Exhibit 99.2  -  Report of Management as to compliance with minimum
		 servicing standards for the year ended December 31, 2005

A)

	    	                      [OCWEN logo]

	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 standards 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



B)

[SELECT
PORTFOLIO
SERVICING, inc. logo]




Management's Assertion on Compliance with the Specified Minimum Servicing
Standards set forth in the Mortgage Bankers Association of America's Uniform
Single Attestation Program for Mortgage Bankers (USAP)


				Report of Management


We as members of management of Select Portfolio Servicing, Inc. and
Subsidiaries (the "Company"), an indirect subsidiary of Credit Suisse
(USA), Inc. are responsible for complying with the specified minimum
servicing standards as set forth in the Mortgage Bankers Association
of America's Uniform Single Attestation Program for Mortgage Bankers (USAP).
We are also responsible for establishing and maintaining effective internal
control over compliance with these specified minimum servicing standards.
We have performed an evaluation of the Company's compliance with the specified
minimum servicing standards as of and for the year ended December 31, 2005.
Based on this evaluation, we assert that as of and for the year ended
December 31, 2005, the Company complied, in all material respects, with the
specified minimum servicing standards. As of and for the year ended
December 31, 2005, the Company had in effect fidelity bond coverage in the
amount of $25,000,000 and an errors and omissions policy in the amount
of $10,000,000.


Very truly yours,


Select Portfolio Servicing, Inc. and Subsidiaries, an indirect subsidiary of
Credit Suisse (USA) Inc.





/s/ Matthew L. Hollingsworth                    /s/ Bryan M. Marshall
Matthew L. Hollingsworth	                   Bryan M. Marshall
Chief Executive Officer	                   Chief Financial Officer



/s/ Timothy J. O'Brien
Timothy J. O'Brien
Executive Vice President of Servicing
Operations


February 28, 2006

C)

Wells Fargo Home Mortgage [logo]  		          1 Home Campus
					          Des Moines, IA 50328



          Assertion of Management of Wells Fargo Home Mortgage,
                   a division of Wells Fargo Bank, N.A.



As of and for the year ended December 31, 2005, Wells Fargo Home Mortgage,
a division of Wells Fargo Bank, N.A. (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.

As of and for this same period, the Company had in effect a fidelity bond along
with an errors and omissions policy in the amounts of $100 million and
$20 million, respectively.




/s/ Michael J. Heid                                           February 21,2006
Michael J. Heid, Division President, Capital Markets, Finance, & Administration
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Franklin R. Codel 			February 21,2006
Franklin R. Codel, Executive Vice President, Finance and Corporate Real Estate
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.


/s/ Mary Coffin         			February 21,2006
Mary Coffin, Executive Vice President, Servicing & Post Closing
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, NA.


/s/ Cara K. Heiden         		February 21,2006
Cara K. Heiden, Division President, Nat'l Consumer & Institutional Lending
Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A.