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): December 27, 2005
BANC OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2005-8
(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 December 27, 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
December 27, 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: 12/27/2005
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 December 27, 2005 distribution.
EX-99.1
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Record Date: 11/30/2005
Distribution Date: 12/27/2005
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
Class CUSIP Certificate Beginning Interest
Pass-Through Certificate Distribution
Rate Balance
<s> <c> <c> <c> <c>
A1 05949CGN0 5.50000% 14,000,000.00 64,166.67
A2 05949CGP5 4.69375% 19,212,029.88 75,147.05
A3 05949CGQ3 5.50000% 24,601,139.98 112,755.22
A4 05949CGR1 5.50000% 73,927,369.99 338,833.78
A5 05949CGS9 0.80625% 0.00 12,908.08
A6 05949CGT7 5.50000% 2,602,458.27 11,927.93
A7 05949CGU4 5.50000% 16,398,000.00 75,157.50
A8 05949CGV2 5.50000% 21,693,000.00 99,426.25
A9 05949CGW0 5.50000% 8,895,000.00 40,768.75
A10 05949CGX8 5.50000% 1,849,000.00 8,474.58
A11 05949CGY6 5.50000% 6,615,000.00 30,318.75
A12 05949CGZ3 5.50000% 10,000,000.00 45,833.33
A13 05949CHA7 5.50000% 16,068,000.00 73,645.00
A14 05949CHB5 5.50000% 1,000,000.00 4,583.33
AR 05949CHC3 5.50000% 0.00 0.00
30IO 05949CHD1 5.50000% 0.00 16,553.23
30PO 05949CHE9 0.00000% 2,505,626.80 0.00
B1 05949CHF6 5.50000% 4,096,695.56 18,776.52
B2 05949CHG4 5.50000% 1,138,303.24 5,217.22
B3 05949CHH2 5.50000% 569,151.62 2,608.61
B4 05949CHJ8 5.50000% 454,523.89 2,083.23
B5 05949CHK5 5.50000% 228,258.71 1,046.19
B6 05949CHL3 5.50000% 341,747.29 1,566.34
Totals 226,195,305.23 1,041,797.56
Certificateholder Distribution Summary (continued)
Class Principal Current Ending Total Cummulative
Distribution Realized Certificate Distribution Realized
Loss Balance Losses
<s> <c> <c> <c> <c> <c>
A1 0.00 0.00 14,000,000.00 64,166.67 0.00
A2 104,117.50 0.00 19,107,912.38 179,264.55 0.00
A3 48,867.59 0.00 24,552,272.39 161,622.81 0.00
A4 117,694.60 0.00 73,809,675.40 456,528.38 0.00
A5 0.00 0.00 0.00 12,908.08 0.00
A6 (11,927.93) 0.00 2,614,386.21 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 16,553.23 0.00
30PO 3,224.98 0.00 2,502,401.82 3,224.98 0.00
B1 4,494.34 0.00 4,092,201.22 23,270.86 0.00
B2 1,248.79 0.00 1,137,054.45 6,466.01 0.00
B3 624.40 0.00 568,527.23 3,233.01 0.00
B4 498.64 0.00 454,025.24 2,581.87 0.00
B5 250.41 0.00 228,008.29 1,296.60 0.00
B6 374.92 0.00 341,372.37 1,941.26 0.00
Totals 269,468.24 0.00 225,925,837.00 1,311,265.80 0.00
<FN>
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
Class Original Beginning Scheduled UnScheduled Accretion Realized
Face Certificate Principal Principal Loss
Amount Balance Distribution Distribution
<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 19,212,029.88 95,731.38 8,386.12 0.00 0.00
A3 25,000,000.00 24,601,139.98 44,931.56 3,936.03 0.00 0.00
A4 74,888,000.00 73,927,369.99 108,214.91 9,479.68 0.00 0.00
A5 0.00 0.00 0.00 0.00 0.00 0.00
A6 2,567,000.00 2,602,458.27 0.00 0.00 (11,927.93) 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 2,505,626.80 2,853.74 371.24 0.00 0.00
B1 4,110,000.00 4,096,695.56 4,494.34 0.00 0.00 0.00
B2 1,142,000.00 1,138,303.24 1,248.79 0.00 0.00 0.00
B3 571,000.00 569,151.62 624.40 0.00 0.00 0.00
B4 456,000.00 454,523.89 498.64 0.00 0.00 0.00
B5 229,000.00 228,258.71 250.41 0.00 0.00 0.00
B6 342,857.00 341,747.29 374.92 0.00 0.00 0.00
Totals 228,344,355.00 226,195,305.23 259,223.09 22,173.07 (11,927.93) 0.00
Principal Distribution Statement (continued)
Class Total Ending Ending Total
Principal Certificate Certificate Principal
Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
A1 0.00 14,000,000.00 1.000000 0.00
A2 104,117.50 19,107,912.38 0.955396 104,117.50
A3 48,867.59 24,552,272.39 0.982091 48,867.59
A4 117,694.60 73,809,675.40 0.985601 117,694.60
A5 0.00 0.00 0.000000 0.00
A6 (11,927.93) 2,614,386.21 1.018460 (11,927.93)
A7 0.00 16,398,000.00 1.000000 0.00
A8 0.00 21,693,000.00 1.000000 0.00
A9 0.00 8,895,000.00 1.000000 0.00
A10 0.00 1,849,000.00 1.000000 0.00
A11 0.00 6,615,000.00 1.000000 0.00
A12 0.00 10,000,000.00 1.000000 0.00
A13 0.00 16,068,000.00 1.000000 0.00
A14 0.00 1,000,000.00 1.000000 0.00
AR 0.00 0.00 0.000000 0.00
30IO 0.00 0.00 0.000000 0.00
30PO 3,224.98 2,502,401.82 0.992860 3,224.98
B1 4,494.34 4,092,201.22 0.995669 4,494.34
B2 1,248.79 1,137,054.45 0.995669 1,248.79
B3 624.40 568,527.23 0.995669 624.40
B4 498.64 454,025.24 0.995669 498.64
B5 250.41 228,008.29 0.995669 250.41
B6 374.92 341,372.37 0.995670 374.92
Totals 269,468.24 225,925,837.00 0.989408 269,468.24
Principal Distribution Factors Statement
Class Original Beginning Scheduled UnScheduled Accretion
Face Certificate Principal Principal
Amount Balance Distribution Distribution
<s> <c> <c> <c> <c> <c>
A1 14,000,000.00 1000.000000 0.000000 0.000000 0.000000
A2 20,000,000.00 960.601494 4.786569 0.419306 0.000000
A3 25,000,000.00 984.045599 1.797262 0.157441 0.000000
A4 74,888,000.00 987.172444 1.445023 0.126585 0.000000
A5 0.00 0.000000 0.000000 0.000000 0.000000
A6 2,567,000.00 1013.813116 0.000000 0.000000 (4.646642)
A7 16,398,000.00 1000.000000 0.000000 0.000000 0.000000
A8 21,693,000.00 1000.000000 0.000000 0.000000 0.000000
A9 8,895,000.00 1000.000000 0.000000 0.000000 0.000000
A10 1,849,000.00 1000.000000 0.000000 0.000000 0.000000
A11 6,615,000.00 1000.000000 0.000000 0.000000 0.000000
A12 10,000,000.00 1000.000000 0.000000 0.000000 0.000000
A13 16,068,000.00 1000.000000 0.000000 0.000000 0.000000
A14 1,000,000.00 1000.000000 0.000000 0.000000 0.000000
AR 100.00 0.000000 0.000000 0.000000 0.000000
30IO 0.00 0.000000 0.000000 0.000000 0.000000
30PO 2,520,398.00 994.139338 1.132258 0.147294 0.000000
B1 4,110,000.00 996.762910 1.093513 0.000000 0.000000
B2 1,142,000.00 996.762907 1.093511 0.000000 0.000000
B3 571,000.00 996.762907 1.093520 0.000000 0.000000
B4 456,000.00 996.762917 1.093509 0.000000 0.000000
B5 229,000.00 996.762926 1.093493 0.000000 0.000000
B6 342,857.00 996.763344 1.093517 0.000000 0.000000
Principal Distribution Factors Statement (continued)
Class Realized Total Ending Ending Total
Loss Principal Certificate Certificate Principal
Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c> <c>
A1 0.000000 0.000000 1,000.000000 1.000000 0.000000
A2 0.000000 5.205875 955.395619 0.955396 5.205875
A3 0.000000 1.954704 982.090896 0.982091 1.954704
A4 0.000000 1.571608 985.600836 0.985601 1.571608
A5 0.000000 0.000000 0.000000 0.000000 0.000000
A6 0.000000 (4.646642) 1,018.459762 1.018460 (4.646642)
A7 0.000000 0.000000 1,000.000000 1.000000 0.000000
A8 0.000000 0.000000 1,000.000000 1.000000 0.000000
A9 0.000000 0.000000 1,000.000000 1.000000 0.000000
A10 0.000000 0.000000 1,000.000000 1.000000 0.000000
A11 0.000000 0.000000 1,000.000000 1.000000 0.000000
A12 0.000000 0.000000 1,000.000000 1.000000 0.000000
A13 0.000000 0.000000 1,000.000000 1.000000 0.000000
A14 0.000000 0.000000 1,000.000000 1.000000 0.000000
AR 0.000000 0.000000 0.000000 0.000000 0.000000
30IO 0.000000 0.000000 0.000000 0.000000 0.000000
30PO 0.000000 1.279552 992.859786 0.992860 1.279552
B1 0.000000 1.093513 995.669397 0.995669 1.093513
B2 0.000000 1.093511 995.669396 0.995669 1.093511
B3 0.000000 1.093520 995.669405 0.995669 1.093520
B4 0.000000 1.093509 995.669386 0.995669 1.093509
B5 0.000000 1.093493 995.669389 0.995669 1.093493
B6 0.000000 1.093517 995.669827 0.995670 1.093517
<FN>
All classes are per 1,000 dollar denomination.
</FN>
Interest Distribution Statement
Class Accrual Accrual Current Beginning Current Payment of
Dates Days Certificate Certificate/ Accrued Unpaid Interest
Rate Notional Balance Interest Shortfall
<s> <c> <c> <c> <c> <c> <c>
A1 11/01/05 - 11/30/05 30 5.50000% 14,000,000.00 64,166.67 0.00
A2 11/25/05 - 12/24/05 30 4.69375% 19,212,029.88 75,147.05 0.00
A3 11/25/05 - 12/24/05 30 5.50000% 24,601,139.98 112,755.22 0.00
A4 11/25/05 - 12/24/05 30 5.50000% 73,927,369.99 338,833.78 0.00
A5 11/25/05 - 12/24/05 30 0.80625% 19,212,029.88 12,908.08 0.00
A6 11/25/05 - 12/24/05 30 5.50000% 2,602,458.27 11,927.93 0.00
A7 11/25/05 - 12/24/05 30 5.50000% 16,398,000.00 75,157.50 0.00
A8 11/25/05 - 12/24/05 30 5.50000% 21,693,000.00 99,426.25 0.00
A9 11/25/05 - 12/24/05 30 5.50000% 8,895,000.00 40,768.75 0.00
A10 11/25/05 - 12/24/05 30 5.50000% 1,849,000.00 8,474.58 0.00
A11 11/25/05 - 12/24/05 30 5.50000% 6,615,000.00 30,318.75 0.00
A12 11/25/05 - 12/24/05 30 5.50000% 10,000,000.00 45,833.33 0.00
A13 11/25/05 - 12/24/05 30 5.50000% 16,068,000.00 73,645.00 0.00
A14 11/25/05 - 12/24/05 30 5.50000% 1,000,000.00 4,583.33 0.00
AR N/A N/A 5.50000% 0.00 0.00 0.00
30IO 11/25/05 - 12/24/05 30 5.50000% 3,611,613.57 16,553.23 0.00
30PO N/A N/A 0.00000% 2,505,626.80 0.00 0.00
B1 11/01/05 - 11/30/05 30 5.50000% 4,096,695.56 18,776.52 0.00
B2 11/01/05 - 11/30/05 30 5.50000% 1,138,303.24 5,217.22 0.00
B3 11/01/05 - 11/30/05 30 5.50000% 569,151.62 2,608.61 0.00
B4 11/01/05 - 11/30/05 30 5.50000% 454,523.89 2,083.23 0.00
B5 11/01/05 - 11/30/05 30 5.50000% 228,258.71 1,046.19 0.00
B6 11/01/05 - 11/30/05 30 5.50000% 341,747.29 1,566.34 0.00
Totals 1,041,797.56 0.00
Interest Distribution Statement (continued)
Class Current Non-Supported Total Remaining Ending
Interest Interest Interest Unpaid Interest Certificate/Notional
Shortfall(1) Shortfall Distribution Shortfall(2) 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 75,147.05 0.00 19,107,912.38
A3 0.00 0.00 112,755.22 0.00 24,552,272.39
A4 0.00 0.00 338,833.78 0.00 73,809,675.40
A5 0.00 0.00 12,908.08 0.00 19,107,912.38
A6 0.00 0.00 11,927.93 0.00 2,614,386.21
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 16,553.23 0.00 3,607,393.81
30PO 0.00 0.00 0.00 0.00 2,502,401.82
B1 0.00 0.00 18,776.52 0.00 4,092,201.22
B2 0.00 0.00 5,217.22 0.00 1,137,054.45
B3 0.00 0.00 2,608.61 0.00 568,527.23
B4 0.00 0.00 2,083.23 0.00 454,025.24
B5 0.00 0.00 1,046.19 0.00 228,008.29
B6 0.00 0.00 1,566.34 0.00 341,372.37
Totals 0.00 0.00 1,041,797.56 0.00
<FN>
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable
</FN>
Interest Distribution Factors Statement
Class Accrual Original Current Beginning Current Payment of
Dates Face Certificate Certificate/Notional Accrued Unpaid Interest
Amount Rate Balance Interest Shortfall
<s> <c> <c> <c> <c> <c> <c>
A1 11/01/05 - 11/30/05 14,000,000.00 5.50000% 1000.000000 4.583334 0.000000
A2 11/25/05 - 12/24/05 20,000,000.00 4.69375% 960.601494 3.757353 0.000000
A3 11/25/05 - 12/24/05 25,000,000.00 5.50000% 984.045599 4.510209 0.000000
A4 11/25/05 - 12/24/05 74,888,000.00 5.50000% 987.172444 4.524540 0.000000
A5 11/25/05 - 12/24/05 0.00 0.80625% 960.601494 0.645404 0.000000
A6 11/25/05 - 12/24/05 2,567,000.00 5.50000% 1013.813116 4.646642 0.000000
A7 11/25/05 - 12/24/05 16,398,000.00 5.50000% 1000.000000 4.583333 0.000000
A8 11/25/05 - 12/24/05 21,693,000.00 5.50000% 1000.000000 4.583333 0.000000
A9 11/25/05 - 12/24/05 8,895,000.00 5.50000% 1000.000000 4.583333 0.000000
A10 11/25/05 - 12/24/05 1,849,000.00 5.50000% 1000.000000 4.583332 0.000000
A11 11/25/05 - 12/24/05 6,615,000.00 5.50000% 1000.000000 4.583333 0.000000
A12 11/25/05 - 12/24/05 10,000,000.00 5.50000% 1000.000000 4.583333 0.000000
A13 11/25/05 - 12/24/05 16,068,000.00 5.50000% 1000.000000 4.583333 0.000000
A14 11/25/05 - 12/24/05 1,000,000.00 5.50000% 1000.000000 4.583330 0.000000
AR N/A 100.00 5.50000% 0.000000 0.000000 0.000000
30IO 11/25/05 - 12/24/05 0.00 5.50000% 992.670049 4.549738 0.000000
30PO N/A 2,520,398.00 0.00000% 994.139338 0.000000 0.000000
B1 11/01/05 - 11/30/05 4,110,000.00 5.50000% 996.762910 4.568496 0.000000
B2 11/01/05 - 11/30/05 1,142,000.00 5.50000% 996.762907 4.568494 0.000000
B3 11/01/05 - 11/30/05 571,000.00 5.50000% 996.762907 4.568494 0.000000
B4 11/01/05 - 11/30/05 456,000.00 5.50000% 996.762917 4.568487 0.000000
B5 11/01/05 - 11/30/05 229,000.00 5.50000% 996.762926 4.568515 0.000000
B6 11/01/05 - 11/30/05 342,857.00 5.50000% 996.763344 4.568494 0.000000
Interest Distribution Factors Statement (continued)
Class Current Non-Supported Total Remaining Unpaid Ending
Interest Interest Interest Interest Certificate/
Shortfall(1) Shortfall Distribution Shortfall(2) Notional Balance
<s> <c> <c> <c> <c> <c>
A1 0.000000 0.000000 4.583334 0.000000 1000.000000
A2 0.000000 0.000000 3.757353 0.000000 955.395619
A3 0.000000 0.000000 4.510209 0.000000 982.090896
A4 0.000000 0.000000 4.524540 0.000000 985.600836
A5 0.000000 0.000000 0.645404 0.000000 955.395619
A6 0.000000 0.000000 4.646642 0.000000 1018.459762
A7 0.000000 0.000000 4.583333 0.000000 1000.000000
A8 0.000000 0.000000 4.583333 0.000000 1000.000000
A9 0.000000 0.000000 4.583333 0.000000 1000.000000
A10 0.000000 0.000000 4.583332 0.000000 1000.000000
A11 0.000000 0.000000 4.583333 0.000000 1000.000000
A12 0.000000 0.000000 4.583333 0.000000 1000.000000
A13 0.000000 0.000000 4.583333 0.000000 1000.000000
A14 0.000000 0.000000 4.583330 0.000000 1000.000000
AR 0.000000 0.000000 0.000000 0.000000 0.000000
30IO 0.000000 0.000000 4.549738 0.000000 991.510227
30PO 0.000000 0.000000 0.000000 0.000000 992.859786
B1 0.000000 0.000000 4.568496 0.000000 995.669397
B2 0.000000 0.000000 4.568494 0.000000 995.669396
B3 0.000000 0.000000 4.568494 0.000000 995.669405
B4 0.000000 0.000000 4.568487 0.000000 995.669386
B5 0.000000 0.000000 4.568515 0.000000 995.669389
B6 0.000000 0.000000 4.568494 0.000000 995.669827
<FN>
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable.
All classes are per 1,000 dollar denomination.
</FN>
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 1,360,180.53
Reserve Funds and Credit Enhancements 0.00
Proceeds from Repurchased Loans 0.00
Servicer Advances 0.00
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Swap/Cap Payments 0.00
Total Deposits 1,360,180.53
Withdrawals
Swap Payments 0.00
Reserve Funds and Credit Enhancements 0.00
Reimbursement for Servicer Advances 0.00
Total Administration Fees 48,914.73
Payment of Interest and Principal 1,311,265.80
Total Withdrawals (Pool Distribution Amount) 1,360,180.53
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
ADMINISTRATION FEES
<s> <c>
Gross Servicing Fee* 47,124.02
Trustee Fee - Wells Fargo Bank, N.A. 1,790.71
Supported Prepayment/Curtailment Interest Shortfall 0.00
Total Administration Fees 48,914.73
<FN>
*Servicer Payees include: BANK OF AMERICA (NY)
</FN>
Reserve Accounts
Account Name Beginning Current Withdrawals Current Deposits Ending Balance
Balance
<s> <c> <c> <c> <c>
Reserve Fund 0.00 0.00 0.00 0.00
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.786393%
Weighted Average Pass-Through Rate 5.526892%
Weighted Average Remaining Term 353
Beginning Scheduled Collateral Loan Count 461
Number Of Loans Paid In Full 0
Ending Scheduled Collateral Loan Count 461
Beginning Scheduled Collateral Balance 226,195,306.01
Ending Scheduled Collateral Balance 225,925,837.77
Ending Actual Collateral Balance at 30-Nov-2005 226,133,314.50
Monthly P&I Constant 1,338,968.29
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
Class A Optimal Amount 1,269,251.20
Class AP Deferred Amount 0.00
Scheduled Principal 248,255.90
Unscheduled Principal 21,212.34
Additional Reporting - Deal Level
Miscellaneous Reporting
<s> <c>
CPR 0.112600%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.947253%
Subordinate % 3.052747%
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 3 0 0 0 3
1,552,531.08 0.00 0.00 0.00 1,552,531.08
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 3 0 0 0 3
1,552,531.08 0.00 0.00 0.00 1,552,531.08
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 0.650759% 0.000000% 0.000000% 0.000000% 0.650759%
0.686556% 0.000000% 0.000000% 0.000000% 0.686556%
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 0.650759% 0.000000% 0.000000% 0.000000% 0.650759%
0.686556% 0.000000% 0.000000% 0.000000% 0.686556%
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 Jan-05 0.000%
Original Principal Balance 0.00 Feb-05 0.000%
Current Principal Balance 0.00 Mar-05 0.000%
Apr-05 0.000%
Current REO Total May-05 0.000%
Loans in REO 0 Jun-05 0.000%
Original Principal Balance 0.00 Jul-05 0.000%
Current Principal Balance 0.00 Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.000%
Dec-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 Jan-05 0.000%
Original Principal Balance 0.00 Feb-05 0.000%
Current Principal Balance 0.00 Mar-05 0.000%
Apr-05 0.000%
Current Foreclosure Total May-05 0.000%
Loans in Foreclosure 0 Jun-05 0.000%
Original Principal Balance 0.00 Jul-05 0.000%
Current Principal Balance 0.00 Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.000%
Dec-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.
Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period
Summary 12 Month Bankruptcy History*
New Bankruptcy Loans Month Bankruptcy Percentage
<s> <c> <s> <c>
Loans in Bankruptcy 0 Jan-05 0.000%
Original Principal Balance 0.00 Feb-05 0.000%
Current Principal Balance 0.00 Mar-05 0.000%
Apr-05 0.000%
Current Bankruptcy Total May-05 0.000%
Loans in Bankruptcy 0 Jun-05 0.000%
Original Principal Balance 0.00 Jul-05 0.000%
Current Principal Balance 0.00 Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.000%
Dec-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.
Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period
Group Loan Month Loan First State LTV at Original
Number Entered Payment Origination Principal
Bankruptcy Date Balance
<s> <c> <c> <c> <c> <c> <c>
No Bankruptcy Loans this Period
Bankruptcy Detail - All Mortgage Loans in Bankruptcy during Current Period (continued)
Group Loan Current Paid To Months Current Approximate
Number Principal Date Delinquent Loan Rate Delinquent
Balance Interest
<s> <c> <c> <c> <c> <c> <c>
No Bankruptcy Loans this Period
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>
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
Dec-2005 0.000% N/A Dec-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 www. monthly bond remittance report can be viewed online at
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>
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
Dec-2005 0.000% N/A Dec-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 www. monthly bond remittance report can be viewed online at
ctslink.com. www.ctslink.com.
<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>
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 21,212.34
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 0.009% Current Month 0.113% Current Month 15.927%
3 Month Average 0.077% 3 Month Average 0.909% 3 Month Average 181.819%
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>
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
Dec-2005 0.113% N/A Dec-2005 15.927% 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>
Modifications
Loan Beginning Current Prior Modified Prior Modified
Number Balance Balance Rate Rate Payment Payment
<s> <c> <c> <c> <c> <c> <c>
No Modifications this Period
Substitutions
Loans Repurchased Loans Substituted
Loan Current Current Current Loan Current Current Current
Number Balance Rate Payment Number Balance Rate Payment
<s> <c> <c> <c> <c> <c> <c> <c>
No Substitutions this Period
Repurchases
Loan Current Current Current
Number Balance Rate Payment
<s> <c> <c> <c>
No Repurchases this Period