Certificateholder Distribution Statement for SMT Series 2005-4 Administered by Wells Fargo Bank Minnesota, N.A.

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Summary

This document is a distribution statement prepared by Wells Fargo Bank Minnesota, N.A. for certificateholders of the SMT Series 2005-4 trust. It details the interest and principal payments made to holders of various classes of certificates as of October 31, 2005, with distributions occurring on November 21, 2005. The statement summarizes the amounts distributed, remaining balances, and other key financial data for each certificate class, as required by the Pooling and Servicing Agreement. No realized losses are reported for this period.

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EX-10.1 2 f15324eexv10w1.txt EXHIBIT 10.1 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 2005-4 RECORD DATE: OCTOBER 31, 2005 DISTRIBUTION DATE: NOVEMBER 21, 2005 CERTIFICATEHOLDER DISTRIBUTION SUMMARY
Certificate Certificate Class Pass-Through Beginning Interest Principal Class CUSIP Description Rate Certificate Balance Distribution Distribution - ------ --------- ----------- ------------ -------------------- ------------ ------------- 1-A1 81744FHV2 SEN 4.22000% 132,068,872.05 463,986.49 8,580,527.53 1-A2 81744FHW0 SEN 4.37000% 14,674,539.02 53,387.35 953,406.23 1-AR 81744FJF5 SEN 4.96308% 0.00 0.00 0.00 1-XA 81744FJD0 SEN 0.31713% 0.00 55,988.39 0.00 2-A1 81744FJG3 SEN 4.06349% 154,948,401.63 524,692.14 3,808,709.86 2-A2 81744FJH1 SEN 4.06349% 9,937,850.96 33,651.93 244,277.39 2-AR 81744FJJ7 SEN 4.10046% 0.00 0.00 0.00 1-B1 81744FHX8 SUB 4.45000% 2,093,000.00 7,753.93 0.00 1-B2 81744FHY6 SUB 4.63000% 1,395,000.00 5,377.09 0.00 1-B3 81744FHZ3 SUB 0.02057% 1,706,000.00 6,665.76 0.00 1-XB 81744FJE8 SEN 4.69330% 0.00 497.45 0.00 1-B4 81744FJA6 SUB 4.69330% 697,000.00 2,723.35 0.00 1-B5 81744FJB4 SUB 4.69330% 543,000.00 2,121.63 0.00 1-B6 81744FJC2 SUB 4.06349% 310,325.03 1,212.52 0.00 2-B1 81744FJK4 SUB 4.06349% 1,740,000.00 5,892.05 0.00 2-B2 81744FJL2 SUB 4.06349% 696,000.00 2,356.82 0.00 2-B3 81744FJM0 SUB 4.06349% 348,000.00 1,178.41 0.00 2-B4 81744FJN8 SUB 4.06349% 348,000.00 1,178.41 0.00 2-B5 81744FJP3 SUB 4.06349% 348,000.00 1,178.41 0.00 2-B6 81744FJQ1 SUB 4.06349% 174,416.03 590.58 0.00 -------------- ------------ ------------- Totals 322,028,404.72 1,170,432.71 13,586,921.01 -------------- ------------ ------------- Current Ending Total Cumulative Class Realized Loss Certificate Balance Distribution Realized Loss - ------ ------------- ------------------- ------------ ------------- 1-A1 0.00 123,488,344.52 9,044,514.02 0.00 1-A2 0.00 13,721,132.79 1,006,793.58 0.00 1-AR 0.00 0.00 0.00 0.00 1-XA 0.00 0.00 55,988.39 0.00 2-A1 0.00 151,139,691.77 4,333,402.00 0.00 2-A2 0.00 9,693,573.57 277,929.32 0.00 2-AR 0.00 0.00 0.00 0.00 1-B1 0.00 2,093,000.00 7,753.93 0.00 1-B2 0.00 1,395,000.00 5,377.09 0.00 1-B3 0.00 1,706,000.00 6,665.76 0.00 1-XB 0.00 0.00 497.45 0.00 1-B4 0.00 697,000.00 2,723.35 0.00 1-B5 0.00 543,000.00 2,121.63 0.00 1-B6 0.00 310,325.03 1,212.52 0.00 2-B1 0.00 1,740,000.00 5,892.05 0.00 2-B2 0.00 696,000.00 2,356.82 0.00 2-B3 0.00 348,000.00 1,178.41 0.00 2-B4 0.00 348,000.00 1,178.41 0.00 2-B5 0.00 348,000.00 1,178.41 0.00 2-B6 0.00 174,416.03 590.58 0.00 ---- -------------- ------------- ---- Totals 0.00 308,441,483.71 14,747,353.72 0.00 ---- -------------- ------------- ----
All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee. PRINCIPAL DISTRIBUTION STATEMENT
Beginning Scheduled Unscheduled Original Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) - ------ -------------- -------------- ------------- ------------- --------- -------- 1-A1 133,459,000.00 132,068,872.05 86,994.27 8,493,533.26 0.00 0.00 1-A2 14,829,000.00 14,674,539.02 9,666.17 943,740.06 0.00 0.00 1-AR 50.00 0.00 0.00 0.00 0.00 0.00 1-XA 0.00 0.00 0.00 0.00 0.00 0.00 2-A1 160,096,000.00 154,948,401.63 96,979.10 3,711,730.76 0.00 0.00 2-A2 10,268,000.00 9,937,850.96 6,219.90 238,057.49 0.00 0.00 2-AR 50.00 0.00 0.00 0.00 0.00 0.00 1-B1 2,093,000.00 2,093,000.00 0.00 0.00 0.00 0.00 1-B2 1,395,000.00 1,395,000.00 0.00 0.00 0.00 0.00 1-B3 1,706,000.00 1,706,000.00 0.00 0.00 0.00 0.00 1-XB 0.00 0.00 0.00 0.00 0.00 0.00 1-B4 697,000.00 697,000.00 0.00 0.00 0.00 0.00 1-B5 543,000.00 543,000.00 0.00 0.00 0.00 0.00 1-B6 310,325.03 310,325.03 0.00 0.00 0.00 0.00 2-B1 1,740,000.00 1,740,000.00 0.00 0.00 0.00 0.00 2-B2 696,000.00 696,000.00 0.00 0.00 0.00 0.00 2-B3 348,000.00 348,000.00 0.00 0.00 0.00 0.00 2-B4 348,000.00 348,000.00 0.00 0.00 0.00 0.00 2-B5 348,000.00 348,000.00 0.00 0.00 0.00 0.00 2-B6 174,416.03 174,416.03 0.00 0.00 0.00 0.00 -------------- -------------- ---------- ------------- ---- ---- Totals 329,050,841.06 322,028,404.72 199,859.44 13,387,061.57 0.00 0.00 -------------- -------------- ---------- ------------- ---- ---- Total Principal Ending Certificate Ending Certificate Total Principal Class Reduction Balance Percentage Distribution - ------ --------------- ------------------- ------------------ --------------- 1-A1 8,580,527.53 123,488,344.52 0.92529050 8,580,527.53 1-A2 953,406.23 13,721,132.79 0.92529050 953,406.23 1-AR 0.00 0.00 0.00000000 0.00 1-XA 0.00 0.00 0.00000000 0.00 2-A1 3,808,709.86 151,139,691.77 0.94405664 3,808,709.86 2-A2 244,277.39 9,693,573.57 0.94405664 244,277.39 2-AR 0.00 0.00 0.00000000 0.00 1-B1 0.00 2,093,000.00 0.00000000 0.00 1-B2 0.00 1,395,000.00 1.00000000 0.00 1-B3 0.00 1,706,000.00 1.00000000 0.00 1-XB 0.00 0.00 1.00000000 0.00 1-B4 0.00 697,000.00 0.00000000 0.00 1-B5 0.00 543,000.00 1.00000000 0.00 1-B6 0.00 310,325.03 1.00000000 0.00 2-B1 0.00 1,740,000.00 1.00000000 0.00 2-B2 0.00 696,000.00 1.00000000 0.00 2-B3 0.00 348,000.00 1.00000000 0.00 2-B4 0.00 348,000.00 1.00000000 0.00 2-B5 0.00 348,000.00 1.00000000 0.00 2-B6 0.00 174,416.03 1.00000000 0.00 ------------- -------------- ---------- ------------- Totals 13,586,921.01 308,441,483.71 0.93736726 13,586,921.01 ------------- -------------- ---------- -------------
(1) Amount does not include excess special hazard, bankruptcy, or fraud losses unless otherwise disclosed. Please refer to the prospectus supplement for a full description. PRINCIPAL DISTRIBUTION FACTORS STATEMENT
Beginning Scheduled Unscheduled Original Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (3) - ----- -------------- ------------- ------------ ------------ ---------- ---------- 1-A1 133,459,000.00 989.58385759 0.65184266 63.64151732 0.00000000 0.00000000 1-A2 14,829,000.00 989.58385731 0.65184234 63.54151730 0.00000000 0.00000000 1-AR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-XA 0.00 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-A1 160,096,000.00 967.84680211 0.60575592 23.18440661 0.00000000 0.00000000 2-A2 10,268,000.00 967.84680171 0.60575575 23.18440690 0.00000000 0.00000000 2-AR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B1 2,093,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B2 1,395,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B3 1,706,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-XB 0.00 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B4 697,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B5 543,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B6 310,325.03 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B1 1,740,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B2 696,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B3 348,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B4 348,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B5 348,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-B6 174,416.03 1000.00000000 0.00000000 0.00000000 0.00000000 0.00000000 Ending Total Principal Ending Certificate Certificate Total Principal Class Reduction Balance Percentage Distribution - ----- --------------- ------------------ ----------- --------------- 1-A1 64.29335998 925.29049761 0.92529050 64.29335998 1-A2 64.29335963 925.29049767 0.92529050 64.29335963 1-AR 0.00000000 0.00000000 0.00000000 0.00000000 1-XA 0.00000000 0.00000000 0.00000000 0.00000000 2-A1 23.79016253 944.05663958 0.94405664 23.79016253 2-A2 23.79016264 944.05663907 0.94405664 23.79016264 2-AR 0.00000000 0.00000000 0.00000000 0.00000000 1-B1 0.00000000 1000.00000000 1.00000000 0.00000000 1-B2 0.00000000 1000.00000000 1.00000000 0.00000000 1-B3 0.00000000 1000.00000000 1.00000000 0.00000000 1-XB 0.00000000 0.00000000 0.00000000 0.00000000 1-B4 0.00000000 1000.00000000 1.00000000 0.00000000 1-B5 0.00000000 1000.00000000 1.00000000 0.00000000 1-B6 0.00000000 1000.00000000 1.00000000 0.00000000 2-B1 0.00000000 1000.00000000 1.00000000 0.00000000 2-B2 0.00000000 1000.00000000 1.00000000 0.00000000 2-B3 0.00000000 1000.00000000 1.00000000 0.00000000 2-B4 0.00000000 1000.00000000 1.00000000 0.00000000 2-B5 0.00000000 1000.00000000 1.00000000 0.00000000 2-B6 0.00000000 1000.00000000 1.00000000 0.00000000
(3) Amount does not include excess special hazard, bankruptcy, or fraud losses unless otherwise disclosed. Please refer to the prospectus supplement for a full description. INTEREST DISTRIBUTION- STATEMENT
Beginning Payment of Certificate/ Current Unpaid Current Original Face Current Notional Accrued Interest Interest Class Amount Certificate Rate Balance Interest Shortfall Shortfall - ------ --------------- ---------------- -------------- ------------ ---------- --------- 1-A1 133,459,000.00 4.22000% 132,068,872.05 464,442.20 0.00 0.00 1-A2 14,829,000.00 4.37000% 14,674,539.02 53,439.78 0.00 0.00 1-AR 50.00 4.96308% 0.00 0.00 0.00 0.00 1-XA 0.00 0.31713% 146,743,411.07 56,043.38 0.00 0.00 2-A1 160,096,000.00 4.06349% 154,948,401.63 524,692.14 0.00 0.00 2-A2 10,268,000.00 4.06349% 9,937,850.96 33,651.93 0.00 0.00 2-AR 50.00 4.10046% 0.00 0.00 0.00 0.00 1-B1 2,093,000.00 4.45000% 2,093,000.00 7,761.54 0.00 0.00 1-B2 1,395,000.00 4.63000% 1,395,000.00 5,382.38 0.00 0.00 1-B3 1,706,000.00 4.69330% 1,706,000.00 6,672.30 0.00 0.00 1-XB 0.00 0.02057% 3,488,000.00 497.93 0.00 0.00 1-B4 697,000.00 4.69330% 697,000.00 2,726.02 0.00 0.00 1-B5 543,000.00 4.69330% 543,000.00 2,123.72 0.00 0.00 1-B6 310,325.03 4.69330% 310,325.03 1,213.71 0.00 0.00 2-B1 1,740,000.00 4.06349% 1,740,000.00 5,892.05 0.00 0.00 2-B2 696,000.00 4.06349% 696,000.00 2,356.82 0.00 0.00 2-B3 348,000.00 4.06349% 348,000.00 1,178.41 0.00 0.00 2-B4 348,000.00 4.06349% 348,000.00 1,178.41 0.00 0.00 2-B5 348,000.00 4.06349% 348,000.00 1,178.41 0.00 0.00 2-B6 174,416.03 4.06349% 174,416.03 590.61 0.00 0.03 ------------ ---- ---- Totals 1,171,021.74 0.00 0.03 ------------ ---- ---- Non- Remaining Ending Supported Unpaid Certificate/ Interest Realized Total Interest Interest Notational Class Shortfall Loss (4) Distribution Shortfall Balance - ------ --------- -------- --------------- --------- -------------- 1-A1 455.71 0.00 463,986.49 0.00 123,488,344.52 1-A2 52.43 0.00 53,387.35 0.00 13,721,132.79 1-AR 0.00 0.00 0.00 0.00 0.00 1-XA 54.99 0.00 55,988.39 0.00 137,209,477.31 2-A1 0.00 0.00 524,692.14 0.00 151,139,691.77 2-A2 0.00 0.00 33,651.93 0.00 9,693,573.57 2-AR 0.00 0.00 0.00 0.00 0.00 1-B1 7.62 0.00 7,753.93 0.00 2,093,000.00 1-B2 5.28 0.00 5,377.09 0.00 1,395,000.00 1-B3 6.55 0.00 6,665.76 0.00 1,706,000.00 1-XB 0.49 0.00 497.45 0.00 3,488,000.00 1-B4 2.67 0.00 2,723.35 0.00 697,000.00 1-B5 2.08 0.00 2,121.63 0.00 543,000.00 1-B6 1.19 0.00 1,212.52 0.00 310,325.03 2-B1 0.00 0.00 5,892.05 0.00 1,740,000.00 2-B2 0.00 0.00 2,356.82 0.00 696,000.00 2-B3 0.00 0.00 1,178.41 0.00 348,000.00 2-B4 0.00 0.00 1,178.41 0.00 348,000.00 2-B5 0.00 0.00 1,178.41 0.00 348,000.00 2-B6 0.00 0.00 590.58 0.00 174,416.03 ------ ---- ------------ ---- Totals 589.01 0.00 1,170,432.71 0.00 ------ ---- ------------ ----
(4) Amount does not include excess special hazard, bankruptcy, or fraud losses unless otherwise disclosed. Please refer to the prospectus supplement for a full description. INTEREST DISTRIBUTION FACTORS STATEMENT
Current Beginning Class Original Face Certificate Certificate/ (5) Amount Rate Notional Balance - ----- -------------- ----------- ---------------- 1-A1 133,459,000.00 4.22000% 989.58385759 1-A2 14,829,000.00 4.37000% 989.58385731 1-AR 50.00 4.96308% 0.00000000 1-XA 0.00 0.31713% 989.58385756 2-A1 160,096,000.00 4.06349% 967.84680211 2-A2 10,268,000.00 4.06349% 967.84680171 2-AR 50.00 4.10046% 0.00000000 1-B1 2,093,000.00 4.45000% 1000.00000000 1-B2 1,395,000.00 4.63000% 1000.00000000 1-B3 1,706,000.00 4.69330% 1000.00000000 1-XB 0.00 0.02057% 1000.00000000 1-B4 697,000.00 4.69330% 1000.00000000 1-B5 543,000.00 4.69330% 1000.00000000 1-B6 310,325.03 4.69330% 1000.00000000 2-B1 1,740,000.00 4.06349% 1000.00000000 2-B2 696,000.00 4.06349% 1000.00000000 2-B3 348,000.00 4.06349% 1000.00000000 2-B4 348,000.00 4.06349% 1000.00000000 2-B5 348,000.00 4.06349% 1000.00000000 2-B6 174,416.03 4.06349% 1000.00000000 Payment of Non- Unpaid Current Supported Class Current Accrued Interest Interest Interest Realized (5) Interest Shortfall Shortfall Shortfall Loss (6) - ----- --------------- ---------- ---------- ---------- ---------- 1-A1 3.48003657 0.00000000 0.00000000 0.00341461 0.00000000 1-A2 3.60373457 0.00000000 0.00000000 0.00353564 0.00000000 1-AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-XA 0.37793604 0.00000000 0.00000000 0.00037083 0.00000000 2-A1 3.27735946 0.00000000 0.00000000 0.00000000 0.00000000 2-A2 3.27735976 0.00000000 0.00000000 0.00000000 0.00000000 2-AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-B1 3.70833254 0.00000000 0.00000000 0.00364071 0.00000000 1-B2 3.85833692 0.00000000 0.00000000 0.00378495 0.00000000 1-B3 3.91107855 0.00000000 0.00000000 0.00383939 0.00000000 1-XB 0.14275516 0.00000000 0.00000000 0.00014048 0.00000000 1-B4 3.91107604 0.00000000 0.00000000 0.00383070 0.00000000 1-B5 3.91108656 0.00000000 0.00000000 0.00383057 0.00000000 1-B6 3.91109283 0.00000000 0.00000000 0.00383469 0.00000000 2-B1 3.38623563 0.00000000 0.00000000 0.00000000 0.00000000 2-B2 3.38623563 0.00000000 0.00000000 0.00000000 0.00000000 2-B3 3.38623563 0.00000000 0.00000000 0.00000000 0.00000000 2-B4 3.38623563 0.00000000 0.00000000 0.00000000 0.00000000 2-B5 3.38623563 0.00000000 0.00000000 0.00000000 0.00000000 2-B6 3.38621399 0.00000000 0.00017200 0.00000000 0.00000000 Remaining Unpaid Class Total Interest Interest Ending Certificate/ (5) Distribution Shortfall Notational Balance - ----- -------------- ---------- ------------------ 1-A1 3.47662196 0.00000000 925.29049761 1-A2 3.60019893 0.00000000 925.29049767 1-AR 0.00000000 0.00000000 0.00000000 1-XA 0.37756521 0.00000000 925.29049761 2-A1 3.27735946 0.00000000 944.05663958 2-A2 3.27735976 0.00000000 944.05663907 2-AR 0.00000000 0.00000000 0.00000000 1-B1 3.70469661 0.00000000 1000.00000000 1-B2 3.85454480 0.00000000 1000.00000000 1-B3 3.90724502 0.00000000 1000.00000000 1-XB 0.14261755 0.00000000 1000.00000000 1-B4 3.90724534 0.00000000 1000.00000000 1-B5 3.90723757 0.00000000 1000.00000000 1-B6 3.90725814 0.00000000 1000.00000000 2-B1 3.38623563 0.00000000 1000.00000000 2-B2 3.38623563 0.00000000 1000.00000000 2-B3 3.38623653 0.00000000 1000.00000000 2-B4 3.38623563 0.00000000 1000.00000000 2-B5 3.38623563 0.00000000 1000.00000000 2-B6 3.38604198 0 ###-###-####.00000000
(5) Per $1 denomination (6) Amount does not include excess special hazard, bankruptcy, or fraud losses unless otherwise disclosed. Please refer to the prospectus supplement for a full description. CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 14,843,383.48 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Losses (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 ------------- Total Deposits 14,843,383.48 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 86,029.76 Payment of Interest and Principal 14,757,353.72 ------------- Total Withdrawals (Pool Distribution Amount) 14,843,383.48 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 589.01 ======
SERVICING FEES Gross Servicing Fee 81,333.52 Master Servicing Fee 4,696.24 Supported Prepayment/Curtailment Interest Shortfall 0.00 --------- Net Servicing Fee 86,029.76 =========
OTHER ACCOUNTS
Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance - -------------------------- --------- ----------- -------- -------- Reserve Fund 5,000.00 0.00 0.00 5,000.00 Reserve Fund 5,000.00 105.83 59.74 4,953.91
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENT
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 4 1,954,067.08 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ------------ 4 1,954,067.08
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.776699% 0.633194% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.776699% 0.633194%
BANKRUPTCY
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
FORECLOSURE
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- --------- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- --------- 0.000000% 0.000000%
REO
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
TOTAL
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 4 1,954,067.08 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ------------- 4 1,954,067.08
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.776699% 0.633194% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.776699% 0.633194%
Current Period Class A Insufficient Funds: 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00
DELINQUENCY STATUS BY GROUP DELINQUENT GROUP ONE
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 4 1,954,067.08 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ------------ 4 1,954,067.08
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 1.550388% 1.356729% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 1.550388% 1.356729%
BANKRUPTCY
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- -------- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
FORECLOSURE
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
REO
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
TOTAL
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 4 1,954,067.08 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ------------ 4 1,954,067.08
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 1.550388% 1.356729% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 1.550388% 1.356729%
DELINQUENT GROUP TWO
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% -------- --------
BANKRUPTCY 1.183654%
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
FORECLOSURE
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
REO
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
TOTAL
No. of Principal Loans Balance 0-29 Days 0 0.00 30 Days 0 0.00 60 Days 0 0.00 90 Days 0 0.00 120 Days 0 0.00 150 Days 0 0.00 180+ Days 0 0.00 --- ---- 0 0.00
No. of Principal Loans Balance 0-29 Days 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% -------- -------- 0.000000% 0.000000%
COLLATERAL STATEMENT
Collateral Description Fixed & Mixed Arm Weighted Average Gross Coupon 4.703348% Weighted Average Net Coupon 4.400269% Weighted Average Pass-Through Rate 4.381553% Weighted Average Maturity (Stepdown Calculation) 312 Beginning Scheduled Collateral Loan Count 527 Number of Loans Paid in Full 12 Ending Scheduled Collateral Loan Count 515 Beginning Scheduled Collateral Balance 322,028,405.03 Ending Scheduled Collateral Balance 308,441,484.02 Ending Actual Collateral Balance at 31-Oct-2005 308,604,990.65 Monthly P&I Constant 1,462,035.85 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realization Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 199,859.44 Unscheduled Principal 13,387,061.57
GROUP GROUP ONE GROUP TWO TOTAL Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 5.089838 4.351377 4.703348 Weighted Average Net Rate 4.728474 4.101377 4.400269 Pass-Through Rate 4.710974 4.081554 4.381553 Weighted Average Maturity 285 337 312 Record Date 10/31/2005 10/31/2005 10/31/2005 Principal and Interest Constant 747,683.59 714,352.26 1,462,035.85 Beginning Loan Count 265 262 527 Loans Paid in Full 7 5 12 Ending Loan Count 258 257 515 Beginning Scheduled Balance 153,487,736.34 168,540,668.69 322,028,405.03 Ending Scheduled Balance 143,953,802.58 164,487,681.44 308,441,484.02 Scheduled Principal 96,660.44 103,199.00 199,859.44 Unscheduled Principal 9,437,273.32 3,949,788.25 1,262,176.41 Scheduled Interest 651,023.15 611,153.26 13,387,061.57 Servicing Fee 46,220.88 35,112.64 81,333.52 Master Servicing Fee 2,238.36 2,457.88 4,696.24 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 0.00 326.16 326.16 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 602,563.91 573,256.58 1,175,820.49 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 Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00
MISCELLANEOUS REPORTING Group One Senior Percentage 100.000000% Senior Prepayment Percentage 100.000000% Subordinate Percentage 0.000000% Subordinate Prepayment Percentage 0.000000% Pro Rata Senior Percentage 95.605952% Pro Rata Subordinate Percentage 4.394048% Group Two Senior Percent 100.000000% Senior Prepayment Percent 100.000000% Subordinate Percent 0.000000% Subordinate Prepayment Percent 0.000000% Pro Rata Senior Percentage 97.831730% Pro Rata Subordinate Percentage 2.168270%