exv10w1



 






EXHIBIT 10.1




	 	 	 
	Contact:

	 	Customer Services — CTSLink
	 

	 	Wells Fargo Bank Minnesota, N.A.
	 

	 	Securities Administration Services
	 

	 	7485 New Horizon Way
	 

	 	Frederick, MD 21703
	 

	 	www.ctslink.com
	 

	 	Telephone: (301) 815-6600
	 

	 	Fax: (301) 315-6660






SMT SERIES 2004-12

Record Date: November 30, 2005

Distribution Date: December 20, 2005



Certificateholder Distribution Summary



	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	Certificate	 	 	Certificate	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	Class	 	 	Pass-Through	 	 	Beginning	 	 	Interest	 	 	Principal	 	 	Current	 	 	Ending Certificate	 	 	Total	 	 	Cumulative
	Class	 	 	CUSIP	 	 	Description	 	 	Rate	 	 	Certificate Balance	 	 	Distribution	 	 	Distribution	 	 	Realized Loss	 	 	Balance	 	 	Distribution	 	 	Realized Loss
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A-1
	 	 	81744FFY8	 	 	SEN	 	 	 	4.42938	%	 	 	 	255,697,877.01	 	 	 	 	943,819.22	 	 	 	 	20,036,200.73	 	 	 	 	0.00	 	 	 	 	235,661,676.28	 	 	 	 	20,980,019.95	 	 	 	 	0.00	 
	A-2
	 	 	81744FFZ5	 	 	SEN	 	 	 	3.93000	%	 	 	 	132,588,658.26	 	 	 	 	434,227.86	 	 	 	 	6,612,770.85	 	 	 	 	0.00	 	 	 	 	125,975,887.41	 	 	 	 	7,046,998.71	 	 	 	 	0.00	 
	A-3
	 	 	81744FGZ9	 	 	SEN	 	 	 	3.96000	%	 	 	 	120,409,214.10	 	 	 	 	397,350.41	 	 	 	 	9,519,509.88	 	 	 	 	0.00	 	 	 	 	110,889,704.22	 	 	 	 	9,916,860.29	 	 	 	 	0.00	 
	X-A1
	 	 	81744FGC5	 	 	IO	 	 	 	0.86199	%	 	 	 	0.00	 	 	 	 	278,915.34	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	278,915.34	 	 	 	 	0.00	 
	X-A2
	 	 	81744FGD3	 	 	IO	 	 	 	0.91946	%	 	 	 	0.00	 	 	 	 	92,259.21	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	92,259.21	 	 	 	 	0.00	 
	X-B
	 	 	81744FGF8	 	 	IO	 	 	 	0.25341	%	 	 	 	0.00	 	 	 	 	3,004.70	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	3,004.70	 	 	 	 	0.00	 
	B-1
	 	 	81744FGG6	 	 	SUB	 	 	 	4.65938	%	 	 	 	8,588,000.00	 	 	 	 	33,345.63	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	8,588,000.00	 	 	 	 	33,345.63	 	 	 	 	0.00	 
	B-2
	 	 	81744FGH4	 	 	SUB	 	 	 	5.00938	%	 	 	 	6,134,000.00	 	 	 	 	25,606.28	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	6,134,000.00	 	 	 	 	25,606.28	 	 	 	 	0.00	 
	B-3
	 	 	81744FGJ0	 	 	SUB	 	 	 	5.40938	%	 	 	 	3,680,000.00	 	 	 	 	16,588.77	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	3,680,000.00	 	 	 	 	16,588.77	 	 	 	 	0.00	 
	B-4
	 	 	81744FGK7	 	 	SUB	 	 	 	5.12197	%	 	 	 	2,453,000.00	 	 	 	 	10,470.16	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	2,453,000.00	 	 	 	 	10,470.16	 	 	 	 	0.00	 
	B-5
	 	 	81744FGK7	 	 	SUB	 	 	 	5.12197	%	 	 	 	920,000.00	 	 	 	 	3,926.84	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	920,000.00	 	 	 	 	3,926.84	 	 	 	 	0.00	 
	B-6
	 	 	81744FGL5	 	 	SUB	 	 	 	5.12197	%	 	 	 	2,762,778.00	 	 	 	 	11,792.38	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	2,762,778.00	 	 	 	 	11,792.38	 	 	 	 	0.00	 
	A-R
	 	 	81744FGE1	 	 	RES	 	 	 	4.92959	%	 	 	 	0.00	 	 	 	 	0.19	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.19	 	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Totals
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	533,233,527.37	 	 	 	 	2,251,306.99	 	 	 	 	36,168,481.46	 	 	 	 	0.00	 	 	 	 	497,065,045.91	 	 	 	 	38,419,788.45	 	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 




All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.




 









 







Principal Distribution Statement



	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	Beginning	 	 	Scheduled	 	Unscheduled	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	Original Face	 	 	Certificate	 	 	Principal	 	Principal	 	 	 	 	 	Realized	 	 	Total Principal	 	 	Ending Certificate	 	 	Ending Certificate	 	 	Total Principal
	Class	 	 	Amount	 	 	Balance	 	 	Distribution	 	Distribution	 	Accretion	 	Loss	 	 	Reduction	 	 	Balance	 	 	Percentage	 	 	Distribution
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A-1
	 	 	 	380,510,000.00	 	 	 	 	255,697,877.01	 	 	 	 	1,441.90	 	 	 	20,034,758.83	 	 	 	0.00	 	 	 	0.00	 	 	 	 	20,036,200.73	 	 	 	 	235,661,676.28	 	 	 	 	0.619331	 	 	 	 	20,036,200.73	 
	A-2
	 	 	 	208,392,000.00	 	 	 	 	132,588,658.26	 	 	 	 	436.94	 	 	 	6,612,333.91	 	 	 	0.00	 	 	 	0.00	 	 	 	 	6,612,770.85	 	 	 	 	125,975,887.41	 	 	 	 	0.604514	 	 	 	 	6,612,770.85	 
	A-3
	 	 	 	218,330,615.00	 	 	 	 	120,409,214.10	 	 	 	 	0.00	 	 	 	9,519,509.88	 	 	 	0.00	 	 	 	0.00	 	 	 	 	9,519,509.88	 	 	 	 	110,889,704.22	 	 	 	 	0.507898	 	 	 	 	9,519,509.88	 
	X-A1
	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.00	 
	X-A2
	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.00	 
	X-B
	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.00	 
	B-1
	 	 	 	8,588,000.00	 	 	 	 	8,588,000.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	8,588,000.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	B-2
	 	 	 	6,134,000.00	 	 	 	 	6,134,000.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	6,134,000.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	B-3
	 	 	 	3,680,000.00	 	 	 	 	3,680,000.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	3,680,000.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	B-4
	 	 	 	2,453,000.00	 	 	 	 	2,453,000.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	2,453,000.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	B-5
	 	 	 	920,000.00	 	 	 	 	920,000.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	920,000.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	B-6
	 	 	 	2,762,778.00	 	 	 	 	2,762,778.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	2,762,778.00	 	 	 	 	1.000000	 	 	 	 	0.00	 
	A-R
	 	 	 	100.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Totals
	 	 	 	831,770,493.00	 	 	 	 	533,233,527.37	 	 	 	 	1,878.84	 	 	 	36,166,602.62	 	 	 	0.00	 	 	 	0.00	 	 	 	 	36,168,481.46	 	 	 	 	497,065,045.91	 	 	 	 	0.597599	 	 	 	 	36,168,481.46	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 





Principal Distribution Factors Statement



	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	Beginning	 	 	Scheduled	 	Unscheduled	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ending	 	 	 
	 	 	 	Original Face	 	 	Certificate	 	 	Principal	 	Principal	 	 	 	 	 	Realized	 	 	Total Principal	 	 	Ending Certificate	 	 	Certificate	 	 	Total Principal
	Class	 	 	Amount	 	 	Balance	 	 	Distribution	 	Distribution	 	Accretion	 	Loss	 	 	Reduction	 	 	Balance	 	 	Percentage	 	 	Distribution
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A-1
	 	 	 	380,510,000.00	 	 	 	 	671.987272	 	 	 	 	0.003789	 	 	 	52.652385	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	52.656174	 	 	 	 	619.331098	 	 	 	 	52.656174	 
	A-2
	 	 	 	208,392,000.00	 	 	 	 	636.246393	 	 	 	 	0.002097	 	 	 	31.730268	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	31.732364	 	 	 	 	604.514028	 	 	 	 	31.732364	 
	A-3
	 	 	 	218,330,615.00	 	 	 	 	551.499450	 	 	 	 	0.000000	 	 	 	43.601351	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	43.601351	 	 	 	 	507.898099	 	 	 	 	46.601351	 
	X-A1
	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 
	X-A2
	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 
	X-B
	 	 	 	0.00	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 
	B-1
	 	 	 	8,588,000.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	B-2
	 	 	 	6,134,000.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	B-3
	 	 	 	3,680,000.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	B-4
	 	 	 	2,453,000.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	B-5
	 	 	 	920,000.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	B-6
	 	 	 	2,762,778.00	 	 	 	 	1000.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	1000.000000	 	 	 	 	1.000000	 	 	 	 	0.000000	 
	A-R
	 	 	 	100.00	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	 	0.000000	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 





 









 







Interest Distribution- Statement



	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Payment	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	of	 	 	 	 	 	 	 	Non-	 	 	 	 	 	 	 	Remaining	 	 	Ending
	 	 	 	 	 	 	 	 	 	Current	 	 	Beginning	 	 	Current	 	 	Unpaid	 	 	Current	 	 	Supported	 	 	 	 	 	 	 	Unpaid	 	 	Certificate/
	 	 	 	 	 	 	Accrual	 	 	Certificate	 	 	Certificate/	 	 	Accrued	 	 	Interest	 	 	Interest	 	 	Interest	 	 	Total Interest	 	 	Interest	 	 	Notational
	Class	 	 	Accural Dates	 	 	Days	 	 	Rate	 	 	Notional Balance	 	 	Interest	 	 	Shortfall	 	 	Shortfall	 	 	Shortfall(1)	 	 	Distribution	 	 	Shortfall(2)	 	 	Balance
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A-1
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	4.42938	%	 	 	 	255,697,877.01	 	 	 	 	943,819.22	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	943,819.22	 	 	 	 	0.00	 	 	 	 	235,661,676.28	 
	A-2
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	3.93000	%	 	 	 	132,588,658.26	 	 	 	 	434,227.86	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	434,227.86	 	 	 	 	0.00	 	 	 	 	125,975,887.41	 
	A-3
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	3.96000	%	 	 	 	120,409,214.10	 	 	 	 	397,350.41	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	397,350.41	 	 	 	 	0.00	 	 	 	 	110,889,704.22	 
	X-A1
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	0.86199	%	 	 	 	388,286,535.27	 	 	 	 	278,915.34	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	278,915.34	 	 	 	 	0.00	 	 	 	 	361,637,563.69	 
	X-A2
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	0.91946	%	 	 	 	120,409,214.10	 	 	 	 	92,259.21	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	92,259.21	 	 	 	 	0.00	 	 	 	 	110,889,704.22	 
	X-B
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	0.25341	%	 	 	 	18,402,000.00	 	 	 	 	3,886.10	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	3,004.70	 	 	 	 	0.00	 	 	 	 	18,402,000.00	 
	B-1
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	4.65938	%	 	 	 	8,588,000.00	 	 	 	 	33,345.63	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	33,345.63	 	 	 	 	0.00	 	 	 	 	8,588,000.00	 
	B-2
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	5.00938	%	 	 	 	6,134,000.00	 	 	 	 	25,606.28	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	25,606.28	 	 	 	 	0.00	 	 	 	 	6,134,000.00	 
	B-3
	 	 	11/20/05 - 12/19/05	 	 	30	 	 	 	5.40938	%	 	 	 	3,680,000.00	 	 	 	 	16,588.77	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	16,588.77	 	 	 	 	0.00	 	 	 	 	3,680,000.00	 
	B-4
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	5.12197	%	 	 	 	2,453,000.00	 	 	 	 	10,470.16	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	10,470.16	 	 	 	 	0.00	 	 	 	 	2,453,000.00	 
	B-5
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	5.12197	%	 	 	 	920,000.00	 	 	 	 	3,926.84	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	3,926.84	 	 	 	 	0.00	 	 	 	 	920,000.00	 
	B-6
	 	 	11/01/05 - 11/30/05	 	 	30	 	 	 	5.12197	%	 	 	 	2,762,778.00	 	 	 	 	11,792.38	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	11,792.38	 	 	 	 	0.00	 	 	 	 	2,762,778.00	 
	A-R
	 	 	N/A	 	 	N/A	 	 	 	4.92959	%	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.19	 	 	 	 	0.00	 	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Totals
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	2,252,188.20	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	0.00	 	 	 	 	2,251,306.99	 	 	 	 	0.00	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 






	(1, 2)	 	Amount also includes coupon cap or basis risk shortfalls, if applicable.





Interest Distribution Factors Statement



	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Beginning	 	 	 	 	 	 	Payment of	 	 	 	 	 	Non-	 	 	 	 	 	 	 	Remaining	 	 	Ending
	 	 	 	 	 	 	 	 	 	 	 	Current	 	 	Certificate/	 	 	Current	 	Unpaid	 	Current	 	Supported	 	 	 	 	 	 	 	Unpaid	 	 	Certificate/
	 	 	 	 	 	 	Original Face	 	 	Certificate	 	 	Notional	 	 	Accrued	 	Interest	 	Interest	 	Interest	 	 	Total Interest	 	 	Interest	 	 	Notational
	Class	 	 	Accural Dates	 	 	Amount	 	 	Rate	 	 	Balance	 	 	Interest	 	Shortfall	 	Shortfall(1)	 	Shortfall	 	 	Distribution	 	 	Shortfall(2)	 	 	Balance
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	A-1
	 	 	11/20/05 - 12/19/05	 	 	 	380,510,000.00	 	 	 	 	4.42938	%	 	 	 	671.987272	 	 	 	 	2.480406	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	2.480406	 	 	 	 	0.000000	 	 	 	 	619.331098	 
	A-2
	 	 	11/20/05 - 12/19/05	 	 	 	208,392,000.00	 	 	 	 	3.93000	%	 	 	 	636.246393	 	 	 	 	2.083707	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	2.083707	 	 	 	 	0.000000	 	 	 	 	604.514028	 
	A-3
	 	 	11/20/05 - 12/19/05	 	 	 	218,330,615.00	 	 	 	 	3.96000	%	 	 	 	551.499450	 	 	 	 	1.819948	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	1.819948	 	 	 	 	0.000000	 	 	 	 	507.898099	 
	X-A1
	 	 	11/01/05 - 11/30/05	 	 	 	0.00	 	 	 	 	0.86199	%	 	 	 	659.339814	 	 	 	 	0.473619	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.473619	 	 	 	 	0.000000	 	 	 	 	614.087851	 
	X-A2
	 	 	11/01/05 - 11/30/05	 	 	 	0.00	 	 	 	 	0.91946	%	 	 	 	551.499450	 	 	 	 	0.422567	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.422567	 	 	 	 	0.000000	 	 	 	 	507.898099	 
	X-B
	 	 	11/01/05 - 11/30/05	 	 	 	0.00	 	 	 	 	0.25341	%	 	 	 	1000.000000	 	 	 	 	0.211178	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	0.163281	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-1
	 	 	11/20/05 - 12/19/05	 	 	 	8,588,000.00	 	 	 	 	4.65938	%	 	 	 	1000.000000	 	 	 	 	3.882817	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	3.882817	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-2
	 	 	11/20/05 - 12/19/05	 	 	 	6,134,000.00	 	 	 	 	5.00938	%	 	 	 	1000.000000	 	 	 	 	4.174483	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	4.174883	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-3
	 	 	11/20/05 - 12/19/05	 	 	 	3,680,000.00	 	 	 	 	5.40938	%	 	 	 	1000.000000	 	 	 	 	4.507818	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	4.507818	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-4
	 	 	11/01/05 - 11/30/05	 	 	 	2,453,000.00	 	 	 	 	5.12197	%	 	 	 	1000.000000	 	 	 	 	4.268308	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	4.268308	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-5
	 	 	11/01/05 - 11/30/05	 	 	 	920,000.00	 	 	 	 	5.12197	%	 	 	 	1000.000000	 	 	 	 	4.268304	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	4.268304	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	B-6
	 	 	11/01/05 - 11/30/05	 	 	 	2,762,778.00	 	 	 	 	5.12197	%	 	 	 	1000.000000	 	 	 	 	4.268305	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	4.268305	 	 	 	 	0.000000	 	 	 	 	1000.000000	 
	A-R
	 	 	N/A	 	 	 	100.00	 	 	 	 	4.92959	%	 	 	 	0.000000	 	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	0.000000	 	 	 	 	1.900000	 	 	 	 	0.000000	 	 	 	 	0.000000	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 






	(1, 2)	 	Amount also includes coupon cap or basis risk shortfalls, if applicable. Per $1 denomination






 









 











Certificateholder Account Statement




Certificate Account




	 	 	 	 	 
	Beginning Balance
	 	 	0.00	 
	 
	 	 	 	 
	Deposits
	 	 	 	 
	Payments of Interest and Principal
	 	 	38,512,278.08	 
	Reserve Funds and Credit Enhancements
	 	 	0.00	 
	Proceeds from Repurchased Loans
	 	 	0.00	 
	Servicer Advances
	 	 	39,992.05	 
	Realized Loss (Gains, Subsequent Expenses & Recoveries)
	 	 	0.00	 
	Prepayment Penalties
	 	 	0.00	 
	Swap/Cap Payments
	 	 	0.00	 
	 
	 	 	 
	Total Deposits
	 	 	38,552,270.13	 
	 
	 	 	 	 
	Withdrawals
	 	 	 	 
	Swap Payments
	 	 	0.00	 
	Reserve Funds and Credit Enhancements
	 	 	0.00	 
	Reimbursement for Servicer Advances
	 	 	0.00	 
	Total Administration Fees
	 	 	132,481.68	 
	Payment of Interest and Principal
	 	 	38,419,788.45	 
	 
	 	 	 
	Total Withdrawals (Pool Distribution Amount)
	 	 	38,552,270.13	 
	 
	 	 	 	 
	Ending Balance
	 	 	0.00	 
	 
	 	 	 






Prepayment/Curtailment Interest Shortfall




	 	 	 	 	 
	Total Prepayment/Curtailment Interest Shortfall
	 	 	0.00	 
	Servicing Fee Support
	 	 	0.00	 
	 
	 	 	 
	 
	 	 	 	 
	Non-Supported Prepayment Curtailment Interest Shortfall
	 	 	0.00	 
	 
	 	 	 






Administration Fees




	 	 	 	 	 
	Gross Servicing Fee*
	 	 	129,041.48	 
	Master Servicing Fee
	 	 	3,440.20	 
	Supported Prepayment/Curtailment Interest Shortfall
	 	 	0.00	 
	 
	 	 	 
	 
	 	 	 	 
	Total Administration Fees
	 	 	132,481.68	 
	 
	 	 	 








 




			
	*	 	Servicer Payees include: BANK OF AMERICA (NY); GMAC MTG CORP;
MORGAN STANLEY DEAN WITTER; PHH US MTG CORP




 









 










Reserve Accounts




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Beginning	 	Current	 	Current	 	Ending
	Account Type	 	Balance	 	Withdrawals	 	Deposits	 	Balance
	 
	Class X-A1 Pool 1 Comp. Sub Amount
	 	 	3,000.00	 	 	 	0.00	 	 	 	0.00	 	 	 	3,000.00	 
	Class X-A1 Pool 2 Comp. Sub Amount
	 	 	3,000.00	 	 	 	0.00	 	 	 	0.00	 	 	 	3,000.00	 
	Class X-A2 Sub Amount
	 	 	3,000.00	 	 	 	0.00	 	 	 	0.00	 	 	 	3,000.00	 
	Class X-B Sub Amount
	 	 	1,000.00	 	 	 	881.40	 	 	 	881.40	 	 	 	1,000.00	 






Collateral
Statement




	 	 	 	 	 
	Collateral Description	 	Fixed & Mixed Arm	 
	 	 	 	 	 
	Weighted Average Gross Coupon
	 	 	5.506010	%
	Weighted Average Net Coupon
	 	 	5.130911	%
	Weighted Average Pass-Through Rate
	 	 	4.358793	%
	Weighted Average Remaining Term
	 	 	328	 
	 
	 	 	 	 
	Beginning Scheduled Collateral Loan Count
	 	 	1,266	 
	Number of Loans Paid in Full
	 	 	75	 
	Ending Scheduled Collateral Loan Count
	 	 	1,191	 
	 
	 	 	 	 
	Beginning Scheduled Collateral Balance
	 	 	412,824,314.18	 
	Ending Scheduled Collateral Balance
	 	 	386,175,342.60	 
	Ending Actual Collateral Balance at 30-Nov-2005
	 	 	386,176,256.53	 
	 
	 	 	 	 
	Monthly P&I Constant
	 	 	1,896,057.78	 
	Special Servicing Fee
	 	 	0.00	 
	Prepayment Penalty Waived Amount
	 	 	0.00	 
	Prepayment Penalty Waived Count
	 	 	0	 
	Prepayment Penalty Paid Amount
	 	 	0.00	 
	Prepayment Penalty Paid Count
	 	 	0	 
	Realized Loss Amount
	 	 	0.00	 
	Cumulative Realized Loss
	 	 	0.00	 
	 
	 	 	 	 
	Scheduled Principal
	 	 	1,878.84	 
	Unscheduled Principal
	 	 	26,647,092.74	 






 









 






	 	 	 	 	 	 	 	 	 	 	 	 	 
	Group	 	 	Group One	 	 	 	Group Two	 	 	 	Total	 
	Collateral Description
	 	Mixed ARM	 	 	6 Month LIBOR ARM	 	 	Mixed ARM	 
	Weighted Average Coupon Rate
	 	 	5.474914	 	 	 	5.565782	 	 	 	5.506010	 
	Weighted Average Net Rate
	 	 	5.099885	 	 	 	5.190550	 	 	 	5.130911	 
	 
	 	 	0.000000	 	 	 	0.000000	 	 	 	4.358793	 
	Weighted Average Remaining Term
	 	 	326	 	 	 	331	 	 	 	328	 
	Record Date
	 	 	11/30/2005	 	 	 	11/30/2005	 	 	 	11/30/2005	 
	Principal and Interest Constant
	 	 	1,240,381.18	 	 	 	655,676.60	 	 	 	1,896,057.78	 
	Beginning Loan Count
	 	 	801	 	 	 	465	 	 	 	1,266	 
	Loans Paid in Full
	 	 	52	 	 	 	23	 	 	 	75	 
	Ending Loan Count
	 	 	749	 	 	 	442	 	 	 	1,191	 
	Beginning Scheduled Balance
	 	 	271,552,595.86	 	 	 	141,271,718.32	 	 	 	412,824,314.18	 
	Ending Scheduled Balance
	 	 	251,516,395.13	 	 	 	134,658,947.47	 	 	 	386,175,342.60	 
	Scheduled Principal
	 	 	1,441.90	 	 	 	436.94	 	 	 	1,878.84	 
	Unscheduled Principal
	 	 	20,034,758.83	 	 	 	6,612,333.91	 	 	 	26,647,092.74	 
	Scheduled Interest
	 	 	1,238,939.28	 	 	 	655,239.66	 	 	 	1,894,178.94	 
	Servicing Fee
	 	 	84,866.80	 	 	 	44,174.68	 	 	 	129,041.48	 
	Master Servicing Fee
	 	 	2,262.94	 	 	 	1,177.26	 	 	 	3,440.20	 
	Trustee Fee
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	FRY Amount
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Special Hazard Fee
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Other Fee
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Pool Insurance Fee
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Spread 1
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Spread 2
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Spread 3
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Net Interest
	 	 	1,151,809.54	 	 	 	609,887.72	 	 	 	1,761,697.26	 
	Realized Loss Amount
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Cumulative Realized Loss
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Percentage of Cumulative Losses
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Prepayment Penalty Waived Amount
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Prepayment Penalty Waived Count
	 	 	0	 	 	 	0	 	 	 	0	 
	Prepayment Penalty Paid Amount
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	Prepayment Penalty Paid Count
	 	 	0	 	 	 	0	 	 	 	0	 
	Special Servicing Fee
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 






 









 






Miscellaneous Reporting




	 	 	 	 	 
	Rapid Prepay Event?
	 	NO	 
	Underlying Certificate Balance
	 	 	110,889,704.27	 
	Underlying Certificate Interest
	 	 	489,609.62	 
	Underlying Certificate Principal
	 	 	9,519,509.86	 






Miscellaneous Reporting




	 	 	 	 	 
	Group One
	 	 	 	 
	One Month Libor Loan Balance
	 	 	140,931,308.97	 
	Six Month Libor Loan Balance
	 	 	110,585,086.16	 
	Principal Transfer Amount
	 	 	0.00	 
	Interest Transfer Amount
	 	 	0.00	 
	Pro Rata Senior Percent
	 	 	94.161456	%
	Senior Percent
	 	 	100.000000	%
	Senior Prepayment Percent
	 	 	100.000000	%
	Subordinate Percent
	 	 	0.000000	%
	Subordinate Prepayment Percent
	 	 	0.000000	%
	 
	 	 	 	 
	Group Two
	 	 	 	 
	Principal Transfer Amount
	 	 	0.00	 
	Interest Transfer Amount
	 	 	0.00	 
	Pro Rata Senior Percent
	 	 	93.853646	%
	Senior Percent
	 	 	100.000000	%
	Senior Prepayment Percent
	 	 	100.000000	%
	Subordinate Percent
	 	 	0.000000	%
	Subordinate Prepayment Percent
	 	 	0.000000	%






 









 







Loan Status Stratification/Credit Enhancement Statement




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	DELINQUENT	 	 	BANKRUPTCY	 	 	FORECLOSURE	 	 	REO	 	 	TOTAL
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 
	30 Days
	 	23	 	 	8,871,015.95	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	23	 	 	 	8,871,015.95	 
	60 Days
	 	0	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 
	90 Days
	 	1	 	 	185,466.73	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	1	 	 	 	185,466.73	 
	120 Days
	 	1	 	 	168,000.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	1	 	 	 	168,000.00	 
	150 Days
	 	0	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 
	180+ Days
	 	0	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	25	 	 	9,224,482.68	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	25	 	 	 	9,224,482.68	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0.000000%	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%
	30 Days
	 	1.931150%	 	 	2.297142	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	1.931150%	 	 	 	2.297142	%
	60 Days
	 	0.000000%	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%
	90 Days
	 	0.083963%	 	 	0.048026	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.083963%	 	 	 	0.048026	%
	120 Days
	 	0.083963%	 	 	0.043503	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.083963%	 	 	 	0.043503	%
	150 Days
	 	0.000000%	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%
	180+ Days
	 	0.000000%	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	2.099076%	 	 	2.388672	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	2.099076%	 	 	 	2.388672	%
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 





	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Current Period Class A Insufficient Funds:
	 	 	0.00	 	 	Principal Balance of Contaminated Properties	 	 	0.00	 	 	Periodic Advance	 	 	39,992.05	 






 









 








Delinquency Status by Group




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	DELINQUENT	 	 	BANKRUPTCY	 	 	FORECLOSURE	 	 	REO	 	 	TOTAL
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Group One
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 
	30 Days
	 	8	 	 	3,621,840.21	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	8	 	 	 	3,621,840.21	 
	60 Days
	 	0	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 
	90 Days
	 	1	 	 	185,466.73	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	1	 	 	 	185,466.73	 
	120 Days
	 	1	 	 	168,000.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	1	 	 	 	168,000.00	 
	150 Days
	 	0	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 
	180+ Days
	 	0	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	10	 	 	3,975,306.94	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	10	 	 	 	3,975,306.94	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0.000000%	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%
	30 Days
	 	1.068091%	 	 	1.439999	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	1.068091%	 	 	 	1.439999	%
	60 Days
	 	0.000000%	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%
	90 Days
	 	0.133511%	 	 	0.73739	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.133511%	 	 	 	0.73739	%
	120 Days
	 	0.133511%	 	 	0.066795	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.133511%	 	 	 	0.066795	%
	150 Days
	 	0.000000%	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%
	180+ Days
	 	0.000000%	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	1.335113%	 	 	1.580533	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	1.335113%	 	 	 	1.580533	%
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 





	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	DELINQUENT	 	 	BANKRUPTCY	 	 	FORECLOSURE	 	 	REO	 	 	TOTAL
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Group Two
	 	 	 	 	 	 	 	 	 	 	 	1.183654%	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 	 	 	0-29 Days	 	 	0	 	 	 	0.00	 
	30 Days
	 	15	 	 	5,249,175.74	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	0	 	 	 	0.00	 	 	 	30 Days	 	 	15	 	 	 	5,249,175.74	 
	60 Days
	 	0	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 	 	 	60 Days	 	 	0	 	 	 	0.00	 
	90 Days
	 	0	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 	 	 	90 Days	 	 	0	 	 	 	0.00	 
	120 Days
	 	0	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 	 	 	120 Days	 	 	0	 	 	 	0.00	 
	150 Days
	 	0	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 	 	 	150 Days	 	 	0	 	 	 	0.00	 
	180+ Days
	 	0	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 	 	 	180+ Days	 	 	0	 	 	 	0.00	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	15	 	 	5,249,175.74	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	0	 	 	 	0.00	 	 	 	 	 	 	15	 	 	 	5,249,175.74	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	No. of	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal	 	 	 	 	 	No. of	 	 	Principal
	 
	 	Loans	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance	 	 	 	 	 	Loans	 	 	Balance
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	0-29 Days
	 	0.000000%	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	0-29 Days	 	 	0.000000%	 	 	 	0.000000	%
	30 Days
	 	3,393665%	 	 	3.898114	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	30 Days	 	 	3,393665%	 	 	 	3.898114	%
	60 Days
	 	0.000000%	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	60 Days	 	 	0.000000%	 	 	 	0.000000	%
	90 Days
	 	0.000000%	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	90 Days	 	 	0.000000%	 	 	 	0.000000	%
	120 Days
	 	0.000000%	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	120 Days	 	 	0.000000%	 	 	 	0.000000	%
	150 Days
	 	0.000000%	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	150 Days	 	 	0.000000%	 	 	 	0.000000	%
	180+ Days
	 	0.000000%	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%	 	 	180+ Days	 	 	0.000000%	 	 	 	0.000000	%
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 
	 	3,393665%	 	 	3.898114	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	0.000000%	 	 	 	0.000000	%	 	 	 	 	 	3,393665%	 	 	 	3.898114	%