SMT Series 2005-2 Certificateholder Distribution Summary by Wells Fargo Bank Minnesota, N.A.

Summary

This document is a distribution summary for certificateholders of the SMT Series 2005-2, prepared by Wells Fargo Bank Minnesota, N.A. It details the interest and principal payments made to holders of various classes of certificates as of December 30, 2005, with distributions occurring on January 20, 2006. The summary includes beginning and ending balances, interest rates, and payment amounts for each class. No realized losses are reported for this period. The report is intended to inform investors of their payment allocations and the status of their investments.

EX-10.1 2 f17277cexv10w1.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 2005-2
Record Date: December 30, 2005
Distribution Date: January 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		81744FGY7	SEN		4.59000	%		120,852,779.27		462,174.30		7,472,998.46		0.00		113,379,780.81		7,935,172.76		0.00
A-2		81744FGZ4	SEN		4.29000	%		73,396,453.78		262,392.32		6,644,605.50		0.00		66,751,848.28		6,906,997.82		0.00
A-R		81744FHJ9	REZ		4.04281	%		0.00		0.20		0.00		0.00		0.00		0.20		0.00
X-A		81744FHD2	IO		0.63903	%		0.00		103,432.28		0.00		0.00		0.00		103,432.28		0.00
B-1		81744FHA8	SUB		4.76000	%		6,016,000.00		23,860.68		0.00		0.00		6,016,000.00		23,860.68		0.00
B-2		81744FHB6	SUB		5.04000	%		3,266,000.00		13,715.60		0.00		0.00		3,266,000.00		13,715.60		0.00
X-B		81744FHE0	IO		0.25680	%		0.00		1,986.13		0.00		0.00		0.00		1,986.13		0.00
B-3		81744FHC4	SUB		5.11532	%		1,890,000.00		8,055.69		0.00		0.00		1,890,000.00		8,055.69		0.00
B-4		81744FHF7	SUB		5.11532	%		1,231,000.00		5,246.86		0.00		0.00		1,231,000.00		5,246.86		0.00
B-5		81744FHG5	SUB		5.11532	%		687,000.00		2,928.18		0.00		0.00		687,000.00		2,928.18		0.00
B-6		81744FHH3	SUB		5.11532	%		1,549,605.55		6,604.84		0.00		0.00		1,549,605.55		6,604.84		0.00

Totals								208,888,838.60		890,397.08		14,117,603.96		0.00		194,771,234.64		15,008,001.04		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		202,462,000.00		120,852,779.27		706.73		7,472,291.73		0.00		0.00		7,472,998.46		113,379,780.81		0.560005		7,472,998.46
A-2		126,737,000.00		73,396,453.78		440.10		6,644,165.40		0.00		0.00		6,644,605.50		66,751,848.28		0.526696		6,644,605.50
A-R		100.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.000000		0.00
X-A		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.000000		0.00
B-1		6,016,000.00		6,016,000.00		0.00		0.00		0.00		0.00		0.00		6,016,000.00		1.000000		0.00
B-2		3,266,000.00		3,266,000.00		0.00		0.00		0.00		0.00		0.00		3,266,000.00		1.000000		0.00
X-B		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.000000		0.00
B-3		1,890,000.00		1,890,000.00		0.00		0.00		0.00		0.00		0.00		1,890,000.00		1.000000		0.00
B-4		1,231,000.00		1,231,000.00		0.00		0.00		0.00		0.00		0.00		1,231,000.00		1.000000		0.00
B-5		687,000.00		687,000.00		0.00		0.00		0.00		0.00		0.00		687,000.00		1.000000		0.00
B-6		1,549,605.55		1,549,605.55		0.00		0.00		0.00		0.00		0.00		1,549,605.55		1.000000		0.00

Totals		343,838,705.55		208,888,838.60		1,146.83		14,116,457.13		0.00		0.00		14,117,603.96		194,771,234.64		0.566461		14,117,603.96

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		202,462,000.00		596.915862		0.003491		36.907132		0.000000		0.000000		36.910623		560.005240		0.560005		36.910623
A-2		126,737,000.00		579.124121		0.003473		52.424828		0.000000		0.000000		52.428300		526.695821		0.526696		52.428300
A-R		100.00		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000
X-A		0.00		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000
B-1		6,016,000.00		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000
B-2		3,266,000.00		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000
X-B		0.00		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000		0.000000
B-3		1,890,000.00		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000
B-4		1,231,000.00		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000
B-5		687,000.00		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000
B-6		1,549,605.55		1000.000000		0.000000		0.000000		0.000000		0.000000		0.000000		1000.000000		1.000000		0.000000

All Classes per $1,000 denomination.

Interest Distribution- Statement


												Payment
												of				Non-				Remaining		Ending
					Current			Beginning		Current		Unpaid		Current		Supported				Unpaid		Certificate/
			Accrual		Certificate			Certificate/		Accrued		Interest		Interest		Interest		Total Interest		Interest		Notational
Class	Accural Dates		Days		Rate			Notional Balance		Interest		Shortfall		Shortfall		Shortfall(1)		Distribution		Shortfall(2)		Balance

A-1		12/20/05 – 01/19/06		30		4.59000	%		120,852,779.27		462,261.88		0.00		0.00		87.58		462,174.30		0.00		113,379,780.81
A-2		12/20/05 – 01/19/06		30		4.29000	%		73,396,453.78		262,392.32		0.00		0.00		0.00		262,392.32		0.00		66,751,848.28
A-R		N/A		N/A		4.04281	%		0.00		0.00		0.00		0.00		0.00		0.20		0.00		0.00
X-A		12/01/05 – 12/30/05		30		0.63903	%		194,249,233.05		103,442.70		0.00		0.00		10.43		103,432.28		0.00		180,131,629.09
B-1		12/20/05 – 01/19/05		30		4.76000	%		6,016,000.00		23,863.47		0.00		0.00		2.78		23,860.68		0.00		6,016,000.00
B-2		12/20/05 – 01/19/05		30		5.04000	%		3,266,000.00		13,717.20		0.00		0.00		1.60		13,715.60		0.00		3,266,000.00
X-B		12/01/05 – 12/30/05		30		0.25680	%		9,282,000.00		1,986.36		0.00		0.00		0.23		1,986.13		0.00		9,282,000.00
B-3		12/01/05 – 12/30/05		30		5.11532	%		1,890,000.00		8,056.63		0.00		0.00		0.94		8,055.69		0.00		1,890,000.00
B-4		12/01/05 – 12/30/05		30		5.11532	%		1,231,000.00		5,247.47		0.00		0.00		0.61		5,246.86		0.00		1,231,000.00
B-5		12/01/05 – 12/30/05		30		5.11532	%		687,000.00		2,928.52		0.00		0.00		0.34		2,928.18		0.00		687,000.00
B-6		12/01/05 – 12/30/05		30		5.11532	%		1,549,605.55		6,605.61		0.00		0.00		0.77		6,604.84		0.00		1,549,605.55

Totals											890,502.16		0.00		0.00		105.28		890,397.08		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	Accural Dates		Amount		Rate			Balance		Interest		Shortfall		Shortfall(1)		Shortfall		Distribution		Shortfall(2)		Balance

A-1		12/20/05 – 01/19/06		202,462,000.00		4.59000	%		596.915862		2.283203		0.000000		0.000000		0.000433		2.282771		0.000000		560.005240
A-2		12/20/05 – 01/19/06		126,737,000.00		4.29000	%		579.124121		2.070369		0.000000		0.000000		0.000000		2.070369		0.000000		526.695821
A-R		N/A		100.00		4.04281	%		0.000000		0.000000		0.000000		0.000000		0.000000		2.000000		0.000000		0.000000
X-A		12/01/05 – 12/30/05		0.00		0.63903	%		590.066291		0.314225		0.000000		0.000000		0.000032		0.314194		0.000000		547.181580
B-1		12/20/05 – 01/19/05		6,016,000.00		4.76000	%		1000.000000		3.966667		0.000000		0.000000		0.000462		3.966203		0.000000		1000.000000
B-2		12/20/05 – 01/19/05		3,266,000.00		5.04000	%		1000.000000		4.200000		0.000000		0.000000		0.000490		4.199510		0.000000		1000.000000
X-B		12/01/05 – 12/30/05		0.00		0.25680	%		1000.000000		0.214001		0.000000		0.000000		0.000025		0.213977		0.000000		1000.000000
B-3		12/01/05 – 12/30/05		1,890,000.00		5.11532	%		1000.000000		4.262767		0.000000		0.000000		0.000497		4.262270		0.000000		1000.000000
B-4		12/01/05 – 12/30/05		1,231,000.00		5.11532	%		1000.000000		4.262770		0.000000		0.000000		0.000496		4.262275		0.000000		1000.000000
B-5		12/01/05 – 12/30/05		687,000.00		5.11532	%		1000.000000		4.262766		0.000000		0.000000		0.000495		4.262271		0.000000		1000.000000
B-6		12/01/05 – 12/30/05		1,549,605.55		5.11532	%		1000.000000		4.262769		0.000000		0.000000		0.000497		4.262272		0.000000		1000.000000


(1, 2)		Amount also includes coupon cap or basis risk shortfalls, if applicable. All Classes per $1,000 denomination.

Certificateholder Account Statement

Certificate Account


Beginning Balance			0.00

Deposits
Payments of Interest and Principal			15,080,373.14
Reserve Funds and Credit Enhancements			0.00
Proceeds from Repurchased Loans			0.00
Servicer Advances			19,885.05
Realized Losses (Gains, Subsequent Expenses & Recoveries)			0.00
Prepayment Penalties			0.00
Swap/Cap Payments			0.00

Total Deposits			15,100,258.19

Withdrawals
Swap Payments			0.00
Reserve Funds and Credit Enhancements			0.00
Reimbursement for Servicer Advances			23,143.99
Total Administration Fees			69,113.16
Payment of Interest and Principal			15,008,001.04

Total Withdrawals (Pool Distribution Amount)			15,100,258.19

Ending Balance			0.00

Prepayment/Curtailment Interest Shortfall


Total Prepayment/Curtailment Interest Shortfall			105.28
Servicing Fee Support			0.00


Non-Supported Prepayment Curtailment Interest Shortfall			105.28

Administration Fees


Gross Servicing Fee*			66,066.87
Master Servicing Fee			3,04629
Supported Prepayment/Curtailment Interest Shortfall			0.00


Total Administration Fees			69,113.16


*		Servicer Payees include: BANK OF AMERICA (NY); GMAC MTG CORP, MORGAN STANLEY DEAN WITTER; NATIONAL CITY MTG CO; PHH US MTG CORP; RESIDENTIAL FUNDING CORP

Reserve Accounts


Account Type	Beginning Balance		Current Withdrawals		Current Deposits		Ending Balance

Reserve Fund		4,500.00		0.00		0.00		4,500.00
Reserve Fund		4,500.00		0.00		0.00		4,500.00
Reserve Fund		1,000.00		0.00		0.00		1,000.00

Collateral Statement


Collateral Description	Mixed ARM
Weighted Average Gross Coupon		5.545562	%
Weighted Average Net Coupon		5.166028	%
Weighted Average Pass-Through Rate		5.148528	%
Weighted Average Remaining Term		328

Beginning Scheduled Collateral Loan Count		613
Number of Loans Paid in Full		39
Ending Scheduled Collateral Loan Count		574

Beginning Scheduled Collateral Balance		208,888,838.60
Ending Scheduled Collateral Balance		194,771,234.64
Ending Actual Collateral Balance at 30-Dec-2005		194,772,351.18

Monthly P&I Constant		966,485.09
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
Realization Loss Amount		0.00
Cumulative Realized Loss		0.00

Class A Optimal Amount		14,945,700.87

Scheduled Principal		1,146.83
Unscheduled Principal		14,116,457.13


Group	One		Two		Total
Collateral Description	Mixed ARM		Mixed ARM		Mixed ARM
Weighted Average Coupon Rate		5.584691		5.481256		5.545562
Weighted Average Net Rate		5.207000		5.098695		5.166028
Pass-Through Rate		5.189500		5.081195		5.148528
Weighted Average Maturity		324		335		328
Record Date		12/30/2005		12/30/2005		12/30/2005
Principal and Interest Constant		605,095.12		361,389.97		966,485.09
Beginning Loan Count		374		239		613
Loans Paid in Full		22		17		39
Ending Loan Count		352		222		574
Beginning Scheduled Balance		129,866,832.22		79,022,006.38		208,888,838.60
Ending Scheduled Balance		122,393,833.76		72,377,400.88		194,771,234.64
Scheduled Principal		706.73		440.10		1,146.83
Unscheduled Principal		7,472,291.73		6,644,165.40		14,116,457.13
Scheduled Interest		604,388.39		360,949.87		965,338.26
Servicing Fee		40,874.61		25,192.26		66,066.87
Master Servicing Fee		1,893.89		1,152.40		3,046.29
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		561,619.89		334,605.21		896,225.10
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	92.991677	%
Pro Rata Subordinate Percent	7.008323	%

Additional Reporting – Group Level

Miscellaneous Reporting


Group One
One Month Libor Loan Balance	76,639,933.94
Principal Transfer Amount	0.00
Senior Percent	100.000000	%
Senior Prepayment Percent	100.000000	%
Subordinate Percent	0.000000	%
Subordinate Prepayment Percent	0.000000	%
Interest Transfer Amount	0.00


Group Two
Six-Month Libor Loan Balance	45,753,899.82
Principal Transfer Amount	0.00
Senior Percent	100.000000	%
Senior Prepayment Percent	100.000000	%
Subordinate Percent	0.000000	%
Subordinate Prepayment Percent	0.000000	%
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		5			1,653,579.64		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00		30 Days		5			1,653,579.64
60 Days		3			1,284,915.36		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days		3			1,284,915.36
90 Days		1			1,113,111.24		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days		1			1,113,111.24
120 Days		1			232,000.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days		1			232,000.00
150 Days		1			174,844.15		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days		1			174,844.15
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

		11			4,458,450.39			0		0.00			0		0.00			0		0.00				11			4,458,450.39

	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		0.871080	%		0.848981	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days		0.871080	%		0.848981	%
60 Days		0.522648	%		0.659701	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days		0.522648	%		0.659701	%
90 Days		0.174216	%		0.571493	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days		0.174216	%		0.571493	%
120 Days		0.174216	%		0.119113	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days		0.174216	%		0.119113	%
150 Days		0.174216	%		0.089768	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days		0.174216	%		0.089768	%
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	%

		1.916376	%		2.289057	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000	%			1.916376	%		2.289057	%


Current Period Class A Insufficient Funds:			0.00			Principal Balance of Contaminated Properties			0.00			Periodic Advance		$	19,885.05


	Original $		Original%			Current $		Current %			Current Class %			Prepayment %
Class A		14,639,605.55		4.25769563	%		14,639,605.55		7.51630782	%		92.483692	%		0.000000	%
Class B-1		8,623,605.55		2.50803805	%		8,623,605.55		4.42755603	%		3.088752	%		41.094003	%
Class B-2		5,357,605.55		1.55817407	%		5,357,605.55		2.75071705	%		1.676839	%		22.309344	%
Class B-3		3,467,605.55		1.00849773	%		3,467,605.55		1.78034788	%		0.970369	%		12.910184	%
Class B-4		2,236,605.55		0.65048103	%		2,236,605.55		1.14832437	%		0.632024	%		8.408697	%
Class B-5		1,549,605.55		0.45067804	%		1,549,605.55		0.79560288	%		0.352721	%		4.692749	%
Class B-6		0.00		0.00000000	%		0.00		0.00000000	%		0.352721	%		10.585023	%
												0.795603	%

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		3			1,032,843.32		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00		30 Days		3			1,032,843.32
60 Days		1			589,546.78		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days		1			589,546.78
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		1			232,000.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days		1			232,000.00
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			1,854,390.10			0		0.00			0		0.00			0		0.00				5			1,854,390.10

	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		0.852273	%		0.843864	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days		0.852273	%		0.843864	%
60 Days		0.284091	%		0.481677	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days		0.284091	%		0.481677	%
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		0.284091	%		0.189551	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days		0.284091	%		0.189551	%
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	%

		1.420455	%		1.515092	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000	%			1.420455	%		1.515092	%


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		2			620,736.32		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00		30 Days		2			620,736.32
60 Days		2			695,368.58		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days		2			695,368.58
90 Days		1			1,113,111.24		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days		1			1,113,111.24
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			174,844.15		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days		1			174,844.15
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

		6			2,604,060.29			0		0.00			0		0.00			0		0.00				6			2,604,060.29

	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		0.900901	%		0.857634	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days		0.900901	%		0.857634	%
60 Days		0.900901	%		0.960748	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days		0.900901	%		0.960748	%
90 Days		0.450450	%		1.537918	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days		0.450450	%		1.537918	%
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		0.450450	%		0.241571	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days		0.450450	%		0.241571	%
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	%

		2.702703	%		3.597871	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000	%			2.702703	%		3.597871	%