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: January 31, 2006 Distribution Date: February 21, 2006

EX-10.1 2 f18627aexv10w1.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 2005-4
Record Date: January 31, 2006
Distribution Date: February 21, 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

1-A1		81744FHV2	SEN		4.71000	%		115,799,390.83		454,512.61		5,562,457.18		0.00		110,236,933.65		6,016,969.79		0.00
1-A2		81744FHW0	SEN		4.86000	%		12,866,791.80		52,110.51		618,060.06		0.00		12,248,731.74		670,170.57		0.00
1-AR		81744FJF5	SEN		5.09438	%		0.00		0.16		0.00		0.00		0.00		0.16		0.00
1-XA		81744FJD0	SEN		0.18351	%		0.00		19,676.06		0.00		0.00		0.00		19,676.06		0.00
2-A1		81744FJG3	SEN		4.08164	%		147,431,518.22		501,468.60		175,465.65		0.00		147,256,052.56		676,934.25		0.00
2-A2		81744FJH1	SEN		4.08164	%		9,455,744.23		32,162.45		11,253.76		0.00		9,444,490.48		43,416.21		0.00
2-AR		81744FJJ7	SEN		4.09917	%		0.00		0.00		0.00		0.00		0.00		0.00		0.00
1-B1		81744FHX8	SUB		4.94000	%		2,093,000.00		8,616.18		0.00		0.00		2,093,000.00		8,616.18		0.00
1-B2		81744FHY6	SUB		5.12000	%		1,395,000.00		5,952.00		0.00		0.00		1,395,000.00		5,952.00		0.00
1-B3		81744FHZ3	SUB		4.90851	%		1,706,000.00		6,978.26		0.00		0.00		1,706,000.00		6,978.26		0.00
1-XB		81744FJE8	SEN		0.00000	%		0.00		0.00		0.00		0.00		0.00		0.00		0.00
1-B4		81744FJA6	SUB		4.90851	%		697,000.00		2,851.03		0.00		0.00		697,000.00		2,851.03		0.00
1-B5		81744FJB4	SUB		4.90851	%		543,000.00		2,221.10		0.00		0.00		543,000.00		2,221.10		0.00
1-B6		81744FJC2	SUB		4.90851	%		310,325.03		1,269.36		0.00		0.00		310,325.03		1,269.36		0.00
2-B1		81744FJK4	SUB		4.08164	%		1,740,000.00		5,918.38		0.00		0.00		1,740,000.00		5,918.38		0.00
2-B2		81744FJL2	SUB		4.08164	%		696,000.00		2,367.35		0.00		0.00		696,000.00		2.367.35		0.00
2-B3		81744FJM0	SUB		4.08164	%		348,000.00		1,183.68		0.00		0.00		348,000.00		1,183.68		0.00
2-B4		81744FJN8	SUB		4.08164	%		348,000.00		1,183.68		0.00		0.00		348,000.00		1,183.68		0.00
2-B5		81744FJP3	SUB		4.08164	%		348,000.00		1,183.68		0.00		0.00		348,000.00		1,183.68		0.00
2-B6		81744FJQ1	SUB		4.08164	%		174,416.03		593.24		0.00		0.00		174,416.03		593.24		0.00

Totals								295,952,186.14		1,100,248.33		6,367,236.65		0.00		289,584,949.49		7,467,484.98		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

1-A1		133,459,000.00		115,799,390.83		68,955.12		5,493,502.06		0.00		0.00		5,562,457.18		110,236.933.65		0.82599850		5,562,457.18
1-A2		14,829,000.00		12,866,791.80		7,661.79		610,398.27		0.00		0.00		618,060.06		12,248,731.74		0.82599850		618,060.06
1-AR		50.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
1-XA		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
2-A1		160,096,000.00		147,431,518.22		94,669.74		80,795.90		0.00		0.00		175,465.65		147,256,052.56		0.91979845		175,465.65
2-A2		10,268,000.00		9,455,744.23		6,071.79		5,181.97		0.00		0.00		11,253.76		9,444,490.48		0.91979845		11,253.76
2-AR		50.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
1-B1		2,093,000.00		2,093,000.00		0.00		0.00		0.00		0.00		0.00		2,093,000.00		1.00000000		0.00
1-B2		1,395,000.00		1,395,000.00		0.00		0.00		0.00		0.00		0.00		1,395,000.00		1.00000000		0.00
1-B3		1,706,000.00		1,706,000.00		0.00		0.00		0.00		0.00		0.00		1,706,000.00		1.00000000		0.00
1-XB		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00000000		0.00
1-B4		697,000.00		697,000.00		0.00		0.00		0.00		0.00		0.00		697,000.00		1.00000000		0.00
1-B5		543,000.00		543,000.00		0.00		0.00		0.00		0.00		0.00		543,000.00		1.00000000		0.00
1-B6		310,325.03		310,325.03		0.00		0.00		0.00		0.00		0.00		310,325.03		1.00000000		0.00
2-B1		1,740,000.00		1,740,000.00		0.00		0.00		0.00		0.00		0.00		1,740,000.00		1.00000000		0.00
2-B2		696,000.00		696,000.00		0.00		0.00		0.00		0.00		0.00		696,000.00		1.00000000		0.00
2-B3		348,000.00		348,000.00		0.00		0.00		0.00		0.00		0.00		348,000.00		1.00000000		0.00
2-B4		348,000.00		348,000.00		0.00		0.00		0.00		0.00		0.00		348,000.00		1.00000000		0.00
2-B5		348,000.00		348,000.00		0.00		0.00		0.00		0.00		0.00		348,000.00		1.00000000		0.00
2-B6		174,416.03		174,416.03		0.00		0.00		0.00		0.00		0.00		174,416.03		1.00000000		0.00

Totals		329,050,841.06		295,952,186.14		177,358.45		6,189,878.20		0.00		0.00		6,367,236.65		289,584,949.49		0.88006142		6,367,236.65

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

1-A1		133,459,000.00		867.67764504		0.51667643		41.16246982		0.00000000		0.00000000		41.67914625		825.99849879		0.82599850		41.67914625
1-A2		14,829,000.00		867.67764515		0.51667611		41.16247016		0.00000000		0.00000000		41.67914627		825.99849889		0.82599850		41.67914627
1-AR		50.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-XA		0.00		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
2-A1		160,096,000.00		920.89445220		0.59133114		0.50467157		0.00000000		0.00000000		1.09600271		919.79844943		0.91979845		1.09600271
2-A2		10,268,000.00		920.89445169		0.59133132		0.50467180		0.00000000		0.00000000		1.09600312		919.79844955		0.91979845		1.09600312
2-AR		50.00		0.0000000000		0.00000000		0.00000000		0.00000000		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		0.00000000		1000.00000000		1.00000000		0.00000000
1-B2		1,395,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
1-B3		1,706,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
1-XB		0.00		0.0000000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.0000000000		0.00000000		0.00000000
1-B4		697,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
1-B5		543,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
1-B6		310,325.03		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B1		1,740,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B2		696,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B3		348,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B4		348,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B5		348,000.00		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000
2-B6		174,416.03		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000		1.00000000		0.00000000

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

1-A1		01/20/06 – 02/19/06		30		4.71000	%		115,799,390.83		454,512.61		0.00		0.00		0.00		454,512.61		0.00		110,236,933.65
1-A2		01/20/06 – 02/19/06		30		4.86000	%		12,866,791.80		52,110.51		0.00		0.00		0.00		52,110.51		0.00		12,248,731.74
1-AR		N/A		N/A		5.09438	%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
1-XA		01/1/06 – 01/30/06		30		0.18351	%		128,666,182.63		19,676.06		0.00		0.00		0.00		19,676.06		0.00		122,485,665.39
2-A1		01/1/06 – 01/30/06		30		4.08164	%		147,431,518.22		501,468.60		0.00		0.00		0.00		501,468.60		0.00		147,256,052.56
2-A2		01/1/06 – 01/30/06		30		4.08164	%		9,455,744.23		32,162.45		0.00		0.00		0.00		32,162.45		0.00		9,444,490.48
2-AR		N/A		N/A		4.09917	%		0.00		0.00		0.00		0.00		0.00		0.00		0.00		0.00
1-B1		01/20/06 – 02/19/06		30		4.94000	%		2,093,000.00		8,616.18		0.00		0.00		0.00		8,616.18		0.00		2,093,000.00
1-B2		01/20/06 – 02/19/06		30		5.12000	%		1,395,000.00		5,952.00		0.00		0.00		0.00		5,952.00		0.00		1,395,000.00
1-B3		01/20/06 – 02/19/06		30		4.90851	%		1,706,000.00		6,978.26		0.00		0.00		0.00		6,978.26		0.00		1,706,000.00
1-XB		N/A		30		0.00000	%		3,488,000.00		0.00		0.00		0.00		0.00		0.00		0.00		3,488,000.00
1-B4		01/1/06 – 01/30/06		30		4.90851	%		697,000.00		2,851.03		0.00		0.00		0.00		2,851.03		0.00		697,000.00
1-B5		01/1/06 – 01/30/06		30		4.90851	%		543,000.00		2,221.10		0.00		0.00		0.00		2,221.10		0.00		543,000.00
1-B6		01/1/06 – 01/30/06		30		4.90851	%		310,325.03		1,269.36		0.00		0.00		0.00		1,269.36		0.00		310,325.03
2-B1		01/1/06 – 01/30/06		30		4.08164	%		1,740,000.00		5,918.38		0.00		0.00		0.00		5,918.38		0.00		1,740,000.00
2-B2		01/1/06 – 01/30/06		30		4.08164	%		696,000.00		2,367.35		0.00		0.00		0.00		2,367.35		0.00		696,000.00
2-B3		01/1/06 – 01/30/06		30		4.08164	%		348,000.00		1,183.68		0.00		0.00		0.00		1,183.68		0.00		348,000.00
2-B4		01/1/06 – 01/30/06		30		4.08164	%		348,000.00		1,183.68		0.00		0.00		0.00		1,183.68		0.00		348,000.00
2-B5		01/1/06 – 01/30/06		30		4.08164	%		348,000.00		1,183.68		0.00		0.00		0.00		1,183.68		0.00		348,000.00
2-B6		01/1/06 – 01/30/06		30		4.08164	%		174,416.03		593.25		0.00		0.01		0.00		593.24		0.20		174,416.03

Totals											1,100,248.18		0.00		0.01		0.00		1,100,248.33		0.20

(1, 2)

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

Interest Distribution Factors Statement


						Beginning				Payment of
			Current			Certificate/		Current		Unpaid		Current		Non-Supported				Remaining
	Original Face		Certificate			Notional		Accrued		Interest		Interest		Interest		Total Interest		Unpaid Interest		Ending Certificate/
Class	Amount		Rate			Balance		Interest		Shortfall		Shortfall(1)		Shortfall		Distribution		Shortfall(2)		Notational Balance

1-A1		133,459,000.00		4.71000	%		867.67764504		3.40563476		0.00000000		0.00000000		0.00000000		3.40563476		0.00000000		825.99849879
1-A2		14,829,000.00		4.86000	%		867.67764515		3.51409468		0.00000000		0.00000000		0.00000000		3.51409468		0.00000000		825.99849889
1-AR		50.00		5.09438	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		3.20000000		0.00000000		0.00000000
1-XA		0.00		0.18351	%		867.67764506		0.13268815		0.00000000		0.00000000		0.00000000		0.13268815		0.00000000		825.99849880
2-A1		160,096,000.00		4.08164	%		920.89445220		3.13229937		0.00000000		0.00000000		0.00000000		3.13229937		0.00000000		919.79844943
2-A2		10,268,000.00		4.08164	%		920.89445169		3.13229938		0.00000000		0.00000000		0.00000000		3.13229938		0.00000000		919.79844955
2-AR		50.00		4.09917	%		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000
1-B1		2,093,000.00		4.94000	%		1000.00000000		4.11666507		0.00000000		0.00000000		0.00000000		4.11666507		0.00000000		1000.00000000
1-B2		1,395,000.00		5.12000	%		1000.00000000		4.26666667		0.00000000		0.00000000		0.00000000		4.26666667		0.00000000		1000.00000000
1-B3		1,706,000.00		4.90851	%		1000.00000000		4.09042204		0.00000000		0.00000000		0.00000000		4.09042204		0.00000000		1000.00000000
1-XB		0.00		0.00000	%		1000.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		0.00000000		1000.00000000
1-B4		697,000.00		4.90851	%		1000.00000000		4.09043042		0.00000000		0.00000000		0.00000000		4.09043042		0.00000000		1000.00000000
1-B5		543,000.00		4.90851	%		1000.00000000		4.09042357		0.00000000		0.00000000		0.00000000		4.09042357		0.00000000		1000.00000000
1-B6		310,325.03		4.90851	%		1000.00000000		4.09042094		0.00000000		0.00000000		0.00000000		4.09040294		0.00000000		1000.00000000
2-B1		1,740,000.00		4.08164	%		1000.00000000		3.40136782		0.00000000		0.00000000		0.00000000		3.40136782		0.00000000		1000.00000000
2-B2		696,000.00		4.08164	%		1000.00000000		3.40136494		0.00000000		0.00000000		0.00000000		3.40136494		0.00000000		1000.00000000
2-B3		348,000.00		4.08164	%		1000.00000000		3.40137931		0.00000000		0.00000000		0.00000000		3.40137931		0.00000000		1000.00000000
2-B4		348,000.00		4.08164	%		1000.00000000		3.40137931		0.00000000		0.00000000		0.00000000		3.40137931		0.00000000		1000.00000000
2-B5		348,000.00		4.08164	%		1000.00000000		3.40137931		0.00000000		0.00000000		0.00000000		3.40137931		0.00000000		1000.00000000
2-B-6		174,416.03		4.08164	%		1000.00000000		3.40135021		0.00000000		0.00005733		0.00000000		3.40129287		0.00114668		0.00000000

(1, 2)

Amount also includes coupon cap or basis risk shortfalls, if applicable.
Per $1 denomination

Certificateholder Account Statement

Certificate Account


Beginning Balance			0.00
Deposits
Payments of Interest and Principal			7,536,156.77
Reserve Funds and Credit Enhancements			0.00
Proceeds from Repurchased Loans			0.00
Servicer Advances			10,588.49
Realized Losses (Gains, Subsequent Expenses & Recoveries)			0.00
Prepayment Penalties			0.00
Swap/Cap Payments			0.00

Total Deposits			7,546,745.26

Withdrawals
Swap Payments			0.00
Reserve Funds and Credit Enhancements			0.00
Reimbursement of Servicer Advances			709.81
Total Administration Fees			78,550.47
Payment of Interest and Principal			7,467,484.98

Total Withdrawals (Pool Distribution Amount)			7,546,745.26

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			0.00

Administration Fees


Gross Servicing Fee*			74,234.50
Master Servicing Fee			4,315.97
Supported Prepayment/Curtailment Interest Shortfall			0.00


Total Administration Fees			78,550.47


*Servicer Payees include: BANK OF AMERICA (NY); COUNTRYWIDE HOME LOANS INC.; GMAC MTG CORP; GREENPOINT MTG FUNDING, INC.; MORGAN STANLEY DEAN WITTER; PHH US MTG CORP; WELLS FARGO BANK, N.A.

Reserve Accounts



Account Type	Beginning Balance		Current Withdrawals		Current Deposits		Ending Balance

Reserve Fund		5,000.00		0.00		0.00		5,000.00
Reserve Fund		4,829.62		300.79		0.00		4,505.48

Collateral Statement


Collateral Description	Fixed & Mixed Arm
Weighted Average Gross Coupon		4.779789	%
Weighted Average Net Coupon		4.478790	%
Weighted Average Pass-Through Rate		4.459967	%
Weighted Average Remaining Term		313

Beginning Scheduled Collateral Loan Count		495
Number of Loans Paid in Full		3
Ending Scheduled Collateral Loan Count		492

Beginning Scheduled Collateral Balance		295,952,186.45
Ending Scheduled Collateral Balance		289,584,949.80
Ending Actual Collateral Balance at 31-Jan-2006		289,732,345.96

Monthly P&I Constant		1,356,182.64
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

Scheduled Principal		177,358.45
Unscheduled Principal		6,189,878.20


Group	Group One		Group Two		Total
Collateral Description	Mixed ARM		Mixed ARM		Mixed ARM
Weighted Average Coupon Rate		5.287473		4.351578		4.779789
Weighted Average Net Rate		4.926010		4.101578		4.478790
Pass-Through Rate		4.908510		4.081640		4.459967
Weighted Average Maturity		286		335		313
Record Date		01/31/2006		01/31/2006		01/31/2006
Principal and Interest Constant		673,266.44		682,916.20		1,356,182.64
Beginning Loan Count		246		249		495
Loans Paid in Full		3		0		3
Ending Loan Count		243		249		492
Beginning Scheduled Balance		135,410,507.90		160,541,678.55		295,952,186.45
Ending Scheduled Balance		129,229,990.66		160,354,959.14		289,584,949.80
Scheduled Principal		76,616.91		100,741.54		177,358.45
Unscheduled Principal		6,103,900.33		85,977.87		6,189,878.20
Scheduled Interest		596,649.53		582,174.66		1,178,824.19
Servicing Fee		40,788.32		33,446.18		74,234.50
Master Servicing Fee		1,974.74		2,341.23		4,315.97
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		553,886.47		546,061.09		1,099,947.56
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 – Group Level

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	95.019349	%
Pro Rata Subordinate Percentage	4.980651	%

Group Two
Senior Percent	100.000000	%
Senior Prepayment Percent	100.000000	%
Subordinate Percent	0.000000	%
Subordinate Prepayment Percent	0.000000	%
Pro Rata Senior Percentage	97.723696	%
Pro Rata Subordinate Percentage	2.276304	%

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 Loans	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		2,233,188.04		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00		30 Days	6		2,233,188.04
60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00
90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00
120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00
150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00
180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00

	6		2,233,188.04			0		0.00			0		0.00			0		0.00			6		2,233,188.04

	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	1.219512%		0.770776	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	1.219512%		0.770776	%
60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%
90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%
120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%
150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%
180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%

	1.219512%		0.770776	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000	%		1.219512%		0.770776	%


Current Period Class A Insufficient Funds:			0.00			Principal Balance of Contaminated Properties			0.00			Periodic Advance			10,588.49

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	5		1,275,009.37		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00		30 Days	5		1,275,009.37
60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00
90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00
120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00
150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00
180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00

	5		1,275,009.37			0		0.00			0		0.00			0		0.00			5		1,275,009.37

	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	2.057613%		0.986173	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	2.057613%		0.986173	%
60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%
90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%
120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%
150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%
180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%

	2.057613%		0.986173	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000	%		2.057613%		0.986173	%


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	1		958,178.67		30 Days	0		0.00		30 Days	0		0.00		30 Days	0		0.00	30 Days	1		958,178.67
60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00		60 Days	0		0.00	60 Days	0		0.00
90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00		90 Days	0		0.00	90 Days	0		0.00
120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00		120 Days	0		0.00	120 Days	0		0.00
150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00		150 Days	0		0.00	150 Days	0		0.00
180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00		180+ Days	0		0.00	180+ Days	0		0.00

	1		958,178.67			0		0.00			0		0.00			0		0.00		1		958,178.67

	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	0.401606%		0.597206	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000	%	30 Days	0.000000%		0.000000%	30 Days	0.401606%		0.597206	%
60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000	%	60 Days	0.000000%		0.000000%	60 Days	0.000000%		0.000000	%
90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000	%	90 Days	0.000000%		0.000000%	90 Days	0.000000%		0.000000	%
120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000	%	120 Days	0.000000%		0.000000%	120 Days	0.000000%		0.000000	%
150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000	%	150 Days	0.000000%		0.000000%	150 Days	0.000000%		0.000000	%
180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000	%	180+ Days	0.000000%		0.000000%	180+ Days	0.000000%		0.000000	%

	0.401606%		0.597206	%		0.000000%		0.000000	%		0.000000%		0.000000	%		0.000000%		0.000000%		0.401606%		0.597206	%