item 14 principal accounting fees services applicable part iv item 15 item 7 managements discussion analysis financial condition results operation applicable item 7a item 7a quantitative qualitative disclosures market risk applicable item 8 item 8 financial statements supplementary data applicable item 9 item 15 exhibits financial statement schedules exhibits 311 rule 13a14a15d14a certification 991 annual independent accountants servicing reports concerning servicing activities 992 report management compliance minimum servicing standards 993 annual statements compliance pooling servicing agreements 994 aggregate statement principal interest distributions certificate holders b applicable c omitted filed herewith signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized deutsche alta securities inc mortgage passthrough certificates series 20052 registrant signed wells fargo bank na master servicer kristen ann cronin vice president kristen ann cronin vice president dated march 29 2006 exhibit index exhibit ex311 rule 13a14a15d14a certification kristen ann cronin certify 1 reviewed annual report form 10k reports form 8k containing distribution servicing reports filed respect periods included year covered annual report deutsche alta securities inc mortgage passthrough certificates series 20052 trust 2 based knowledge information reports taken whole contain untrue statement material fact omit state material fact necessary make statements made light circumstances statements made misleading last day period covered annual report 3 based knowledge distribution servicing information required provided trustee servicer pooling servicing similar agreement inclusion reports included reports 4 responsible reviewing activities performed master servicer pooling servicing similar agreement based upon knowledge annual compliance review required agreement except disclosed reports master servicer fulfilled obligations agreement 5 reports disclose significant deficiencies relating servicers compliance minimum servicing standards based upon report provided independent public accountant conducting review compliance uniform single attestation program mortgage bankers similar procedure set forth pooling servicing similar agreement included reports giving certifications reasonably relied information provided following unaffiliated parties greenpoint mortgage funding inc servicer mortgage corp servicer national city mortgage co servicer date march 29 2006 kristen ann cronin signature vice president title ex991 logo kpmg llp 55 second street san francisco ca 94105 independent accountants report board directors north fork bancorporation inc examined managements assertion included accompanying management assertion greenpoint mortgage funding inc wholly owned subsidiary north fork bancorporation inc complied minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2005 management responsible greenpoint mortgage funding incs compliance minimum servicing standards responsibility express opinion managements assertion greenpoint mortgage funding incs compliance based examination conducted accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence greenpoint mortgage funding incs compliance minimum servicing standards specified performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination greenpoint mortgage funding incs compliance minimum servicing standards examination disclosed following material noncompliance minimum servicing standards custodial bank accounts year ended december 31 2005 certain custodial bank account reconciliations prepared reviewed timely basis addition certain custodial bank accounts reconciling items resolved within 90 calendar days original identification opinion except material noncompliance described third paragraph greenpoint mortgage funding inc complied material respects aforementioned minimum servicing standards year ended december 31 2005 kpmg llp february 21 2006 kpmg llp us limited liability partnership us member firm kpmg international swiss cooperative ex991 b logo pricewaterhousecoopers llp 3600 hsbc center buffalo ny 142032879 telephone 716 856 4650 facsimile 716 856 1208 report independent accountants board directors stockholder mt mortgage corporation examined managements assertion mt mortgage corporations company compliance minimum servicing standards identified mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2005 included accompanying management assertion see exhibit 1 management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination made accordance attestation standards established american institute certified public accountants accordingly included examining test basis evidence companys compliance minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination companys compliance minimum servicing standards opinion managements assertion company complied aforementioned minimum servicing standards year ended december 31 2005 fairly stated material respects pricewaterhousecoopers llp march 10 2006 page exhibit 1 managements assertion concerning compliance usap minimum servicing standards march 10 2006 year ended december 31 2005 mt mortgage corporation company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap period company effect fidelity bond errors omissions policy amounts 55000000 54000000 respectively mt mortgage corporation james j beardi james j beardi president mark j mendel mark j mendel administrative vice president po box 1288 buffalo ny 14240 716 626 7010 800 724 2224 mortgage account information click away wwwmandtmortgagecom ex991 c logo ernstyoung ernst young llp suite 1300 925 euclid avenue cleveland oh 44115 phone 2168615000 wwweycom report managements assertion compliance specified minimum servicing standards set forth uniform single attestation program mortgage bankers report independent accountants board directors national city mortgage co examined managements assertion included accompanying report titled report management national city mortgage concm complied minimum servicing standards identified exhibit report management specific minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers yearended december 31 2005 management responsible ncms compliance specified minimum servicing standards responsibility express opinion managements assertions ncms compliance based examination made accordance attestation standards established public company accounting oversight board united states accordingly included examining test basis evidence ncms compliance specified minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination ncms compliance specified minimum servicing standards opinion managements assertion ncm complied aforementioned specified minimum servicing standards year ended december 31 2005 fairly stated material respects ernst young llp march 1 2006 member practice earnst young global page exhibit minimum servicing standards custodial bank accounts reconciliations shall prepared monthly basis custodial bank accounts related bank clearing accounts reconciliations shall mathematically accurate prepared within fortyfive 30 calendar days cutoff date cutoff date bank account reconciled every month may coincide prescribed investor reporting date shall consistent period reviewed approved someone person prepared reconciliation document explanations reconciling items reconciling items shall resolved within ninety 90 calendar days original identification funds servicing entity shall advanced cases overdraft investors mortgagors account custodial account shall maintained federally insured depository institution trust applicable investor escrow funds held trust mortgagor shall returned mortgagor within thirty 30 calendar days payoff mortgage loan procedure bank reconciliation processors reporting remitting authority responsibility responsible reporting reconciling items greater 90 days supervisor manager review clearing accounts account reconciling items greater 90 days accounts overdrawn balance custodial accounts reconciled month outstanding items 90 days reported supervision review reconciled within 30 days accounts reconciled bank recon log records accounts date reconciliation completed given supervisor area custodial account items 90 days outstanding indicated red log months reconciliation given log supervisor reconciliation log given supervisor verifies accounts reconciled within time frames clearing account reviewed supervisor validity verifying reconciliation complete accurate using system reports applicable supervisor signs bottom reconciliation dates document accounts reviewed memos prepared signed reconciliations reconciliation log forwarded vice president investor services second review signoff private pool investor recon 660 gse principal interest custodial account reconciliations reviewed signed supervisor also manager selects 10 accounts per month random review mortgage payments mortgage payments shall deposited custodial bank accounts related bank clearing accounts within two 2 business days receipt mortgage payments made accordance page mortgagors loan documents shall posted applicable mortgagor records within two 2 business days receipt mortgage payments shall allocated principal interest insurance taxes escrow items accordance mortgagors loan documents mortgage payments identified loan payoffs shall allocated accordance mortgagors loan documents procedure ncm receives mortgage payments customers following channels lockbox eft overthecounter otc payments made national city bank branch inhouse payments received departments directly mailed ncm electronic transmissions payments received electronically vendors speedpay checkfree metavante princeton ecom online resources western union quick collect customer payments made via lockbox eft overthecounter inhouse electronic transmissions ultimately transferred ncmc collection clearing account dda 2532529 collection clearing account activity balanced exact transaction reports daily basis payment services reports retrieved bank reporting service collection clearing account also balanced bank statement monthly investor services payment posting authority day balancing processors ensure payments received channels noted deposited related bank clearing accounts borrowers payment information updated msp fidelity payments received national city mortgage updated within two 2 business days less description payment channel lockbox sla service level agreement ncm 100 matched payments processed day remaining exception payments processed 100 next day eft payments processed electronically scheduled date otc payments transmitted directly msp daily national city bank electronicbill payment vendor payments transmitted directly msp daily vendor inhouse payments received 1 departments 2 unprocessed work lockbox 3 customer service lobby 4 payments mailed directly ncmc inhouse payments exception payments keyed directly msp system applied mortgagor records day received payment services payments processed day processed first thing following morning payments processed firstinfirstout payment processed msp fidelity automatically allocated msp system principal interest taxes insurance service fees msps nightly processing national city mortgage co accepts payoffs check wire payoff checks wires received 300 pm eastern time monday friday processed day payoff checks must mailed 3232 newmark dr miamisburg ohio 45342 attn payoff dept payoffs date stamped posted servicing system fidelity day received exception short payoffs deposit slips prepared batch reconciled deposit slips corresponding checks hand delivered payment services second reconciliation prepare delivery bank payoff funds received inadequate sufficient funds loans escrowimpound account national city mortgage co contact sender funds collect shortage disbursements page disbursements made via wire transfer behalf mortgagor investor shall made authorized personnel disbursements made behalf mortgagor investor shall posted within two 2 business days mortgagors investors records maintained servicing entity tax insurance payments shall made penalty insurance policy expiration dates indicated tax bills insurance premium notices respectively provided support received servicing entity least thirty 30 calendar days prior dates late payment penalties paid conjunction payment tax bill insurance premium notice shall paid servicing entitys funds charged mortgagor unless late payment due mortgagors error omission amounts remitted investors per servicers investor reports shall agree cancelled checks form payment custodial bank statements unissued checks shall safeguarded prevent unauthorized access procedure national city mortgage co proper internal controls provide reasonable assurance investor remittances tax insurance payments properly authorized correct amount servicing system tracks due dates ensure timely payment clearing custodial accounts reconciled monthly servicing system authorized personnel allowed wire transfer access check printing access internal audits utilization servicing system prevents duplicate payments loan audited ensure appropriate insurance tax information populated correct disbursement tax insurance information tracked automated insurance tax workstation disbursements generated based appropriate expiration due date investor accounting reporting servicing entitys investor reports shall agree reconcile investors records monthly basis total unpaid principal balance number loans serviced servicing entity procedure majority loans investor sends turnaround report compares servicer trial balance records investor records investors notify investor services department differences mortgagor loan accounting servicing entitys mortgage loan records shall agree reconcile records mortgagors respect unpaid principal balance monthly basis adjustments adjustable rate mortgage arm loans shall computed based related mortgage note arm rider escrow accounts shall analyzed accordance mortgagors loan documents least annual basis interest escrow accounts shall paid credited mortgagors accordance applicable state laws procedure loan boards fidelity servicing system reviewed accuracy fidelity system tracks loan termination sufficient funds deposited escrow account cover insurance premiums including hazard flood pmi mip taxes special assessments page arm adjustments calculated automated arm workstation based appropriate index obtained wall street journal financial publication needed letter sent according respa requirements advising borrower new rate escrowed loan boarded fidelity servicing system coupon month indicates loan due escrow analysis loans reviewed month based upon coupon month mass escrow analysis performed quality audit reports ordered monthly entire portfolio ensure loans appropriate coupon month loan analyzed past twelve months remains within respa compliance accrual interest escrow tracked fidelity servicing system loan level monthly reports ordered escrow analysis supervisor release funds deposited escrow accounts quarterly escrow analysis supervisor reviews state regulations changes quality audit reports ordered monthly loans states requiring interest escrow ensure loans properly coded interest escrow delinquencies records documenting collection efforts shall maintained period loan default shall updated least monthly records shall describe entitys activities monitoring delinquent loans including example phone calls letters mortgage payment repayment plans cases delinquency deemed temporary ie illness unemployment procedure national city mortgage cos collection strategy make early contact delinquent mortgagors improve likelihood defaults poor pay habits cured strategy employs series calls letters property inspections gather information regarding reasons default mortgagors ability pay intentions retain property condition property delinquency trends product analyzed throughout month provide effective call campaign penetration strategies risk profiler early indicator scoring utilized prioritize calling campaigns high risk special product loans managed special servicing team consists counselors demonstrate strong technical product knowledge excellent listening skills possess thorough understanding loss mitigation use early resolution allows counselors work stages delinquency loans thirty days past due worked early resolution starting first day month less thirtyday delinquent loans worked fis sixteenth month delinquent loans processed early resolution seventeenth day month scripting prompting tools within early resolution guide counselor obtain necessary mortgagor information required evaluate hierarchy solutions approximately three hundred management controls embedded complex calculations within early resolution lead counselor appropriate qualificationprequalification loss mitigation resolution available loss mitigation options partial claimclaim advance modification short sale page deedinlieu foreclosure workouts encouraged end result improve likelihood mortgagor retain hisher home reduced payments losses reduced assisted short sale property interest minimizing investor losses collection activity continues loss mitigation review process mortgagors financial situation support workout mortgagor unwilling work national city mortgage co loan breached moved timely foreclosure process loss mitigation continue offered borrower throughout foreclosure process insurance policies fidelity bond errors omissions policy shall effect servicing entity throughout reporting period amount coverage represented investors managements assertion procedure national city mortgage co required carry adequate coverage national city mortgage cos loans event national city mortgage co made error policy reviewed annually ensure proper coverage ex992 100 wood hollow drive novato ca 94945 800 4622700 logo greenpoint mortgage managements assertion february 21 2006 year ended december 31 2005 greenpoint mortgage funding inc complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers except follows year certain custodial bank account reconciliations prepared reviewed timely basis addition certain custodial bank accounts reconciling items resolved 90 calendar days original identification month ended december 31 2005 custodial bank reconciliations completed reviewed timely basis year ended december 31 2005 greenpoint mortgage funding inc effect fidelity bond amount 25000000 single loss limit aggregate limit liability 50000000 errors omissions policy amount 25000000 single loss limit aggregate limit liability truly greenpoint mortgage funding inc servicer steve abreu steve abreu chief executive officer dave petrini dave petrini chief financial officer becky poisson becky poisson executive vice president technology servicing ex992 b logo mt mortgage corporation subsidiary mt bank exhibit 1 managements assertion concerning compliance usap minimum servicing standards march 10 2006 year ended december 31 2005 mt mortgage corporation company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap period company effect fidelity bond errors omissions policy amounts 55000000 54000000 respectively mt mortgage corporation james j beardi james j beardi president mark j mendel mark j mendel administrative vice president po box 1288 buffalo ny 14240 716 626 7010 800 724 2224 mortgage account information click away wwwmandtmortgagecom ex992 c logo national city mortgage co national city mortgage co subsidiary national city bank indiana 3232 newmark drive miamisburg ohio 45342 telephone 937 9101200 mailing address po box 1820 dayton ohio 454011820 managements assertion compliance specified minimum servicing standards set forth uniform single attestation program mortgage bankers report management members management national city mortgage co ncm responsible complying servicing standards identified attached exhibit specified minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap also responsible establishing maintaining effective internal control compliance specified minimum servicing standards performed evaluation ncms compliance specified minimum servicing standards december 31 2005 year ended based evaluation assert year ended december 31 2005 ncm complied material respects specified minimum servicing standards set forth usap december 31 2005 year ended ncm effect fidelity bond policy amount 200 million errors omissions policy amount 250 million steven scheid steven scheid senior vice president jackson case jr jackson casejr executive vice president march 1 2006 one cares page exhibit minimum servicing standards custodial bank accounts reconciliations shall prepared monthly basis custodial bank accounts related bank clearing accounts reconciliations shall mathematically accurate prepared within fortyfive 30 calendar days cutoff date cutoff date bank account reconciled every month may coincide prescribed investor reporting date shall consistent period reviewed approved someone person prepared reconciliation document explanations reconciling items reconciling items shall resolved within ninety 90 calendar days original identification funds servicing entity shall advanced cases overdraft investors mortgagors account custodial account shall maintained federally insured depository institution trust applicable investor escrow funds held trust mortgagor shall returned mortgagor within thirty 30 calendar days payoff mortgage loan procedure bank reconciliation processors reporting remitting authority responsibility responsible reporting reconciling items greater 90 days supervisor manager review clearing accounts account reconciling items greater 90 days accounts overdrawn balance custodial accounts reconciled month outstanding items 90 days reported supervision review reconciled within 30 days accounts reconciled bank recon log records accounts date reconciliation completed given supervisor area custodial account items 90 days outstanding indicated red log months reconciliation given log supervisor reconciliation log given supervisor verifies accounts reconciled within time frames clearing account reviewed supervisor validity verifying reconciliation complete accurate using system reports applicable supervisor signs bottom reconciliation dates document accounts reviewed memos prepared signed reconciliations reconciliation log forwarded vice president investor services second review signoff private pool investor recon 660 gse principal interest custodial account reconciliations reviewed signed supervisor also manager selects 10 accounts per month random review mortgage payments mortgage payments shall deposited custodial bank accounts related bank clearing accounts within two 2 business days receipt mortgage payments made accordance page mortgagors loan documents shall posted applicable mortgagor records within two 2 business days receipt mortgage payments shall allocated principal interest insurance taxes escrow items accordance mortgagors loan documents mortgage payments identified loan payoffs shall allocated accordance mortgagors loan documents procedure ncm receives mortgage payments customers following channels lockbox eft overthecounter otc payments made national city bank branch inhouse payments received departments directly mailed ncm electronic transmissions payments received electronically vendors speedpay checkfree metavante princeton ecom online resources western union quick collect customer payments made via lockbox eft overthecounter inhouse electronic transmissions ultimately transferred ncmc collection clearing account dda 2532529 collection clearing account activity balanced exact transaction reports daily basis payment services reports retrieved bank reporting service collection clearing account also balanced bank statement monthly investor services payment posting authority day balancing processors ensure payments received channels noted deposited related bank clearing accounts borrowers payment information updated msp fidelity payments received national city mortgage updated within two 2 business days less description payment channel lockbox sla service level agreement ncm 100 matched payments processed day remaining exception payments processed 100 next day eft payments processed electronically scheduled date otc payments transmitted directly msp daily national city bank electronicbill payment vendor payments transmitted directly msp daily vendor inhouse payments received 1 departments 2 unprocessed work lockbox 3 customer service lobby 4 payments mailed directly ncmc inhouse payments exception payments keyed directly msp system applied mortgagor records day received payment services payments processed day processed first thing following morning payments processed firstinfirstout payment processed msp fidelity automatically allocated msp system principal interest taxes insurance service fees msps nightly processing national city mortgage co accepts payoffs check wire payoff checks wires received 300 pm eastern time monday friday processed day payoff checks must mailed 3232 newmark dr miamisburg ohio 45342 attn payoff dept payoffs date stamped posted servicing system fidelity day received exception short payoffs deposit slips prepared batch reconciled deposit slips corresponding checks hand delivered payment services second reconciliation prepare delivery bank payoff funds received inadequate sufficient funds loans escrowimpound account national city mortgage co contact sender funds collect shortage disbursements page disbursements made via wire transfer behalf mortgagor investor shall made authorized personnel disbursements made behalf mortgagor investor shall posted within two 2 business days mortgagors investors records maintained servicing entity tax insurance payments shall made penalty insurance policy expiration dates indicated tax bills insurance premium notices respectively provided support received servicing entity least thirty 30 calendar days prior dates late payment penalties paid conjunction payment tax bill insurance premium notice shall paid servicing entitys funds charged mortgagor unless late payment due mortgagors error omission amounts remitted investors per servicers investor reports shall agree cancelled checks form payment custodial bank statements unissued checks shall safeguarded prevent unauthorized access procedure national city mortgage co proper internal controls provide reasonable assurance investor remittances tax insurance payments properly authorized correct amount servicing system tracks due dates ensure timely payment clearing custodial accounts reconciled monthly servicing system authorized personnel allowed wire transfer access check printing access internal audits utilization servicing system prevents duplicate payments loan audited ensure appropriate insurance tax information populated correct disbursement tax insurance information tracked automated insurance tax workstation disbursements generated based appropriate expiration due date investor accounting reporting servicing entitys investor reports shall agree reconcile investors records monthly basis total unpaid principal balance number loans serviced servicing entity procedure majority loans investor sends turnaround report compares servicer trial balance records investor records investors notify investor services department differences mortgagor loan accounting servicing entitys mortgage loan records shall agree reconcile records mortgagors respect unpaid principal balance monthly basis adjustments adjustable rate mortgage arm loans shall computed based related mortgage note arm rider escrow accounts shall analyzed accordance mortgagors loan documents least annual basis interest escrow accounts shall paid credited mortgagors accordance applicable state laws procedure loan boards fidelity servicing system reviewed accuracy fidelity system tracks loan termination sufficient funds deposited escrow account cover insurance premiums including hazard flood pmi mip taxes special assessments page arm adjustments calculated automated arm workstation based appropriate index obtained wall street journal financial publication needed letter sent according respa requirements advising borrower new rate escrowed loan boarded fidelity servicing system coupon month indicates loan due escrow analysis loans reviewed month based upon coupon month mass escrow analysis performed quality audit reports ordered monthly entire portfolio ensure loans appropriate coupon month loan analyzed past twelve months remains within respa compliance accrual interest escrow tracked fidelity servicing system loan level monthly reports ordered escrow analysis supervisor release funds deposited escrow accounts quarterly escrow analysis supervisor reviews state regulations changes quality audit reports ordered monthly loans states requiring interest escrow ensure loans properly coded interest escrow delinquencies records documenting collection efforts shall maintained period loan default shall updated least monthly records shall describe entitys activities monitoring delinquent loans including example phone calls letters mortgage payment repayment plans cases delinquency deemed temporary ie illness unemployment procedure national city mortgage cos collection strategy make early contact delinquent mortgagors improve likelihood defaults poor pay habits cured strategy employs series calls letters property inspections gather information regarding reasons default mortgagors ability pay intentions retain property condition property delinquency trends product analyzed throughout month provide effective call campaign penetration strategies risk profiler early indicator scoring utilized prioritize calling campaigns high risk special product loans managed special servicing team consists counselors demonstrate strong technical product knowledge excellent listening skills possess thorough understanding loss mitigation use early resolution allows counselors work stages delinquency loans thirty days past due worked early resolution starting first day month less thirtyday delinquent loans worked fis sixteenth month delinquent loans processed early resolution seventeenth day month scripting prompting tools within early resolution guide counselor obtain necessary mortgagor information required evaluate hierarchy solutions approximately three hundred management controls embedded complex calculations within early resolution lead counselor appropriate qualificationprequalification loss mitigation resolution available loss mitigation options partial claimclaim advance modification short sale page deedinlieu foreclosure workouts encouraged end result improve likelihood mortgagor retain hisher home reduced payments losses reduced assisted short sale property interest minimizing investor losses collection activity continues loss mitigation review process mortgagors financial situation support workout mortgagor unwilling work national city mortgage co loan breached moved timely foreclosure process loss mitigation continue offered borrower throughout foreclosure process insurance policies fidelity bond errors omissions policy shall effect servicing entity throughout reporting period amount coverage represented investors managements assertion procedure national city mortgage co required carry adequate coverage national city mortgage cos loans event national city mortgage co made error policy reviewed annually ensure proper coverage ex993 po box 84013 columbus ga 319084013 tel 8007845566 logo greenpoint mortgage february 27 2006 wells fargo bank national association securities administrator client manager dbalt 20052 9062 old annapolis road columbia md 21045 annual statement compliance servicing agreement greenpoint mortgage funding inc servicer ladies gentlemen pursuant servicing agreement respect abovereferenced offering undersigned officer greenpoint mortgage funding inc servicer hereby certifies following capitalized terms meanings used servicing agreement 1 review activities servicer performance servicing agreement preceding fiscal year since inception trust made direct supervision undersigned officer 2 best knowledge undersigned officer based review servicer fulfilled material obligations servicing agreement throughout applicable period known default fulfillment servicers material obligations throughout period except follows year certain custodial bank account reconciliations prepared reviewed timely basis addition certain custodial bank accounts reconciling items resolved 90 calendar days original identification month ended december 31 2005 custodial bank reconciliations completed reviewed timely basis truly greenpoint mortgage funding inc servicer bys michael de francesco name michael de francesco title senior vice president loan administration aviso importante para las personas habla espanol si usted entiendo el contenido de esta carta por favor obtenga una traduccion immediamente 2300 brookstone centre pkwy columbus ga 31904 wwwgreenpointservicecom ex993 b logo mt mortgage corporation subsidiary mt bank wells fargo dbny dbalt 20052 9062 old annapolis road columbia md 21045 attn client manager annual statement compliance fiscal year 2005 1 review activities seller servicer preceding calendar year performance according seller servicer contract made undersigned officers supervision 2 best undersigned officers knowledge based review seller servicer fulfilled obligations guides year default fulfillment obligation default listed known default status steps taken cure default none seller servicer mt mortgage corporation juliette alexander title assistant vice president investor reporting manager date march 14 2006 po box 1288 buffalo ny 14240 716 626 7010 800 724 2224 mortgage account information click away wwwmandtmortgagecom ex993 c exhibit wells fargo bank na 9062 old annapolis rd columbia md 21045 attention master servicing officers certificate dear master servicer undersigned officer certifies following 2005 fiscal year reviewed activities performance servicer preceding fiscal year terms servicing agreement trust agreement pooling servicing agreement andor sellerservicer guide best officers knowledge servicer fulfilled duties responsibilities obligations agreements throughout year default failure servicer perform duties responsibilities obligations description default failure nature status thereof reported wells fargo bank na b confirmed servicer currently approved fnma fhlmc servicer good standing c confirmed fidelity bond errors omissions insurance policy bonds required terms servicing agreement trust agreement pooling servicing agreement andor sellerservicer guide full force effect premiums hazard insurance policy flood insurance policy applicable primary mortgage insurance policy applicable respect mortgaged property paid insurance policies full force effect e real estate taxes governmental assessments expenses accrued due paid could result lien encumbrance mortgaged property paid costs expenses paid respect mortgaged property reason nonpayment reported wells fargo bank na f custodial accounts reconciled properly funded g annual reports foreclosure abandonment mortgage property required per section 6050h 6050j 6050p internal revenue code respectively prepared filed certified jackson case jr executive vp title march 2 2006 date ex994 schedule yeartodate principal interest distributions certificateholders