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 2005-6
(Exact name of registrant as specified in its charter)
New York (governing law of 333-118843-27
Pooling and Servicing Agreement) (Commission 54-2176710
(State or other File Number) IRS EIN
jurisdiction
of Incorporation)
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 2005-6
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 2005-6 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 2005-6 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 2005-6 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 2005-6
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>
1-A-1 05949CCP9 5.50000% 26,313,000.00 120,601.25
1-A-2 05949CCQ7 5.00000% 1,000,000.00 4,166.67
1-A-3 05949CCR5 5.50000% 3,000,000.00 13,750.00
1-A-4 05949CCS3 6.00000% 1,000,000.00 5,000.00
1-A-5 05949CCT1 5.50000% 23,368,904.31 107,107.48
1-A-6 05949CCU8 5.25000% 5,359,000.00 23,445.63
1-A-7 05949CCV6 5.25000% 4,940,000.00 21,612.50
1-A-8 05949CCW4 5.25000% 5,817,000.00 25,449.38
1-A-9 05949CCX2 5.50000% 2,532,000.00 11,605.00
1-A-10 05949CCY0 5.50000% 2,817,000.00 12,911.25
1-A-11 05949CCZ7 5.50000% 3,129,000.00 14,341.25
1-A-12 05949CDA1 5.50000% 32,716,466.04 149,950.47
1-A-13 05949CDB9 5.25000% 570,000.00 2,493.75
1-A-14 05949CDC7 5.75000% 570,000.00 2,731.25
1-A-15 05949CDD5 5.50000% 1,385,000.00 6,347.92
1-A-16 05949CDE3 5.50000% 17,270,000.00 79,154.17
1-A-17 05949CDF0 5.50000% 118,506,849.19 543,156.39
1-A-18 05949CDG8 6.00000% 8,058,000.00 40,290.00
1-A-R 05949CDH6 5.50000% 0.00 0.06
2-A-1 05949CDK9 5.00000% 60,430,462.41 251,793.59
A-PO 05949CDM5 0.00000% 1,758,792.36 0.00
15-IO 05949CDL7 5.00000% 0.00 11,520.75
30-IO 05949CDJ2 5.50000% 0.00 31,201.20
30-B-1 05949CDN3 5.50000% 3,306,011.89 15,152.55
30-B-2 05949CDP8 5.50000% 1,377,504.96 6,313.56
30-B-3 05949CDQ6 5.50000% 826,502.97 3,788.14
30-B-4 05949CDU7 5.50000% 551,001.98 2,525.43
30-B-5 05949CDV5 5.50000% 275,500.99 1,262.71
30-B-6 05949CDW3 5.50000% 413,247.93 1,894.05
15-B-1 05949CDR4 5.00000% 391,335.54 1,630.56
15-B-2 05949CDS2 5.00000% 196,158.17 817.33
15-B-3 05949CDT0 5.00000% 130,445.18 543.52
15-B-4 05949CDX1 5.00000% 98,079.08 408.66
15-B-5 05949CDY9 5.00000% 65,712.99 273.80
15-B-6 05949CDZ6 5.00000% 98,075.18 408.65
Totals 328,271,051.17 1,513,648.92
Certificateholder Distribution Summary (continued)
Class Principal Current Ending Total Cummulative
Distribution Realized Certificate Distribution Realized
Loss Balance Losses
<s> <c> <c> <c> <c> <c>
1-A-1 0.00 0.00 26,313,000.00 120,601.25 0.00
1-A-2 0.00 0.00 1,000,000.00 4,166.67 0.00
1-A-3 0.00 0.00 3,000,000.00 13,750.00 0.00
1-A-4 0.00 0.00 1,000,000.00 5,000.00 0.00
1-A-5 393,574.88 0.00 22,975,329.43 500,682.36 0.00
1-A-6 0.00 0.00 5,359,000.00 23,445.63 0.00
1-A-7 0.00 0.00 4,940,000.00 21,612.50 0.00
1-A-8 0.00 0.00 5,817,000.00 25,449.38 0.00
1-A-9 0.00 0.00 2,532,000.00 11,605.00 0.00
1-A-10 0.00 0.00 2,817,000.00 12,911.25 0.00
1-A-11 0.00 0.00 3,129,000.00 14,341.25 0.00
1-A-12 551,004.84 0.00 32,165,461.20 700,955.31 0.00
1-A-13 0.00 0.00 570,000.00 2,493.75 0.00
1-A-14 0.00 0.00 570,000.00 2,731.25 0.00
1-A-15 0.00 0.00 1,385,000.00 6,347.92 0.00
1-A-16 0.00 0.00 17,270,000.00 79,154.17 0.00
1-A-17 1,525,984.62 0.00 116,980,864.57 2,069,141.01 0.00
1-A-18 0.00 0.00 8,058,000.00 40,290.00 0.00
1-A-R 0.00 0.00 0.00 0.06 0.00
2-A-1 318,583.23 0.00 60,111,879.18 570,376.82 0.00
A-PO 30,537.81 0.00 1,728,254.55 30,537.81 0.00
15-IO 0.00 0.00 0.00 11,520.75 0.00
30-IO 0.00 0.00 0.00 31,201.20 0.00
30-B-1 3,683.26 0.00 3,302,328.63 18,835.81 0.00
30-B-2 1,534.69 0.00 1,375,970.26 7,848.25 0.00
30-B-3 920.82 0.00 825,582.16 4,708.96 0.00
30-B-4 613.88 0.00 550,388.11 3,139.31 0.00
30-B-5 306.94 0.00 275,194.05 1,569.65 0.00
30-B-6 460.27 0.00 412,787.66 2,354.32 0.00
15-B-1 1,601.15 0.00 389,734.40 3,231.71 0.00
15-B-2 802.58 0.00 195,355.59 1,619.91 0.00
15-B-3 533.72 0.00 129,911.47 1,077.24 0.00
15-B-4 401.29 0.00 97,677.79 809.95 0.00
15-B-5 268.86 0.00 65,444.12 542.66 0.00
15-B-6 401.27 0.00 97,673.90 809.92 0.00
Totals 2,831,214.11 0.00 325,439,837.07 4,344,863.03 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>
1-A-1 26,313,000.00 26,313,000.00 0.00 0.00 0.00 0.00
1-A-2 1,000,000.00 1,000,000.00 0.00 0.00 0.00 0.00
1-A-3 3,000,000.00 3,000,000.00 0.00 0.00 0.00 0.00
1-A-4 1,000,000.00 1,000,000.00 0.00 0.00 0.00 0.00
1-A-5 25,000,000.00 23,368,904.31 45,853.42 347,721.46 0.00 0.00
1-A-6 5,359,000.00 5,359,000.00 0.00 0.00 0.00 0.00
1-A-7 4,940,000.00 4,940,000.00 0.00 0.00 0.00 0.00
1-A-8 5,817,000.00 5,817,000.00 0.00 0.00 0.00 0.00
1-A-9 2,532,000.00 2,532,000.00 0.00 0.00 0.00 0.00
1-A-10 2,817,000.00 2,817,000.00 0.00 0.00 0.00 0.00
1-A-11 3,129,000.00 3,129,000.00 0.00 0.00 0.00 0.00
1-A-12 35,000,000.00 32,716,466.04 64,194.79 486,810.04 0.00 0.00
1-A-13 570,000.00 570,000.00 0.00 0.00 0.00 0.00
1-A-14 570,000.00 570,000.00 0.00 0.00 0.00 0.00
1-A-15 1,385,000.00 1,385,000.00 0.00 0.00 0.00 0.00
1-A-16 17,270,000.00 17,270,000.00 0.00 0.00 0.00 0.00
1-A-17 124,831,000.00 118,506,849.19 177,784.77 1,348,199.85 0.00 0.00
1-A-18 8,058,000.00 8,058,000.00 0.00 0.00 0.00 0.00
1-A-R 100.00 0.00 0.00 0.00 0.00 0.00
2-A-1 65,393,000.00 60,430,462.41 247,250.68 71,332.56 0.00 0.00
A-PO 1,789,342.00 1,758,792.36 2,701.07 27,836.74 0.00 0.00
15-IO 0.00 0.00 0.00 0.00 0.00 0.00
30-IO 0.00 0.00 0.00 0.00 0.00 0.00
30-B-1 3,324,000.00 3,306,011.89 3,683.26 0.00 0.00 0.00
30-B-2 1,385,000.00 1,377,504.96 1,534.69 0.00 0.00 0.00
30-B-3 831,000.00 826,502.97 920.82 0.00 0.00 0.00
30-B-4 554,000.00 551,001.98 613.88 0.00 0.00 0.00
30-B-5 277,000.00 275,500.99 306.94 0.00 0.00 0.00
30-B-6 415,496.00 413,247.93 460.27 0.00 0.00 0.00
15-B-1 399,000.00 391,335.54 1,601.15 0.00 0.00 0.00
15-B-2 200,000.00 196,158.17 802.58 0.00 0.00 0.00
15-B-3 133,000.00 130,445.18 533.72 0.00 0.00 0.00
15-B-4 100,000.00 98,079.08 401.29 0.00 0.00 0.00
15-B-5 67,000.00 65,712.99 268.86 0.00 0.00 0.00
15-B-6 99,996.00 98,075.18 401.27 0.00 0.00 0.00
Totals 343,558,934.00 328,271,051.17 549,313.46 2,281,900.65 0.00 0.00
Principal Distribution Statement (continued)
Class Total Ending Ending Total
Principal Certificate Certificate Principal
Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
1-A-1 0.00 26,313,000.00 1.000000 0.00
1-A-2 0.00 1,000,000.00 1.000000 0.00
1-A-3 0.00 3,000,000.00 1.000000 0.00
1-A-4 0.00 1,000,000.00 1.000000 0.00
1-A-5 393,574.88 22,975,329.43 0.919013 393,574.88
1-A-6 0.00 5,359,000.00 1.000000 0.00
1-A-7 0.00 4,940,000.00 1.000000 0.00
1-A-8 0.00 5,817,000.00 1.000000 0.00
1-A-9 0.00 2,532,000.00 1.000000 0.00
1-A-10 0.00 2,817,000.00 1.000000 0.00
1-A-11 0.00 3,129,000.00 1.000000 0.00
1-A-12 551,004.84 32,165,461.20 0.919013 551,004.84
1-A-13 0.00 570,000.00 1.000000 0.00
1-A-14 0.00 570,000.00 1.000000 0.00
1-A-15 0.00 1,385,000.00 1.000000 0.00
1-A-16 0.00 17,270,000.00 1.000000 0.00
1-A-17 1,525,984.62 116,980,864.57 0.937114 1,525,984.62
1-A-18 0.00 8,058,000.00 1.000000 0.00
1-A-R 0.00 0.00 0.000000 0.00
2-A-1 318,583.23 60,111,879.18 0.919240 318,583.23
A-PO 30,537.81 1,728,254.55 0.965860 30,537.81
15-IO 0.00 0.00 0.000000 0.00
30-IO 0.00 0.00 0.000000 0.00
30-B-1 3,683.26 3,302,328.63 0.993480 3,683.26
30-B-2 1,534.69 1,375,970.26 0.993480 1,534.69
30-B-3 920.82 825,582.16 0.993480 920.82
30-B-4 613.88 550,388.11 0.993480 613.88
30-B-5 306.94 275,194.05 0.993480 306.94
30-B-6 460.27 412,787.66 0.993482 460.27
15-B-1 1,601.15 389,734.40 0.976778 1,601.15
15-B-2 802.58 195,355.59 0.976778 802.58
15-B-3 533.72 129,911.47 0.976778 533.72
15-B-4 401.29 97,677.79 0.976778 401.29
15-B-5 268.86 65,444.12 0.976778 268.86
15-B-6 401.27 97,673.90 0.976778 401.27
Totals 2,831,214.11 325,439,837.07 0.947261 2,831,214.11
Principal Distribution Factors Statement
Class Original Beginning Scheduled UnScheduled Accretion
Face Certificate Principal Principal
Amount Balance Distribution Distribution
<s> <c> <c> <c> <c> <c>
1-A-1 26,313,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-2 1,000,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-3 3,000,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-4 1,000,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-5 25,000,000.00 934.756172 1.834137 13.908858 0.000000
1-A-6 5,359,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-7 4,940,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-8 5,817,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-9 2,532,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-10 2,817,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-11 3,129,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-12 35,000,000.00 934.756173 1.834137 13.908858 0.000000
1-A-13 570,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-14 570,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-15 1,385,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-16 17,270,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-17 124,831,000.00 949.338299 1.424204 10.800201 0.000000
1-A-18 8,058,000.00 1000.000000 0.000000 0.000000 0.000000
1-A-R 100.00 0.000000 0.000000 0.000000 0.000000
2-A-1 65,393,000.00 924.112098 3.780996 1.090829 0.000000
A-PO 1,789,342.00 982.926886 1.509533 15.556970 0.000000
15-IO 0.00 0.000000 0.000000 0.000000 0.000000
30-IO 0.00 0.000000 0.000000 0.000000 0.000000
30-B-1 3,324,000.00 994.588415 1.108081 0.000000 0.000000
30-B-2 1,385,000.00 994.588419 1.108079 0.000000 0.000000
30-B-3 831,000.00 994.588412 1.108087 0.000000 0.000000
30-B-4 554,000.00 994.588412 1.108087 0.000000 0.000000
30-B-5 277,000.00 994.588412 1.108087 0.000000 0.000000
30-B-6 415,496.00 994.589430 1.107760 0.000000 0.000000
15-B-1 399,000.00 980.790827 4.012907 0.000000 0.000000
15-B-2 200,000.00 980.790850 4.012900 0.000000 0.000000
15-B-3 133,000.00 980.790827 4.012932 0.000000 0.000000
15-B-4 100,000.00 980.790800 4.012900 0.000000 0.000000
15-B-5 67,000.00 980.790896 4.012836 0.000000 0.000000
15-B-6 99,996.00 980.791032 4.012861 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>
1-A-1 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-2 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-3 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-4 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-5 0.000000 15.742995 919.013177 0.919013 15.742995
1-A-6 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-7 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-8 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-9 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-10 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-11 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-12 0.000000 15.742995 919.013177 0.919013 15.742995
1-A-13 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-14 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-15 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-16 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-17 0.000000 12.224404 937.113895 0.937114 12.224404
1-A-18 0.000000 0.000000 1,000.000000 1.000000 0.000000
1-A-R 0.000000 0.000000 0.000000 0.000000 0.000000
2-A-1 0.000000 4.871825 919.240273 0.919240 4.871825
A-PO 0.000000 17.066503 965.860383 0.965860 17.066503
15-IO 0.000000 0.000000 0.000000 0.000000 0.000000
30-IO 0.000000 0.000000 0.000000 0.000000 0.000000
30-B-1 0.000000 1.108081 993.480334 0.993480 1.108081
30-B-2 0.000000 1.108079 993.480332 0.993480 1.108079
30-B-3 0.000000 1.108087 993.480337 0.993480 1.108087
30-B-4 0.000000 1.108087 993.480343 0.993480 1.108087
30-B-5 0.000000 1.108087 993.480325 0.993480 1.108087
30-B-6 0.000000 1.107760 993.481670 0.993482 1.107760
15-B-1 0.000000 4.012907 976.777945 0.976778 4.012907
15-B-2 0.000000 4.012900 976.777950 0.976778 4.012900
15-B-3 0.000000 4.012932 976.777970 0.976778 4.012932
15-B-4 0.000000 4.012900 976.777900 0.976778 4.012900
15-B-5 0.000000 4.012836 976.777910 0.976778 4.012836
15-B-6 0.000000 4.012861 976.778071 0.976778 4.012861
<FN>
All Classes are per $1,000 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>
1-A-1 11/01/05 - 11/30/05 30 5.50000% 26,313,000.00 120,601.25 0.00
1-A-2 11/01/05 - 11/30/05 30 5.00000% 1,000,000.00 4,166.67 0.00
1-A-3 11/01/05 - 11/30/05 30 5.50000% 3,000,000.00 13,750.00 0.00
1-A-4 11/01/05 - 11/30/05 30 6.00000% 1,000,000.00 5,000.00 0.00
1-A-5 11/01/05 - 11/30/05 30 5.50000% 23,368,904.31 107,107.48 0.00
1-A-6 11/01/05 - 11/30/05 30 5.25000% 5,359,000.00 23,445.63 0.00
1-A-7 11/01/05 - 11/30/05 30 5.25000% 4,940,000.00 21,612.50 0.00
1-A-8 11/01/05 - 11/30/05 30 5.25000% 5,817,000.00 25,449.38 0.00
1-A-9 11/01/05 - 11/30/05 30 5.50000% 2,532,000.00 11,605.00 0.00
1-A-10 11/01/05 - 11/30/05 30 5.50000% 2,817,000.00 12,911.25 0.00
1-A-11 11/01/05 - 11/30/05 30 5.50000% 3,129,000.00 14,341.25 0.00
1-A-12 11/01/05 - 11/30/05 30 5.50000% 32,716,466.04 149,950.47 0.00
1-A-13 11/01/05 - 11/30/05 30 5.25000% 570,000.00 2,493.75 0.00
1-A-14 11/01/05 - 11/30/05 30 5.75000% 570,000.00 2,731.25 0.00
1-A-15 11/01/05 - 11/30/05 30 5.50000% 1,385,000.00 6,347.92 0.00
1-A-16 11/01/05 - 11/30/05 30 5.50000% 17,270,000.00 79,154.17 0.00
1-A-17 11/01/05 - 11/30/05 30 5.50000% 118,506,849.19 543,156.39 0.00
1-A-18 11/01/05 - 11/30/05 30 6.00000% 8,058,000.00 40,290.00 0.00
1-A-R N/A N/A 5.50000% 0.00 0.00 0.00
2-A-1 11/01/05 - 11/30/05 30 5.00000% 60,430,462.41 251,793.59 0.00
A-PO N/A N/A 0.00000% 1,758,792.36 0.00 0.00
15-IO 11/01/05 - 11/30/05 30 5.00000% 2,764,980.87 11,520.75 0.00
30-IO 11/01/05 - 11/30/05 30 5.50000% 6,807,534.62 31,201.20 0.00
30-B-1 11/01/05 - 11/30/05 30 5.50000% 3,306,011.89 15,152.55 0.00
30-B-2 11/01/05 - 11/30/05 30 5.50000% 1,377,504.96 6,313.56 0.00
30-B-3 11/01/05 - 11/30/05 30 5.50000% 826,502.97 3,788.14 0.00
30-B-4 11/01/05 - 11/30/05 30 5.50000% 551,001.98 2,525.43 0.00
30-B-5 11/01/05 - 11/30/05 30 5.50000% 275,500.99 1,262.71 0.00
30-B-6 11/01/05 - 11/30/05 30 5.50000% 413,247.93 1,894.05 0.00
15-B-1 11/01/05 - 11/30/05 30 5.00000% 391,335.54 1,630.56 0.00
15-B-2 11/01/05 - 11/30/05 30 5.00000% 196,158.17 817.33 0.00
15-B-3 11/01/05 - 11/30/05 30 5.00000% 130,445.18 543.52 0.00
15-B-4 11/01/05 - 11/30/05 30 5.00000% 98,079.08 408.66 0.00
15-B-5 11/01/05 - 11/30/05 30 5.00000% 65,712.99 273.80 0.00
15-B-6 11/01/05 - 11/30/05 30 5.00000% 98,075.18 408.65 0.00
Totals 1,513,648.86 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>
1-A-1 0.00 0.00 120,601.25 0.00 26,313,000.00
1-A-2 0.00 0.00 4,166.67 0.00 1,000,000.00
1-A-3 0.00 0.00 13,750.00 0.00 3,000,000.00
1-A-4 0.00 0.00 5,000.00 0.00 1,000,000.00
1-A-5 0.00 0.00 107,107.48 0.00 22,975,329.43
1-A-6 0.00 0.00 23,445.63 0.00 5,359,000.00
1-A-7 0.00 0.00 21,612.50 0.00 4,940,000.00
1-A-8 0.00 0.00 25,449.38 0.00 5,817,000.00
1-A-9 0.00 0.00 11,605.00 0.00 2,532,000.00
1-A-10 0.00 0.00 12,911.25 0.00 2,817,000.00
1-A-11 0.00 0.00 14,341.25 0.00 3,129,000.00
1-A-12 0.00 0.00 149,950.47 0.00 32,165,461.20
1-A-13 0.00 0.00 2,493.75 0.00 570,000.00
1-A-14 0.00 0.00 2,731.25 0.00 570,000.00
1-A-15 0.00 0.00 6,347.92 0.00 1,385,000.00
1-A-16 0.00 0.00 79,154.17 0.00 17,270,000.00
1-A-17 0.00 0.00 543,156.39 0.00 116,980,864.57
1-A-18 0.00 0.00 40,290.00 0.00 8,058,000.00
1-A-R 0.00 0.00 0.06 0.00 0.00
2-A-1 0.00 0.00 251,793.59 0.00 60,111,879.18
A-PO 0.00 0.00 0.00 0.00 1,728,254.55
15-IO 0.00 0.00 11,520.75 0.00 2,747,211.27
30-IO 0.00 0.00 31,201.20 0.00 6,728,974.41
30-B-1 0.00 0.00 15,152.55 0.00 3,302,328.63
30-B-2 0.00 0.00 6,313.56 0.00 1,375,970.26
30-B-3 0.00 0.00 3,788.14 0.00 825,582.16
30-B-4 0.00 0.00 2,525.43 0.00 550,388.11
30-B-5 0.00 0.00 1,262.71 0.00 275,194.05
30-B-6 0.00 0.00 1,894.05 0.00 412,787.66
15-B-1 0.00 0.00 1,630.56 0.00 389,734.40
15-B-2 0.00 0.00 817.33 0.00 195,355.59
15-B-3 0.00 0.00 543.52 0.00 129,911.47
15-B-4 0.00 0.00 408.66 0.00 97,677.79
15-B-5 0.00 0.00 273.80 0.00 65,444.12
15-B-6 0.00 0.00 408.65 0.00 97,673.90
Totals 0.00 0.00 1,513,648.92 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>
1-A-1 11/01/05 - 11/30/05 26,313,000.00 5.50000% 1000.000000 4.583333 0.000000
1-A-2 11/01/05 - 11/30/05 1,000,000.00 5.00000% 1000.000000 4.166670 0.000000
1-A-3 11/01/05 - 11/30/05 3,000,000.00 5.50000% 1000.000000 4.583333 0.000000
1-A-4 11/01/05 - 11/30/05 1,000,000.00 6.00000% 1000.000000 5.000000 0.000000
1-A-5 11/01/05 - 11/30/05 25,000,000.00 5.50000% 934.756172 4.284299 0.000000
1-A-6 11/01/05 - 11/30/05 5,359,000.00 5.25000% 1000.000000 4.375001 0.000000
1-A-7 11/01/05 - 11/30/05 4,940,000.00 5.25000% 1000.000000 4.375000 0.000000
1-A-8 11/01/05 - 11/30/05 5,817,000.00 5.25000% 1000.000000 4.375001 0.000000
1-A-9 11/01/05 - 11/30/05 2,532,000.00 5.50000% 1000.000000 4.583333 0.000000
1-A-10 11/01/05 - 11/30/05 2,817,000.00 5.50000% 1000.000000 4.583333 0.000000
1-A-11 11/01/05 - 11/30/05 3,129,000.00 5.50000% 1000.000000 4.583333 0.000000
1-A-12 11/01/05 - 11/30/05 35,000,000.00 5.50000% 934.756173 4.284299 0.000000
1-A-13 11/01/05 - 11/30/05 570,000.00 5.25000% 1000.000000 4.375000 0.000000
1-A-14 11/01/05 - 11/30/05 570,000.00 5.75000% 1000.000000 4.791667 0.000000
1-A-15 11/01/05 - 11/30/05 1,385,000.00 5.50000% 1000.000000 4.583336 0.000000
1-A-16 11/01/05 - 11/30/05 17,270,000.00 5.50000% 1000.000000 4.583334 0.000000
1-A-17 11/01/05 - 11/30/05 124,831,000.00 5.50000% 949.338299 4.351134 0.000000
1-A-18 11/01/05 - 11/30/05 8,058,000.00 6.00000% 1000.000000 5.000000 0.000000
1-A-R N/A 100.00 5.50000% 0.000000 0.000000 0.000000
2-A-1 11/01/05 - 11/30/05 65,393,000.00 5.00000% 924.112098 3.850467 0.000000
A-PO N/A 1,789,342.00 0.00000% 982.926886 0.000000 0.000000
15-IO 11/01/05 - 11/30/05 0.00 5.00000% 887.299328 3.697079 0.000000
30-IO 11/01/05 - 11/30/05 0.00 5.50000% 937.169634 4.295361 0.000000
30-B-1 11/01/05 - 11/30/05 3,324,000.00 5.50000% 994.588415 4.558529 0.000000
30-B-2 11/01/05 - 11/30/05 1,385,000.00 5.50000% 994.588419 4.558527 0.000000
30-B-3 11/01/05 - 11/30/05 831,000.00 5.50000% 994.588412 4.558532 0.000000
30-B-4 11/01/05 - 11/30/05 554,000.00 5.50000% 994.588412 4.558538 0.000000
30-B-5 11/01/05 - 11/30/05 277,000.00 5.50000% 994.588412 4.558520 0.000000
30-B-6 11/01/05 - 11/30/05 415,496.00 5.50000% 994.589430 4.558528 0.000000
15-B-1 11/01/05 - 11/30/05 399,000.00 5.00000% 980.790827 4.086617 0.000000
15-B-2 11/01/05 - 11/30/05 200,000.00 5.00000% 980.790850 4.086650 0.000000
15-B-3 11/01/05 - 11/30/05 133,000.00 5.00000% 980.790827 4.086617 0.000000
15-B-4 11/01/05 - 11/30/05 100,000.00 5.00000% 980.790800 4.086600 0.000000
15-B-5 11/01/05 - 11/30/05 67,000.00 5.00000% 980.790896 4.086567 0.000000
15-B-6 11/01/05 - 11/30/05 99,996.00 5.00000% 980.791032 4.086663 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>
1-A-1 0.000000 0.000000 4.583333 0.000000 1000.000000
1-A-2 0.000000 0.000000 4.166670 0.000000 1000.000000
1-A-3 0.000000 0.000000 4.583333 0.000000 1000.000000
1-A-4 0.000000 0.000000 5.000000 0.000000 1000.000000
1-A-5 0.000000 0.000000 4.284299 0.000000 919.013177
1-A-6 0.000000 0.000000 4.375001 0.000000 1000.000000
1-A-7 0.000000 0.000000 4.375000 0.000000 1000.000000
1-A-8 0.000000 0.000000 4.375001 0.000000 1000.000000
1-A-9 0.000000 0.000000 4.583333 0.000000 1000.000000
1-A-10 0.000000 0.000000 4.583333 0.000000 1000.000000
1-A-11 0.000000 0.000000 4.583333 0.000000 1000.000000
1-A-12 0.000000 0.000000 4.284299 0.000000 919.013177
1-A-13 0.000000 0.000000 4.375000 0.000000 1000.000000
1-A-14 0.000000 0.000000 4.791667 0.000000 1000.000000
1-A-15 0.000000 0.000000 4.583336 0.000000 1000.000000
1-A-16 0.000000 0.000000 4.583334 0.000000 1000.000000
1-A-17 0.000000 0.000000 4.351134 0.000000 937.113895
1-A-18 0.000000 0.000000 5.000000 0.000000 1000.000000
1-A-R 0.000000 0.000000 0.600000 0.000000 0.000000
2-A-1 0.000000 0.000000 3.850467 0.000000 919.240273
A-PO 0.000000 0.000000 0.000000 0.000000 965.860383
15-IO 0.000000 0.000000 3.697079 0.000000 881.596954
30-IO 0.000000 0.000000 4.295361 0.000000 926.354523
30-B-1 0.000000 0.000000 4.558529 0.000000 993.480334
30-B-2 0.000000 0.000000 4.558527 0.000000 993.480332
30-B-3 0.000000 0.000000 4.558532 0.000000 993.480337
30-B-4 0.000000 0.000000 4.558538 0.000000 993.480343
30-B-5 0.000000 0.000000 4.558520 0.000000 993.480325
30-B-6 0.000000 0.000000 4.558528 0.000000 993.481670
15-B-1 0.000000 0.000000 4.086617 0.000000 976.777945
15-B-2 0.000000 0.000000 4.086650 0.000000 976.777950
15-B-3 0.000000 0.000000 4.086617 0.000000 976.777970
15-B-4 0.000000 0.000000 4.086600 0.000000 976.777900
15-B-5 0.000000 0.000000 4.086567 0.000000 976.777910
15-B-6 0.000000 0.000000 4.086663 0.000000 976.778071
<FN>
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable.
All Classes are per $1,000 denomination.
</FN>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<s> <c> <c> <c> <c> <c> <c>
30-PO 0.00000% 0.00 0.00 1,590,505.52 1,560,751.60 97.39023759%
15-PO 0.00000% 0.00 0.00 168,286.84 167,502.95 89.68551725%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 4,415,030.97
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 4,415,030.97
Withdrawals
Swap Payments 0.00
Reserve Funds and Credit Enhancements 0.00
Total Administration Fees 70,167.94
Payment of Interest and Principal 4,344,863.03
Total Withdrawals (Pool Distribution Amount) 4,415,030.97
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* 68,389.81
Trustee Fee - Wells Fargo Bank, N.A. 1,778.13
Supported Prepayment/Curtailment Interest Shortfall 0.00
Total Administration Fees 70,167.94
<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 999.99 0.00 0.00 999.99
Reserve Fund 999.99 0.00 0.00 999.99
Reserve Fund 999.99 0.00 0.00 999.99
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.789667%
Weighted Average Pass-Through Rate 5.533167%
Weighted Average Remaining Term 316
Beginning Scheduled Collateral Loan Count 683
Number Of Loans Paid In Full 6
Ending Scheduled Collateral Loan Count 677
Beginning Scheduled Collateral Balance 328,271,052.63
Ending Scheduled Collateral Balance 325,439,838.38
Ending Actual Collateral Balance at 30-Nov-2005 325,904,555.29
Monthly P&I Constant 2,133,130.32
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 Non-PO Optimal Amount 4,237,239.66
Class AP Deferred Amount 0.00
Scheduled Principal 549,313.60
Unscheduled Principal 2,281,900.65
Group Level Collateral Statement
<s> <c> <c>
Group 1-30 Year Fixed 2-15 Year Fixed Total
Collateral Description Fixed 30 Year Fixed 15 Year Mixed Fixed
Weighted Average Coupon Rate 5.864090 5.467344 5.789667
Weighted Average Net Rate 5.614090 5.217344 5.539667
Weighted Average Remaining Term 350 171 316
Beginning Loan Count 561 122 683
Loans Paid In Full 5 1 6
Ending Loan Count 556 121 677
Beginning Scheduled Balance 266,692,495.96 61,578,556.67 328,271,052.63
Ending Scheduled Balance 264,184,657.71 61,255,180.67 325,439,838.38
Record Date 11/30/2005 11/30/2005 11/30/2005
Principal And Interest Constant 1,600,529.45 532,600.87 2,133,130.32
Scheduled Principal 297,272.02 252,041.58 549,313.60
Unscheduled Principal 2,210,566.23 71,334.42 2,281,900.65
Scheduled Interest 1,303,257.43 280,559.29 1,583,816.72
Servicing Fee 55,560.94 12,828.87 68,389.81
Master Servicing Fee 0.00 0.00 0.00
Trustee Fee 1,444.58 333.55 1,778.13
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 1,246,251.91 267,396.87 1,513,648.78
Realized Loss Amount 0.00 0.00 0.00
Cumulative Realized Loss 0.00 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000 0.0000
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
Pass-Through Rate 5.607590 5.210844 5.533167
<FN>
</FN>
Additional Reporting - Deal Level
Miscellaneous Reporting
<s> <c>
Senior % 97.632684%
Subordinate % 2.367316%
Additional Reporting - Group Level
Miscellaneous Reporting
<s> <c>
1-30 Year Fixed
CPR 9.515560%
Subordinate % 2.546103%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.453897%
2-15 Year Fixed
CPR 1.386933%
Subordinate % 1.595510%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 98.404490%
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 5 0 0 0 5
2,261,291.83 0.00 0.00 0.00 2,261,291.83
60 Days 2 0 0 0 2
952,854.62 0.00 0.00 0.00 952,854.62
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 7 0 0 0 7
3,214,146.45 0.00 0.00 0.00 3,214,146.45
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 0.738552% 0.000000% 0.000000% 0.000000% 0.738552%
0.693851% 0.000000% 0.000000% 0.000000% 0.693851%
60 Days 0.295421% 0.000000% 0.000000% 0.000000% 0.295421%
0.292372% 0.000000% 0.000000% 0.000000% 0.292372%
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 1.033973% 0.000000% 0.000000% 0.000000% 1.033973%
0.986223% 0.000000% 0.000000% 0.000000% 0.986223%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 20,648.88
Delinquency Status By Group
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
1-30 Year Fixed
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 4 0 0 0 4
1,855,314.84 0.00 0.00 0.00 1,855,314.84
60 Days 1 0 0 0 1
410,904.26 0.00 0.00 0.00 410,904.26
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 5 0 0 0 5
2,266,219.10 0.00 0.00 0.00 2,266,219.10
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.719424% 0.000000% 0.000000% 0.000000% 0.719424%
0.701626% 0.000000% 0.000000% 0.000000% 0.701626%
60 Days 0.179856% 0.000000% 0.000000% 0.000000% 0.179856%
0.155392% 0.000000% 0.000000% 0.000000% 0.155392%
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 0.899281% 0.000000% 0.000000% 0.000000% 0.899281%
0.857019% 0.000000% 0.000000% 0.000000% 0.857019%
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
2-15 Year Fixed
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 1 0 0 0 1
405,976.99 0.00 0.00 0.00 405,976.99
60 Days 1 0 0 0 1
541,950.36 0.00 0.00 0.00 541,950.36
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 2 0 0 0 2
947,927.35 0.00 0.00 0.00 947,927.35
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.826446% 0.000000% 0.000000% 0.000000% 0.826446%
0.660405% 0.000000% 0.000000% 0.000000% 0.660405%
60 Days 0.826446% 0.000000% 0.000000% 0.000000% 0.826446%
0.881593% 0.000000% 0.000000% 0.000000% 0.881593%
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 1.652893% 0.000000% 0.000000% 0.000000% 1.652893%
1.541998% 0.000000% 0.000000% 0.000000% 1.541998%
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.
1-30 Year Fixed 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.
2-15 Year Fixed 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.
1-30 Year Fixed 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.
2-15 Year Fixed 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.
1-30 Year Fixed 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.
2-15 Year Fixed 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>
1-30 Year Fixed 0 0.00 0.00 0.000%
2-15 Year Fixed 0 0.00 0.00 0.000%
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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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.
1-30 Year Fixed
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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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.
2-15 Year Fixed
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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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 0.000% N/A Jul-2005 0.000% N/A
Aug-2005 0.000% N/A Aug-2005 0.000% 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>
1-30 Year Fixed 5 2,104,185.00 1,991,690.10 0 0.00 0.00
2-15 Year Fixed 1 500,000.00 65,862.36 0 0.00 0.00
Total 6 2,604,185.00 2,057,552.46 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>
1-30 Year Fixed 0 0.00 0.00 0 0.00 0.00 221,562.04
2-15 Year Fixed 0 0.00 0.00 0 0.00 0.00 9,308.53
Total 0 0.00 0.00 0 0.00 0.00 230,870.57
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>
1-30 Year Fixed 3301656868 CA 48.40 01-Jun-2005 363,000.00 360,244.95
1-30 Year Fixed 3301804054 NH 67.65 01-Jun-2005 446,500.00 443,189.46
1-30 Year Fixed 3302036268 VA 62.62 01-Jul-2005 422,685.00 420,128.47
1-30 Year Fixed 6691600735 CA 53.50 01-Jun-2005 404,000.00 401,274.38
1-30 Year Fixed 6871264971 MD 80.00 01-Jul-2005 468,000.00 364,166.93
2-15 Year Fixed 3302104447 FL 53.19 01-Jul-2005 500,000.00 62,025.89
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>
1-30 Year Fixed 3301656868 Loan Paid in Full 0 5.625% 360 6
1-30 Year Fixed 3301804054 Loan Paid in Full 0 5.750% 360 6
1-30 Year Fixed 3302036268 Loan Paid in Full (1) 6.000% 360 5
1-30 Year Fixed 6691600735 Loan Paid in Full 0 6.250% 360 6
1-30 Year Fixed 6871264971 Loan Paid in Full 0 6.000% 360 5
2-15 Year Fixed 3302104447 Loan Paid in Full 0 5.750% 180 5
Prepayment - Voluntary Prepayments
Summary
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.696% Current Month 8.043% Current Month 671.425%
3 Month Average 0.715% 3 Month Average 8.242% 3 Month Average 837.664%
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 2.814% N/A Jul-2005 1,435.856% N/A
Aug-2005 16.977% N/A Aug-2005 4,279.989% N/A
Sep-2005 5.829% N/A Sep-2005 976.679% N/A
Oct-2005 6.704% N/A Oct-2005 840.948% N/A
Nov-2005 9.978% N/A Nov-2005 1,000.619% N/A
Dec-2005 8.043% N/A Dec-2005 671.425% 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.
1-30 Year Fixed
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.830% Current Month 9.516% Current Month 787.656%
3 Month Average 0.743% 3 Month Average 8.558% 3 Month Average 856.981%
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 2.118% N/A Jul-2005 1,026.178% N/A
Aug-2005 12.794% N/A Aug-2005 3,143.680% N/A
Sep-2005 6.027% N/A Sep-2005 992.941% N/A
Oct-2005 7.288% N/A Oct-2005 902.514% N/A
Nov-2005 8.872% N/A Nov-2005 880.772% N/A
Dec-2005 9.516% N/A Dec-2005 787.656% 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.
2-15 Year Fixed
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.116% Current Month 1.387% Current Month 120.202%
3 Month Average 0.592% 3 Month Average 6.715% 3 Month Average 734.340%
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 5.667% N/A Jul-2005 3,721.767% N/A
Aug-2005 32.597% N/A Aug-2005 9,250.783% N/A
Sep-2005 4.972% N/A Sep-2005 899.081% N/A
Oct-2005 4.151% N/A Oct-2005 551.313% N/A
Nov-2005 14.606% N/A Nov-2005 1,531.505% N/A
Dec-2005 1.387% N/A Dec-2005 120.202% 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