HOME MORTGAGE PURCHASE PROGRAM
         PURSUANT TO THE POOLING AND SERVICING AGREEMENT



PROGRAM NAME:       Encore Credit Receivables Trust 2005-4
                    Asset-Backed Notes, Series - 2005-4

In accordance with the above referenced Agreement, I, the undersigned, hereby
certify as to each Mortgage Loan being serviced by the named institution that
as of the preceding certification date, and in reliance on certifications by
the underlying Sub-Servicers:

     1.  I am an "Officer" as defined in the above referenced Agreement, and
         am empowered and authorized to issue this Annual Certification.

     2.  All taxes, ground rents and assessments for the Mortgages covered
         herein have been paid.

     3.  All insurance premiums far flood or other casualty insurance; and
         FHA premiums or Private Mortgage Insurance premiums on conventional
         loans have been paid, and all policies as required by the Agreement
         are in full force. Servicer is in full compliance with the Private
         Mortgage Insurance automatic termination provisions of the
         Homeowners Protection Act of 1993, the American Homeownership and
         Economic Opportunity Art of 2000, and Fannie Mae servicing
         guidelines where applicable.

     4.  Inspections have been made monthly do all delinquent, foreclosed or
         otherwise vacant properties, and any other property the Servicer has
         reason to believe requires an inspection.

     5.  Analysis has been made to ensure sufficient moneys are being
         collected in escrow for the current year.

     6.  All information returns have been provided to the Internal Revenue
         Service as required on activity relating to the relevant Mortgage
         Loans.

     7.  If Servicer originates mortgage loans for delivery to investor under
         the referenced Agreement or services mortgage loans under the
         referenced Agreement that are registered with MERS, the
         Servicer has remained a member of MERS in good standing during
         this Annual Certification period.

     8.  There is no outstanding or threatened litigation regarding predatory
         lending practices pertaining to any loans serviced under this
         Program.

I further certify:
     A.  To the best of my knowledge and upon reasonable investigation, the
         servicing of the Mortgage Loans during the year preceding the last
         certification date of the Agreement has been conducted in
         compliance with the Agreement except for such exceptions as I am
         setting forth below.

EXCEPTIONS (if any):
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     B.  A review of activities with respect to performances under the
         Agreement during the year preceding the last certification date of
         the Agreement has been made under my supervision and to the best of
         my knowledge, based on such review, no default exists as of the
         above date in the fulfillment of any obligations under the Agreement
         other than the events of default, if any, which I am listing below
         with the nature arid status thereof.

EXCEPTIONS (if any):
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NAME OF SERVICING INSTITUTION:    CitiMortgage Inc.
NAME OF AUTHORIZED OFFICER:       Tommy R. Harris
SIGNATURE OF SAME OFFICER:        /s/Tommy R. Harris
TITLE OF SAME OFFICER:            Sr. Vice President, Manger of
                                  Master Servicing
DATE OF SIGNATURE:                March 29, 2006
CERTIFICATION COVERS PERIOD       January 1, 2005 to December 31, 2005