Document:

Reconstitution Agreement

Execution Copy

RECONSTITUTION AGREEMENT

This Reconstitution Agreement (this “Agreement”) dated as of October 1, 2005, is by and between Greenwich Capital Financial Products, Inc. (“GCFP”) and Downey Savings and Loan Association, F.A., as servicer (the “Servicer” or “Downey”) and acknowledged by Wells Fargo Bank, N.A., as master servicer (the “Master Servicer”) and Deutsche Bank National Trust Company, as trustee (the “Trustee”).

RECITALS

WHEREAS, GCFP has conveyed certain mortgage loans listed on Exhibit Two hereto (the “Mortgage Loans”) to Greenwich Capital Acceptance, Inc. (“GCA”), which in turn has conveyed the Mortgage Loans to the Trustee pursuant to a pooling and servicing agreement dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), among GCFP, GCA, the Master Servicer, in its capacity as such and as Securities Administrator, and the Trustee, in its capacity as such and as Custodian;

WHEREAS, the Mortgage Loans are currently being serviced by Downey for GCFP pursuant to a Master Mortgage Loan Purchase and Servicing Agreement, dated as of March 1, 2004, as amended by that certain Amendment Number One, dated as of July 1, 2004, and as amended by that certain Amendment Number Two, dated as of July 27, 2004, and as amended by that certain Amendment Number Three, dated as of September 23, 2005, (the “Purchase Agreement”), between GCFP and Downey, a copy of which is annexed hereto as Exhibit Three;

WHEREAS, GCFP desires that Downey continue to service the Mortgage Loans and Downey has agreed to do so, subject to the rights of GCFP and the Trustee to terminate the rights and obligations of Downey hereunder as set forth herein and to the other conditions set forth herein;

WHEREAS, Section 24 of the Purchase Agreement provides that, subject to certain conditions set forth therein, GCFP may assign the Purchase Agreement to any person to whom any “Mortgage Loan” (as such term is defined in the Purchase Agreement) is transferred pursuant to a sale or financing.  Without limiting the foregoing, Downey has agreed, in Section 12 and Section 30 of the Purchase Agreement, to enter into additional documents, instruments or agreements as may be reasonably necessary in connection with any “Pass-Through Transfer” (as such term is defined in the Purchase Agreement) contemplated by GCFP pursuant to the Purchase Agreement;

WHEREAS, Downey and GCFP agree that this Agreement shall constitute a “Reconstitution Agreement” (as such term is defined in the Purchase Agreement) in connection with a Pass-Through Transfer that shall govern the Mortgage Loans for so long as such Mortgage Loans remain subject to the provisions of the Pooling and Servicing Agreement;

WHEREAS, pursuant to this Agreement, the Master Servicer, and any successor master servicer, shall be obligated, among other things, to supervise the servicing of the Mortgage Loans on behalf of the Trustee and the Trust Fund, and shall have the right to terminate the rights and obligations of Downey under this Agreement upon the occurrence of an Event of Default (as defined by this Agreement);

NOW, THEREFORE, in consideration of the mutual promises contained herein the parties hereto agree as follows:

Definitions

Capitalized terms used herein and not defined in this Agreement (including Exhibit One hereto) or in the Purchase Agreement shall have the meanings ascribed to them in the Pooling and Servicing Agreement.

Servicing

Downey agrees, with respect to the servicing of the Mortgage Loans, to perform and observe the duties, responsibilities and obligations that are to be performed and observed by the Servicer under the provisions of the Purchase Agreement, except as otherwise provided herein and on Exhibit One hereto, and that the provisions of the Purchase Agreement, as so modified, are and shall be a part of this Agreement to the same extent as if set forth herein in full.

Trust Cut-off Date

The parties hereto acknowledge that by operation of Section 11.14 of the Servicing Addendum to the Purchase Agreement (as modified by this Agreement) the remittance on July 18, 2005, to be made to the Trust Fund is to include all principal collections due after October 1, 2005 (the “Trust Cut-off Date”), plus interest thereon at the weighted average Mortgage Interest Rate collected during the immediately preceding Due Period, but exclusive of any portion thereof allocable to a period prior to the Trust Cut-off Date, and taking into account the adjustments specified in the first paragraph of Section 11.14 of the Servicing Addendum.

Servicing Fee

The Servicing Fee Rate for the Mortgage Loans shall be equal to 0.250% per annum prior to the first Adjustment Date, and thereafter 0.375% per annum (the “Servicing Fee Rate”).  The Servicing Fee shall be payable monthly from the interest portion (including recoveries with respect to interest from Liquidation Proceeds and other proceeds, to the extent permitted by Section 11.05 of the Servicing Addendum to the Purchase Agreement) of the related Monthly Payment collected by the Servicer.

Master Servicing; Termination of Servicer

1.

Downey, including any successor servicer hereunder, shall be subject to the supervision of the Master Servicer, which Master Servicer shall be obligated to enforce Downey’s obligation to service the Mortgage Loans in accordance with the provisions of this Agreement.  The Master Servicer, acting on behalf of the Trustee and the Trust Fund, shall have the same rights (but not the obligations) as the Owner to enforce the obligations of Downey under the Purchase Agreement and unless otherwise specified in Exhibit A to this Agreement, references to the “Initial Purchaser” in the Purchase Agreement shall be deemed to refer to the Master Servicer (including the Trustee and the Trust Fund on whose behalf the Master Servicer is acting); provided, however, that any obligation of the Owner to pay or reimburse Downey shall be satisfied from funds available in the Custodial Account or the Trust Fund.  The Master Servicer shall be entitled to terminate the rights and obligations of Downey under this Agreement upon the occurrence of an Event of Default under Section 14.01 of the Purchase Agreement (as modified by this Agreement).  Notwithstanding anything herein to the contrary, in no event shall the Master Servicer or the Trustee be required to assume any of the obligations of the Owner under the Purchase Agreement and, in connection with the performance of the Master Servicer’s duties hereunder, the parties and other signatories hereto agree that the Master Servicer shall be entitled to all the rights, protections and limitations of liability afforded to the Master Servicer under the Pooling and Servicing Agreement.

Warranties

GCFP and Downey mutually warrant and represent that, with respect to the Mortgage Loans, the Purchase Agreement is in full force and effect as of the date hereof and has not been amended or modified in any way with respect to the Mortgage Loans and no notice of termination has been given thereunder.

Representations

Pursuant to Section 12 of the Purchase Agreement, Downey hereby represents and warrants, for the benefit of GCFP, GCA, the Trustee and the Trust Fund (including the Trustee and the Master Servicer acting on the Trust Fund’s behalf), that (i) the representations and warranties set forth in Section 7.01 of the Purchase Agreement are true and correct as of October 31, 2005 as if such representations and warranties were made on such date and (ii) the representations and warranties set forth in Section 7.02 of the Purchase Agreement were true and correct as of the Closing Date (as defined in the Purchase Agreement).  

In addition, Downey hereby represents and warrants, for the benefit of GCFP, GCA, the Trustee and the Trust Fund (including the Trustee and the Master Servicer acting on the Trust Fund’s behalf) as of the Closing Date (as defined in the Purchase Agreement) that with respect to any Mortgage Loan originated on or after August 1, 2004, neither the related Mortgage nor the related Mortgage Note requires the borrower to submit to arbitration to resolve any dispute arising out of or relating in any way to the Mortgage Loan transaction.

Downey hereby acknowledges and agrees that the remedies available to GCFP, GCA and the Trust Fund (including the Trustee and the Master Servicer acting on the Trust Fund’s behalf) in connection with any breach of the representations and warranties made by Downey set forth above that materially and adversely affects the value of that Mortgage Loan and the interests of the Certificateholders in such Mortgage Loan shall be as set forth in Section 7.03 of the Purchase Agreement as if they were set forth herein (including without limitation the repurchase and indemnity obligations set forth therein); provided, that any breach of the representations and warranties made by Downey set forth above with respect to any Mortgage Loan and the representations and warranties set forth in Section 7.02(xl), (xliii), (xlvi), (lvi), (lviii) and (lxviii) of the Purchase Agreement, or the representations and warranties set forth in the immediately preceding paragraph of this Agreement, shall be deemed to materially adversely affect the interests of the Certificateholders of the Trust and shall require a repurchase (or substitution) of such Mortgage Loan.  Such enforcement of a right or remedy by the Trustee shall have the same force and effect as if the right or remedy had been enforced or exercised by GCFP directly.

Assignment

Downey hereby acknowledges that the rights of GCFP under the Purchase Agreement as amended by this Agreement will be assigned to GCA under a Mortgage Loan Purchase Agreement and by GCA to the Trust Fund under the Pooling and Servicing Agreement and agrees that the Mortgage Loan Purchase Agreement and the Pooling and Servicing Agreement will each be a valid assignment and assumption agreement or other assignment document and will constitute a valid assignment and assumption of the rights of GCFP under the Purchase Agreement to and by GCA and to the Trustee, on behalf of the Trust Fund, as applicable.  In addition, the Trust Fund will make a REMIC election.  Downey hereby consents to such assignment and assumption and acknowledges the Trust Fund’s REMIC election.  

Notices

1. 

All written information required to be delivered to the Master Servicer hereunder shall be delivered to the Master Servicer at the following address:

Wells Fargo Bank, N.A.

P.O. Box 98

Columbia, Maryland 21046

Attention:  Corporate Trust Group, HarborView 2005-14

(or in the case of overnight deliveries, 

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone:  (410) 884-2000

Facsimile:   (410) 715-2380

2.

All remittances required to be made to the Master Servicer under this Agreement shall be on a scheduled/scheduled basis and made to the following wire account:

Wells Fargo Bank, N.A.

ABA#:  121-000-248

Account Name:  SAS CLEARING

Account Number:  3970771416

For further credit to:  HarborView 2005-14, Account # 17200200

3.

All written information required to be delivered to the Trustee hereunder shall be delivered to the Trustee at the following address:

Deutsche Bank National Trust Company

1761 East St. Andrew Place

Santa Ana, California 92705

Attention: HarborView 2005-14 (GC0514)

Telephone:  (714) 247-6000

Facsimile:   (714) 247-6329

4.

All written information required to be delivered to GCFP under the Purchase Agreement and under this Agreement shall be delivered to GCFP at the following address:

Greenwich Capital Financial Products, Inc.

600 Steamboat Road

Greenwich, Connecticut 06830

Attention: Legal Department (HarborView 2005-14)

Telephone:  (203) 625-6072

Facsimile:   (203) 618-2163

Governing Law

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

Counterparts

This Agreement may be executed in any number of counterparts, each of which when so executed shall be deemed to be an original, but all of which counterparts shall together constitute but one and the same instrument.

Reconstitution

Downey and GCFP agree that this Agreement is a Reconstitution Agreement executed in connection with a Pass-Through Transfer and that the date hereof is the Reconstitution Date.

Intended Third Party Beneficiaries

Notwithstanding any provision herein to the contrary, the parties to this Agreement agree that it is appropriate, in furtherance of the intent of such parties as set forth herein, that the Trustee and the Master Servicer receive the benefit of the provisions of this Agreement as intended third party beneficiaries of this Agreement to the extent of such provisions.  Downey shall have the same obligations to the Trustee and the Master Servicer as if the Trustee and the Master Servicer were each a party to this Agreement, and the Trustee and the Master Servicer shall have the same rights and remedies to enforce the provisions of this Agreement as if each were a party to this Agreement.  Notwithstanding the foregoing, all rights and obligations of the Trustee and the Master Servicer hereunder (other than the right to indemnification) shall terminate upon termination of the Trust Fund pursuant to the Pooling and Servicing Agreement.

Executed as of the day and year first above written.

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

By: /S/ Shakti Radhakishun

Name: Shakti Radhakishun

Title: Senior Vice President

DOWNEY SAVINGS AND LOAN ASSOCIATION, F.A.

as Servicer

By:  /s/ Cliff Piscitelli

Name: Cliff Piscitelli

Title: Senior Vice President

Acknowledged By

WELLS FARGO BANK, N.A., 

as Master Servicer

By: /S/ Graham Oglesby

Name:  Graham Oglesby

Title:   Assistant Vice President

DEUTSCHE BANK NATIONAL TRUST COMPANY,

not in its individual capacity, but solely as Trustee

under the Pooling and Servicing Agreement

By: /s/ Marion Hogan

Name: Marion Hogan

Title: Associate

By:  /s/ Brent Hoyler

Name: Brent Hoyler

Title: Associate

EXHIBIT ONE

Modifications to the Purchase Agreement with respect to the Mortgage Loans only:

1.

The definition of “Business Day” in Section 1 is hereby amended in its entirety to read as follows:

Business Day:  Any day other than a Saturday or Sunday, or a day on which banks and savings and loan institutions in the State of Maryland, the State of Illinois, the State of Colorado, the State of Minnesota, the State of Iowa, the State of California or the State of New York are authorized or obligated by law or executive order to be closed.

2.

The definition of “Mortgage Interest Rate” in Section 1 is hereby amended by adding the phrase “net of any Relief Act Reduction” to the end of such definition.

3.

The definition of “Opinion of Counsel” in Section 1 is hereby amended in its entirety to read as follows:

Opinion of Counsel:  A written opinion of counsel, who may be an employee of Downey, that is reasonably acceptable to the Master Servicer provided that any Opinion of Counsel relating to (a) qualification of the Mortgage Loans in a REMIC or (b) compliance with the REMIC Provisions, must be an opinion of counsel reasonably acceptable to the Master Servicer and GCFP, who (i) is in fact independent of Downey, (ii) does not have any material direct or indirect financial interest in Downey or in any affiliate of Downey and (iii) is not connected with Downey as an officer, employee, director or person performing similar functions.

4.

A new definition of “Rating Agency” is hereby added to Section 1 immediately following the definition of “Rate/Term Refinancing” to read as follows:

Rating Agency:  Any nationally recognized statistical rating agency rating the securities issued in a mortgage securitization as a result of a Pass-Through Transfer.

5.

A new definition of “Relief Act Reduction” is hereby added to Section 1 immediately following the definition of “Refinance Mortgage Loan” to read as follows:

Relief Act Reduction:  With respect to any Mortgage Loan as to which there has been a reduction in the amount of the interest collectible thereon as a result of the application of the Servicemembers Civil Relief Act, or any similar state law, any amount by which interest collectible on such Mortgage Loan for the Due Date in the related Due Period is less than the interest accrued thereon for the applicable one-month period at the Mortgage Interest Rate without giving effect to such reduction.

6.

A new definition of “Remittance Date” is added in Section 1 immediately after the definition of “REMIC provisions” to read as follows:

Remittance Date:  The 18th calendar day of any month or, if such 18th day is not a Business Day, the Business Day immediately preceding such 18th day.

7.

A new definition of “Sarbanes Certifying Parties” is added to Section 1 immediately before the definition of “Servicing Addendum” to read as follows:

Sarbanes Certifying Parties:  The Depositor and the Master Servicer.

8.

Section 7.03 (Remedies for Breach of Representations and Warranties) is hereby amended as follows:

(i)

by adding the words “(from its own funds)” to the first sentence of the sixth paragraph after the word “indemnify;”

(ii)

by replacing the words “the Initial Purchaser and any subsequent Purchaser and hold each Purchaser” at the beginning of the second line of the sixth paragraph with “GCFP, the Depositor, the Trustee, the Master Servicer and the Trust Fund and hold each of them;”

(iii)

by replacing each of the references to “the Initial Purchaser and any subsequent Purchaser” in the last sentence of the sixth paragraph with “GCFP, the Depositor, the Trustee, the Master Servicer and the Trust Fund;” and

(iv)

by replacing each of the references to “the Purchaser” in the seventh paragraph of Section 7.03 with “GCFP, the Depositor, the Master Servicer or the Trustee.”

9.

Section 11.01 of the Servicing Addendum (Seller to Act as Servicer) is hereby amended as follows:

(i)

by adding the following proviso at the end of the first paragraph to read as follows:

provided, however, that the Servicer shall not knowingly or intentionally take any action, or fail to take (or fail to cause to be taken) any action reasonably within its control and the scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not taken, as the case may be, would cause any REMIC created under the Pooling and Servicing Agreement to fail to qualify as a REMIC or result in the imposition of a tax upon the Trust (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) unless the Servicer has received an Opinion of Counsel (but not at the expense of the Servicer) to the effect that the contemplated action will not cause any REMIC created under the Pooling and Servicing Agreement to fail to qualify as a REMIC or result in the imposition of a tax upon any such REMIC created thereunder.  

(ii)

by adding the following additional proviso at the end of the first sentence of the second paragraph to read as follows:

; provided, further, no such modification shall be permitted unless the Servicer shall have provided to the Master Servicer an Opinion of Counsel in writing to the effect that such modification, waiver or amendment would not cause an Adverse REMIC Event (as defined in the Pooling and Servicing Agreement).  The costs of obtaining such Opinion of Counsel shall be a reimbursable expense to the Servicer to be withdrawn from the Custodial Account pursuant to Section 11.05 of the Servicing Addendum.  Promptly after the execution of any modification of any Mortgage Loan, the Servicer shall deliver to the Master Servicer the originals of any documents evidencing such modification.

10.

Section 11.03 of the Servicing Addendum (Realization Upon Defaulted Mortgage Loans) is hereby amended by deleting the following proviso, “provided that prior to commencing foreclosure proceedings.” in the fifth sentence of the first paragraph.

11.

Section 11.04 of the Servicing Addendum (Establishment of Custodial Accounts; Deposits in Custodial Accounts) is hereby amended by adding the words “, entitled “ in trust for the Holders of Harborview Mortgage Loan Trust 2005-14, Mortgage Loan Pass-Through Certificates, Series 2005-14” at the end of the first sentence of the first paragraph.

12.

Section 11.05 of the Servicing Addendum (Permitted Withdrawals From the Custodial Account) is hereby amended by adding a new subclause (ix) to read as follows:

(ix)  to reimburse itself for unreimbursed Servicing Advances to the extent that such amounts are nonrecoverable by the Servicer pursuant to subclause (iii) above;

13.

Section 11.06 of the Servicing Addendum (Establishment of Escrow Accounts; Deposits in Escrow Accounts) is hereby amended by adding the words “, entitled “in trust for the Holders of Harborview Mortgage Loan Trust 2005-14, Mortgage Loan Pass-Through Certificates, Series 2005-14 and various mortgagors””  at the end of the first sentence of the first paragraph.

14.

Section 11.14 of the Servicing Addendum (Distributions) is hereby amended by deleting the words “the second Business Day following” in the first sentence of the third paragraph and by deleting the words “second Business Day and ending with the” in the second sentence of the third paragraph.

15.

Section 11.15 of the Servicing Addendum (Remittance Reports) is hereby amended in its entirety to read as follows following:

Section 11.15

Statements to Master Servicer.

Not later than the tenth calendar day of each month (or if such calendar day is not a Business Day, the immediately succeeding Business Day), the Servicer shall furnish to the Master Servicer, including but not limited to (i) a monthly remittance advice in written or electronic format (or in such other format mutually agreed to between the Servicer and the Master Servicer) relating to the period ending on the last day of the preceding calendar month in the form of Exhibit Twelve (excluding the borrower’s name) or in such form mutually agreed to in writing between the Servicer and the Master Servicer and (ii) all such information required pursuant to clause (i) above on a magnetic tape or other similar media reasonably acceptable to the Master Servicer.  In addition, no later than the close of business New York time on the tenth Business Day prior to such Distribution Date, the Servicer shall deliver or cause to be delivered to the Master Servicer in addition to the information provided in Exhibit Twelve (excluding the borrower’s name), such other loan-level information reasonably available to it with respect to the Mortgage Loans as the Master Servicer may reasonably require to perform the calculations necessary to make the distributions contemplated by Section 5.01 of the Pooling and Servicing Agreement.  Upon request by the Master Servicer, the Servicer shall provide or cause to be provided to the Master Servicer any additional information, including the borrower’s name.

16.

Section 11.25 of the Servicing Addendum (Independent Public Accountants’ Servicing Report) is hereby amended as follows:

(i)

by replacing the references to “Purchaser” with “Sarbanes Certifying Parties”

(ii)

by replacing “Not later than 90 days following the end of each fiscal year of” with “On or before February 28 of each year, beginning with February 28, 2006”

(iii)

by adding the following new paragraph after the first paragraph to read as follows:

Any Annual Independent Public Accountant's Report furnished pursuant to this Section 11.25 shall be in such form as shall permit such report to be filed with the Securities and Exchange Commission as part of the Depositor’s annual report on Form 10-K filed pursuant to the Securities Exchange Act of 1934, as amended, and no such Annual Independent Public Accountant's Report shall contain any language restricting, limiting or prohibiting such use of such report.

17.

Section 11.26 of the Servicing Addendum  (Annual Statement as to Compliance) is hereby amended 

(i)

By amending in its entirety subclause (a) to read as follows:

(a) The Seller will deliver to any Sarbanes Certifying Party on or before February 28 of each year, beginning with February 28, 2006 an Officer’s Certificate (the “Annual Statement of Compliance”) stating that (i) a review of the activities of the Seller during the preceding calendar year and of performance under this Agreement has been made under such officer’s supervision, (ii) the Seller has fully complied with the servicing provisions of this Agreement and (iii) to the best of such officers’ knowledge, based on such review, the Seller has fulfilled all of its obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof.

(ii)

by replacing the references to the “Initial Purchaser” in subsection (b) with “the Trust Fund, the Trustee, the Master Servicer and the Depositor.”  

18.

Section 13.01 (Additional Indemnification by the Seller) is hereby amended:

(i)

 by replacing the reference to “the Initial Purchaser and any subsequent Purchaser” with “the Trust Fund, the Trustee, the Master Servicer and the Depositor.”  

(ii)

by replacing the reference to “the Initial Purchaser or any subsequent Purchaser” with “the Trust Fund, the Trustee, the Master Servicer, the Depositor and each successor in interest.”  

(iii)

by replacing the reference to “each Purchaser” with “the Trust Fund, the Trustee, the Master Servicer and the Depositor.”  

19.

Section 14.01 (Events of Default) is hereby amended as follows:

(i)

by adding the words “subject to clause (ix) of this Section 14.01,” at the beginning of clause (ii); and 

(ii)

by adding the words “within the applicable cure period” after the word “remedied” in the second line after clause (ix) 

20.

Section 16 (Successor to the Seller) is hereby amended as follows:

(i)

by replacing the words “Prior to” with “Upon” at the beginning of the first sentence of the first paragraph;

(ii)

by replacing the reference to “Sections 12, 14 or 15” with “Sections 14 or 15” in the second line of the first paragraph;

(iii)

by adding the following new sentence immediately after the first sentence of the first paragraph to read as follows:

Any successor to the Servicer shall be a FHLMC- or FNMA-approved servicer and shall be subject to the approval of each Rating Agency, as evidenced by a letter from each such Rating Agency delivered to the Master Servicer that the transfer of servicing will not result in a qualification, withdrawal or downgrade of the then-current rating of any of the Certificates.

(iv)

by adding the following proviso at the end of the second sentence of the first paragraph immediately before the period to read as follows:

; provided, however, that no such compensation shall be in excess of that permitted the Company under this Agreement.

(v)

by adding the following new paragraph as the fourth paragraph to read as follows:

Except as otherwise provided in this Section 16, all reasonable costs and expenses incurred in connection with any transfer of servicing hereunder (as a result of termination for cause under Section 14.01 or resignation of the Servicer), including, without limitation, the costs and expenses of the Master Servicer or any other Person in appointing a successor servicer, or of the Master Servicer in assuming the responsibilities of the Servicer hereunder, or of transferring the Servicing Files and the other necessary data, including the completion, correction or manipulation of such servicing data as may be required to correct any errors or insufficiencies in the servicing data, to the successor servicer shall be paid by the terminated or resigning Servicer from its own funds without reimbursement.

21.

Section 24 (Successors and Assigns) is hereby amended as follows:

(i)

by replacing the last sentence with “This Agreement shall not be assigned, pledged or hypothecated by the Company to a third party without the prior written consent of GCFP, the Master Servicer and each Rating Agency, which consent shall not be unreasonably withheld” at the end of the paragraph.

22.

A new Section 32 (Amendment) is hereby added to the Purchase Agreement to read as follows:

This Agreement may be amended only by written agreement signed by the Company, GCFP and the Master Servicer.  The party requesting such amendment shall, at its own expense, provide the Master Servicer with an Opinion of Counsel that (i) such amendment is permitted under the terms of this Agreement, (ii) the Company has complied with all applicable requirements of this Agreement, and (iii) such Amendment will not materially adversely affect the interest of the Certificateholders in the Mortgage Loans.

23.

Exhibits Four-A through Four-D attached hereto are hereby added as Exhibit 12 to the Purchase Agreement.

24.

Exhibit 1 of the Purchase Agreement is hereby amended in its entirety as follows:

EXHIBIT 1

FORM OF ANNUAL CERTIFICATION

I, ______________________, Senior Vice President of Downey Savings and Loan Association, F.A. (the "Servicer"), certify to __________________, and its officers, directors, agents and affiliates (the "Sarbanes Certifying Party"), and with the knowledge and intent that they will rely upon this certification, that:

(i)

Based on my knowledge, the information in the Annual Statement of Compliance, the Annual Independent Public Accountant’s Servicing Report and all other information relating to the Mortgage Loans and the servicing thereof submitted by the Servicer to the Sarbanes Certifying Party which is used in connection with preparation of the reports on Form 8-K and the annual report on Form 10-K filed with the Securities and Exchange Commission with respect to the Securitization, 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 date of this certification;

(ii)

Based on my knowledge, the servicing information required to be provided to the Sarbanes Certifying Party by the Servicer under the Purchase Agreement has been provided to the Sarbanes Certifying Party;

(iii) 

I am responsible for reviewing the activities performed by the Servicer under the Purchase Agreement and based upon my knowledge and the annual compliance review required by the Purchase Agreement, and except as disclosed in the Annual Statement of Compliance, the Annual Independent Public Accountant's Servicing Report and all servicing reports, officer's certificates and other information relating to the servicing of the Mortgage Loans submitted to the Sarbanes Certifying Party, the Servicer has, as of the date of this certification fulfilled its obligations under the Purchase Agreement; and

(iv)

The Annual Statement of Compliance discloses all significant deficiencies relating to the Servicer's compliance with the minimum servicing standards based upon the Annual Independent Public Accountant’s Servicing Report provided as a result of a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar standard as set forth in the relevant servicing agreement. 

(v)

The Servicer shall indemnify and hold harmless the Sarbanes Certifying Party and its officers, directors, agents and affiliates from and against any losses, damages, penalties, fines, forfeitures, reasonable legal fees and related costs, judgments and other costs and expenses arising out of or based upon a breach by the Servicer or any of its officers, directors, agents or affiliates of its obligations under this Certification or the negligence, bad faith or willful misconduct of the Servicer in connection therewith. If the indemnification provided for herein is unavailable or insufficient to hold harmless the Sarbanes Certifying Party, then the Servicer agrees that it shall contribute to the amount paid or payable by the Sarbanes Certifying Party as a result of the losses, claims, damages or liabilities of the Sarbanes Certifying Party in such proportion as is appropriate to reflect the relative fault of the Sarbanes Certifying Party on the one hand and the Servicer on the other in connection with a breach of the Servicer's obligations under this Certification or the Servicer's negligence, bad faith or willful misconduct in connection therewith.

Capitalized terms used but not defined herein have the meanings ascribed to them in the Master Mortgage Loan Purchase and Servicing Agreement (the “MLPSA”) dated as of March 1, 2004 between Downey Savings and Loan Association, F.A. and Greenwich Capital Financial Products, Inc., as amended and as reconstituted pursuant to a Reconstitution Agreement dated as of June 1, 2005 between Greenwich Capital Financial Products, Inc. and Downey Savings and Loan Association, F.A. (together with the MLPSA, the “Purchase Agreement”).

IN WITNESS WHEREOF, I have hereunto signed my name and affixed the seal of the Servicer.

Dated: 

By:

Name:

Title

EXHIBIT TWO

List of Mortgage Loans

SEE TAB 5

EXHIBIT THREE

Purchase Agreement

SEE TAB 85

EXHIBIT FOUR-A

Standard File Layout – Scheduled/Scheduled

	Column Name

	Description

	Decimal

	Format Comment

	LOAN_NBR

	Loan Number assigned by investor

	 	Text up to 10 digits

	SERVICER LOAN_NBR

	Servicer Loan Number

	 	Text up to 10 digits

	SCHED_PMT_AMT

	P&I constant

	2

	No commas(,) or dollar signs ($)

	NOTE_INT_RATE

	Gross Interest Rate

	4

	Max length of 6

	NET_RATE

	Gross Interest Rate less the Service Fee Rate

	4

	Max length of 6

	SERV_FEE_RATE

	Service Fee Rate

	4

	Max length of 6

	NEW_PAY_AMT

	ARM loan's forecasted P&I constant

	2

	No commas(,) or dollar signs ($)

	NEW_LOAN_RATE

	ARM loan's forecasted Gross Interest Rate

	4

	Max length of 6

	ARM_INDEX_RATE

	ARM loan's index Rate used

	4

	Max length of 6

	ACTL_BEG_BAL

	Beginning Actual Balance

	2

	No commas(,) or dollar signs ($)

	ACTL_END_BAL

	Ending Actual Balance

	2

	No commas(,) or dollar signs ($)

	NEXT_DUE_DATE

	Borrower's next due date 

	 	MM/DD/YYYY

	CURT_AMT_1

	Curtailment Amount

	2

	No commas(,) or dollar signs ($)

	CURT_DATE_1

	Due date Curtailment was applied to

	 	MM/DD/YYYY

	CURT_ADJ_ AMT_1

	Curtailment Interest if applicable

	2

	No commas(,) or dollar signs ($)

	CURT_AMT_2

	Curtailment Amount 2

	2

	No commas(,) or dollar signs ($)

	CURT_DATE_2

	Due date Curtailment was applied to

	 	MM/DD/YYYY

	CURT_ADJ_ AMT2

	Curtailment Interest if applicable

	2

	No commas(,) or dollar signs ($)

	CURT_AMT_3

	Curtailment Amount 3

	2

	No commas(,) or dollar signs ($)

	CURT_DATE_3

	Due date Curtailment was applied to

	 	MM/DD/YYYY

	CURT_ADJ_AMT3

	Curtailment Interest, if applicable

	2

	No commas(,) or dollar signs ($)

	SCHED_BEG_BAL

	Beginning Scheduled Balance

	2

	No commas(,) or dollar signs ($)

	SCHED_END_BAL

	Ending Scheduled Balance

	2

	No commas(,) or dollar signs ($)

	SCHED_PRIN_AMT

	Scheduled Principal portion of P&I

	2

	No commas(,) or dollar signs ($)

	SCHED_NET_INT

	Scheduled Net Interest (less Service Fee) portion of P&I

	2

	No commas(,) or dollar signs ($)

	LIQ_AMT

	Liquidation Principal Amt to bring balance to zero

	2

	No commas(,) or dollar signs ($)

	PIF_DATE

	Liquidation Date

	 	MM/DD/YYYY

	ACTION_CODE

	Either 60 for liquidation or 65 for Repurchase

	 	Max length of 2

	PRIN_ADJ_AMT

	Principal Adjustments made to loan, if applicable

	2

	No commas(,) or dollar signs ($)

	INT_ADJ_AMT

	Interest Adjustment made to loan, if applicable

	2

	No commas(,) or dollar signs ($)

	PREPAYMENT PENALTY AMT

	Prepayment penalty amount, if applicable

	2

	No commas(,) or dollar signs ($)

	SOILDER_SAILOR ADJ AMT

	Soldier and Sailor Adjustment amount, if applicable

	2

	No commas(,) or dollar signs ($)

	NON ADV LOAN AMT

	Non Recoverable Loan Amount, if applicable

	2

	No commas(,) or dollar signs ($)

EXHIBIT FOUR-B

	Standard File Layout – Delinquency Reporting

	Column/Header Name

	Description

	Decimal

	Format Comment

	SERVICER_LOAN_NBR

	A unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR

	 	 

	LOAN_NBR

	A unique identifier assigned to each loan by the originator.

	 	 

	CLIENT_NBR

	Servicer Client Number

	 	 
	SERV_INVESTOR_NBR

	Contains a unique number as assigned by an external servicer to identify a group of loans in their system.

	 	 

	PROP_ADDRESS

	Street Name and Number of Property

	 	 

	PROP_STATE

	The state where the  property located.

	 	 

	PROP_ZIP

	Zip code where the property is located.

	 	 

	BORR_NEXT_PAY_DUE_DATE

	The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer.

	 	MM/DD/YYYY

	LOAN_TYPE

	Loan Type (i.e. FHA, VA, Conv)

	 	 

	BANKRUPTCY_FILED_DATE

	The date a particular bankruptcy claim was filed.

	 	MM/DD/YYYY

	BANKRUPTCY_CHAPTER_CODE

	The chapter under which the bankruptcy was filed.

	 	 

	BANKRUPTCY_CASE_NBR

	The case number assigned by the court to the bankruptcy filing.

	 	 

	POST_PETITION_DUE_DATE

	The payment due date once the bankruptcy has been approved by the courts

	 	MM/DD/YYYY

	BANKRUPTCY_DCHRG_DISM_DATE

	The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted. 

	 	MM/DD/YYYY

	LOSS_MIT_APPR_DATE

	The Date The Loss Mitigation Was Approved By The Servicer

	 	MM/DD/YYYY

	LOSS_MIT_TYPE

	The Type Of Loss Mitigation Approved For A Loan Such As;

	 	 
	LOSS_MIT_EST_COMP_DATE

	The Date The Loss Mitigation /Plan Is Scheduled To End/Close

	 	MM/DD/YYYY

	LOSS_MIT_ACT_COMP_DATE

	The Date The Loss Mitigation Is Actually Completed

	 	MM/DD/YYYY

	FRCLSR_APPROVED_DATE

	The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.

	 	MM/DD/YYYY

	ATTORNEY_REFERRAL_DATE

	Date File Was Referred To Attorney to Pursue Foreclosure

	 	MM/DD/YYYY

	FIRST_LEGAL_DATE

	Notice of 1st legal filed by an Attorney in a Foreclosure Action

	 	MM/DD/YYYY

	FRCLSR_SALE_EXPECTED_DATE

	The date by which a foreclosure sale is expected to occur.

	 	MM/DD/YYYY

	FRCLSR_SALE_DATE

	The actual date of the foreclosure sale.

	 	MM/DD/YYYY

	FRCLSR_SALE_AMT

	The amount a property sold for at the foreclosure sale.

	2

	No commas(,) or dollar signs ($)

	EVICTION_START_DATE

	The date the servicer initiates eviction of the borrower.

	 	MM/DD/YYYY

	EVICTION_COMPLETED_DATE

	The date the court revokes legal possession of the property from the borrower.

	 	MM/DD/YYYY

	LIST_PRICE

	The price at which an REO property is marketed.

	2

	No commas(,) or dollar signs ($)

	LIST_DATE

	The date an REO property is listed at a particular price.

	 	MM/DD/YYYY

	OFFER_AMT

	The dollar value of an offer for an REO property.

	2

	No commas(,) or dollar signs ($)

	OFFER_DATE_TIME

	The date an offer is received by DA Admin or by the Servicer.

	 	MM/DD/YYYY

	REO_CLOSING_DATE

	The date the REO sale of the property is scheduled to close.

	 	MM/DD/YYYY

	REO_ACTUAL_CLOSING_DATE

	Actual Date Of REO Sale

	 	MM/DD/YYYY

	OCCUPANT_CODE

	Classification of how the property is occupied.

	 	 

	PROP_CONDITION_CODE

	A code that indicates the condition of the property.

	 	 

	PROP_INSPECTION_DATE

	The date a  property inspection is performed.

	 	MM/DD/YYYY

	APPRAISAL_DATE

	The date the appraisal was done.

	 	MM/DD/YYYY

	CURR_PROP_VAL

	 The current "as is" value of the property based on brokers price opinion or appraisal.

	2

	 

	REPAIRED_PROP_VAL

	The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal.

	2

	 

	If applicable:

	 

	 	 

	DELINQ_STATUS_CODE

	FNMA Code Describing Status of Loan

	 	 
	DELINQ_REASON_CODE

	The circumstances which caused a borrower to stop paying on a loan.   Code indicates the reason why the loan is in default for this cycle.

	 	 
	MI_CLAIM_FILED_DATE

	Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.

	 	MM/DD/YYYY

	MI_CLAIM_AMT

	Amount of Mortgage Insurance Claim Filed

	 	No commas(,) or dollar signs ($)

	MI_CLAIM_PAID_DATE

	Date Mortgage Insurance Company Disbursed Claim Payment

	 	MM/DD/YYYY

	MI_CLAIM_AMT_PAID

	Amount Mortgage Insurance Company Paid On Claim

	2

	No commas(,) or dollar signs ($)

	POOL_CLAIM_FILED_DATE

	Date Claim Was Filed With Pool Insurance Company

	 	MM/DD/YYYY

	POOL_CLAIM_AMT

	Amount of Claim Filed With Pool Insurance Company

	2

	No commas(,) or dollar signs ($)

	POOL_CLAIM_PAID_DATE

	Date Claim Was Settled and The Check Was Issued By The Pool Insurer

	 	MM/DD/YYYY

	POOL_CLAIM_AMT_PAID

	Amount Paid On Claim By Pool Insurance Company

	2

	No commas(,) or dollar signs ($)

	FHA_PART_A_CLAIM_FILED_DATE

	 Date FHA Part A Claim Was Filed With HUD

	 	MM/DD/YYYY

	FHA_PART_A_CLAIM_AMT

	 Amount of FHA Part A Claim Filed

	2

	No commas(,) or dollar signs ($)

	FHA_PART_A_CLAIM_PAID_DATE

	 Date HUD Disbursed Part A Claim Payment

	 	MM/DD/YYYY

	FHA_PART_A_CLAIM_PAID_AMT

	 Amount HUD Paid on Part A Claim

	2

	No commas(,) or dollar signs ($)

	FHA_PART_B_CLAIM_FILED_DATE

	  Date FHA Part B Claim Was Filed With HUD

	 	MM/DD/YYYY

	FHA_PART_B_CLAIM_AMT

	  Amount of FHA Part B Claim Filed

	2

	No commas(,) or dollar signs ($)

	FHA_PART_B_CLAIM_PAID_DATE

	   Date HUD Disbursed Part B Claim Payment

	 	MM/DD/YYYY

	FHA_PART_B_CLAIM_PAID_AMT

	 Amount HUD Paid on Part B Claim

	2

	No commas(,) or dollar signs ($)

	VA_CLAIM_FILED_DATE

	 Date VA Claim Was Filed With the Veterans Admin

	 	MM/DD/YYYY

	VA_CLAIM_PAID_DATE

	 Date Veterans Admin. Disbursed VA Claim Payment

	 	MM/DD/YYYY

	VA_CLAIM_PAID_AMT

	 Amount Veterans Admin. Paid on VA Claim

	2

	No commas(,) or dollar signs ($)

EXHIBIT FOUR-C

Standard File Codes – Delinquency Reporting

The Loss Mit Type field should show the approved Loss Mitigation Code as follows: 

·

ASUM-Approved Assumption

·

BAP-Borrower Assistance Program

·

CO-Charge Off

·

DIL-Deed-in-Lieu

·

FFA-Formal Forbearance Agreement

·

MOD-Loan Modification

·

PRE-Pre-Sale

·

SS-Short Sale

·

MISC-Anything else approved by the PMI or Pool Insurer

NOTE: Wells Fargo Bank will accept alternative Loss Mitigation Types to those above, provided that they are consistent with industry standards.  If Loss Mitigation Types other than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior to sending the file.

The Occupant Code field should show the current status of the property code as follows:

·

Mortgagor

·

Tenant

·

Unknown 

·

Vacant

The Property Condition field should show the last reported condition of the property as follows: 

·

Damaged

·

Excellent

·

Fair

·

Gone

·

Good

·

Poor

·

Special Hazard

·

Unknown

The FNMA Delinquent Reason Code field should show the Reason for Delinquency as follows: 

	Delinquency Code

	Delinquency Description

	001

	FNMA-Death of principal mortgagor

	002

	FNMA-Illness of principal mortgagor

	003

	FNMA-Illness of mortgagor’s family member

	004

	FNMA-Death of mortgagor’s family member

	005

	FNMA-Marital difficulties

	006

	FNMA-Curtailment of income

	007

	FNMA-Excessive Obligation

	008

	FNMA-Abandonment of property

	009

	FNMA-Distant employee transfer

	011

	FNMA-Property problem

	012

	FNMA-Inability to sell property

	013

	FNMA-Inability to rent property

	014

	FNMA-Military Service

	015

	FNMA-Other

	016

	FNMA-Unemployment

	017

	FNMA-Business failure

	019

	FNMA-Casualty loss

	022

	FNMA-Energy environment costs

	023

	FNMA-Servicing problems

	026

	FNMA-Payment adjustment

	027

	FNMA-Payment dispute

	029

	FNMA-Transfer of ownership pending

	030

	FNMA-Fraud

	031

	FNMA-Unable to contact borrower

	INC

	FNMA-Incarceration

The FNMA Delinquent Status Code field should show the Status of Default as follows: 

	Status Code

	Status Description

	09

	Forbearance

	17

	Pre-foreclosure Sale Closing Plan Accepted

	24

	Government Seizure

	26

	Refinance

	27

	Assumption

	28

	Modification

	29

	Charge-Off

	30

	Third Party Sale

	31

	Probate

	32

	Military Indulgence

	43

	Foreclosure Started

	44

	Deed-in-Lieu Started

	49

	Assignment Completed

	61

	Second Lien Considerations

	62

	Veteran’s Affairs-No Bid

	63

	Veteran’s Affairs-Refund

	64

	Veteran’s Affairs-Buydown

	65

	Chapter 7 Bankruptcy

	66

	Chapter 11 Bankruptcy

	67

	Chapter 13 Bankruptcy

EXHIBIT FOUR-D

Calculation of Realized Loss/Gain

(i)  The numbers on the form correspond with the numbers listed below.

Liquidation and Acquisition Expenses:

1.

The Actual Unpaid Principal Balance of the Mortgage Loan.  For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

2.

The Total Interest Due less the aggregate amount of servicing fee that would have been earned if all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

3. 

Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

4-12.

Complete as applicable.  All line entries must be supported by copies of appropriate statements, vouchers, receipts, bills, canceled checks, etc., to document the expense.  Entries not properly documented will not be reimbursed to the Servicer.

13.

The total of lines 1 through 12.

(ii)  Credits:

14-21.

Complete as applicable.  All line entries must be supported by copies of the appropriate claims forms, EOBs, HUD-1 and/or other proceeds verification, statements, payment checks, etc. to document the credit.  If the Mortgage Loan is subject to a Bankruptcy Deficiency, the difference between the Unpaid Principal Balance of the Note prior to the Bankruptcy Deficiency and the Unpaid Principal Balance as reduced by the Bankruptcy Deficiency should be input on line 20.

22.

The total of lines 14 through 21.

Please note: For HUD/VA loans, use line (15) for Part A/Initial proceeds and line (16) for Part B/Supplemental proceeds.

(iii)  Total Realized Loss (or Amount of Any Gain)

23.

The total derived from subtracting line 22 from 13.  If the amount represents a realized gain, show the amount in parenthesis (   ).

WELLS FARGO BANK, N.A.

CALCULATION OF REALIZED LOSS/GAIN

Prepared by:  __________________

         Date:  _______________

Phone:  ______________________            Email Address:_____________________

	Servicer Loan No.

	 	Servicer Name

	 	Servicer Address 

WELLS FARGO BANK, N.A. Loan No._____________________________

Borrower's Name:________________________________________________________

Property Address:________________________________________________________________

Liquidation and Acquisition Expenses:

(1)

Actual Unpaid Principal Balance of Mortgage Loan

$ ______________

(1)

(2)

Interest accrued at Net Rate

 ________________

(2)

(3)

Accrued Servicing Fees

 ________________

(3)

(4)

Attorney's Fees

 ________________

(4)

(5)

Taxes

 ________________

(5)

(6)

Property Maintenance

 ________________

(6)

(7)

MI/Hazard Insurance Premiums

 ________________

(7)

(8)

Utility Expenses

 ________________

(8)

(9)

Appraisal/BPO

 ________________

(9)

(10)

Property Inspections

 ________________

(10)

(11)

FC Costs/Other Legal Expenses

 ________________

(11)

(12)

Other (itemize)

$________________

(12)

Cash for Keys__________________________

 ________________

HOA/Condo Fees_______________________

 ________________

______________________________________

 ________________

______________________________________

 ________________

Total Expenses

$ _______________

(13)

Credits:

(14)

Escrow Balance

$ _______________

(14)

(15)

HIP Refund

________________

(15)

(16)

Rental Receipts

________________

(16)

(17)

Hazard Loss Proceeds

________________

(17)

(18)

Primary Mortgage Insurance Proceeds

________________

(18)

(19)

Pool Insurance Proceeds

________________

(19)

(20)

Proceeds from Sale of Acquired Property

________________

(20)

(21)

Other (itemize)

________________

(21)

_________________________________________

_________________

_________________________________________

_________________

Total Credits

$________________

(22)

Total Realized Loss (or Amount of Gain)

$________________

(23)Reconsituted Servicing Agreement

RECONSTITUTED SERVICING AGREEMENT

This Reconstituted Servicing Agreement (this “Agreement”) dated as of October 1, 2005, is by and among Greenwich Capital Financial Products, Inc. (“GCFP”), Countrywide Home Loans, Inc. (“CHL”) and Countrywide Home Loans Servicing LP, as servicer (the “Servicer” or “Countrywide Servicing”) and is acknowledged by Wells Fargo Bank, N.A., as master servicer (the “Master Servicer”) and Deutsche Bank National Trust Company, as trustee (the “Trustee”).

RECITALS

WHEREAS, GCFP has conveyed certain mortgage loans listed on Exhibit Two hereto (the “Serviced Loans”) to Greenwich Capital Acceptance, Inc. (“GCA”), which in turn has conveyed the Serviced Loans to the Trustee pursuant to a pooling and servicing agreement dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), among GCFP, GCA, the Master Servicer and the Trustee;

WHEREAS, the Serviced Loans were serviced by CHL for GCFP pursuant to a Master Mortgage Loan Purchase and Servicing Agreement, dated as of April 1, 2003, as amended by that certain Amendment Number One, dated as of November 1, 2004 (the “Servicing Agreement”), between GCFP and CHL, a copy of which is annexed hereto as Exhibit Three;

WHEREAS, CHL has assigned its servicing rights under the Servicing Agreement with respect to the Serviced Loans to Countrywide Servicing;

WHEREAS, GCFP desires that Countrywide Servicing continue to service the Serviced Loans and Countrywide Servicing has agreed to do so, subject to the rights of GCFP and the Master Servicer to terminate the rights and obligations of Countrywide Servicing hereunder as set forth herein and to the other conditions set forth herein;

WHEREAS, Section 24 of the Servicing Agreement provides that, subject to certain conditions set forth therein, GCFP may assign the Servicing Agreement to any person to whom any “Mortgage Loan” (as such term is defined in the Servicing Agreement) is transferred pursuant to a sale or financing.  Without limiting the foregoing, CHL has agreed, in Section 12 and Section 29 of the Servicing Agreement, to enter into additional documents, instruments or agreements as may be reasonably necessary in connection with any “Pass-Through Transfer” (as such term is defined in the Servicing Agreement) contemplated by GCFP pursuant to the Servicing Agreement;

WHEREAS, CHL, Countrywide Servicing and GCFP agree that this Agreement shall constitute a “Reconstitution Agreement” (as such term is defined in the Servicing Agreement) in connection with a Pass-Through Transfer that shall govern the Serviced Loans for so long as such Serviced Loans remain subject to the provisions of the Pooling and Servicing Agreement;

WHEREAS, the Master Servicer and any successor master servicer shall be obligated, among other things, to supervise the servicing of the Serviced Loans on behalf of the Trustee, and shall have the right to terminate the rights and obligations of Countrywide Servicing upon the occurrence and continuance of an Event of Default under this Agreement;

NOW, THEREFORE, in consideration of the mutual promises contained herein the parties hereto agree as follows:

Definitions

Capitalized terms used and not defined in this Agreement (including Exhibit One hereto) or in the Servicing Agreement shall have the meanings ascribed to them in the Pooling and Servicing Agreement.

Servicing

Countrywide Servicing agrees, with respect to the servicing of the Serviced Loans, to perform and observe the duties, responsibilities and obligations that are to be performed and observed by the Seller (as such term is defined in the Servicing Agreement) under the provisions of the Servicing Agreement, except as otherwise provided herein and on Exhibit One hereto, and that the provisions of the Servicing Agreement, as so modified, are and shall be a part of this Agreement to the same extent as if set forth herein in full.

Trust Cut-off Date

The parties hereto acknowledge that by operation of Section 11.17 of the Servicing Addendum to the Servicing Agreement (as modified by this Agreement) the remittance on June 18, 2004 to be made to the Trust Fund is to include all principal collections due after October 1, 2005 (the “Trust Cut-off Date”), plus interest thereon at the weighted average Mortgage Interest Rate collected during the immediately preceding Due Period, but exclusive of any portion thereof allocable to a period prior to the Trust Cut-off Date, and taking into account the adjustments specified in the first paragraph of Section 11.17 of the Servicing Addendum to the Servicing Agreement.

Servicing Fee

The Servicing Fee Rate for the Serviced Loans shall be equal to 0.375% per annum (the “Servicing Fee Rate”).  The Servicing Fee shall be payable monthly from the interest portion (including recoveries with respect to interest from Liquidation Proceeds and other proceeds, to the extent permitted by Section 11.05 of the Servicing Addendum to the Servicing Agreement) of the related Monthly Payment collected by the Servicer (or as otherwise provided under Section 11.05 of the Servicing Addendum to the Servicing Agreement).

Recognition of the Master Servicer

1.

From and after the date hereof Countrywide Servicing, and any successor servicer hereunder, shall be subject to the supervision of the Master Servicer, which Master Servicer shall be obligated to enforce Countrywide Servicing’s obligation to service the Serviced Loans in accordance with the provisions of this Agreement.  Countrywide Servicing and CHL shall recognize the HarborView 2005-14 Trust Fund (the “Trust Fund”) as the owner of the Serviced Loans, and shall recognize the Master Servicer, as the agent for the Trustee, and Countrywide Servicing shall service the Serviced Loans for the Trust Fund (and the Master Servicer, as the agent for the Trustee) as if the Trust Fund and Countrywide Servicing had entered into a separate servicing agreement for the servicing of the Serviced Loans in the form of the Servicing Agreement.  Pursuant to the Pooling and Servicing Agreement, the Master Servicer shall have the same rights (but not the obligations, except to the extent expressly set forth in the Pooling and Servicing Agreement) as GCFP under the Servicing Agreement to enforce the obligations of Countrywide Servicing and CHL, including, without limitation, the enforcement of (i) the document delivery requirements set forth in Section 6.03 of the Servicing Agreement and (ii) remedies with respect to representations and warranties made by CHL in the Servicing Agreement, and shall be entitled to enforce all of the obligations of Countrywide Servicing and CHL thereunder insofar as they relate to the Mortgage Loans.  CHL and Countrywide Servicing shall look solely to the Trust Fund for performance of any obligations of GCFP insofar as they relate to the enforcement of the representations, warranties and covenants with respect to the Mortgage Loans.  All references to the Purchaser under the Servicing Agreement insofar as they relate to the Mortgage Loans, shall be deemed to refer to the Trust Fund.  Neither CHL nor GCFP shall amend or agree to amend, modify, waive, or otherwise alter any of the terms or provisions of the Servicing Agreement which amendment, modification, waiver or other alteration would in any way affect the Serviced Loans or CHL’s performance under the Servicing Agreement with respect to the Serviced Loans without the prior written consent of the Master Servicer and the Trustee.

2.

The Master Servicer shall be entitled to terminate the rights and obligations of Countrywide Servicing under this Agreement, as provided in Section 14 (Default) of the Servicing Agreement.  Notwithstanding anything herein to the contrary, in no event shall the Master Servicer or the Trustee be required to assume any of the obligations of GCFP under the Servicing Agreement; and in entering into this Agreement, in connection with the performance by the Master Servicer of any duties it may have hereunder, the parties and other signatories hereto agree that the Master Servicer shall be entitled to all of the rights, protections and limitations of liability, immunities and indemnities afforded to the Master Servicer under the Pooling and Servicing Agreement.  Without limitation of the foregoing, any provision of the Servicing Agreement requiring the Purchaser to reimburse the Seller for any costs or expenses shall be satisfied by the Seller’s reimbursement of such costs or expenses from the Custodial Account.  

Warranties

GCFP, CHL and Countrywide Servicing mutually warrant and represent that, with respect to the Serviced Loans, the Servicing Agreement is in full force and effect as of the date hereof and has not been amended or modified in any way with respect to the Serviced Loans and no notice of termination has been given thereunder.

Representations

Pursuant to Section 12 of the Servicing Agreement, CHL hereby represents and warrants, for the benefit of GCFP, GCA, the Trustee and the Trust Fund, that (i) the representations and warranties set forth in Section 7.01 of the Servicing Agreement are true and correct as of October 31, 2005 as if such representations and warranties were made on such date and (ii) the representations and warranties set forth in Section 7.02 of the Servicing Agreement are true and correct as of the Closing Date (as defined in the Servicing Agreement).  In addition, Countrywide Servicing shall make the representations and warranties listed on Exhibit Four hereto as of the Reconstitution Date.

CHL and Countrywide Servicing hereby acknowledge and agree that the remedies available to the GCFP, GCA and the Trust Fund (including the Trustee acting on the Trust Fund’s behalf) in connection with any breach of the representations and warranties made by CHL or Countrywide Servicing set forth above that materially and adversely affects the value of that Mortgage Loan and the interests of the Certificateholders in such Mortgage Loan shall be as set forth in Subsection 7.03 of the Servicing Agreement as if they were set forth herein (including without limitation the repurchase and indemnity obligations set forth therein).  Such enforcement of a right or remedy by the Trustee shall have the same force and effect as if the right or remedy had been enforced or exercised by GCFP directly.

Assignment

CHL and Countrywide Servicing hereby acknowledge that the rights of GCFP under the Servicing Agreement as amended by this Agreement will be assigned to GCA under a Mortgage Loan Servicing Agreement and by GCA to the Trust Fund under the Pooling and Servicing Agreement and agree that the Mortgage Loan Servicing Agreement and the Pooling and Servicing Agreement will each be a valid assignment and assumption agreement or other assignment document and will constitute a valid assignment and assumption of the rights of GCFP under the Servicing Agreement to GCA and the Trustee, on behalf of the Trust Fund, as applicable.  In addition, the Trust Fund will make a REMIC election.  CHL and Countrywide Servicing hereby consent to such assignment and assumption and acknowledge the Trust Fund’s REMIC election.  

Notices

1.

All notices, consents, certificates or reports (collectively, “Written Information”) required to be delivered to the Master Servicer under the Servicing Agreement and under this Agreement shall be delivered to the Master Servicer at the following address:

Wells Fargo Bank, N.A.

P.O. Box 98

Columbia, Maryland 21046

Attention:  Corporate Trust Group, HarborView 2005-14

(or in the case of overnight deliveries, 

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone:  (410) 884-2000

Facsimile:   (410) 715-2380

2.

All amounts required to be remitted or distributed by CHL or Countrywide Servicing, as applicable, to the Master Servicer under the Servicing Agreement and under this Agreement shall be on a scheduled/scheduled basis and shall be made to the following wire account:

Wells Fargo Bank, N.A.

ABA#:  121-000-248

Account Name:  SAS CLEARING

Account Number:  3970771416

For further credit to:  HarborView 2005-14, Account #17200200

3.

All Written Information required to be delivered to the Trustee under the Servicing Agreement and under this Agreement shall be delivered to the Trustee at the following address:

Deutsche Bank National Trust Company

1761 East St. Andrew Place

Santa Ana, CA 92705

Attention: HarborView 2005-14 (GC0514)

Telephone:  (714) 247-6000

Facsimile:   (714) 247-6329

4.

All Written Information required to be delivered to GCFP under the Servicing Agreement and under this Agreement shall be delivered to GCFP at the following address:

Greenwich Capital Financial Products, Inc.

600 Steamboat Road

Greenwich, Connecticut 06830

Attention: Legal Department (HarborView 2005-14)

Telephone:  (203) 625-6072

Facsimile:   (203) 618-2163

Governing Law

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAW PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

Counterparts

This Agreement may be executed in any number of counterparts, each of which when so executed shall be deemed to be an original, but all of which counterparts shall together constitute but one and the same instrument.

Reconstitution

CHL, Countrywide Servicing and GCFP agree that this Agreement is a Reconstitution Agreement executed in connection with a Pass-Through Transfer and that the date hereof is the Reconstitution Date.

Limited Role of the Trustee

The Trustee shall have no obligations or duties under this Agreement except as expressly set forth herein.  No implied duties on the part of the Trustee shall be read into this Agreement.  Nothing herein shall be construed to be an assumption by the Trustee of any duties or obligations of any party to this Agreement or the Servicing Agreement, the duties of the Trustee being solely those set forth in the Pooling and Servicing Agreement.  The Trustee is entering into this Agreement solely in its capacity as Trustee under the Pooling and Servicing Agreement and not individually, and there shall be no recourse against the Trustee in its individual capacity hereunder or for the payment of any obligations of the Trust or the Trust Fund.

Executed as of the day and year first above written.

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.

By: /s/ Shakti Radhakishun

Name: Shakti Radhakishun

Title: Senior Vice President

COUNTRYWIDE HOME LOANS, INC.

By: /s/ Darren Bigby

Name: Darren Bigby

Title: Sr. Vice President

COUNTRYWIDE HOME LOANS 

SERVICING LP,

By Countrywide GP, Inc., its General Partner

By: /s/ Darren Bigby

Name: Darren Bigby

Title: Sr. Vice President

Acknowledged By

DEUTSCHE BANK NATIONAL TRUST COMPANY, 

not in its individual capacity, but solely as Trustee

under the Pooling and Servicing Agreement 

By:  /s/ Marion Hogan

Name: Marion Hogan

Title: Associate

By:  /s/Brent Hoyler

Name: Brent Hoyler

Title: Associate

Acknowledged By

WELLS FARGO BANK, N.A., 

as Master Servicer

By:  /s/ Graham Oglesby

Name: Graham Oglesby

Title: Assistant Vice President

EXHIBIT ONE

Modifications to the Servicing Agreement

1.

The definition of “Business Day” in Section 1 is hereby amended in its entirety to read as follows:

Business Day:  Any day other than a Saturday or Sunday, or a day on which banks and savings and loan institutions in the State of Ohio, the State of Maryland, the State of Minnesota, the State of California, the State of Texas or the State of New York are authorized or obligated by law or executive order to be closed.

2.

The definition of “Eligible Account” in Section 1 is hereby amended in its entirety to be as defined in the Pooling and Servicing Agreement.

3.

The definition of “Mortgage Interest Rate” in Section 1 is hereby amended by adding the phrase “net of any Relief Act Reduction” to the end of such definition.

4.

The definition of “Opinion of Counsel” in Section 1 is hereby amended in its entirety to read as follows:

Opinion of Counsel:  A written opinion of counsel, who may be an employee of Countrywide, that is reasonably acceptable to the Master Servicer provided that any Opinion of Counsel relating to (a) qualification of the Mortgage Loans in a REMIC or (b) compliance with the REMIC Provisions, must be an opinion of counsel reasonably acceptable to the Trustee, the Master Servicer and GCFP who (i) is in fact independent of Countrywide and any master servicer of the Mortgage Loans, (ii) does not have any material direct or indirect financial interest in Countrywide or any master servicer of the Mortgage Loans or in any affiliate of any such entity and (iii) is not connected with Countrywide or any master servicer of the Mortgage Loans as an officer, employee, director or person performing similar functions.

5.

A new definition of “Rating Agency” is hereby added to Section 1 immediately following the definition of “Qualified Substitute Mortgage Loan” to read as follows:

Rating Agency:  Any nationally recognized statistical rating agency rating the securities issued in a mortgage securitization as a result of a Pass-Through Transfer.

6.

A new definition of “Relief Act Reduction” is hereby added to Section 1 immediately following the definition of “Refinanced Mortgage Loan” to read as follows:

Relief Act Reduction:  With respect to any Mortgage Loan as to which there has been a reduction in the amount of the interest collectible thereon as a result of the application of the Servicemembers Civil Relief Act, or any similar state law, any amount by which interest collectible on such Mortgage Loan for the Due Date in the related Due Period is less than the interest accrued thereon for the applicable one-month period at the Mortgage Interest Rate without giving effect to such reduction.

7.

A new definition of “REMIC Provisions” is hereby added to Section 1 immediately following the definition of “REMIC” to read as follows:

REMIC Provisions:  Provisions of the federal income tax law relating to real estate mortgage investment conduits which appear at Section 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and regulations and rulings promulgated thereunder, as the foregoing may be in effect from time to time.

8.

The definition of “Remittance Date” is amended and restated to read as follows:

Remittance Date:  The 18th calendar day of any month or, if such 18th day is not a Business Day, the Business Day immediately preceding such 18th day.

9.

A new definition of “Sarbanes Certifying Party” is added to Section 1 immediately before the definition of “Seller” to read as follows:

Sarbanes Certifying Party:  A Person who provides a certification required under the Sarbanes-Oxley Act of 2002 on behalf of the Trust Fund.

10.

Reserved.

11.

Subsection 7.03 (Remedies for Breach of Representations and Warranties) is hereby amended as follows:

(i)

by adding the words “(from its own funds)” to the first sentence of the fifth paragraph after the word “indemnify;”

(ii)

by replacing the words “the Purchaser and hold it” at the beginning of the second line of the fifth paragraph with “GCFP, the Depositor, the Trustee and the Trust Fund and hold each of them;”

(iii)

by replacing each of the references to “the Purchaser” in the last sentence of the fifth paragraph with “GCFP, the Depositor, the Trustee and the Trust Fund;” and

(iv)

by replacing each of the references to “the Purchaser” in the sixth paragraph of Section 7.03 with “GCFP, the Depositor, the Master Servicer or the Trustee.”

12.

Subsection 7.04 (Reserved) is hereby titled “Credit Reporting” and amended as follows:  The Servicer will fully furnish in accordance with the Fair Credit Reporting Act and its implementing regulations, accurate and complete information (i.e., favorable and unfavorable) on its borrower credit files to Equifax, Experian and Trans Union Credit Information Company, on a monthly basis.

13.

Subsection 13.01 (Additional Indemnification by the Seller; Third Party Claims) is hereby amended:

(i)

 by replacing each of the two references to “the Purchaser” in the first sentence with “the Trust Fund, the Trustee and the Depositor;” 

(ii)

by replacing the first and third reference to “the Purchaser” in the second sentence with “the Trust Fund;” 

(iii)

by replacing the second reference to “the Purchaser” in the second sentence with “the Trustee;”

(iv)

by replacing the reference to “the Purchaser” in the fourth sentence with “the Trust Fund, the Trustee and the Depositor;” and 

(v)

by replacing the reference to “the Purchaser” in the last sentence with “the Trust Fund.”

14.

Subsection 13.04 (Seller Not to Resign) is hereby amended as follows:

(i)

by replacing the reference to “the Purchaser” in the second line with “the Master Servicer (and with prior written notice of such assignment or resignation to the Trustee);”

(ii)

by replacing the first reference to “the Purchaser” in the second sentence with “the Master Servicer and the Trustee;” and

(iii)

by replacing the second reference to “the Purchaser” in the second sentence with “the Master Servicer.” 

15.

Subsection 13.05 (No Transfer of Servicing) is hereby amended by replacing the words “prior written approval of the Purchaser” with “the prior written consent of the Master Servicer (with notice to the Trustee), which consent shall not be unreasonably withheld” in the second sentence of the paragraph.

16.

Subsection 14.01 (Events of Default) is hereby amended as follows:

(i)

by replacing each reference to “the Purchaser” with “the Master Servicer;” 

(ii)

by amending and restating clause (i) of Section 14.01 to read as follows:

(i) any failure of the Servicer to remit to the Master Servicer any payment required to be made under the terms of this Agreement which continues unremedied for a period of one (1) Business Day after the date upon which such payment was required to be made; or

(iii)

by adding the words “subject to clause (ix) of this Subsection 14.01,” at the beginning of clause (ii); 

(iv)

by replacing in clause (ix) the words “Sections 11.25 and 11.26 of the Servicing Addendum, which failure continues unremedied for a period of thirty (30) days” with the words “Sections 11.25 or 11.26 of the Servicing Addendum, which failure continues unremedied for a period of fifteen (15) days;” and 

(v)

by adding the words “within the applicable cure period” after the word “remedied” in the beginning of the last paragraph.

17.

Subsection 14.02 (Waiver of Defaults) is hereby amended by replacing the reference to “The Purchaser” with “The Master Servicer.”

18.

Section 15.01 (Termination) is hereby deleted in its entirety and replaced by the following:

Section 15.01  Termination

The respective obligations and responsibilities of the Servicer shall terminate upon the: (i) the later of the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan or the disposition of all REO Property and the remittance of all funds due hereunder; or (ii) by mutual consent of the Servicer and the Master Servicer in writing.

19.

Section 16 (Successor to the Seller) is hereby amended as follows:

(i)

by replacing the words “Prior to” with “Upon” at the beginning of the first sentence of the first paragraph;

(ii)

by replacing the reference to “Section 15.01(ii) or 15.02” with “Subsection 14.01 or Section 15” in the second line of the first paragraph;

(iii)

by adding the words “, in accordance with the Pooling and Servicing Agreement,” after the word “shall” in the second line of the first paragraph;

(iv)

by adding the following new sentence immediately after the first sentence of the first paragraph to read as follows:

Any successor to the Servicer shall be a FHLMC- or FNMA-approved servicer and shall be subject to the approval of each Rating Agency, as evidenced by a letter from each such Rating Agency delivered to the Master Servicer and the Trustee that the transfer of servicing will not result in a qualification, withdrawal or downgrade of the then-current rating of any of the Certificates.

(v)

by adding the following proviso at the end of the second sentence of the first paragraph immediately before the period to read as follows:

; provided, however, that no such compensation shall be in excess of that permitted the Servicer under this Agreement.

(vi)

by replacing the reference to “the Purchaser” in the second line of the second paragraph with “the Trustee and the Master Servicer;” and

(vii)

by adding the following new paragraph as the fifth paragraph to read as follows:

Except as otherwise provided in this Section 16, all reasonable costs and expenses incurred in connection with any transfer of servicing hereunder (as a result of termination for cause under Subsection 14.01 or resignation of the Servicer), including, without limitation, the costs and expenses of the Master Servicer or any other Person in appointing a successor servicer, or of the Master Servicer in assuming the responsibilities of the Servicer hereunder, or of transferring the Servicing Files and the other necessary data, including the completion, correction or manipulation of such servicing data as may be required to correct any errors or insufficiencies in the servicing data, to the successor servicer shall be paid by the terminated or resigning Servicer from its own funds without reimbursement.  Notwithstanding any of the foregoing, all reasonable costs and expenses incurred in connection with any transfer of servicing pursuant to Subsection 15.02 shall be paid by the Trust Fund.

20.

Section 24 (Successors and Assigns) is hereby amended by replacing the words “the consent of the Purchaser” at the end of the second sentence with “the prior written consent of Greenwich Capital Acceptance, Inc., the Master Servicer, the Trustee and each Rating Agency.”

21.

A new Section 35 (Amendment) is hereby added to the Servicing Agreement to read as follows:

SECTION 35.  Amendment.  This Agreement may be amended only by written agreement signed by the Servicer, Greenwich Capital Acceptance, Inc., the Master Servicer and the Trustee.  The party requesting such amendment shall, at its own expense, provide the Greenwich Capital Acceptance, Inc., the Master Servicer and the Trustee with an Opinion of Counsel that (i) such amendment is permitted under the terms of this Agreement, (ii) the Servicer has complied with all applicable requirements of this Agreement, and (iii) such Amendment will not materially adversely affect the interest of the Certificateholders in the Serviced Mortgage Loans.

22.

A new Section 36 (Intended Third Party Beneficiaries) is hereby added to the Servicing Agreement to read as follows:

SECTION 36.  Intended Third Party Beneficiaries.  Notwithstanding any provision herein to the contrary, the parties to this Agreement agree that it is appropriate, in furtherance of the intent of such parties as set forth herein, that the Trustee and the Master Servicer each receive the benefit of the provisions of this Agreement as intended third party beneficiaries of this Agreement to the extent of such provisions.  The Servicer shall have the same obligations to the Trustee and the Master Servicer as if the Trustee and the Master Servicer each were a party to this Agreement, and the Trustee and the Master Servicer each shall have the same rights and remedies to enforce the provisions of this Agreement as if it were a party to this Agreement.  The Servicer shall only take directions from the Master Servicer (if direction by the Master Servicer is required under this Agreement) unless otherwise directed by this Agreement.  Notwithstanding the foregoing, all rights and obligations of the Master Servicer and the Trustee hereunder (other than the right to indemnification and the indemnification obligations, as applicable) shall terminate upon termination of the Trust Fund pursuant to the Pooling and Servicing Agreement.

23.

Section 11.01 of the Servicing Addendum (Seller to Act as Servicer) is hereby amended as follows:

(i)

by adding the following proviso at the end of the first paragraph to read as follows:

provided, however, that the Servicer shall not knowingly or intentionally take any action, or fail to take (or fail to cause to be taken) any action reasonably within its control and the scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not taken, as the case may be, would cause any REMIC created under the Pooling and Servicing Agreement to fail to qualify as a REMIC or result in the imposition of a tax upon the Trust (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) unless the Servicer has received an Opinion of Counsel (but not at the expense of the Servicer) to the effect that the contemplated action will not cause any REMIC created under the Pooling and Servicing Agreement to fail to qualify as a REMIC or result in the imposition of a tax upon any such REMIC created thereunder.  

(ii)

by adding the following additional proviso at the end of the first sentence of the second paragraph to read as follows:

; provided, further, no such modification shall be permitted unless the Servicer shall have provided to the Master Servicer and the Trustee an Opinion of Counsel in writing to the effect that such modification, waiver or amendment would not cause an Adverse REMIC Event (as defined in the Pooling and Servicing Agreement).  The costs of obtaining such Opinion of Counsel shall be a reimbursable expense to the Servicer to be withdrawn from the Custodial Account pursuant to Section 11.05.  Promptly after the execution of any modification of any Mortgage Loan, the Servicer shall deliver to the Trustee the originals of (and forward to the Master Servicer copies of) any documents evidencing such modification.

24.

Section 11.04 of the Servicing Addendum (Establishment of Custodial Accounts; Deposits in Custodial Accounts) is hereby amended by adding the words “, entitled ‘in trust for the Trustee of the HarborView 2005-14 Trust Fund’” at the end of the first sentence of the first paragraph.

25.

Section 11.05 of the Servicing Addendum (Permitted Withdrawals From the Custodial Account) is hereby amended by adding a new subclause (ix) to read as follows:

(ix)  to reimburse itself for unreimbursed Servicing Advances to the extent that such amounts are nonrecoverable by the Servicer pursuant to subclause (iii) above;

26.

Section 11.06 of the Servicing Addendum (Establishment of Escrow Accounts; Deposits in Escrow Accounts) is hereby amended by adding the words “, entitled “in trust for the Trustee of the HarborView 2005-14 Trust Fund” at the end of the first sentence of the first paragraph.

27.

Section 11.17 of the Servicing Addendum (Distributions) is hereby amended by deleting the words “the second Business Day following” in the second and third sentences of the second paragraph.

28.

Section 11.18 of the Servicing Addendum (Statements to the Purchaser) is hereby amended by deleting the first sentence in its entirety and replacing it with the following:

Not later than the tenth calendar day of each month (or if such calendar day is not a Business Day, the immediately succeeding Business Day), the Servicer shall furnish to the Master Servicer the information shown in Exhibit 11, including but not limited to (i) a monthly remittance advice in written or electronic format (or in such other format mutually agreed to between the Servicer and the Master Servicer) relating to the period ending on the last day of the preceding calendar month in such form mutually agreed to in writing between the Servicer and the Master Servicer and (ii) all such information required pursuant to clause (i) above on a magnetic tape or other similar media reasonably acceptable to the Master Servicer.  In addition, no later than the close of business New York time on the fifth Business Day prior to such Distribution Date, the Servicer shall deliver or cause to be delivered to the Master Servicer in addition to the information provided in Exhibit 11, such other loan-level information reasonably available to it with respect to the Mortgage Loans as the Master Servicer may reasonably require to perform the calculations necessary to make the distributions contemplated by Section 5.01 of the Pooling and Servicing Agreement.

29.

Section 11.25 of the Servicing Addendum (Statement as to Compliance) is hereby amended as follows:

(i)

by replacing in its entirety subparagraph (a) with the following:

(a)

The Seller will deliver to the Master Servicer, the Trustee and the Sarbanes Certifying Party on or before March 15, 2006 and each year thereafter, an Officer’s Certificate (the “Annual Statement of Compliance”) stating that (i) a review of the activities of the Seller during the preceding calendar year and of performance under this Agreement has been made under such officer’s supervision and (ii) to the best of such officers’ knowledge, based on such review, the Seller has fulfilled all of its obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof.

(ii)

by replacing the words “March 1” with the words “March 15, beginning with March 15, 2006” in subparagraph (b);

30.

Section 11.26 of the Servicing Addendum (Independent Public Accountants’ Servicing Report) is hereby amended in its entirety by the following:

On or before March 15, 2006 and each year thereafter, the Servicer at its expense shall cause a firm of independent public accountants which is a member of the American Institute of Certified Public Accountants to furnish a statement (the “Annual Independent Public Accountant’s Servicing Report “) to the Master Servicer and the Trustee to the effect that such firm has examined certain documents and records relating to the servicing of mortgage loans by the Seller generally that include a sampling of the Mortgage Loans, the provisions of Article II and Article IV have been complied with and, on the basis of such an examination conducted substantially in accordance with the Uniform Single Attestation Program for Mortgage Bankers, such servicing has been conducted in compliance with this Agreement, except for (i) such exceptions as such firm shall believe to be immaterial, and (ii) such other exceptions as shall be set forth in such statement.

31.

Exhibit 13 of the Servicing Agreement is hereby amended in its entirety as follows:

EXHIBIT 13

FORM OF BACK-UP CERTIFICATION

I, [identify the certifying individual], certify to the Sarbanes Certifying Party, and its respective officers, directors, agents and affiliates, and with the knowledge and intent that they will rely upon this certification, that:

1.

Based on my knowledge, the information in the Annual Statement of Compliance, the Annual Independent Public Accountant’s Servicing Report and all servicing reports, officer’s certificates and other information relating to the servicing of the Mortgage Loans submitted to the Master Servicer 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 such statements or reports;

2.

Based on my knowledge, the servicing information required to be provided to the Master Servicer by the Servicer under the Servicing Agreement has been provided to the Master Servicer by the Servicer;

3.

I am responsible for reviewing the activities performed by the Servicer under the Servicing Agreement and based upon my knowledge and the annual compliance review required by the Servicing Agreement, and except as disclosed in the Annual Statement of Compliance or the Annual Independent Public Accountant’s Servicing Report submitted to the Master Servicer, the Servicer has, as of the last day of the period covered by the Annual Statement of Compliance fulfilled its obligations under the Servicing Agreement; and

4.

The Annual Statement of Compliance discloses all significant deficiencies relating to the Servicer’s compliance with the minimum servicing standards based upon the Annual Independent Public Accountant’s Servicing Report provided as a result of a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar standard as set forth in the Servicing Agreement.

Capitalized terms used but not defined herein have the meanings ascribed to them in the Master Mortgage Loan Purchase and Servicing Agreement  dated as of April 1, 2003, as amended by that certain Amendment Number One, dated as of November 1, 2004, (the “MLPSA”), between Countrywide Home Loans, Inc. and Greenwich Capital Financial Products, Inc., as amended and as reconstituted pursuant to a Reconstituted Servicing Agreement dated as of October 1, 2005 among Greenwich Capital Financial Products, Inc., Countrywide Home Loans, Inc. and Countrywide Servicing LP (together with the MLPSA, the “Servicing Agreement”).

                                                              

By:                                                          

Name:  

Title:  

Date:

EXHIBIT TWO

List of Mortgage Loans

On File with McKee Nelson

EXHIBIT THREE

Servicing Agreement

On File with McKee Nelson 

EXHIBIT FOUR

Representations and Warranties

Countrywide Servicing, as Servicer, represents, warrants and covenants to GCFP, GCA and the Trustee as of the Reconstitution Date that:

(i)

The Servicer is a limited partnership, duly organized, validly existing and in good standing under the laws of the State of Texas and is duly authorized and qualified to transact any and all business contemplated by this Agreement to be conducted by the Servicer in any state in which a Mortgaged Property related to a Mortgage Loan is located or is otherwise not required under applicable law to effect such qualification and no demand for such qualification has been made upon the Servicer by any state having jurisdiction and, in any event, is in compliance with the doing business laws of any such State, to the extent necessary to ensure its ability to enforce each Mortgage Loan serviced and to service the Mortgage Loans in accordance with the terms of this Agreement;

(ii)

The Servicer has the full power and authority to service each Mortgage Loan which the Servicer is required to service hereunder, and to execute, deliver and perform, and to enter into and consummate the transactions contemplated by this Agreement and has duly authorized by all necessary action on the part of the Servicer the execution, delivery and performance of this Agreement; and this Agreement, assuming the due authorization, execution and delivery thereof by the other parties thereto, constitutes a legal, valid and binding obligation of the Servicer, enforceable against the Servicer in accordance with its terms, except to the extent that (a) the enforceability hereof may be limited by bankruptcy, insolvency, reorganization, moratorium, receivership and other similar laws relating to creditors’ rights generally and (b) the remedy of specific performance and injunctive and other forms of equitable relief may be subject to the equitable defenses and to the discretion of the court before which any proceeding therefor may be brought;

(iii)

The execution and delivery of this Agreement by the Servicer, the servicing of the Mortgage Loans by the Servicer hereunder, the consummation by the Servicer of any other of the transactions herein contemplated, and the fulfillment of or compliance with the terms hereof are in the ordinary course of business of the Servicer and will not (A) result in a breach of any term, condition or provision of the organizational documents of the Servicer or (B) conflict with, result in a breach, violation or acceleration of, or result in a default under, the terms of any other material agreement or instrument to which the Servicer is a party or by which it may be bound, or any statute, order or regulation applicable to the Servicer of any court, regulatory body, administrative agency or governmental body having jurisdiction over the Servicer; and the Servicer is not a party to, bound by, or in breach or violation of any indenture or other agreement or instrument, or subject to or in violation of any statute, order or regulation of any court, regulatory body, administrative agency or governmental body having jurisdiction over it, which materially and adversely affects or, to the Servicer’s knowledge, would in the future materially and adversely affect, (x) the ability of the Servicer to perform its obligations under this Agreement or (y) the business, operations, financial condition, properties or assets of the Servicer taken as a whole;

(iv)

The Servicer is an approved seller/servicer for Fannie Mae and an approved servicer for Freddie Mac in good standing and is a HUD-approved non-supervised mortgagee pursuant to Section 203 and Section 211 of the National Housing Act, and no event has occurred, including but not limited to a change in insurance coverage, that would make the Servicer unable to comply with HUD, Fannie Mae or Freddie Mac eligibility requirements or which would require notification to any of HUD, Fannie Mae or Freddie Mac;

(v)

No action, suit, proceeding, investigation or litigation is pending or, to the best knowledge of the Servicer, threatened against the Servicer that would materially and adversely affect the execution, delivery or enforceability of this Agreement or the ability of the Servicer to service the Mortgage Loans or to perform any of its other obligations hereunder in accordance with the terms hereof; and

(vi)

No consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Servicer of, or compliance by the Servicer with, this Agreement or the consummation by the Servicer of the transactions contemplated by this Agreement, except for such consents, approvals, authorizations or orders, if any, that have been obtained prior to the date of this Agreement.

(vii)

The Servicer does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every covenant contained in this Agreement;

(viii)

No written statement, report or other document prepared and furnished or to be prepared and furnished by the Servicer pursuant to this Agreement or in connection with the transactions contemplated hereby contains any untrue statement of material fact or omits to state a material fact necessary to make the statements contained therein not misleading; and

(ix)

The Servicer is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the MERS Mortgage Loans for as long as such Mortgage Loans are registered with MERS.

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