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 ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2005-8
(Exact name of registrant as specified in its charter)
New York (governing law of 333-118843-33
Pooling and Servicing Agreement) (Commission 54-2182230
(State or other File Number) 54-2182231
jurisdiction 54-2182232
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
ALTERNATIVE LOAN TRUST, 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 ALTERNATIVE LOAN TRUST
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: 12/30/2005
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 Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 11/30/2005
Distribution Date: 12/27/2005
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Series 2005-8
Contact: Customer Service - CTSLink
Wells Fargo Bank, N.A.
Securities Administration Services
7485 New Horizon Way
Frederick, MD 21703
www.ctslink.com
Telephone: (301) 815-6600
Fax: (301) 815-6660
Certificateholder Distribution Summary
Class CUSIP Certificate Beginning Interest
Pass-Through Certificate Distribution
Rate Balance
<s> <c> <c> <c> <c>
1-CB-1 05948KK32 4.49375% 66,916,781.41 250,589.41
1-CB-2 05948KK40 7.71375% 59,415,756.66 381,931.91
1-CB-3 05948KK57 4.44375% 69,245,098.38 256,423.25
1-CB-4 05948KK65 0.05000% 0.00 2,885.21
1-CB-5 05948KK73 0.00000% 0.00 0.00
1-CB-6 05948KK81 7.71375% 2,476,006.87 15,916.08
1-CB-R 05948KK99 5.50000% 0.00 1.83
2-CB-1 05948KL23 6.00000% 55,194,838.63 275,974.19
3-CB-1 05948KL31 6.00000% 32,105,951.49 160,529.76
4-A-1 05948KL56 5.00000% 35,022,970.70 145,929.04
5-A-1 05948KL64 5.50000% 49,942,550.50 228,903.36
15-IO 05948KL72 5.50000% 0.00 14,601.20
CB-IO 05948KL49 5.50000% 0.00 36,297.38
A-PO 05948KL80 0.00000% 1,798,806.06 0.00
B-1 05948KL98 5.57131% 5,658,624.78 26,271.61
B-2 05948KM22 5.57131% 2,535,732.67 11,772.78
B-3 05948KM30 5.57131% 1,950,563.59 9,055.99
B-4 05948KM48 5.57131% 1,366,389.70 6,343.81
B-5 05948KM55 5.57131% 975,281.79 4,527.99
B-6 05948KM63 5.57131% 975,479.93 4,528.91
Totals 385,580,833.16 1,832,483.71
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-CB-1 439,802.11 0.00 66,476,979.29 690,391.52 0.00
1-CB-2 390,502.57 0.00 59,025,254.09 772,434.48 0.00
1-CB-3 455,104.68 0.00 68,789,993.69 711,527.93 0.00
1-CB-4 0.00 0.00 0.00 2,885.21 0.00
1-CB-5 0.00 0.00 0.00 0.00 0.00
1-CB-6 16,273.24 0.00 2,459,733.63 32,189.32 0.00
1-CB-R 0.00 0.00 0.00 1.83 0.00
2-CB-1 755,615.60 0.00 54,439,223.03 1,031,589.79 0.00
3-CB-1 257,857.37 0.00 31,848,094.11 418,387.13 0.00
4-A-1 253,861.44 0.00 34,769,109.26 399,790.48 0.00
5-A-1 253,970.13 0.00 49,688,580.37 482,873.49 0.00
15-IO 0.00 0.00 0.00 14,601.20 0.00
CB-IO 0.00 0.00 0.00 36,297.38 0.00
A-PO 2,961.56 0.00 1,795,844.51 2,961.56 0.00
B-1 9,237.42 0.00 5,649,387.36 35,509.03 0.00
B-2 4,139.46 0.00 2,531,593.21 15,912.24 0.00
B-3 3,184.20 0.00 1,947,379.39 12,240.19 0.00
B-4 2,230.56 0.00 1,364,159.13 8,574.37 0.00
B-5 1,592.10 0.00 973,689.70 6,120.09 0.00
B-6 1,592.42 0.00 973,887.50 6,121.33 0.00
Totals 2,847,924.86 0.00 382,732,908.27 4,680,408.57 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-CB-1 67,646,300.00 66,916,781.41 70,699.57 369,102.55 0.00 0.00
1-CB-2 60,063,500.00 59,415,756.66 62,774.51 327,728.06 0.00 0.00
1-CB-3 70,000,000.00 69,245,098.38 73,159.50 381,945.18 0.00 0.00
1-CB-4 0.00 0.00 0.00 0.00 0.00 0.00
1-CB-5 0.00 0.00 0.00 0.00 0.00 0.00
1-CB-6 2,503,000.00 2,476,006.87 2,615.97 13,657.27 0.00 0.00
1-CB-R 100.00 0.00 0.00 0.00 0.00 0.00
2-CB-1 56,387,000.00 55,194,838.63 51,976.62 703,638.98 0.00 0.00
3-CB-1 32,777,000.00 32,105,951.49 30,926.85 226,930.52 0.00 0.00
4-A-1 35,461,000.00 35,022,970.70 131,043.58 122,817.86 0.00 0.00
5-A-1 51,842,000.00 49,942,550.50 181,052.83 72,917.30 0.00 0.00
15-IO 0.00 0.00 0.00 0.00 0.00 0.00
CB-IO 0.00 0.00 0.00 0.00 0.00 0.00
A-PO 1,818,715.00 1,798,806.06 2,552.00 409.56 0.00 0.00
B-1 5,686,000.00 5,658,624.78 9,237.42 0.00 0.00 0.00
B-2 2,548,000.00 2,535,732.67 4,139.46 0.00 0.00 0.00
B-3 1,960,000.00 1,950,563.59 3,184.20 0.00 0.00 0.00
B-4 1,373,000.00 1,366,389.70 2,230.56 0.00 0.00 0.00
B-5 980,000.00 975,281.79 1,592.10 0.00 0.00 0.00
B-6 980,199.00 975,479.93 1,592.42 0.00 0.00 0.00
Totals 392,025,814.00 385,580,833.16 628,777.59 2,219,147.28 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-CB-1 439,802.11 66,476,979.29 0.982714 439,802.11
1-CB-2 390,502.57 59,025,254.09 0.982714 390,502.57
1-CB-3 455,104.68 68,789,993.69 0.982714 455,104.68
1-CB-4 0.00 0.00 0.000000 0.00
1-CB-5 0.00 0.00 0.000000 0.00
1-CB-6 16,273.24 2,459,733.63 0.982714 16,273.24
1-CB-R 0.00 0.00 0.000000 0.00
2-CB-1 755,615.60 54,439,223.03 0.965457 755,615.60
3-CB-1 257,857.37 31,848,094.11 0.971660 257,857.37
4-A-1 253,861.44 34,769,109.26 0.980489 253,861.44
5-A-1 253,970.13 49,688,580.37 0.958462 253,970.13
15-IO 0.00 0.00 0.000000 0.00
CB-IO 0.00 0.00 0.000000 0.00
A-PO 2,961.56 1,795,844.51 0.987425 2,961.56
B-1 9,237.42 5,649,387.36 0.993561 9,237.42
B-2 4,139.46 2,531,593.21 0.993561 4,139.46
B-3 3,184.20 1,947,379.39 0.993561 3,184.20
B-4 2,230.56 1,364,159.13 0.993561 2,230.56
B-5 1,592.10 973,689.70 0.993561 1,592.10
B-6 1,592.42 973,887.50 0.993561 1,592.42
Totals 2,847,924.86 382,732,908.27 0.976295 2,847,924.86
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-CB-1 67,646,300.00 989.215691 1.045136 5.456360 0.000000
1-CB-2 60,063,500.00 989.215691 1.045136 5.456360 0.000000
1-CB-3 70,000,000.00 989.215691 1.045136 5.456360 0.000000
1-CB-4 0.00 0.000000 0.000000 0.000000 0.000000
1-CB-5 0.00 0.000000 0.000000 0.000000 0.000000
1-CB-6 2,503,000.00 989.215689 1.045134 5.456360 0.000000
1-CB-R 100.00 0.000000 0.000000 0.000000 0.000000
2-CB-1 56,387,000.00 978.857514 0.921784 12.478745 0.000000
3-CB-1 32,777,000.00 979.526848 0.943553 6.923468 0.000000
4-A-1 35,461,000.00 987.647576 3.695428 3.463463 0.000000
5-A-1 51,842,000.00 963.360798 3.492397 1.406529 0.000000
15-IO 0.00 0.000000 0.000000 0.000000 0.000000
CB-IO 0.00 0.000000 0.000000 0.000000 0.000000
A-PO 1,818,715.00 989.053293 1.403189 0.225192 0.000000
B-1 5,686,000.00 995.185505 1.624590 0.000000 0.000000
B-2 2,548,000.00 995.185506 1.624592 0.000000 0.000000
B-3 1,960,000.00 995.185505 1.624592 0.000000 0.000000
B-4 1,373,000.00 995.185506 1.624588 0.000000 0.000000
B-5 980,000.00 995.185500 1.624592 0.000000 0.000000
B-6 980,199.00 995.185600 1.624588 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-CB-1 0.000000 6.501495 982.714196 0.982714 6.501495
1-CB-2 0.000000 6.501495 982.714196 0.982714 6.501495
1-CB-3 0.000000 6.501495 982.714196 0.982714 6.501495
1-CB-4 0.000000 0.000000 0.000000 0.000000 0.000000
1-CB-5 0.000000 0.000000 0.000000 0.000000 0.000000
1-CB-6 0.000000 6.501494 982.714195 0.982714 6.501494
1-CB-R 0.000000 0.000000 0.000000 0.000000 0.000000
2-CB-1 0.000000 13.400528 965.456985 0.965457 13.400528
3-CB-1 0.000000 7.867022 971.659826 0.971660 7.867022
4-A-1 0.000000 7.158891 980.488685 0.980489 7.158891
5-A-1 0.000000 4.898926 958.461872 0.958462 4.898926
15-IO 0.000000 0.000000 0.000000 0.000000 0.000000
CB-IO 0.000000 0.000000 0.000000 0.000000 0.000000
A-PO 0.000000 1.628380 987.424918 0.987425 1.628380
B-1 0.000000 1.624590 993.560915 0.993561 1.624590
B-2 0.000000 1.624592 993.560914 0.993561 1.624592
B-3 0.000000 1.624592 993.560913 0.993561 1.624592
B-4 0.000000 1.624588 993.560910 0.993561 1.624588
B-5 0.000000 1.624592 993.560918 0.993561 1.624592
B-6 0.000000 1.624588 993.561001 0.993561 1.624588
<FN>
All Classes are per $1000 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-CB-1 11/25/05 - 12/24/05 30 4.49375% 66,916,781.41 250,589.41 0.00
1-CB-2 11/25/05 - 12/24/05 30 7.71375% 59,415,756.66 381,931.91 0.00
1-CB-3 11/25/05 - 12/24/05 30 4.44375% 69,245,098.38 256,423.25 0.00
1-CB-4 11/25/05 - 12/24/05 30 0.05000% 69,245,098.38 2,885.21 0.00
1-CB-5 N/A N/A 0.00000% 66,916,781.41 0.00 0.00
1-CB-6 11/25/05 - 12/24/05 30 7.71375% 2,476,006.87 15,916.08 0.00
1-CB-R N/A N/A 5.50000% 0.00 0.00 0.00
2-CB-1 11/01/05 - 11/30/05 30 6.00000% 55,194,838.63 275,974.19 0.00
3-CB-1 11/25/05 - 12/24/05 30 6.00000% 32,105,951.49 160,529.76 0.00
4-A-1 11/25/05 - 12/24/05 30 5.00000% 35,022,970.70 145,929.04 0.00
5-A-1 11/25/05 - 12/24/05 30 5.50000% 49,942,550.50 228,903.36 0.00
15-IO 11/25/05 - 12/24/05 30 5.50000% 3,185,715.85 14,601.20 0.00
CB-IO 11/25/05 - 12/24/05 30 5.50000% 7,919,427.77 36,297.38 0.00
A-PO N/A N/A 0.00000% 1,798,806.06 0.00 0.00
B-1 11/01/05 - 11/30/05 30 5.57131% 5,658,624.78 26,271.61 0.00
B-2 11/25/05 - 12/24/05 30 5.57131% 2,535,732.67 11,772.78 0.00
B-3 11/25/05 - 12/24/05 30 5.57131% 1,950,563.59 9,055.99 0.00
B-4 11/25/05 - 12/24/05 30 5.57131% 1,366,389.70 6,343.81 0.00
B-5 11/25/05 - 12/24/05 30 5.57131% 975,281.79 4,527.99 0.00
B-6 11/25/05 - 12/24/05 30 5.57131% 975,479.93 4,528.91 0.00
Totals 1,832,481.88 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-CB-1 0.00 0.00 250,589.41 0.00 66,476,979.29
1-CB-2 0.00 0.00 381,931.91 0.00 59,025,254.09
1-CB-3 0.00 0.00 256,423.25 0.00 68,789,993.69
1-CB-4 0.00 0.00 2,885.21 0.00 68,789,993.69
1-CB-5 0.00 0.00 0.00 0.00 66,476,979.29
1-CB-6 0.00 0.00 15,916.08 0.00 2,459,733.63
1-CB-R 0.00 0.00 1.83 0.00 0.00
2-CB-1 0.00 0.00 275,974.19 0.00 54,439,223.03
3-CB-1 0.00 0.00 160,529.76 0.00 31,848,094.11
4-A-1 0.00 0.00 145,929.04 0.00 34,769,109.26
5-A-1 0.00 0.00 228,903.36 0.00 49,688,580.37
15-IO 0.00 0.00 14,601.20 0.00 3,163,055.48
CB-IO 0.00 0.00 36,297.38 0.00 7,829,523.22
A-PO 0.00 0.00 0.00 0.00 1,795,844.51
B-1 0.00 0.00 26,271.61 0.00 5,649,387.36
B-2 0.00 0.00 11,772.78 0.00 2,531,593.21
B-3 0.00 0.00 9,055.99 0.00 1,947,379.39
B-4 0.00 0.00 6,343.81 0.00 1,364,159.13
B-5 0.00 0.00 4,527.99 0.00 973,689.70
B-6 0.00 0.00 4,528.91 0.00 973,887.50
Totals 0.00 0.00 1,832,483.71 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-CB-1 11/25/05 - 12/24/05 67,646,300.00 4.49375% 989.215691 3.704407 0.000000
1-CB-2 11/25/05 - 12/24/05 60,063,500.00 7.71375% 989.215691 6.358802 0.000000
1-CB-3 11/25/05 - 12/24/05 70,000,000.00 4.44375% 989.215691 3.663189 0.000000
1-CB-4 11/25/05 - 12/24/05 0.00 0.05000% 989.215691 0.041217 0.000000
1-CB-5 N/A 0.00 0.00000% 989.215691 0.000000 0.000000
1-CB-6 11/25/05 - 12/24/05 2,503,000.00 7.71375% 989.215689 6.358801 0.000000
1-CB-R N/A 100.00 5.50000% 0.000000 0.000000 0.000000
2-CB-1 11/01/05 - 11/30/05 56,387,000.00 6.00000% 978.857514 4.894288 0.000000
3-CB-1 11/25/05 - 12/24/05 32,777,000.00 6.00000% 979.526848 4.897634 0.000000
4-A-1 11/25/05 - 12/24/05 35,461,000.00 5.00000% 987.647576 4.115198 0.000000
5-A-1 11/25/05 - 12/24/05 51,842,000.00 5.50000% 963.360798 4.415404 0.000000
15-IO 11/25/05 - 12/24/05 0.00 5.50000% 973.677746 4.462690 0.000000
CB-IO 11/25/05 - 12/24/05 0.00 5.50000% 984.619403 4.512839 0.000000
A-PO N/A 1,818,715.00 0.00000% 989.053293 0.000000 0.000000
B-1 11/01/05 - 11/30/05 5,686,000.00 5.57131% 995.185505 4.620403 0.000000
B-2 11/25/05 - 12/24/05 2,548,000.00 5.57131% 995.185506 4.620400 0.000000
B-3 11/25/05 - 12/24/05 1,960,000.00 5.57131% 995.185505 4.620403 0.000000
B-4 11/25/05 - 12/24/05 1,373,000.00 5.57131% 995.185506 4.620401 0.000000
B-5 11/25/05 - 12/24/05 980,000.00 5.57131% 995.185500 4.620398 0.000000
B-6 11/25/05 - 12/24/05 980,199.00 5.57131% 995.185600 4.620399 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-CB-1 0.000000 0.000000 3.704407 0.000000 982.714196
1-CB-2 0.000000 0.000000 6.358802 0.000000 982.714196
1-CB-3 0.000000 0.000000 3.663189 0.000000 982.714196
1-CB-4 0.000000 0.000000 0.041217 0.000000 982.714196
1-CB-5 0.000000 0.000000 0.000000 0.000000 982.714196
1-CB-6 0.000000 0.000000 6.358801 0.000000 982.714195
1-CB-R 0.000000 0.000000 18.300000 0.000000 0.000000
2-CB-1 0.000000 0.000000 4.894288 0.000000 965.456985
3-CB-1 0.000000 0.000000 4.897634 0.000000 971.659826
4-A-1 0.000000 0.000000 4.115198 0.000000 980.488685
5-A-1 0.000000 0.000000 4.415404 0.000000 958.461872
15-IO 0.000000 0.000000 4.462690 0.000000 966.751862
CB-IO 0.000000 0.000000 4.512839 0.000000 973.441605
A-PO 0.000000 0.000000 0.000000 0.000000 987.424918
B-1 0.000000 0.000000 4.620403 0.000000 993.560915
B-2 0.000000 0.000000 4.620400 0.000000 993.560914
B-3 0.000000 0.000000 4.620403 0.000000 993.560913
B-4 0.000000 0.000000 4.620401 0.000000 993.560910
B-5 0.000000 0.000000 4.620398 0.000000 993.560918
B-6 0.000000 0.000000 4.620399 0.000000 993.561001
<FN>
(1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable.
All Classes are per $1000 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>
1-CB-IO 5.50000% 5,259,887.08 5,214,349.97 0.00 0.00 98.00175485%
2-CB-IO 5.50000% 2,014,478.96 1,975,597.78 0.00 0.00 95.50506797%
3-CB-IO 5.50000% 645,061.73 639,575.47 0.00 0.00 97.81131449%
4-15-IO 5.50000% 0.00 1,205,450.96 0.00 0.00 97.77568186%
5-15-IO 5.50000% 0.00 1,957,604.52 0.00 0.00 96.00976378%
1-APO 0.00000% 0.00 0.00 1,571,167.58 1,569,070.30 98.84691950%
2-APO 0.00000% 0.00 0.00 16,293.15 16,275.74 98.17081851%
3-APO 0.00000% 0.00 0.00 18,848.66 18,828.50 97.26469677%
4-APO 0.00000% 0.00 0.00 177,287.75 176,520.27 98.32847968%
5-APO 0.00000% 0.00 0.00 15,208.92 15,149.69 95.38305106%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 4,748,600.35
Reserve Funds and Credit Enhancements 0.00
Proceeds from Repurchased Loans 0.00
Servicer Advances 14,226.12
Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00
Prepayment Penalties 0.00
Swap/Cap Payments 0.00
Total Deposits 4,762,826.47
Withdrawals
Swap Payments 0.00
Reserve Funds and Credit Enhancements 0.00
Reimbursement for Servicer Advances 0.00
Total Administration Fees 82,417.90
Payment of Interest and Principal 4,680,408.57
Total Withdrawals (Pool Distribution Amount) 4,762,826.47
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* 80,329.34
Wells Fargo Bank, N.A. 2,088.56
Supported Prepayment/Curtailment Interest Shortfall 0.00
Total Administration Fees 82,417.90
<FN>
*Servicer Payees include: BANK OF AMERICA (NY)
</FN>
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 5.959534%
Weighted Average Net Coupon 5.709534%
Weighted Average Pass-Through Rate 5.703034%
Weighted Average Remaining Term 315
Beginning Scheduled Collateral Loan Count 2,706
Number Of Loans Paid In Full 14
Ending Scheduled Collateral Loan Count 2,692
Beginning Scheduled Collateral Balance 385,580,833.17
Ending Scheduled Collateral Balance 382,732,908.29
Ending Actual Collateral Balance at 30-Nov-2005 383,247,007.38
Monthly P&I Constant 2,543,679.38
Special Servicing Fee 0.00
Prepayment Penalty Waived Amount 0.00
Prepayment Penalty Waived Count 0
Prepayment Penalty Paid Amount 0.00
Prepayment Penalty Paid Count 0
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 628,777.61
Unscheduled Principal 2,219,147.27
Group Level Collateral Statement
<s> <c> <c>
Group 1 2 3
Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Fixed 15/30 & ARM
Weighted Average Coupon Rate 5.854598 6.448456 6.359662
Weighted Average Net Rate 5.604599 6.198456 6.109662
Weighted Average Remaining Term 356 356 355
Beginning Loan Count 1,315 459 227
Loans Paid In Full 5 6 1
Ending Loan Count 1,310 453 226
Beginning Scheduled Balance 206,813,520.81 57,221,385.32 33,294,384.68
Ending Scheduled Balance 205,502,145.83 56,463,859.27 33,035,380.52
Record Date 11/30/2005 11/30/2005 11/30/2005
Principal And Interest Constant 1,227,623.63 361,376.92 208,522.69
Scheduled Principal 218,615.19 53,885.61 32,071.82
Unscheduled Principal 1,092,759.79 703,640.44 226,932.34
Scheduled Interest 1,009,008.44 307,491.31 176,450.87
Servicing Fee 43,086.15 11,921.12 6,936.33
Master Servicing Fee 0.00 0.00 0.00
Trustee Fee 1,120.24 309.95 180.34
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 964,802.05 295,260.24 169,334.20
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 5.598098 6.191956 6.103162
<FN>
</FN>
Group Level Collateral Statement
<s> <c> <c>
Group 4 5 Total
Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed
Weighted Average Coupon Rate 5.415882 5.963879 5.959534
Weighted Average Net Rate 5.165882 5.713879 5.709534
Weighted Average Remaining Term 176 175 315
Beginning Loan Count 222 483 2,706
Loans Paid In Full 1 1 14
Ending Loan Count 221 482 2,692
Beginning Scheduled Balance 36,460,252.44 51,791,289.92 385,580,833.17
Ending scheduled Balance 36,200,909.07 51,530,613.60 382,732,908.29
Record Date 11/30/2005 11/30/2005 11/30/2005
Principal And Interest Constant 301,003.03 445,153.11 2,543,679.38
Scheduled Principal 136,449.35 187,755.64 628,777.61
Unscheduled Principal 122,894.02 72,920.68 2,219,147.27
Scheduled Interest 164,553.68 257,397.47 1,914,901.77
Servicing Fee 7,595.89 10,789.85 80,329.34
Master Servicing Fee 0.00 0.00 0.00
Trustee Fee 197.49 280.54 2,088.56
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 156,760.30 246,327.08 1,832,483.87
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 5.159382 5.707379 5.703034
<FN>
</FN>
Additional Reporting - Deal Level
Miscellaneous Reporting
<s> <c>
Senior % 96.492261%
Additional Reporting - Group Level
Miscellaneous Reporting
<s> <c>
1
CPR 6.165826%
Subordinate % 3.502547%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.497453%
2
CPR 13.810110%
Subordinate % 3.514116%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.485884%
3
CPR 7.886680%
Subordinate % 3.514849%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.485151%
4
CPR 3.985248%
Subordinate % 3.472686%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.527314%
5
CPR 1.682596%
Subordinate % 3.541270%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.458730%
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 1 0 0 1
79,377.62 0.00 0.00 79,377.62
30 Days 14 0 0 0 14
1,704,926.20 0.00 0.00 0.00 1,704,926.20
60 Days 3 0 0 0 3
232,465.08 0.00 0.00 0.00 232,465.08
90 Days 2 0 0 0 2
200,906.30 0.00 0.00 0.00 200,906.30
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 19 1 0 0 20
2,138,297.58 79,377.62 0.00 0.00 2,217,675.20
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 0.037147% 0.000000% 0.000000% 0.037147%
0.020712% 0.000000% 0.000000% 0.020712%
30 Days 0.520059% 0.000000% 0.000000% 0.000000% 0.520059%
0.444864% 0.000000% 0.000000% 0.000000% 0.444864%
60 Days 0.111441% 0.000000% 0.000000% 0.000000% 0.111441%
0.060657% 0.000000% 0.000000% 0.000000% 0.060657%
90 Days 0.074294% 0.000000% 0.000000% 0.000000% 0.074294%
0.052422% 0.000000% 0.000000% 0.000000% 0.052422%
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 0.705795% 0.037147% 0.000000% 0.000000% 0.742942%
0.557942% 0.020712% 0.000000% 0.000000% 0.578654%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 14,226.12
Delinquency Status By Group
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
1
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
430,294.67 0.00 0.00 0.00 430,294.67
60 Days 3 0 0 0 3
232,465.08 0.00 0.00 0.00 232,465.08
90 Days 1 0 0 0 1
101,606.30 0.00 0.00 0.00 101,606.30
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 8 0 0 0 8
764,366.05 0.00 0.00 0.00 764,366.05
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.305344% 0.000000% 0.000000% 0.000000% 0.305344%
0.209213% 0.000000% 0.000000% 0.000000% 0.209213%
60 Days 0.229008% 0.000000% 0.000000% 0.000000% 0.229008%
0.113027% 0.000000% 0.000000% 0.000000% 0.113027%
90 Days 0.076336% 0.000000% 0.000000% 0.000000% 0.076336%
0.049402% 0.000000% 0.000000% 0.000000% 0.049402%
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 0.610687% 0.000000% 0.000000% 0.000000% 0.610687%
0.371642% 0.000000% 0.000000% 0.000000% 0.371642%
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
2
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
581,128.23 0.00 0.00 0.00 581,128.23
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 1 0 0 0 1
99,300.00 0.00 0.00 0.00 99,300.00
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 6 0 0 0 6
680,428.23 0.00 0.00 0.00 680,428.23
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.103753% 0.000000% 0.000000% 0.000000% 1.103753%
1.028381% 0.000000% 0.000000% 0.000000% 1.028381%
60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
90 Days 0.220751% 0.000000% 0.000000% 0.000000% 0.220751%
0.175724% 0.000000% 0.000000% 0.000000% 0.175724%
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 1.324503% 0.000000% 0.000000% 0.000000% 1.324503%
1.204105% 0.000000% 0.000000% 0.000000% 1.204105%
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
3
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 1 0 0 1
79,377.62 0.00 0.00 79,377.62
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 1 0 0 1
0.00 79,377.62 0.00 0.00 79,377.62
0-29 Days 0.442478% 0.000000% 0.000000% 0.442478%
0.240105% 0.000000% 0.000000% 0.240105%
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% 0.442478% 0.000000% 0.000000% 0.442478%
0.000000% 0.240105% 0.000000% 0.000000% 0.240105%
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
4
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
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%
DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL
<s> <c> <c> <c> <c> <c>
5
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
693,503.30 0.00 0.00 0.00 693,503.30
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 5 0 0 0 5
693,503.30 0.00 0.00 0.00 693,503.30
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.037344% 0.000000% 0.000000% 0.000000% 1.037344%
1.341551% 0.000000% 0.000000% 0.000000% 1.341551%
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 1.037344% 0.000000% 0.000000% 0.000000% 1.037344%
1.341551% 0.000000% 0.000000% 0.000000% 1.341551%
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 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 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.
3 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.
4 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.
5 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 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 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.
3 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.
4 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.
5 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 1 Jun-05 0.000%
Original Principal Balance 79,600.00 Jul-05 0.000%
Current Principal Balance 79,377.62 Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.021%
Dec-05 0.021%
*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 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 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.
3 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 1 Jun-05 0.000%
Original Principal Balance 79,600.00 Jul-05 0.000%
Current Principal Balance 79,377.62 Aug-05 0.000%
Sep-05 0.000%
Oct-05 0.000%
Nov-05 0.238%
Dec-05 0.240%
*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.
4 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.
5 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>
3 3302283555 Nov-2005 01-Sep-2005 KS 80.00 79,600.00
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>
3 3302283555 79,377.62 01-Nov-2005 0 6.375% 810.69
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 0 0.00 0.00 0.000%
2 0 0.00 0.00 0.000%
3 0 0.00 0.00 0.000%
4 0 0.00 0.00 0.000%
5 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 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.
1
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.
2
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.
3
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.
4
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.
5
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>
1 5 1,072,000.00 1,067,804.28 0 0.00 0.00
2 6 704,250.00 701,942.05 0 0.00 0.00
3 1 224,000.00 223,374.28 0 0.00 0.00
4 1 91,748.00 90,104.21 0 0.00 0.00
5 1 49,375.00 48,401.00 0 0.00 0.00
Total 14 2,141,373.00 2,131,625.82 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 0 0.00 0.00 0 0.00 0.00 26,052.47
2 0 0.00 0.00 0 0.00 0.00 2,342.08
3 0 0.00 0.00 0 0.00 0.00 3,768.85
4 0 0.00 0.00 0 0.00 0.00 33,123.21
5 0 0.00 0.00 0 0.00 0.00 24,694.33
Total 0 0.00 0.00 0 0.00 0.00 89,980.94
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 6126302626 WI 80.00 01-Aug-2005 134,400.00 133,737.51
1 6551803056 MI 80.00 01-Sep-2005 248,000.00 246,956.78
1 6723979677 PA 80.00 01-Aug-2005 148,000.00 147,221.52
1 6801685147 CA 80.00 01-Sep-2005 320,000.00 318,716.14
1 6878161808 IL 80.00 01-Aug-2005 221,600.00 220,075.37
2 3302670439 GA 80.00 01-Sep-2005 98,400.00 98,032.53
2 6041939650 NC 80.00 01-Sep-2005 80,800.00 80,519.37
2 6090171676 CA 80.00 01-Aug-2005 320,000.00 318,537.81
2 6642616384 NC 80.00 01-Sep-2005 56,000.00 55,805.49
2 6768676220 GA 80.00 01-Aug-2005 120,000.00 119,451.64
2 6847222426 PA 70.00 01-Sep-2005 29,050.00 28,951.52
3 6341531413 CO 80.00 01-Sep-2005 224,000.00 223,163.49
4 6705589148 NJ 40.53 01-Jul-2005 91,748.00 89,770.81
5 6095286263 FL 41.55 01-Aug-2005 49,375.00 48,226.35
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 6126302626 Loan Paid in Full 0 6.125% 360 4
1 6551803056 Loan Paid in Full 0 5.750% 360 3
1 6723979677 Loan Paid in Full 1 6.000% 360 4
1 6801685147 Loan Paid in Full 0 6.000% 360 3
1 6878161808 Loan Paid in Full 0 6.000% 360 4
2 3302670439 Loan Paid in Full 0 6.375% 360 3
2 6041939650 Loan Paid in Full 0 6.750% 360 3
2 6090171676 Loan Paid in Full (1) 6.500% 360 4
2 6642616384 Loan Paid in Full 0 6.750% 360 3
2 6768676220 Loan Paid in Full 0 6.500% 360 4
2 6847222426 Loan Paid in Full (1) 6.875% 360 3
3 6341531413 Loan Paid in Full 0 6.375% 360 3
4 6705589148 Loan Paid in Full 0 5.625% 180 5
5 6095286263 Loan Paid in Full (1) 6.000% 180 4
Prepayment - Voluntary Prepayments
Summary
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.576% Current Month 6.703% Current Month 913.712%
3 Month Average 0.458% 3 Month Average 5.350% 3 Month Average 1,008.274%
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 4.408% N/A Sep-2005 3,302.487% N/A
Oct-2005 3.194% N/A Oct-2005 957.682% N/A
Nov-2005 6.153% N/A Nov-2005 1,153.428% N/A
Dec-2005 6.703% N/A Dec-2005 913.712% 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
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.529% Current Month 6.166% Current Month 882.878%
3 Month Average 0.400% 3 Month Average 4.694% 3 Month Average 1,001.943%
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 0.868% N/A Sep-2005 882.501% N/A
Oct-2005 3.972% N/A Oct-2005 1,331.708% N/A
Nov-2005 3.943% N/A Nov-2005 791.244% N/A
Dec-2005 6.166% N/A Dec-2005 882.878% 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
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 1.231% Current Month 13.810% Current Month 1,951.030%
3 Month Average 0.715% 3 Month Average 8.150% 3 Month Average 1,471.071%
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 9.988% N/A Sep-2005 9,233.731% N/A
Oct-2005 2.875% N/A Oct-2005 933.668% N/A
Nov-2005 7.766% N/A Nov-2005 1,528.515% N/A
Dec-2005 13.810% N/A Dec-2005 1,951.030% 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.
3
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.682% Current Month 7.887% Current Month 1,050.874%
3 Month Average 0.794% 3 Month Average 9.062% 3 Month Average 1,711.727%
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 0.149% N/A Sep-2005 100.647% N/A
Oct-2005 5.456% N/A Oct-2005 1,565.210% N/A
Nov-2005 13.842% N/A Nov-2005 2,519.096% N/A
Dec-2005 7.887% N/A Dec-2005 1,050.874% 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.
4
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.338% Current Month 3.985% Current Month 514.716%
3 Month Average 0.142% 3 Month Average 1.682% 3 Month Average 246.123%
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 0.541% N/A Sep-2005 309.344% N/A
Oct-2005 0.420% N/A Oct-2005 111.996% N/A
Nov-2005 0.642% N/A Nov-2005 111.658% N/A
Dec-2005 3.985% N/A Dec-2005 514.716% 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.
5
SMM CPR PSA
<s> <c> <s> <c> <s> <c>
Current Month 0.141% Current Month 1.683% Current Month 195.081%
3 Month Average 0.408% 3 Month Average 4.673% 3 Month Average 704.357%
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 16.263% N/A Sep-2005 6,198.742% N/A
Oct-2005 0.852% N/A Oct-2005 184.319% N/A
Nov-2005 11.485% N/A Nov-2005 1,733.672% N/A
Dec-2005 1.683% N/A Dec-2005 195.081% 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