Exhibit 99.2  -  Report of Management as to compliance with minimum
		 servicing standards for the year ended December 31, 2005


a)

[Aurora logo]



                  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 Aurora Loan Services LLC (the "Company"), 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 the Company's compliance with the specified minimum servicing standards as
of November 30, 2005 and for the year then ended. Based on this evaluation,
we assert that during the year ended November 30, 2005, the Company complied,
in all material respects, with the specified minimum servicing standards.

As of November 30, 2005 and for the year then ended, the Company had in
effect a fidelity bond in the amount of $110,000,000 and an errors and
omissions policy in the amount of $150,000,000.


                                       Very truly yours,



/s/ Rick Skogg
Rick Skogg
Co-Chief Operating Officer



/s/ Roy Browning
Roy Browning
Chief Financial Officer



/s/ William Napier
William Napier
Controller


February 17, 2006






[Aurora logo]

								     Exhibit A

             Specified Minimum Servicing Standards

I.   CUSTODIAL BANK ACCOUNTS

     1. Reconciliations shall be prepared on a monthly basis for all custodial
        bank accounts and related bank clearing accounts. These reconciliations
        shall:

        a. be mathematically accurate;

        b. be prepared within forty-five (45) calendar days after the cutoff
           date. The cutoff date is the date as of which a bank account is
           reconciled every month. It may, or may not, coincide with a
           prescribed investor reporting date but shall be consistent from
           period to period;

        c. be reviewed and approved by someone other than the person who
           prepared the reconciliation; and

        d. document explanations for reconciling items. These reconciling items
           shall be resolved within ninety (90) calendar days of their original
           identification.

     2. Funds of the servicing entity shall be advanced in cases where there is
        an overdraft in an investor's or a mortgagor's account.

     3. Each custodial account shall be maintained at a federally insured
        depository institution in trust for the applicable investor.

     4. Escrow funds held in trust for a mortgagor shall be returned to the
        mortgagor within thirty (30) calendar days of payoff of the mortgage
        loan.

II.   MORTGAGE PAYMENTS

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

      2. Mortgage payments made in accordance with the mortgagor's loan
         documents shall be posted to the applicable mortgagor records within
         two (2) business days of receipt.

      3. Mortgage payments shall be allocated to principal, interest, insurance,
         taxes or other escrow items in accordance with the mortgagor's loan
         documents.

      4. Mortgage payments identified as loan payoffs shall be allocated in
         accordance with the mortgagor's loan documents.



[Aurora logo]

								     Exhibit A

             Specified Minimum Servicing Standards (continued)

III.  DISBURSEMENTS

      1. Disbursements made via wire transfer on behalf of a mortgagor or
         investor shall be made only by authorized personnel.

      2. Disbursements made on behalf of a mortgagor or investor shall be posted
         within two (2) business days to the mortgagor's or investor's records
         maintained by the servicing entity.

      3. Tax and insurance payments shall be made on or before the penalty or
         insurance policy expiration dates, as indicated on tax bills and
         insurance premium notices, respectively, provided that such support has
         been received by the servicing entity at least thirty (30) calendar
         days prior to these dates.

      4. Any late payment penalties paid in conjunction with the payment of any
         tax bill or insurance premium notice shall be paid from the servicing
         entity's funds and not charged to the mortgagor, unless the late
         payment was due to the mortgagor's error or omission.

      5. Amounts remitted to investors per the servicer's investor reports shall
         agree with cancelled checks, or other form of payment, or custodial
         bank statements.

      6. Unissued checks shall be safeguarded so as to prevent unauthorized
         access.

IV.   INVESTOR ACCOUNTING AND REPORTING

      1. The servicing entity's investor reports shall agree with, or reconcile
         to, investors' records on a monthly basis as to the total unpaid
         principal balance and number of loans serviced by the servicing
         entity.

V.    MORTGAGOR LOAN ACCOUNTING

      1. The servicing entity's mortgage loan records shall agree with, or
         reconcile to, the records of mortgagors with respect to the unpaid
         principal balance on a monthly basis.

      2. Adjustments on adjustable rate mortgage (ARM) loans shall be computed
         based on the related mortgage note and any ARM rider.

      3. Escrow accounts shall be analyzed, in accordance with the mortgagor's
         loan documents, on at least an annual basis.

      4. Interest on escrow accounts shall be paid, or credited, to mortgagors
         in accordance with the applicable state laws.



[Aurora logo]

								     Exhibit A

             Specified Minimum Servicing Standards (continued)

VI.   DELINQUENCIES

      1. Records documenting collection efforts shall be maintained during the
         period a loan is in default and shall be updated at least monthly. Such
         records shall describe the entity's activities in monitoring delinquent
         loans including, for example, phone calls, letters and mortgage payment
         rescheduling plans in cases where the delinquency is deemed temporary
         (i.e., illness or unemployment).

VII.  INSURANCE POLiCIES

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


b)

[chase logo]

Exhibit I

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 13, 2006

As of and for the year ended December 31, 2005, Chase Home Finance LLC (the
"Company") has complied in all material respects with the minimum servicing
standards (the "Standards") set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").
These Standards are applicable only to the Company's prime and subprime
mortgage portfolios.

As of and for this same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $250,000,000 and $25,000,000
respectively.



/s/ Kim Greaves                                      /s/ Jim Miller
Kim Greaves                                          Jim Miller
Senior Vice President                                Senior Vice President
Chase Home Finance LLC                               Chase Home Finance LLC



/s/ Scott Powell
Scott Powell
CEO
Chase Home Finance LLC

c)

[Colonial Savings logo]


Management's Assertion Concerning Compliance with USAP Minimum Servicing
Standards


November 28, 2005


As of and for the year ended September 30, 2005, Colonial Savings, F.A.
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, Colonial Savings, F.A. had in effect a
fidelity bond and errors and omissions policy in the amount of $11,000,000.



/s/ Jim E. DuBose
Jim E. DuBose
President, Chief Executive Officer



/s/ Ben Dempsey
Ben Dempsey
Executive Vice President





2626A West Freeway, Fort Worth, Texas 76102 Office: 837-390-2000
www.colonialsavings.com


d)


                                         [Countrywide logo]

                                         2900 MADERA ROAD
                                         SIMI VALLEY, CALIFORNIA 93065-6298
                                         (805) 955-1000

			Management's Assertion


March 3, 2005


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 Bankers.  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 Bailey
Steve Bailey
Senior Managing Director and
Chief Executive Officer, Loan Administration



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

e)

[Fifth Third Bank logo]


Management's Assertion


As of and for the year ended December 31, 2005, Fifth Third Mortgage
Company (the "Company") has complied in all material respects with the
Company's established minimum servicing standards for residential
mortgage loans 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
$75,000,000 and errors and omissions policy in the amount of
$5,000,000.



/s/ Bruce Hrovat
Bruce Hrovat
Senior Vice President

/s/ Charles Maness
Charles Maness
Vice President


March 9, 2006





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; and
       -     document explanations for reconciling items.  These
             reconciling items shall be resolved within ninety (90)
             calendar days of their original identification.

2.    Funds of 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 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 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.

4.    Any late payment penalties paid in conjunction with the payment of any
      tax bill ot 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 the mortgagor with respect to the unpaid
      principal balance on a monthly basis.

2.    Adjustments on ARM loans shall be computed based on the related
      contract terms 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 mortgagor's
      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 contracts including, for example, phone calls,
      letters and 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.


f)

GMAC Mortgage [logo]




		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


g)


	        [Hemisphere National Bank logo]






As of and for the year ended December 3l, 2005, Hemisphere National Bank 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,
Hemisphere National Bank had in effect a fidelity bond and errors and
omissions policy in the amount of $ Three million dollars.





/s/ Danial Schwartz		/s/ Marilyn Barnes
Daniel Schwartz,		Marilyn Barnes,
President and COO		Managing Director


March 3,2006

h)

[chase logo]

Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards

March 13, 2006

As of and for the year ended December 31, 2005, JPMorgan Chase Bank, National
Association (the "Company") has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP")
solely as they relate to standard VII, Insurance Policies (the "Applicable
Standard"). The Company uses subservicing organizations to perform the
servicing obligations subject to minimum servicing standards I-VI of USAP.

As of and for the same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $250,000,000 and $25,000,000
respectively.

Attached to this Management Assertion are the independent auditors' reports on
the subservcing organizations' compliance with the minimum servicing standards
related to the servicing obligations performed.



/s/ Kim Greaves					/s/ Jim Miller
Kim Greaves                                     Jim Miller
Vice President					Vice President
JPMorgan Chase Bank, N.A.			JPMorgan Chase Bank, N.A.



/s/ Scott Powell
Scott Powell
Senior Vice President
JPMorgan Chase Bank, N.A.

i)


								  [Midwest
					        LOAN SERVICES INC. logo]
					    616 Shelden Avenue, Suite 300
				       			     P.O. Box 144
					          Houghton, MI 49931-0144
						    phone: (906) 487-5870
						      fax: (906) 487-5869
						   e-mail: mlsloan@up.net
					 	 web: www.subservicer.com

February 22,2006


		Management's Assertion on Compliance
	With the Specified Minimum Servicing Standards Set Forth
      In the Uniform Single Attestation Program for Mortgage Bankers

We, as members of management of Midwest Loan Services, Inc. are responsible
for complying with the servicing standards identified in the attached
Exhibit A. These standards are set forth in the Mortgage Bankers Association
of America's Uniform Single Attestation Program for Morgage 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 the Company'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, the Company complied, in all material respects,
with the specified minimum servicing standards.

As of December 31, 2005 and for the year then ended, the Company had in
effect a fidelity bond and an errors and omissions policy in the amount
of $3,000,000.





/s/ Edward Burger
Edward Burger, President



/s/ Stephen Ranzini
Stephen Ranzini, Chairman of the Board

----------------------------------------------------------------



								  [Midwest
					        LOAN SERVICES INC. logo]
					    616 Shelden Avenue, Suite 300
				       			     P.O. Box 144
					          Houghton, MI 49931-0144
						    phone: (906) 487-5870
						      fax: (906) 487-5869
						   e-mail: mlsloan@up.net
					 web: www.midwestloanservices.com


		    Specified Minimum Servicing Standards


I.	Custodial Bank Accounts

    1. Reconciliations shall he prepared on a monthly basis for all custodial
       bank accounts and related bank clearing accounts. These reconciliations
       shall:

	a. Be mathematically accurate:
	b. Be prepared within forty-five (45) calendars after the cutoff date.
	   The cutoff date is the date as of which a bank account is
	   reconciled every month. It may, or may not, coincide with a
  	   prescribed investor reporting date but shall be consistent from
	   period to period;
	c. Be reviewed and approved by someone other than the person who
 	   prepared the reconciliations: and
	d. Document explanations for reconciling items. These reconciling items
 	   shall be resolved within ninety (90) calendar days of their original
	   identification.

    2. Funds of the servicing entity shall be advanced in cases where there is
       an overdraft in an investor's or mortgagor's account.

    3. Each custodial account shall be maintained at a federally insured
       depository institution in trust for the applicable investor.

    4. Escrow funds held in trust for a mortgagor shall be returned to the
       mortgagor within thirty (30) calendar days of payoff of the mortgage
       loan.

II.	Mortgage Payments

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

    2. Mortgage payments made in accordance with the mortgagor's loan
       documents shall be posted to the applicable mortgagor records with
       two (2) business days of receipt.

    3. Mortgage payments shall be allocated to the principal, interest,
       insurance, taxes or other escrow items in accordance with the
       mortgagor's loan documents.

    4. Mortgage payments identified as loan payoff's 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 (2) business days to the mortgagor's or investor's
       	records maintained by the servicing entity.

    3. 	Tax and insurance payments shall be made on or before the penalty or
       	insurance policy expiration dates, as indicated on tax bills and
        insurance premium notices, respectively, provided that such support has
       	been received by the servicing entity at least thirty (30) calendar days
       	prior to these dates.

    4.  Any late payment penalties paid in conjunction with the payment of any
        tax bill or insurance premium notice shall be paid from the servicing
        entity's funds and not charged to the mortgagor, unless the late payment
        was due to the mortgagor's error or omission.

    5.  Amounts remitted to investors per the servicer's investor reports shall
        agree with the cancelled checks, or other form of payment, or custodial
        bank statements.

    6.  Unissued checks shall be safeguarded so as to prevent unauthorized
        access.

IV.	Investor Accounting and Reporting

    1.  The servicing entity's investor reports shall agree with, or reconcile
        to, investor's records on a monthly basis as to the total unpaid
        principal balance and number of loans serviced by the servicing entity.

V.	Mortgagor Loan Accounting

    1.  The servicing entity's mortgage loan records shall agree with, or
        reconcile to, the records of mortgagors with respect to the unpaid
        principal balance on a monthly basis.

    2.  Adjustments on adjustable rate mortgages (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 undated at least monthly.
        Such records shall describe the entity's activities in monitoring
        delinquent loans including, for example, phone calls, letters and
        mortgage payment rescheduling plans in cases where the delinquency is
        deemed temporary (i.e., illness or unemployment)

VII.	Insurance Policies

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



Signed,


/s/ Edward Burger
Edward Burger, President


Date:
	March 23rd, 2006

j)

[National City logo]	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 (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



Exhibit A

Specified Minimum Servicing Standards

I.	Custodial Bank Accounts

	1.	Reconciliations shall be prepared on a monthly basis for all
		custodial bank accounts and related bank clearing accounts.  These
		reconciliations shall:

		a.	be mathematically accurate;

		b.	be prepared within forty-five (45) calendar days after the
			cutoff date.  The cutoff date is the date as of which a bank
			account is reconciled every month.  It may, or may not,
			coincide with a prescribed investor reporting date but shall
			be consistent from period to period;

                c.      be reviewed and approved by someone other than the
                        person who prepared the reconciliation; and

		d.	document explanations for reconciling items.  These
			reconciling items shall be resolved within ninety (90)
			calendar days of their original identification.

	2.	Funds of the servicing entity shall be advanced in cases where
		there is an overdraft in an investor's or a mortgagor's account.

	3.	Each custodial account shall be maintained at a federally insured
		depository institution in trust for the applicable investor.

	4.	Escrow funds held in trust for a mortgagor shall be returned to the
		mortgagor within thirty (30) calendar days of payoff of the
		mortgage loan.

II.	Mortgage Payments

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

	2.	Mortgage payments made in accordance with the mortgagor's loan
		documents shall be posted to the applicable mortgagor records
		within two (2) business days of receipt.

	3.	Mortgage payments shall be allocated to principal, interest,
		insurance, taxes or other escrow items in accordance with the
		mortgagor's loan documents.

	4.	Mortgage payments identified as loan payoffs shall be allocated in
		accordance with the mortgagor's loan documents.


Exhibit A

Specified Minimum Servicing Standards (continued)

III.	Disbursements

	1.	Disbursements made via wire transfer on behalf of a mortgagor or
		investor shall be made only by authorized personnel.

	2.	Disbursements made on behalf of a mortgagor or investor shall be
		posted within two (2) business days to the mortgagor's or investor's
		records maintained by the servicing entity.

	3.	Tax and insurance payments shall be made on or before the penalty or
		insurance policy expiration dates, as indicated on tax bills and
		insurance premium notices, respectively, provided that such support
		has been received by the servicing entity at least thirty (30)
		calendar days prior to these dates.

	4.	Any late payments penalties paid in conjunction with the payment of
		any tax bill or insurance premium notice shall be paid from the
		servicing entity's funds and not charged to the mortgagor, unless
		the late payment was due to the mortgagor's error or omission.

	5.	Amounts remitted to investors per the servicer's investor reports
		shall agree with cancelled checks, or other form of payment, or
		custodial bank statements.

	6.	Unissued checks shall be safeguarded so as to prevent unauthorized
		access.

IV.	Investor Accounting and Reporting

	1.	The servicing entity's investor reports shall agree with, or
		reconcile to, investors' records on a monthly basis as to the total
		unpaid principal balance and number of loans serviced by the
		servicing entity.

V.	Mortgagor Loan Accounting

	1.	The servicing entity's mortgage loan records shall agree with, or
		reconcile to, the records of mortgagors with respect to the unpaid
		principal balance on a monthly basis.

	2.	Adjustments on adjustable rate mortgage (ARM) loans shall be
		computed based on the related mortgage note and any ARM rider.

	3.	Escrow accounts shall be analyzed, in accordance with the
		mortgagor's loan documents, on at least an annual basis.


Exhibit A

Specified Minimum Servicing Standards (continued)

V.	Mortgagor Loan Accounting (continued)

	4.	Interest on escrow accounts shall be paid, or credited, to
		mortgagors in accordance with the applicable state laws.

VI.	Delinquencies

	1.	Records documenting collection efforts shall be maintained during
		the period a loan is in default and shall be updated at least
		monthly.  Such records shall describe the entity's activities in
		monitoring delinquent loans including, for example, phone calls,
		letters and mortgage payments rescheduling plans in cases where the
		delinquency is deemed temporary (i.e., illness or unemployment).

VII.	Insurance Policies

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


k)

[SunTrust Mortgage logo]
                                                SunTrust Mortgage
                                                901 Semmes Avenue
                                                Richmond, Virginia 23224






                                                            Exhibit 1



                Management's Assertion Concerning Compliance
                   With USAP Minimum Servicing Standards


February 21,2006

As of and for the year ended December 31, 2005, SunTrust Mortgage, Inc. 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 SunTrust Banks,
Inc. and subsidiaries fidelity bond and errors and omission policy in the
amount of $150 million.




/s/ Sterling Edmunds, Jr.
Sterling Edmunds, Jr.
Chairman, Chief Executive Officer

/s/ Marvin L. Watts
Marvin L. Watts
Executive Vice President, Executive Servicing &
Operations Manager


/s/ John R. Purcell, Jr.
John R. Purcell, Jr.
Loan Servicing Manager

l)

[Wells Fargo Home Mortgage. logo]  		          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, NA.


/s/ Cara K. Heiden         				      February 21,2006
Cara K. Heiden, Division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.