Exhibit 99.2

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2100 One PPG Place www.ey.com
Pittsburgh, Pennsylvania 15222

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

Report of Independent Registered Public Accounting Firm

Board of Directors and Shareholders of
National City Home Loan Services, Inc.
A Subsidiary of National City Bank of Indiana

We have examined management's assertion, included in the accompanying report
titled Report of Management, that National City Home Loan Services, Inc. (NCHLS)
complied with the minimum servicing standards identified in Exhibit A to the
Report of Management (the specific minimum servicing standards) as set forth in
the Mortgage Bankers Association of America's Uniform Single Attestation Program
for Mortgage Bankers (USAP) during the year-ended December 31, 2005. Management
is responsible for NCHLS' compliance with the specified minimum servicing
standards. Our responsibility is to express an opinion on management's
assertions about NCHLS' compliance based on our examination.

Our examination was made in accordance with attestation standards established by
the Public Company Accounting Oversight Board (United States) and, accordingly,
included examining, on a test basis, evidence about NCHLS' compliance with the
specified minimum servicing standards 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 NCHLS' compliance with specified minimum servicing
standards.

In our opinion, management's assertion that NCHLS complied with the
aforementioned specified minimum servicing standards during the year ended
December 31, 2005, is fairly stated, in all material respects.

/s/ Ernst & Young LLP

March 1, 2006

A Member Practice of Ernst & Young Global

National City(R) National City Home Loan Services, Inc.
P.O. Box 1838
Pittsburgh, PA 15230-1838

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 Home Loan Services, Inc. (NCHLS),
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 NCHLS'
compliance with the specified minimum servicing standards as set forth in the
USAP 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, NCHLS
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, NCHLS had in effect a
fidelity bond policy in the amount of $200 million and an errors and omissions
policy in the amount of $200 million.

/s/ Nanette M. Stevens
---------------------------------
Nanette M. Stevens
Senior Vice President & General Manager

/s/ Timothy C. Lulich
---------------------------------
Timothy C. Lulich
Senior Vice President & Contoller

March 1, 2006

National City Home Loan Services, Inc. is a subsidiary of National City Bank of Indiana. First Franklin and NationPoint
are divisions of National City Bank of Indiana, which is a wholly-owned subsidiary of National City Corporation. National City
Home Loan Services, Inc. services loans for the following affiliated entities as First Franklin Loan Services, National City Loan
Services and NationPoint:

National City Bank National City Bank of Indiana National City Bank of Kentucky
National City Bank of the Midwest National City Bank of Pennsylvania NationPoint

[Logo]
EQUAL HOUSING
LENDER

Exhibit A
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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
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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.

Exhibit A
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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 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.