Exhibit 99.2




[GRAPHIC OMITTED]      KPMG LLP                      Telephone      213 972 4000
                       Suite 2000                    Fax           213 622  1217
                       355 South Grand Avenue        Internet    www.us.kpmg.com
                       Los Angeles, CA 90071-1568


                        Independent Accountants' Report
                        -------------------------------

The Board of Directors
Countrywide Financial Corporation:

We have examined management's assertion, included in the accompanying Management
Assertion, that Countrywide Financial Corporation and subsidiaries, including
its wholly-owned subsidiary, Countrywide Home Loans, Inc, ("CHL"), and
Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL,
(collectively, 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 Countrywide Financial Corporation
and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans,
Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL, complied with the aforementioned minimum servicing standards
as of and for the year ended December 31, 2005 is fairly stated, in all material
respects.

[GRAPHIC OMITTED]

March 3, 2006







            KPMG LLPL, a US limited liability partnership, is the US
             member firm of KPMG International, a Swiss corporation


<PAGE>

                                         [GRAPHIC OMITTED] Countrywide
                                                  HOME LOANS

                                          2900 Madera Road
                                          Simi Valley, California 93065-6298
                                          (805) 955-1000

                              Management Assertion


March 3, 2006

As of and for the year ended December 31, 2005, Countrywide Financial
Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide
Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a
wholly-owned subsidiary of CHL, (collectively, 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 for
Mortgage Brokers. As of and for this same period, the Company had in effect a
mortgage bankers' (fidelity) bond in the amount of $200 million and an errors
and omissions policy in the amount of $100 million and $130 million for the
period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005
to December 31, 2005, respectively.


/s/ Steve Baily
--------------------------
Steve Baily
Senior Managing Director and
Chief Financial Officer, Loan Administration



/s/ Kevin Meyers
--------------------------
Kevin Meyers
Managing Director and Chief Financial Officer,
Loan Administration