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*A      Lehman Brothers Company*

**Management's      Assertion on Compliance**

**with      the Specified Minimum Servicing Standards Set Forth**

**in      the **
***Uniform      Single Attestation Program for Mortgage Bankers***

**Report      of Management**

*Uniform      Single Attestation Program for Mortgage Bankers *

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*A        Lehman Brothers Company *

**Exhibit        A**

**Specified      Minimum Servicing Standards**

**I.**
**Custodial      Bank Accounts**

| 1.   | Reconciliations                shall be prepared on a monthly basis for all custodial bank accounts                and                related bank clearing accounts. These reconciliations                shall: |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  | a. | be mathematically                accurate; |
|--|----|-------------------------------------------------|

|   | b. | be                prepared within forty-five (45) calendar days after the cutoff date.                The                cutoff date is the date as of which a bank account is reconciled                every month. It may, or may not, coincide with a prescribed investor                reporting date but chall be consistent from period to                period; |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | c. | be                reviewed and approved by someone other than the person who prepared                the                reconciliation; and |
|--------|----|---------------------------------------------------------------------------------------------------------------------------------------------|

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

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

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

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

**II.**
**Mortgage      Payments**

| 1.   | Mortgage                payments shall be deposited into the custodial bank accounts and                related                bank clearing accounts within two (2) business days of                receipt. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

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

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

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*A        Lehman Brothers Company *

**Exhibit        A**

**Specified        Minimum Servicing Standards (continued)**

**III.**
**Disbursements**

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

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

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

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

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

| 6.   | Unissued                  checks shall be safeguarded so as to prevent unauthorized                  access. |
|----------------|--------------------------------------------------------------------------------------------------------------|

**IV.**
**Investor      Accounting and Reporting**

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

**V.**
**Mortgagor      Loan Accounting**

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

| 2.   | Adjustments                on adjustable rate mortgage (ARM) loans shall be computed based on                the                related mortgage note and any ARM                rider. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

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

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*A        Lehman Brothers Company *

**Exhibit          A**

**Specified          Minimum Servicing Standards (continued)**

**VI.**
**Delinquencies**

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

**VII.**
**Insurance      Policies**

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

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