Common use of Securities Exchange Act Clause in Contracts

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Securities Exchange Act. Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days 1122(d)(2)(vii) specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Investor Remittances and Reporting --------------- ------------------- Reports to investors, including those to be filed --------------- ------------------- W-2 ------------------------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------ with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced 1122(d)(3)(i) by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Pool Asset Administration --------------- ------------------- Collateral or security on mortgage loans is maintained as required by the transaction 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(ii) agreements. --------------- ------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related 1122(d)(4)(iv) mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:--------------- ------------------- W-3

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- X ------------------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed X securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other 1122(d)(2)(vii) number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, X are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid 1122(d)(3)(i) principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with X timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the 1122(d)(3)(ii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports X agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:-------------------------------------------------------------------------------------------------------------------------------

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- X ---------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ---------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ---------------------------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal 1122(d)(3)(i) balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree X with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Pool Asset Administration ---------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained X as required by the transaction agreements or related mortgage 1122(d)(4)(i) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ---------------------------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) in accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with X the Servicer's records with respect to an obligor's unpaid 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage X loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction 1122(d)(4)(vi) agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the X period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan 1122( d)( 4 )(ix) documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ---------------------------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow X accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction 1122( d)( 4 )(x) agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance X payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xitransaction 1122( d)( 4 )(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two X business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts X are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:----------------------------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of 1122(d)(2)(vii) days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Investor Remittances and Reporting ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------------------ Reports to investors, including those to be filed with the X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal 1122(d)(3)(i) balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Pool Asset Administration ------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as X required by the transaction agreements or related mortgage loan 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------ Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with X the Servicer's records with respect to an obligor's unpaid 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Changes with respect to the terms or status of an obligor's X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with 1122(d)(4)(vi) the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Loss mitigation or recovery actions (e.g., forbearance plans, X modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Records documenting collection efforts are maintained during the X period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed 1122(d)(4)(viii) temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage X loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------------------------------------------------------------------------------------------

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or 1122(d)(2)(vii) such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- W-2 ----------------------------------------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ----------------------------------------------------------------------------------------------------------------------------------- Reference Criteria ----------------------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------ -------------------------- 1122(d)(3)(i) Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the 1122(d)(3)(ii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Pool Asset Administration ------------------------ -------------------------- Collateral or security on mortgage loans is maintained as required by the 1122(d)(4)(i) transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the 1122(d)(4)(ii) transaction agreements -------------------------------------------------------------------------------------------------------------------------------- agreements. ------------------------ -------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements 1122(d)(4)(iii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------ -------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., 1122(d)(4)(iv) escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------ -------------------------- W-3

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-asset- X backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other 1122(d)(2)(vii) number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ---------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance 1122(d)(3)(i) and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ---------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction X 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial X 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Pool Asset Administration ---------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., 1122(d)(4)(iv) escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ---------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained X during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage X loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other 1122(d)(4)(xi) number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ---------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted X within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re---------------------------------------------------------------------------------------------------- [WELLS FARGO BANK, NATIONAL ASSOCIATION] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ____________________________ By: ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatName: Title:

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(2)(vii) ------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(3)(i) ------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- EXH. B-I-2 ------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------------- Reference Criteria ------------------------------------------------------------------------------------------------- Pool Asset Administration ------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan 1122(d)(4)(iv) documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance X plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the 1122(d)(4)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained X during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(viii) ------------------------------------------------------------------------------------------------- EXH. B-I-3 ------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------------- Reference Criteria ------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for X mortgage loans with variable rates are computed based on 1122( d)( 4 )(ix) the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified 1122( d)( 4 )(x) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- 1122( d)( 4 )(xi) ------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted X within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(xiii) ------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction agreements. 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re------------------------------------------------------------------------------------------------- [GREENPOINT ] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the ________ By: ________________________________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatName: Title:

Securities Exchange Act. Appendix C-1 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Investor Remittances and Reporting ------------------------------ -------------------------------------------------- ------------------------------------ Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ Collateral or security on mortgage loans pool assets is maintained as required by the transaction 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan ------------------------------ -------------------------------------------------- ------------------------------------ Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction 1122(d)(4)(ii) agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements 1122(d)(4)(iii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Payments on mortgage loanspool assets, including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, 1122(d)(4)(iv) and allocated to principal, ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-2 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ The Servicer's records regarding the mortgage loans pool assets agree with the Servicer's records with 1122(d)(4)(v) respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Changes with respect to the terms or status of an obligor's mortgage loans pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and 1122(d)(4)(vi) related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by 1122(d)(4)(vii) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Records documenting collection efforts are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed 1122(d)(4)(viii) temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Adjustments to interest rates or rates of return for mortgage loans pool assets with variable rates are computed 1122(d)(4)(ix) based on the related 1122(d)(4)(ix) mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool assets, or such other number 1122(d)(4)(x) of days specified in the 1122(d)(4)(x) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made on behalf of an obligor are posted within two business days to the 1122(d)(4)(xiii) obligor's ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-3 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in 1122(d)(4)(xiv) accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ------------------------------ -------------------------------------------------- ------------------------------------ [JPMORGAN CHASE BANK, NATIONAL ASSOCIATION] agreement dated as of [ ], 200[ [USAA FEDERAL SAVINGS BANK] (the "Agreement"), among [IDENTIFY PARTIES] I, By:________________________________ Name: Title: Date: _, the __________________________ APPENDIX D Form of Performance Certification CERTIFICATION Re: USAA Auto Owner Trust 2006-2 ---------------------------- The undersigned [Name of ServicerIndenture Trustee] [Reporting Subcontractor] hereby certifies to the [ ] and its officers, directors and Affiliates (collectively, the "ServicerCertification Parties"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers) as follows, with the knowledge and intent that they the Certification Parties will rely upon on this certification, thatCertification in connection with the certification concerning the Trust to be signed by an officer of the Servicer and submitted to the Securities and Exchange Commission pursuant to the Sarbanes-Oxley Act of 2002:

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized Servicer, 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- Trustee -------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement Servicer, cutoff date, or such other number of days specified in the Trustee transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA -------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in Trustee the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced 1122(d)(3)(i) of mortgage loans serviced by the Servicerservicer. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other Trustee 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicerservicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction Trustee 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial Trustee 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans pool assets is maintained as required by the transaction agreements or related mortgage asset 1122(d)(4)(i) loan pool documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan -------------------------------------------------------------------------------------------------------- Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any Servicer 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Payments on mortgage loanspool assets, including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicerservicer's obligor records maintained no more than two business days after receipt, or such other number of Servicer days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- The Servicerservicer's records regarding the mortgage loans pool assets agree with the Servicerservicer's records with respect to an obligor's unpaid Servicer 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in Servicer accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are Servicer initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the 1122(d)(4)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and Servicer describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans pool assets with variable rates are computed based on the related Servicer 1122(d)(4)(ix) mortgage loan related pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA -------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is Servicer paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool asset, or such other number 1122(d)(4)(x) of days specified in the transaction 1122(d)(4)(x) agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided Servicer that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other 1122(d)(4)(xi) number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the Servicer 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days Servicer 1122(d)(4)(xiii) specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction Servicer, 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Trustee -------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is Trustee 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- [FREMONT INVESTMENT & LOAN, as Servicer/ WELLS FARGO BANK, N.A., xx Trustee] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, -------------------------------------------------------------------------------- Date:_________________ By:________________________________, the _______________________ of [Name of Servicer] Name: Title: -------------------------------------------------------------------------------- EXHIBIT K-1 FORM OF SWAP AGREEMENT (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatAvailable Upon Request) EXHIBIT K-2 SCHEDULE OF SWAP NOTIONAL BALANCE EXHIBIT L FORM OF REPORT PURSUANT TO SECTION 13.01 DATA TO BE PROVIDED TO CLASS CE CERTIFICATE HOLDER:

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- X ------------------ ----------------------------------------------------------------------- ------------------- ------------------- Reconciliations are prepared on a monthly basis for all asset-backed X securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------ ----------------------------------------------------------------------- ------------------- ------------------- Investor Remittances and Reporting ------------------ ----------------------------------------------------------------------- ------------------- ------------------- Reports to investors, including those to be filed with the Commission, X are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of mortgage 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------ ----------------------------------------------------------------------- ------------------- ------------------- 1122(d)(3)(ii) Amounts due to investors are allocated and remitted in accordance with X timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------ ----------------------------------------------------------------------- ------------------- -------------------

Securities Exchange Act. Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- 1122(d)(2)(vii) Reconciliations are prepared on a monthly basis for -------------------------------------------------------------------------------------------------------------------- SC-1 -------------------------------------------------------------------------------------------------------------------- Reg AB Reference Servicing Criteria Applicable Servicing Criteria -------------------------------------------------------------------------------------------------------------------- all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting -------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:--------------------------------------------------------------------------------------------------------------------

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- X ------------------------------------------------------------------------------------------------------------------------------------ Reconciliations are prepared on a monthly basis for all asset-backed X securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------ Investor Remittances and Reporting ------------------------------------------------------------------------------------------------------------------------------------ Reports to investors, including those to be filed with the Commission, are X maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------------------------ Amounts due to investors are allocated and remitted in accordance with X 1122(d)(3)(ii) timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------------------------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- Investor Remittances and Reporting --------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans 1122(d)(3)(i) serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:--------------------------------------------------------------------------------------------------- Exhibit G-2

Securities Exchange Act. Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified 1122(d)(2)(vii)specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Investor Remittances and Reporting --------------- ---------------- 1122(d)(3)(i) Reports to investors, including those to be filed W-2 ------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------ with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii)days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Pool Asset Administration --------------- ---------------- Collateral or security on mortgage loans is maintained as required by the transaction 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(ii) agreements. --------------- ---------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements 1122(d)(4)(iii)requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- ---------------- Payments on mortgage loans, including any payoffs, made in accordance with the related 1122(d)(4)(iv) mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:--------------- ----------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA --------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA --------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced 1122(d)(3)(i) of mortgage loans serviced by the Servicerservicer. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) other terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- [X] --------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicerservicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- [X] --------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- [X] --------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans pool assets is maintained as required by the transaction agreements or related mortgage asset 1122(d)(4)(i) loan pool documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan --------------------------------------------------------------------------------------------------------- Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Payments on mortgage loanspool assets, including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicerservicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- The Servicerservicer's records regarding the mortgage loans pool assets agree with the Servicerservicer's records with respect to an obligor's unpaid 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the 1122(d)(4)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans pool assets with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan related pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA --------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA --------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool asset, or such other number 1122(d)(4)(x) of days specified in the transaction 1122(d)(4)(x) agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other 1122(d)(4)(xi) number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days 1122(d)(4)(xiii) specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- 1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is [X] 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:---------------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- -------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------- Investor Remittances and Reporting ---------------- ---------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Pool Asset Administration ---------------- ---------------- Collateral or security on mortgage loans is maintained as required by the transaction X 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction X 1122(d)(4)(ii) agreements -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements 1122(d)(4)(iii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related 1122(d)(4)(iv) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and 1122(d)(4)(vi) related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by 1122(d)(4)(vii) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment1122(d)(4)(viii)unemployment). -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related mortgage loan 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- -------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the 1122(d)(4)(x) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction 1122(d)(4)(xiii)transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in 1122(d)(4)(xiv) accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------- ---------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________-------------------------------------------------------------------------------- SCHEDULE 1-A LIST OF DOCUMENTS FOR AMERICAN HOME With respect to each Mortgage Loan, the _______________________ Mortgage Loan Documents shall include each of [Name of Servicer] (the "Servicer")following items, certify to [which shall be available for inspection by the Purchaser and any prospective Purchaser], [the Depositor], and which shall be delivered to the [Master Servicer] [Securities Administrator] [Trustee]Custodian, and their officers, with or to such other Person as the knowledge and intent that they will rely upon this certification, thatPurchaser shall designate in writing:

Securities Exchange Act. Unissued checks are X safeguarded so as to prevent unauthorized 1122(d)(2)(vi) access1122(d)(2)(viaccess. -------------------------------------------------------------------------------------------------------------------------------- Reconciliations ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(2)(viReconciliations are X X X prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- Reports ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(3)(i)Reports to investors, X X X including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans Pool Assets serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Amounts due to investors X X X are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction 1122(d)(3)(iitransaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Disbursements made to an X X X investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements1122(d)(3)(iiagreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Amounts remitted to X X X investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) 1122(d)(3)(ivcustodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Pool Asset Administration ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(i)Collateral or security on mortgage loans X pool assets is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(iiPool assets and related X documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(iiAny additions, removals or X substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(ivPayments on mortgage loanspool assets, X including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- The Servicer's records X regarding the mortgage loans pool assets agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance1122(d)(4)(v)balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Changes with respect to X the terms or status of an obligor's mortgage loans pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents1122(d)(4)(vidocuments. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Loss mitigation or X recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements1122(d)(4)(viagreements. -------------------------------------------------------------------------------------------------------------------------------- Records ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(viRecords documenting X collection efforts are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(ixAdjustments to interest X rates or rates of return for mortgage loans pool assets with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(x)Regarding any funds held X in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool assets, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Payments made on behalf of X an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements1122(d)(4)(xiagreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Any late payment penalties X in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission1122(d)(4)(xiomission. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Disbursements made on X behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements1122(d)(4)(xiagreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Delinquencies, charge-offs X X and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements1122(d)(4)(xiagreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements1122(d)(4)(xvagreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re------------------------------------------------------------------------------- [NAME OF COMPANY] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: Name: ________________________________ Title: _, the _______________________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the EXHIBIT S ADDITIONAL FORM 10-D DISCLOSURE Item on Form 10-D Party Responsible Item 1: Distribution and Pool Servicer Performance Information Trust Administrator --------------------------------------- Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Investor Remittances and Reporting ------------------------------------------------------------------------------------------------------ Applicable Servicing Criteria Servicing Criteria ------------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------------ Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced 1122(d)(3)(i) of mortgage loans serviced by the Servicerservicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business days to the Servicerservicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Pool Asset Administration ------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans pool assets is maintained as required by the transaction agreements or related mortgage asset |X| 1122(d)(4)(i) loan pool documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan ------------------------------------------------------------------------------------------------------ Pool assets and related documents are safeguarded as |X| 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Payments on mortgage loanspool assets, including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicerservicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ The Servicerservicer's records regarding the mortgage loans pool assets agree with the Servicerservicer's records with respect to an obligor's unpaid 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Changes with respect to the terms or status of an obligor's mortgage loans pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the 1122(d)(4)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Records documenting collection efforts are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans pool assets with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan related pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Applicable Servicing Criteria Servicing Criteria ------------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------------ Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool asset, or such other number 1122(d)(4)(x) of days specified in the transaction 1122(d)(4)(x) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other 1122(d)(4)(xi) number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days 122(d)(4)(xiii) specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X X 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ---------------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the X X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in X X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X X business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree X X with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Pool Asset Administration ---------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X X X required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X X are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's X X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X X modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during X the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage X loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to X be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within X two business days to the obligor's records maintained by the servicerServicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X(2) 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re---------------------------------------------------------------------------------------------------------------------------- [_______________________] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, __________________________ By:________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatName: Title:

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(2)(vii) ------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(3)(i) ------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:-------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of 1122(d)(2)(vii) days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------- Reference Criteria ------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction X 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial X 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Pool Asset Administration ------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------- Reference Criteria ------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan 1122(d)(4)(iv) documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance X plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained X during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for X mortgage loans with variable rates are computed based on 1122(d)(4)(ix) the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------- Reference Criteria ------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified 1122(d)(4)(x) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of 1122(d)(4)(xi) days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted X within two business days to the obligor's records maintained by the servicer, or such other number of days 1122(d)(4)(xiii) specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in X Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ]------------------------------------------------------------------------------------------------- [WELLS FARGO BANK, 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master ServicerNATIONAL ASSOCIATION] [Securities AdministratorNAME OF SUBSERVICER] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:Date: -------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to X X 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Reconciliations are prepared on a monthly X X basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Reports to investors, including those to X X be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool 1122(d)(3)(i) of mortgage loans Assets serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Amounts due to investors are allocated X X and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction 1122(d)(3)(ii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Disbursements made to an investor are X X posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the 1122(d)(3)(iii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Amounts remitted to investors per the X X investor reports agree with cancelled checks, or other form of payment, or custodial 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Collateral or security on mortgage loans pool assets is X X maintained as required by the transaction agreements or related mortgage pool asset 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan ------------------- ------------------------------------------- ------------ ----------- ---------------- Pool assets and related documents are X X safeguarded as 1122(d)(4)(ii) required by the 1122(d)(4)(ii) transaction agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Any additions, removals or substitutions X to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction 1122(d)(4)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Payments on mortgage loanspool assets, including any X payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan pool asset 1122(d)(4)(iv) documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- The Servicer's records regarding the mortgage loans pool X assets agree with the Servicer's records with respect to an obligor's unpaid 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Changes with respect to the terms or X status of an obligor's mortgage loans pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Loss mitigation or recovery actions X (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction 1122(d)(4)(vii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Records documenting collection efforts X are maintained during the period a mortgage loan pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) illness or unemployment). -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Adjustments to interest rates or rates of X return for mortgage loans pool assets with variable rates are computed based on the related pool 1122(d)(4)(ix) mortgage loan asset documents. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Regarding any funds held in trust for an X obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loanspool assets, or such other number 1122(d)(4)(x) of days specified in the transaction 1122(d)(4)(x) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Payments made on behalf of an obligor X (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Any late payment penalties in connection X with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Disbursements made on behalf of an obligor X are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Delinquencies, charge-offs and X X uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- Any external enhancement or other support, X identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------- ------------------------------------------- ------------ ----------- ---------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ]P FORM 10-D, 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________FORM 8-K AND FORM 10-K REPORTING RESPONSIBILITY As to each item described below, the _______________________ entity indicated as the Responsible Party shall be primarily responsible for reporting the information to the Trust Administrator pursuant to Section 4.07(a)(iv). If the Trust Administrator is indicated below as to any item, then the Trust Administrator is primarily responsible for obtaining that information. Under Item 1 of [Name of Servicer] (Form 10-D: a) items marked "4.02 statement" are required to be included in the "Servicer")periodic Distribution Date statement under Section 4.02, certify to [provided by the Purchaser], [Trust Administrator based on information received from the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee]; and b) items marked "Form 10-D report" are required to be in the Form 10-D report but not the 4.02 statement, and their officers, with provided by the knowledge and intent that they will rely upon this certification, that:party indicated. Information under all other Items of Form 10-D is to be included in the Form 10-D report.

Securities Exchange Act. Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days 1122(d)(2)(vii) specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Investor Remittances and Reporting --------------- -------------------------------- Reports to investors, including those to be 1122(d)(3)(i) filed --------------- -------------------------------- W-2 -------------------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria -------------------------------------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------------------------------------- with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Pool Asset Administration --------------- -------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(ii) agreements. --------------- -------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- --------------- -------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related 1122(d)(4)(iv) mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:--------------- -------------------------------- W-3

Securities Exchange Act. Unissued checks are safeguarded so as to X 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the X transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Investor Remittances and Reporting -------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance X with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number 1122(d)(3)(i) of mortgage loans serviced 1122(d)(3)(i) by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, X distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's X investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other X 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- EXH. B-1-2 -------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria -------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------- Pool Asset Administration -------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction X 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction X 1122(d)(4)(ii) agreements -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved X in accordance with any conditions or 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such X other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with X respect to an obligor's unpaid principal 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed X and approved by authorized personnel in accordance with the transaction agreements and 1122(d)(4)(vi) related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, X conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by 1122(d)(4)(vii) the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and X describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- EXH. B-1-3 -------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria -------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates X are computed based on the related 1122(d)(4)(ix) mortgage loan 1122( d)( 4)(ix) documents. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on X such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified 1122( d)( 4)(x) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such X support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi1122( d)( 4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicerservicer's funds and not X charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, X or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in X 1122(d)(4)(xiv) accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re-------------------------------------------------------------------------------- [AMERICAN HOMX] [XXXX XF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _ By: _________________________________ Name: Title: EXHIBIT C Additionxx Xxxxxxxure Notification Wells Fargo Bank, N.A. as [Securities Administrator and Master Servixxx] 9062 Old Annapolis Road Columbia, Maryland 21045 Fax: (410) 715-2380 X-xxxx: xxx.xxx.xxxxxxxxxxxxx@xxxxxxxxxx.xxx Xttn: Xxxxxxxxx Xxxxt Services - XXX 0000-0XX - XXX XXXXXX XXXXXXXING RE: **Additional Form [ ] Disclosure**Required Ladies and Gentlemen: In accordance with Section [34.03(d)][34.03(e)][34.03(g)] of the Sale and Servicing Agreement, dated as of January 1, 2006, as amended by the Assignment, Assumption and Recognition Agreement dated as of May 1, 2006 among Morgan Stanley Capital I Inc., as Depositor, American Home Mortgage Xxxx., Xxxxx Xargo Bank, National Association, as Master Servicer, and LaSaxxx Xank National Association as Trustee. The Undersigned hereby notifies you that certain events have come to our attention that [Name will][may] need to be disclosed on Form [ ]. Description of ServicerAdditional Form [ ] (Disclosure: List of Any Attachments hereto to be included in the "Servicer"), certify Additional Form [ ] Disclosure: Any inquiries related to [the Purchaserthis notification should be directed to [ ], phone number: [ ]; email address: [ ]. [the Depositor], and the NAME OF PARTY] as [Master Servicerrole] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatBy: __________________ Name: Title:

Securities Exchange Act. Appendix C-1 ------------------------------ -------------------------------------------------- ------------------------------------ Unissued checks are safeguarded so as to 1122(d)(2)(vi) prevent unauthorized 1122(d)(2)(vi) access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Investor Remittances and Reporting ------------------------------ -------------------------------------------------- ------------------------------------ Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ Collateral or security on mortgage loans pool assets is maintained as required by the transaction 1122(d)(4)(i) agreements or related mortgage 1122(d)(4)(i) loan pool asset documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan ------------------------------ -------------------------------------------------- ------------------------------------ Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction 1122(d)(4)(ii) agreements -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements 1122(d)(4)(iii) in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------ -------------------------------------------------- ------------------------------------ Payments on mortgage loanspool assets, including any payoffs, made in accordance with the related mortgage loan pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and 1122(d)(4)(iv) allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-2

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the X Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of 1122(d)(3)(i) of mortgage loans serviced by the Servicer. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days specified in the transaction X 1122(d)(3)(iii) agreements. -------------------------------------------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial X 1122(d)(3)(iv) custodial bank statements. -------------------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA -------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements -------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in accordance with the related mortgage loan documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. -------------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other 1122(d)(4)(vii) requirements established by the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). -------------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------------------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------------------------------------------------------------------------------------