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
SeniorVice President of
Residential Assets

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

/s/  Thomas Vickers
Thomas Vickers
Director and Servicing Controller


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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 fidelitybond 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


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c)

							[Wilshire logo]


			MANAGEMENT'S ASSERTION ON
	       	       MINIMUM SERVICING STANDARDS




As of and for the year ended December 31, 2005, Wilshire Credit Corporation
(the "Company") has complied, in all material respects, with the Company's
established minimum servicing standards for residential mortgage loans as
set forth in Appendix I (the "Standards"). The Standards are based on 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 in
the amount of $265,000,000 and an errors and omission policy in the amount
of $25,000,000.




/s/ Jay Memmott
Jay Memmott, President and Chief Executive Officer
Wilshire Credit Corporation
Feb 27, 2006




/s/ Russell Campbell
Russell Campbell, Chief Investment Officer
Wilshire Credit Corporation
Feb 27, 2006




/s/ Ken Frye
Ken Frye, Senior Vice President
Wilshire Credit Corporation
Feb 27, 2006




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							            APPENDIX I


MINIMUM SERVICING STANDARDS AS SET FORTH IN THE MORTGAGE BANKERS
ASSOCIATION OF AMERICA'S UNIFORM SINGLE ATTESTATION PROGRAM FOR
MORTGAGE BANKERS


I. CUSTODIAL BANK ACCOUNTS

    1.  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 after the cutoff date

	-  Be reviewed and approved by someone other than the person who prepared
           the reconciliation

	-  Document explanations for reconciling items. These reconciling items
           shall be resolved within ninety (90) calendar days of their original
           identification.

    2.	Funds of the servicing entity shall be advanced in cases where there is
        an overdraft in an investor's or a mortgagor's account.

    3.	Each custodial account shall be maintained at a federally insured
        depository institution in trust for the applicable investor.

    4.	Escrow funds held in trust for a mortgagor shall be returned to the
        mortgagor within thirty (30) calendar days of payoff of the mortgage
        loan.

II. MORTGAGE PAYMENTS

    1.	Mortgage payments shall be deposited into the custodial bank accounts
        and related bank clearing accounts within two business days of receipt.

    2.	Mortgage payments made in accordance with the mortgagor's loan documents
        shall be posted to the applicable mortgagor records within two business
        days of receipt.

    3.	Mortgage payments shall be allocated to principal, interest, insurance,
        taxes or other escrow items in accordance with the mortgagor's loan
        documents.

    4.	Mortgage payments identified as loan payoffs shall be allocated in
        accordance with the mortgagor's loan documents.

III. DISBURSEMENTS

    1.	Disbursements made via wire transfer on behalf of a mortgagor or investor
        shall be made only by authorized personnel.

    2.	Disbursements made on behalf of a mortgagor or investor shall be posted
        within two business days to the mortgagor's or investor's records
        maintained by the servicing entity.

    3.	Tax and insurance payments shall be made on or before the penalty or
        insurance policy expiration dates, as indicated on tax bills and
        insurance premium notices, respectively, provided that such support has
        been received by the servicing entity at least thirty (30) calendar
        days prior to these dates.

    4.	Any late payment penalties paid in conjunction with the payment of any
        tax bill or insurance premium notice shall be paid from the servicing
        entity's funds and not charged to the mortgagor, unless the late
        payment was due to the mortgagor's error or omission.

    5.	Amounts remitted to investors per the servicer's investor reports shall
        agree with cancelled checks, or other form of payment, or custodial
        bank statements.

    6.	Unused checks shall be safeguarded so as to prevent unauthorized access.

IV. INVESTOR ACCOUNTING AND REPORTING

    1.	The servicing entity's investor reports shall agree with, or reconcile
        to, investors' records on a monthly basis as to the total unpaid
        principal balance and number of loans serviced by the servicing entity.

V. MORTGAGOR LOAN ACCOUNTING

    1.	The servicing entity's mortgage loan records shall agree with, or
        reconcile to, the records of mortgagors with respect to the unpaid
        principal balance on a monthly basis.

    2.	Adjustments on ARM loans shall be computed based on the related
        mortgage note and any ARM rider.

    3.	Escrow accounts shall be analyzed, in accordance with the mortgagor's
        loan documents, on at least an annual basis.

    4.	Interest on escrow accounts shall be paid, or credited, to mortgagors
        in accordance with the applicable state laws.

VI. DELINQUENCIES

    1.	Records documenting collection efforts shall be maintained during the
        period a loan is in default and shall be updated at least monthly. Such
        records shall describe the entity's activities in monitoring delinquent
        loans including, for example, phone calls, letters and mortgage payment
        rescheduling plans in cases where the delinquency is deemed temporary
        (e.g., illness or unemployment).

VII. INSURANCE POLICIES

    1.	A fidelity bond and errors and omissions policy shall be in effect on
        the servicing entity throughout the reporting period in the amount of
        coverage represented to investors in management's assertion.