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

EX-10.1 2 f19541bexv10w1.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: 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		81744FGY7	SEN		4.79000	%		109,856,989.97		430,787.10		8,392,573.41		0.00		101,464,416.56		8,823,360.51		0.00
A-2		81744FGZ4	SEN		5.19000	%		64,994,436.99		281,100.94		5,884,358.83		0.00		59,110,078.16		6,165,459.77		0.00
A-R		81744FHJ9	REZ		4.01945	%		0.00		0.08		0.00		0.00		0.00		0.08		0.00
X-A		81744FHD2	IO		0.77841	%		0.00		111,985.62		0.00		0.00		0.00		111,985.62		0.00
B-1		81744FHA8	SUB		4.96000	%		6,016,000.00		24,596.40		0.00		0.00		6,016,000.00		24,596.40		0.00
B-2		81744FHB6	SUB		5.24000	%		3,266,000.00		14,106.83		0.00		0.00		3,266,000.00		14,106.83		0.00
X-B		81744FHE0	IO		0.65981	%		0.00		5,048.28		0.00		0.00		0.00		5,048.28		0.00
B-3		81744FHC4	SUB		5.71833	%		1,890,000.00		8,908.68		0.00		0.00		1,890,000.00		8,908.68		0.00
B-4		81744FHF7	SUB		5.71833	%		1,231,000.00		5,802.43		0.00		0.00		1,231,000.00		5,802.43		0.00
B-5		81744FHG5	SUB		5.71833	%		687,000.00		3,238.23		0.00		0.00		687,000.00		3,238.23		0.00
B-6		81744FHH3	SUB		5.71833	%		1,549,605.55		7,304.20		0.00		0.00		1,549,605.55		7,304.20		0.00

Totals								189,491,032.51		892,878.79		14,276,932.24		0.00		175,214,100.27		15,169,811.03		0.00

Principal Distribution Statement


			Beginning		Scheduled		Unscheduled
	Original		Certificate		Principal		Principal				Realized		Total Principal		Ending Certificate		Ending Certificate		Total Principal
Class	Face Amount		Balance		Distribution		Distribution		Accretion		Loss		Reduction		Balance		Percentage		Distribution

A-1		202,462,000.00		109,856,989.97		713.49		8,391,859.92		0.00		0.00		8,392,573.41		101,464,416.56		0.50115289		8,392,573.41
A-2		126,737,000.00		64,994,436.99		410.54		5,883,948.29		0.00		0.00		5,884,358.83		59,110,078.16		0.46639954		5,884,358.83
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		6,016,000.00		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		189,491,032.51		1,124.03		14,275,808.21		0.00		0.00		14,276,932.24		175,214,100.27		0.50958225		14,276,932.24

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		542.60547644		0.00352407		41.44906165		0.00000000		0.00000000		41.45258572		501.15289072		0.50115289		41.45258572
A-2		126,737,000.00		512.82922106		0.00323931		46.42644445		0.00000000		0.00000000		46.42968375		466.39953731		0.46639954		46.42968375
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		02/20/06–03/19/06		30		4.79000	%		109,856,989.97		438,512.48		0.00		0.00		7,725.39		430.787.10		0.00		101,464,416.56
A-2		02/20/06–03/19/06		30		5.19000	%		64,994,436.99		281,100.94		0.00		0.00		0.00		281,100.94		0.00		59,110,078.16
A-R		N/A		N/A		4.01945	%		0.00		0.00		0.00		0.00		0.00		0.08		0.00		0.00
X-A		02/01/06–02/28/06		30		0.77841	%		174,851,426.96		113,421.68		0.00		0.00		1,436.06		111,985.62		0.00		160,574,494.72
B-1		02/01/06–02/28/06		30		4.96000	%		6,016,000.00		24,866.13		0.00		0.00		269.74		24,596.40		0.00		6,016,000.00
B-2		02/01/06–02/28/06		30		5.24000	%		3,266,000.00		14,261.53		0.00		0.00		154.70		14,106.83		0.00		3,266,000.00
X-B		02/01/06–02/28/06		30		0.65981	%		9,282,000.00		5,103.65		0.00		0.00		53.36		5,048.28		0.00		9,282,000.00
B-3		02/01/06–02/28/06		30		5.71833	%		1,890,000.00		9,006.38		0.00		0.00		97.70		8,908.68		0.00		1,890,000.00
B-4		02/01/06–02/28/06		30		5.71833	%		1,231,000.00		5,866.06		0.00		0.00		63.63		5,802.43		0.00		1,231,000.00
B-5		02/01/06–02/28/06		30		5.71833	%		687,000.00		3,273.75		0.00		0.00		35.51		3,238.23		0.00		687,000.00
B-6		02/01/06–02/28/06		30		5.71833	%		1,549,605.55		7,384.30		0.00		0.00		80.10		7,304.20		0.00		1,549,605.55

Totals											902,796.90		0.00		0.00		9,918.19		892,878.79		0.00

(1, 2)

Amount also includes coupon cap or basis risk shortfalls, if applicable.

Interest Distribution Factors Statement


						Beginning				Payment of										Ending
			Current			Certificate/				Unpaid				Non-Supported				Remaining		Certificate/
	Original Face		Certificate			Notional		Current Accrued		Interest		Current Interest		Interest		Total Interest		Unpaid Interest		Notational
Class	Amount		Rate			Balance		Interest		Shortfall		Shortfall(1)		Shortfall		Distribution		Shortfall(2)		Balance
A-1		202,462,000.00		4.79000	%		542.60547644		2.16590017		0.00000000		0.00000000		0.03815723		2.21774298		0.00000000		501.15289072
A-2		126,737,000.00		5.19000	%		512.82922106		2.21798638		0.00000000		0.00000000		0.00000000		2.21798638		0.00000000		466.39953731
A-R		100.00		4.01945	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.80000000		0.00000000		0.00000000
X-A		0.00		0.77841	%		531.14203555		0.34453835		0.00000000		0.00000000		0.00436229		0.34017606		0.00000000		487.77333686
B-1		6,016,000.00		4.96000	%		1000.00000000		4.13333278		0.00000000		0.00000000		0.04483710		4.08849734		0.00000000		1000.00000000
B-2		3,266,000.00		5.24000	%		1000.00000000		4.36666565		0.00000000		0.00000000		0.04736681		4.31929884		0.00000000		1000.00000000
X-B		0.00		0.65981	%		1000.00000000		0.54984378		0.00000000		0.00000000		0.00596423		0.54387847		0.00000000		1000.00000000
B-3		1,890,000.00		5.71833	%		1000.00000000		4.76528042		0.00000000		0.00000000		0.05169312		4.71358730		0.00000000		1000.00000000
B-4		1,231,000.00		5.71833	%		1000.00000000		4.76528026		0.00000000		0.00000000		0.05168968		4.71359058		0.00000000		1000.00000000
B-5		687,000.00		5.71833	%		1000.00000000		4.76528384		0.00000000		0.00000000		0.05168850		4.71358079		0.00000000		1000.00000000
B-6		1,549,605.55		5.71833	%		1000.00000000		4.76527720		0.00000000		0.00000000		0.05169057		4.71358663		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			15,223,901.32
Reserve Funds and Credit Enhancements			0.00
Proceeds from Repurchased Loans			0.00
Servicer Advances			26,964.51
Realized Losses (Gains, Subsequent Expenses & Recoveries)			0.00
Prepayment Penalties			0.00
Swap/Cap Payments			0.00

Total Deposits			15,250,865.83

Withdrawals
Reserve Funds and Credit Enhancements			0.00
Reimbursement for Servicer Advances			18,401.17
Total Administration Fees			62,653.63
Payment of Interest and Principal			15,169,811.03

Total Withdrawals (Pool Distribution Amount)			15,250,865.83

Ending Balance			0.00

Prepayment/Curtailment Interest Shortfall


Total Prepayment/Curtailment Interest Shortfall			9,918.19
Servicing Fee Support			0.00


Non-Supported Prepayment Curtailment Interest Shortfall			9,918.19

Administration Fees


Gross Servicing Fee*			59,890.22
Master Servicing Fee			2,763.41
Supported Prepayment/Curtailment Interest Shortfall			0.00


Total Administration Fees			62,653.63


*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		6.113961	%
Weighted Average Net Coupon		5.734691	%
Weighted Average Pass-Through Rate		5.717191	%
Weighted Average Remaining Term		326

Beginning Scheduled Collateral Loan Count		559
Number of Loans Paid in Full		36
Ending Scheduled Collateral Loan Count		523

Beginning Scheduled Collateral Balance		189,491,032.51
Ending Scheduled Collateral Balance		175,214,100.27
Ending Actual Collateral Balance at 28-Feb-2006		175,214,813.76

Monthly P&I Constant		966,574.66
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		15,109,967.34

Scheduled Principal		1,124.03
Unscheduled Principal		14,275,808.21


Group	One		Two		Total
Collateral Description	Mixed ARM		Mixed ARM		Mixed ARM
Weighted Average Coupon Rate		6.075137		6.179311		6.113961
Weighted Average Net Rate		5.697907		5.796607		5.734691
Pass-Through Rate		5.680407		5.779107		5.717191
Weighted Average Maturity		322		333		326
Record Date		02/28/2006		02/28/2006		02/28/2006
Principal and Interest Constant		602,511.71		364,062.95		966,574.66
Beginning Loan Count		341		218		559
Loans Paid in Full		20		16		36
Ending Loan Count		321		202		523
Beginning Scheduled Balance		118,871,042.92		70,619,989.59		189,491,032.51
Ending Scheduled Balance		110,478,469.51		64,735,630.76		175,214,100.27
Scheduled Principal		713.49		410.54		1,124.03
Unscheduled Principal		8,391,859.92		5,883,948.29		14,275,808.21
Scheduled Interest		601,798.22		363,652.41		965,450.63
Servicing Fee		37,368.10		22,522.12		59,890.22
Master Servicing Fee		1,733.54		1,029.87		2,763.41
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		562,696.58		340,100.42		902,797.00
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	92.274249	%
Pro Rata Subordinate Percent	7.725751	%

Additional Reporting – Group Level


Miscellaneous Reporting

Group One
One Month Libor Loan Balance	72,453,348.41
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	38,025,121.10
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		11			3,241,703.17		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		11			3,241,703.17
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		2			935,915.36		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		2			935,915.36
150 Days		1			1,113,111.24		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			1,113,111.24
180+ Days		2			406,844.15		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		2			406,844.15

		16			5,697,573.92				0			0.00				0			0.00				0			0.00				16			5,697,573.92

	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		2.103250	%		1.850131	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		2.103250	%		1.850131	%
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		0.382409	%		0.534153	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.382409	%		0.534153	%
150 Days		0.191205	%		0.635284	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.191205	%		0.635284	%
180+ Days		0.382409	%		0.232197	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.382409	%		0.232197	%

		3.059273	%		3.251765	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			3.059273	%		3.251765	%


Current Period Class A Insufficient Funds:			0.00			Principal Balance of Contaminated Properties					0.00			Periodic Advance					26,964.51


	Original $		Original%			Current $		Current %			Current Class %			Prepayment %
Class A		14,639,605.55		4.25769563	%		14,639,605.55		8.35526680	%		91.644733	%		0.000000	%
Class B-1		8,623,605.55		2.50803805	%		8,623,605.55		4.92175318	%		3.433514	%		41.094003	%
Class B-2		5,357,605.55		1.55817407	%		5,357,605.55		3.05774794	%		1.864005	%		22.309344	%
Class B-3		3,467,605.55		1.00849773	%		3,467,605.55		1.97906763	%		1.078680	%		12.910184	%
Class B-4		2,236,605.55		0.65048103	%		2,236,605.55		1.27649861	%		0.702569	%		8.408697	%
Class B-5		1,549,605.55		0.45067804	%		1,549,605.55		0.88440688	%		0.392092	%		4.692749	%
Class B-6		0.00		0.00000000	%		0.00		0.00000000	%		0.884407	%		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		7			2,378,390.85		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		7			2,378,390.85
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		1			589,546.78		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		1			589,546.78
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		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

		9			3,199,937.63				0			0.00				0			0.00				0			0.00				9			3,199,937.63

	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		2.180685	%		2.152795	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		2.180685	%		2.152795	%
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		0.311526	%		0.533627	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.311526	%		0.533627	%
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		0.311526	%		0.209994	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.311526	%		0.209994	%

		2.803738	%		2.896417	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			2.803738	%		2.896417	%


DELINQUENT							BANKRUPTCY							FORECLOSURE							REO							TOTAL
*Group Two*
	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		4			863,312.32		30 Days		0			0.00		30 Days		0			0.00		30 Days		0			0.00		30 Days		4			863,312.32
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		1			346,368.58		120 Days		0			0.00		120 Days		0			0.00		120 Days		0			0.00		120 Days		1			346,368.58
150 Days		1			1,113,111.24		150 Days		0			0.00		150 Days		0			0.00		150 Days		0			0.00		150 Days		1			1,113,111.24
180+ Days		1			174,844.15		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		0			0.00		180+ Days		1			174,844.15

		7			2,497,636.29				0			0.00				0			0.00				0			0.00				7			2,497,636.29

	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		1.980198	%		1.333597	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		0.000000	%		0.000000	%	30 Days		1.980198	%		1.333597	%
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		0.495050	%		0.535051	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.000000	%		0.000000	%	120 Days		0.495050	%		0.535051	%
150 Days		4.495050	%		1.719472	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		0.000000	%		0.000000	%	150 Days		4.495050	%		1.719472	%
180+ Days		0.495050	%		0.270090	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.000000	%		0.000000	%	180+ Days		0.495050	%		0.270090	%

		3.465347	%		3.858210	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			0.000000	%		0.000000	%			3.465347	%		3.858210	%