EXHIBIT 10.1

EX-10.1 2 f20437bexv10w1.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: March 31, 2006
Distribution Date: April 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		4.99625	%		101,464,416.56		417,979.82		6,628,489.20		0.00		94,835,927.36		7,046,469.02		0.00
A-2		81744FGZ4	SEN		5.19000	%		59,110,078.16		255,651.09		3,361,369.96		0.00		55,748,708.20		3,617,021.05		0.00
A-R		81744FHJ9	REZ		4.00991	%		0.00		0.01		0.00		0.00		0.00		0.01		0.00
X-A		81744FHD2	IO		0.77084	%		0.00		102,398.10		0.00		0.00		0.00		102,398.10		0.00
B-1		81744FHA8	SUB		5.16625	%		6,016,000.00		25,731.33		0.00		0.00		6,016,000.00		25,731.33		0.00
B-2		81744FHB6	SUB		5.44625	%		3,266,000.00		14,726.27		0.00		0.00		3,266,000.00		14,726.27		0.00
X-B		81744FHE0	IO		0.57384	%		0.00		4,409.76		0.00		0.00		0.00		4,409.76		0.00
B-3		81744FHC4	SUB		5.83862	%		1,890,000.00		9,135.89		0.00		0.00		1,890,000.00		9,135.89		0.00
B-4		81744FHF7	SUB		5.83862	%		1,231,000.00		5,950.41		0.00		0.00		1,231,000.00		5,950.41		0.00
B-5		81744FHG5	SUB		5.83862	%		687,000.00		3,320.82		0.00		0.00		687,000.00		3,320.82		0.00
B-6		81744FHH3	SUB		5.83862	%		1,549,605.55		7,490.49		0.00		0.00		1,549,605.55		7,490.49		0.00

Totals								175,214,100.27		846,793.99		9,989,859.16		0.00		165,224,241.11		10,836,653.15		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		101,464,416.56		716.91		6,627,772.29		0.00		0.00		6,628,489.20		94,835,927.36		0.46841347		6,628,489.20
A-2		126,737,000.00		59,110,078.16		0.00		3,361,369.96		0.00		0.00		3,361,369.96		55,748,708.20		0.43987713		3,361,369.96
A-R		100.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
X-A		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
B-1		6,016,000.00		6,016,000.00		0.00		0.00		0.00		0.00		0.00		6,106,000.00		1.00000000		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		1.00000000		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-3		1,890,000.00		1,890,000.00		0.00		0.00		0.00		0.00		0.00		1,890,000.00		1.00000000		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		1.00000000		0.00
B-5		687,000.00		687,000.00		0.00		0.00		0.00		0.00		0.00		687,000.00		1.00000000		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		1.00000000		0.00

Totals		343,838,705.55		175,214,100.27		716.91		9,989,142.25		0.00		0.00		9,989,859.16		165,224,241.11		0.48052834		9,989,859.16

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		501.15289072		0.00354096		32.73588273		0.00000000		0.00000000		32.73942369		468.41346702		0.46841347		32.73942369
A-2		126,737,000.00		466.39953731		0.00000000		26.52240435		0.00000000		0.00000000		26.52240435		439.87713296		0.43987713		26.52240435
A-R		100.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
X-A		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
B-1		6,016,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-2		3,266,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		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-3		1,890,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-4		1,231,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-5		687,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
B-6		1,549,605.55		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000

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	03/20/06 – 04/19/06	30		4.99625	%		101,464,416.56		422,451.33		0.00		0.00		4,471.51		417,979.82		0.00		94,835,927.36
A-2	03/20/06 – 04/19/06	30		5.19000	%		59,110,078.16		255,651.09		0.00		0.00		0.00		255,651.09		0.00		55,748,708.20
A-R	N/A	N/A		4.00991	%		0.00		0.00		0.00		0.00		0.00		0.01		0.00		0.00
X-A	03/01/06 – 03/31/06	30		0.77084	%		160,574,494.72		103,147.66		0.00		0.00		749.56		102,398.10		0.00		150,584,635.56
B-1	03/01/06 – 03/31/06	30		5.16625	%		6,016,000.00		25,900.13		0.00		0.00		168.80		25,731.33		0.00		6,016,000.00
B-2	03/01/06 – 03/31/06	30		5.44625	%		3,266,000.00		14,822.88		0.00		0.00		96.61		14,726.27		0.00		3,266,000.00
X-B	03/01/06 – 03/31/06	30		0.57384	%		9,282,000.00		4,438.68		0.00		0.00		28.93		4,409.76		0.00		9,282,000.00
B-3	03/01/06 – 03/31/06	30		5.83862	%		1,890,000.00		9,195.82		0.00		0.00		59.93		9,135.89		0.00		1,890,000.00
B-4	03/01/06 – 03/31/06	30		5.83862	%		1,231,000.00		5,989.45		0.00		0.00		39.04		5,950.41		0.00		1,231,000.00
B-5	03/01/06 – 03/31/06	30		5.83862	%		687,000.00		3,342.61		0.00		0.00		21.78		3,320.82		0.00		687,000.00
B-6	03/01/06 – 03/31/06	30		5.83862	%		1,549,605.55		7,539.63		0.00		0.00		49.14		7,490.49		0.00		1,549,605.55

Totals									852,479.29		0.00		0.00		5,685.30		846,793.99		0.00

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

Interest Distribution Factors Statement



										Payment
						Beginning				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		202,462,000.00		4.99625	%		501.15289072		2.08657096		0.00000000		0.00000000		0.02208568		2.06448529		0.00000000		468.41346702
A-2		126,737,000.00		5.19000	%		466.39953731		2.01717801		0.00000000		0.00000000		0.00000000		2.01717801		0.00000000		439.87713296
A-R		100.00		4.00991	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.10000000		0.00000000		0.00000000
X-A		0.00		0.77084	%		487.77333686		0.31332920		0.00000000		0.00000000		0.00227692		0.31105228		0.00000000		457.42737845
B-1		6,016,000.00		5.16625	%		1000.00000000		4.30520778		0.00000000		0.00000000		0.02805851		4.27714927		0.00000000		1000.00000000
B-2		3,266,000.00		5.44625	%		1000.00000000		4.53854256		0.00000000		0.00000000		0.02958053		4.50896203		0.00000000		1000.00000000
X-B		0.00		0.57384	%		1000.00000000		0.47820297		0.00000000		0.00000000		0.00311679		0.47508727		0.00000000		1000.00000000
B-3		1,890,000.00		5.83862	%		1000.00000000		4.86551323		0.00000000		0.00000000		0.03170899		4.83380423		0.00000000		1000.00000000
B-4		1,231,000.00		5.83862	%		1000.00000000		4.86551584		0.00000000		0.00000000		0.03171405		4.83380179		0.00000000		1000.00000000
B-5		687,000.00		5.83862	%		1000.00000000		4.86551674		0.00000000		0.00000000		0.03170306		4.83379913		0.00000000		1000.00000000
B-6		1,549,605.55		5.83862	%		1000.00000000		4.86551561		0.00000000		0.00000000		0.03171130		4.83380432		0.00000000		1000.00000000

(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			10,896,360.80
Reserve Funds and Credit Enhancements			0.00
Proceeds from Repurchased Loans			0.00
Servicer Advances			25,207.43
Realized Losses (Gains, Subsequent Expenses & Recoveries)			0.00
Prepayment Penalties			0.00
Swap/Cap Payments			0.00

Total Deposits			10,921,568.23

Withdrawals
Reserve Funds and Credit Enhancements			0.00
Reimbursement for Servicer Advances			26,964.51
Total Administration Fees			57,950.57
Payment of Interest and Principal			10,836,653.15

Total Withdrawals (Pool Distribution Amount)			10,921,568.23

Ending Balance			0.00

Prepayment/Curtailment Interest Shortfall


Total Prepayment/Curtailment Interest Shortfall			5,685.30
Servicing Fee Support			0.00

			5,685.30

Non-Supported Prepayment Curtailment Interest Shortfall

Administration Fees


Gross Servicing Fee*			55,395.37
Master Servicing Fee			2,555.20
Supported Prepayment/Curtailment Interest Shortfall			0.00


Total Administration Fees			57,950.57

*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


	Beginning		Current		Current		Ending
Account Type	Balance		Withdrawals		Deposits		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		6.235319	%
Weighted Average Net Coupon		5.855929	%
Weighted Average Pass-Through Rate		5.838429	%
Weighted Average Remaining Term		326

Beginning Scheduled Collateral Loan Count		523
Number of Loans Paid in Full		31
Ending Scheduled Collateral Loan Count		492

Beginning Scheduled Collateral Balance		175,214,100.27
Ending Scheduled Collateral Balance		165,224,241.11
Ending Actual Collateral Balance at 31-Mar-2006		165,224,241.11

Monthly P&I Constant		911,146.74
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		10,771,109.23

Scheduled Principal		716.91
Unscheduled Principal		9,989,142.25


Group	One		Two		Total
Collateral Description	Mixed ARM		Mixed ARM		Mixed ARM
Weighted Average Coupon Rate		6.228486		6.246981		6.235319
Weighted Average Net Rate		5.851269		5.863882		5.855929
Pass-Through Rate		5.833769		5.846382		5.838429
Weighted Average Maturity		322		332		326
Record Date		03/31/2006		03/31/2006		03/31/2006
Principal and Interest Constant		574,144.88		337,001.86		911,146.74
Beginning Loan Count		321		202		523
Loans Paid in Full		21		10		31
Ending Loan Count		300		192		492
Beginning Scheduled Balance		110,478,469.51		64,735,630.76		175,214,100.27
Ending Scheduled Balance		103,849,980.31		61,374,260.80		165,224,241.11
Scheduled Principal		716.91		0.00		716.91
Unscheduled Principal		6,627,772.29		3,361,369.96		9,989,142.25
Scheduled Interest		573,427.97		337,001.86		910,429.83
Servicing Fee		34,728.61		20,666.76		55,395.37
Master Servicing Fee		1,611.14		944.06		2,555.20
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		537,088.22		315,391.04		852,479.26
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	91.644733	%
Pro Rata Subordinate Percent	8.355267	%

Additional Reporting – Group Level

Miscellaneous Reporting


Group One
One Month Libor Loan Balance	69,638,072.18
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	34,211,908.13
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		9			2,962,112.55		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		9			2,962,112.55
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			589,546.78		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			589,546.78
180+ Days		3			1,519,955.39		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		3			1,519,955.39

		13			5,071,614.72				0			0.00				0			0.00				0			0.00				13			5,071,614.72

	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		1.829268	%		1.792783	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		1.829268	%		1.792783	%
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		0.203252	%		0.356816	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.203252	%		0.356816	%
180+ Days		0.609756	%		0.919935	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.609756	%		0.919935	%

		2.642276	%		3.069534	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			2.642276	%		3.069534	%



Current Period Class A Insufficient Funds:	0.00	Principal Balance of Contaminated Properties	0.00	Periodic Advance	25,207.43


	Original $		Original%			Current $		Current %			Current Class %			Prepayment %
Class A		14,639,605.55		4.25769563	%		14,639,605.55		8.86044654	%		91.139553	%		0.000000	%
Class B-1		8,623,605.55		2.50803805	%		8,623,605.55		5.21933434	%		3.641112	%		41.094003	%
Class B-2		5,357,605.55		1.55817407	%		5,357,605.55		3.24262682	%		1.976708	%		22.309344	%
Class B-3		3,467,605.55		1.00849773	%		3,467,605.55		2.09872687	%		1.143900	%		12.910184	%
Class B-4		2,236,605.55		0.65048103	%		2,236,605.55		1.35367882	%		0.745048	%		8.408697	%
Class B-5		1,549,605.55		0.45067804	%		1,549,605.55		0.93788026	%		0.415799	%		4.692749	%
Class B-6		0.00		0.00000000	%		0.00		0.00000000	%		0.937880	%		10.585023	%

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			469,031.84		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		3			469,031.84
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			589,546.78		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			589,546.78
180+ Days		1			232,000.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		1			232,000.00

		5			1,290,578.62				0			0.00				0			0.00				0			0.00				5			1,290,578.62

	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		1.000000	%		0.451644	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		1.000000	%		0.451644	%
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		0.333333	%		0.567691	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.333333	%		0.567691	%
180+ Days		0.333333	%		0.223399	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.333333	%		0.223399	%

		1.666667	%		1.242734	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			1.666667	%		1.242734	%



	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		6			2,493,080.71		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		6			2,493,080.71
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		2			1,287,955.39		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		2			1287,955.39

		8			3,781,036.10				0			0.00				0			0.00				0			0.00				8			3,781,036.10

	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		3.125000	%		4.062095	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		3.125000	%		4.062095	%
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		1.041667	%		2.098527	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		1.041667	%		2.098527	%

		4.166667	%		6.160622	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			4.166667	%		6.160622	%