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




a)

				[Countrywide HOME LOANS logo]

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

		   Management 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

b)


[INDYMAC BANK 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 IndyMac Bank, F.S.B. (the Bank), 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 Americas'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 mimimum servicing standards.  We have performed an evaluation
of the Bank'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 Bank complied, in
all material respects, with the specified minimum servicing standards.

As of December 31, 2005 and for the year then ended, the Bank had in effect a
fidelity bond in the amount of $90,000,000 and an errors and omissions policy
in the amount of $20,000,000.



/s/ Michael W. Perry				/s/ Tony Ebers
Michael W. Perry				Tony Ebers
Chairman and 					Executive Vice President and
Chief Executive Officer				CEO Indymac Consumer Bank



/s/ Scott Keys					/s/ J.K. Hoey
Scott Keys					J.K. Hoey
Executive Vice President and			Senior Vice President
Chief Financial Officer				Home Loan Servicing



February 21, 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.



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.

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


VI.  Delinquencies

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

VII. Insurance Policies

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