Exhibit 99.1
ACCREDITED MORTGAGE LOAN TRUST 2005-1
OFFICER'S CERTIFICATE
(Section 5.09 of the Sale and Servicing Agreement)
Pursuant to Section 5.09 of the Sale and Servicing Agreement dated as of
February 1, 2005 (the "Agreement"), by and among ACCREDITED MORTGAGE LOAN REIT
TRUST, as Seller (the "Seller"), ACCREDITED HOME LENDERS, INC., as Sponsor (in
such capacity, the "Sponsor") and as Servicer (in such capacity, the
"Servicer"), ACCREDITED MORTGAGE LOAN TRUST 2005-1, as Issuer (the "Trust"), and
DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee (the "Indenture
Trustee") (the "Agreement"), ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇, Chairman of the Board of the
Servicer, and ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, Assistant Secretary of the Servicer, hereby
state as follows (initially capitalized terms used herein and not otherwise
defined have the same meanings as under the Agreement):
1. They are the duly elected, qualified and acting Chairman of the Board
and Assistant Secretary, respectively, of the Servicer.
2 A review of the activities of the Servicer during the preceding calendar
year and of its performance under the Agreement has been made under their
supervision.
3. To the best of their knowledge, based on such review, the Servicer has
fulfilled all its obligations under the Agreement throughout such year.
EXECUTED as of the 15th day of March, 2006.
/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇
------------------------
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇
Chairman of the Board
/s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
-------------------------
▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Assistant Secretary
