-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, LznNWkVUNnwKungjpmmOtLKh0fnCugwi76o/v0NAJBuFz86tmZaSVtUqRzrAnQhh MAjAmhbEAQJaYSqlHx2oBg== 0001056404-06-000142.txt : 20060104 0001056404-06-000142.hdr.sgml : 20060104 20060104164801 ACCESSION NUMBER: 0001056404-06-000142 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20051227 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20060104 DATE AS OF CHANGE: 20060104 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Bear Stearns Asset Backed Securities I Trust 2005-AC6 CENTRAL INDEX KEY: 0001337708 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-125422-14 FILM NUMBER: 06508505 BUSINESS ADDRESS: STREET 1: 383 MADISON AVENUE CITY: NEW YORK STATE: NY ZIP: 10179 BUSINESS PHONE: 2122722000 MAIL ADDRESS: STREET 1: 383 MADISON AVENUE CITY: NEW YORK STATE: NY ZIP: 10179 8-K 1 bsa05ac6_8k-200512.txt 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 BEAR STEARNS ASSET BACKED SECURITIES I TRUST Asset Backed Certificates, Series 2005-AC6 (Exact name of registrant as specified in its charter) New York (governing law of 333-125422-14 Pooling and Servicing Agreement) (Commission 54-2182242 (State or other File Number) 54-2182243 jurisdiction 54-2182244 of Incorporation) 54-2182245 54-2182246 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 BEAR STEARNS ASSET BACKED SECURITIES I TRUST, Asset Backed Certificates, Series 2005-AC6 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2005-AC6 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. BEAR STEARNS ASSET BACKED SECURITIES I TRUST Asset Backed Certificates, Series 2005-AC6 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Officer By: Beth Belfield as Officer Date: 12/31/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2005-AC6 Trust, relating to the December 27, 2005 distribution. EX-99.1 Bear Stearns Asset Backed Securities Asset Backed Certificates Record Date: 11/30/2005 Distribution Date: 12/27/2005 Bear Stearns Asset Backed Securities Asset Backed Certificates Series 2005-AC6 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 1-A-1 073879L30 4.69375% 28,975,572.04 113,336.74 1-A-2 073879L48 0.80625% 0.00 19,467.96 1-A-3 073879L55 5.50000% 72,438,930.11 332,011.76 1-A-4 073879L63 5.40000% 62,826,767.01 282,720.45 I-M-1 073879L71 4.69375% 12,002,647.79 46,947.86 I-M-2 073879L89 4.85375% 10,949,868.68 44,289.94 I-M-3 073879L97 4.91375% 4,211,116.47 17,243.64 I-B-1 073879M21 5.39375% 4,211,116.47 18,928.09 I-B-2 073879M39 5.54375% 4,421,672.29 20,427.20 I-B-3 073879M47 5.94375% 3,790,004.82 18,772.37 I-B-4 073879P51 7.19375% 5,053,339.76 30,293.72 II-1A-1 073879M54 5.25000% 91,223,861.85 399,104.40 II-1A-2 073879M62 4.54375% 28,827,300.61 109,153.37 II-1A-3 073879M70 3.45625% 0.00 83,028.63 II-B-1 073879N38 6.16041% 18,140,833.91 93,129.09 II-B-2 073879N46 6.16041% 8,094,078.69 41,552.34 II-B-3 073879N53 6.16041% 4,466,111.47 22,927.55 II-B-4 073879Q43 6.16041% 5,024,874.30 25,796.06 II-B-5 073879Q50 6.16041% 3,349,583.60 17,195.66 II-B-6 073879Q68 6.16041% 2,791,607.45 8,629.58 II-PO 073879N20 0.00000% 520,136.03 0.00 II-1-X 073879M96 0.94000% 0.00 118.13 II-2-A 073879M88 6.21624% 380,454,396.04 1,970,830.98 II-R-1 073879N61 0.00000% 0.00 0.00 II-R-2 073879N79 0.00000% 0.00 0.00 II-R-3 073879N87 0.00000% 0.00 0.00 I-C 073879P44 0.00000% 1,744,083.74 131,990.64 I-P 073879P36 0.00000% 100.00 3,886.11 II-1-P 073879Q27 0.00000% 100.00 0.00 II-2-P 073879Q35 0.00000% 100.00 22,917.71 I-R-1 073879N95 0.00000% 0.00 0.00 I-R-2 073879P28 0.00000% 0.00 0.00 Totals 753,518,203.13 3,874,699.98
Certificateholder Distribution Summary (continued) Class Principal Current Ending Total Cummulative Distribution Realized Certificate Distribution Realized Loss Balance Losses 1-A-1 423,144.96 0.00 28,552,427.08 536,481.70 0.00 1-A-2 0.00 0.00 0.00 19,467.96 0.00 1-A-3 1,057,862.41 0.00 71,381,067.70 1,389,874.17 0.00 1-A-4 917,491.12 0.00 61,909,275.89 1,200,211.57 0.00 I-M-1 175,280.75 0.00 11,827,367.04 222,228.61 0.00 I-M-2 159,906.48 0.00 10,789,962.19 204,196.42 0.00 I-M-3 61,497.07 0.00 4,149,619.40 78,740.71 0.00 I-B-1 61,497.07 0.00 4,149,619.40 80,425.16 0.00 I-B-2 64,571.92 0.00 4,357,100.37 84,999.12 0.00 I-B-3 55,347.36 0.00 3,734,657.46 74,119.73 0.00 I-B-4 73,796.48 0.00 4,979,543.28 104,090.20 0.00 II-1A-1 859,312.08 0.00 90,364,549.77 1,258,416.48 0.00 II-1A-2 528,274.34 0.00 28,299,026.27 637,427.71 0.00 II-1A-3 0.00 0.00 0.00 83,028.63 0.00 II-B-1 13,602.72 0.00 18,127,231.19 106,731.81 0.00 II-B-2 6,069.26 0.00 8,088,009.43 47,621.60 0.00 II-B-3 3,348.87 0.00 4,462,762.60 26,276.42 0.00 II-B-4 3,767.85 0.00 5,021,106.44 29,563.91 0.00 II-B-5 2,511.65 0.00 3,347,071.95 19,707.31 0.00 II-B-6 0.00 2,093.26 2,789,514.19 8,629.58 2,093.26 II-PO 1,710.53 0.00 518,425.50 1,710.53 0.00 II-1-X 0.00 0.00 0.00 118.13 0.00 II-2-A 7,523,857.43 0.00 372,930,538.61 9,494,688.41 0.00 II-R-1 0.00 0.00 0.00 0.00 0.00 II-R-2 0.00 0.00 0.00 0.00 0.00 II-R-3 0.00 0.00 0.00 0.00 0.00 I-C 0.00 0.00 1,744,083.74 131,990.64 0.00 I-P 0.00 0.00 100.00 3,886.11 0.00 II-1-P 0.00 0.00 100.00 0.00 0.00 II-2-P 0.00 0.00 100.00 22,917.71 0.00 I-R-1 0.00 0.00 0.00 0.00 0.00 I-R-2 0.00 0.00 0.00 0.00 0.00 Totals 11,992,850.35 2,093.26 741,523,259.50 15,867,550.33 2,093.26
Principal Distribution Statement Class Original Beginning Scheduled UnScheduled Accretion Realized Face Certificate Principal Principal Loss Amount Balance Distribution Distribution 1-A-1 30,000,000.00 28,975,572.04 0.00 423,144.96 0.00 0.00 1-A-2 0.00 0.00 0.00 0.00 0.00 0.00 1-A-3 75,000,000.00 72,438,930.11 0.00 1,057,862.41 0.00 0.00 1-A-4 65,048,000.00 62,826,767.01 0.00 917,491.12 0.00 0.00 I-M-1 12,427,000.00 12,002,647.79 0.00 175,280.75 0.00 0.00 I-M-2 11,337,000.00 10,949,868.68 0.00 159,906.48 0.00 0.00 I-M-3 4,360,000.00 4,211,116.47 0.00 61,497.07 0.00 0.00 I-B-1 4,360,000.00 4,211,116.47 0.00 61,497.07 0.00 0.00 I-B-2 4,578,000.00 4,421,672.29 0.00 64,571.92 0.00 0.00 I-B-3 3,924,000.00 3,790,004.82 0.00 55,347.36 0.00 0.00 I-B-4 5,232,000.00 5,053,339.76 0.00 73,796.48 0.00 0.00 II-1A-1 92,576,000.00 91,223,861.85 158,059.24 701,252.85 0.00 0.00 II-1A-2 29,513,254.00 28,827,300.61 19,106.56 509,167.78 0.00 0.00 II-1A-3 0.00 0.00 0.00 0.00 0.00 0.00 II-B-1 18,181,000.00 18,140,833.91 13,602.72 0.00 0.00 0.00 II-B-2 8,112,000.00 8,094,078.69 6,069.26 0.00 0.00 0.00 II-B-3 4,476,000.00 4,466,111.47 3,348.87 0.00 0.00 0.00 II-B-4 5,036,000.00 5,024,874.30 3,767.85 0.00 0.00 0.00 II-B-5 3,357,000.00 3,349,583.60 2,511.65 0.00 0.00 0.00 II-B-6 2,797,788.41 2,791,607.45 0.00 0.00 0.00 2,093.26 II-PO 536,221.52 520,136.03 1,468.11 242.43 0.00 0.00 II-1-X 0.00 0.00 0.00 0.00 0.00 0.00 II-2-A 394,791,000.00 380,454,396.04 199,995.77 7,323,861.66 0.00 0.00 II-R-1 50.00 0.00 0.00 0.00 0.00 0.00 II-R-2 50.00 0.00 0.00 0.00 0.00 0.00 II-R-3 50.00 0.00 0.00 0.00 0.00 0.00 I-C 1,744,467.40 1,744,083.74 0.00 0.00 0.00 0.00 I-P 100.00 100.00 0.00 0.00 0.00 0.00 II-1-P 100.00 100.00 0.00 0.00 0.00 0.00 II-2-P 100.00 100.00 0.00 0.00 0.00 0.00 I-R-1 0.00 0.00 0.00 0.00 0.00 0.00 I-R-2 0.00 0.00 0.00 0.00 0.00 0.00 Totals 777,387,181.33 753,518,203.13 407,930.03 11,584,920.34 0.00 2,093.26
Principal Distribution Statement (continued) Class Total Ending Ending Total Principal Certificate Certificate Principal Reduction Balance Percentage Distribution 1-A-1 423,144.96 28,552,427.08 0.951748 423,144.96 1-A-2 0.00 0.00 0.000000 0.00 1-A-3 1,057,862.41 71,381,067.70 0.951748 1,057,862.41 1-A-4 917,491.12 61,909,275.89 0.951748 917,491.12 I-M-1 175,280.75 11,827,367.04 0.951748 175,280.75 I-M-2 159,906.48 10,789,962.19 0.951748 159,906.48 I-M-3 61,497.07 4,149,619.40 0.951748 61,497.07 I-B-1 61,497.07 4,149,619.40 0.951748 61,497.07 I-B-2 64,571.92 4,357,100.37 0.951748 64,571.92 I-B-3 55,347.36 3,734,657.46 0.951748 55,347.36 I-B-4 73,796.48 4,979,543.28 0.951748 73,796.48 II-1A-1 859,312.08 90,364,549.77 0.976112 859,312.08 II-1A-2 528,274.34 28,299,026.27 0.958858 528,274.34 II-1A-3 0.00 0.00 0.000000 0.00 II-B-1 13,602.72 18,127,231.19 0.997043 13,602.72 II-B-2 6,069.26 8,088,009.43 0.997043 6,069.26 II-B-3 3,348.87 4,462,762.60 0.997043 3,348.87 II-B-4 3,767.85 5,021,106.44 0.997043 3,767.85 II-B-5 2,511.65 3,347,071.95 0.997043 2,511.65 II-B-6 2,093.26 2,789,514.19 0.997043 0.00 II-PO 1,710.53 518,425.50 0.966812 1,710.53 II-1-X 0.00 0.00 0.000000 0.00 II-2-A 7,523,857.43 372,930,538.61 0.944628 7,523,857.43 II-R-1 0.00 0.00 0.000000 0.00 II-R-2 0.00 0.00 0.000000 0.00 II-R-3 0.00 0.00 0.000000 0.00 I-C 0.00 1,744,083.74 0.999780 0.00 I-P 0.00 100.00 1.000000 0.00 II-1-P 0.00 100.00 1.000000 0.00 II-2-P 0.00 100.00 1.000000 0.00 I-R-1 0.00 0.00 0.000000 0.00 I-R-2 0.00 0.00 0.000000 0.00 Totals 11,994,943.61 741,523,259.50 0.953866 11,992,850.35
Principal Distribution Factors Statement Class Original Beginning Scheduled UnScheduled Accretion Face Certificate Principal Principal Amount Balance Distribution Distribution 1-A-1 30,000,000.00 965.852401 0.000000 14.104832 0.000000 1-A-2 0.00 0.000000 0.000000 0.000000 0.000000 1-A-3 75,000,000.00 965.852401 0.000000 14.104832 0.000000 1-A-4 65,048,000.00 965.852401 0.000000 14.104832 0.000000 I-M-1 12,427,000.00 965.852401 0.000000 14.104832 0.000000 I-M-2 11,337,000.00 965.852402 0.000000 14.104832 0.000000 I-M-3 4,360,000.00 965.852401 0.000000 14.104833 0.000000 I-B-1 4,360,000.00 965.852401 0.000000 14.104833 0.000000 I-B-2 4,578,000.00 965.852401 0.000000 14.104832 0.000000 I-B-3 3,924,000.00 965.852401 0.000000 14.104832 0.000000 I-B-4 5,232,000.00 965.852401 0.000000 14.104832 0.000000 II-1A-1 92,576,000.00 985.394291 1.707346 7.574888 0.000000 II-1A-2 29,513,254.00 976.757785 0.647389 17.252174 0.000000 II-1A-3 0.00 0.000000 0.000000 0.000000 0.000000 II-B-1 18,181,000.00 997.790766 0.748183 0.000000 0.000000 II-B-2 8,112,000.00 997.790766 0.748183 0.000000 0.000000 II-B-3 4,476,000.00 997.790766 0.748184 0.000000 0.000000 II-B-4 5,036,000.00 997.790766 0.748183 0.000000 0.000000 II-B-5 3,357,000.00 997.790766 0.748183 0.000000 0.000000 II-B-6 2,797,788.41 997.790769 0.000000 0.000000 0.000000 II-PO 536,221.52 970.002155 2.737880 0.452108 0.000000 II-1-X 0.00 0.000000 0.000000 0.000000 0.000000 II-2-A 394,791,000.00 963.685586 0.506586 18.551238 0.000000 II-R-1 50.00 0.000000 0.000000 0.000000 0.000000 II-R-2 50.00 0.000000 0.000000 0.000000 0.000000 II-R-3 50.00 0.000000 0.000000 0.000000 0.000000 I-C 1,744,467.40 999.780070 0.000000 0.000000 0.000000 I-P 100.00 1000.000000 0.000000 0.000000 0.000000 II-1-P 100.00 1000.000000 0.000000 0.000000 0.000000 II-2-P 100.00 1000.000000 0.000000 0.000000 0.000000 I-R-1 0.00 0.000000 0.000000 0.000000 0.000000 I-R-2 0.00 0.000000 0.000000 0.000000 0.000000
Principal Distribution Factors Statement (continued) Class Realized Total Ending Ending Total Loss Principal Certificate Certificate Principal Reduction Balance Percentage Distribution 1-A-1 0.000000 14.104832 951.747569 0.951748 14.104832 1-A-2 0.000000 0.000000 0.000000 0.000000 0.000000 1-A-3 0.000000 14.104832 951.747569 0.951748 14.104832 1-A-4 0.000000 14.104832 951.747569 0.951748 14.104832 I-M-1 0.000000 14.104832 951.747569 0.951748 14.104832 I-M-2 0.000000 14.104832 951.747569 0.951748 14.104832 I-M-3 0.000000 14.104833 951.747569 0.951748 14.104833 I-B-1 0.000000 14.104833 951.747569 0.951748 14.104833 I-B-2 0.000000 14.104832 951.747569 0.951748 14.104832 I-B-3 0.000000 14.104832 951.747569 0.951748 14.104832 I-B-4 0.000000 14.104832 951.747569 0.951748 14.104832 II-1A-1 0.000000 9.282234 976.112057 0.976112 9.282234 II-1A-2 0.000000 17.899563 958.858222 0.958858 17.899563 II-1A-3 0.000000 0.000000 0.000000 0.000000 0.000000 II-B-1 0.000000 0.748183 997.042582 0.997043 0.748183 II-B-2 0.000000 0.748183 997.042583 0.997043 0.748183 II-B-3 0.000000 0.748184 997.042583 0.997043 0.748184 II-B-4 0.000000 0.748183 997.042581 0.997043 0.748183 II-B-5 0.000000 0.748183 997.042583 0.997043 0.748183 II-B-6 0.748184 0.748184 997.042586 0.997043 0.000000 II-PO 0.000000 3.189969 966.812186 0.966812 3.189969 II-1-X 0.000000 0.000000 0.000000 0.000000 0.000000 II-2-A 0.000000 19.057824 944.627762 0.944628 19.057824 II-R-1 0.000000 0.000000 0.000000 0.000000 0.000000 II-R-2 0.000000 0.000000 0.000000 0.000000 0.000000 II-R-3 0.000000 0.000000 0.000000 0.000000 0.000000 I-C 0.000000 0.000000 999.780070 0.999780 0.000000 I-P 0.000000 0.000000 1,000.000000 1.000000 0.000000 II-1-P 0.000000 0.000000 1,000.000000 1.000000 0.000000 II-2-P 0.000000 0.000000 1,000.000000 1.000000 0.000000 I-R-1 0.000000 0.000000 0.000000 0.000000 0.000000 I-R-2 0.000000 0.000000 0.000000 0.000000 0.000000
Interest Distribution Statement Class Accrual Accrual Current Beginning Current Payment of Dates Days Certificate Certificate/ Accrued Unpaid Interest Rate Notional Balance Interest Shortfall 1-A-1 11/01/05 - 11/30/05 30 4.69375% 28,975,572.04 113,336.74 0.00 1-A-2 11/01/05 - 11/30/05 30 0.80625% 28,975,572.04 19,467.96 0.00 1-A-3 11/01/05 - 11/30/05 30 5.50000% 72,438,930.11 332,011.76 0.00 1-A-4 11/01/05 - 11/30/05 30 5.40000% 62,826,767.01 282,720.45 0.00 I-M-1 11/25/05 - 12/24/05 30 4.69375% 12,002,647.79 46,947.86 0.00 I-M-2 11/25/05 - 12/24/05 30 4.85375% 10,949,868.68 44,289.94 0.00 I-M-3 11/25/05 - 12/24/05 30 4.91375% 4,211,116.47 17,243.64 0.00 I-B-1 11/25/05 - 12/24/05 30 5.39375% 4,211,116.47 18,928.09 0.00 I-B-2 11/25/05 - 12/24/05 30 5.54375% 4,421,672.29 20,427.20 0.00 I-B-3 11/25/05 - 12/24/05 30 5.94375% 3,790,004.82 18,772.37 0.00 I-B-4 11/25/05 - 12/24/05 30 7.19375% 5,053,339.76 30,293.72 0.00 II-1A-1 11/01/05 - 11/30/05 30 5.25000% 91,223,861.85 399,104.40 0.00 II-1A-2 11/01/05 - 11/30/05 30 4.54375% 28,827,300.61 109,153.37 0.00 II-1A-3 11/01/05 - 11/30/05 30 3.45625% 28,827,300.61 83,028.63 0.00 II-B-1 11/01/05 - 11/30/05 30 6.16041% 18,140,833.91 93,129.09 0.00 II-B-2 11/01/05 - 11/30/05 30 6.16041% 8,094,078.69 41,552.34 0.00 II-B-3 11/01/05 - 11/30/05 30 6.16041% 4,466,111.47 22,927.55 0.00 II-B-4 11/01/05 - 11/30/05 30 6.16041% 5,024,874.30 25,796.06 0.00 II-B-5 11/01/05 - 11/30/05 30 6.16041% 3,349,583.60 17,195.66 0.00 II-B-6 11/01/05 - 11/30/05 30 6.16041% 2,791,607.45 14,331.20 0.00 II-PO N/A N/A 0.00000% 520,136.03 0.00 0.00 II-1-X 11/01/05 - 11/30/05 30 0.94000% 150,800.00 118.13 0.00 II-2-A 11/01/05 - 11/30/05 30 6.21624% 380,454,396.04 1,970,830.98 0.00 II-R-1 N/A N/A 0.00000% 0.00 0.00 0.00 II-R-2 N/A N/A 0.00000% 0.00 0.00 0.00 II-R-3 N/A N/A 0.00000% 0.00 0.00 0.00 I-C N/A N/A 0.00000% 1,744,083.74 0.00 0.00 I-P N/A N/A 0.00000% 100.00 0.00 0.00 II-1-P N/A N/A 0.00000% 100.00 0.00 0.00 II-2-P N/A N/A 0.00000% 100.00 0.00 0.00 I-R-1 N/A N/A 0.00000% 0.00 0.00 0.00 I-R-2 N/A N/A 0.00000% 0.00 0.00 0.00 Totals 3,721,607.14 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 1-A-1 0.00 0.00 113,336.74 0.00 28,552,427.08 1-A-2 0.00 0.00 19,467.96 0.00 28,552,427.08 1-A-3 0.00 0.00 332,011.76 0.00 71,381,067.70 1-A-4 0.00 0.00 282,720.45 0.00 61,909,275.89 I-M-1 0.00 0.00 46,947.86 0.00 11,827,367.04 I-M-2 0.00 0.00 44,289.94 0.00 10,789,962.19 I-M-3 0.00 0.00 17,243.64 0.00 4,149,619.40 I-B-1 0.00 0.00 18,928.09 0.00 4,149,619.40 I-B-2 0.00 0.00 20,427.20 0.00 4,357,100.37 I-B-3 0.00 0.00 18,772.37 0.00 3,734,657.46 I-B-4 0.00 0.00 30,293.72 0.00 4,979,543.28 II-1A-1 0.00 0.00 399,104.40 0.00 90,364,549.77 II-1A-2 0.00 0.00 109,153.37 0.00 28,299,026.27 II-1A-3 0.00 0.00 83,028.63 0.00 28,299,026.27 II-B-1 0.00 0.00 93,129.09 0.00 18,127,231.19 II-B-2 0.00 0.00 41,552.34 0.00 8,088,009.43 II-B-3 0.00 0.00 22,927.55 0.00 4,462,762.60 II-B-4 0.00 0.00 25,796.06 0.00 5,021,106.44 II-B-5 0.00 0.00 17,195.66 0.00 3,347,071.95 II-B-6 5,701.62 0.00 8,629.58 5,701.62 2,789,514.19 II-PO 0.00 0.00 0.00 0.00 518,425.50 II-1-X 0.00 0.00 118.13 0.00 150,800.00 II-2-A 0.00 0.00 1,970,830.98 0.00 372,930,538.61 II-R-1 0.00 0.00 0.00 0.00 0.00 II-R-2 0.00 0.00 0.00 0.00 0.00 II-R-3 0.00 0.00 0.00 0.00 0.00 I-C 0.00 0.00 131,990.64 0.00 1,744,083.74 I-P 0.00 0.00 3,886.11 0.00 100.00 II-1-P 0.00 0.00 0.00 0.00 100.00 II-2-P 0.00 0.00 22,917.71 0.00 100.00 I-R-1 0.00 0.00 0.00 0.00 0.00 I-R-2 0.00 0.00 0.00 0.00 0.00 Totals 5,701.62 0.00 3,874,699.98 5,701.62 (1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable
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 1-A-1 11/01/05 - 11/30/05 30,000,000.00 4.69375% 965.852401 3.777891 0.000000 1-A-2 11/01/05 - 11/30/05 0.00 0.80625% 965.852401 0.648932 0.000000 1-A-3 11/01/05 - 11/30/05 75,000,000.00 5.50000% 965.852401 4.426823 0.000000 1-A-4 11/01/05 - 11/30/05 65,048,000.00 5.40000% 965.852401 4.346336 0.000000 I-M-1 11/25/05 - 12/24/05 12,427,000.00 4.69375% 965.852401 3.777892 0.000000 I-M-2 11/25/05 - 12/24/05 11,337,000.00 4.85375% 965.852402 3.906672 0.000000 I-M-3 11/25/05 - 12/24/05 4,360,000.00 4.91375% 965.852401 3.954963 0.000000 I-B-1 11/25/05 - 12/24/05 4,360,000.00 5.39375% 965.852401 4.341305 0.000000 I-B-2 11/25/05 - 12/24/05 4,578,000.00 5.54375% 965.852401 4.462036 0.000000 I-B-3 11/25/05 - 12/24/05 3,924,000.00 5.94375% 965.852401 4.783988 0.000000 I-B-4 11/25/05 - 12/24/05 5,232,000.00 7.19375% 965.852401 5.790084 0.000000 II-1A-1 11/01/05 - 11/30/05 92,576,000.00 5.25000% 985.394291 4.311100 0.000000 II-1A-2 11/01/05 - 11/30/05 29,513,254.00 4.54375% 976.757785 3.698453 0.000000 II-1A-3 11/01/05 - 11/30/05 0.00 3.45625% 976.757785 2.813266 0.000000 II-B-1 11/01/05 - 11/30/05 18,181,000.00 6.16041% 997.790766 5.122330 0.000000 II-B-2 11/01/05 - 11/30/05 8,112,000.00 6.16041% 997.790766 5.122330 0.000000 II-B-3 11/01/05 - 11/30/05 4,476,000.00 6.16041% 997.790766 5.122330 0.000000 II-B-4 11/01/05 - 11/30/05 5,036,000.00 6.16041% 997.790766 5.122331 0.000000 II-B-5 11/01/05 - 11/30/05 3,357,000.00 6.16041% 997.790766 5.122329 0.000000 II-B-6 11/01/05 - 11/30/05 2,797,788.41 6.16041% 997.790769 5.122332 2.037903 II-PO N/A 536,221.52 0.00000% 970.002155 0.000000 0.000000 II-1-X 11/01/05 - 11/30/05 0.00 0.94000% 1000.000000 0.783355 0.000000 II-2-A 11/01/05 - 11/30/05 394,791,000.00 6.21624% 963.685586 4.992087 0.000000 II-R-1 N/A 50.00 0.00000% 0.000000 0.000000 0.000000 II-R-2 N/A 50.00 0.00000% 0.000000 0.000000 0.000000 II-R-3 N/A 50.00 0.00000% 0.000000 0.000000 0.000000 I-C N/A 1,744,467.40 0.00000% 999.780070 0.000000 0.000000 I-P N/A 100.00 0.00000% 1000.000000 0.000000 0.000000 II-1-P N/A 100.00 0.00000% 1000.000000 0.000000 0.000000 II-2-P N/A 100.00 0.00000% 1000.000000 0.000000 0.000000 I-R-1 N/A 0.00 0.00000% 0.000000 0.000000 0.000000 I-R-2 N/A 0.00 0.00000% 0.000000 0.000000 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 1-A-1 0.000000 0.000000 3.777891 0.000000 951.747569 1-A-2 0.000000 0.000000 0.648932 0.000000 951.747569 1-A-3 0.000000 0.000000 4.426823 0.000000 951.747569 1-A-4 0.000000 0.000000 4.346336 0.000000 951.747569 I-M-1 0.000000 0.000000 3.777892 0.000000 951.747569 I-M-2 0.000000 0.000000 3.906672 0.000000 951.747569 I-M-3 0.000000 0.000000 3.954963 0.000000 951.747569 I-B-1 0.000000 0.000000 4.341305 0.000000 951.747569 I-B-2 0.000000 0.000000 4.462036 0.000000 951.747569 I-B-3 0.000000 0.000000 4.783988 0.000000 951.747569 I-B-4 0.000000 0.000000 5.790084 0.000000 951.747569 II-1A-1 0.000000 0.000000 4.311100 0.000000 976.112057 II-1A-2 0.000000 0.000000 3.698453 0.000000 958.858222 II-1A-3 0.000000 0.000000 2.813266 0.000000 958.858222 II-B-1 0.000000 0.000000 5.122330 0.000000 997.042582 II-B-2 0.000000 0.000000 5.122330 0.000000 997.042583 II-B-3 0.000000 0.000000 5.122330 0.000000 997.042583 II-B-4 0.000000 0.000000 5.122331 0.000000 997.042581 II-B-5 0.000000 0.000000 5.122329 0.000000 997.042583 II-B-6 2.037903 0.000000 3.084429 2.037903 997.042586 II-PO 0.000000 0.000000 0.000000 0.000000 966.812186 II-1-X 0.000000 0.000000 0.783355 0.000000 1000.000000 II-2-A 0.000000 0.000000 4.992087 0.000000 944.627762 II-R-1 0.000000 0.000000 0.000000 0.000000 0.000000 II-R-2 0.000000 0.000000 0.000000 0.000000 0.000000 II-R-3 0.000000 0.000000 0.000000 0.000000 0.000000 I-C 0.000000 0.000000 75.662429 0.000000 999.780070 I-P 0.000000 0.000000 38861.100000 0.000000 1000.000000 II-1-P 0.000000 0.000000 0.000000 0.000000 1000.000000 II-2-P 0.000000 0.000000 229177.100000 0.000000 1000.000000 I-R-1 0.000000 0.000000 0.000000 0.000000 0.000000 I-R-2 0.000000 0.000000 0.000000 0.000000 0.000000 (1,2) Amount also includes coupon cap or basis risk shortfalls,if applicable. Per $1 denomination.
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 16,018,528.08 Reserve Funds and Credit Enhancements 0.00 Proceeds from Repurchased Loans 0.00 Servicer Advances 151,887.14 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 26,803.82 Swap/Cap Payments 0.00 Total Deposits 16,197,219.04 Withdrawals Swap Payments 0.00 Reserve Funds and Credit Enhancements 0.00 Reimbursement for Servicer Advances 157,285.45 Total Administration Fees 172,383.26 Payment of Interest and Principal 15,867,550.33 Total Withdrawals (Pool Distribution Amount) 16,197,219.04 Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
ADMINISTRATION FEES Gross Servicing Fee* 156,982.89 Insurer Fee (AGC) 1-A-1 4,941.29 Insurer Fee (AGC) 1-A-2 1,441.37 Insurer Fee (FGIC) 9,017.71 Supported Prepayment/Curtailment Interest Shortfall 0.00 Total Administration Fees 172,383.26 *Servicer Payees include: EMC MTG CORP; PHH US MTG CORP; SUN TRUST MTG INC; WATERFIELD MTG CORP; WELLS FARGO BANK, N.A.
Reserve Accounts Account Name Beginning Current Withdrawals Current Deposits Ending Balance Balance Net WAC Reserve Fund 0.00 4,251.54 4,251.54 0.00 Class R Initial 0.00 0.00 0.00 0.00 Deposit Reserve Fund 100.00 0.00 0.00 100.00 Reserve Fund 100.00 0.00 0.00 100.00 Reserve Fund 100.00 0.00 0.00 100.00 OTHER ACCOUNTS Account Name Funds In (A) Funds Out(B) Net Amount(A - B) FGIC Insurance Policy 0.00 0.00 0.00 AGC Insurance Policy 0.00 0.00 0.00
COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 6.472883% Weighted Average Net Coupon 6.222883% Weighted Average Pass-Through Rate 6.186323% Weighted Average Remaining Term 323 Beginning Scheduled Collateral Loan Count 3,661 Number Of Loans Paid In Full 54 Ending Scheduled Collateral Loan Count 3,607 Beginning Scheduled Collateral Balance 753,517,902.47 Ending Scheduled Collateral Balance 741,522,958.83 Ending Actual Collateral Balance at 30-Nov-2005 741,935,153.35 Monthly P&I Constant 4,585,351.03 Special Servicing Fee 0.00 Prepayment Penalty Waived Amount 0.00 Prepayment Penalty Waived Count 0 Prepayment Penalty Paid Amount 26,803.82 Prepayment Penalty Paid Count Not Available Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 520,823.45 Unscheduled Principal 11,474,120.19
Group Level Collateral Statement Group Group 1 Group 2 Group 3 Collateral Description Mixed Fixed Mixed Fixed Mixed Fixed Weighted Average Coupon Rate 6.495866 6.233945 6.536736 Weighted Average Net Rate 6.245866 5.983945 6.286736 Weighted Average Remaining Term 355 175 355 Beginning Loan Count 596 700 2,365 Loans Paid In Full 10 8 36 Ending Loan Count 586 692 2,329 Beginning Scheduled Balance 210,625,119.19 130,474,047.85 412,418,735.43 Ending Scheduled Balance 207,574,723.56 129,070,160.16 404,878,075.11 Record Date 11/30/2005 11/30/2005 11/30/2005 Principal And Interest Constant 1,250,960.55 871,031.35 2,463,359.13 Scheduled Principal 110,800.15 193,224.64 216,798.66 Unscheduled Principal 2,939,595.48 1,210,663.05 7,323,861.66 Scheduled Interest 1,140,160.40 677,806.71 2,246,560.47 Servicing Fee 43,880.23 27,182.09 85,920.57 Master Servicing Fee 0.00 0.00 0.00 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 3,037.32 3,487.31 16,432.50 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 1,093,242.85 647,137.31 2,144,207.40 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 26803.82 0.00 0.00 Prepayment Penalty Paid Count Not Available 0 0 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.228561 5.951871 6.238923
Group Level Collateral Statement Group Total Collateral Description Mixed Fixed Weighted Average Coupon Rate 6.472883 Weighted Average Net Rate 6.222883 Weighted Average Remaining Term 323 Beginning Loan Count 3,661 Loans Paid In Full 54 Ending Loan Count 3,607 Beginning Scheduled Balance 753,517,902.47 Ending scheduled Balance 741,522,958.83 Record Date 11/30/2005 Principal And Interest Constant 4,585,351.03 Scheduled Principal 520,823.45 Unscheduled Principal 11,474,120.19 Scheduled Interest 4,064,527.58 Servicing Fee 156,982.89 Master Servicing Fee 0.00 Trustee Fee 0.00 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 22,957.13 Pool Insurance Fee 0.00 Spread 1 0.00 Spread 2 0.00 Spread 3 0.00 Net Interest 3,884,587.56 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalty Waived Amount 0.00 Prepayment Penalty Waived Count 0 Prepayment Penalty Paid Amount 26803.82 Prepayment Penalty Paid Count Not Available Special Servicing Fee 0.00 Pass-Through Rate 6.186323
Additional Reporting - Deal Level Miscellaneous Reporting 3 Month Rolling Average Delinquency 0.003193% Group I Extra Prin Distribution 131,990.64 Overcollateralization Amount 1,744,083.74 #OC_REL_AMT1 0.00 #TARGET_OC_AMT1 1,744,083.74 Yield Maintenance 0.00
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL 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 3 0 0 3 513,291.30 0.00 0.00 513,291.30 30 Days 86 1 0 0 87 18,681,421.09 101,490.96 0.00 0.00 18,782,912.05 60 Days 20 1 0 0 21 3,968,807.65 75,871.93 0.00 0.00 4,044,679.58 90 Days 14 1 0 0 15 1,743,571.40 71,950.45 0.00 0.00 1,815,521.85 120 Days 2 0 0 0 2 321,600.00 0.00 0.00 0.00 321,600.00 150 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 122 6 0 0 128 24,715,400.14 762,604.64 0.00 0.00 25,478,004.78 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 0.083172% 0.000000% 0.000000% 0.083172% 0.069183% 0.000000% 0.000000% 0.069183% 30 Days 2.384253% 0.027724% 0.000000% 0.000000% 2.411977% 2.517932% 0.013679% 0.000000% 0.000000% 2.531611% 60 Days 0.554477% 0.027724% 0.000000% 0.000000% 0.582201% 0.534926% 0.010226% 0.000000% 0.000000% 0.545153% 90 Days 0.388134% 0.027724% 0.000000% 0.000000% 0.415858% 0.235003% 0.009698% 0.000000% 0.000000% 0.244701% 120 Days 0.055448% 0.000000% 0.000000% 0.000000% 0.055448% 0.043346% 0.000000% 0.000000% 0.000000% 0.043346% 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 3.382312% 0.166343% 0.000000% 0.000000% 3.548655% 3.331208% 0.102786% 0.000000% 0.000000% 3.433993%
OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 151,887.14
Delinquency Status By Group DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL Group 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 15 0 0 0 15 5,998,988.78 0.00 0.00 0.00 5,998,988.78 60 Days 4 0 0 0 4 1,006,736.31 0.00 0.00 0.00 1,006,736.31 90 Days 2 1 0 0 3 132,259.87 71,950.45 0.00 0.00 204,210.32 120 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 21 1 0 0 22 7,137,984.96 71,950.45 0.00 0.00 7,209,935.41 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 2.559727% 0.000000% 0.000000% 0.000000% 2.559727% 2.888796% 0.000000% 0.000000% 0.000000% 2.888796% 60 Days 0.682594% 0.000000% 0.000000% 0.000000% 0.682594% 0.484791% 0.000000% 0.000000% 0.000000% 0.484791% 90 Days 0.341297% 0.170648% 0.000000% 0.000000% 0.511945% 0.063689% 0.034648% 0.000000% 0.000000% 0.098337% 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 3.583618% 0.170648% 0.000000% 0.000000% 3.754266% 3.437277% 0.034648% 0.000000% 0.000000% 3.471924% DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL Group 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 15 0 0 0 15 3,608,795.97 0.00 0.00 0.00 3,608,795.97 60 Days 2 0 0 0 2 161,591.84 0.00 0.00 0.00 161,591.84 90 Days 4 0 0 0 4 523,441.34 0.00 0.00 0.00 523,441.34 120 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 21 0 0 0 21 4,293,829.15 0.00 0.00 0.00 4,293,829.15 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 2.167630% 0.000000% 0.000000% 0.000000% 2.167630% 2.792812% 0.000000% 0.000000% 0.000000% 2.792812% 60 Days 0.289017% 0.000000% 0.000000% 0.000000% 0.289017% 0.125054% 0.000000% 0.000000% 0.000000% 0.125054% 90 Days 0.578035% 0.000000% 0.000000% 0.000000% 0.578035% 0.405086% 0.000000% 0.000000% 0.000000% 0.405086% 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 3.034682% 0.000000% 0.000000% 0.000000% 3.034682% 3.322952% 0.000000% 0.000000% 0.000000% 3.322952% DELINQUENT BANKRUPTCY FORECLOSURE REO TOTAL Group 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 3 0 0 3 513,291.30 0.00 0.00 513,291.30 30 Days 56 1 0 0 57 9,073,636.34 101,490.96 0.00 0.00 9,175,127.30 60 Days 14 1 0 0 15 2,800,479.50 75,871.93 0.00 0.00 2,876,351.43 90 Days 8 0 0 0 8 1,087,870.19 0.00 0.00 0.00 1,087,870.19 120 Days 2 0 0 0 2 321,600.00 0.00 0.00 0.00 321,600.00 150 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 80 5 0 0 85 13,283,586.03 690,654.19 0.00 0.00 13,974,240.22 0-29 Days 0.128811% 0.000000% 0.000000% 0.128811% 0.126722% 0.000000% 0.000000% 0.126722% 30 Days 2.404465% 0.042937% 0.000000% 0.000000% 2.447402% 2.240106% 0.025056% 0.000000% 0.000000% 2.265162% 60 Days 0.601116% 0.042937% 0.000000% 0.000000% 0.644053% 0.691384% 0.018731% 0.000000% 0.000000% 0.710116% 90 Days 0.343495% 0.000000% 0.000000% 0.000000% 0.343495% 0.268574% 0.000000% 0.000000% 0.000000% 0.268574% 120 Days 0.085874% 0.000000% 0.000000% 0.000000% 0.085874% 0.079397% 0.000000% 0.000000% 0.000000% 0.079397% 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 3.434951% 0.214684% 0.000000% 0.000000% 3.649635% 3.279461% 0.170509% 0.000000% 0.000000% 3.449971%
REO Detail - All Mortgage Loans in REO during Current Period
Summary 12 Month REO History* New REO Loans Month REO Percentage 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. Group 1 12 Month REO History* New REO Loans Month REO Percentage 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. Group 2 12 Month REO History* New REO Loans Month REO Percentage 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. Group 3 12 Month REO History* New REO Loans Month REO Percentage 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 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 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 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. Group 1 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage 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. Group 2 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage 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. Group 3 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage 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 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 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 Loans in Bankruptcy 3 Jan-05 0.000% Original Principal Balance 313,484.00 Feb-05 0.000% Current Principal Balance 312,101.53 Mar-05 0.000% Apr-05 0.000% Current Bankruptcy Total May-05 0.000% Loans in Bankruptcy 6 Jun-05 0.000% Original Principal Balance 766,004.00 Jul-05 0.000% Current Principal Balance 762,604.64 Aug-05 0.000% Sep-05 0.000% Oct-05 0.037% Nov-05 0.060% Dec-05 0.103% *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. Group 1 12 Month Bankruptcy History* New Bankruptcy Loans Month Bankruptcy Percentage Loans in Bankruptcy 1 Jan-05 0.000% Original Principal Balance 72,000.00 Feb-05 0.000% Current Principal Balance 71,950.45 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 72,000.00 Jul-05 0.000% Current Principal Balance 71,950.45 Aug-05 0.000% Sep-05 0.000% Oct-05 0.000% Nov-05 0.000% Dec-05 0.035% *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. Group 2 12 Month Bankruptcy History* New Bankruptcy Loans Month Bankruptcy Percentage 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. Group 3 12 Month Bankruptcy History* New Bankruptcy Loans Month Bankruptcy Percentage Loans in Bankruptcy 2 Jan-05 0.000% Original Principal Balance 241,484.00 Feb-05 0.000% Current Principal Balance 240,151.08 Mar-05 0.000% Apr-05 0.000% Current Bankruptcy Total May-05 0.000% Loans in Bankruptcy 5 Jun-05 0.000% Original Principal Balance 694,004.00 Jul-05 0.000% Current Principal Balance 690,654.19 Aug-05 0.000% Sep-05 0.000% Oct-05 0.067% Nov-05 0.109% Dec-05 0.171% *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 Group 1 0060006247 Dec-2005 01-Aug-2005 GA 80.00 72,000.00 Group 3 0000059207 Nov-2005 01-Jul-2005 MD 80.00 93,600.00 Group 3 0002199319 Nov-2005 01-Aug-2005 IL 80.00 76,000.00 Group 3 0086117504 Dec-2005 01-May-2005 TX 79.69 102,000.00 Group 3 0117662262 Dec-2005 01-Jun-2005 TN 89.98 139,484.00 Group 3 0118169986 Oct-2005 01-Jun-2005 ME 90.00 282,920.00
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 Group 1 0060006247 71,950.45 01-Aug-2005 3 7.875% 1,826.83 Group 3 0000059207 93,600.00 01-Nov-2005 0 6.375% 955.50 Group 3 0002199319 75,871.93 01-Sep-2005 2 6.875% 1,674.78 Group 3 0086117504 101,490.96 01-Oct-2005 1 7.000% 1,712.66 Group 3 0117662262 138,660.12 01-Nov-2005 0 6.125% 1,289.02 Group 3 0118169986 281,031.18 01-Nov-2005 0 6.500% 2,928.06
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 Group 1 0 0.00 0.00 0.000% Group 2 0 0.00 0.00 0.000% Group 3 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 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) No losses this period.
Realized Loss Report - Collateral Summary MDR SDA 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. 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 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. 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. Group 1 MDR SDA 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. 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 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. 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. Group 2 MDR SDA 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. 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 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. 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. Group 3 MDR SDA 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. 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 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. 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. 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)
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 Group 1 10 2,932,600.00 2,928,540.08 0 0.00 0.00 Group 2 8 1,205,047.00 1,193,433.19 0 0.00 0.00 Group 3 36 7,301,904.00 7,280,657.14 0 0.00 0.00 Total 54 11,439,551.00 11,402,630.41 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 Group 1 0 0.00 0.00 0 0.00 0.00 11,970.37 Group 2 0 0.00 0.00 0 0.00 0.00 19,100.09 Group 3 0 0.00 0.00 0 0.00 0.00 47,087.57 Total 0 0.00 0.00 0 0.00 0.00 78,158.03
Prepayment Loan Detail - Prepayments during Current Period First Original Loan LTV at Payment Principal Prepayment Group Number State Origination Date Balance Amount Group 1 0000502406 TX 67.05 01-Aug-2005 73,750.00 73,436.60 Group 1 0002377921 CA 75.00 01-Aug-2005 427,500.00 425,770.24 Group 1 0086109279 IL 79.94 01-May-2005 67,150.00 66,752.37 Group 1 0086191566 MO 72.76 01-May-2005 42,200.00 41,883.57 Group 1 0116618703 CA 82.73 01-Jun-2005 364,000.00 364,000.00 Group 1 0116910605 CT 44.72 01-Jun-2005 72,000.00 71,481.95 Group 1 0201676251 CA 66.15 01-Jul-2005 430,000.00 430,000.00 Group 1 0201693728 MA 80.00 01-Jul-2005 408,000.00 408,000.00 Group 1 0400842212 AZ 80.00 01-Jul-2005 648,000.00 648,000.00 Group 1 0535059737 MD 88.88 01-Aug-2005 400,000.00 398,300.38 Group 2 0002353384 MD 80.00 01-Jul-2005 264,000.00 258,820.63 Group 2 0002376047 MD 80.00 01-Aug-2005 192,000.00 192,000.00 Group 2 0002377690 MD 80.00 01-Aug-2005 173,600.00 173,600.00 Group 2 0024050086 FL 78.98 01-Jul-2005 202,200.00 202,200.00 Group 2 0116538000 MD 33.72 01-Jun-2005 60,000.00 58,532.68 Group 2 0117196741 IA 60.04 01-Jun-2005 78,172.00 76,222.11 Group 2 0117394924 HI 46.11 01-Jun-2005 113,000.00 110,050.19 Group 2 3200312070 IL 95.00 01-Mar-2004 122,075.00 120,137.35 Group 3 0000454737 AZ 80.00 01-Jul-2005 224,000.00 222,708.02 Group 3 0002238000 AZ 80.00 01-Aug-2005 241,984.00 240,851.38 Group 3 0002351717 MD 80.00 01-Aug-2005 241,600.00 240,322.88 Group 3 0002360029 NY 80.00 01-Aug-2005 288,400.00 287,174.54 Group 3 0002374806 NC 80.00 01-Aug-2005 267,920.00 267,920.00 Group 3 0002377567 VA 71.11 01-Aug-2005 96,000.00 95,665.29 Group 3 0002378617 NV 50.77 01-Aug-2005 230,000.00 230,000.00 Group 3 0002903821 CA 80.00 01-Aug-2005 293,520.00 293,463.31 Group 3 0021038484 ME 70.00 01-Jul-2005 88,450.00 88,450.00 Group 3 0031219876 GA 90.00 01-Jul-2005 314,900.00 314,900.00 Group 3 0040042059 CT 80.00 01-Aug-2005 176,000.00 175,322.09 Group 3 0060005924 MN 80.00 01-Aug-2005 266,000.00 266,000.00 Group 3 0060006095 TX 80.00 01-Jul-2005 186,475.00 185,652.22 Group 3 0086200490 FL 95.00 01-Apr-2005 105,450.00 104,653.57 Group 3 0086298056 WA 95.00 01-May-2005 239,400.00 238,148.88 Group 3 0115121121 MA 81.94 01-Jun-2005 147,500.00 147,199.48 Group 3 0115135527 MD 80.00 01-Jun-2005 258,613.00 256,868.21 Group 3 0116057324 CA 61.88 01-Jun-2005 317,000.00 317,000.00 Group 3 0116251224 OR 89.80 01-Jun-2005 150,500.00 149,531.96 Group 3 0116311549 NY 90.00 01-Jun-2005 123,625.00 122,156.97 Group 3 0116628447 AZ 64.00 01-Jun-2005 214,400.00 212,642.29 Group 3 0116678806 CA 72.98 01-Jun-2005 282,900.00 281,244.80 Group 3 0117758029 MD 90.00 01-Jun-2005 135,000.00 135,000.00 Group 3 0117943647 CA 51.25 01-Jun-2005 157,000.00 155,887.24 Group 3 0118084847 MD 80.00 01-Jun-2005 232,000.00 232,000.00 Group 3 0118365741 GA 76.97 01-Jun-2005 124,023.00 123,124.72 Group 3 0143372431 AZ 90.00 01-Jul-2005 76,500.00 76,500.00 Group 3 0143451201 WA 90.00 01-Jul-2005 148,450.00 148,450.00 Group 3 0150005903 NY 80.00 01-Aug-2005 296,000.00 294,831.42 Group 3 0150006460 NJ 80.00 01-Aug-2005 212,000.00 211,348.68 Group 3 0150006678 NJ 80.00 01-Aug-2005 227,664.00 226,767.55 Group 3 0201712429 AZ 79.98 01-Jul-2005 246,100.00 246,099.99 Group 3 0201766946 VA 73.15 01-Jul-2005 201,900.00 200,675.03 Group 3 1036004338 NJ 80.00 01-May-2005 85,680.00 85,197.30 Group 3 1067001937 NJ 80.00 01-Jun-2005 204,000.00 202,920.11 Group 3 MC10942571 TX 68.12 01-Aug-2005 200,950.00 200,096.16
Prepayment Loan Detail - Prepayments during Current Period (continued) Current Loan PIF Months Loan Original Group Number Type Delinquent Rate Term Seasoning Group 1 0000502406 Loan Paid in Full 0 6.875% 360 4 Group 1 0002377921 Loan Paid in Full (1) 7.125% 360 4 Group 1 0086109279 Loan Paid in Full 0 7.625% 360 7 Group 1 0086191566 Loan Paid in Full (1) 7.250% 360 7 Group 1 0116618703 Loan Paid in Full 0 6.625% 360 6 Group 1 0116910605 Loan Paid in Full 0 6.125% 360 6 Group 1 0201676251 Loan Paid in Full (1) 6.125% 360 5 Group 1 0201693728 Loan Paid in Full 0 6.875% 360 5 Group 1 0400842212 Loan Paid in Full 0 7.625% 360 5 Group 1 0535059737 Loan Paid in Full 0 6.875% 360 4 Group 2 0002353384 Loan Paid in Full 1 6.750% 180 5 Group 2 0002376047 Loan Paid in Full 0 6.750% 180 4 Group 2 0002377690 Loan Paid in Full 0 6.750% 180 4 Group 2 0024050086 Loan Paid in Full 0 7.000% 180 5 Group 2 0116538000 Loan Paid in Full (1) 5.990% 180 6 Group 2 0117196741 Loan Paid in Full 0 5.750% 180 6 Group 2 0117394924 Loan Paid in Full 0 5.875% 180 6 Group 2 3200312070 Loan Paid in Full 0 7.990% 180 21 Group 3 0000454737 Loan Paid in Full 0 6.250% 360 5 Group 3 0002238000 Loan Paid in Full 0 6.375% 360 4 Group 3 0002351717 Loan Paid in Full 1 6.250% 360 4 Group 3 0002360029 Loan Paid in Full 0 6.875% 360 4 Group 3 0002374806 Loan Paid in Full 0 6.875% 360 4 Group 3 0002377567 Loan Paid in Full 0 7.875% 360 4 Group 3 0002378617 Loan Paid in Full (1) 6.875% 360 4 Group 3 0002903821 Loan Paid in Full (1) 7.875% 360 4 Group 3 0021038484 Loan Paid in Full 0 6.625% 360 5 Group 3 0031219876 Loan Paid in Full (1) 7.000% 360 5 Group 3 0040042059 Loan Paid in Full 0 7.375% 360 4 Group 3 0060005924 Loan Paid in Full 0 8.125% 360 4 Group 3 0060006095 Loan Paid in Full 0 7.625% 360 5 Group 3 0086200490 Loan Paid in Full 0 7.000% 360 8 Group 3 0086298056 Loan Paid in Full 0 8.250% 360 7 Group 3 0115121121 Loan Paid in Full 0 6.250% 360 6 Group 3 0115135527 Loan Paid in Full 1 6.250% 360 6 Group 3 0116057324 Loan Paid in Full 0 6.125% 360 6 Group 3 0116251224 Loan Paid in Full 0 6.500% 360 6 Group 3 0116311549 Loan Paid in Full 0 8.250% 360 6 Group 3 0116628447 Loan Paid in Full (1) 5.990% 360 6 Group 3 0116678806 Loan Paid in Full 0 6.990% 360 6 Group 3 0117758029 Loan Paid in Full 0 6.500% 360 6 Group 3 0117943647 Loan Paid in Full 0 5.990% 360 6 Group 3 0118084847 Loan Paid in Full 0 6.625% 360 6 Group 3 0118365741 Loan Paid in Full (1) 5.875% 360 6 Group 3 0143372431 Loan Paid in Full 0 8.000% 360 5 Group 3 0143451201 Loan Paid in Full 0 7.250% 360 5 Group 3 0150005903 Loan Paid in Full 0 7.250% 360 4 Group 3 0150006460 Loan Paid in Full 2 8.500% 360 4 Group 3 0150006678 Loan Paid in Full 0 7.750% 360 4 Group 3 0201712429 Loan Paid in Full 0 6.375% 360 5 Group 3 0201766946 Loan Paid in Full 0 6.250% 360 5 Group 3 1036004338 Loan Paid in Full 0 7.875% 360 7 Group 3 1067001937 Loan Paid in Full 0 7.500% 360 6 Group 3 MC10942571 Loan Paid in Full 0 6.875% 360 4
Prepayment - Voluntary Prepayments
Summary SMM CPR PSA Current Month 1.524% Current Month 16.828% Current Month 1,641.199% 3 Month Average 1.005% 3 Month Average 11.330% 3 Month Average 1,329.115% 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. 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 15.642% N/A Sep-2005 3,673.636% N/A Oct-2005 6.900% N/A Oct-2005 1,103.203% N/A Nov-2005 10.261% N/A Nov-2005 1,242.944% N/A Dec-2005 16.828% N/A Dec-2005 1,641.199% 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. Group 1 SMM CPR PSA Current Month 1.396% Current Month 15.528% Current Month 1,541.270% 3 Month Average 0.728% 3 Month Average 8.254% 3 Month Average 941.342% 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. 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 25.944% N/A Sep-2005 6,356.571% N/A Oct-2005 3.404% N/A Oct-2005 560.264% N/A Nov-2005 5.832% N/A Nov-2005 722.493% N/A Dec-2005 15.528% N/A Dec-2005 1,541.270% 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. Group 2 SMM CPR PSA Current Month 0.929% Current Month 10.599% Current Month 1,117.641% 3 Month Average 0.579% 3 Month Average 6.697% 3 Month Average 862.771% 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. 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 4.087% N/A Sep-2005 1,158.772% N/A Oct-2005 4.333% N/A Oct-2005 784.483% N/A Nov-2005 5.160% N/A Nov-2005 686.189% N/A Dec-2005 10.599% N/A Dec-2005 1,117.641% 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. Group 3 SMM CPR PSA Current Month 1.777% Current Month 19.356% Current Month 1,827.600% 3 Month Average 1.280% 3 Month Average 14.232% 3 Month Average 1,627.152% 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. 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 13.412% N/A Sep-2005 2,931.233% N/A Oct-2005 9.395% N/A Oct-2005 1,428.833% N/A Nov-2005 13.946% N/A Nov-2005 1,625.023% N/A Dec-2005 19.356% N/A Dec-2005 1,827.600% 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. 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))
Modifications Loan Beginning Current Prior Modified Prior Modified Number Balance Balance Rate Rate Payment Payment 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 No Substitutions this Period
Repurchases Loan Current Current Current Number Balance Rate Payment No Repurchases this Period
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