Annual Report — Form 10-K
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 10-K Annual Report -- sec10k 6± 28K
2: EX-1 Underwriting Agreement 2± 12K
3: EX-2 Plan of Acquisition, Reorganization, Arrangement, 2± 10K
Liquidation or Succession
4: EX-3 Articles of Incorporation/Organization or By-Laws 2± 11K
5: EX-4 Instrument Defining the Rights of Security Holders 1 7K
6: EX-5 Opinion re: Legality 2± 9K
7: EX-7 Letter re: Non-Reliance upon a Previously Issued 1 6K
Audit Report or Completed Interim Review
8: EX-8 Opinion re: Tax Matters HTML 31K
EX-3 — Articles of Incorporation/Organization or By-Laws
PRICEWATERHOUSECOOPERS
PricewaterhouseCoopers LLP
PricewaterhouseCoopers Center
300 Madison Avenue
New York NY 10017
Telephone (646) 471 3000
Facsimile (813) 286 6000
Report of Independent Auditors
To the Board of Directors and Stockholder
of JPMorgan Chase Bank, National Association:
We have examined management's assertion about JPMorgan Chase Bank, National
Association's (the "Company") compliance with the minimum servicing standards
identified in the Mortgage Bankers Association of America's Uniform Single
Attestation Program for Mortgage Bankers ("USAP") solely as they relate to
standard VII, Insurance Policies (the "Applicable Standard"), as of and for
the year ended December 31, 2005 included in the accompanying management
assertion. Management is responsible for the Company's compliance with the
Applicable Standard. Our responsibility is to express an opinion
on management's assertion about the Company's compliance, solely as it
relates to the Applicable Standard based on our examination. The Company uses
subservicing organizations to perform the servicing obligations subject to
minimum servicing standards I-VI of USAP. We did not examine the Company's
compliance with standards I-VI of USAP and, accordingly, do not express an
opinion thereon.
Our examination was made in accordance with attestation standards established
by the American Institute of Certified Public Accountants and, accordingly,
included examining, on a test basis, evidence about the Company's compliance
with the Applicable Standard and performing such other procedures as we
considered necessary in the circumstances. We believe that our examination
provides a reasonable basis for our opinion. Our examination does not provide
a legal determination on the Company's compliance with the Applicable
Standard.
In our opinion, management's assertion that the Company complied with the
Applicable Standard solely as it relates to standard VII, Insurance Policies,
as of and for the year ended December 31, 2005 is fairly stated, in all
material respects.
/s/ PricewaterhouseCoopers L.L.P.
PricewaterhouseCoopers L.L.P.
March 13, 2006
Management's Assertion Concerning Compliance
with USAP Minimum Servicing Standards
March 13, 2006
As of and for the year ended December 31, 2005, JPMorgan Chase Bank, National
Association (the "Company") has complied in all material respects with the
minimum servicing standards set forth in the Mortgage Bankers Association of
America's Uniform Single Attestation Program for Mortgage Bankers ("USAP")
solely as they relate to standard VII, Insurance Policies (the "Applicable
Standard"). The Company uses subservicing organizations to perform the
servicing obligations subject to minimum servicing standards I-VI of USAP.
As of and for this same period, the Company had in effect fidelity bond and
errors and omissions policies in the amounts of $250,000,000 and $25,000,000
respectively.
Attached to this Management Assertion are the independent auditors' reports
on the subservicing organizations' compliance with the minimum servicing
standards related to the servicing obligations performed.
/s/ Kim Greaves /s/ Jim Miller
----------------- ---------------
Kim Greaves Jim Miller
Vice President Vice President
JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A.
/s/ Scott Powell
------------------
Scott Powell
Senior Vice President
JPMorgan Chase Bank, N.A.
Dates Referenced Herein
This ‘10-K’ Filing | | Date | | Other Filings |
---|
| | |
Filed on: | | 3/29/06 | | None on these Dates |
| | 3/13/06 |
For Period End: | | 12/31/05 |
| List all Filings |
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