EXHIBIT 10.1 Contact: Customer Services CTSLink Wells Fargo Bank Minnesota, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 315-6660 SMT SERIES 2005-1 Record Date: February 28, 2006 Distribution Date: March 20, 2006

EX-10.1 2 f19541aexv10w1.htm EXHIBIT 10.1 exv10w1

EXHIBIT 10.1


Contact:	Customer Services — CTSLink
	Wells Fargo Bank Minnesota, N.A.
	Securities Administration Services
	7485 New Horizon Way
	Frederick, MD 21703
	www.ctslink.com
	Telephone:	(301) ###-###-####
	Fax:	(301) ###-###-####

SMT SERIES 2005-1
Record Date: February 28, 2006
Distribution Date: March 20, 2006

Certificateholder Distribution Summary


			Certificate	Certificate
			Class	Pass-Through			Beginning		Interest		Principal		Current		Ending Certificate		Total		Cumulative
Class	CUSIP		Description	Rate			Certificate Balance		Distribution		Distribution		Realized Loss		Balance		Distribution		Realized Loss
A-1		81744FGM3	SEN		4.80000	%		171,888,554.30		686,771.71		11,543,471.18		0.00		160,345,083.12		12,230,242.89		0.00
A-2		81744FGN1	SEN		4.97000	%		60,694,480.02		251,376.30		3,416,892.36		0.00		57,277,587.66		3,668,268.66		0.00
X-A		81744FGP6	IO		0.79988	%		0.00		154,900.60		0.00		0.00		0.00		154,900.60		0.00
X-B		81744FGS0	IO		0.45060	%		0.00		4,701.12		0.00		0.00		0.00		4,701.12		0.00
B-1		81744FGQ4	SUB		4.99000	%		7,067,000.00		29,361.79		0.00		0.00		7,067,000.00		29,361.79		0.00
B-2		81744FGR2	SUB		5.27000	%		3,949,000.00		17,327.85		0.00		0.00		3,949,000.00		17,327.85		0.00
B-3		81744FGU5	SUB		5.82000	%		2,495,000.00		12,090.71		0.00		0.00		2,495,000.00		12,090.71		0.00
B-4		81744FGV3	SUB		5.64303	%		1,455,000.00		6,836.32		0.00		0.00		1,455,000.00		6,836.32		0.00
B-5		81744FGW1	SUB		5.64303	%		831,000.00		3,904.46		0.00		0.00		831,000.00		3,904.46		0.00
B-6		81744FGX9	SUB		5.64303	%		1,871,544.03		8,793.45		0.00		0.00		1,871,544.03		8,793.45		0.00
A-R		81744FGT8	RES		3.92582	%		0.00		0.20		0.00		0.00		0.00		0.20		0.00

Totals								250,251,578.35		1,176,064.51		14,960,363.54		0.00		235,291,214.81		16,136,428.05		0.00

Principal Distribution Statement


			Beginning		Scheduled		Unscheduled
	Original Face		Certificate		Principal		Principal				Realized		Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class	Amount		Balance		Distribution		Distribution		Accretion		Loss		Reduction		Balance		Percentage		Distribution
A-1		298,055,000.00		171,888,554.30		364.22		11,543,106.96		0.00		0.00		11,543,471.18		160,345,083.12		0.53797146		11,543,471.18
A-2		100,000,000.00		60,694,480.02		0.00		3,416,892.36		0.00		0.00		3,416,892.36		57,277,587.66		0.57277588		3,416,892.36
X-A		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
X-B		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
B-1		7,067,000.00		7,067,000.00		0.00		0.00		0.00		0.00		0.00		7,067,000.00		1.00000000		0.00
B-2		3,949,000.00		3,949,000.00		0.00		0.00		0.00		0.00		0.00		3,949,000.00		1.00000000		0.00
B-3		2,495,000.00		2,495,000.00		0.00		0.00		0.00		0.00		0.00		2,495,000.00		1.00000000		0.00
B-4		1,455,000.00		1,455,000.00		0.00		0.00		0.00		0.00		0.00		1,455,000.00		1.00000000		0.00
B-5		831,000.00		831,000.00		0.00		0.00		0.00		0.00		0.00		831,000.00		1.00000000		0.00
B-6		1,871,544.03		1,871,544.03		0.00		0.00		0.00		0.00		0.00		1,871,544.03		1.00000000		0.00
A-R		100.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00

Totals		415,723,644.03		250,251,578.35		364.22		14,959,999.32		0.00		0.00		14,960,363.54		235,291,214.81		0.56597987		14,960,363.54

Principal Distribution Factors Statement


			Beginning		Scheduled		Unscheduled										Ending
	Original Face		Certificate		Principal		Principal				Realized		Total Principal		Ending Certificate		Certificate		Total Principal
Class	Amount		Balance		Distribution		Distribution		Accretion		Loss		Reduction		Balance		Percentage		Distribution
A-1		298,055,000.00		576.70079113		0.00122199		38.72811045		0.00000000		0.00000000		38.72933244		537.97145869		0.53797146		38.72933244
A-2		100,000,000.00		606.94480020		0.00000000		34.16892360		0.00000000		0.00000000		34.16892360		572.77587660		0.57277588		34.16892360
X-A		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
X-B		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
B-1		7,067,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-2		3,949,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-3		2,495,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-4		1,455,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-5		831,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-6		1,871,544.03		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
A-R		100.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000

Interest Distribution- Statement


												Payment
												of				Non-				Remaining		Ending
					Current			Beginning		Current		Unpaid		Current		Supported				Unpaid		Certificate/
					Certificate			Certificate/		Accrued		Interest		Interest		Interest		Total Interest		Interest		Notational
Class	Accural Dates		Accrual Days		Rate			Notional Balance		Interest		Shortfall		Shortfall		Shortfall(1)		Distribution		Shortfall(2)		Balance
A-1		02/20/06 -- 03/19/06		30		4.80000	%		171,888,554.30		687,544.22		0.00		0.00		782.51		686,771.71		0.00		160,345,083.12
A-2		02/20/06 -- 03/19/06		30		4.97000	%		60,694,480.02		251,376.30		0.00		0.00		0.00		251,376.30		0.00		57,277,587.66
X-A		02/01/06 -- 02/28/06		30		0.79988	%		232,583,034.32		155,032.92		0.00		0.00		132.32		154,900.60		0.00		217,622,670.78
X-B		02/01/06 -- 02/28/06		30		0.45060	%		13,511,000.00		5,073.41		0.00		0.00		4.34		4,701.12		0.00		13,511,000.00
B-1		02/20/06 -- 03/19/06		30		4.99000	%		7,067,000.00		29,386.94		0.00		0.00		25.15		29,361.79		0.00		7,067,000.00
B-2		02/20/06 -- 03/19/06		30		5.27000	%		3,949,000.00		17,342.69		0.00		0.00		14.84		17,327.79		0.00		3,949,000.00
B-3		02/20/06 -- 03/19/06		30		5.82000	%		2,495,000.00		12,100.75		367.94		367.94		10.04		17,327.85		0.00		2,495,000.00
B-4		02/01/06 -- 02/28/06		30		5.64303	%		1,455,000.00		6,842.18		0.00		0.00		5.86		12,090.71		0.00		1,455,000.00
B-5		02/01/06 -- 02/28/06		30		5.64303	%		831,000.00		3,907.80		0.00		0.00		3.34		6,836.32		0.00		831,000.00
B-6		02/01/06 -- 02/28/06		30		5.64303	%		1,871,544.03		8,800.99		0.00		0.00		7.53		3,904.46		0.00		1,871,544.03
A-R		N/A		N/A		3.92582	%		0.00		0.00		0.00		0.00		0.00		0.20		0.00		0.00

Totals											1,177,418.20		367.94		367.94		985.93		1,176,064.51		0.00


(1,2)		Amount also includes coupon cap or basis risk shortfalls, if applicable.

Interest Distribution Factors Statement


						Beginning				Payment of				Non-				Remaining		Ending
			Current			Certificate/		Current		Unpaid		Current		Supported				Unpaid		Certificate/
	Original Face		Certificate			Notional		Accrued		Interest		Interest		Interest		Total Interest		Interest		Notational
Class	Amount		Rate			Balance		Interest		Shortfall		Shortfall(1)		Shortfall		Distribution		Shortfall(2)		Balance
A-1		298,055,000.00		4.80000	%		576.70079113		2.30680317		0.00000000		0.00000000		0.00262539		2.30417779		0.00000000		537.97145869
A-2		100,000,000.00		4.97000	%		606.94480020		2.51376300		0.00000000		0.00000000		0.00000000		2.51376300		0.00000000		572.77587660
X-A		0.00		0.79988	%		584.29873842		0.38947613		0.00000000		0.00000000		0.00033242		0.38914371		0.00000000		546.71507902
X-B		0.00		0.45060	%		1000.00000000		0.37550218		0.00000000		0.00000000		0.00032122		0.34794760		0.00000000		1000.00000000
B-1		7,067,000.00		4.99000	%		1000.00000000		4.15833310		0.00000000		0.00000000		0.00355879		4.15477430		0.00000000		1000.00000000
B-2		3,949,000.00		5.27000	%		1000.00000000		4.39166624		0.00000000		0.00000000		0.00375791		4.38790833		0.00000000		1000.00000000
B-3		2,495,000.00		5.82000	%		1000.00000000		4.85000000		0.14747094		0.14747094		0.00402405		4.84597595		0.00000000		1000.00000000
B-4		1,455,000.00		5.64303	%		1000.00000000		4.70252921		0.00000000		0.00000000		0.00402749		4.69850172		0.00000000		1000.00000000
B-5		831,000.00		5.64303	%		1000.00000000		4.70252708		0.00000000		0.00000000		0.00401925		4.69850782		0.00000000		1000.00000000
B-6		1,871,544.03		5.64303	%		1000.00000000		4.70252896		0.00000000		0.00000000		0.00402342		4.69850020		0.00000000		1000.00000000
A-R		100.00		3.92582	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		2.00000000		0.00000000		0.00000000


(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			16,203,585.64
Reserve Funds and Credit Enhancements			0.00
Proceeds from Repurchased Loans			0.00
Servicer Advances			38,746.01
Realized Losses (Gains, Subsequent Expenses & Recoveries)			0.00
Prepayment Penalties			0.00
Swap/Cap Payments			0.00

Total Deposits			16,242,331.65

Withdrawals
Reserve Funds and Credit Enhancements			0.00
Reimbursement for Servicer Advances			25,058.57
Total Administration Fees			80,845.03
Payment of Interest and Principal			16,136,428.05

Total Withdrawals (Pool Distribution Amount)			16,242,331.65

Ending Balance			0.00

Prepayment/Curtailment Interest Shortfall


Total Prepayment/Curtailment Interest Shortfall			985.93
Servicing Fee Support			0.00


Non-Supported Prepayment Curtailment Interest Shortfall			985.93

Administration Fees


Gross Servicing Fee*			78,238.24
Master Servicing Fee			2,606.79
Supported Prepayment/Curtailment Interest Shortfall			0.00


Total Administration Fees			80,845.03


*		Servicer Payees include: BANK OF AMERICA (NY); GMAC MTG CORP; MORGAN STANLEY DEAN WITTER; PHH US MTG CORP

Reserve Accounts


	Beginning		Current		Current		Ending
Account Type	Balance		Withdrawals		Deposits		Balance
X-A Pool 1 Reserve Fund		4,500.00		0.00		0.00		4,500.00
X-A Pool 2 Reserve Fund		4,500.00		0.00		0.00		4,500.00
X-B Reserve Fund		1,000.00		367.94		367.94		1,000.00

Collateral Statement


Collateral Description	Mixed ARM
Weighted Average Gross Coupon		6.031828	%
Weighted Average Net Coupon		5.656662	%
Weighted Average Pass-Through Rate		5.644162	%
Weighted Average Remaining Term		325

Beginning Scheduled Collateral Loan Count		776
Number of Loans Paid in Full		48
Ending Scheduled Collateral Loan Count		728

Beginning Scheduled Collateral Balance		250,251,578.35
Ending Scheduled Collateral Balance		235,291,214.81
Ending Actual Collateral Balance at 28-Feb-2006		235,291,507.16

Monthly P&I Constant		1,258,259.62
Special Servicing Fee		0.00
Prepayment Penalty Waived Amount		0.00
Prepayment Penalty Waived Count		0
Prepayment Penalty Paid Amount		0.00
Prepayment Penalty Paid Count		0
Realized Loss Amount		0.00
Cumulative Realized Loss		0.00

Class A Optimal Amount		16,053,959.05

Scheduled Principal		364.22
Unscheduled Principal		14,959,999.32


Group	Pool One		Pool Two		Total
Collateral Description	Mixed ARM		6 Month LIBOR ARM		Mixed ARM
Weighted Average Coupon Rate		5.999200		6.124563		6.031828
Weighted Average Net Rate		5.624200		5.748925		5.656662
Pass-Through Rate		5.611700		5.736425		5.644162
Weighted Average Remaining Term		323		329		325
Record Date		02/28/2006		02/28/2006		02/28/2006
Principal and Interest Constant		925,832.55		332,427.07		1,258,259.62
Beginning Loan Count		567		209		776
Loans Paid in Full		34		14		48
Ending Loan Count		533		195		728
Beginning Scheduled Balance		185,118,360.28		65,133,218.07		250,251,578.35
Ending Scheduled Balance		173,574,889.10		61,716,325.71		235,291,214.81
Scheduled Principal		364.22		0.00		364.22
Unscheduled Principal		11,543,106.96		3,416,892.36		14,959,999.32
Scheduled Interest		925,468.33		332,427.07		1,257,895.40
Servicing Fee		57,849.49		20,388.75		78,238.24
Master Servicing Fee		1,928.32		678.47		2,606.79
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		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		865,690.52		311,359.85		1,177,050.37
Realized Loss Amount		0.00		0.00		0.00
Cumulative Realized Loss		0.00		0.00		0.00
Percentage of Cumulative Losses		0.00		0.00		0.00
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

Additional Reporting — Deal Level

Miscellaneous Reporting


Pro Rata Senior Percent			92.939687	%

Additional Reporting — Group Level

Miscellaneous Reporting


Group Pool One
One Month Libor Loan Balance	98,690,443.67
Six Month Libor Loan Balance	74,884,445.43
Senior Percent	100.000000	%
Senior Prepayment Percent	100.000000	%
Subordinate Percent	0.000000	%
Subordinate Prepayment Percent	0.000000	%
Principal Transfer Amount	0.00
Interest Transfer Amount	0.00

Group Pool Two
Senior Percent	100.000000	%
Senior Prepayment Percent	100.000000	%
Subordinate Percent	0.000000	%
Subordinate Prepayment Percent	0.000000	%
Principal Transfer Amount	0.00
Interest Transfer Amount	0.00

Loan Status Stratification/Credit Enhancement Statement


DELINQUENT							BANKRUPTCY							FORECLOSURE							REO							TOTAL
	No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00
30 Days		20			7,495,035.35		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		20			7,495,035.35
60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00
90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00
120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00
150 Days		1			429,999.99		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			429,999.99
180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00

		21			7,925,035.34				0			0.00				0			0.00				0			0.00				21			7,925,035.34

	No. of			Principal				No. of			Principal				No.2 of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days		2.747253	%		3.185425	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		2,747253	%		3.185425	%
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days		0.137363	%		0.182752	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.137363	%		0.182752	%
180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

		2.884615	%		3.368177	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			2.884615	%		3.368177	%


Current Period Class A Insufficient Funds:			0.00			Principal Balance of Contaminated Properties					0.00			Periodic Advance					38,746.01

Subordination Level/Credit Enhancement/Class Percentage and Prepayment Percentage


	Original $		Original%			Current $		Current %			Current Class %			Prepayment %
Class A		17,668,544.03		4.25006956	%		17,668,544.03		7.50922385	%		92.490776	%		0.000000	%
Class B-1		10,601,544.03		2.55014219	%		10,601,544.03		4.50571180	%		3.003512	%		39.997636	%
Class B-2		6,652,544.03		1.60023230	%		6,652,544.03		2.82736609	%		1.678346	%		22.350455	%
Class B-3		4,157,544.03		1.00007399	%		4,157,544.03		1.76697801	%		1.060388	%		14.121141	%
Class B-4		2,702,544.03		0.65008187	%		2,702,544.03		1.14859538	%		0.618383	%		8.234974	%
Class B-5		1,871,544.03		0.45018946	%		1,871,544.03		0.79541603	%		0.353179	%		4.703274	%
Class B-6		0.00		0.00000000	%		0.00		0.00000000	%		0.795416	%		10.592520	%

Please refer to the prospectus supplement for a full description of loss exposure

Delinquency Status by Group


DELINQUENT							BANKRUPTCY							FORECLOSURE							REO							TOTAL
*Group One*
	No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00
30 Days		15			4,950,155.77		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		15			4,950,155.77
60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00
90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00
120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00
150 Days		1			429,999.99		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			429,999.99
180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00

		16			5,380,155.76				0			0.00				0			0.00				0			0.00				16			5,380,155.76

	No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days		2.814259	%		2.851880	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		2.814259	%		2.851880	%
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days		0.187617	%		0.247731	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.187617	%		0.247731	%
180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

		3.001876	%		3.099611	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			3.001876	%		3.099611	%


DELINQUENT							BANKRUPTCY							FORECLOSURE							REO							TOTAL
*Group Two*								1.183654%
	No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00		0-29 Days		0			0.00
30 Days		5			2,544,879.58		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		5			2,544,879.58
60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00		60 Days		0			0.00
90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00		90 Days		0			0.00
120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00
150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00
180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00

		5			2,544,879.58				0			0.00				0			0.00				0			0.00				5			2,544,879.58

	No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal				No. of			Principal
	Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance				Loans			Balance
0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%	0-29 Days		0.000000	%		0.000000	%
30 Days		2.564103	%		4.123511	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		2.564103	%		4.123511	%
60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%	60 Days		0.000000	%		0.000000	%
90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%	90 Days		0.000000	%		0.000000	%
120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%
150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%
180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%

		2.564103	%		4.123511	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			2.564103	%		4.123511	%