UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D. C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): November 25, 2005
BANC OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2005-8 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-118843-32
Pooling and Servicing Agreement) (Commission 54-2182226
(State or other File Number) 54-2182227
jurisdiction 54-6675896
of Incorporation) IRS EIN
c/o Wells Fargo Bank, N.A.
9062 Old Annapolis Road
Columbia, MD 21045
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (410) 884-2000
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions (see General Instruction A.2. below):
[ ] Written communications pursuant to Rule 425 under the Securities Act
(17 CFR 230.425)
[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
(17 CFR 240.14a-12)
[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
Exchange Act(17 CFR 240.14d-2(b))
[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the
Exchange Act(17 CFR 240.13e-4(c))
ITEM 8.01 Other Events
On November 25, 2005 a distribution was made to holders of BANC OF AMERICA
MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2005-8
Trust.
ITEM 9.01 Financial Statements and Exhibits
(c) Exhibits
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of
Mortgage Pass-Through Certificates,
Series 2005-8 Trust, relating to the
November 25, 2005 distribution.
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANC OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2005-8 Trust
(Registrant)
By: Wells Fargo Bank, N.A. as Trustee
By: /s/ Beth Belfield as Officer
By: Beth Belfield as Officer
Date: 11/28/2005
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2005-8 Trust,
relating to the November 25, 2005 distribution.
EX-99.1
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Record Date: 10/31/2005
Distribution Date: 11/25/2005
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Series 2005-8
Contact: CTSLink Customer Service
Wells Fargo Bank, N.A.
Corporate Trust Services
9062 Old Annapolis Road
Columbia, MD 21045-1951
@ www.ctslink.com/cmbs
Telephone: (301) 815-6600
Fax: (301) 815-6600
Certificateholder Distribution Summary
Certificate Certificate Beginning
Class Pass-Through Certificate Interest
Class CUSIP Description Rate Balance Distribution
<s> <c> <c> <c> <c> <c>
A1 05949CGN0 SEN 5.50000% 14,000,000.00 64,166.67
A2 05949CGP5 SEN 4.53750% 19,477,051.12 73,647.60
A3 05949CGQ3 SEN 5.50000% 24,735,327.81 113,370.25
A4 05949CGR1 SEN 5.50000% 74,250,553.20 340,315.04
A5 05949CGS9 SEN 0.96250% 0.00 15,622.22
A6 05949CGT7 SEN 5.50000% 2,590,584.76 11,873.51
A7 05949CGU4 SEN 5.50000% 16,398,000.00 75,157.50
A8 05949CGV2 SEN 5.50000% 21,693,000.00 99,426.25
A9 05949CGW0 SEN 5.50000% 8,895,000.00 40,768.75
A10 05949CGX8 SEN 5.50000% 1,849,000.00 8,474.58
A11 05949CGY6 SEN 5.50000% 6,615,000.00 30,318.75
A12 05949CGZ3 SEN 5.50000% 10,000,000.00 45,833.33
A13 05949CHA7 SEN 5.50000% 16,068,000.00 73,645.00
A14 05949CHB5 SEN 5.50000% 1,000,000.00 4,583.33
AR 05949CHC3 SEN 5.50000% 0.00 0.00
30IO 05949CHD1 SEN 5.50000% 0.00 16,571.55
30PO 05949CHE9 SEN 0.00000% 2,513,981.76 0.00
B1 05949CHF6 SUB 5.50000% 4,101,151.94 18,796.95
B2 05949CHG4 SUB 5.50000% 1,139,541.49 5,222.90
B3 05949CHH2 SUB 5.50000% 569,770.74 2,611.45
B4 05949CHJ8 SUB 5.50000% 455,018.32 2,085.50
B5 05949CHK5 SUB 5.50000% 228,507.01 1,047.32
B6 05949CHL3 SUB 5.50000% 342,118.97 1,568.05
Totals 226,921,607.12 1,045,106.50
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Principal Realized Certificate Total Realized
Class Distribution Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
A1 0.00 0.00 14,000,000.00 64,166.67 0.00
A2 265,021.24 0.00 19,212,029.88 338,668.84 0.00
A3 134,187.83 0.00 24,601,139.98 247,558.08 0.00
A4 323,183.21 0.00 73,927,369.99 663,498.25 0.00
A5 0.00 0.00 0.00 15,622.22 0.00
A6 (11,873.51) 0.00 2,602,458.27 0.00 0.00
A7 0.00 0.00 16,398,000.00 75,157.50 0.00
A8 0.00 0.00 21,693,000.00 99,426.25 0.00
A9 0.00 0.00 8,895,000.00 40,768.75 0.00
A10 0.00 0.00 1,849,000.00 8,474.58 0.00
A11 0.00 0.00 6,615,000.00 30,318.75 0.00
A12 0.00 0.00 10,000,000.00 45,833.33 0.00
A13 0.00 0.00 16,068,000.00 73,645.00 0.00
A14 0.00 0.00 1,000,000.00 4,583.33 0.00
AR 0.00 0.00 0.00 0.00 0.00
30IO 0.00 0.00 0.00 16,571.55 0.00
30PO 8,354.96 0.00 2,505,626.80 8,354.96 0.00
B1 4,456.38 0.00 4,096,695.56 23,253.33 0.00
B2 1,238.24 0.00 1,138,303.24 6,461.14 0.00
B3 619.12 0.00 569,151.62 3,230.57 0.00
B4 494.43 0.00 454,523.89 2,579.93 0.00
B5 248.30 0.00 228,258.71 1,295.62 0.00
B6 371.68 0.00 341,747.29 1,939.73 0.00
Totals 726,301.88 0.00 226,195,305.23 1,771,408.38 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
This report has been compiled from information provided to Wells Fargo Bank, N.A. by various
third parties, which may include the Servicer, Master Servicer, Special Servicer and others.
Wells Fargo Bank, N.A. has not independently confirmed the accuracy of information received
from these third parties and assumes no duty to do so. Wells Fargo Bank, N.A. expressly
disclaims any responsibility for the accuracy or completeness of information furnished by
third parties.
</FN>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<s> <c> <c> <c> <c> <c> <c>
A1 14,000,000.00 14,000,000.00 0.00 0.00 0.00 0.00
A2 20,000,000.00 19,477,051.12 88,182.63 176,838.61 0.00 0.00
A3 25,000,000.00 24,735,327.81 44,649.39 89,538.45 0.00 0.00
A4 74,888,000.00 74,250,553.20 107,535.33 215,647.88 0.00 0.00
A5 0.00 0.00 0.00 0.00 0.00 0.00
A6 2,567,000.00 2,590,584.76 0.00 0.00 (11,873.51) 0.00
A7 16,398,000.00 16,398,000.00 0.00 0.00 0.00 0.00
A8 21,693,000.00 21,693,000.00 0.00 0.00 0.00 0.00
A9 8,895,000.00 8,895,000.00 0.00 0.00 0.00 0.00
A10 1,849,000.00 1,849,000.00 0.00 0.00 0.00 0.00
A11 6,615,000.00 6,615,000.00 0.00 0.00 0.00 0.00
A12 10,000,000.00 10,000,000.00 0.00 0.00 0.00 0.00
A13 16,068,000.00 16,068,000.00 0.00 0.00 0.00 0.00
A14 1,000,000.00 1,000,000.00 0.00 0.00 0.00 0.00
AR 100.00 0.00 0.00 0.00 0.00 0.00
30IO 0.00 0.00 0.00 0.00 0.00 0.00
30PO 2,520,398.00 2,513,981.76 2,844.59 5,510.37 0.00 0.00
B1 4,110,000.00 4,101,151.94 4,456.38 0.00 0.00 0.00
B2 1,142,000.00 1,139,541.49 1,238.24 0.00 0.00 0.00
B3 571,000.00 569,770.74 619.12 0.00 0.00 0.00
B4 456,000.00 455,018.32 494.43 0.00 0.00 0.00
B5 229,000.00 228,507.01 248.30 0.00 0.00 0.00
B6 342,857.00 342,118.97 371.68 0.00 0.00 0.00
Totals 228,344,355.00 226,921,607.12 250,640.09 487,535.31 (11,873.51) 0.00
<FN>
(1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
A1 0.00 14,000,000.00 1.00000000 0.00
A2 265,021.24 19,212,029.88 0.96060149 265,021.24
A3 134,187.83 24,601,139.98 0.98404560 134,187.83
A4 323,183.21 73,927,369.99 0.98717244 323,183.21
A5 0.00 0.00 0.00000000 0.00
A6 (11,873.51) 2,602,458.27 1.01381312 (11,873.51)
A7 0.00 16,398,000.00 1.00000000 0.00
A8 0.00 21,693,000.00 1.00000000 0.00
A9 0.00 8,895,000.00 1.00000000 0.00
A10 0.00 1,849,000.00 1.00000000 0.00
A11 0.00 6,615,000.00 1.00000000 0.00
A12 0.00 10,000,000.00 1.00000000 0.00
A13 0.00 16,068,000.00 1.00000000 0.00
A14 0.00 1,000,000.00 1.00000000 0.00
AR 0.00 0.00 0.00000000 0.00
30IO 0.00 0.00 0.00000000 0.00
30PO 8,354.96 2,505,626.80 0.99413934 8,354.96
B1 4,456.38 4,096,695.56 0.99676291 4,456.38
B2 1,238.24 1,138,303.24 0.99676291 1,238.24
B3 619.12 569,151.62 0.99676291 619.12
B4 494.43 454,523.89 0.99676292 494.43
B5 248.30 228,258.71 0.99676293 248.30
B6 371.68 341,747.29 0.99676334 371.68
Totals 726,301.88 226,195,305.23 0.99058856 726,301.88
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<s> <c> <c> <c> <c> <c>
A1 14,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A2 20,000,000.00 973.85255600 4.40913150 8.84193050 0.00000000
A3 25,000,000.00 989.41311240 1.78597560 3.58153800 0.00000000
A4 74,888,000.00 991.48799808 1.43594875 2.87960528 0.00000000
A5 0.00 0.00000000 0.00000000 0.00000000 0.00000000
A6 2,567,000.00 1009.18767433 0.00000000 0.00000000 (4.62544215)
A7 16,398,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A8 21,693,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A9 8,895,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A10 1,849,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A11 6,615,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A12 10,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A13 16,068,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
A14 1,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
AR 100.00 0.00000000 0.00000000 0.00000000 0.00000000
30IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
30PO 2,520,398.00 997.45427508 1.12862730 2.18630946 0.00000000
B1 4,110,000.00 997.84718735 1.08427737 0.00000000 0.00000000
B2 1,142,000.00 997.84718914 1.08427320 0.00000000 0.00000000
B3 571,000.00 997.84718039 1.08427320 0.00000000 0.00000000
B4 456,000.00 997.84719298 1.08427632 0.00000000 0.00000000
B5 229,000.00 997.84720524 1.08427948 0.00000000 0.00000000
B6 342,857.00 997.84741160 1.08406712 0.00000000 0.00000000
<FN>
(2) All classes are per 1,000 dollar denomination.
</FN>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c> <c>
A1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A2 0.00000000 13.25106200 960.60149400 0.96060149 13.25106200
A3 0.00000000 5.36751320 984.04559920 0.98404560 5.36751320
A4 0.00000000 4.31555403 987.17244405 0.98717244 4.31555403
A5 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
A6 0.00000000 (4.62544215) 1,013.81311648 1.01381312 (4.62544215)
A7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A10 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A11 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A12 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A13 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
A14 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
30IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
30PO 0.00000000 3.31493677 994.13933831 0.99413934 3.31493677
B1 0.00000000 1.08427737 996.76290998 0.99676291 1.08427737
B2 0.00000000 1.08427320 996.76290718 0.99676291 1.08427320
B3 0.00000000 1.08427320 996.76290718 0.99676291 1.08427320
B4 0.00000000 1.08427632 996.76291667 0.99676292 1.08427632
B5 0.00000000 1.08427948 996.76292576 0.99676293 1.08427948
B6 0.00000000 1.08406712 996.76334448 0.99676334 1.08406712
<FN>
(3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses
Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Interest Distribution Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class Amount Rate Balance Interest Shortfall Shortfall
<s> <c> <c> <c> <c> <c> <c>
A1 14,000,000.00 5.50000% 14,000,000.00 64,166.67 0.00 0.00
A2 20,000,000.00 4.53750% 19,477,051.12 73,647.60 0.00 0.00
A3 25,000,000.00 5.50000% 24,735,327.81 113,370.25 0.00 0.00
A4 74,888,000.00 5.50000% 74,250,553.20 340,315.04 0.00 0.00
A5 0.00 0.96250% 19,477,051.12 15,622.22 0.00 0.00
A6 2,567,000.00 5.50000% 2,590,584.76 11,873.51 0.00 0.00
A7 16,398,000.00 5.50000% 16,398,000.00 75,157.50 0.00 0.00
A8 21,693,000.00 5.50000% 21,693,000.00 99,426.25 0.00 0.00
A9 8,895,000.00 5.50000% 8,895,000.00 40,768.75 0.00 0.00
A10 1,849,000.00 5.50000% 1,849,000.00 8,474.58 0.00 0.00
A11 6,615,000.00 5.50000% 6,615,000.00 30,318.75 0.00 0.00
A12 10,000,000.00 5.50000% 10,000,000.00 45,833.33 0.00 0.00
A13 16,068,000.00 5.50000% 16,068,000.00 73,645.00 0.00 0.00
A14 1,000,000.00 5.50000% 1,000,000.00 4,583.33 0.00 0.00
AR 100.00 5.50000% 0.00 0.00 0.00 0.00
30IO 0.00 5.50000% 3,615,611.58 16,571.55 0.00 0.00
30PO 2,520,398.00 0.00000% 2,513,981.76 0.00 0.00 0.00
B1 4,110,000.00 5.50000% 4,101,151.94 18,796.95 0.00 0.00
B2 1,142,000.00 5.50000% 1,139,541.49 5,222.90 0.00 0.00
B3 571,000.00 5.50000% 569,770.74 2,611.45 0.00 0.00
B4 456,000.00 5.50000% 455,018.32 2,085.50 0.00 0.00
B5 229,000.00 5.50000% 228,507.01 1,047.32 0.00 0.00
B6 342,857.00 5.50000% 342,118.97 1,568.05 0.00 0.00
Totals 228,344,355.00 1,045,106.50 0.00 0.00
Interest Distribution Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (4) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
A1 0.00 0.00 64,166.67 0.00 14,000,000.00
A2 0.00 0.00 73,647.60 0.00 19,212,029.88
A3 0.00 0.00 113,370.25 0.00 24,601,139.98
A4 0.00 0.00 340,315.04 0.00 73,927,369.99
A5 0.00 0.00 15,622.22 0.00 19,212,029.88
A6 0.00 0.00 11,873.51 0.00 2,602,458.27
A7 0.00 0.00 75,157.50 0.00 16,398,000.00
A8 0.00 0.00 99,426.25 0.00 21,693,000.00
A9 0.00 0.00 40,768.75 0.00 8,895,000.00
A10 0.00 0.00 8,474.58 0.00 1,849,000.00
A11 0.00 0.00 30,318.75 0.00 6,615,000.00
A12 0.00 0.00 45,833.33 0.00 10,000,000.00
A13 0.00 0.00 73,645.00 0.00 16,068,000.00
A14 0.00 0.00 4,583.33 0.00 1,000,000.00
AR 0.00 0.00 0.00 0.00 0.00
30IO 0.00 0.00 16,571.55 0.00 3,611,613.57
30PO 0.00 0.00 0.00 0.00 2,505,626.80
B1 0.00 0.00 18,796.95 0.00 4,096,695.56
B2 0.00 0.00 5,222.90 0.00 1,138,303.24
B3 0.00 0.00 2,611.45 0.00 569,151.62
B4 0.00 0.00 2,085.50 0.00 454,523.89
B5 0.00 0.00 1,047.32 0.00 228,258.71
B6 0.00 0.00 1,568.05 0.00 341,747.29
Totals 0.00 0.00 1,045,106.50 0.00
<FN>
(4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed.
Please Refer to the Prospectus Supplement for a Full Description.
</FN>
Interest Distribution Factors Statement
Beginning Payment of
Original Current Certificate/ Current Unpaid Current
Face Certificate Notional Accrued Interest Interest
Class (5) Amount Rate Balance Interest Shortfall Shortfall
<s> <c> <c> <c> <c> <c> <c>
A1 14,000,000.00 5.50000% 1000.00000000 4.58333357 0.00000000 0.00000000
A2 20,000,000.00 4.53750% 973.85255600 3.68238000 0.00000000 0.00000000
A3 25,000,000.00 5.50000% 989.41311240 4.53481000 0.00000000 0.00000000
A4 74,888,000.00 5.50000% 991.48799808 4.54432005 0.00000000 0.00000000
A5 0.00 0.96250% 973.85255600 0.78111100 0.00000000 0.00000000
A6 2,567,000.00 5.50000% 1009.18767433 4.62544215 0.00000000 0.00000000
A7 16,398,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
A8 21,693,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
A9 8,895,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
A10 1,849,000.00 5.50000% 1000.00000000 4.58333153 0.00000000 0.00000000
A11 6,615,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
A12 10,000,000.00 5.50000% 1000.00000000 4.58333300 0.00000000 0.00000000
A13 16,068,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
A14 1,000,000.00 5.50000% 1000.00000000 4.58333000 0.00000000 0.00000000
AR 100.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000
30IO 0.00 5.50000% 993.76892171 4.55477338 0.00000000 0.00000000
30PO 2,520,398.00 0.00000% 997.45427508 0.00000000 0.00000000 0.00000000
B1 4,110,000.00 5.50000% 997.84718735 4.57346715 0.00000000 0.00000000
B2 1,142,000.00 5.50000% 997.84718914 4.57346760 0.00000000 0.00000000
B3 571,000.00 5.50000% 997.84718039 4.57346760 0.00000000 0.00000000
B4 456,000.00 5.50000% 997.84719298 4.57346491 0.00000000 0.00000000
B5 229,000.00 5.50000% 997.84720524 4.57344978 0.00000000 0.00000000
B6 342,857.00 5.50000% 997.84741160 4.57348107 0.00000000 0.00000000
<FN>
(5) All classes are per 1,000 dollar denomination.
</FN>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
A1 0.00000000 0.00000000 4.58333357 0.00000000 1000.00000000
A2 0.00000000 0.00000000 3.68238000 0.00000000 960.60149400
A3 0.00000000 0.00000000 4.53481000 0.00000000 984.04559920
A4 0.00000000 0.00000000 4.54432005 0.00000000 987.17244405
A5 0.00000000 0.00000000 0.78111100 0.00000000 960.60149400
A6 0.00000000 0.00000000 4.62544215 0.00000000 1013.81311648
A7 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
A8 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
A9 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
A10 0.00000000 0.00000000 4.58333153 0.00000000 1000.00000000
A11 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
A12 0.00000000 0.00000000 4.58333300 0.00000000 1000.00000000
A13 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
A14 0.00000000 0.00000000 4.58333000 0.00000000 1000.00000000
AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
30IO 0.00000000 0.00000000 4.55477338 0.00000000 992.67004867
30PO 0.00000000 0.00000000 0.00000000 0.00000000 994.13933831
B1 0.00000000 0.00000000 4.57346715 0.00000000 996.76290998
B2 0.00000000 0.00000000 4.57346760 0.00000000 996.76290718
B3 0.00000000 0.00000000 4.57346760 0.00000000 996.76290718
B4 0.00000000 0.00000000 4.57346491 0.00000000 996.76291667
B5 0.00000000 0.00000000 4.57344978 0.00000000 996.76292576
B6 0.00000000 0.00000000 4.57348107 0.00000000 996.76334448
<FN>
(6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless
Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
</FN>
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 1,820,480.17
Liquidations, Insurance Proceeds, Reserve Funds 0.00
Proceeds from Repurchased Loans 0.00
Other Amounts (Servicer Advances) 0.00
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Total Deposits 1,820,480.17
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 49,071.79
Payment of Interest and Principal 1,771,408.38
Total Withdrawals (Pool Distribution Amount) 1,820,480.17
Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<s> <c>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES
<s> <c>
Gross Servicing Fee 47,275.33
Trustee Fee - Wells Fargo Bank, N.A. 1,796.46
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 49,071.79
OTHER ACCOUNTS
Beginning Current Current Ending
Account Type Balance Withdrawals Deposits Balance
<s> <c> <c> <c> <c>
Reserve Fund 0.00 0.00 0.00 0.00
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s> <c> <c> <c> <c> <c>
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0 0 0 0
0.00 0.00 0.00 0.00
30 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180+ Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
No of Loans No of Loans No of Loans No of Loans No of Loans
Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 0.00
REO Detail - All Mortgage Loans in REO during Current Period
Summary 12 Month REO History*
New REO Loans Month REO Percentage
<s> <c> <s> <c>
Loans in REO 0 Dec-04 0.000%
Original Principal Balance 0.00 Jan-05 0.000%
Current Principal Balance 0.00 Feb-05 0.000%
Mar-05 0.000%
Current REO Total Apr-05 0.000%
Loans in REO 0 May-05 0.000%
Original Principal Balance 0.00 Jun-05 0.000%
Current Principal Balance 0.00 Jul-05 0.000%
Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.000%
*The text reported in the above table is presented graphically
on the monthly bond remittance report. The monthly bond
remittance report can be viewed online at www.ctslink.com.
REO Loan Detail - All Mortgage Loans in REO during Current Period
Month
Loan First Original
Loan Entered Payment LTV at Principal
Group Number REO Date State Origination Balance
<s> <c> <c> <c> <c> <c> <c>
No REO loans this period.
REO Loan Detail - All Mortgage Loans in REO during Current Period (continued)
Current Paid Current Approximate
Loan Principal To Months Loan Delinquent
Group Number Balance Date Delinquent Rate Interest
<s> <c> <c> <c> <c> <c> <c>
No REO loans this period.
Foreclosure Detail - All Mortgage Loans in Foreclosure during Current Period
Summary 12 Month Foreclosure History*
New Foreclosure Loans Month Foreclosure Percentage
<s> <c> <s> <c>
Loans in Foreclosure 0 Dec-04 0.000%
Original Principal Balance 0.00 Jan-05 0.000%
Current Principal Balance 0.00 Feb-05 0.000%
Mar-05 0.000%
Current Foreclosure Total Apr-05 0.000%
Loans in Foreclosure 0 May-05 0.000%
Original Principal Balance 0.00 Jun-05 0.000%
Current Principal Balance 0.00 Jul-05 0.000%
Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.000%
*The text reported in the above table is presented graphically
on the monthly bond remittance report. The monthly bond
remittance report can be viewed online at www.ctslink.com.
Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period
Month
Loan First Original
Loan Entered Payment LTV at Principal
Group Number FC Date State Origination Balance
<s> <c> <c> <c> <c> <c> <c>
No Foreclosure loans this period.
Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period (continued)
Current Paid Current Approximate
Loan Principal To Months Loan Delinquent
Group Number Balance Date Delinquent Rate Interest
<s> <c> <c> <c> <c> <c> <c>
No Foreclosure loans this period.
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.786201%
Weighted Average Pass-Through Rate 5.526700%
Weighted Average Maturity(Stepdown Calculation) 354
Beginning Scheduled Collateral Loan Count 461
Number Of Loans Paid In Full 0
Ending Scheduled Collateral Loan Count 461
Beginning Scheduled Collateral Balance 226,921,607.96
Ending Scheduled Collateral Balance 226,195,306.01
Ending Actual Collateral Balance at 31-Oct-2005 226,393,767.95
Monthly P&I Constant 1,340,867.75
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Class A Optimal Amount 1,724,293.11
Class AP Deferred Amount 0.00
Scheduled Principal 246,689.39
Unscheduled Principal 479,612.56
Miscellaneous Reporting
CPR 2.509693%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.953709%
Subordinate % 3.046291%
Prepayment Detail - Prepayments during Current Period
Summary Loans Paid In Full Repurchased Loans
Original Current Original Current
Principal Principal Principal Principal
Group Count Balance Balance Count Balance Balance
<s> <c> <c> <c> <c> <c> <c>
Total 0 0.00 0.00 0 0.00 0.00
Prepayment Detail - Prepayments during Current Period (continued)
Summary Substitution Loans Liquidated Loans Curtailments
Original Current Original Current
Principal Principal Principal Principal Curtailment
Group Count Balance Balance Count Balance Balance Amount
<s> <c> <c> <c> <c> <c> <c> <c>
Total 0 0.00 0.00 0 0.00 0.00 479,612.56
Prepayment Loan Detail - Prepayments during Current Period
First Original
Loan LTV at Payment Principal Prepayment
Group Number State Origination Date Balance Amount
<s> <c> <c> <c> <c> <c> <c>
No Prepayments in full this period.
Prepayment Loan Detail - Prepayments during Current Period (continued)
Current
Loan PIF Months Loan Original
Group Number Type Delinquent Rate Term Seasoning
<s> <c> <c> <c> <c> <c> <c>
No Prepayments in full this period.
Prepayment - Voluntary Prepayments
Summary
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.212% Current Month 2.510% Current Month 495.019%
3 Month Average 0.207% 3 Month Average 2.436% 3 Month Average 1,641.699%
12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000%
CPR: Current vs 12mo Average* PSA: Current vs 12mo Average*
Month Current 12mo Avg. Month Current 12mo Avg.
<s> <c> <c> <s> <c> <c>
Dec-2004 N/A N/A Dec-2004 N/A N/A
Jan-2005 N/A N/A Jan-2005 N/A N/A
Feb-2005 N/A N/A Feb-2005 N/A N/A
Mar-2005 N/A N/A Mar-2005 N/A N/A
Apr-2005 N/A N/A Apr-2005 N/A N/A
May-2005 N/A N/A May-2005 N/A N/A
Jun-2005 N/A N/A Jun-2005 N/A N/A
Jul-2005 N/A N/A Jul-2005 N/A N/A
Aug-2005 N/A N/A Aug-2005 N/A N/A
Sep-2005 4.693% N/A Sep-2005 4,395.566% N/A
Oct-2005 0.106% N/A Oct-2005 34.511% N/A
Nov-2005 2.510% N/A Nov-2005 495.019% N/A
*The text reported in the above table is presented *The text reported in the above table is presented
graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The
monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at
www.ctslink.com. www.ctslink.com.
<FN>
Calculation Methodology:
Single Month Mortality (SMM): (Partial and full prepayments + Repurchases) / (Beginning Scheduled Balance - Scheduled
Principal)
Conditional PrePayment Rate (CPR): 1 - ((1 - SMM)^12)
PSA Standard Prepayment Model: 100 * CPR / (0.2 * MIN(30,WAS))
Weighted Average Seasoning (WAS): sum((Original Term - Remaining Term)*(Current Scheduled Balance/Deal Scheduled Principal
Balance))
</FN>
Realized Loss Detail Report - Loans with Losses during Current Period
Summary
# Loans Prior Realized Current
with Principal Loss/(Gain) Loss
Group Losses Balance Amount Percentage
<s> <c> <c> <c> <c>
Total 0 0.00 0.00 0.000%
Realized Loss Loan Detail Report - Loans With Losses during Current Period
Original Current
Loan Principal Note LTV at Original
Group Number Balance Rate State Origination Term
<s> <c> <c> <c> <c> <c> <c>
No losses this period.
Realized Loss Loan Detail Report - Loans With Losses during Current Period (continued)
Prior Cumulative
Loan Principal Realized Realized
Group Number Balance Loss/(Gain) Loss/(Gain)
<s> <c> <c> <c> <c>
No losses this period.
Realized Loss Report - Collateral
Summary
MDR SDA
<s> <c> <s> <c>
Current Month 0.000% Current Month 0.000%
3 Month Average 0.000% 3 Month Average 0.000%
12 Month Average 0.000% 12 Month Average 0.000%
MDR: Current vs 12mo Average* SDA: Current vs 12mo Average*
Month Current 12mo Avg. Month Current 12mo Avg.
<s> <c> <c> <s> <c> <c>
Dec-2004 N/A N/A Dec-2004 N/A N/A
Jan-2005 N/A N/A Jan-2005 N/A N/A
Feb-2005 N/A N/A Feb-2005 N/A N/A
Mar-2005 N/A N/A Mar-2005 N/A N/A
Apr-2005 N/A N/A Apr-2005 N/A N/A
May-2005 N/A N/A May-2005 N/A N/A
Jun-2005 N/A N/A Jun-2005 N/A N/A
Jul-2005 N/A N/A Jul-2005 N/A N/A
Aug-2005 N/A N/A Aug-2005 N/A N/A
Sep-2005 0.000% N/A Sep-2005 0.000% N/A
Oct-2005 0.000% N/A Oct-2005 0.000% N/A
Nov-2005 0.000% N/A Nov-2005 0.000% N/A
*The text reported in the above table is presented *The text reported in the above table is presented
graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The
monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at
www.ctslink.com. www.ctslink.com.
CDR Loss Severity Approximation
<s> <c> <s> <c>
Current Month 0.000% Current Month 0.000%
3 Month Average 0.000% 3 Month Average 0.000%
12 Month Average 0.000% 12 Month Average 0.000%
CDR: Current vs 12mo Average* Loss Severity: Current vs 12mo Average*
Month Current 12mo Avg. Month Current 12mo Avg.
<s> <c> <c> <s> <c> <c>
Dec-2004 N/A N/A Dec-2004 N/A N/A
Jan-2005 N/A N/A Jan-2005 N/A N/A
Feb-2005 N/A N/A Feb-2005 N/A N/A
Mar-2005 N/A N/A Mar-2005 N/A N/A
Apr-2005 N/A N/A Apr-2005 N/A N/A
May-2005 N/A N/A May-2005 N/A N/A
Jun-2005 N/A N/A Jun-2005 N/A N/A
Jul-2005 N/A N/A Jul-2005 N/A N/A
Aug-2005 N/A N/A Aug-2005 N/A N/A
Sep-2005 0.000% N/A Sep-2005 0.000% N/A
Oct-2005 0.000% N/A Oct-2005 0.000% N/A
Nov-2005 0.000% N/A Nov-2005 0.000% N/A
*The text reported in the above table is presented *The text reported in the above table is presented
graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The
monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at
www.ctslink.com. www.ctslink.com.
<FN>
</FN>
<FN>
Calculation Methodology:
Monthly Default Rate (MDR): sum(Beg Principal Balance of Liquidated Loans)/ sum(Beg Principal Balance).
Conditional Default Rate (CDR): 1-((1-MDR)^12)
SDA Standard Default Assumption: If WAS is less than or equal to 30 then CDR/(WAS*0.02) else if WAS is greater than 30 and
less than or equal to 60 then CDR/0.6 else if WAS is greater than 60 and less than or equal to 120 then CDR/(0.6 -
((WAS-60)*0.0095)) else if WAS is greater than 120 then CDR/0.03
Loss Severity Approximation for current period: sum(Realized Loss Amount)/sum(Beg Principal Balance of Liquidated Loans)
</FN>