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EXHIBIT 99.5

APPENDIX I for USAP MINIMUM SERVICING STANDARDS

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:

          o   be mathematically accurate;

          o   be prepared within forty-five (45) calendar days after the cutoff
              date;

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

          o   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 customer account.

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

PAYMENTS

1.   Payments shall be deposited into the custodial bank accounts and related
     bank clearing accounts within two business days of receipt.

2.   Payments made in accordance with the customer's loan documents shall be
     posted to the applicable customer records within two business days of
     receipt.

3.   Payments shall be allocated to principal, interest, insurance, taxes or
     other escrow items in accordance with the customers loan documents.

4.   Payments identified as payoffs shall be allocated in accordance with the
     customer's loan documents.

DISBURSEMENTS

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

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

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

4.   Unused checks shall be safeguarded so as to prevent unauthorized access.

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.

LOAN ACCOUNTING

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

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2.   Adustments on adjustable rate receivables shall be computed based on the
     related contract terms and any adjustable rate rider.


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 loan payment
     rescheduling plans in cases where the delinquency is deemed temporary
     (e.g., illness or unemployment).

 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.