Common use of Servicer Clause in Contracts

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency X 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X calendar days of full repayment of the related mortgage loans, or 1122(d)(4)(x) such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ----------------------------------------------------------------------------------------------------------------- EXHIBIT I --------- SARBANES B FORM OF ANNUAL CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer")Countrywide Home Loans, Inc., certify to [the OwnerPurchaser], [the Depositor], and the [Master Servicer] ], [Securities Administrator] or [Trustee], and their its officers, with the knowledge and intent that they will rely upon this certification, that:

Servicer. Amounts ARM_INDEX_RATE The index the Servicer is using to calculate 4 Max length of 6 6 a forecasted rate. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_BEG_PRIN_BAL The borrower's actual principal balance at 2 No commas(,) or dollar signs ($) 11 the beginning of the processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_END_PRIN_BAL The borrower's actual principal balance at 2 No commas(,) or dollar signs ($) 11 the end of the processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- BORR_NEXT_PAY_DUE_DATE The date at the end of processing cycle that MM/DD/YYYY 10 the borrower's next payment is due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, as reported by Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_1 The first curtailment amount to be applied. 2 No commas(,) or such other number of 1122(d)(3)(iiidollar signs ($) days specified 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_1 The curtailment date associated with the MM/DD/YYYY 10 first curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_ AMT_1 The curtailment interest on the first 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_2 The second curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_2 The curtailment date associated with the MM/DD/YYYY 10 second curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_ AMT_2 The curtailment interest on the second 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_3 The third curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_3 The curtailment date associated with the MM/DD/YYYY 10 third curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_AMT_3 The curtailment interest on the third 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PIF_AMT The loan "paid in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, full" amount as reported 2 No commas(,) or other form of payment, or custodial bank 1122(d)(3)(ivdollar signs ($) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) 11 by the transaction agreements Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PIF_DATE The paid in full date as reported by the MM/DD/YYYY 10 Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTION_CODE The standard FNMA numeric code used to Action Code Key: 15=Bankruptcy, 2 indicate the default/delinquent status of a 30=Foreclosure, , 60=PIF, particular loan. 63=Substitution, 65=Repurchase,70=REO -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- INT_ADJ_AMT The amount of the interest adjustment as 2 No commas(,) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required dollar signs ($) 11 reported by X 1122(d)(4)(ii) 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) 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. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SOLDIER_SAILOR_ADJ_AMT The Soldier and Sailor Adjustment amount, if 2 No commas(,) or such other number dollar signs ($) 11 applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- NON_ADV_LOAN_AMT The Non Recoverable Loan Amount, if 2 No commas(,) or dollar signs ($) 11 applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- LOAN_LOSS_AMT The amount the Servicer is passing as a 2 No commas(,) or dollar signs ($) 11 loss, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_BEG_PRIN_BAL The scheduled outstanding principal amount 2 No commas(,) or dollar signs ($) 11 due at the beginning of days specified in the transaction agreements, and allocated cycle date to principal, interest be passed through to investors. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_END_PRIN_BAL The scheduled principal balance due to 2 No commas(,) or other items dollar signs (e.g., escrow$) in accordance with 11 investors at the related mortgage 1122(d)(4)(ivend of a processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_PRIN_AMT The scheduled principal amount as reported 2 No commas(,) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(vor dollar signs ($) 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 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 established 11 by the transaction 1122(d)(4)(viiServicer for the current cycle -- only applicable for Scheduled/Scheduled Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_NET_INT The scheduled gross interest amount less the 2 No commas(,) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Records documenting collection efforts are maintained during or dollar signs ($) 11 service fee amount for 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Regarding any funds held in trust for an obligor (such current cycle 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 1122(d)(4)(x) number of days specified in the transaction 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 reported by the servicer at least 30 calendar days prior to these dates, Servicer -- only applicable for Scheduled/Scheduled Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_PRIN_AMT The actual principal amount collected by the 2 No commas(,) or such 1122(d)(4)(xidollar signs ($) other number of days specified in 11 Servicer for the transaction agreementscurrent reporting cycle -- only applicable for Actual/Actual Loans. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_NET_INT The actual gross interest amount less the 2 No commas(,) or dollar signs ($) 11 service fee amount for the current reporting cycle as reported by the Servicer -- only applicable for Actual/Actual Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PREPAY_PENALTY_ AMT The penalty amount received when a borrower 2 No commas(,) or dollar signs ($) 11 prepays on behalf of an obligor are paid from his loan as reported by the Servicer's funds and not charged to . -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PREPAY_PENALTY_ WAIVED The prepayment penalty amount for the obligor, unless the 1122(d)(4)(xiiloan 2 No commas(,) late payment 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 dollar signs ($) 11 waived by the servicer, . -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- MOD_DATE The Effective Payment Date of the MM/DD/YYYY 10 Modification for the loan. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- MOD_TYPE The Modification Type. Varchar - value can be alpha or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Delinquencies, charge-offs 30 numeric -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- DELINQ_P&I_ADVANCE_AMT The current outstanding principal and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through 2 No commas(3,) or Item 1115 of Regulation 1122(d)(4)(xvdollar signs ($) AB, is maintained as set forth in the transaction agreements11 interest advances made by Servicer. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:------------------------------------ ---------

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) 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 X 1122(d)(4)(ii) 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 1122(d)(4)(iii) 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 accordance with the related mortgage loan 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:---------------------------------------------------------------------------------------------

Servicer. Amounts ARM_INDEX_RATE The index the Servicer is using to calculate 4 Max length of 6 6 a forecasted rate. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_BEG_PRIN_BAL The borrower's actual principal balance at 2 No commas(,) or dollar signs ($) 11 the beginning of the processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_END_PRIN_BAL The borrower's actual principal balance at 2 No commas(,) or dollar signs ($) 11 the end of the processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- BORR_NEXT_PAY_DUE_DATE The date at the end of processing cycle that MM/DD/YYYY 10 the borrower's next payment is due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, as reported by Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_1 The first curtailment amount to be applied. 2 No commas(,) or such other number of 1122(d)(3)(iiidollar signs ($) days specified 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_1 The curtailment date associated with the MM/DD/YYYY 10 first curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_ AMT_1 The curtailment interest on the first 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_2 The second curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_2 The curtailment date associated with the MM/DD/YYYY 10 second curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_ AMT_2 The curtailment interest on the second 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_AMT_3 The third curtailment amount to be applied. 2 No commas(,) or dollar signs ($) 11 -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SERV_CURT_DATE_3 The curtailment date associated with the MM/DD/YYYY 10 third curtailment amount. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- CURT_ADJ_AMT_3 The curtailment interest on the third 2 No commas(,) or dollar signs ($) 11 curtailment amount, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PIF_AMT The loan "paid in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, full" amount as reported 2 No commas(,) or other form of payment, or custodial bank 1122(d)(3)(ivdollar signs ($) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) 11 by the transaction agreements Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PIF_DATE The paid in full date as reported by the MM/DD/YYYY 10 Servicer. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- Action Code Key: 15=Bankruptcy, 2 ACTION_CODE The standard FNMA numeric code used to indicate 30=Foreclosure, , 60=PIF, the default/delinquent status of a particular 63=Substitution, loan. 65=Repurchase,70=REO -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- INT_ADJ_AMT The amount of the interest adjustment as 2 No commas(,) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required dollar signs ($) 11 reported by X 1122(d)(4)(ii) 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) 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. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SOLDIER_SAILOR_ADJ_AMT The Soldier and Sailor Adjustment amount, if 2 No commas(,) or such other number dollar signs ($) 11 applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- NON_ADV_LOAN_AMT The Non Recoverable Loan Amount, if 2 No commas(,) or dollar signs ($) 11 applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- LOAN_LOSS_AMT The amount the Servicer is passing as a 2 No commas(,) or dollar signs ($) 11 loss, if applicable. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_BEG_PRIN_BAL The scheduled outstanding principal amount 2 No commas(,) or dollar signs ($) 11 due at the beginning of days specified in the transaction agreements, and allocated cycle date to principal, interest be passed through to investors. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_END_PRIN_BAL The scheduled principal balance due to 2 No commas(,) or other items dollar signs (e.g., escrow$) in accordance with 11 investors at the related mortgage 1122(d)(4)(ivend of a processing cycle. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_PRIN_AMT The scheduled principal amount as reported 2 No commas(,) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(vor dollar signs ($) 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 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 established 11 by the transaction 1122(d)(4)(viiServicer for the current cycle -- only applicable for Scheduled/Scheduled Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- SCHED_NET_INT The scheduled gross interest amount less the 2 No commas(,) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Records documenting collection efforts are maintained during or dollar signs ($) 11 service fee amount for 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Regarding any funds held in trust for an obligor (such current cycle 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 1122(d)(4)(x) number of days specified in the transaction 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 reported by the servicer at least 30 calendar days prior to these dates, Servicer -- only applicable for Scheduled/Scheduled Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_PRIN_AMT The actual principal amount collected by the 2 No commas(,) or such 1122(d)(4)(xidollar signs ($) other number of days specified in 11 Servicer for the transaction agreementscurrent reporting cycle -- only applicable for Actual/Actual Loans. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- ACTL_NET_INT The actual gross interest amount less the 2 No commas(,) or dollar signs ($) 11 service fee amount for the current reporting cycle as reported by the Servicer -- only applicable for Actual/Actual Loans. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PREPAY_PENALTY_ AMT The penalty amount received when a borrower 2 No commas(,) or dollar signs ($) 11 prepays on behalf of an obligor are paid from his loan as reported by the Servicer's funds and not charged to . -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- PREPAY_PENALTY_ WAIVED The prepayment penalty amount for the obligor, unless the 1122(d)(4)(xiiloan 2 No commas(,) late payment 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 dollar signs ($) 11 waived by the servicer, . -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- MOD_DATE The Effective Payment Date of the MM/DD/YYYY 10 Modification for the loan. -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- MOD_TYPE The Modification Type. Varchar - value can be alpha or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Delinquencies, charge-offs 30 numeric -------------------------- ---------------------------------------------- --------- ------------------------------------ --------- DELINQ_P&I_ADVANCE_AMT The current outstanding principal and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through 2 No commas(3,) or Item 1115 of Regulation 1122(d)(4)(xvdollar signs ($) AB, is maintained as set forth in the transaction agreements11 interest advances made by Servicer. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:------------------------------------ ---------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer/Trustee ------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of Servicer/Trustee 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank Servicer/Trustee 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X Servicer/Trustee 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X Trustee 1122(d)(4)(ii) 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee/Servicer ------------------------------------------------------------------------------------------------------------------ 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 accordance with the related mortgage Servicer 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 Servicer 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency Servicer 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 Servicer days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 Servicer 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 1122(d)(4)(xiii) specified in the transaction Servicer 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained Trustee 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ------------------------------------------------------------------------------------------------------------------ EXHIBIT I --------- SARBANES CERTIFICATION ReQ ADDITIONAL FORM 10-D DISCLOSURE -------------------------------------------------------------------------------- Item on Form 10-D Party Responsible -------------------------------------------------------------------------------- Item 1: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Distribution and Pool Servicer] (the "Servicer"), certify to [the Owner], [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:/Trustee Performance Information

Servicer. Amounts due to investors are allocated and remitted in accordance X X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are X X X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) 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 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. ---------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. Statements X -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related X 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements X -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or X 1122(d)(4)(iii) 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 X transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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, X reviewed and approved by authorized personnel in accordance with 1122(d)(4)(vi) the transaction agreements and related pool 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 X concluded in accordance with the timeframes or other requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) X delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan X 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

Servicer. W-2 --------------------- ---------------------- Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank statements. 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 1122(d)(4)(i) --------------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- 1122(d)(4)(iii) --------------------- ---------------------- 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 1122(d)(4)(ix) --------------------- ---------------------- 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 1122(d)(4)(x) number of days specified 1122(d)(4)(x) in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- W-4 --------------------- ---------------------- 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- 1122(d)(4)(xiii) --------------------- ---------------------- 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 1122(d)(4)(xv) --------------------- ---------------------- -------------------------------------------------------------------- --------------------- -------------------------------------------------------------------- ---------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF CO-TRUSTEE] [NAME OF SUBSERVICER] Date: --------------------------- By: ---------------------------------------- Name: Title: EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ X [FORM OF] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _____________________LIST OF ITEM 1119 PARTIES ALTERNATIVE LOAN TRUST 200_-__ of MORTGAGE PASS-THROUGH CERTIFICATES, Series 200_-__ [Name of ServicerDate] ---------------------------------------- ----------------------------------------------------------------------------- Party Contact Information ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- EXHIBIT Y FORM OF SARBANES-OXLEY CERTIFICATION (the "Servicer"REPLACEMENT OF MASTER SERVICER), certify to [the Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in X accordance X with timeframes, distribution priority and other terms 1122(d)(3)(ii) set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X business X 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 X agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X required X 1122(d)(4)(i) by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X X(1) 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- agreements. --------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X are X made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X X(2) 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 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 authorised 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 1122(d)(4)(vii) requirements established by the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- ---------- -------------------------------------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Performed Inapplicable Servicing by Servicing Criteria Vendor(s) Criteria -------------------------------------------------------------------------------------------------------------------------------- Reference Criteria --------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during X the X period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are arc maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 X with variable rates are computed based on the related 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X 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 1122(d)(4)(x) number of days 1122(d)(4)(x) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted X within two X business days to the obligor's records maintained by the servicer, or such other number of days specified in 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:-------------------------------------------------------------------------------------------------------------------------------- ----------

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------ 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in Securities accordance X with timeframes, distribution priority and Administrator/Servicer/Master 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ---------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within Securities two business X days to the Servicer's investor records, Administrator/Servicer/Master or such other number of 1122(d)(3)(iii) days specified in the Servicer 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports Securities agree with X cancelled checks, or other form of payment, Administrator/Servicer/Master 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ---------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is Custodian/ Securities maintained as required X 1122(d)(4)(i) by the transaction agreements Administrator/Servicer 1122(d)(4)(i) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as Custodian/Securities 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator/Servicer ---------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset Servicer/Securities pool are X made, reviewed and approved in accordance Administrator with any conditions or 1122(d)(4)(iii) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, Servicer 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans Servicer agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an Servicer 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 asset 1122(d)(4)(vi) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance Servicer 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained Servicer 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for Servicer mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such Servicer 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 of 1122(d)(4)(x) number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or Servicer 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any Servicer payment to be X 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 was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted Servicer within two X business days to the obligor's records maintained by the servicer, or such other number of days 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts Servicer are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified Securities Administrator in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ---------------------------------------------------------------------------------------------------------- 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 Owner], [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:U ADDITIONAL FORM 10-D DISCLOSURE

Servicer. Amounts due to investors are allocated and remitted in accordance X Servicer/Trustee with timeframes, distribution priority and other terms set forth in the transaction 1122(d)(3)(ii) the transaction agreements. Servicer/Trustee -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of Servicer/Trustee 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank Servicer/Trustee 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) Servicer/Trustee by the transaction agreements 1122(d)(4)(i) or related mortgage loan documents. Servicer/Trustee -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X Trustee 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any additions, removals or substitutions to the asset pool are X Trustee/Servicer made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) requirements in the 1122(d)(4)(iii) transaction agreements. Trustee/Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Payments on mortgage loans, including any payoffs, made in X Servicer 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Changes with respect to the terms or status of an obligor's X Servicer 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X Servicer 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) established by the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Records documenting collection efforts are maintained during the X Servicer 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X Servicer with variable rates are computed 1122(d)(4)(ix) based on 1122(d)(4)(ix) the related mortgage loan documents. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- P-2 ------------------------------------------------------------------------------------------ ---------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria -------------------- --------------------------------------------------------------------- ---------------------- Regarding any funds held in trust for an obligor (such as escrow X Servicer 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 1122(d)(4)(x) number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Payments made on behalf of an obligor (such as tax or insurance X Servicer 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X Servicer 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 was due to the obligor's error or 1122(d)(4)(xii) omission. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(xiii) specified in the transaction Servicer 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Delinquencies, charge-offs and uncollectible accounts are X Servicer recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained Trustee 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ---------------------- -------------------- --------------------------------------------------------------------- ---------------------- EXHIBIT I --------- SARBANES CERTIFICATION ReQ ADDITIONAL FORM 10-D DISCLOSURE ------------------------------------------------- ----------------------------------------------- Item on Form 10-D Party Responsible ------------------------------------------------- ----------------------------------------------- Item 1: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], Distribution and the [Master Servicer] [Securities Administrator] [Pool Performance Servicer Information Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ----------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the X X 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, X X 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X X ----------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X 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) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X X ----------------------------------------------------------------------------------------------------------------------- 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 accordance X 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------------- 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 asset X X 1122(d)(4)(vi) 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 established by X X 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling X plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------------- 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 X the related mortgage loans, or such other number of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the X 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the X 1122(d)(4)(xii) 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 servicerServicer, or such other number of days X 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ----------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the X(3) 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other X 1122(d)(3)(ii) terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or X 1122(d)(3)(iii) such other number of 1122(d)(3)(iii) days ofdays specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, X 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan X 1122(d)(4)(i) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) by the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------- ---------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or X 1122(d)(4)(iii) 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 X specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal X 1122(d)(4)(v) 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, X reviewed and approved by authorized personnel in accordance with 1122(d)(4)(vi) the transaction agreements and related pool 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 X 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 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 X monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- -------------------------------------------------------------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on the related X 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:--------------------- -------------------------------------------------------------------- ----------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Collateral or security on mortgage loans is maintained as required X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) 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 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained X X 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ]----------- ---------- [BANK OF AMERICA, 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], and the [Master ServicerNATIONAL ASSOCIATION] [Securities AdministratorWELLS FARGO BANK, N.A.] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:Date: ------------------------------ 6. By: Name: -------------------------------------- Title: -------------------------------------- EXHIBIT R-1 ADDITIONAL FORM 10-D INFORMATION

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------- ----------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related X 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------- Exh 17-2 --------------------------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------- ----------------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------- ----------------------- 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re----------------------- ----------------------- --------------------------------------------------------------------------------------------------------------------- [SERVICER] [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 Owner], [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:Name: Title: Exh 17-3 EXHIBIT 18 ---------- Foreclosure Rights

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer/Trustee ------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of Servicer/Trustee 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank Servicer/Trustee 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X Servicer/Trustee 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X Trustee 1122(d)(4)(ii) 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee/Servicer ------------------------------------------------------------------------------------------------------------------ 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 accordance with the related mortgage Servicer 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 Servicer 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency Servicer 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 Servicer days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 Servicer 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ 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 1122(d)(4)(xiii) specified in the transaction Servicer 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------ Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer ------------------------------------------------------------------------------------------------------------------ Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained Trustee 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ------------------------------------------------------------------------------------------------------------------ EXHIBIT I --------- SARBANES CERTIFICATION ReU ADDITIONAL FORM 10-D DISCLOSURE -------------------------------------------------------------------------------- Item on Form 10-D Party Responsible -------------------------------------------------------------------------------- Item 1: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Distribution and Pool Servicer] (the "Servicer"), certify to [the Owner], [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:/Trustee Performance Information

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency X 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X calendar days of full repayment of the related mortgage loans, or 1122(d)(4)(x) such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ----------------------------------------------------------------------------------------------------------------- EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] CC REPRESENTATIONS AND WARRANTIES AGREEMENT This REPRESENTATIONS AND WARRANTIES AGREEMENT (the "Agreement"), among [IDENTIFY PARTIES] Idated as of May 31, ________________________________, the _______________________ of [Name of Servicer] 2007 (the "ServicerClosing Date"), certify to [is between MORGAN STANLEY MORTGAGE CAPITAL INC. (the Owner], ["Sponsor") and MORGAN STANLEY XXX XAXXXXX X INC. (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:").

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency X 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X calendar days of full repayment of the related mortgage loans, or 1122(d)(4)(x) such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ----------------------------------------------------------------------------------------------------------------- EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] DD REPRESENTATIONS AND WARRANTIES AGREEMENT This REPRESENTATIONS AND WARRANTIES AGREEMENT (the this "Agreement"), among [IDENTIFY PARTIES] Idated as of September 28, ________________________________, the _______________________ of [Name of Servicer] 2007 (the "ServicerClosing Date"), certify to [is between MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS LLC, successor in interest by xxxxxx xx XXXXAN STANLEY MORTGAGE CAPITAL INC. (the Owner], ["Sponsor") and MORGAN STANLEY XXX XAXXXXX X INC. (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:").

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank statements. 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by X 1122(d)(4)(ii) 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee/Servicer --------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of Trustee/Servicer 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank Trustee/Servicer 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X Trustee/Servicer 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X Trustee/Servicer 1122(d)(4)(ii) 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee/Servicer --------------------------------------------------------------------------------------------------------------- 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 accordance with the related mortgage Servicer 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------------------- 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------------------- 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 Servicer 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency Servicer 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------------------- 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 Servicer days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 Servicer 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(xiii) specified in the transaction Servicer 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer/Trustee --------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained Trustee, if 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exhapplicable. H-3 --------------------------------------------------------------------------------------------------------------- EXHIBIT I --------- SARBANES CERTIFICATION ReQ ADDITIONAL FORM 10-D DISCLOSURE ----------------------------------------------------------- ---------------------------------------------------------- Item on Form 10-D Party Responsible ----------------------------------------------------------- ---------------------------------------------------------- Item 1: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Distribution and Pool Performance Servicer Information Trustee Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and X 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or X such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, X 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related X 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- Mortgage loan and related documents are safeguarded as 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------- -------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with X any conditions or 1122(d)(4)(iii) requirements in the transaction 1122(d)(4)(iii) 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 X other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the 1122(d)(4)(iv) related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an X 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 X personnel in accordance with the transaction 1122(d)(4)(vi) the transaction agreements and related pool 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 X initiated, conducted and concluded in accordance with the timeframes or other requirements established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 X other period specified in the transaction agreements, and describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on X 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:-------------------------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool asset documents. -------------------- ---------------------- S-2 ------------------------------------------------------------------------------------------ ---------------------- Servicing Criteria Applicable Servicing 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 requirements established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction 1122(d)(4)(xi) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re---------------------- -------------------- --------------------------------------------------------------------- ---------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: ____________________________ Name: Title: EXHIBIT T [FORM OF] LIST OF ITEM 1119 PARTIES MORTGAGE PASS-THROUGH CERTIFICATES, Series 200_-______ [Date] ---------------------------------------- ----------------------------------------------------------------------------- Party Contact Information ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- EXHIBIT U FORM OF SARBANES-OXLEY CERTIFICATION (Replacement of Master Servicer) Re: Alternative Loan Trust 2006-OA1, Mortgage Pass-Through Certificates, Series 2006-OA1 The undersigned Servicer hereby certifies to the Depositor and its officers, directors and Affiliates (collectively, the _______________________ of [Name of Servicer] (the "ServicerCertification Parties"), certify to [the Owner], [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 Fund to be signed by an officer of the Depositor and submitted to the Securities and Exchange Commission pursuant to the Sarbanes-Oxley Act of 2002:

Servicer. Amounts due to investors are allocated and remitted in X accordance X with timeframes, distribution priority and other terms 1122(d)(3)(ii) set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X business X 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 X agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as X required X 1122(d)(4)(i) by the transaction agreements or related mortgage 1122(d)(4)(i) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X X(1) 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- agreements. --------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X are X made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or 1122(d)(4)(iii) 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 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 authorised 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 1122(d)(4)(vii) requirements established by the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during X the X period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are arc maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 X with variable rates are computed based on the related 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X 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 1122(d)(4)(x) number of days 1122(d)(4)(x) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment X to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted X within two X business days to the obligor's records maintained by the servicer, or such other number of days specified in 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:--------------------------------------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ----------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the X X 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, X X 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X X ----------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X 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) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X X ----------------------------------------------------------------------------------------------------------------- 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 accordance X 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 asset X X 1122(d)(4)(vi) 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 established by X X 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling X plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ----------------------------------------------------------------------------------------------------------------- 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 X the related mortgage loans, or such other number of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the X 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the X 1122(d)(4)(xii) 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 servicerServicer, or such other number of days X 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ----------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the X(3) 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- 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 X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency X 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- 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 X days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- X --------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two X business days to the obligor's records maintained by the servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X --------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained X X 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re--------------------------------------------------------------------------------------------------------------- [BANK OF AMERICA, NATIONAL ASSOCIATION] [WELLS FARGO BANK, N.A.] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: Namx: ________________________________ Title: _, the _______________________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], EXHIBIT R-1 ADDITIONAL FORM 10-D INFORMATION Item on Form 10-D Party Responsible -------------------------------------------------------------------------------- Item 1: Distribution and the [Master Servicer] [Securities Administrator] [Pool Depositor Performance Information Servicer Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 1122(d)(4)(i) Collateral or security on mortgage loans is maintained as X required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration ---------------------- POOL ASSET ADMINISTRATION -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X [X] 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X [X] 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- ---------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA ---------------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA ---------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or [X] 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------- CHF ---------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA ---------------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA ---------------------------------------------------------------------------------------------------------------- GENERAL SERVICING CONSIDERATIONS

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) by the transaction agreements 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set 1122(d)(3)(ii) forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction 1122(d)(4)(i) agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Mortgage loan and related documents are safeguarded as required by X the transaction 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- 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) 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 accordance with the related mortgage 1122(d)(4)(iv) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established 1122(d)(4)(vii) by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(vii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ---------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:---------------- ----------------

Servicer. Amounts due to investors are allocated and remitted in accordance X X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- agreements. ------------------------------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are X X X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) 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 X(3) 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

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 in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) 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 X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- 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) 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- --------------------------------------------------------------------------------------------------------- Applicable Servicing Criteria Servicing 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 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) 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) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- 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 1122(d)(4)(x) number 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ----------------- Any late payment penalties in connection with any payment to be X 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 was due 1122(d)(4)(xii) 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 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 Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re---------------- ----------------- --------------------------------------------------------------------------------------------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: ________________________________ Name: Title: EXHIBIT T [FORM OF] LIST OF ITEM 1119 PARTIES MORTGAGE PASS-THROUGH CERTIFICATES, Series 200_-__ [Date] ------------------------------------------------------------------------------ Party Contact Information ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ T-1 EXHIBIT U FORM OF SARBANES-OXLEY CERTIFICATION (Replacement of Master Servicer) Re: Alternative Loan Trust 2006-OA1, Mortgage Pass-Through Certificates, -------------------------------------------------------------------- Series 2006-OA1 --------------- The undersigned Servicer hereby certifies to the Depositor and its officers, directors and Affiliates (collectively, the _______________________ of [Name of Servicer] (the "ServicerCertification Parties"), certify to [the Owner], [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 Fund to be signed by an officer of the Depositor and submitted to the Securities and Exchange Commission pursuant to the Sarbanes-Oxley Act of 2002:

Servicer. Amounts due to investors are allocated and remitted in X X accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the X X 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, X X 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Collateral or security on mortgage loans is maintained X X X as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) required by the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Any additions, removals or substitutions to the asset X X X pool are X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Payments on mortgage loans, including any payoffs, X 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- The Servicer's records regarding the mortgage loans X agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Changes with respect to the terms or status of an X X 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 asset 1122(d)(4)(vi) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Loss mitigation or recovery actions (e.g., forbearance X X 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Records documenting collection efforts are maintained X 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Adjustments to interest rates or rates of return for X mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Regarding any funds held in trust for an obligor (such X 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 of 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 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Any late payment penalties in connection with any X payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days X 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Delinquencies, charge-offs and uncollectible accounts X X are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------- -------------------------------------------------------- --------- --------- ---------- ----------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the X(3) 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I ------------------- -------------------------------------------------------- --------- SARBANES CERTIFICATION Re--------- ---------- ----------- [_______________________] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatBy: ---------------------------------- Name: Title:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in the X 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of days specified X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ---------------------------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required by X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by the X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or requirements X 1122(d)(4)(iii) 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, X 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 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal X 1122(d)(4)(v) 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 X approved by authorized personnel in accordance with the transaction 1122(d)(4)(vi) the transaction agreements and related pool 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 X concluded in accordance with the timeframes or other requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 X describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------- Applicable Servicing Servicing Criteria Criteria ---------------------------------------------------------------------------------------------------------------------- Reference Criteria ---------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan X 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- 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 X 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 1122(d)(4)(x) number of days specified 1122(d)(4)(x) in the transaction 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, X provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such 1122(d)(4)(xi) other number of days 1122(d)(4)(xi) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicerservicer's funds and not charged X to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error 1122(d)(4)(xii) 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 X 1122(d)(4)(xiii) such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and X 1122(d)(4)(xiv) recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth 1122(d)(4)(xv) in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re---------------------------------------------------------------------------------------------------------------------- [THE HEMISPHERE NATIONAL BANK] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ______________________________ By: ___, the ___________________________ Name: Title: EXHIBIT C-1 Additional Disclosure Notification Wells Fargo Bank, N.A. as [Securities Administrator and Master Sxxxxxer] 9062 Old Annapolis Road Columbia, Maryland 21045 Fax: (410) 715-0000 X-xxxx: xxx.xxx.xxxxxxxxxxxxx@xxxxxxxxxx.xom Attx: Xxxxxxxxx Trust Servxxxx - XXX 0000-0XX - XXX XXXXXX XXXCESSING 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 December 1, 2005, as amended by the Assignment, Assumption and Recognition Agreement dated as of [Name of Servicer] (the "Servicer"), certify to [the Ownerdate], among Morgan Stanley Capital I Inc., as Depositor, The Hemisphere Natixxxx Xaxx, Xxxls Fargo Bank, National Association, as Master Servicer, and XxXxxle Bank National Association as Trustee. The Undersigned hereby notifies you that certain events have come to our attention that [will][may] need to be disclosed on Form [ ]. Description of Additional Form [ ] Disclosure: List of Any Attachments hereto to be included in the DepositorAdditional Form [ ] Disclosure: Any inquiries related to this notification should be directed to [ ], and the phone number: [ ]; email address: [ ]. [Master ServicerNAME OF PARTY] as [Securities Administratorrole] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatBy: ______________________ Name:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements X 1122(d)(4)(i) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Mortgage loan and related documents are safeguarded X 1122(d)(4)(ii) as required by X 1122(d)(4)(ii) 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) requirements in the 1122(d)(4)(iii) 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 accordance with the 1122(d)(4)(iv) related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- --------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA 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 of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------- ------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:--------------------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in X accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Disbursements made to an investor are posted within two X business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Amounts remitted to investors per the investor reports X agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Collateral or security on mortgage loans is maintained X X as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) required by the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any additions, removals or substitutions to the asset X pool are X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Payments on mortgage loans, including any payoffs, made X 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 accordance with the 1122(d)(4)(iv) related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- The Servicer's records regarding the mortgage loans X agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Changes with respect to the terms or status of an X 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 asset 1122(d)(4)(vi) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Loss mitigation or recovery actions (e.g., forbearance X 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 established by the transaction 1122(d)(4)(vii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Records documenting collection efforts are maintained X 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Adjustments to interest rates or rates of return for X mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Regarding any funds held in trust for an obligor (such X 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 of 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 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any late payment penalties in connection with any X payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error 1122(d)(4)(xii) or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Disbursements made on behalf of an obligor are posted X within two X business days to the obligor's records maintained by the servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Delinquencies, charge-offs and uncollectible accounts X X are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction 1122(d)(4)(xv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I ----------------- -------------------------------------------------------- --------- SARBANES CERTIFICATION Re-------- [BANK OF AMERICA, NATIONAL ASSOCIATION] [WELLS FARGO BANK, N.A.] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: Namx: ________________________________ Title: _, the _______________________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], EXHIBIT R-1 ADDITIONAL FORM 10-D INFORMATION ------------------------------------------------- ----------------------------------------------- Item on Form 10-D Party Responsible ------------------------------------------------- ----------------------------------------------- Item 1: Distribution and the [Master Servicer] [Securities Administrator] [Pool Performance Depositor Information Servicer Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set 1122(d)(3)(ii) forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified 1122(d)(3)(iiispecified in the transaction agreements. -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan 1122(d)(4)(i) documents. -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required by X the transaction 1122(d)(4)(ii) 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) mortgage loan documents. -------------------- --------------------------------------------------------------------- ---------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii)temporary (e.g., illness 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) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:---------------- ------------------

Servicer. Securities Amounts due to investors are allocated and remitted in Administrator/ accordance X with timeframes, distribution priority and Servicer/Master 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer -------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within Securities two business X days to the Servicer's investor records, Administrator/ or such other number of 1122(d)(3)(iii) days specified in the Servicer/Master 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer -------------------------------------------------------------------------------------------------- Securities Amounts remitted to investors per the investor reports Administrator/ agree with X cancelled checks, or other form of payment, Servicer/Master 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer -------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements Custodian/ Securities 1122(d)(4)(i) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator/Servicer -------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as Custodian/Securities 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator/Servicer -------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance Servicer/Securities with any conditions or 1122(d)(4)(iii) requirements in the transaction Administrator 1122(d)(4)(iii) 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 Servicer receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an Servicer 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 Servicer authorized personnel in accordance with 1122(d)(4)(vi) the transaction agreements and related pool asset 1122(d)(4)(vi) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X 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 requirements established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 Servicer agreements, and describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on Servicer 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- 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 Servicer 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 of 1122(d)(4)(x) number of days specified in the transaction 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, Servicer provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicerservicer's funds and not charged to the Servicer obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 Servicer 1122(d)(4)(xiii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction Servicer 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Securities Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the Administrator 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 -------------------------------------------------------------------------------------------------- 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 Owner], [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:U ADDITIONAL FORM 10-D DISCLOSURE

Servicer. Amounts due to investors are X X X allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in the 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Disbursements made to an X X X investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Amounts remitted to investors X X X per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) bank statements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- POOL ASSET ADMINISTRATION ------------------ ---------------------------------- ------------ ------------- -------------- Collateral or security on mortgage loans pool X X assets is maintained as required X 1122(d)(4)(i) by the transaction agreements or 1122(d)(4)(i) related mortgage loan pool asset documents. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Mortgage loan Pool assets and related X X X documents are safeguarded as required by X the transaction 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Any additions, removals or X X X substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or requirements in 1122(d)(4)(iii) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Payments on mortgage loanspool assets, X X including any payoffs, made in X 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 accordance with the related mortgage pool 1122(d)(4)(iv) loan asset documents. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- The Servicer's records regarding X X the mortgage loans pool assets agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Changes with respect to the X X terms or status of an obligor's X mortgage loans pool assets (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 X X 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 established by the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Records documenting collection X X efforts are maintained during the X 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 1122(d)(4)(viii) delinquent mortgage loans pool assets including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Adjustments to interest rates or X X rates of return for mortgage loans X pool assets with variable rates are computed based on the related pool asset 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Regarding any funds held in X X trust for an obligor (such as escrow X 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 1122(d)(4)(x) number of days specified in the 1122(d)(4)(x) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Payments made on behalf of an X X 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Any late payment penalties in X X connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error 1122(d)(4)(xii) or omission. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Disbursements made on behalf of X X an obligor are posted within two X 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 X X uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Any external enhancement or [X] other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ ---------------------------------- ------------ ------------- -------------- Exh. H-3 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 _______________________ of [Name of Servicer] (entity indicated as the "Servicer"), certify Responsible Party shall be responsible for reporting the information to [the Owner], [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:Trustee pursuant to Section 8.17(a)(iv):

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- ---------------------- ----------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [the Depositor]Purchaser and any prospective Purchaser, 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:

Servicer. Amounts due to investors are allocated and remitted in accordance X X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X X 1122(d)(3)(iv) statements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Pool Asset Administration -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Collateral or security on mortgage loans is maintained as required X X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) the transaction agreements -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Any additions, removals or substitutions to the asset pool are X X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- X ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- 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 X(2) Item X 1114(a)(1) through (3) or Item 1115 of Regulation AB, 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X 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 X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by the transaction 1122(d)(4)(vii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Y-2 ----------------------------------------------------------------------------------------------------------------- Servicing Criteria Applicable Servicing Criteria ----------------------------------------------------------------------------------------------------------------- Reference Criteria ----------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction 1122(d)(4)(xi) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re---------------------- ----------------------------------------------------------------------------------------------------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: _________________________________ Name: Title: EXHIBIT Z [FORM OF] LIST OF ITEM 1119 PARTIES ASSET BACKED CERTIFICATES, the _____________________Series 200_-__ of [Name of ServicerDate] ------------------------------------------------------------------------------- Party Contact Information ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- EXHIBIT AA FORM OF SARBANES-OXLEY CERTIFICATION (the "Servicer"), certify to [the Owner], [the Depositor], and the [Replacement Master Servicer] ) (On file with Trustee) SCHEDULE I PREPAYMENT CHARGE SCHEDULE AND PREPAYMENT CHARGE SUMMARY [Securities Administrator] [Trustee], Delivered to Trustee at closing and their officers, on file with the knowledge and intent that they will rely upon this certification, that:Trustee.] SCHEDULE II COLLATERAL SCHEDULE ---------------------------------------------------------------------------------------------------- Characteristic Applicable Mortgage Loans Section ---------------------------------------------------------------------------------------------------- Single-Family Detached Dwellings 2.03(b)(32) 69.88% ---------------------------------------------------------------------------------------------------- Two- to Four-Family Dwellings 2.03(b)(32) 2.53% ---------------------------------------------------------------------------------------------------- Low-Rise Condominium Units 2.03(b)(32) 7.32% ---------------------------------------------------------------------------------------------------- High-Rise Condominium Units 2.03(b)(32) 0.56% ---------------------------------------------------------------------------------------------------- Manufactured Housing 2.03(b)(32) 0.00% ---------------------------------------------------------------------------------------------------- PUDs 2.03(b)(32) 19.72% ---------------------------------------------------------------------------------------------------- Earliest Origination Date 2.03(b)(33) 9/1/00 ---------------------------------------------------------------------------------------------------- Prepayment Penalty 2.03(b)(35) 37.06% ---------------------------------------------------------------------------------------------------- Investor Properties 2.03(b)(36) 4.41% ---------------------------------------------------------------------------------------------------- Primary Residences 2.03(b)(36) 92.71% ---------------------------------------------------------------------------------------------------- Lowest Current Mortgage Rate 2.03(b)(48) 5.000% ---------------------------------------------------------------------------------------------------- Highest Current Mortgage Rate 2.03(b)(48) 15.500% ---------------------------------------------------------------------------------------------------- Weighted Average Current Mortgage Rate 2.03(b)(48) 8.249% ---------------------------------------------------------------------------------------------------- Date on or before which each Initial Mortgage Loan has a Due Date 2.03(b)(51) 5/1/06 ----------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as X X X required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan 1122(d)(4)(i) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) by the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are X X X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with X the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage X loans X with variable rates are computed based on the related 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ 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 1122(d)(4)(x) such other 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due 1122(d)(4)(xii) 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 servicerServicer, 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 X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any external enhancement or other support, identified in Item X X(3) 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ ------------------------------------------------------------------------------------------------------------------------------------ [_______________________] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, Date:_________________________ By:________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. X X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) 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) requirements in the transaction agreements. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- 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 X 1122(d)(4)(vi) the transaction agreements and related pool 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 X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- X letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- 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 X days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the X 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. X 1122(d)(4)(xiii) -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. X X -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------- ---------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation AB, 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. X X -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re----------- ---------- [SERVICER] [WELLS FARGO BANK, N.A.] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, By: ________________________________ Name: _, the _______________________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [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:Title: ________________________________ EXHIBIT R-1 ADDITIONAL FORM 10-D INFORMATION ----------------------------------------------------------- ---------------------------------------------------------- Item on Form 10-D Party Responsible ----------------------------------------------------------- ----------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and X 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or X 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related X 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or X 1122(d)(4)(iii) 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 X 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal X 1122(d)(4)(v) 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 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:-----------------------------------------------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. X -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as X required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:----------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and X X other terms set forth in the transaction 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such X other number of 1122(d)(3)(iii) days specified in the 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or X 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related X 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required by the X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- agreements. --------------------------- ------------------------------------------ ---------------- --------------------- ------------------ -------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or requirements in 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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 established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:--------------------------- ------------------------------------------ ---------------- --------------------- ------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X Securities with timeframes, distribution priority and other terms set forth in Administrator/Servicer/Master 1122(d)(3)(ii) the transaction agreements. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Disbursements made to an investor are posted within two business X Securities days to the Servicer's investor records, or such other number of Administrator/Servicer/Master 1122(d)(3)(iii) days specified in the transaction agreements. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Amounts remitted to investors per the investor reports agree with X Securities cancelled checks, or other form of payment, or custodial bank Administrator/Servicer/Master 1122(d)(3)(iv) statements. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Collateral or security on mortgage loans is maintained as required X Custodian/ Securities 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. Administrator/Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Mortgage loan and related documents are safeguarded as required by X Custodian/Securities 1122(d)(4)(ii) the transaction agreements Administrator/Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Any additions, removals or substitutions to the asset pool are X Servicer/Securities made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) requirements in the transaction agreements. Administrator -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Payments on mortgage loans, including any payoffs, made in X Servicer 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Changes with respect to the terms or status of an obligor's X Servicer 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X Servicer 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) established by the transaction 1122(d)(4)(vii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Records documenting collection efforts are maintained during the X Servicer 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Adjustments to interest rates or rates of return for mortgage loans X Servicer with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Regarding any funds held in trust for an obligor (such as escrow X Servicer 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 1122(d)(4)(x) number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Payments made on behalf of an obligor (such as tax or insurance X Servicer 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Any late payment penalties in connection with any payment to be X Servicer 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) agreements. Servicer -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Delinquencies, charge-offs and uncollectible accounts are X Servicer recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------- Any external enhancement or other support, identified in Item X Securities Administrator 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 -------------------------------- 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 Owner], [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:U ADDITIONAL FORM 10-D DISCLOSURE

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ------------------------------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X X 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Collateral or security on mortgage loans is maintained as required X X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) 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) requirements in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ------------------------------------------------------------------------------------------------------------------------------------ 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 accordance with the related mortgage X 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------------------------ 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 asset documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ------------------------------------------------------------------------------------------------------------------------------------ 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 X X 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency X 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------------------------ 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 X days of full repayment of the related mortgage loans, or such other 1122(d)(4)(x) number of days specified in the transaction 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 X 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- X ------------------------------------------------------------------------------------------------------------------------------------ Disbursements made on behalf of an obligor are posted within two X business days to the obligor's records maintained by the servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ------------------------------------------------------------------------------------------------------------------------------------ Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- X X ------------------------------------------------------------------------------------------------------------------------------------ Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained X(2) 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in Securities accordance X with timeframes, distribution priority and Administrator/Servicer/Master 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, Securities or such other number of 1122(d)(3)(iii) days specified in the Administrator/Servicer/Master 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports Securities agree with X cancelled checks, or other form of payment, Administrator/Servicer/Master 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements Custodian/ Securities 1122(d)(4)(i) or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator/Servicer --------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as Custodian/Securities 1122(d)(4)(ii) required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator/Servicer --------------------------------------------------------------------------------------------------- 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) requirements in the transaction Servicer/Securities 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Administrator --------------------------------------------------------------------------------------------------- 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 accordance Servicer 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------- 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 asset Servicer 1122(d)(4)(vi) 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 established by Servicer 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling Servicer plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Servicer --------------------------------------------------------------------------------------------------- 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 Servicer the related mortgage loans, or such other number of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the Servicer 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X 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 was due to the Servicer 1122(d)(4)(xii) 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 Servicer 1122(d)(4)(xiii) days specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------------------------- REG AB SERVICING CRITERIA APPLICABLE INAPPLICABLE REFERENCE SERVICING CRITERIA SERVICING CRITERIA ----------------------------------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION ----------------------------------------------------------------------------------------------------------------------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan 1122(d)(4)(i) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 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) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 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) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(x) number 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due 1122(d)(4)(xii) 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 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 Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 ----------------------------------------------------------------------------------------------------------------------------------- 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 OwnerPurchaser], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- agreements. --------------------- ---------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with 1122(d)(4)(iii) any conditions or 1122(d)(4)(iii) 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 W-3 ------------------------------------------------------------------------------------------ ---------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- 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 ------------------------------------------------------------------------------------------ ---------------------- Servicing Criteria Applicable Servicing Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- 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 1122(d)(4)(x) number of days 1122(d)(4)(x) specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction 1122(d)(4)(xv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re--------------------- ---------------------- -------------------------------------------------------------------- --------------------- -------------------------------------------------------------------- ---------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF CO-TRUSTEE] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: ________________________________, the ______________________ Name: Title: EXHIBIT X [FORM OF] LIST OF ITEM 1119 PARTIES ALTERNATIVE LOAN TRUST 200_-__ of MORTGAGE PASS-THROUGH CERTIFICATES, Series 200_-__ [Name of ServicerDate] (the "Servicer"), certify to [the Owner], [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:---------------------------------------- ----------------------------------------------------------------------------- Party Contact Information ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- ----------------------------------------------------------------------------- ---------------------------------------- -----------------------------------------------------------------------------

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in [X] 1122(d)(3)(ii) the transaction -------------------- ---------------------- ---------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA ---------------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA ---------------------------------------------------------------------------------------------------------------- agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of [X] 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank [X] 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration ---------------------- POOL ASSET ADMINISTRATION -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any additions, removals or substitutions to the asset pool are X made, reviewed and approved in accordance with any conditions or [X] 1122(d)(4)(iii) 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 [X] transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal [X] 1122(d)(4)(v) 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, [X] reviewed and approved by authorized personnel in accordance with 1122(d)(4)(vi) the transaction agreements and related pool 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 [X] concluded in accordance with the timeframes or other requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 [X] agreements, and describe the entity's activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan [X] 1122(d)(4)(ix) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 [X] 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 1122(d)(4)(x) number of days specified in the transaction 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 [X] servicer at least 30 calendar days prior to these dates, or such 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicerservicer's funds and [X] not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) obligor's error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- ---------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA ---------------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA ---------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two X business days to the obligor's records maintained by the servicer, [X] or such other number of days 1122(d)(4)(xiii) specified in the transaction 1122(d)(4)(xiii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction [X] 1122(d)(4)(xiv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained 1122(d)(4)(xv) as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh----------------------------------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------------- All capitalized terms used herein and not otherwise defined shall have the meaning assigned to them in the Agreement. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re[NAME OF SELLER] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in X accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Disbursements made to an investor are posted within two X business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Amounts remitted to investors per the investor reports X agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Collateral or security on mortgage loans is maintained X X as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) required by the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any additions, removals or substitutions to the asset X pool are X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Payments on mortgage loans, including any payoffs, made X 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 accordance with the 1122(d)(4)(iv) related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- The Servicer's records regarding the mortgage loans X agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Changes with respect to the terms or status of an X 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 asset 1122(d)(4)(vi) documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Loss mitigation or recovery actions (e.g., forbearance X 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 established by the transaction 1122(d)(4)(vii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Records documenting collection efforts are maintained X 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Adjustments to interest rates or rates of return for X mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Regarding any funds held in trust for an obligor (such X 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 of 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 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 1122(d)(4)(xi) other number of days specified in the 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any late payment penalties in connection with any X payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's error 1122(d)(4)(xii) or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Disbursements made on behalf of an obligor are posted X within two X business days to the obligor's records maintained by the servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Delinquencies, charge-offs and uncollectible accounts X X are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ----------------- -------------------------------------------------------- --------- -------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction 1122(d)(4)(xv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I ----------------- -------------------------------------------------------- --------- SARBANES CERTIFICATION Re-------- [BANK OF AMERICA, NATIONAL ASSOCIATION] [WELLS FARGO BANK, N.A.] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee ---------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business X days to the Servicer's Servicer`s investor records, or such other number of 1122(d)(3)(iii) days specified in the Trustee 1122(d)(3)(iii) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, Trustee 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Collateral or security on mortgage loans pool assets is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- Custodian ---------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as Custodian 1122(d)(4)(ii) required by X 1122(d)(4)(ii) 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) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Trustee ---------------------------------------------------------------------------------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the Servicer's 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 accordance N/A 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- The Servicer's Servicer`s records regarding the mortgage loans agree with the X Servicer's Servicer`s records with respect to an obligor's 1122(d)(4)(v) obligor`s unpaid principal 1122(d)(4)(v) balance. -------------------- --------------------------------------------------------------------- ------------------ -------------- N/A ---------------------------------------------------------------------------------------------- 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 asset N/A 1122(d)(4)(vi) 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 established by N/A 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 entity`s activities in monitoring 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling N/A plans in cases where delinquency is deemed temporary 1122(d)(4)(viii) (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) on the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- N/A ---------------------------------------------------------------------------------------------- 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 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 N/A the related mortgage loans, or such other number of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the N/A 1122(d)(4)(xi) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's servicer`s funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the obligor's N/A 1122(d)(4)(xii) obligor`s error or omission. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two X business days to the obligor's obligor`s records maintained by the servicer, or such other number of days N/A 1122(d)(4)(xiii) days specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of X X 1122(d)(3)(iii) days specified in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or custodial bank X X 1122(d)(3)(iv) statements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Pool Asset Administration -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Collateral or security on mortgage loans is maintained as required X X X 1122(d)(4)(i) by the transaction agreements or related mortgage loan documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Mortgage loan and related documents are safeguarded as required by X X 1122(d)(4)(ii) the transaction agreements -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Any additions, removals or substitutions to the asset pool are X X X made, reviewed and approved in accordance with any conditions or 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) the transaction agreements and related pool 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 requirements 1122(d)(4)(vii) established by the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan 1122(d)(4)(ix) documents. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- ---------- ---------- ----------- ----------- Any late payment penalties in connection with any payment to be X made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the 1122(d)(4)(xii) late payment was due to the 1122(d)(4)(xii) 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 servicerServicer, or such other number of days 1122(d)(4)(xiii) specified in the transaction X 1122(d)(4)(xiii) 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 X (3) Item X 1114(a)(1) through (3) or Item 1115 of Regulation AB, 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- ---------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 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 Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) 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 X 1122(d)(4)(ii) the transaction agreements -------------------- --------------------------------------------------------------------- ------------------ -------------- 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) requirements in the transaction 1122(d)(4)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Payments on mortgage loans, including any payoffs, made in X accordance with the related mortgage loan documents are posted to the W-3 ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- 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 accordance with the related mortgage 1122(d)(4)(iv) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- 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 W-4 ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria --------------------- -------------------------------------------------------------------- ---------------------- 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 1122(d)(4)(x) number 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 1122(d)(4)(xi) other number of days specified in the transaction 1122(d)(4)(xi) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- --------------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in 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 X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction 1122(d)(4)(xv) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re--------------------- -------------------------------------------------------------------- ---------------------- --------------------- -------------------------------------------------------------------- ---------------------- [NAME OF MASTER SERVICER] [NAME OF TRUSTEE] [NAME OF CO-TRUSTEE] [NAME OF SUBSERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: ________________________________, the ______________________ Name: Title: EXHIBIT X [FORM OF] LIST OF ITEM 1119 PARTIES ALTERNATIVE LOAN TRUST 200_-__ of MORTGAGE PASS-THROUGH CERTIFICATES, Series 200_-__ [Name of ServicerDate] -------------------------------------------------------------------------------- Party Contact Information -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- EXHIBIT Y FORM OF SARBANES-OXLEY CERTIFICATION (the "Servicer"REPLACEMENT OF XXXXXX XXXXXXER), certify to [the Owner], [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:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and other terms set forth in 1122(d)(3)(ii) in the transaction agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, 1122(d)(3)(iii) or such other number of 1122(d)(3)(iii) days specified in the transaction ----------------------- -------------------- -------------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------------------------------------------- agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, 1122(d)(3)(iv) or custodial bank 1122(d)(3)(iv) statements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Pool Asset Administration ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Collateral or security on mortgage loans is maintained as X required X 1122(d)(4)(i) by the transaction agreements or related mortgage loan 1122(d)(4)(i) documents. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) 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) 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 accordance 1122(d)(4)(iv) with the related mortgage 1122(d)(4)(iv) loan documents. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an 1122(d)(4)(v) obligor's unpaid principal 1122(d)(4)(v) 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 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 established by 1122(d)(4)(vii) the transaction 1122(d)(4)(vii) agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- -------------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------------------------------------------- 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness 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) the related mortgage loan documents. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- 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 of 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Any late payment penalties in connection with any payment to be X 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 was due to the 1122(d)(4)(xii) 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 1122(d)(4)(xiii) days specified in the transaction agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- 1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectible accounts ----------------------- -------------------- -------------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------------------- Reference Criteria -------------------------------------------------------------------------------------------------------------------- are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. ----------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the 1122(d)(4)(xv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________-------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------------------- SCHEDULE 1-A LIST OF DOCUMENTS FOR COUNTRYWIDE With respect to each Mortgage Loan, the _______________________ Mortgage Loan Documents shall consist of [Name of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, thatfollowing:

Servicer. Amounts due to investors are allocated and remitted in accordance X with timeframes, distribution priority and 1122(d)(3)(ii) other terms set forth in 1122(d)(3)(ii) the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Disbursements made to an investor are posted within two business X days to the Servicer's investor records, or such other number of 1122(d)(3)(iii) days specified in the transaction 1122(d)(3)(iii) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Amounts remitted to investors per the investor reports agree with X cancelled checks, or other form of payment, or 1122(d)(3)(iv) custodial bank 1122(d)(3)(iv) statements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- -------------------- Pool Asset Administration -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Collateral or security on mortgage loans is maintained as required X 1122(d)(4)(i) by the transaction agreements or related 1122(d)(4)(i) mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Mortgage loan and related documents are safeguarded as required by X 1122(d)(4)(ii) by the transaction agreements 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) requirements in the transaction 1122(d)(4)(iii) 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 accordance with the related mortgage 1122(d)(4)(iv) loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- The Servicer's records regarding the mortgage loans agree with the X Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal 1122(d)(4)(v) 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 1122(d)(4)(vi) and related pool 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 established by the transaction 1122(d)(4)(vii) transaction agreements. -------------------- ---------------------- ------------------------------------------------------------------------------------------ ---------------------- Applicable Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------ ---------------------- Reference Criteria -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(viii) delinquent mortgage loans including, for example, phone calls, -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-2 -------------------- --------------------------------------------------------------------- ------------------ -------------- letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Adjustments to interest rates or rates of return for mortgage loans X with variable rates are computed based on 1122(d)(4)(ix) the related mortgage loan documents. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- 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 1122(d)(4)(x) number of days specified in the transaction 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 1122(d)(4)(xi) other number of days specified in the transaction 1122(d)(4)(xi) agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any late payment penalties in connection with any payment to be X 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 was due to the obligor's error or 1122(d)(4)(xii) 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 1122(d)(4)(xiii) specified in the transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Delinquencies, charge-offs and uncollectible accounts are X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) transaction agreements. -------------------- --------------------------------------------------------------------- ------------------ -------------- ---------------------- Any external enhancement or other support, identified in Item X 1114(a)(1) through (3) or Item 1115 of Regulation 1122(d)(4)(xv) AB, is maintained as set forth in the transaction agreements. -------------------- ---------------------- -------------------- --------------------------------------------------------------------- ------------------ -------------- Exh. H-3 EXHIBIT I --------- SARBANES CERTIFICATION Re---------------------- [NAME OF SERVICER] Date: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, _________________________ By: _________________________________ Name: Title: EXECUTION PAGE as Servicer, the _______________________ Seller and Beneficiary EXECUTED for and on behalf of [Name ) NORTHERN ROCK PLC ) by: ) ------------------------- Name: as Mortgages Trustee EXECUTED for and on behalf of Servicer] (the "Servicer"), certify to [the Owner], [the Depositor], ) GRANITE FINANCE TRUSTEES LIMITED ) by: ) ------------------------- Name: as Seller and the [Master Servicer] [Securities Administrator] [Trustee], Beneficiary EXECUTED for and their officers, with the knowledge on behalf of ) NORTHERN ROCK PLC ) by: ) ------------------------- Name: as Beneficiary EXECUTED for and intent that they will rely upon this certification, thaton behalf of ) GRANITE FINANCE FUNDING LIMITED ) by: ) ------------------------- Name: as Beneficiary EXECUTED for and on behalf of ) GRANITE FINANCE FUNDING 2 LIMITED ) by: ) ------------------------- Name: as Security Trustee and Funding 2 Security Trustee EXECUTED for and on behalf of ) THE BANK OF NEW YORK ) by: ) ------------------------- Name: