[Letterhead of KPMG LLP]                Exhibit 99.2b




                         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



                                [Letterhead of GreenPoint Mortgage]



                                Management's Assertion


February 21, 2006


As of and for the year ended 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 America's 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 no aggregate limit of liability.

Very truly yours,

GreenPoint Mortgage Funding, Inc., as Servicer


/s/ Steve Abreu
---------------------------
Chief Executive Officer


/s/ Dave Petrini
---------------------------
Chief Financial Officer


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