For the Three Months Ended 9/30/05
                              -------------------------------------
                               Weighted  Weighted  Weighted Percent 
                               Average   Average   Average    of
                               Coupon      LTV      FICO     Total 
                              ---------- --------- --------- ------
Summary by Credit Grade
 660 and above                  6.98%     82.6%       701      33%
 620 to 659                     7.32%     82.2%       640      25%
 580 to 619                     7.65%     81.6%       600      21%
 540 to 579                     8.20%     80.4%       559      14%
 539 and below                  8.73%     77.6%       528       7%
                                                             -------
                                7.50%     81.6%       632     100%
                               =======  ========    ======= ========

Summary by Program Type
 2-Year Fixed                   7.79%     82.4%        611      54%
 2-Year Fixed IO                6.90%     81.7%        661      22%
 3-Year Fixed                   7.26%     77.7%        619       1%
 3-Year Fixed IO                6.72%     79.8%        663       1%
 5-Year Fixed                   7.04%     77.9%        659       0%
 5-Year Fixed IO                6.63%     76.9%        672       0%
 15-Year Fixed                  7.80%     74.3%        649       2%
 30-Year Fixed                  7.09%     75.5%        642      13%
 30-Year Fixed IO               6.69%     76.9%        663       1%
 Other Products                 9.81%     94.3%        669       5%
 MTA                            1.71%     77.4%        706       1%
                                                             -------
                                7.50%     81.6%        632     100%
                              ========  ========     ======= =======
Weighted Average Coupon 
 Excluding MTA                  7.57%
                              ========