing
standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers as of and for the year ended
December 31, 2005. Management is responsible for Cenlar's compliance with those
minimum servicing standards. Our responsibility is to express an opinion
on management's assertion about Cenlar'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 Cenlar'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 Cenlar's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Cenlar 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/ KPMG LLP


February 17, 2006



KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (b)
(logo)KPMG

KPMG LLP
Suite 2000
355 South Grand Avenue
Los Angeles, CA 90071-1568





Independent Accountants' Report

The Board of Directors
Downey Financial Corp.:


We have examined management's assertion, included in the accompanying
Management's Report on Compliance with Minimum Servicing Standards, that Downey
Financial Corp. and its subsidiaries complied with the minimum servicing
standards set forth in the Mortgage Banker's Association of America's Uniform
Single Attestation Program for Mortgage Bankers as of and for the year ended
December 31, 2005.  Management is responsible for Downey's compliance with those
minimum servicing standards.  Our responsibility is to express an opinion on
management's assertion about Downey'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 Downey'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 Downey's compliance with
the minimum servicing standards.

In our opinion, management's assertion that Downey complied with the
aforementioned minimum servicing standards during the year ended December 31,
2005 is fairly stated, in all material respects.

/s/ KPMG LLP

Los Angeles, California
February 28, 2006





KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (c)
(logo) Deloitte

Deloitte & Touche LLP
Certified Public Accountants
Suite 2801
One Independent Drive
Jacksonville, FL 32202-5034
USA

Tel: +1 904 665 1400
Fax: +1 904 665 1600
www.deloitte.com

INDEPENDENT ACCOUNTANTS' REPORT


To the Board of Directors of
EverHome Mortgage Company and Subsidiaries:

We have examined management's assertion included in the accompanying
Management's Assertion Regarding Compliance With Minimum Servicing Standards
that EverHome Mortgage Company and Subsidiaries (the "Company") has complied
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. 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 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 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 EverHome Mortgage Company and
Subsidiaries complied with the aforementioned minimum servicing standards as of
and for the year ended December 31, 2005 is fairly stated, in all material
respects.

This report is intended solely for the information and use of the Company, the
master servicers to which the Company reports servicing information and their
independent auditors, and investors in loans serviced by the Company and their
independent auditors for their evaluation of the Company's compliance with
applicable servicing agreements, and is not intended to be and should not be
used by anyone other than these specified parties.


/s/ Deloitte & Touche LLP


February 24, 2006



Member of
Deloitte Touche Tohmatsu





  EX-99.1 (d)
(logo) PRICEWATERHOUSECOOPERS


PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000



Report of Independent Accountants




To the Board of Directors and Stockholder
of GMAC Mortgage Corporation:

We have examined management's assertion about GMAC Mortgage Corporation and its
subsidiaries (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 assertion (see Exhibit
I).  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 performed in accordance with attestation 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


March 21, 2006


(page)


Exhibit 1


(logo)GMAC Mortgage



Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards


March 21, 2006



As of and for the year ended December 31, 2005, GMAC Mortgage Corporation and
its subsidiaries (the "Company") have 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 $350,000,000 and $100,000,000
respectively.



/s/ Jim Hillsman
Jim Hillsman
Chief Operating Officer
GMAC Residential Holding Corp

/s/ Dave Bricker
Dave Bricker
Chief Financial Officer
GMAC Residential Holding Corp

/s/ Tony Renzi
Tony Renzi
Executive Vice President,
National Servicing Administration
GMAC Residential Holding Corp





  EX-99.1 (e)
(logo) KPMG

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.





  EX-99.1 (f)
(logo) ERNST&YOUNG

*Ernst & Young LLP
 Suite 1300
 925 Euclid Avenue
 Cleveland, OH 44115

*Phone: (216)861-5000
 www.ey.com



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


March 1, 2006



A Member Practice of Earnst & Young Global


(page)


Exhibit A

Minimum Servicing Standards


Custodial Bank Accounts

Reconciliations shall be prepared on a monthly basis for all custodial bank
accounts and related bank clearing accounts. These reconciliations shall be
mathematically accurate, be prepared within forty-five (30) 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, be reviewed and
approved by someone other than the person who prepared the reconciliation and
document explanations for reconciling items. These reconciling items shall be
resolved within ninety (90) calendar days of their original identification.
Funds of the servicing entity shall be advanced in cases where there is an
overdraft in an investor's or a mortgagor's account. Each custodial account
shall be maintained at a federally insured depository institution in trust for
the applicable investor. 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.

Procedure:

The bank reconciliation processors have no reporting or remitting authority or
responsibility. They are responsible for reporting reconciling items greater
than 90 days to the supervisor. Because of this, the supervisor and manager
review all the clearing accounts, any account with reconciling items greater
than 90 days, and accounts with an overdrawn balance only.

All of the custodial accounts are reconciled each month, with any outstanding
items over 90 days reported to supervision for their review. They are reconciled
within 30 days.

After all accounts are reconciled,
* The bank recon log which records the all accounts and the date the
  reconciliation is completed is given to the Supervisor of the area.
* Any custodial account which has items 90 days outstanding is indicated in red
  on the log and that month's reconciliation is given with the log to the
  Supervisor.

The reconciliation log is given to the supervisor who verifies all accounts are
reconciled within the time frames. Each clearing account is reviewed by the
Supervisor for validity, verifying the reconciliation is complete and accurate,
using any system reports if they are applicable. The Supervisor signs off on the
bottom of each reconciliation and dates the document.

After all accounts are reviewed and any memos are prepared and signed off, all
of the reconciliations and the reconciliation log are then forwarded to the Vice
President of Investor Services for a second review and signoff.

All private pool investor (recon 660) and GSE principal and interest custodial
account reconciliations are reviewed and signed off on by the supervisor. Also,
the manager selects 10 accounts per month at random for review.

Mortgage Payments

Mortgage payments shall be deposited into the custodial bank accounts and
related bank clearing accounts within two (2) business days of receipt. Mortgage
payments made in accordance with


(page)


the mortgagor's loan documents shall be posted to the applicable mortgagor
records within two (2) business days of receipt. Mortgage payments shall be
allocated to principal, interest, insurance, taxes or other escrow items in
accordance with the mortgagor's loan documents. Mortgage payments identified as
loan payoffs shall be allocated in accordance with the mortgagor's loan
documents.

Procedure:

NCM receives mortgage payments from their customers through the following
channels: Lockbox, EFT, Over-the-Counter [OTC are payments made at a National
City Bank branch], In-House payments [payments received from other departments
or directly mailed to NCM], and Electronic Transmissions [payments received
electronically from vendors such as SpeedPay, CheckFree, Metavante, Princeton
eCom, On-Line Resources and Western Union Quick Collect]. All customer payments
made via Lockbox, EFT, Over-the-Counter, In-House and Electronic Transmissions
are ultimately transferred to the NCMC Collection Clearing Account (DDA #
2532529). The Collection Clearing account activity is balanced to Exact
transaction reports on a daily basis by Payment Services. These reports are
retrieved from a bank reporting service. The Collection Clearing account is also
balanced to the bank statement monthly by Investor Services, who has no payment
posting authority.

Each day, balancing processors ensure that the payments received from the
channels noted above are deposited into the related bank clearing accounts and
that the borrower's payment information has been updated to MSP [Fidelity].

All payments received by National City Mortgage are updated within two (2)
business days or less. Below is a description by payment channel.
* Lockbox has an SLA [Service Level Agreement] with NCM that 100% of matched
  payments will be processed same day. The remaining, exception payments will be
  processed 100% the next day.
* EFT payments are processed electronically on their scheduled date.
* OTC payments are transmitted directly to MSP daily by National City Bank.
* Electronic/Bill Payment Vendor payments are transmitted directly to MSP daily
  by the vendor.
* In-House payments are received from: (1) other departments, (2) unprocessed
  work from Lockbox; (3) Customer Service lobby; and (4) payments mailed
  directly to NCMC. In-House payments [exception payments] are keyed directly
  into the MSP system and are applied to the mortgagor records the day received
  by Payment Services. If all payments are not processed same day, they are
  processed the first thing the following morning. Payments are processed
  first-in-first-out.

Each payment processed into MSP [Fidelity] is automatically allocated by the MSP
system to principal, interest, taxes, insurance and service fees during MSP's
nightly processing. National City Mortgage Co. accepts payoffs by check or wire.
Payoff checks and wires received by 3:00 p.m. Eastern Time, Monday through
Friday, will be processed the same day. Payoff checks must be mailed to: 3232
Newmark Dr., Miamisburg, Ohio 45342, Attn: Payoff Dept. All payoffs are date
stamped and posted to the servicing system (Fidelity) the same day received with
the exception of short payoffs. Deposit slips are prepared and batch reconciled
to the deposit. The deposit slips and corresponding checks are hand delivered to
Payment Services for a second reconciliation to prepare for delivery to the
bank. If payoff funds received are inadequate and sufficient funds are not in
the loans escrow/impound account, National City Mortgage Co. will contact the
sender of the funds to collect the shortage.

Disbursements


(page)


Disbursements made via wire transfer on behalf of a mortgagor or investor shall
be made only by authorized personnel. 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. 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. 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. Amounts remitted to investors per the servicer's investor reports
shall agree with cancelled checks, or other form of payment, or custodial bank
statements. Unissued checks shall be safeguarded so as to prevent unauthorized
access.

Procedure:

National City Mortgage Co has proper internal controls to provide reasonable
assurance that investor remittances and tax and insurance payments are properly
authorized at the correct amount. The servicing system tracks due dates to
ensure timely payment. All clearing and custodial accounts are reconciled
monthly to the servicing system. Only authorized personnel are allowed wire
transfer access and check printing access. Internal audits and utilization of
the servicing system prevents duplicate payments.

Each loan is audited to ensure that the appropriate insurance and tax
information has been populated for correct disbursement. Tax and Insurance
information is tracked on an automated "Insurance or Tax Workstation" and
disbursements are generated based on the appropriate expiration or due date.

Investor Accounting and Reporting

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.

Procedure:

For the majority of loans, the investor sends a "turnaround" report which
compares the servicer trial balance records to the investor records. Other
investors notify the Investor Services department of differences.

Mortgagor Loan Accounting

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. Adjustments on adjustable rate mortgage (ARM) loans shall be
computed based on the related mortgage note and any ARM rider. Escrow accounts
shall be analyzed, in accordance with the mortgagor's loan documents, on at
least an annual basis. Interest on escrow accounts shall be paid, or credited,
to mortgagors in accordance with the applicable state laws.

Procedure:

Once a loan boards the Fidelity servicing system, it is reviewed for accuracy.
The Fidelity system tracks each loan until termination. Sufficient funds are
deposited to the escrow account to cover insurance premiums, (including hazard,
flood, PMI and MIP), taxes, and special assessments.


(page)


ARM adjustments are calculated on an automated "ARM workstation" and are based
on the appropriate index as obtained in the Wall Street Journal or other
financial publication as needed. A letter is sent according to RESPA
requirements, advising the borrower of the new rate.

Each escrowed loan is boarded on the Fidelity servicing system with a coupon
month that indicates when the loan is due for escrow analysis. Loans are
reviewed each month based upon the coupon month and the mass escrow analysis is
performed. Quality audit reports are ordered monthly on the entire portfolio to
ensure that the loans are in the appropriate coupon month and that each loan has
been analyzed in the past twelve months or remains within RESPA compliance.

The accrual of interest on escrow is tracked on the Fidelity servicing system on
the loan level. Monthly reports, ordered by the Escrow Analysis Supervisor,
release the funds to be deposited into the escrow accounts. Quarterly, the
Escrow Analysis Supervisor reviews the state regulations for changes. Quality
audit reports are ordered monthly on the loans in states requiring interest on
escrow to ensure that the loans are properly coded for interest on escrow.

Delinquencies

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 repayment plans in cases
where the delinquency is deemed temporary (i.e., illness or unemployment).

Procedure:

National City Mortgage Co.'s collection strategy is to make early contact with
delinquent mortgagors to improve the likelihood that defaults and poor pay
habits can be cured. This strategy employs a series of calls, letters, and
property inspections to gather information regarding the reasons for default,
the mortgagors' ability to pay, their intentions to retain the property and the
condition of the property.

Delinquency trends, by product, are analyzed throughout the month to provide
effective call campaign penetration strategies. Risk Profiler and Early
Indicator scoring are utilized to prioritize calling campaigns. High risk and
special product loans are managed in a Special Servicing Team. This team
consists of counselors who demonstrate strong technical and product knowledge,
excellent listening skills, and possess a thorough understanding of loss
mitigation.

The use of Early Resolution allows counselors to work all stages of delinquency.
Loans thirty or more days past due are worked through Early Resolution starting
the first day of the month. Less than thirty-day delinquent loans are worked in
FIS through the sixteenth of the month. All delinquent loans are processed
through Early Resolution by the seventeenth day of the month.

The scripting and prompting tools within Early Resolution guide the counselor to
obtain the necessary mortgagor information required to evaluate a hierarchy of
solutions. Approximately three hundred management controls and embedded complex
calculations within Early Resolution lead the counselor through the appropriate
qualification/pre-qualification or loss mitigation resolution. The available
Loss Mitigation options are:
* Partial Claim/Claim Advance

* Modification

* Short Sale


(page)


* Deed-in-lieu of foreclosure

Workouts are encouraged if the end result is to improve the likelihood that the
mortgagor can retain his/her home through reduced payments or that losses can be
reduced through an assisted short sale of the property. In the interest of
minimizing investor losses, collection activity continues during the loss
mitigation review process. If the mortgagor's financial situation does not
support a workout or if the mortgagor is unwilling to work with National City
Mortgage Co., the loan is breached and moved timely through the foreclosure
process. Loss Mitigation will continue to be offered to the borrower throughout
the foreclosure process.

Insurance Policies

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.

Procedure:

National City Mortgage Co is required to carry adequate coverage on National
City Mortgage Co's loans in the event that National City Mortgage Co made an
error. The policy is reviewed annually to ensure proper coverage.





  EX-99.1 (g)
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


To PHH Mortgage Corporation:


We have examined PHH Mortgage Corporation's (the "Company") compliance with its
established minimum servicing standards described in the accompanying
Management's Assertion, dated February 28, 2006, as of and for the year ended
December 31, 2005. Management is responsible for compliance with those minimum
servicing standards. Our responsibility is to express an opinion on the
Company's compliance based on our examination.

Our examination was conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants as adopted
by the Public Company Accounting Oversight Board and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with its
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 its minimum servicing
standards.

Our examination disclosed the following instance of material noncompliance with
the reconciliation of custodial bank accounts applicable to the Company during
the year ended December 31, 2005. The Company did not comply with the
requirement to prepare custodial bank account reconciliations within 45 calendar
days after the cutoff date and the requirement to resolve reconciling items
within 90 calendar days of their original identification as specified by their
minimum servicing standards.

In our opinion, except for the material noncompliance described in the preceding
paragraph, the Company complied, in all material respects, with the
aforementioned minimum servicing standards as of and for the year ended December
31, 2005, as set forth in Appendix I.

/s/ Deloitte & Touche LLP

Princeton, NJ

February 28, 2006


[PAGE]

PHH Mortgage

(logo) PHH

3000 Leadenhall Road
Mt. Laurel, NJ 08054



February 28, 2006

As of and for the year ended December 31, 2005, PHH Mortgage Corporation (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, except for as discussed below.

The Company completed all custodial bank account reconciliations within 60 days
of the cutoff date, however did not complete all reconciliations within 45 days
of the cutoff as specified by the minimum servicing standards. As such, the
Company has determined that it was materially non-compliant with the requirement
to prepare custodial bank account reconciliations within 45 calendar days after
the cutoff date.

During the year ended December 31, 2005, the Company determined it was
materially non-compliant with the requirement to resolve reconciling items
resulting from custodial bank account reconciliations within 90 calendar days as
specified by the minimum servicing standards.

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amount of $160 million and $20 million,
respectively.


PHH Mortgage Coroporation

/s/ Terence Edwards
Terence W. Edwards
President and Chief Executive Officer


/s/ Mark Danahy
Mark Danahy
Senior Vice President and Chief Financial Officer


/s/ Martin Foster
Martin L. Foster
Senior Vice President - Loan Servicing


[PAGE]

APPENDIX I

PHH MORTGAGE CORPORATION - 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:
     * be mathematically accurate;
     * be prepared within forty-five (45) calendar days after the cutoff date;
     * be reviewed and approved by someone other than the person who prepared
     the Reconciliation; and
     * 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 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 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 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.

[PAGE]

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.   Unused 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 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.  (A compilation of state laws
     relating to the payment of interest on escrow accounts may be obtained
     through the MBA's FAX ON DEMAND service.  For more information, contact
     MBA.)

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
     (e.g., 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.





  EX-99.1 (h)
(logo) KPMG

KPMG LLP
Suite 2300
Three Wachovia Center
401 South Tryon Street
Charlotte, NC 28202-1911


Independent Accountants' Report


The Board of Directors
Wachovia Mortgage Corporation


We have examined management's assertion, included in the accompanying Management
Assertion, that Wachovia Mortgage Corporation (a wholly-owned subsidiary of
Wachovia Bank, National Association) 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 as of and for
the year ended December 31, 2005. Management is responsible for Wachovia
Mortgage Corporation's compliance with those minimum servicing standards. Our
responsibility is to express an opinion on management's assertion about Wachovia
Mortgage Corporation'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 Wachovia
Mortgage Corporation'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 Wachovia
Mortgage Corporation's compliance with the minimum servicing standards.


In our opinion, management's assertion that Wachovia Mortgage Corporation
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/ KPMG LLP

March 15, 2006


KPMG LLP, a U.S. limited liability partnership, is the U.S.
member firm of KPMG International, a Swiss cooperative.





  EX-99.1 (i)
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholder of
Washington Mutual Mortgage Securities Corp.

We have examined management's assertion that Washington Mutual Mortgage
Securities Corp. (the "Company") has complied as of and for the year ended
December 31, 2005, with its established minimum servicing standards in its role
as master servicer described in the accompanying Management's Assertion dated
March 13, 2006, for the series of certificates included in the accompanying
Appendix I. 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 conducted in accordance with attestation standards
established by the American Institute of Certified Public Accountants, as
adopted by the Public Company Accounting Oversight Board and accordingly,
included examining, on a test basis, evidence about the Company's compliance
with its 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 its minimum servicing
standards.

In our opinion, management's assertion that the Company complied with the
aforementioned minimum servicing standards for the series of certificates
included in the accompanying Appendix I as of and for the year ended December
31, 2005, is fairly stated, in all material respects based on the criteria set
forth in Appendix II.


/s/ Deloitte & Touche LLP
March 13, 2006



(page)


(logo) Washington Mutual


MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2005, Washington Mutual Mortgage
Securities Corp. (the "Company") has complied, in all material respects in its
role as master servicer, with the Company's established minimum servicing
standards as set forth in Appendix II for the series of certificates included in
the accompanying Appendix I.

As of and for this same period, the Company (as subsidiary of Washington Mutual,
Inc.) was covered by a fidelity bond in the amount of $110 million and errors
and omissions policy in the amount of $20 million.


/s/ Thomas G. Lehmann
Thomas Lehmann
President
Washington Mutual Mortgage Securities Corp.


/s/ David Schneider
David Schneider
Executive Vice President
Home Loans

March 13, 2006


1201 3rd Avenue
Seattle, WA 98101


-2-


(page)


WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.

APPENDIX I: SERIES OF CERTIFICATES


POOLING AND SERVICING AGREEMENT, dated 07/01/82, Mortgage Pass-Through
Certificate, Series SMSC 1982-4, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-1, between WMMSC Vida PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-3, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984 ARM P-1-1-4, between WMMSC f/k/a PNCMSC f/k/a
Sears Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1984 ARM I-1-2, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1985-7 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 04/01/85, Residential Mortgage Loans, Series SMSC
1985-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1985-11 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 12/01/85, Mortgage Pass-Through
Certificate, Series SMSC1985-PR3, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Bankers Trust Company of California.

POOLING AND SERVICING AGREEMENT, dated 01/01/86, Mortgage Pass-Through
Certificate, Series SMSC 1986-1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.


-3-


(page)


POOLING AND SERVICING AGREEMENT, dated 02/01/86, Mortgage Pass-Through
Certificate, Series SMSC 1986-PR1, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Bankers Trust Company of California.

PARTICIPATION AGREEMENT, dated 02/01/86, Residential Mortgage Loans, Series SMSC
1986-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/86, Residential Mortgage Loans, Series SMSC
1986- PA3, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/86, Residential Mortgage Loans, Series SMSC
1986-PA4 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 06/01/86, Residential Mortgage Loans, Series SMSC
1986- PA6, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 01/01/87, Residential Mortgage Loans, Series SMSC
1987- PA1, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 02/01/87, Residential Mortgage Loans, Series SMSC
1987-PA2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-B, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/87, Residential Mortgage Loans, Series SMSC
1987- PA7, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR10, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR11, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR13, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-C, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.


-4-


(page)


PARTICIPATION AGREEMENT, dated 01/01/88, Residential Mortgage Loans, Series SMSC
1988-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 10/01/87, Residential Mortgage Loans, Series SMSC
1987-PA9 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 11/01/87, Residential Mortgage Loans, Series SMSC
1987- PAl2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/89, Residential Mortgage Loans, Series SMSC
1989-PAl ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 11/01/87, Residential Mortgage Loans, Series SMSC
1987- PA13 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 02/01/88, Residential Mortgage Loans, Series SMSC
1988-PA2 B ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 12/01/87, Residential Mortgage Loans, Series SMSC
1987- PA14 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA4 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA6 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and JP Morgan Chase.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA7 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 06/01/88, Residential Mortgage Loans, Series SMSC
1988- PA10 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/88, Residential Mortgage Loans, Series SMSC
1988- PAl2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/88, Residential Mortgage Loans, Series SMSC
1988- PA13 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.


-5-


(page)


PARTICIPATION AGREEMENT, dated 06/01/88, Residential Mortgage Loans, Series SMSC
1988- PA14 ARM, between WMMSC f/lc/a PNCMSC f/k/a Sears Mortgage Securities
Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/88, Mortgage Pass-Through
Certificate, Series SMSC 1988-A, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 08/01/88, Residential Mortgage Loans, Series SMSC
1988- PA16 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 09/01/88, Residential Mortgage Loans, Series SMSC
1988- PA17 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 10/01/89, Residential Mortgage Loans, Series SMSC
1989- PA2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/92, Mortgage Pass-Through
Certificate, Series SMSC 1992-2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 09/01/93, Residential Mortgage Loans, Series SMSC
1993- PA1, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

SERVICING AGREEMENT, dated 06/01/97, Residential Mortgage Loans, Series
1997-WH2, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
1997-WH3, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 12/01/97, Residential Mortgage Loans, Series
1997-BWH2, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 02/01/98, Mortgage Pass-Through Certificate, Series
1998-BWH1, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/97, Mortgage Pass-Through
Certificate, Series CMC 1997-2, between WMMSC f/k/a PNCMSC and US Bank National
Association.

SERVICING AGREEMENT, dated 08/01/98, Residential Mortgage Loans, Series
1998-WH8, between WMMSC f/k/a PNCMSC and New York Life.

SERVICING AGREEMENT, dated 07/01/98, Residential Mortgage Loans, Series DLJ
1998-WH7, between WMMSC f/k/a PNCMSC and Soverign Bank.


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SERVICING AGREEMENT, dated 09/01/98, Residential Mortgage Loans, Series
1998-WH12, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 09/01/98, Mortgage Pass-Through
Certificate, Series 1998-3 Impac, between WMMSC f/k/a PNCMSC and Deutsche Bank
National Trust Co.

SERVICING AGREEMENT, dated 11/01/98, Residential Mortgage Loans, Series Telebanc
1998-WH14, between WMMSC f/k/a PNCMSC and E Trade Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series Chase 1998-S7, between WMMSC f/k/a PNCMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 12/01/98, Residential Mortgage Loans, Series Telebanc
1998-WH16, between WMMSC f/k/a PNCMSC and E Trade Bank.

POOLING AND SERVICING AGREEMENT, dated 03/01/99, Mortgage Pass-Through
Certificate, Series FNT 1999-2, between WMMSC f/k/a PNCMSC and Bank One National
Association.

SERVICING AGREEMENT, dated 03/01/99, Residential Mortgage Loans, Series Telebanc
1999-WH3, between WMMSC f/k/a PNCMSC and E Trade Bank.

SERVICING AGREEMENT, dated 03/01/99, Residential Mortgage Loans, Series
1997-BWH1, between WMMSC and Net Bank.

SERVICING AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
1997-BWH1, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series Telebanc III, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series FNT 1999-3, between WMMSC f/k/a PNCMSC and Bank One National
Association.

SERVICING AGREEMENT, dated 06/01/99, Residential Mortgage Loans, Series
1999-WH9, between WMMSC f/k/a PNCMSC and Matrix Capital Bank.

SERVICING AGREEMENT, dated 05/01/99, Residential Mortgage Loans, Series Telebanc
1999- WH3B, between WMMSC f/k/a PNCMSC and E Trade Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH10, between WMMSC f/k/a PNCMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 09/01/99, Residential Mortgage Loans, Series
1999-WH12, between WMMSC and First Union National Bank.

SERVICING AGREEMENT, dated 10/01/99, Residential Mortgage Loans, Series
1999-WH14, between WMMSC f/k/a PNCMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 12/01/99, Residential Mortgage Loans, Series
1999-WH15, between WMMSC f/k/a PNCMSC and JP Morgan Chase.


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POOLING AND SERVICING AGREEMENT, dated 02/01/00, Mortgage Pass-Through
Certificate, Series PNCMT 2000-1, between WMMSC and JP Morgan Chase.

FLOW SERVICING AGREEMENT, dated 05/01/00, Residential Mortgage Loans, Series DLJ
Flow Pool, between WMMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 07/01/00, Residential Mortgage Loans, Series
2000-WH7, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 08/01/00, Mortgage Pass-Through
Certificate, Series FNT 2000-1, between WMMSC f/k/a PNCMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/00, Mortgage Pass-Through
Certificate, Series DLJ ABS 2000-3, between WMMSC and The Chase Manhattan Bank.

SERVICING AGREEMENT, dated 10/01/00, Residential Mortgage Loans, Series
2000-WH12, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 11/01/00, Residential Mortgage Loans, Series
2000-WH14, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 10/01/00, Residential Mortgage Loans, Series
2000-WH13, between WMMSC f/k/a PNCMSC and Virtual Bank.

SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, Series
2000-WH15, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-1, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 02/01/01, Residential Mortgage Loans, Series
2001-RP1, between WMMSC and State Street Bank.

FLOW SERVICING AGREEMENT, dated 04/01/01, Residential Mortgage Loans, Series
2001-FL1, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series SASCO 2001-8A, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 01/01/01, Residential Mortgage Loans, Series
2001-WH3, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 02/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-9, between WMMSC and JP Morgan Chase.


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POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-11, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR14, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/01, Mortgage Pass-Through
Certificate, Series FNT 2001-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/01, Mortgage Pass-Through
Certificate, Series WAMU 2001-9, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/01, Mortgage Pass-Through
Certificate, Series FNT 2001-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/01, Mortgage Pass-Through
Certificate, Series Chase 2001-S5, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 10/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-26, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series WAMU 2001-AR3, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series WAMMS 2001-MS14, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-28, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series Chase 2001-S7, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series WAMMS 2001-MS15, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-33, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series Thornburg 2001-2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS1, between WMMSC and State Street Bank & Trust.


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POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR2, between WMMSC and Chase Home Mortgage.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-7, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 03/01/02, Residential Mortgage Loans, Series
2002-WH3, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-9, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR1, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 03/01/02, Residential Mortgage Loans, Series
2002-WH4, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH5, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS3, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR7, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH6, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH7, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-10, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series Chase 2002-S6, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 05/01/02, Residential Mortgage Loans, Series
2002-WH8, between WMMSC and State Street Bank.


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POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR13, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS4, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-18, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S3, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 06/01/02, Residential Mortgage Loans, Series CSFB
2002-WH9, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR21, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-22, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS5, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S5, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR8, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR9, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 08/01/02, Residential Mortgage Loans, Series
2002-WH11, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS6, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR25, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-24, between WMMSC and JP Morgan Chase.


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POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR10, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR11, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 10/01/02, Residential Mortgage Loans, Series WMMSC
2002- WH13, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-26, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR12, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR27, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S6, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR13, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR14, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS7, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-29, between WMMSC and Chase Home Mortgage.

SERVICING AGREEMENT, dated 11/01/02, Residential Mortgage Loans, Series
2002-WH15, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR17, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR15, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR16, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS9, between WMMSC and State Street Bank & Trust.


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POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS8, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR31, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-30, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR3, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR18, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series UBS MALT 2002-3, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series AMAC 2002-9, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH19, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS11, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series SASCO 2002-26, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS12, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-34, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR33, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS10, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S8, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH17, between WMMSC f/k/a PNCMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR19, between WMMSC and Deutsche Bank National
Trust Co.


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(page)


SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series
2003-WH2, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-1, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR2, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR3, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR9, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-8, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series Thornburg 2003-2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR12, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-10, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-3, between WMMSC and Bank One, National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR6, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-11, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR15, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR28, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-17, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR18, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR7, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S7, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR8, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR20, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR9, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR4, between WMMSC and US Bank National
Association.

SERVICING AGREEMENT, dated 08/01/03, Residential Mortgage Loans, Series CSFB
2003-WH16, between WMMSC and CSFB.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR22, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-21, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-6, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-23, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR24, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S9, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S10, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR10, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series BAFC 2003-3, between WMMSC and Wells Fargo Bank, NA.

SERVICING AGREEMENT, dated 09/01/03, Residential Mortgage Loans, Series
2003-WH18, between WMMSC and Bank of New York.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR11, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S11, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR26, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-25, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-5, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 12/01/03, Residential Mortgage Loans, Series
2003-WH20, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS9, between WMMSC and US Bank National
Association.


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POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S13, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR28, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-27, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-29, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR30, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR12, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-1, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 01/01/04, Residential Mortgage Loans, Series
2004-WH2, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 01/01/04, Residential Mortgage Loans, Series
2004-WHl, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-1, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-2, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH5, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH6, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S1, between WMMSC and Citibank, N.A.


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SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH4, between WMMSC and Merrill Lynch.

SERVICING AGREEMENT, dated 03/01/04, Residential Mortgage Loans, Series
2004-WH7, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-3, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH9, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-3, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-4, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH10, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR3, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH13, between WMMSC and EMC Mortgage Corp.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB1, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH16, between WMMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-5, between WMMSC and Wachovia Bank, NA.


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POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-3, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series GSR 2004-6F, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S2, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR6, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH17, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH18, between WMMSC and Bay View Financial Training Group.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB2, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series CBASS 2004-RP1, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-6, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-5, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-6, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR8, between WMMSC and Deutsche Bank National
Trust Co.


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POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S3, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR7, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH26, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-6AR, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-4, between WMMSC and US Bank National Association.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH29, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR9, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR10, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH23, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 08/01/04, Residential Mortgage Loans, Series
2004-WH21, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB3, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-5, between WMMSC and US Bank National Association.


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POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-7AR, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-4, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-8, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 08/01/04, Residential Mortgage Loans, Series
2004-WH28, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-9, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR11, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH30, between WMMSC and CSFB f/k/a DLJMC.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH31, between WMMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-6, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-3, between WMMSC and Wells Fargo Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-10, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH34, between WMMSC and Washington Mutual Bank, NA.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH35, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH27, between WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH33, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH36, between WMMSC and Washington Mutual Bank, NA.


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(page)


POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB4, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-7, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-11, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-12, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR12, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH32, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH37, between WMMSC and Hudson City Savings Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-4, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH39, between WMMSC and Greenpoint Bank.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH38, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-8, between WMMSC and US Bank National Association.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH41, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR13, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH42, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series CSFB ARMT 2004-5, between WMMSC and HSBC Bank-USA, National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-D, between WMMSC and Wachovia Bank, NA.


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SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH44, between WMMSC and Washington Mutual Bank, NA.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH45, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-13, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR14, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 02/01/98, Residential Mortgage Loans, Series
1997-WH7, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 10/01/97, Residential Mortgage Loans, Series
1997-WH7, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/96, Residential Mortgage Loans, Series
MLCC/1996-PA4, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series PNCBK 2001-MS1, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH20, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series PNC/ABN
AMRO, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH8, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 02/01/99, Residential Mortgage Loans, Series
1999-WH1, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 04/01/99, Residential Mortgage Loans, Series
1999-WH4A, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 04/01/99, Residential Mortgage Loans, Series
1999-WH4, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 05/01/99, Residential Mortgage Loans, Series
1999-WH4B, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4F, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4E, between WMMSC f/k/a PNCMSC and Soverign Bank.


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SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4D, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 06/01/99, Residential Mortgage Loans, Series
1999-WH4C, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4H, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 09/01/99, Residential Mortgage Loans, Series
1999-WH4L, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 08/01/99, Residential Mortgage Loans, Series
1999-WH4K, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 08/01/99, Residential Mortgage Loans, Series
1999-WH4J, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 12/01/97, Mortgage Pass-Through
Certificate, Series 1997 BWH-2, between WMMSC f/k/a PNCMSC and Chase Manhattan
Mortgage Corp.

SERVICING AGREEMENT, dated 09/01/97, Residential Mortgage Loans, Series
1997-WH4, between WMMSC f/k/a PNCMSC and New York Life.

POOLING AND SERVICING AGREEMENT, dated 02/01/98, Mortgage Pass-Through
Certificate, Series 1998 BWH-1, between WMMSC f/k/a PNCMSC and Chase Manhattan
Mortgage Corp.

SERVICING AGREEMENT, dated 09/01/98, Residential Mortgage Loans, Series
1998-WH11, between WMMSC f/k/a PNCMSC and Deutsche Bank National Trust Co.

SERVICING AGREEMENT, dated 04/01/98, Residential Mortgage Loans, Series
1998-WH4, between WMMSC f/k/a PNCMSC and New York Life.

SERVICING AGREEMENT, dated 05/01/98, Residential Mortgage Loans, Series
1998-WH6, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 08/01/98, Residential Mortgage Loans, Series
1998-WH9, between WMMSC f/k/a PNCMSC and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/99, Mortgage Pass-Through
Certificate, Series 1999-A2 Indy Mac, between WMMSC f/k/a PNCMSC and Bank of New
York.

SERVICING AGREEMENT, dated 01/01/00, Residential Mortgage Loans, Series
2000-WH1, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 01/01/00, Residential Mortgage Loans, Series
2000-WH2, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series
2003-WH1, between WMMSC and Treasury Bank.


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SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series
2003-WH12, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series
2003-WH14, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 12/01/03, Residential Mortgage Loans, Series
2003-WH19, between WMMSC and Bank of New York.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH11, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH14, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 06/01/04, Residential Mortgage Loans, Series
2004-WH19, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH20, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH24, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH40, between WMMSC and Bay View Financial Trading Group.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH43, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-11, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-12, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-13, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-3, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-4, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series AMAC 2003-6, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 02/01/97, Residential Mortgage Loans, Series Bank
Atlantic 1998-WH1, between WMMSC f/k/a PNCMSC and Bank Atlantic.


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(page)


SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series Bank
Atlantic 2004-WH25, between WMMSC and Bank Atlantic.

FLOW SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, Series
Bank of America Flow Agreement, between WMMSC and Bank of America, NA.

FLOW SERVICING AGREEMENT, dated 03/01/03, Residential Mortgage Loans, Series
Bank of America Flow Agreement, between WMMSC and Bank of America.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series Bank of
New York 2004-WH12, between WMMSC and Bank of New York.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series Bank of
New York 2004-WH3, between WMMSC and Bank of New York.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-C, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-D, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-WH5, between WMMSC and Bay View Financial
Trading Group.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series Bay View 2004-C, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series Bay View 2004-D, between WMMSC and Wachovia Bank, NA.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 11/01/02, Residential
Mortgage Loans, Series Bay view Call Pool, between WMMSC f/k/a PNCMSC and Bay
View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead I, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead II, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead III, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/97, Mortgage Pass-Through
Certificate, Series CMC 1997-H, between WMMSC f/k/a PNCMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-2, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, Series CSFB
2003-WH11, between WMMSC and CSFB.


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SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series CSFB
2003-WH13, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 07/01/03, Residential Mortgage Loans, Series CSFB
2003-WH15, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 09/01/03, Residential Mortgage Loans, Series CSFB
2003-WH17, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 02/01/03, Residential Mortgage Loans, Series CSFB
2003-WH7, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 03/01/03, Residential Mortgage Loans, Series CSFB
2003-WH8, between WMMSC and CSFB.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/00, Mortgage Pass-Through
Certificate, Series DLJABS 2000-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/99, Mortgage Pass-Through
Certificate, Series Indy Mac Rast A3, between WMMSC f/k/a PNCMSC and Bank of New
York.

POOLING AND SERVICING AGREEMENT, dated 07/01/01, Mortgage Pass-Through
Certificate, Series MLMI 2001-1 WM1, between WMMSC and Wells Fargo Bank
Minnesota, NA.

SERVICING AGREEMENT, dated 09/01/00, Residential Mortgage Loans, Series New York
Life 2000-WH9, between WMMSC f/k/a PNCMSC and First Union National Bank.

SERVICING AGREEMENT, dated 01/01/02, Residential Mortgage Loans, Series New York
Life 2002-WH1, between WMMSC f/k/a PNCMSC and First Union National Bank.

PARTICIPATION AGREEMENT, dated 11/01/93, Residential Mortgage Loans, Series
PNCMSC 1993-PA2A, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 11/01/93, Residential Mortgage Loans, Series
PNCMSC 1993-PA2B, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 07/01/95, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and Chase Bank of Texas, NA.

PARTICIPATION AGREEMENT, dated 11/01/94, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.


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PARTICIPATION AGREEMENT, dated 06/01/98, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/95, Mortgage Pass-Through
Certificate, Series PNCMSC 1995-PRI, between WMMSC f/k/a PNCMSC and US Bank
National Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/96, Mortgage Pass-Through
Certificate, Series PNCMSC 1996-1, between WMMSC f/k/a PNCMSC and Bank United
Financial Corp.

PARTICIPATION AGREEMENT, dated 01/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA1, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 10/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA10, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA4, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

PARTICIPATION AGREEMENT, dated 03/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA6, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 06/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA8, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

PARTICIPATION AGREEMENT, dated 10/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA9, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/99, Residential Mortgage Loans, Series
PNCMSC 1996-PAA, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/97, Mortgage Pass-Through
Certificate, Series PNCMSC 1997-MS1, between WMMSC f/k/a PNCMSC and Crestar
Mortgage Corp.

PARTICIPATION AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
PNCMSC 1997-PA2, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 06/01/97, Mortgage Pass-Through
Certificate, Series PNCMSC 1997-PR1, between WMMSC f/k/a PNCMSC and US Bank
National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-10, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-12, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-8, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-10, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.


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(page)


POOLING AND SERVICING AGREEMENT, dated 10/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-11, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-12, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 02/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-2, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 03/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-3, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-4, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 05/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-5, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-8, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-9, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-A, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-FSB-1, between WMMSC f/k/a PNCMSC and State
Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series SBMSI 2002-HYB1, between WMMSC and US Bank National
Association as Trustee and Citibank, N.A. as Trust Administrator.

SERVICING AGREEMENT, dated 11/01/98, Residential Mortgage Loans, Series
Sovereign 1998-WH13, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series Telebanc I, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series Telebanc II, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/01, Mortgage Pass-Through
Certificate, Series Thornburg 2001-1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series TMA 1998-1, between WMMSC f/k/a PNCMSC and Deutsche Bank
National Trust Co.


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(page)


FLOW SERVICING AGREEMENT, dated 10/01/02, Residential Mortgage Loans, UBS Flow
Agreement, between WMMSC and UBS Real Estate Securities, Inc.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series UBS MASTER 2002-6, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series UBS MASTER 2002-8, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-10, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-11, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-3, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-6, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-7, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-8, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-9, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-1, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-10, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-11, between WMMSC and US Bank National
Association.


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(page)


POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-3, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-4, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-5, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-6, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-8, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-9, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-R4, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR6, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, WAMU 2003-WH10,
between WMMSC and Washington Mutual Bank, FA.

MASTER SERVICING AGREEMENT, dated 07/23/03, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Federal Home Loan Bank of
Atlanta (FHLB).

SERVICING AGREEMENT, dated 02/01/01, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Federal Home Loan Bank of
Seattle (FHLB).

SERVICING AGREEMENT, dated 04/01/01, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Washington Mutual Bank, FA.

SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. f/k/a PNC Mortgage Securities Corp.
and Federal Home Loan Bank Cincinnati (FHLB).


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SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. f/k/a PNC Mortgage Securities Corp.
and Federal Home Loan Bank Indianapolis (FHLB).

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR1, among WMMSC, Deutsche Bank National Trust
Co., et al.

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR2, among WMMSC, Deutsche Bank National Trust
Co., et al.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 01/01/05, Residential
Mortgage Loans, Series 2005-WH1, between WMMSC and DB Structured Products, Inc.

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-1, among Credit Suisse First Boston Mortgage
Securities Corp.("CSFBMSC"), WMMSC, US Bank National Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS WARBURG
REAL ESTATE SECURITIES INC ("UBS") AND ASSIGNED PURSUANT TO AN ASSIGNMENT,
ASSUMPTION AND RECOGNITION AGREEMENT DATED AS OF 1/28/2005 AMONG UBS, WMMSC AND
MORTGAGE ASSET SECURITZATION TRANSACTIONS, INC. ("MAST") WITH RESPECT TO THAT
CERTAIN POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series UBS MALT 2005-1, among MAST, US Bank National Association,
et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 1/28/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through Certificate,
Series UBS MARM 2005-1, among MAST, US Bank National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 01/28/05, Mortgage Pass-Through
Certificate, Series BAFC 2005-1, among Bank of America Funding Corporation,
WMMSC, Wachovia Bank, NA, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated
01/31/05, Residential Mortgage Loans, Series 2005-WH2, between UBS Real Estate
Securities, Inc., WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR3, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-2, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 2/25/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass- Through Certificate,
Series UBS MALT 2005-2, among MAST, JP Morgan Chase, et al.


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(page)


SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 02/01/05, Residential Mortgage Loans, Series CSFB FLOW, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 9/1/2004, WITH RESPECT TO THE MEMORANDUM OF SALE,
dated 02/01/05, Residential Mortgage Loans, Series CSFB FLOW-20, between WMMSC
and DLJ Mortgage Capital, Inc.

POOLING AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR4, among WMMSC, Deutsche Bank National Trust
Co., et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 3/30/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through Certificate,
Series UBS MALT 2005-3, among MAST, US Bank National Association, et al.

SERVICING AGREEMENT DATED 1/01/2005, BETWEEN DB STRUCTURED PRODUCTS, INC
("DB") AND WMMSC AS ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT DATED 3/30/2005 AMONG DB, WMMSC AND ACE SECURITIES
CORP., WITH RESPECT TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated
03/01/05, Asset Backed Pass-Through Certificate, Series ACE 2005-SN1, among Ace
Securities Corp, HSBC Bank-USA, National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-3, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 3/30/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through Certificate,
Series UBS MSSTR 2005-1, among MAST, US Bank National Association, et al.

SERVICING AGREEMENT DATED 4/1/2004, BETWEEN WMMSC AND BAYVIEW FINANCIAL, L.P.
("BAYVIEW") SUCCESSOR BY ASSIGNMENT TO EMC MORTGAGE CORPORATION AND MORTGAGE
LOAN PURCHASE AND SERVICING AGREEMENT DATED 12/1/2004 BETWEEN WMMSC AND BAYVIEW,
BOTH ASSIGNED PURSUANT TO A RECONSTITUTED SERVICING AGREEMENT DATED 4/8/2005
AMONG BAYVIEW FINANCIAL, L.P., WMMSC AND WACHOVIA BANK, NATIONAL ASSOCIATION AS
TRUSTEE TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated 03/01/05,
Mortgage Pass-Through Certificate, Series BAYVIEW 2005-B, among Bayview
Financial Securities Company, LLC, Wachovia Bank, NA, et al.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT, dated 04/19/05, Residential Mortgage Loans, Series 2005-WH6, among
Bank of America, National Association, WMMSC and Lehmann Brothers Bank, FSB.


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(page)


SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT, dated 04/19/05, Residential Mortgage Loans, Series 2005-WH12, among
Bank of America, National Association, WMMSC and Lehmann Brothers Bank, FSB.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 04/01/05, Residential
Mortgage Loans, Series 2005-WH8, between WMMSC and Bayview Financial, LP.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR5, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR6, among WMMSC, Deutsche Bank National Trust
Co., et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMMS 2005-RA1, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-4, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/02/05, Residential Mortgage Loans, Series
2005-WH7, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/02/05, Residential Mortgage Loans, Series
2005-WH13, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/18/05, Residential Mortgage Loans, Series
2005-WH16, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEEMENT DATED 4/1/2004 WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 05/25/05, Residential Mortgage Loans, Series 2005-WH5, between WMMSC
and PNC Bank, NA.


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(page)


SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 05/25/05, Residential Mortgage Loans, Series CSFB CALLED FLOW,
between WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/27/05, Residential Mortgage Loans, Series
2005-WH9, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/27/05, Residential Mortgage Loans, Series
2005-WH14, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENT, dated 05/01/05, Residential Mortgage Loans, Series
2005-WH15, between WMMSC and JP Morgan Mortgage Acquisition Corp.

POOLING AND SERVICING AGREEMENT, dated 05/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-5, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 06/28/05, Residential Mortgage Loans, Series 2005-WH18, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 1/01/2005, BETWEEN DB STRUCTURED PRODUCTS, INC
("DB") AND WMMSC AS ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT DATED 6/29/2005 AMONG DB, WMMSC AND ACE SECURITIES
CORP., WITH RESPECT TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated
06/01/05, Asset Backed Pass-Through Certificate, Series ACE 2005-SD2, among Ace
Securities Corp, HSBC Bank-USA, National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 06/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-6, among CSFBMSC, WMMSC, US Bank National
Association, et al.

MORTGAGE LOAN PURCHASE AND INTERIM SERVICING AGREEMENT DATED 11/1/2004, WITH
RESPECT TO THAT CERTAIN ASSIGNMENT AND CONVEYANCE AGREEMENT, dated 07/28/05,
Residential Mortgage Loans, Series 2005-WH19, between WMMSC and DLJ Mortgage
Capital, Inc.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 07/28/05, Residential Mortgage Loans, Series 2005-WH2O, between
WMMSC and DLJ Mortgage Capital, Inc.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 08/01/05, Residential
Mortgage Loans, Series 2005-WH25, between WMMSC and Bayview Financial, LP.


-36-


(page)


SERVICING AGREEMENT, dated 08/01/05, Residential Mortgage Loans, Series
2005-WH24, between WMMSC and Merrill Lynch Bank & Trust.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT DATED 4/1/2005, BETWEEN WMMSC AND
BAYVIEW FINANCIAL, L.P., AND ASSIGNED PURSUANT TO A RECONSTITUTED SERVICING
AGREEEMENT DATED 8/31/2005 AMONG BAYVIEW FINANCIAL, L.P., WMMSC AND WACHOVIA
BANK, NATIONAL ASSOCIATION AS TRUSTEE WITH RESPECT TO THAT CERTAIN POOLING AND
SERVICING AGREEMENT, dated 08/01/05, Mortgage Pass-Through Certificate, Series
BAYVIEW 2005-C, among Bayview Financial Securities Company, LLC, Wachovia Bank,
NA, et al.

POOLING AND SERVICING AGREEMENT, dated 08/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-8, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEEMENT DATED 4/1/2004 WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 09/23/05, Residential Mortgage Loans, Series 2005-WH26, between
WMMSC and PNC Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-9, among CSFBMSC, WMMSC, US Bank National
Association, et al.

POOLING AND SERVICING AGREEMENT, dated 10/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-10, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 11/28/05, Residential Mortgage Loans, Series 2005-WH32, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 11/28/05, Residential Mortgage Loans, Series 2005-WH33, between
WMMSC and DLJ Mortgage Capital, Inc.

POOLING AND SERVICING AGREEMENT, dated 11/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-11, among CSFBMSC, WMMSC, US Bank National
Association, et al.

POOLING AND SERVICING AGREEMENT, dated 12/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-12, among CSFBMSC, WMMSC, US Bank National
Association, et al.

ADMINISTRATIVE AGENT AGREEMENT, dated 02/01/05, between WMMSC and Washington
Mutual Bank with respect to WMALT 2005-1, WMALT 2005-2, WMALT 2005-3, WMALT
2005-4, WMALT 2005-5, WMALT 2005-6, WMALT 2005-7, WMALT 2005-8, WMALT 2005-9,
WMALT 2005-10, WMALT 2005-ARI, WMALT 2005-11, WAMU 2005-AR7, WAMU 2005-AR8, WAMU
2005-AR9, WAMU 2005-AR10, WAMU 2005-AR11, WAMU 2005-AR12, WAMU 2005-AR13, WAMU
2005-AR14, WAMU 2005-AR15, WAMU 2005-AR16, WAMU 2005-AR17, WAMU 2005- AR18, and
WAMU 2005-AR19.

ADMINISTRATIVE AGENT AGREEMENT, dated 01/01/05, between WMMSC and Long Beach
Mortgage Company with respect to LBMLT 2005-2, LBMLT 2005-3, LBMLT 2005-WL1,
LBMLT 2005-WL2, LBMLT 2005-WL3 and WLS LB_0515.


-37-


(page)


WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.

APPENDIX II: MINIMUM SERVICING STANDARDS

I. RECONCILIATIONS

 A. Reconciliations shall be prepared on a monthly basis for all clearing
    accounts. These reconciliations shall:

    1) Be mathematically accurate

    2) Be prepared within forty-five (45) calendar days after each clearing
       account's statement cutoff date

    3) Be reviewed and approved by someone other than the person who prepared
       the reconciliation, and document explanations for reconciling items

 B. Reconciling items shall be resolved within ninety (90) calendar days of
    their original identification.

II. SUBSERVICER REMITTANCES

 A. Remittances for mortgage payments and payoffs received from subservicers
    shall be deposited into the applicable clearing account within one business
    day of receipt.

 B. Remittances from subservicers shall be reconciled to applicable loan records
    maintained by Washington Mutual Mortgage Securities Corp. ("WMMSC") during
    the appropriate accounting cycle.

 C. Reconciliations shall be performed monthly for each subservicer remittance.
    These reconciliations shall:

    1) Be mathematically accurate.

    2) Be prepared within thirty (30) calendar days after the cutoff date.

III. DISBURSEMENTS

 A. Disbursements to trustees, paying agents, and investors shall be made in
    accordance with the applicable pooling and servicing agreements and/or the
    prospectus indicating how cash flows are to be allocated.

 B. Disbursements from the clearing accounts for amounts remitted to trustees,
    paying agents, and investors, per our monthly reports to those entities,
    shall agree with the bank statements for the clearing accounts.

 C. Only permitted withdrawals shall be made from the clearing accounts.

 D. Disbursements to trustees, paying agents, and investors from clearing
    accounts, made via wire transfer, shall be made only by authorized
    personnel.


-38-


(page)


IV. INVESTOR ACCOUNTING AND REPORTING

Statements to the trustees, paying agents, and investors shall be provided with
each monthly distribution, in accordance with applicable pooling and servicing
agreements, detailing the applicable distribution activity and effect on the
unpaid principal balance of the mortgage loans.

V. MORTGAGOR LOAN ACCOUNTING

Loan records maintained by WMMSC shall agree with, or reconcile within material
amounts to, the mortgage loan records maintained by the subservicer with respect
to unpaid principal balance on a monthly basis.

VI. DELINQUENCIES

Reports from subservicers identifying delinquent loans shall be received and
reviewed monthly. The number and aggregate principal balances of delinquent
mortgage loans contained in these reports shall be included in our monthly
statements to the trustees, paying agents, and investors.

VII. INSURANCE POLICIES

A fidelity bond and an errors and omissions policy shall be in effect on the
servicing entity throughout the reporting period in the amount of coverage
represented in management's assertion.


-39-





  EX-99.1 (j)
(logo) KPMG

KPMG LLP
2500 Ruan Center
666 Grand Avenue
Des Moines, IA 50309


Independent Accountants' Report


The Board of Directors
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.:


We have examined management's assertion, included in the accompanying Assertion
of Management of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.
(the Company), that the Company 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 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 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 the Company'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 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/ 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





  EX-99.2 (a)
(logo) CENLAR
CENTRAL LOAN ADMINISTRATION & REPORTING


February 17, 2006


Management Assertion


As of and for the year ended December 31, 2005, Cenlar FSB 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. As of and for this same period, Cenlar FSB had in effect a fidelity
bond in the amount of $55,000,000 and errors and omissions policy in the amount
of $35,000,000.


/s/ Michael W. Young
Michael W. Young
Chief Executive Officer

/s/ Gregory S. Tornquist
Gregory S. Tornquist
Chief Financial Officer

/s/ Steve W. Gozdan
Steve W. Gozdan
Chief Operating Officer


PO Box 77400 * Ewing, NJ 08628 * 609-883-3900





  EX-99.2 (b)
DOWNEY FINANCIAL CORP.




Manaqement's Report on Compliance with
Minimum Servicinq Standards


As of and for the year ended December 31, 2005, Downey Financial Corp. and its
subsidiaries ("Downey") 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.  As of and for this
same period, Downey had in effect a fidelity bond in the amount of $15 million
limit per loss and $30 million aggregate limit and an errors and omissions
policy in the amount of $26 million.



/s/ Daniel D. Rosenthal
Daniel D. Rosenthal
President and
Chief Executive Officer

/s/ Thomas E. Prince
Thomas E. Prince
Chief Operating Officer and
Chief Financial Officer



February 28, 2006





Downey Financial Corp.

3501 Jamboree Road * P.O. Box 6000 * Newport Beach, California 92658-6000 *
(949) 509-4500





  EX-99.2 (c)
(logo) EverHome
MORTGAGE COMPANY



Management's Assertion Regarding Compliance With Minimum Servicing Standards

As of and for the year ended December 31, 2005, EverHome Mortgage Company and
Subsidiaries (the "Company") has complied, in all material respects, with the
Company's established minimum servicing standards for single family residential
mortgages as set forth in Appendix I (the "Standards"). The Standards are based
on the Mortgage Bankers Association of America's Uniform Single Attestation
Program for Mortgage Bankers.

As of and for this same period, the Company had in effect a fidelity bond in
the amount of $20 million and errors and omissions policy in the amount of $20
million.


/s/ Gary A. Meeks
Gary A.Meeks
Chairman and Chief Executive Officer

2/24/06
Date

/s/ Michael C. Koster
Michael C. Koster
President and Chief Operation Officer

2/24/06
Date

/s/ W. Blake Wilson
W. Blake Wilson
Executive Vice President and Chief Financial Officer

2/24/06
Date



8100 Nations Way * Jacksonville, FL 32256


(PAGE)


APPENDIX I

MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE BANKERS
ASSOCIATION OF AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR
MORTGAGE BANKERS

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:

* Be mathematically accurate

* Be prepared within forty-five (45) calendar days after the cutoff date

* Be reviewed and approved by someone other than the person who prepared the
  reconciliation

* 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 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 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 business days to the mortgagor's or investor's records
   maintained by the servicing entity.

-2-

(PAGE)


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. Unused 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 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
   (e.g., 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-





  EX-99.2 (d)
Exhibit 1


(logo)GMAC Mortgage



Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards


March 21, 2006



As of and for the year ended December 31, 2005, GMAC Mortgage Corporation and
its subsidiaries (the "Company") have 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 $350,000,000 and $100,000,000
respectively.



/s/ Jim Hillsman
Jim Hillsman
Chief Operating Officer
GMAC Residential Holding Corp

/s/ Dave Bricker
Dave Bricker
Chief Financial Officer
GMAC Residential Holding Corp

/s/ Tony Renzi
Tony Renzi
Executive Vice President,
National Servicing Administration
GMAC Residential Holding Corp





  EX-99.2 (e)
100 Wood Hollow Drive
Novato, Ca 94945
(800) 462-2700


(logo) GreenPoint 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 Americas Uniform Single
Attestation Program for Mortgage Bankers, except as follows:

  * 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
Steve Abreu
Chief Executive Officer

/s/ Dave Petrini
Dave Petrini
Chief Financial Officer

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





  EX-99.2 (f)
(logo) National City
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



No one Cares More!


(PAGE)


Exhibit A

Minimum Servicing Standards


Custodial Bank Accounts

Reconciliations shall be prepared on a monthly basis for all custodial bank
accounts and related bank clearing accounts. These reconciliations shall be
mathematically accurate, be prepared within forty-five (30) 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, be reviewed and
approved by someone other than the person who prepared the reconciliation and
document explanations for reconciling items. These reconciling items shall be
resolved within ninety (90) calendar days of their original identification.
Funds of the servicing entity shall be advanced in cases where there is an
overdraft in an investor's or a mortgagor's account. Each custodial account
shall be maintained at a federally insured depository institution in trust for
the applicable investor. 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.

Procedure:

The bank reconciliation processors have no reporting or remitting authority or
responsibility. They are responsible for reporting reconciling items greater
than 90 days to the supervisor. Because of this, the supervisor and manager
review all the clearing accounts, any account with reconciling items greater
than 90 days, and accounts with an overdrawn balance only.

All of the custodial accounts are reconciled each month, with any outstanding
items over 90 days reported to supervision for their review. They are reconciled
within 30 days.

After all accounts are reconciled,
* The bank recon log which records the all accounts and the date the
  reconciliation is completed is given to the Supervisor of the area.
* Any custodial account which has items 90 days outstanding is indicated in red
  on the log and that month's reconciliation is given with the log to the
  Supervisor.

The reconciliation log is given to the supervisor who verifies all accounts are
reconciled within the time frames. Each clearing account is reviewed by the
Supervisor for validity, verifying the reconciliation is complete and accurate,
using any system reports if they are applicable. The Supervisor signs off on the
bottom of each reconciliation and dates the document.

After all accounts are reviewed and any memos are prepared and signed off, all
of the reconciliations and the reconciliation log are then forwarded to the Vice
President of Investor Services for a second review and signoff.

All private pool investor (recon 660) and GSE principal and interest custodial
account reconciliations are reviewed and signed off on by the supervisor. Also,
the manager selects 10 accounts per month at random for review.

Mortgage Payments

Mortgage payments shall be deposited into the custodial bank accounts and
related bank clearing accounts within two (2) business days of receipt. Mortgage
payments made in accordance with

(PAGE)


the mortgagor's loan documents shall be posted to the applicable mortgagor
records within two (2) business days of receipt. Mortgage payments shall be
allocated to principal, interest, insurance, taxes or other escrow items in
accordance with the mortgagor's loan documents. Mortgage payments identified as
loan payoffs shall be allocated in accordance with the mortgagor's loan
documents.

Procedure:

NCM receives mortgage payments from their customers through the following
channels: Lockbox, EFT, Over-the-Counter [OTC are payments made at a National
City Bank branch], In-House payments [payments received from other departments
or directly mailed to NCM], and Electronic Transmissions [payments received
electronically from vendors such as SpeedPay, CheckFree, Metavante, Princeton
eCom, On-Line Resources and Western Union Quick Collect]. All customer payments
made via Lockbox, EFT, Over-the-Counter, In-House and Electronic Transmissions
are ultimately transferred to the NCMC Collection Clearing Account (DDA #
2532529). The Collection Clearing account activity is balanced to Exact
transaction reports on a daily basis by Payment Services. These reports are
retrieved from a bank reporting service. The Collection Clearing account is also
balanced to the bank statement monthly by Investor Services, who has no payment
posting authority.

Each day, balancing processors ensure that the payments received from the
channels noted above are deposited into the related bank clearing accounts and
that the borrower's payment information has been updated to MSP [Fidelity].

All payments received by National City Mortgage are updated within two (2)
business days or less. Below is a description by payment channel.
* Lockbox has an SLA [Service Level Agreement] with NCM that 100% of matched
  payments will be processed same day. The remaining, exception payments will be
  processed 100% the next day.
* EFT payments are processed electronically on their scheduled date.
* OTC payments are transmitted directly to MSP daily by National City Bank.
* Electronic/Bill Payment Vendor payments are transmitted directly to MSP daily
  by the vendor.
* In-House payments are received from: (1) other departments, (2) unprocessed
  work from Lockbox; (3) Customer Service lobby; and (4) payments mailed
  directly to NCMC. In-House payments [exception payments] are keyed directly
  into the MSP system and are applied to the mortgagor records the day received
  by Payment Services. If all payments are not processed same day, they are
  processed the first thing the following morning. Payments are processed
  first-in-first-out.

Each payment processed into MSP [Fidelity] is automatically allocated by the MSP
system to principal, interest, taxes, insurance and service fees during MSP's
nightly processing. National City Mortgage Co. accepts payoffs by check or wire.
Payoff checks and wires received by 3:00 p.m. Eastern Time, Monday through
Friday, will be processed the same day. Payoff checks must be mailed to: 3232
Newmark Dr., Miamisburg, Ohio 45342, Attn: Payoff Dept. All payoffs are date
stamped and posted to the servicing system (Fidelity) the same day received with
the exception of short payoffs. Deposit slips are prepared and batch reconciled
to the deposit. The deposit slips and corresponding checks are hand delivered to
Payment Services for a second reconciliation to prepare for delivery to the
bank. If payoff funds received are inadequate and sufficient funds are not in
the loans escrow/impound account, National City Mortgage Co. will contact the
sender of the funds to collect the shortage.

Disbursements

(PAGE)


Disbursements made via wire transfer on behalf of a mortgagor or investor shall
be made only by authorized personnel. 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. 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. 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. Amounts remitted to investors per the servicer's investor reports
shall agree with cancelled checks, or other form of payment, or custodial bank
statements. Unissued checks shall be safeguarded so as to prevent unauthorized
access.

Procedure:

National City Mortgage Co has proper internal controls to provide reasonable
assurance that investor remittances and tax and insurance payments are properly
authorized at the correct amount. The servicing system tracks due dates to
ensure timely payment. All clearing and custodial accounts are reconciled
monthly to the servicing system. Only authorized personnel are allowed wire
transfer access and check printing access. Internal audits and utilization of
the servicing system prevents duplicate payments.

Each loan is audited to ensure that the appropriate insurance and tax
information has been populated for correct disbursement. Tax and Insurance
information is tracked on an automated "Insurance or Tax Workstation" and
disbursements are generated based on the appropriate expiration or due date.

Investor Accounting and Reporting

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.

Procedure:

For the majority of loans, the investor sends a "turnaround" report which
compares the servicer trial balance records to the investor records. Other
investors notify the Investor Services department of differences.

Mortgagor Loan Accounting

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. Adjustments on adjustable rate mortgage (ARM) loans shall be
computed based on the related mortgage note and any ARM rider. Escrow accounts
shall be analyzed, in accordance with the mortgagor's loan documents, on at
least an annual basis. Interest on escrow accounts shall be paid, or credited,
to mortgagors in accordance with the applicable state laws.

Procedure:

Once a loan boards the Fidelity servicing system, it is reviewed for accuracy.
The Fidelity system tracks each loan until termination. Sufficient funds are
deposited to the escrow account to cover insurance premiums, (including hazard,
flood, PMI and MIP), taxes, and special assessments.

(PAGE)


ARM adjustments are calculated on an automated "ARM workstation" and are based
on the appropriate index as obtained in the Wall Street Journal or other
financial publication as needed. A letter is sent according to RESPA
requirements, advising the borrower of the new rate.

Each escrowed loan is boarded on the Fidelity servicing system with a coupon
month that indicates when the loan is due for escrow analysis. Loans are
reviewed each month based upon the coupon month and the mass escrow analysis is
performed. Quality audit reports are ordered monthly on the entire portfolio to
ensure that the loans are in the appropriate coupon month and that each loan has
been analyzed in the past twelve months or remains within RESPA compliance.

The accrual of interest on escrow is tracked on the Fidelity servicing system on
the loan level. Monthly reports, ordered by the Escrow Analysis Supervisor,
release the funds to be deposited into the escrow accounts. Quarterly, the
Escrow Analysis Supervisor reviews the state regulations for changes. Quality
audit reports are ordered monthly on the loans in states requiring interest on
escrow to ensure that the loans are properly coded for interest on escrow.

Delinquencies

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 repayment plans in cases
where the delinquency is deemed temporary (i.e., illness or unemployment).

Procedure:

National City Mortgage Co.'s collection strategy is to make early contact with
delinquent mortgagors to improve the likelihood that defaults and poor pay
habits can be cured. This strategy employs a series of calls, letters, and
property inspections to gather information regarding the reasons for default,
the mortgagors' ability to pay, their intentions to retain the property and the
condition of the property.

Delinquency trends, by product, are analyzed throughout the month to provide
effective call campaign penetration strategies. Risk Profiler and Early
Indicator scoring are utilized to prioritize calling campaigns. High risk and
special product loans are managed in a Special Servicing Team. This team
consists of counselors who demonstrate strong technical and product knowledge,
excellent listening skills, and possess a thorough understanding of loss
mitigation.

The use of Early Resolution allows counselors to work all stages of delinquency.
Loans thirty or more days past due are worked through Early Resolution starting
the first day of the month. Less than thirty-day delinquent loans are worked in
FIS through the sixteenth of the month. All delinquent loans are processed
through Early Resolution by the seventeenth day of the month.

The scripting and prompting tools within Early Resolution guide the counselor to
obtain the necessary mortgagor information required to evaluate a hierarchy of
solutions. Approximately three hundred management controls and embedded complex
calculations within Early Resolution lead the counselor through the appropriate
qualification/pre-qualification or loss mitigation resolution. The available
Loss Mitigation options are:
* Partial Claim/Claim Advance

* Modification

* Short Sale

(PAGE)


* Deed-in-lieu of foreclosure

Workouts are encouraged if the end result is to improve the likelihood that the
mortgagor can retain his/her home through reduced payments or that losses can be
reduced through an assisted short sale of the property. In the interest of
minimizing investor losses, collection activity continues during the loss
mitigation review process. If the mortgagor's financial situation does not
support a workout or if the mortgagor is unwilling to work with National City
Mortgage Co., the loan is breached and moved timely through the foreclosure
process. Loss Mitigation will continue to be offered to the borrower throughout
the foreclosure process.

Insurance Policies

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.

Procedure:

National City Mortgage Co is required to carry adequate coverage on National
City Mortgage Co's loans in the event that National City Mortgage Co made an
error. The policy is reviewed annually to ensure proper coverage.





  EX-99.2 (g)
PHH Mortgage

(logo) PHH

3000 Leadenhall Road
Mt. Laurel, NJ 08054



February 28, 2006

As of and for the year ended December 31, 2005, PHH Mortgage Corporation (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, except for as discussed below.

The Company completed all custodial bank account reconciliations within 60 days
of the cutoff date, however did not complete all reconciliations within 45 days
of the cutoff as specified by the minimum servicing standards. As such, the
Company has determined that it was materially non-compliant with the requirement
to prepare custodial bank account reconciliations within 45 calendar days after
the cutoff date.

During the year ended December 31, 2005, the Company determined it was
materially non-compliant with the requirement to resolve reconciling items
resulting from custodial bank account reconciliations within 90 calendar days as
specified by the minimum servicing standards.

As of and for this same period, the Company had in effect a fidelity bond and
errors and omissions policy in the amount of $160 million and $20 million,
respectively.


PHH Mortgage Coroporation

/s/ Terence Edwards
Terence W. Edwards
President and Chief Executive Officer


/s/ Mark Danahy
Mark Danahy
Senior Vice President and Chief Financial Officer


/s/ Martin Foster
Martin L. Foster
Senior Vice President - Loan Servicing


[PAGE]

APPENDIX I

PHH MORTGAGE CORPORATION - 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:
     * be mathematically accurate;
     * be prepared within forty-five (45) calendar days after the cutoff date;
     * be reviewed and approved by someone other than the person who prepared
     the Reconciliation; and
     * 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 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 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 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.

[PAGE]

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.   Unused 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 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.  (A compilation of state laws
     relating to the payment of interest on escrow accounts may be obtained
     through the MBA's FAX ON DEMAND service.  For more information, contact
     MBA.)

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
     (e.g., 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.





  EX-99.2 (h)
Wachovia Mortgage Corporation
Coporate Mortgage Services Division
NC1087
401 South Tryon Street, 22nd Floor
Charlotte, NC 28288

Toll Free 866 642-9405


(logo)

WACHOVIA


MANAGEMENT ASSERTION


As of and for the year ended December 31, 2005, Wachovia Mortgage Corporation
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. As of and for the same period,
Wachovia Mortgage Corporation had in effect a fidelity bond in the amount of
$200 million from January 1, 2005 through May 31, 2005 and $250 million from
June 1, 2005 through December 31, 2005 and an errors and omissions policy in the
amount of $20 million from January 1, 2005 through August 31, 2005 and $25
million from September 1, 2005 through December 31, 2005.


/s/ C.D. Davies
C.D. Davies, President/
Chief Executive Officer

March 15, 2006
Date


/s/ Debbie Craig
Debbie Craig, Senior Vice President/
Chief Financial Officer

March 15, 2006
Date


/s/ Tim Schuck
Tim Schuck, Vice President/
Director of Servicing

March 15, 2006
Date





  EX-99.2 (i)
(logo) Washington Mutual


MANAGEMENT'S ASSERTION

As of and for the year ended December 31, 2005, Washington Mutual Mortgage
Securities Corp. (the "Company") has complied, in all material respects in its
role as master servicer, with the Company's established minimum servicing
standards as set forth in Appendix II for the series of certificates included in
the accompanying Appendix I.

As of and for this same period, the Company (as subsidiary of Washington Mutual,
Inc.) was covered by a fidelity bond in the amount of $110 million and errors
and omissions policy in the amount of $20 million.


/s/ Thomas G. Lehmann
Thomas Lehmann
President
Washington Mutual Mortgage Securities Corp.


/s/ David Schneider
David Schneider
Executive Vice President
Home Loans

March 13, 2006


1201 3rd Avenue
Seattle, WA 98101


-2-


(page)


WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.

APPENDIX I: SERIES OF CERTIFICATES


POOLING AND SERVICING AGREEMENT, dated 07/01/82, Mortgage Pass-Through
Certificate, Series SMSC 1982-4, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-1, between WMMSC Vida PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984-3, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/84, Mortgage Pass-Through
Certificate, Series SMSC 1984 ARM P-1-1-4, between WMMSC f/k/a PNCMSC f/k/a
Sears Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1984 ARM I-1-2, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1985-7 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 04/01/85, Residential Mortgage Loans, Series SMSC
1985-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/85, Mortgage Pass-Through
Certificate, Series SMSC 1985-11 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 12/01/85, Mortgage Pass-Through
Certificate, Series SMSC1985-PR3, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Bankers Trust Company of California.

POOLING AND SERVICING AGREEMENT, dated 01/01/86, Mortgage Pass-Through
Certificate, Series SMSC 1986-1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.


-3-


(page)


POOLING AND SERVICING AGREEMENT, dated 02/01/86, Mortgage Pass-Through
Certificate, Series SMSC 1986-PR1, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Bankers Trust Company of California.

PARTICIPATION AGREEMENT, dated 02/01/86, Residential Mortgage Loans, Series SMSC
1986-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/86, Residential Mortgage Loans, Series SMSC
1986- PA3, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/86, Residential Mortgage Loans, Series SMSC
1986-PA4 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 06/01/86, Residential Mortgage Loans, Series SMSC
1986- PA6, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 01/01/87, Residential Mortgage Loans, Series SMSC
1987- PA1, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 02/01/87, Residential Mortgage Loans, Series SMSC
1987-PA2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-B, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/87, Residential Mortgage Loans, Series SMSC
1987- PA7, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR10, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR11, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-PR13, between WMMSC f/k/a PNCMSC f/k/a Sears
Mortgage Securities Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/87, Mortgage Pass-Through
Certificate, Series SMSC 1987-C, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.


-4-


(page)


PARTICIPATION AGREEMENT, dated 01/01/88, Residential Mortgage Loans, Series SMSC
1988-PA1 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 10/01/87, Residential Mortgage Loans, Series SMSC
1987-PA9 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 11/01/87, Residential Mortgage Loans, Series SMSC
1987- PAl2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/89, Residential Mortgage Loans, Series SMSC
1989-PAl ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 11/01/87, Residential Mortgage Loans, Series SMSC
1987- PA13 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 02/01/88, Residential Mortgage Loans, Series SMSC
1988-PA2 B ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 12/01/87, Residential Mortgage Loans, Series SMSC
1987- PA14 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA4 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA6 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and JP Morgan Chase.

PARTICIPATION AGREEMENT, dated 03/01/88, Residential Mortgage Loans, Series SMSC
1988-PA7 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 06/01/88, Residential Mortgage Loans, Series SMSC
1988- PA10 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/88, Residential Mortgage Loans, Series SMSC
1988- PAl2 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 07/01/88, Residential Mortgage Loans, Series SMSC
1988- PA13 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.


-5-


(page)


PARTICIPATION AGREEMENT, dated 06/01/88, Residential Mortgage Loans, Series SMSC
1988- PA14 ARM, between WMMSC f/lc/a PNCMSC f/k/a Sears Mortgage Securities
Corp. and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/88, Mortgage Pass-Through
Certificate, Series SMSC 1988-A, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 08/01/88, Residential Mortgage Loans, Series SMSC
1988- PA16 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 09/01/88, Residential Mortgage Loans, Series SMSC
1988- PA17 ARM, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp.
and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 10/01/89, Residential Mortgage Loans, Series SMSC
1989- PA2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/92, Mortgage Pass-Through
Certificate, Series SMSC 1992-2, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage
Securities Corp. and Deutsche Bank National Trust Co.

PARTICIPATION AGREEMENT, dated 09/01/93, Residential Mortgage Loans, Series SMSC
1993- PA1, between WMMSC f/k/a PNCMSC f/k/a Sears Mortgage Securities Corp. and
Deutsche Bank National Trust Co.

SERVICING AGREEMENT, dated 06/01/97, Residential Mortgage Loans, Series
1997-WH2, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
1997-WH3, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 12/01/97, Residential Mortgage Loans, Series
1997-BWH2, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 02/01/98, Mortgage Pass-Through Certificate, Series
1998-BWH1, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/97, Mortgage Pass-Through
Certificate, Series CMC 1997-2, between WMMSC f/k/a PNCMSC and US Bank National
Association.

SERVICING AGREEMENT, dated 08/01/98, Residential Mortgage Loans, Series
1998-WH8, between WMMSC f/k/a PNCMSC and New York Life.

SERVICING AGREEMENT, dated 07/01/98, Residential Mortgage Loans, Series DLJ
1998-WH7, between WMMSC f/k/a PNCMSC and Soverign Bank.


-6-


(page)


SERVICING AGREEMENT, dated 09/01/98, Residential Mortgage Loans, Series
1998-WH12, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 09/01/98, Mortgage Pass-Through
Certificate, Series 1998-3 Impac, between WMMSC f/k/a PNCMSC and Deutsche Bank
National Trust Co.

SERVICING AGREEMENT, dated 11/01/98, Residential Mortgage Loans, Series Telebanc
1998-WH14, between WMMSC f/k/a PNCMSC and E Trade Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series Chase 1998-S7, between WMMSC f/k/a PNCMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 12/01/98, Residential Mortgage Loans, Series Telebanc
1998-WH16, between WMMSC f/k/a PNCMSC and E Trade Bank.

POOLING AND SERVICING AGREEMENT, dated 03/01/99, Mortgage Pass-Through
Certificate, Series FNT 1999-2, between WMMSC f/k/a PNCMSC and Bank One National
Association.

SERVICING AGREEMENT, dated 03/01/99, Residential Mortgage Loans, Series Telebanc
1999-WH3, between WMMSC f/k/a PNCMSC and E Trade Bank.

SERVICING AGREEMENT, dated 03/01/99, Residential Mortgage Loans, Series
1997-BWH1, between WMMSC and Net Bank.

SERVICING AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
1997-BWH1, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series Telebanc III, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series FNT 1999-3, between WMMSC f/k/a PNCMSC and Bank One National
Association.

SERVICING AGREEMENT, dated 06/01/99, Residential Mortgage Loans, Series
1999-WH9, between WMMSC f/k/a PNCMSC and Matrix Capital Bank.

SERVICING AGREEMENT, dated 05/01/99, Residential Mortgage Loans, Series Telebanc
1999- WH3B, between WMMSC f/k/a PNCMSC and E Trade Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH10, between WMMSC f/k/a PNCMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 09/01/99, Residential Mortgage Loans, Series
1999-WH12, between WMMSC and First Union National Bank.

SERVICING AGREEMENT, dated 10/01/99, Residential Mortgage Loans, Series
1999-WH14, between WMMSC f/k/a PNCMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 12/01/99, Residential Mortgage Loans, Series
1999-WH15, between WMMSC f/k/a PNCMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 02/01/00, Mortgage Pass-Through
Certificate, Series PNCMT 2000-1, between WMMSC and JP Morgan Chase.

FLOW SERVICING AGREEMENT, dated 05/01/00, Residential Mortgage Loans, Series DLJ
Flow Pool, between WMMSC and CSFB f/k/a DLJ.

SERVICING AGREEMENT, dated 07/01/00, Residential Mortgage Loans, Series
2000-WH7, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 08/01/00, Mortgage Pass-Through
Certificate, Series FNT 2000-1, between WMMSC f/k/a PNCMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/00, Mortgage Pass-Through
Certificate, Series DLJ ABS 2000-3, between WMMSC and The Chase Manhattan Bank.

SERVICING AGREEMENT, dated 10/01/00, Residential Mortgage Loans, Series
2000-WH12, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 11/01/00, Residential Mortgage Loans, Series
2000-WH14, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 10/01/00, Residential Mortgage Loans, Series
2000-WH13, between WMMSC f/k/a PNCMSC and Virtual Bank.

SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, Series
2000-WH15, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-1, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 02/01/01, Residential Mortgage Loans, Series
2001-RP1, between WMMSC and State Street Bank.

FLOW SERVICING AGREEMENT, dated 04/01/01, Residential Mortgage Loans, Series
2001-FL1, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series SASCO 2001-8A, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 01/01/01, Residential Mortgage Loans, Series
2001-WH3, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 02/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-9, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-11, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR14, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/01, Mortgage Pass-Through
Certificate, Series FNT 2001-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/01, Mortgage Pass-Through
Certificate, Series WAMU 2001-9, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/01, Mortgage Pass-Through
Certificate, Series FNT 2001-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-AR19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/01, Mortgage Pass-Through
Certificate, Series Chase 2001-S5, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 10/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-26, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series WAMU 2001-AR3, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series WAMMS 2001-MS14, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-28, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/01, Mortgage Pass-Through
Certificate, Series Chase 2001-S7, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series WAMMS 2001-MS15, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-33, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/01, Mortgage Pass-Through
Certificate, Series Thornburg 2001-2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS1, between WMMSC and State Street Bank & Trust.


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(page)


POOLING AND SERVICING AGREEMENT, dated 01/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR2, between WMMSC and Chase Home Mortgage.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-7, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 03/01/02, Residential Mortgage Loans, Series
2002-WH3, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-9, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR1, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 03/01/02, Residential Mortgage Loans, Series
2002-WH4, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH5, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS3, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR7, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH6, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 04/01/02, Residential Mortgage Loans, Series
2002-WH7, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-10, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/02, Mortgage Pass-Through
Certificate, Series Chase 2002-S6, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 05/01/02, Residential Mortgage Loans, Series
2002-WH8, between WMMSC and State Street Bank.


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(page)


POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR13, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS4, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-18, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S3, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 06/01/02, Residential Mortgage Loans, Series CSFB
2002-WH9, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR21, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-22, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS5, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S5, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR8, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR9, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 08/01/02, Residential Mortgage Loans, Series
2002-WH11, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS6, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR25, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-24, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR10, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR11, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 10/01/02, Residential Mortgage Loans, Series WMMSC
2002- WH13, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-26, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR12, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR27, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S6, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR13, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR14, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS7, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-29, between WMMSC and Chase Home Mortgage.

SERVICING AGREEMENT, dated 11/01/02, Residential Mortgage Loans, Series
2002-WH15, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR17, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR15, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR16, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS9, between WMMSC and State Street Bank & Trust.


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(page)


POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS8, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR31, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-30, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-AR3, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR18, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series UBS MALT 2002-3, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series AMAC 2002-9, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH19, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS11, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series SASCO 2002-26, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS12, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-34, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR33, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMMS 2002-MS10, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-S8, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH17, between WMMSC f/k/a PNCMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 12/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR19, between WMMSC and Deutsche Bank National
Trust Co.


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(page)


SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series
2003-WH2, between WMMSC and State Street Bank.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS2, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR1, between WMMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-1, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR2, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR3, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR9, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-8, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series Thornburg 2003-2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR12, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-10, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-3, between WMMSC and Bank One, National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR6, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-11, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR15, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 10/01/02, Mortgage Pass-Through
Certificate, Series CSFB 2002-AR28, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-17, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR18, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR7, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S7, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR8, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-19, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR20, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR9, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-AR4, between WMMSC and US Bank National
Association.

SERVICING AGREEMENT, dated 08/01/03, Residential Mortgage Loans, Series CSFB
2003-WH16, between WMMSC and CSFB.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR22, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-21, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-6, between WMMSC and JP Morgan Chase.


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(page)


POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-23, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR24, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S9, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S10, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR10, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series BAFC 2003-3, between WMMSC and Wells Fargo Bank, NA.

SERVICING AGREEMENT, dated 09/01/03, Residential Mortgage Loans, Series
2003-WH18, between WMMSC and Bank of New York.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR11, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S11, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR26, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-25, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series UBS MARM 2003-5, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 12/01/03, Residential Mortgage Loans, Series
2003-WH20, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series WAMMS 2003-MS9, between WMMSC and US Bank National
Association.


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(page)


POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S13, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR28, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-27, between WMMSC and Bank One National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-29, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series CSFB 2003-AR30, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-AR12, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-1, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 01/01/04, Residential Mortgage Loans, Series
2004-WH2, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 01/01/04, Residential Mortgage Loans, Series
2004-WHl, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-1, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-2, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH5, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH6, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S1, between WMMSC and Citibank, N.A.


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(page)


SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series
2004-WH4, between WMMSC and Merrill Lynch.

SERVICING AGREEMENT, dated 03/01/04, Residential Mortgage Loans, Series
2004-WH7, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-3, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH9, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-3, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-4, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH10, between WMMSC and Raymond James Bank.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR3, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH13, between WMMSC and EMC Mortgage Corp.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB1, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH16, between WMMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR5, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-5, between WMMSC and Wachovia Bank, NA.


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POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-5, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-3, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series GSR 2004-6F, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S2, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR6, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH17, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH18, between WMMSC and Bay View Financial Training Group.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB2, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series CBASS 2004-RP1, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-6, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-5, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-6, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR8, between WMMSC and Deutsche Bank National
Trust Co.


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POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-S3, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR7, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH26, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-6AR, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-RA3, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-4, between WMMSC and US Bank National Association.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH29, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-7, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-7, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR9, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR10, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH23, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 08/01/04, Residential Mortgage Loans, Series
2004-WH21, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB3, between WMMSC and Citibank, N.A.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-AR8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-5, between WMMSC and US Bank National Association.


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POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-7AR, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series MSM 2004-4, between WMMSC and Deutsche Bank National Trust
Co.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-8, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 08/01/04, Residential Mortgage Loans, Series
2004-WH28, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-9, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-8, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR11, between WMMSC and Citibank, N.A.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH30, between WMMSC and CSFB f/k/a DLJMC.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH31, between WMMSC and Bay View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-6, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-3, between WMMSC and Wells Fargo Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-10, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series
2004-WH34, between WMMSC and Washington Mutual Bank, NA.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH35, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH27, between WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH33, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 10/01/04, Residential Mortgage Loans, Series
2004-WH36, between WMMSC and Washington Mutual Bank, NA.


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POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-CB4, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-7, between WMMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-11, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MARM 2004-12, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR12, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH32, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH37, between WMMSC and Hudson City Savings Bank.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-4, between WMMSC and Wachovia Bank, NA.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH39, between WMMSC and Greenpoint Bank.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH38, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-8, between WMMSC and US Bank National Association.

SERVICING AGREEMENT, dated 11/01/04, Residential Mortgage Loans, Series
2004-WH41, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR13, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH42, between WMMSC and US Bank Corporate Trust Services.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series CSFB ARMT 2004-5, between WMMSC and HSBC Bank-USA, National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series BAFC 2004-D, between WMMSC and Wachovia Bank, NA.


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SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH44, between WMMSC and Washington Mutual Bank, NA.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH45, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series UBS MALT 2004-13, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series WAMU 2004-AR14, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 02/01/98, Residential Mortgage Loans, Series
1997-WH7, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 10/01/97, Residential Mortgage Loans, Series
1997-WH7, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/96, Residential Mortgage Loans, Series
MLCC/1996-PA4, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series PNCBK 2001-MS1, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 12/01/02, Residential Mortgage Loans, Series
2002-WH20, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series PNC/ABN
AMRO, between WMMSC and State Street Bank & Trust.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH8, between WMMSC and State Street Bank.

SERVICING AGREEMENT, dated 02/01/99, Residential Mortgage Loans, Series
1999-WH1, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 04/01/99, Residential Mortgage Loans, Series
1999-WH4A, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 04/01/99, Residential Mortgage Loans, Series
1999-WH4, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 05/01/99, Residential Mortgage Loans, Series
1999-WH4B, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4F, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4E, between WMMSC f/k/a PNCMSC and Soverign Bank.


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SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4D, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 06/01/99, Residential Mortgage Loans, Series
1999-WH4C, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 07/01/99, Residential Mortgage Loans, Series
1999-WH4H, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 09/01/99, Residential Mortgage Loans, Series
1999-WH4L, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 08/01/99, Residential Mortgage Loans, Series
1999-WH4K, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 08/01/99, Residential Mortgage Loans, Series
1999-WH4J, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 12/01/97, Mortgage Pass-Through
Certificate, Series 1997 BWH-2, between WMMSC f/k/a PNCMSC and Chase Manhattan
Mortgage Corp.

SERVICING AGREEMENT, dated 09/01/97, Residential Mortgage Loans, Series
1997-WH4, between WMMSC f/k/a PNCMSC and New York Life.

POOLING AND SERVICING AGREEMENT, dated 02/01/98, Mortgage Pass-Through
Certificate, Series 1998 BWH-1, between WMMSC f/k/a PNCMSC and Chase Manhattan
Mortgage Corp.

SERVICING AGREEMENT, dated 09/01/98, Residential Mortgage Loans, Series
1998-WH11, between WMMSC f/k/a PNCMSC and Deutsche Bank National Trust Co.

SERVICING AGREEMENT, dated 04/01/98, Residential Mortgage Loans, Series
1998-WH4, between WMMSC f/k/a PNCMSC and New York Life.

SERVICING AGREEMENT, dated 05/01/98, Residential Mortgage Loans, Series
1998-WH6, between WMMSC f/k/a PNCMSC and US Bank National Association.

SERVICING AGREEMENT, dated 08/01/98, Residential Mortgage Loans, Series
1998-WH9, between WMMSC f/k/a PNCMSC and Deutsche Bank National Trust Co.

POOLING AND SERVICING AGREEMENT, dated 01/01/99, Mortgage Pass-Through
Certificate, Series 1999-A2 Indy Mac, between WMMSC f/k/a PNCMSC and Bank of New
York.

SERVICING AGREEMENT, dated 01/01/00, Residential Mortgage Loans, Series
2000-WH1, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 01/01/00, Residential Mortgage Loans, Series
2000-WH2, between WMMSC f/k/a PNCMSC and Soverign Bank.

SERVICING AGREEMENT, dated 01/01/03, Residential Mortgage Loans, Series
2003-WH1, between WMMSC and Treasury Bank.


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SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series
2003-WH12, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series
2003-WH14, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 12/01/03, Residential Mortgage Loans, Series
2003-WH19, between WMMSC and Bank of New York.

SERVICING AGREEMENT, dated 04/01/04, Residential Mortgage Loans, Series
2004-WH11, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series
2004-WH14, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 06/01/04, Residential Mortgage Loans, Series
2004-WH19, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH20, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 07/01/04, Residential Mortgage Loans, Series
2004-WH24, between WMMSC and US Bank Corporate Trust Services.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH40, between WMMSC and Bay View Financial Trading Group.

SERVICING AGREEMENT, dated 12/01/04, Residential Mortgage Loans, Series
2004-WH43, between WMMSC and Washington Mutual Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-11, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-12, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-13, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 02/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-3, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series ABN AMRO 2003-4, between WMMSC and US Bank Corporate Trust
Services.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series AMAC 2003-6, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 02/01/97, Residential Mortgage Loans, Series Bank
Atlantic 1998-WH1, between WMMSC f/k/a PNCMSC and Bank Atlantic.


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SERVICING AGREEMENT, dated 09/01/04, Residential Mortgage Loans, Series Bank
Atlantic 2004-WH25, between WMMSC and Bank Atlantic.

FLOW SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, Series
Bank of America Flow Agreement, between WMMSC and Bank of America, NA.

FLOW SERVICING AGREEMENT, dated 03/01/03, Residential Mortgage Loans, Series
Bank of America Flow Agreement, between WMMSC and Bank of America.

SERVICING AGREEMENT, dated 05/01/04, Residential Mortgage Loans, Series Bank of
New York 2004-WH12, between WMMSC and Bank of New York.

SERVICING AGREEMENT, dated 02/01/04, Residential Mortgage Loans, Series Bank of
New York 2004-WH3, between WMMSC and Bank of New York.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-C, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-D, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series Bay View 2003-WH5, between WMMSC and Bay View Financial
Trading Group.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series Bay View 2004-C, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/04, Mortgage Pass-Through
Certificate, Series Bay View 2004-D, between WMMSC and Wachovia Bank, NA.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 11/01/02, Residential
Mortgage Loans, Series Bay view Call Pool, between WMMSC f/k/a PNCMSC and Bay
View Financial Trading Group.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead I, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead II, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 03/01/00, Mortgage Pass-Through
Certificate, Series Capstead III, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 11/01/97, Mortgage Pass-Through
Certificate, Series CMC 1997-H, between WMMSC f/k/a PNCMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 01/01/01, Mortgage Pass-Through
Certificate, Series CSFB 2001-2, between WMMSC and JP Morgan Chase.

SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, Series CSFB
2003-WH11, between WMMSC and CSFB.


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(page)


SERVICING AGREEMENT, dated 05/01/03, Residential Mortgage Loans, Series CSFB
2003-WH13, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 07/01/03, Residential Mortgage Loans, Series CSFB
2003-WH15, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 09/01/03, Residential Mortgage Loans, Series CSFB
2003-WH17, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 02/01/03, Residential Mortgage Loans, Series CSFB
2003-WH7, between WMMSC and CSFB.

SERVICING AGREEMENT, dated 03/01/03, Residential Mortgage Loans, Series CSFB
2003-WH8, between WMMSC and CSFB.

POOLING AND SERVICING AGREEMENT, dated 09/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT1, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT2, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series CSFB 2004-ARMT4, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/00, Mortgage Pass-Through
Certificate, Series DLJABS 2000-2, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 02/01/99, Mortgage Pass-Through
Certificate, Series Indy Mac Rast A3, between WMMSC f/k/a PNCMSC and Bank of New
York.

POOLING AND SERVICING AGREEMENT, dated 07/01/01, Mortgage Pass-Through
Certificate, Series MLMI 2001-1 WM1, between WMMSC and Wells Fargo Bank
Minnesota, NA.

SERVICING AGREEMENT, dated 09/01/00, Residential Mortgage Loans, Series New York
Life 2000-WH9, between WMMSC f/k/a PNCMSC and First Union National Bank.

SERVICING AGREEMENT, dated 01/01/02, Residential Mortgage Loans, Series New York
Life 2002-WH1, between WMMSC f/k/a PNCMSC and First Union National Bank.

PARTICIPATION AGREEMENT, dated 11/01/93, Residential Mortgage Loans, Series
PNCMSC 1993-PA2A, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 11/01/93, Residential Mortgage Loans, Series
PNCMSC 1993-PA2B, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 07/01/95, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and Chase Bank of Texas, NA.

PARTICIPATION AGREEMENT, dated 11/01/94, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.


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(page)


PARTICIPATION AGREEMENT, dated 06/01/98, Residential Mortgage Loans, Series
PNCMSC 1994-PA2, between WMMSC f/k/a PNCMSC and US Bank National Association.

POOLING AND SERVICING AGREEMENT, dated 09/01/95, Mortgage Pass-Through
Certificate, Series PNCMSC 1995-PRI, between WMMSC f/k/a PNCMSC and US Bank
National Association.

POOLING AND SERVICING AGREEMENT, dated 02/01/96, Mortgage Pass-Through
Certificate, Series PNCMSC 1996-1, between WMMSC f/k/a PNCMSC and Bank United
Financial Corp.

PARTICIPATION AGREEMENT, dated 01/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA1, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 10/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA10, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA4, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

PARTICIPATION AGREEMENT, dated 03/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA6, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 06/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA8, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

PARTICIPATION AGREEMENT, dated 10/01/96, Residential Mortgage Loans, Series
PNCMSC 1996-PA9, between WMMSC f/k/a PNCMSC and US Bank National Association.

PARTICIPATION AGREEMENT, dated 02/01/99, Residential Mortgage Loans, Series
PNCMSC 1996-PAA, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/97, Mortgage Pass-Through
Certificate, Series PNCMSC 1997-MS1, between WMMSC f/k/a PNCMSC and Crestar
Mortgage Corp.

PARTICIPATION AGREEMENT, dated 07/01/97, Residential Mortgage Loans, Series
PNCMSC 1997-PA2, between WMMSC f/k/a PNCMSC and State Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 06/01/97, Mortgage Pass-Through
Certificate, Series PNCMSC 1997-PR1, between WMMSC f/k/a PNCMSC and US Bank
National Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-10, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-12, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/98, Mortgage Pass-Through
Certificate, Series PNCMSC 1998-8, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-10, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.


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POOLING AND SERVICING AGREEMENT, dated 10/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-11, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-12, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 02/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-2, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 03/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-3, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 04/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-4, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 05/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-5, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-8, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 08/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-9, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 07/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-A, between WMMSC f/k/a PNCMSC and State Street
Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 12/01/99, Mortgage Pass-Through
Certificate, Series PNCMSC 1999-FSB-1, between WMMSC f/k/a PNCMSC and State
Street Bank & Trust.

POOLING AND SERVICING AGREEMENT, dated 09/01/02, Mortgage Pass-Through
Certificate, Series SBMSI 2002-HYB1, between WMMSC and US Bank National
Association as Trustee and Citibank, N.A. as Trust Administrator.

SERVICING AGREEMENT, dated 11/01/98, Residential Mortgage Loans, Series
Sovereign 1998-WH13, between WMMSC f/k/a PNCMSC and Soverign Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series Telebanc I, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/98, Mortgage Pass-Through
Certificate, Series Telebanc II, between WMMSC f/k/a PNCMSC and State Street
Bank.

POOLING AND SERVICING AGREEMENT, dated 10/01/01, Mortgage Pass-Through
Certificate, Series Thornburg 2001-1, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 11/01/98, Mortgage Pass-Through
Certificate, Series TMA 1998-1, between WMMSC f/k/a PNCMSC and Deutsche Bank
National Trust Co.


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FLOW SERVICING AGREEMENT, dated 10/01/02, Residential Mortgage Loans, UBS Flow
Agreement, between WMMSC and UBS Real Estate Securities, Inc.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series UBS MALT 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 08/01/02, Mortgage Pass-Through
Certificate, Series UBS MASTER 2002-6, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 11/01/02, Mortgage Pass-Through
Certificate, Series UBS MASTER 2002-8, between WMMSC and State Street Bank &
Trust.

POOLING AND SERVICING AGREEMENT, dated 10/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-10, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 11/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-11, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 12/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-12, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 03/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-3, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 04/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-4, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 05/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-5, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-6, between WMMSC and JP Morgan Chase.

POOLING AND SERVICING AGREEMENT, dated 07/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-7, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-8, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/03, Mortgage Pass-Through
Certificate, Series UBS MASTER 2003-9, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 01/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-1, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-10, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 11/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-11, between WMMSC and US Bank National
Association.


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POOLING AND SERVICING AGREEMENT, dated 02/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-3, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 03/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-4, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 04/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-5, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 06/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-6, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 07/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-8, between WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 08/01/04, Mortgage Pass-Through
Certificate, Series UBS MASTER 2004-9, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 06/01/03, Mortgage Pass-Through
Certificate, Series WAMU 2003-S6, between WMMSC and US Bank National
Association.

POOLING AND SERVICING AGREEMENT, dated 10/01/04, Mortgage Pass-Through
Certificate, Series WAMMS 2004-R4, between WMMSC and LaSalle Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 02/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR2, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 03/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR4, between WMMSC and Deutsche Bank National
Trust Co.

POOLING AND SERVICING AGREEMENT, dated 05/01/02, Mortgage Pass-Through
Certificate, Series WAMU 2002-AR6, between WMMSC and Deutsche Bank National
Trust Co.

SERVICING AGREEMENT, dated 04/01/03, Residential Mortgage Loans, WAMU 2003-WH10,
between WMMSC and Washington Mutual Bank, FA.

MASTER SERVICING AGREEMENT, dated 07/23/03, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Federal Home Loan Bank of
Atlanta (FHLB).

SERVICING AGREEMENT, dated 02/01/01, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Federal Home Loan Bank of
Seattle (FHLB).

SERVICING AGREEMENT, dated 04/01/01, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. and Washington Mutual Bank, FA.

SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. f/k/a PNC Mortgage Securities Corp.
and Federal Home Loan Bank Cincinnati (FHLB).


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SERVICING AGREEMENT, dated 12/01/00, Residential Mortgage Loans, between
Washington Mutual Mortgage Securities Corp. f/k/a PNC Mortgage Securities Corp.
and Federal Home Loan Bank Indianapolis (FHLB).

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR1, among WMMSC, Deutsche Bank National Trust
Co., et al.

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR2, among WMMSC, Deutsche Bank National Trust
Co., et al.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 01/01/05, Residential
Mortgage Loans, Series 2005-WH1, between WMMSC and DB Structured Products, Inc.

POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-1, among Credit Suisse First Boston Mortgage
Securities Corp.("CSFBMSC"), WMMSC, US Bank National Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS WARBURG
REAL ESTATE SECURITIES INC ("UBS") AND ASSIGNED PURSUANT TO AN ASSIGNMENT,
ASSUMPTION AND RECOGNITION AGREEMENT DATED AS OF 1/28/2005 AMONG UBS, WMMSC AND
MORTGAGE ASSET SECURITZATION TRANSACTIONS, INC. ("MAST") WITH RESPECT TO THAT
CERTAIN POOLING AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through
Certificate, Series UBS MALT 2005-1, among MAST, US Bank National Association,
et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 1/28/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 01/01/05, Mortgage Pass-Through Certificate,
Series UBS MARM 2005-1, among MAST, US Bank National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 01/28/05, Mortgage Pass-Through
Certificate, Series BAFC 2005-1, among Bank of America Funding Corporation,
WMMSC, Wachovia Bank, NA, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated
01/31/05, Residential Mortgage Loans, Series 2005-WH2, between UBS Real Estate
Securities, Inc., WMMSC and Wachovia Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR3, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-2, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 2/25/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 02/01/05, Mortgage Pass- Through Certificate,
Series UBS MALT 2005-2, among MAST, JP Morgan Chase, et al.


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SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 02/01/05, Residential Mortgage Loans, Series CSFB FLOW, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 9/1/2004, WITH RESPECT TO THE MEMORANDUM OF SALE,
dated 02/01/05, Residential Mortgage Loans, Series CSFB FLOW-20, between WMMSC
and DLJ Mortgage Capital, Inc.

POOLING AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR4, among WMMSC, Deutsche Bank National Trust
Co., et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 3/30/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through Certificate,
Series UBS MALT 2005-3, among MAST, US Bank National Association, et al.

SERVICING AGREEMENT DATED 1/01/2005, BETWEEN DB STRUCTURED PRODUCTS, INC
("DB") AND WMMSC AS ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT DATED 3/30/2005 AMONG DB, WMMSC AND ACE SECURITIES
CORP., WITH RESPECT TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated
03/01/05, Asset Backed Pass-Through Certificate, Series ACE 2005-SN1, among Ace
Securities Corp, HSBC Bank-USA, National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-3, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 8/1/2002, AS AMENDED, BETWEEN WMMSC AND UBS AND
ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT DATED
AS OF 3/30/2005 AMONG UBS, WMMSC AND MAST WITH RESPECT TO THAT CERTAIN POOLING
AND SERVICING AGREEMENT, dated 03/01/05, Mortgage Pass-Through Certificate,
Series UBS MSSTR 2005-1, among MAST, US Bank National Association, et al.

SERVICING AGREEMENT DATED 4/1/2004, BETWEEN WMMSC AND BAYVIEW FINANCIAL, L.P.
("BAYVIEW") SUCCESSOR BY ASSIGNMENT TO EMC MORTGAGE CORPORATION AND MORTGAGE
LOAN PURCHASE AND SERVICING AGREEMENT DATED 12/1/2004 BETWEEN WMMSC AND BAYVIEW,
BOTH ASSIGNED PURSUANT TO A RECONSTITUTED SERVICING AGREEMENT DATED 4/8/2005
AMONG BAYVIEW FINANCIAL, L.P., WMMSC AND WACHOVIA BANK, NATIONAL ASSOCIATION AS
TRUSTEE TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated 03/01/05,
Mortgage Pass-Through Certificate, Series BAYVIEW 2005-B, among Bayview
Financial Securities Company, LLC, Wachovia Bank, NA, et al.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT, dated 04/19/05, Residential Mortgage Loans, Series 2005-WH6, among
Bank of America, National Association, WMMSC and Lehmann Brothers Bank, FSB.


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SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND RECOGNITION
AGREEMENT, dated 04/19/05, Residential Mortgage Loans, Series 2005-WH12, among
Bank of America, National Association, WMMSC and Lehmann Brothers Bank, FSB.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 04/01/05, Residential
Mortgage Loans, Series 2005-WH8, between WMMSC and Bayview Financial, LP.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR5, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMU 2005-AR6, among WMMSC, Deutsche Bank National Trust
Co., et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series WAMMS 2005-RA1, among WMMSC, LaSalle Bank, NA, et al.

POOLING AND SERVICING AGREEMENT, dated 04/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-4, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/02/05, Residential Mortgage Loans, Series
2005-WH7, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/02/05, Residential Mortgage Loans, Series
2005-WH13, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/18/05, Residential Mortgage Loans, Series
2005-WH16, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and E*Trade Bank.

SERVICING AGREEEMENT DATED 4/1/2004 WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 05/25/05, Residential Mortgage Loans, Series 2005-WH5, between WMMSC
and PNC Bank, NA.


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SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 05/25/05, Residential Mortgage Loans, Series CSFB CALLED FLOW,
between WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/27/05, Residential Mortgage Loans, Series
2005-WH9, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENTS DATED 1/1/2004 AND 10/1/2004, BETWEEN WMMSC AND BANK OF
AMERICA, NATIONAL ASSOCIATION SUCCESSOR BY ASSIGNMENT TO DLJ MORTGAGE CAPITAL,
INC., AS AMENDED PURSUANT TO THAT CERTAIN GLOBAL AMENDMENT DATED 7/28/2004, AND
AS ULTIMATELY ASSIGNED PURSUANT TO THAT CERTAIN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT, dated 05/27/05, Residential Mortgage Loans, Series
2005-WH14, among Lehman Capital, a division of Lehman Brothers Holdings, Inc,
WMMSC and Hudson City Savings Bank.

SERVICING AGREEMENT, dated 05/01/05, Residential Mortgage Loans, Series
2005-WH15, between WMMSC and JP Morgan Mortgage Acquisition Corp.

POOLING AND SERVICING AGREEMENT, dated 05/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-5, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 06/28/05, Residential Mortgage Loans, Series 2005-WH18, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 1/01/2005, BETWEEN DB STRUCTURED PRODUCTS, INC
("DB") AND WMMSC AS ASSIGNED PURSUANT TO AN ASSIGNMENT, ASSUMPTION AND
RECOGNITION AGREEMENT DATED 6/29/2005 AMONG DB, WMMSC AND ACE SECURITIES
CORP., WITH RESPECT TO THAT CERTAIN POOLING AND SERVICING AGREEMENT, dated
06/01/05, Asset Backed Pass-Through Certificate, Series ACE 2005-SD2, among Ace
Securities Corp, HSBC Bank-USA, National Association, et al.

POOLING AND SERVICING AGREEMENT, dated 06/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-6, among CSFBMSC, WMMSC, US Bank National
Association, et al.

MORTGAGE LOAN PURCHASE AND INTERIM SERVICING AGREEMENT DATED 11/1/2004, WITH
RESPECT TO THAT CERTAIN ASSIGNMENT AND CONVEYANCE AGREEMENT, dated 07/28/05,
Residential Mortgage Loans, Series 2005-WH19, between WMMSC and DLJ Mortgage
Capital, Inc.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 07/28/05, Residential Mortgage Loans, Series 2005-WH2O, between
WMMSC and DLJ Mortgage Capital, Inc.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT, dated 08/01/05, Residential
Mortgage Loans, Series 2005-WH25, between WMMSC and Bayview Financial, LP.


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SERVICING AGREEMENT, dated 08/01/05, Residential Mortgage Loans, Series
2005-WH24, between WMMSC and Merrill Lynch Bank & Trust.

MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT DATED 4/1/2005, BETWEEN WMMSC AND
BAYVIEW FINANCIAL, L.P., AND ASSIGNED PURSUANT TO A RECONSTITUTED SERVICING
AGREEEMENT DATED 8/31/2005 AMONG BAYVIEW FINANCIAL, L.P., WMMSC AND WACHOVIA
BANK, NATIONAL ASSOCIATION AS TRUSTEE WITH RESPECT TO THAT CERTAIN POOLING AND
SERVICING AGREEMENT, dated 08/01/05, Mortgage Pass-Through Certificate, Series
BAYVIEW 2005-C, among Bayview Financial Securities Company, LLC, Wachovia Bank,
NA, et al.

POOLING AND SERVICING AGREEMENT, dated 08/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-8, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEEMENT DATED 4/1/2004 WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 09/23/05, Residential Mortgage Loans, Series 2005-WH26, between
WMMSC and PNC Bank, NA.

POOLING AND SERVICING AGREEMENT, dated 09/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-9, among CSFBMSC, WMMSC, US Bank National
Association, et al.

POOLING AND SERVICING AGREEMENT, dated 10/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-10, among CSFBMSC, WMMSC, US Bank National
Association, et al.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 11/28/05, Residential Mortgage Loans, Series 2005-WH32, between
WMMSC and DLJ Mortgage Capital, Inc.

SERVICING AGREEMENT DATED 4/1/2001, WITH RESPECT TO THAT CERTAIN MEMORANDUM OF
SALE, dated 11/28/05, Residential Mortgage Loans, Series 2005-WH33, between
WMMSC and DLJ Mortgage Capital, Inc.

POOLING AND SERVICING AGREEMENT, dated 11/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-11, among CSFBMSC, WMMSC, US Bank National
Association, et al.

POOLING AND SERVICING AGREEMENT, dated 12/01/05, Mortgage Pass-Through
Certificate, Series CSFB 2005-12, among CSFBMSC, WMMSC, US Bank National
Association, et al.

ADMINISTRATIVE AGENT AGREEMENT, dated 02/01/05, between WMMSC and Washington
Mutual Bank with respect to WMALT 2005-1, WMALT 2005-2, WMALT 2005-3, WMALT
2005-4, WMALT 2005-5, WMALT 2005-6, WMALT 2005-7, WMALT 2005-8, WMALT 2005-9,
WMALT 2005-10, WMALT 2005-ARI, WMALT 2005-11, WAMU 2005-AR7, WAMU 2005-AR8, WAMU
2005-AR9, WAMU 2005-AR10, WAMU 2005-AR11, WAMU 2005-AR12, WAMU 2005-AR13, WAMU
2005-AR14, WAMU 2005-AR15, WAMU 2005-AR16, WAMU 2005-AR17, WAMU 2005- AR18, and
WAMU 2005-AR19.

ADMINISTRATIVE AGENT AGREEMENT, dated 01/01/05, between WMMSC and Long Beach
Mortgage Company with respect to LBMLT 2005-2, LBMLT 2005-3, LBMLT 2005-WL1,
LBMLT 2005-WL2, LBMLT 2005-WL3 and WLS LB_0515.


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WASHINGTON MUTUAL MORTGAGE SECURITIES CORP.

APPENDIX II: MINIMUM SERVICING STANDARDS

I. RECONCILIATIONS

 A. Reconciliations shall be prepared on a monthly basis for all clearing
    accounts. These reconciliations shall:

    1) Be mathematically accurate

    2) Be prepared within forty-five (45) calendar days after each clearing
       account's statement cutoff date

    3) Be reviewed and approved by someone other than the person who prepared
       the reconciliation, and document explanations for reconciling items

 B. Reconciling items shall be resolved within ninety (90) calendar days of
    their original identification.

II. SUBSERVICER REMITTANCES

 A. Remittances for mortgage payments and payoffs received from subservicers
    shall be deposited into the applicable clearing account within one business
    day of receipt.

 B. Remittances from subservicers shall be reconciled to applicable loan records
    maintained by Washington Mutual Mortgage Securities Corp. ("WMMSC") during
    the appropriate accounting cycle.

 C. Reconciliations shall be performed monthly for each subservicer remittance.
    These reconciliations shall:

    1) Be mathematically accurate.

    2) Be prepared within thirty (30) calendar days after the cutoff date.

III. DISBURSEMENTS

 A. Disbursements to trustees, paying agents, and investors shall be made in
    accordance with the applicable pooling and servicing agreements and/or the
    prospectus indicating how cash flows are to be allocated.

 B. Disbursements from the clearing accounts for amounts remitted to trustees,
    paying agents, and investors, per our monthly reports to those entities,
    shall agree with the bank statements for the clearing accounts.

 C. Only permitted withdrawals shall be made from the clearing accounts.

 D. Disbursements to trustees, paying agents, and investors from clearing
    accounts, made via wire transfer, shall be made only by authorized
    personnel.


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(page)


IV. INVESTOR ACCOUNTING AND REPORTING

Statements to the trustees, paying agents, and investors shall be provided with
each monthly distribution, in accordance with applicable pooling and servicing
agreements, detailing the applicable distribution activity and effect on the
unpaid principal balance of the mortgage loans.

V. MORTGAGOR LOAN ACCOUNTING

Loan records maintained by WMMSC shall agree with, or reconcile within material
amounts to, the mortgage loan records maintained by the subservicer with respect
to unpaid principal balance on a monthly basis.

VI. DELINQUENCIES

Reports from subservicers identifying delinquent loans shall be received and
reviewed monthly. The number and aggregate principal balances of delinquent
mortgage loans contained in these reports shall be included in our monthly
statements to the trustees, paying agents, and investors.

VII. INSURANCE POLICIES

A fidelity bond and an errors and omissions policy shall be in effect on the
servicing entity throughout the reporting period in the amount of coverage
represented in management's assertion.


-39-





  EX-99.2 (j)
(logo) WELLS  HOME
       FARGO  MORTGAGE

1 Home Campus
Des Moines, IA 50328


Assertion of Management of Wells Fargo Home Mortgage, a division of Wells Fargo
Bank, N.A.



As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage, a
division of Wells Fargo Bank, 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.

As of and for this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and $20
million, respectively.



/s/ Michael J. Heid                 February 21, 2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Franklin R. Codel               February 21, 2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Mary Coffin                     February 21, 2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Cara K. Heiden
Cara K. Heiden, division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.





  EX-99.3 (a)
(logo) DOWNEY SAVINGS
downeysavings.com


Officer' s Certificate

The undersigned Officer certifies the following for the 2005 fiscal year:

1. I have reviewed the activities and performance of the Servicer during the
   preceding fiscal year under the term of the Servicing Agreement, Trust
   Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and
   to the best of these Officers' knowledge, the Servicer has fulfilled all of
   its duties, responsibilities or obligations under these Agreements throughout
   such year, or if there has been a default or failure of the servicer to
   perform any of such duties, responsibilities or obligations, a description of
   each default or failure and the nature and status thereof has been reported
   to Downey Savings and Loan Association, F.A.;

2. I have confirmed that the Servicer is currently an approved FNMA or FHLMC
   servicer in good standing;

3. I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
   coverage and any other bonds required under the terms of the Servicing
   Agreement, Trust Agreement, Pooling and Servicing Agreement and/or
   Seller/Servicer Guide are in full force and effect;

4. All premiums for each Hazard Insurance Policy, Flood Insurance Policy (if
   applicable) and Private Mortgage Insurance (if applicable), with respect to
   each mortgaged property, have been paid and that all such insurance policies
   are in full force and effect;

5. 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 mortgaged property, have been paid, or if any such costs or expenses have
   not been paid with respect to any mortgaged property, the reason for the
   non-payment has been reported to Downey Savings and Loan Association, F.A.;

6. Monthly payment adjustments for adjustable rate mortgage loans have been made
   according to the terms of the mortgage documents;

7. Escrow analysis has been performed in accordance with RESPA to ensue
   sufficient moneys are being collected in escrow for the current year;

8. All Custodial Accounts have been reconciled timely and are property funded;
   and

9. 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/ John Gatzke


Executive Vice President

3-10-06
Date




(logo)
EQUAL HOUSING
LENDER

Downey Savings and Loan Association, F.A.
P.O. Box 6060 * Newport Beach, California 92658-6060 * (949) 854-3100
Express Mail Delivery: 3501 Jamboree Road * Newport Beach, California 92660-2980

(logo)FDIC
INSURED


  EX-99.3 (b)

(logo)EverHome
MORTGAGE COMPANY



Officer's Certification of Servicing
2005

The undersigned officer certifies to the best of his/her knowledge the following
for the 2005 fiscal year:


(a) I have reviewed the activities and performance of EverHome Mortgage Company
    during the preceding fiscal year under the terms of the Servicing Agreement,
    Trust Agreement, Polling and Servicing Agreement and/or Seller/Servicer
    Guide. To the best of this Officers' knowledge, we have fulfilled all of
    its duties, responsibilities or obligations under these Agreements
    throughout such year;

(b) I have confirmed that 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 Seller/
    Servicer Guide are in full force and effect;

(c) All Custodial Accounts have been reconciled and are properly funded.



/s/ Pam E. Rothenberg
Pam E. Rothenberg
Sr. Vice President
February 21, 2006




EverHome Mortgage Company, 8100 Nations Way, Jacksonville, FL 32256


  EX-99.3 (c)
(logo) GMAC Mortgage


February 28, 2006


WELLS FARGO BANK
SERVICER OVERSIGHT GROUP
9062 ANNAPOLIS ROAD
COLUMBIA, MD 21045



Re: Annual Officers Statement of Compliance
Year Ending 2005
Wells Fargo Bank / Master Servicer



GMAC Mortgage Corporation ("GMACM") hereby certifies to the best of our
knowledge and belief for the deals noted on the attached Exhibit A, that for the
calendar year 2005:


1. A review of the activities of the Seller/Servicer and of performance
according to the Seller/Servicer contract has been made under such Officer's
supervision.
2. To the best of the undersigned Officer's knowledge, and based on
such review, the Seller/Servicer has fulfilled all its obligations under this
Agreement for such year.
3. GMACM is currently an approved FNMA and FHLMC Servicer in good standing.
4. If applicable, GMACM has filed the information returns with respect to the
receipt of mortgage interest pursuant to Sections 6050H, 6050J and 6050P of the
Code, received in a trade or business, reports of foreclosures and abandonment's
of any Mortgaged Property and the information returns relating to cancellation
of indebtedness income with respect to any Mortgaged Property.
5. All hazard, flood, FHA mortgage insurance and primary mortgage insurance
premiums, taxes, ground rents, assessments and other lienable items have been
paid in connection with the mortgaged properties.
6. All property inspections have been completed as required.
7. Compliance relative to Adjustable Rate Mortgages has been met.
8. Fidelity Bond and Errors and Omissions Insurance coverage is current, in full
force and effect.




Servicer: GMAC Mortgage Corporation

By:/s/Michael Kacergis

Name: Michael Kacergis

Title: Manager
Enterprise Risk Management
Enterprise Servicing Group Risk and Compliance


GMAC Mortgage Corporation
500 Enterprise Road
Horsham, PA 19044



(page)


Exhibit A

ARM05011        HBV05006        MAL05005        MSS05002
BSA05AC3        HBV05007        MAL05006        MST05001
BSA05AC5        HBV05011        MAM05001        MST05002
BSA05AC7        HBV05015        MAM05001        NACO5AP1
BSLO5002        MAB05AB1        MAM05002        NACO5AP2
BSLO5003        MAL05001        MAM05003        NACO5AP3
BSLO5004        MAL05001        MAM05006        NACO5AR3
BSLO5005        MAL05002        MAM05006        NACO5AR4
BST05011        MAL05002        MAM05007        NACO5AR5
CSF05003        MAL05003        MAM05008        NACO5AR6
CSF05004        MAL05003        MAM05008        NACO5SO2
GSAA05009       MAL05004        MSM05008SL      NACO5SO3
GSP05AR3        MAL05004        MSM059AR        NACO5SO4
GSP05AR7        MAL05005        MSS05001        PRM05004
HBV05004                                        SAM05AR1






  EX-99.3 (d)


PO Box 84013
Columbus GA 31908-4013
Tel. 800.784.5566


(logo) GreenPoint Mortgage


February 27, 2006



Wells Fargo Bank, National Association
Master Servicer
Client Manager MARM 2005-1
9062 Old Annapolis Road
Columbia, MD 21045

Re: Annual Statement of Compliance for the Servicing Agreement by GreenPoint
Mortgage Funding, Inc., as Servicer


Ladies and Gentlemen:


     Pursuant to the Servicing Agreement with respect to the above-referenced
offering, the undersigned officer of GreenPoint Mortgage Funding, Inc. (as
"Servicer") hereby certifies as to the following (capitalized terms have
the meanings used in the Servicing Agreement):

1.   A review of the activities of the Servicer and its performance under the
Servicing Agreement during the preceding fiscal year since the inception of the
trust has been made under the direct supervision of the undersigned officer; and

2.   To the best knowledge of the undersigned officer, based on such review, the
Servicer has fulfilled all of its material obligations under the Servicing
Agreement throughout the applicable period, and there has been no known default
in the fulfillment of the Servicer's material obligations throughout such
period, except as follows:
     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.

Very truly yours,

GREENPOINT MORTGAGE
FUNDING, INC., as Servicer

By:/s/ Michael De Francesco
Name: Michael De Francesco
Title: Senior Vice President
Loan Administration


Aviso Importante Para Las Personas Habla Espanol
Si usted no entiendo el contenido de esta carta por favor obtenga una traduccion
immediamente

2300 Brookstone Centre Pkwy Columbus GA 31904
www.greenpointservice.com





  EX-99.3 (e)
(logo) National City Mortgage

National City Mortgage Co.
3232 Newmark Drive
Miamisburg, Ohio 45342
Telephone (937)910-1200

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


Exhibit "A"


Wells Fargo Bank, N.A.
9062 Old Annapolis Rd.
Columbia, MD 21045
Attention: Master Servicing

RE: Officer's Certificate

Dear Master Servicer:

The undersigned Officer certifies the following for the 2005 fiscal year:

(A) I have reviewed the activities and performance of the Servicer during the
preceding fiscal year under the terms of the Servicing Agreement, Trust
Agreement, Pooling and Servicing Agreement and/or Seller/Servicer Guide and to
the best of these Officers' knowledge, the Servicer has fulfilled all of its
duties, responsibilities or obligations under these Agreements throughout such
year, or if there has been a default or failure of the servicer to perform any
of 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, N.A.;

(B) I have confirmed that the Servicer is currently an approved FNMA or FHLMC
servicer in good standing;

(C) I have confirmed that 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 Seller/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 all 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
Mortgaged Property, have been paid, or if any such costs or expenses have not
been paid with respect to any Mortgaged Property, the reason for the non-payment
has been reported to Wells Fargo Bank, N.A.;

(F) All Custodial Accounts have been reconciled and are properly funded; and

(G) All annual reports of Foreclosure and Abandonment of Mortgage Property
required per section 6050H, 6050J and 6050P of the Internal Revenue Code,
respectively, have been prepared and filed.




Certified By:
/s/ T. Jackson Case Jr.



Executive VP
Title

March 2, 2006
Date





  EX-99.3 (f)
CERTIFICATION TO BE PROVIDED BY THE SERVICER

I, Jerry L. Halbrook, certify to Wells Fargo Bank, MN, NA, and its officers,
directors, agents and affiliates, and with the knowledge and intent that they
will rely upon this certification, that:

1.   A review of the activities of the Servicer during the preceding fiscal year
and of the Servicer's performance under the terms of the applicable Servicing
Agreement(s) by and between Servicer and the Purchasers of the Loans from
Servicer included in the deals listed on Exhibit A to this certificate, with
respect to such Loans has been made under my supervision;

2.   To the best of my knowledge and based upon the review required by the
applicable Servicing Agreements, and except as disclosed in the Annual Statement
of Compliance, the Independent Accountant's Report and all servicing reports,
officer's certificates and other information relating to the servicing of the
Mortgage Loans submitted to Wells Fargo Bank, MN, NA, the Servicer has, as of
the date of this certification, fulfilled its obligations under the applicable
Servicing Agreements;

3.   I have confirmed that the Servicer is an approved FNMA servicer in good
standing;

4.   I have confirmed that the Fidelity Bond, the Errors and Omissions Insurance
Policy and any other bonds required under the terms of the Servicing Agreement
are in full force and effect;

5.   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 all such insurance policies
are in full force and effect;

6.   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
Mortgaged Property, have been paid, or if any such costs or expenses have not
been paid with respect to any Mortgaged Property, the reason for the non-payment
has been reported to Wells Fargo Bank, N.A.;

7.   All Custodial Accounts have been reconciled and are properly funded; and

(PAGE)

8.   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.

IN WITNESS WHEREOF, the undersigned has caused this Officer's Certificate to be
duly executed as of December 31, 2005.


NEXSTAR FINANCIAL CORPORATION


Date: March 15, 2006

By: /s/ Jerry L. Halbrook
Name: Jerry L. Halbrook
Title: Chief Operating Officer

(PAGE)

Exhibit A


Nexstar Financial

BASB04-AC5
CSFB03-27
BSAB02-AC4
BSRT2003-1
PRM2004-1
MABS 2005-AB1
MAL 2005-2
MAL 2005-4
MAL 2005-5
MARM 2005-1
MARM 2005-3
MARM 2005-8
MASTR 2005-1
MASTR 2005-2
MSSTR 2005-1
MAL 2005-3
MARM 2005-2
MARM 2005-6
CSFB 2005-1
CSFB 2005-2





  EX-99.3 (g)
PHH Mortgage

4001 Leadenhall Road
Mt. Laurel, NJ 08054


(logo)PHH

February 28, 2006

WELLS FARGO BANK
Compliance Department
9062 Old Annapolis Rd.
Columbia, MD 21045-1951


RE: Annual Statement as to Compliance

Investor number: 923-050 Deal name (if applicable): MARM 2005-1


Dear Investor, Master Servicer or Trustee,

The undersigned officer certifies the following for PHH Mortgage Corp. f/k/a
Cendant Mortgage Corp., for the 2005 calendar year.  To the best of our
knowledge:

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;
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;
f) All Custodial Accounts have been reconciled and are properly funded; and
g) 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 Webb
Jack Webb
Assistant Vice President

Date: February 28, 2006





  EX-99.3 (h)
SERVICER CERTIFICATION


March 10, 2006

Re: Transactions identified on Exhibit A hereto

I, Kendal A. Leeson, a duly elected and acting officer of Wachovia Mortgage
Corporation (the "Servicer"), certify pursuant to Section 11 of the Mortgage
Loan Purchase and Servicing Agreement (as modified by the applicable Assignment,
Assumption and Recognition Agreement related to the transactions listed on
Exhibit A hereto, the "Agreement"), dated as of July 1, 2004, by and between UBS
Real Estate Securities Inc. and the Servicer, with respect to the calendar year
immediately preceding the date of this Certificate, as follows:

1. A review of the activities of the Company during the preceding calendar year
and of performance under this Agreement has been made under my supervision; and

2. To the best of my knowledge, based on such review, the Company has fulfilled
all of its obligations under this Agreement throughout such year, or, if there
has been a default in the fulfillment of any such obligation, specifying each
such default known to me and the nature and status thereof.


[Signature Page Follows]


(page)


WACHOVIA MORTGAGE CORPORATION,
as Servicer


By: /s/ Kendal A. Leeson
Name: Kendal A. Leeson
Title: Vice President
Date: March 10, 2006


-2-


(page)


Exhibit A - Covered Transactions

Transactions            Agreements

MARM 2005-1             Assignment, Assumption and Recognition
                        Agreement, dated as of January 29, 2005,
                        among UBS Real Estate Securities Inc. (the
                        "Assignor"), Mortgage Asset Securitization
                        Transactions, Inc. (the "Assignee") and
                        Wachovia Mortgage Corporation (the
                        "Servicer").
MARM 2005-2             Assignment, Assumption and Recognition
                        Agreement, dated as of February 25, 2005,
                        among the Assignor, the Assignee and the
                        Servicer.
MARM 2005-3             Assignment, Assumption and Recognition
                        Agreement, dated as of June 29, 2005, among
                        the Assignor, the Assignee and the Servicer.


-3-





  EX-99.3 (i)
(logo) Washington Mutual
       Mortgage Securities Corp.




March 17, 2006



Wells Fargo Bank Minnesota, N.A.
9062 Old Annapolis Road
Columbia, MD 21045

Attn: Servicer Oversight Group

Dear Master Servicer:

The undersigned Officers certify the following for the 2005 fiscal year:

(i)  A review of the activities of the Servicer during the preceding fiscal year
     and of the Servicer's performance of the Servicer under the terms of the
     Servicing Agreement with respect to such Loans has been made under the
     supervision of the officer who signed such Officer's Certificate;
(ii) To the best of such officer's knowledge, based on such review, the Servicer
     has fulfilled all its obligations under this Agreement throughout such
     year, or if there has been a default in the fulfillment of any such
     obligation, such Officer's Certificate shall specify each such default
     known to such signer and the nature and status thereof and what action the
     Servicer proposes to take with respect thereto.


Certified by:

/s/ Barbara A. Campbell
Barbara A. Campbell
First Vice President

/s/ Vanessa Danner
Vanessa Danner
Vice President





75 North Fairway Drive
Vernon Hills, IL 60061
(logo) EQUAL HOUSING
       LENDER


 EX-99.3 (j)

(logo) WELLS  HOME
       FARGO  MORTGAGE


Wells Fargo Home Mortgage
One Home Campus
Des Moines, IA 50328-0001


February 24, 2006


Re: 2005 Annual Certification

We hereby certify to the best of our knowledge and belief that for the calendar
year of 2005:

  1. All real estate taxes, bonds assessments and other lienable items have been
  paid.

  2. All FHA mortgage insurance, private mortgage insurance premiums, and flood
  insurance have been paid (if applicable).

  3. Hazard insurance policies held by us meet the requirements as specified in
  the servicing agreement, or those of a normal prudent lender if not specified,
  and those premiums due have been paid.

  4. We have made all property inspections as required.

  5. Fidelity bond and Errors and Omissions insurance coverage currently exists.

  6. That the Officer signing this certificate has reviewed the activities and
  performance of the Servicer during the preceding fiscal year under the terms
  of the Servicing Agreement, Trust Agreement, Pooling and Servicing Agreement
  and/or Seller/Servicer Guide or similar agreements and to the best of this
  officer's knowledge, the Servicer has fulfilled all of its duties,
  responsibilities or obligations of such agreement throughout the year, or if
  there has been a default or failure of the servicer to perform any of such
  duties, responsibilities or obligations, a description of each default or
  failure and the nature and status thereof has been reported.

Sincerely,

/s/ John B. Brown
John B. Brown
Senior Vice President
Wells Fargo Home Mortgage


Wells Fargo Home Mortgage
is a division of Wells Fargo Bank, N.A.


  Ex-99.4

   Schedule of Year-To-Date Principal and Interest Distributions to
   Certificateholders


   <TABLE>

   Class                              Interest             Principal               Losses             Ending Balance
   
                       <c>                    <c>                  <c>                 <c>
   10-A-1                         5,378,274.01         10,111,948.95                 0.00             110,845,051.03
   1-A-1                          1,386,524.92         29,650,999.19                 0.00              23,460,000.81
   1-A-X                            809,061.85                  0.00                 0.00              23,460,000.81
   2-A-1                          3,177,453.96         23,940,731.12                 0.00              46,597,268.89
   3-A-1                          2,019,580.48         10,128,741.49                 0.00              35,443,258.53
   4-A-1                          7,546,102.26         40,382,898.49                 0.00             129,311,101.51
   5-A-1                          9,729,227.07         71,940,523.61                 0.00             164,119,476.38
   6-A-1                         10,223,184.26         40,985,142.24                 0.00             182,210,857.77
   7-A-1                          2,007,328.55         10,637,879.34                 0.00              37,362,120.65
   7-A-2                          7,928,947.73         42,019,623.42                 0.00             147,580,376.58
   7-A-3                            594,671.08          3,151,471.75                 0.00              11,068,528.24
   8-A-1                          2,996,774.86          9,270,949.85                 0.00              57,049,050.16
   8-A-2                            224,803.29            695,461.02                 0.00               4,279,538.97
   9-A-1                          1,504,432.11          5,720,239.98                 0.00              27,086,760.02
   A-LR                                   0.18                 50.00                 0.00                       0.00
   A-UR                                  16.19                 50.00                 0.00                       0.00
   B-1                            2,111,956.54            139,502.24                 0.00              43,969,497.76
   B-2                              923,995.94             61,033.23                 0.00              19,236,966.78
   B-3                              594,004.23             39,236.11                 0.00              12,366,763.91
   B-4                              561,014.64             37,057.03                 0.00              11,679,942.99
   B-5                              461,997.98             30,516.60                 0.00               9,618,483.39
   B-6                              297,027.26             19,619.71                 0.00               6,183,905.29
   P                                535,827.00                  0.00                 0.00                       0.01
   </TABLE>