PricewaterhouseCoopers LLP
222 Lakeview Avenue
Suite 360
West Palm Beach FL 33401
Telephone (561) 832 0038
Facsimile (561) 805 8181


             Report of Independent Certified Public Accountants


To the Board of Directors of                            RECEIVED MAR 0 7 2006
Ocwen Loan Servicing, LLC

We have examined management's assertion that Ocwen Loan Servicing, LLC
("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), has complied
with the minimum servicing standards identified in the Mortgage Bankers
Association of America's ("MBA's") Uniform Single Attestation Program for
Mortgage Bankers ("USAF") as of and for the year ended December 31, 2005
included in the accompanying Management Assertion on Compliance with USAF.
Management is responsible for OLS's compliance with those minimum servicing
standards. Our responsibility is to express an opinion on management's
assertion about OLS's compliance based on our examination.

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 OLS's compliance with the
minimum servicing standards 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 OLS's compliance with the minimum servicing
standards.

Our examination disclosed noncompliance with minimum servicing standards
related to custodial account reconciliations and adjustments on adjustable
rate mortgages applicable to OLS during the year ended December 31, 2005
which is described in the accompanying Management Assertion on Compliance
with USAF.

In our opinion, management's assertion that OLS complied with the
aforementioned minimum servicing standards, except for noncompliance as
described in the accompanying Management Assertion on Compliance with USAF,
as of and for the year ended December 31, 2005 is fairly stated, in all
material respects.


/s/ PricewaterhouseCoopers LLP
PricewaterhouseCoopers LLP

February 27, 2006











O C W E N

               MANAGEMENT ASSERTION ON COMPLIANCE WITH USAP

February 27, 2006

As of and for the year ended December 31, 2005, Ocwen Loan Servicing, LLC
("OLS"), as successor to Ocwen Federal Bank FSB (the "Bank"), except as
specifically noted below, has complied in all material respects with the
minimum servicing strndards set forth in the Mortgage Bankers Association of
America's ("MBA's") Uniform Single Attestation Program for Mortgage Bankers
("USAP")

    -Standard: Reconciliations shall be prepared on a monthly basis for all
     custodial bank accounts and related bank clearing accounts. These
     reconciliations shall be mathematically accurate, be prepared within
     forty five (45) calendar days of the cutoff date; be reviewed and
     approved by someone other than the person who prepared the
     reconciliation; and document explanations for reconciling items. These
     reconciling items shall be resolved within ninety (90) calendar days of
     their original identification.

We have complied with all aspects of this standard with the exception of
certain reconciling items which arose during the year ended December 31, 2005
were not cleared within 90 days of their original identification. All items
identified were subsequently cleared within 6 months. As of December 31,
2005, there was exactly 1 reconciling item totaling $431.07 that had not
cleared within 90 days of identification. Standard: Adjustments on ARM loans
shall be computed based on the related mortgage note and any ARM rider.
Certain ARM loans serviced by OLS were transferred in with an incorrect look
back date due to errors in prior servicer records. These certain loans had
ARM adjustments shortly after servicing transfer, but prior to OLS receiving
the related mortgage documents from the prior servicer. When OLS received the
mortgage documents and these errors were identified, OLS did not adjust the
principal and interest payment amount. OLS has subsequently made adjustments
to their procedures when they identify an error in prior servicer data to
analyze the affect on the customer's account and make the appropriate
adjustment.


As of and for this same period, OLS had in effect a fidelity bond in the
amount of $20,000,000 and an errors and omissions policy in the amount of
$5,000,000.


/s/ Ronald M. Faris
Ronald M. Faris
President


/s/ Scott W. Anderson
Scott W. Anderson
Senior Vice President of Residential Assets


/s/ Brian J. LaForest
Brian J. LaForest
Director of Investor Reporting


/s/ Thomas Vickers
Thomas Vickers
Director and Servicing Controller