Alternative Loan Trust 2005-18CB
Not applicable. See the Relief Letters.
Not applicable.
None.
Not applicable. See the Relief Letters.
There were no material  pending  legal  proceedings  relating to the             Trust Fund to which any of the Trust Fund,  the Trustee,  the Master             Servicer  or the  Company  was a  party  or of  which  any of  their             respective properties was the subject during the fiscal year covered             by this Report other than ordinary routine litigation  incidental to             the duties of the Trust Fund,  the Trustee,  the Master  Servicer or             the  Company,  nor is the  Company  aware  of any  such  proceedings             contemplated by governmental authorities.
No matter  was  submitted  to a vote of  Certificateholders,  and no             Certificateholder  consent  was  solicited  during the  fiscal  year             covered by this Report.                                           4                                          PART II
(a)   Item 201 of Regulation S-K:                    i.    Market  Information.  There  is  no  established  public                         trading market for the Certificates.                    ii.   Holders.  As of  December  31, 2005 there were less than                         300 holders of record of the Certificates.                     iii.  Dividends.  Not  applicable.  See  the  Relief  Letters.                         (Information as to distributions  to  Certificateholders                         is provided in the Registrant's  monthly filings on Form                         8-K.)                    iv.   Securities   Authorized   for   Issuance   Under  Equity                         Compensation Plans. Not applicable.                    Item 701 of Regulation S-K. Not applicable.              (b)   Rule 463 of the Securities Act of 1933. Not applicable.              (c)   Item 703 of Regulation  S-K. Not  applicable as the Registrant                   has no class  of  equity  securities  registered  pursuant  to                   section 12 of the Securities Exchange Act of 1934.
Not applicable.  See the Relief Letters.
Not applicable.  See the Relief Letters.
Not applicable.
Not applicable.  See the Relief Letters.                                          5
None.
Not applicable.
None.                                          6                                         PART III
Not applicable. See the Relief Letters.
Not applicable. See the Relief Letters.
Information   required  by  Item  201(d)  of  Regulation   S-K:  Not             applicable.              Information required by Item 403 of Regulation S-K:              (a)   Not applicable. See the Relief Letters.              (b)   Not applicable. See the Relief Letters.              (c)   Not applicable. See the Relief Letters.
Not applicable. See the Relief Letters.
Not applicable.                                         7                                          PART IV
(a)   (1)   Pursuant to the Pooling and Servicing Agreement, the                         Master  Servicer  is  required  (i) to deliver an annual                         statement as to  compliance  with the  provisions of the                         Pooling  and  Servicing   Agreement  and  certain  other                         matters (the "Annual  Statement of the Master Servicer")                         and  (ii)  to  cause  a  firm  of   independent   public                         accountants to deliver an annual report as to compliance                         with  the  servicing   provisions  of  the  Pooling  and                         Servicing  Agreement  (the "Annual Report of the Firm of                         Accountants").   The  Annual  Statement  of  the  Master                         Servicer is attached as Exhibit 99.1 to this Report. The                         Annual Report of the Firm of  Accountants is attached as                         Exhibit 99.2 to this Report. See Relief Letters.                    (2)   Not applicable.                    (3)   The required exhibits are as follows:                          o     Exhibit  3(i):  Copy of Company's  Certificate  of                               Incorporation (Filed as an Exhibit to Registration                               Statement on Form S-3 (File No. 333-110343)).                          o     Exhibit 3(ii): Copy of Company's By-laws (Filed as                               an Exhibit to  Registration  Statement on Form S-3                               (File No. 333-110343)).                          o     Exhibit 4: Pooling and Servicing  Agreement (Filed                               as part of the Registrant's Current Report on Form                               8-K filed on July 13, 2005).                          o     Exhibit 31: Rule 15d-14(a) Certification.                          o     Exhibit  99.1:  Annual  Statement  of  the  Master                               Servicer.                          o     Exhibit  99.2:   Annual  Report  of  the  Firm  of                               Accountants.              (b)   See subparagraph (a)(3) above.              (c)   Not applicable. See the Relief Letters.                                           8                                       SIGNATURES        Pursuant  to the  requirements  of Section  13 or 15(d) of the  Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto duly authorized.                                      CWALT, INC.,                                     ALTERNATIVE LOAN TRUST 2005-18CB,                                     MORTGAGE PASS-THROUGH CERTIFICATES,                                     SERIES 2005-18CB                                      By:   Countrywide Home Loans Servicing LP,                                           as Master Servicer*                                      By:   Countrywide GP, Inc.                                       By:   /s/ Craig Baingo                                           ---------------------------                                           Name:  Craig Baingo                                           Title:    Executive Vice President                                      Date: March 27, 2006   - ------------------  *     This Report is being  filed by the Master  Servicer on behalf of the Trust       Fund. The Trust Fund does not have any officers or directors.                                           9            SUPPLEMENTAL  INFORMATION  TO BE FURNISHED  WITH REPORTS FILED PURSUANT TO SECTION 15(d) OF THE ACT BY  REGISTRANTS  WHICH HAVE NOT  REGISTERED  SECURITIES PURSUANT TO SECTION 12 OF THE ACT.        No such annual report, proxy statement,  form of proxy or other soliciting material  has  been,  or will be,  sent to  Certificateholders.  See the  Relief Letters.                                          10                                      EXHIBIT INDEX    Exhibit           Document - -------           --------  3(i)              Company's Certificate of Incorporation (Filed as an Exhibit to                   Registration Statement on Form S-3 (File No. 333-110343))*  3(ii)             Company's By-laws (Filed as an Exhibit to Registration                   Statement on Form S-3 (File No. 333-110343)*  4                 Pooling and Servicing Agreement (Filed as part of the                   Company's Current Report on Form 8-K filed on July 13, 2005)*  31                Rule 15d-14(a) Certification  99.1              Annual Statement of the Master Servicer  99.2              Annual Report of the Firm of Accountants  - ----------- *     Incorporated herein by reference.                                         11    EX-31 2 efc-0851_5842824ex31.txt                                       Exhibit 31                                    ----------                                     CERTIFICATION         I, Steve Bailey, certify that:        1. I have  reviewed  this annual  report on Form 10-K,  and all reports on       Form 8-K containing distribution and servicing reports filed in respect of       periods  included  in the year  covered by this annual  report,  of CWALT,       Inc., Alternative Loan Trust 2005-18CB;        2. Based on my knowledge,  the  information in these  reports,  taken as a       whole, does not contain any untrue statement of a material fact or omit to       state a material fact necessary to make the  statements  made, in light of       the circumstances under which such statements were made, not misleading as       of the last day of the period covered by this annual report;        3.  Based on my  knowledge,  the  distribution  or  servicing  information       required to be provided  to the trustee by the master  servicer  under the       pooling and  servicing,  or similar,  agreement,  for  inclusion  in these       reports is included in these reports;        4. I am responsible  for reviewing the activities  performed by the master       servicer under the pooling and servicing, or similar,  agreement and based       upon my knowledge and the annual  compliance  review  required  under that       agreement, and except as disclosed in the reports, the master servicer has       fulfilled its obligations under that agreement; and        5. The  reports  disclose  all  significant  deficiencies  relating to the       master servicer's  compliance with the minimum  servicing  standards based       upon the  report  provided  by an  independent  public  accountant,  after       conducting  a review in  compliance  with the Uniform  Single  Attestation       Program for  Mortgage  Bankers or similar  procedure,  as set forth in the       pooling and servicing,  or similar,  agreement,  that is included in these       reports.        In  giving  the   certifications   above,  I  have  reasonably  relied  on       information provided to me by the following unaffiliated parties: The Bank       of New York, as Trustee.         Date: March 27, 2006                                                 /s/ Steve Bailey                                               -----------------------------                                               Steve Bailey                                               Senior Managing Director     EX-99.1 3 efc-0851_5842824ex991.txt                                     Exhibit 99.1                                   ------------                         COUNTRYWIDE HOME LOANS SERVICING LP                                OFFICERS' CERTIFICATE                     ANNUAL STATEMENT OF THE MASTER SERVICER                                     CWALT, INC.                         ALTERNATIVE LOAN TRUST 2005-18CB               MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2005-18CB         The  undersigned  do  hereby  certify  that  they are each an  officer  of Countrywide GP, Inc.,  general partner of Countrywide Home Loans Servicing LP (a "Master  Servicer"),  and do hereby further certify  pursuant to Section 3.16 of the  Pooling  and  Servicing  Agreement  for  the  above-captioned  Series  (the  "Agreement") that:  (i) A review of the activities of the Master Servicer during the preceding calendar year and of the performance of the Master Servicer under the Agreement has been made under our supervision; and  (ii) To the best of our knowledge, based on such review, the Master Servicer has fulfilled all its obligations under the Agreement throughout such year.     /s/ Craig Baingo                                      Dated: March 27, 2006 - ----------------  CRAIG BAINGO EXECUTIVE VICE PRESIDENT    /s/ Kevin Meyers                                      Dated: March 27, 2006 - ----------------  KEVIN MEYERS MANAGING DIRECTOR, CHIEF FINANCIAL OFFICER, LOAN ADMINISTRATION        EX-99.2 4 efc-0851_5842824ex992.txt                                                                    Exhibit 99.2                                                                   ------------  [KPMG Logo]                       KPMG LLP                          Telephone 213 972 4000                      Suite 2000                        Fax       213 622 1217                      355 South Grand Avenue            Internet  www.us.kpmg.com                      Los Angeles, CA 90071-1568                         Independent Accountants' Report,                        --------------------------------  The Board of Directors Countrywide Financial Corporation:  We have examined management's assertion, included in the accompanying Management Assertion, that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") complied with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers (USAP) as of and for the year ended December 31, 2005. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.  Our examination was conducted 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 minimum servicing standards specified above 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 minimum servicing standards.  In our opinion, management's assertion that Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.                                         KPMG LLP  March 3, 2006             KPMG LLP, a U.S. limited liability partnersnip, is the U S.            member firm of KPMG International, a Swiss cooperative.                                                [LOGO]Countrywide(R)                                             --------------------                                                     HOME LOANS                                              2900 MADERA ROAD                                             SIMI VALLEY, CALIFORNIA 93065-6298                                              (805) 955-1000                               Management Assertion  March 3, 2005  As of and for the year ended December 31, 2005, Countrywide Financial Corporation and subsidiaries, including its wholly-owned subsidiary, Countrywide Home Loans, Inc. ("CHL"), and Countrywide Home Loans Servicing, L.P., a wholly-owned subsidiary of CHL, (collectively, the "Company") have complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation for Mortgage Bankers. As of and for this same period, the Company had in effect a mortgage bankers' (fidelity) bond in the amount of $200 million and an errors and omissions policy in the amount of $100 million and $130 million for the period January 1, 2005 to August 1, 2005 and for the period from August 1, 2005 to December 31, 2005, respectively.  /s/ Steve Bailey - ------------------------------------- Steve Bailey Senior Managing Director and Chief Executive Officer, Loan Administration    /s/ Kevin Meyers - ------------------------------------- Kevin Meyers Managing Director and Chief Financial Officer, Loan Administration     -----END PRIVACY-ENHANCED MESSAGE-----