| Delaware                                                                                  |   | 87-0698307                                                |
|-------------------------------------------------------------------------------------------|--------|-----------------------------------------------------------|
| (State      or Other Jurisdiction of Incorporation or Organization of the      Depositor) |   | (I.R.S.      Employer Identification No. of theDepositor) |

| c/o      Countrywide Home Loans Servicing LP                   |   |            |
|----------------------------------------------------------------|--------|-----------------|
| 4500      Park Granada                                         |   |            |
| Calabasas, California                                          |   | 91302           |
| (Address      of Principal Executive Offices of the Depositor) |   | (Zip      Code) |

----

----

| Item      1. | Business. |
|--------------|-----------|

| Item      1A. | Risk      Factors. |
|---------------|--------------------|

| Item      1B. | Unresolved      Staff Comments. |
|---------------|---------------------------------|

| Item      2. | Properties. |
|--------------|-------------|

| Item      3. | Legal      Proceedings. |
|--------------|-------------------------|

| Item      4. | Submission      of Matters to a Vote of SecurityHolders. |
|--------------|----------------------------------------------------------|

----

| Item      5. | Market      for Registrant’s Common Equity, Related Stockholder Matters and Issuer      Purchases of Equity Securities. |
|--------------|-------------------------------------------------------------------------------------------------------------------------------|

| Item      6. | Selected      Financial Data. |
|--------------|-------------------------------|

| Item      7. | Management’s      Discussion and Analysis of Financial Condition and Results of      Operations. |
|--------------|--------------------------------------------------------------------------------------------------------|

| Item      7A. | Quantitative      and Qualitative Disclosures about MarketRisk. |
|---------------|-----------------------------------------------------------------|

| Item      8. | Financial      Statements and Supplementary Data. |
|--------------|---------------------------------------------------|

| Item      9. | Changes      in and Disagreements With Accountants on Accounting and Financial      Disclosure. |
|--------------|-------------------------------------------------------------------------------------------------|

| Item      9A. | Controls      and Procedures. |
|---------------|-------------------------------|

| Item      9B. | Other      Information. |
|---------------|-------------------------|

----

| Item      10. | Directors,      Executive Officers and CorporateGovernance. |
|---------------|-------------------------------------------------------------|

| Item      11. | Executive      Compensation. |
|---------------|------------------------------|

| Item      12. | Security      Ownership of Certain Beneficial Owners and Management and Related      Stockholder Matters. |
|---------------|-----------------------------------------------------------------------------------------------------------|

| Item      13. | Certain      Relationships and Related Transactions, and Director      Independence. |
|---------------|--------------------------------------------------------------------------------------|

| Item      14. | Principal      Accountant Fees and Services. |
|---------------|----------------------------------------------|

----

| Item      15. | Exhibits      and Financial Statement Schedules. |
|---------------|--------------------------------------------------|

|   | (a) | (1) | Not      applicable. |
|--------|-----|-----|----------------------|

|   | (2) | Not      applicable. |
|--------|-----|----------------------|

|   | (3) | The      required exhibits are as follows: |
|--------|-----|--------------------------------------------|

|   | • | Exhibit      3(i):  Copy of Depositor’s Certificate of Incorporation (Filed      as Exhibit 3.1 to Registration Statement on Form S-3 (File No.      333-110343)) |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      3(ii):  Copy of Depositor’s By-laws (Filed as Exhibit 3.2 to      Registration Statement on Form S-3 (File No.  333-110343)) |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      4:  Pooling and Servicing Agreement (Filed as part of the      Current Report on Form 8-K filed on July 18, 2007 under the Commission      file number of the SignificantObligor) |
|--------|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      33.1:  Report on Assessment of Compliance With Servicing      Criteria for Asset-Backed Securities for Countrywide Home Loans, Inc.,      Countrywide Home Loans Servicing, L.P., Countrywide Tax Services      Corporation and Newport ManagementCorporation |
|--------|---------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      33.2:  Report on Assessment of Compliance With Servicing      Criteria for Asset-Backed Securities for The Bank of New York      Mellon |
|--------|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      34.1:  Attestation Report on Assessment of Compliance With      Servicing Criteria for Asset-Backed Securities of PricewaterhouseCoopers      LLP on behalf of Countrywide Home Loans, Inc., Countrywide Home Loans      Servicing, L.P., Countrywide Tax Services Corporation and Newport      Management Corporation |
|--------|---------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      34.2:  Attestation Report on Assessment of Compliance With      Servicing Criteria for Asset-Backed Securities of KPMG LLP on behalf of      The Bank of New York Mellon |
|--------|---------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | • | Exhibit      35:  Servicer Compliance Statement of Countrywide Home Loans      Servicing LP |
|--------|---------|-------------------------------------------------------------------------------------------------------|

|  | (b) | See      subparagraph (a)(3) above. |
|--|-----|-------------------------------------|

|  | (c) | Not      applicable. |
|--|-----|----------------------|

----

| Item      1112(b) of Regulation AB. | Financial      Information of SignificantObligors. |
|-------------------------------------|----------------------------------------------------|

| Item      1114(b)(2) of Regulation AB. | Financial      Information of Significant Enhancement Providers. |   |
|----------------------------------------|------------------------------------------------------------------|--------|

| Item      1115(b) of Regulation AB. | Financial      Information of Certain Entities Providing Derivative      Instruments. |
|-------------------------------------|---------------------------------------------------------------------------------------|

| Item      1117 of Regulation AB. | Legal      Proceedings. |
|----------------------------------|-------------------------|

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| Item      1119 of Regulation AB. | Affiliations      and Certain Relationships and Related  Transactions. |
|----------------------------------|------------------------------------------------------------------------|

| Item      1122 of Regulation AB. | Compliance      with Applicable Servicing Criteria. |
|----------------------------------|-----------------------------------------------------|

----

| Item      1123 of Regulation AB. | Servicer      Compliance Statement. |
|----------------------------------|-------------------------------------|

----

| Exhibit | Document                                                                                                                                                                                                                                                                                                             |
|---------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|    |                                                                                                                                                                                                                                                                                                                 |
| 3(i)    | Depositor’s      Certificate of Incorporation (Filed as Exhibit 3.1 to Registration      Statement on Form S-3 (File No. 333-110343))*                                                                                                                                                                         |
|    |                                                                                                                                                                                                                                                                                                                 |
| 3(ii)   | Depositor’s      By-laws (Filed as Exhibit 3.2 to Registration Statement on Form S-3 (File      No. 333-110343))*                                                                                                                                                                                              |
|    |                                                                                                                                                                                                                                                                                                                 |
| 4       | Pooling      and Servicing Agreement (Filed as part of the Current Report on Form 8-K      filed on July 18, 2007 under the Commission file number of the Significant      Obligor)*                                                                                                                                 |
|    |                                                                                                                                                                                                                                                                                                                 |
| 33.1    | Report      on Assessment of Compliance With Servicing Criteria for Asset-Backed      Securities for Countrywide Home Loans, Inc., Countrywide Home Loans      Servicing, L.P., Countrywide Tax Services Corporation and Newport      Management Corporation                                                         |
|    |                                                                                                                                                                                                                                                                                                                 |
| 33.2    | Report      on Assessment of Compliance With Servicing Criteria for Asset-Backed      Securities for The Bank of New York Mellon                                                                                                                                                                                     |
|    |                                                                                                                                                                                                                                                                                                                 |
| 34.1    | Attestation      Report on Assessment of Compliance With Servicing Criteria for      Asset-Backed Securities of PricewaterhouseCoopers LLP on behalf of      Countrywide Home Loans, Inc., Countrywide Home Loans Servicing, L.P.,      Countrywide Tax Services Corporation and Newport Management      Corporation |
|    |                                                                                                                                                                                                                                                                                                                 |
| 34.2    | Attestation      Report on Assessment of Compliance With Servicing Criteria for      Asset-Backed Securities of KPMG LLP on behalf of The Bank of New York      Mellon                                                                                                                                               |
|    |                                                                                                                                                                                                                                                                                                                 |
| 35      | Servicer      Compliance Statement of Countrywide Home Loans Servicing  LP                                                                                                                                                                                                                                           |

----

| * | Incorporated      herein by reference. |
|---|----------------------------------------|

----

|   |   |                                  |
|--------|--------|----------------------------------|
|   |   |  2900 Madera      RD        |
|   |   |  Simi Valley,      CA 93065 |
|   |   |  (805)      955-1000        |

----

|   | COUNTRYWIDE HOME LOANS, INC.      &              |                                                              |
|--------|------------------------------------------------------|-------------------------------------------------------------------|
|   | COUNTRYWIDE HOME LOANS      SERVICING, L.P.          |                                                              |
|   | (by Countrywide GP LLC, as its      General Partner) |                                                              |
|   |                                                 |                                                              |   |
|   | By:                                                  | /s/ Steve      Bailey                                        |   |
|   |                                                 | Steve      Bailey                                                 |   |
|   |                                                 |                                                              |   |
|   | Its:                                            | Senior      Managing Director and Chief Executive Officer         |   |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | Dated:      February 27, 2009                        |                                                              |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | By:                                                  | /s/      Craig Baingo                                             |   |
|   |                                                 | Craig      Baingo                                                 |   |
|   |                                                 |                                                              |   |
|   | Its:                                                 | Executive      Vice President, Finance                            |   |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | Dated:      February 27, 2009                        |                                                              |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | COUNTRYWIDE TAX SERVICES      CORPORATION            |                                                              |
|   |                                                 |                                                              |   |
|   | By:                                                  | /s/      Karen Willis                                             |   |
|   |                                                 | Karen      Willis                                                 |   |
|   |                                                 |                                                              |   |
|   | Its:                                            | Senior      Vice President, Chief Financial Officer and Treasurer |   |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | Dated:      February 27, 2009                        |                                                              |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | NEWPORT MANAGEMENT      CORPORATION                  |                                                              |
|   |                                                 |                                                              |   |
|   | By:                                                  | /s/      Mark Ulmer                                               |   |
|   |                                                 | Mark      Ulmer                                                   |   |
|   |                                                 |                                                              |   |
|   | Its:                                                 | Executive      Vice President                                     |   |
|   |                                                 |                                                              |   |
|   |                                                 |                                                              |   |
|   | Dated:      February 27, 2009                        |                                                              |

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                     | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                              | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
|                    | General      Servicing Considerations                                                                                                                                                                                                                                                 |                                |   |   |   |
| 1122(d)(1)(i)           | Policies      and procedures are instituted to monitor any performance or other triggers      and events of default in accordance with the transaction      agreements.                                                                                                               | X                                   |   |   |   |
| 1122(d)(1)(ii)          | If      any material servicing activities are outsourced to third parties,      policies and procedures are instituted to monitor the third party’s      performance and compliance with such servicing activities.                                                             | X                                   |   |   |   |
| 1122(d)(1)(iii)         | Any      requirements in the transaction agreements to maintain a back-up servicer      for the pool assets are maintained.                                                                                                                                                           |                                |   |   | X |
| 1122(d)(1)(iv)          | A      fidelity bond and errors and omissions policy is in effect on the party      participating in the servicing function throughout the reporting period in      the amount of coverage required by and otherwise in accordance with the      terms of the transaction agreements. | X                                   |   |   |   |
|                    | Cash      Collection and Administration                                                                                                                                                                                                                                               |                                |   |   |   |
| 1122(d)(2)(i)           | Payments      on pool assets are deposited into the appropriate custodial bank accounts      and related bank clearing accounts no more than two business days      following receipt, or such other number of days specified in the      transaction agreements.                     | X                                   |   |   |   |
| 1122(d)(2)(ii)          | Disbursements      made via wire transfer on behalf of an obligor or to an investor are made      only by authorized personnel.                                                                                                                                                       | X                                   |   |   |   |
| 1122(d)(2)(iii)         | Advances      of funds or guarantees regarding collections, cash flows or distributions,      and any interest or other fees charged for such advances, are made,      reviewed and approved as specified in the transaction      agreements.                                         | X                                   |   |   |   |
| 1122(d)(2)(iv)          | The      related accounts for the transaction, such as cash reserve accounts or      accounts established as a form of overcollateralization, are separately      maintained (e.g., with respect to commingling of cash) as set forth in the      transaction agreements.             | X                                   |   |   |   |

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
| 1122(d)(2)(v)           | Each      custodial account is maintained at a federally insured depository      institution as set forth in the transaction agreements. For purposes of      this criterion, “federally insured depository institution” with respect to      a foreign financial institution means a foreign financial institution that      meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange      Act.                                                                                                                                                                                                                                                                                                                              | X                                   |   |   |   |
| 1122(d)(2)(vi)          | Unissued      checks are safeguarded so as to prevent unauthorized    access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X1                                  |   |   |   |
| 1122(d)(2)(vii)         | Reconciliations      are prepared on a monthly basis for all asset-backed securities related      bank accounts, including custodial accounts and related bank clearing      accounts. These reconciliations are (A) mathematically accurate; (B)      prepared within 30 calendar days after the bank statement cutoff date, or      such other number of days specified in the transaction agreements; (C)      reviewed and approved by someone other than the person who prepared the      reconciliation; and (D) contain explanations for reconciling items. These      reconciling items are resolved within 90 calendar days of their original      identification, or such other number of days specified in the transaction      agreements. | X                                   |   |   |   |
|                    | Investor      Remittances and Reporting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |                                |   |   |   |
| 1122(d)(3)(i)           | Reports      to investors, including those to be filed with the Commission, are      maintained in accordance with the transaction agreements and applicable      Commission requirements. Specifically, such reports (A) are prepared in      accordance with timeframes and other terms set forth in the transaction      agreements; (B) provide information calculated in accordance with the      terms specified in the transaction agreements; (C) are filed with the      Commission as required by its rules and regulations; and (D) agree with      investors’ or the trustee’s records as to the total unpaid principal      balance and number of pool assets serviced by theServicer.                                        | X2                                  |   |   |   |

----

  

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                    | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                             | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
| 1122(d)(3)(ii)          | Amounts      due to investors are allocated and remitted in accordance with timeframes,      distribution priority and other terms set forth in the transaction      agreements.                     | X3                                  |   |   |   |
| 1122(d)(3)(iii)         | Disbursements      made to an investor are posted within two business days to the Servicer’s      investor records, or such other number of days specified in the      transaction agreements. | X4                                  |   |   |   |
| 1122(d)(3)(iv)          | Amounts      remitted to investors per the investor reports agree with cancelled      checks, or other form of payment, or custodial bank      statements.                                           | X5                                  |   |   |   |
|                    | Pool      Asset Administration                                                                                                                                                                       |                                |   |   |   |
| 1122(d)(4)(i)           | Collateral      or security on pool assets is maintained as required by the transaction      agreements or related mortgage loan documents.                                                          | X6                                  |   |   |   |
| 1122(d)(4)(ii)          | Pool      assets and related documents are safeguarded as required by the      transaction agreements                                                                                                | X6                                  |   |   |   |
| 1122(d)(4)(iii)         | Any      additions, removals or substitutions to the asset pool are made, reviewed      and approved in accordance with any conditions or requirements in the      transaction agreements.           | X                                   |   |   |   |

----

  
  

  

  

  

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
| 1122(d)(4)(iv)          | Payments      on pool assets, including any payoffs, made in accordance with the related      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 pool asset documents.                                                                                                             | X                                   |   |   |   |
| 1122(d)(4)(v)           | The      Servicer’s records regarding the pool assets agree with the Servicer’s      records with respect to an obligor’s unpaid principal    balance.                                                                                                                                                                                                                                                                                                                                                                                     | X                                   |   |   |   |
| 1122(d)(4)(vi)          | Changes      with respect to the terms or status of an obligor's pool assets (e.g.,      loan modifications or re-agings) are made, reviewed and approved by      authorized personnel in accordance with the transaction agreements and      related pool asset documents.                                                                                                                                                                                                                                                                                  | X                                   |   |   |   |
| 1122(d)(4)(vii)         | Loss      mitigation or recovery actions (e.g., forbearance plans, modifications and      deeds in lieu of foreclosure, foreclosures and repossessions, as      applicable) are initiated, conducted and concluded in accordance with the      timeframes or other requirements established by the transaction      agreements.                                                                                                                                                                                                                              | X7                                  |   |   |   |
| 1122(d)(4)(viii)        | Records      documenting collection efforts are maintained during the period a pool      asset is delinquent in accordance with the transaction agreements. Such      records are maintained on at least a monthly basis, or such other period      specified in the transaction agreements, and describe the entity’s      activities in monitoring delinquent pool assets including, for example,      phone calls, letters and payment rescheduling plans in cases where      delinquency is deemed temporary (e.g., illness or      unemployment). | X                                   |   |   |   |

----

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| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
| 1122(d)(4)(ix)          | Adjustments      to interest rates or rates of return for pool assets with variable rates      are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | X                                   |   |   |   |
| 1122(d)(4)(x)           | Regarding      any funds held in trust for an obligor (such as escrow accounts): (A) such      funds are analyzed, in accordance with the obligor’s 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 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 pool assets, or such other number of      days specified in the transaction agreements. | X                                   |   |   |   |
| 1122(d)(4)(xi)          | Payments      made on behalf of an obligor (such as tax or insurance payments) are made      on or before the related penalty or expiration dates, as indicated on the      appropriate bills or notices for such payments, provided that such support      has been received by the Servicer at least 30 calendar days prior to these      dates, or such other number of days specified in the transaction      agreements.                                                                                                                                                                                                       | X8                                  |   |   |   |
| 1122(d)(4)(xii)         | Any      late payment penalties in connection with any payment to be made on behalf      of an obligor are paid from the Servicer’s funds and not charged to the      obligor, unless the late payment was due to the obligor’s error or      omission.                                                                                                                                                                                                                                                                                                                                                                 | X9                                  |   |   |   |
| 1122(d)(4)(xiii)        | Disbursements      made on behalf of an obligor are posted within two business days to the      obligor’s records maintained by the Servicer, or such other number of days      specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                      | X10                                 |   |   |   |
| 1122(d)(4)(xiv)         | Delinquencies,      charge-offs and uncollectible accounts are recognized and recorded in      accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X                                   |   |   |   |

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| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                            | INAPPLICABLESERVICINGCRITERIA       |
|-------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------|
| Reference               | Criteria                                                                                                                                                                                     | PerformedDirectlybythe      Company | Performed      byVendor(s)      for which the Company is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which the Company is NOT the      Responsible Party | NOT      performed by the Company  or by subservicer(s) or vendor(s)      retained by the Company |
| 1122(d)(4)(xv)          | Any      external enhancement or other support, identified in Item 1114(a)(1)      through (3) or Item 1115 of Regulation AB, is maintained as set forth in      the transaction agreements. | X11                                 |   |   |   |

----

----

| 1. | For      criterion 1122(d)(4)(vi), the Company notes that in some instances changes      with respect to the terms or status of an obligor's loan were made without      the clear consent of the trustee. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | With      respect to criterion 1122(d)(4)(vii), the Company is implementing more      objective review criteria for delinquent loans to ensure appropriate      contact, loss mitigation efforts and timely referral for foreclosure,      second level reviews by its internal audit group and additional reporting      to management to ensure that loss mitigation efforts and referral for      foreclosure are performed within objectively defined      deadlines. |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| The      Bank of New York Mellon       |   | The      Bank of New York Mellon |
|----------------------------------------|--------|----------------------------------|
| The      Bank of New York Mellon Trust |   |                             |
|    Company,      N.A.   |   |                             |
|                                   |   |                             |
|                                   |   |                             |
|                                   |   |                             |
| /s/ Patrick J. Tadie                   |   | /s/ James Maitland               |
| Patrick      J. Tadie                  |   | James      W. Maitland           |
| Authorized      Officer                |   | Authorized      Officer          |

----

| REG AB REFERENCE | SERVICING      CRITERIA | APPLICABLE      TO PLATFORM | NOT      APPLICABLE TOPLATFORM |
|------------------|-------------------------|-----------------------------|--------------------------------|

|   | General      Servicing Considerations |   |   |
|--------|---------------------------------------|--------|--------|

| 1122(d)(1)(i)   | Policies      and procedures are instituted to monitor any performance or other triggers      and events of default in accordance with the transaction      agreements.                                                                                                               | X      |   |
|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|
| 1122(d)(1)(ii)  | If      any material servicing activities are outsourced to third parties,      policies and procedures are instituted to monitor the third party’s      performance and compliance with such servicing activities.                                                             |   | X      |
| 1122(d)(1)(iii) | Any      requirements in the transaction agreements to maintain a back-up servicer      for the pool assets are maintained.                                                                                                                                                           |   | X      |
| 1122(d)(1)(iv)  | A      fidelity bond and errors and omissions policy is in effect on the party      participating in the servicing function throughout the reporting period in      the amount of coverage required by and otherwise in accordance with the      terms of the transaction agreements. |   | X      |

|            | Cash      Collection and Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |   |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|
| 1122(d)(2)(i)   | Payments      on pool assets are deposited into the appropriate custodial bank accounts      and related bank clearing accounts no more than two business days of      receipt, or such other number of days specified in the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X      |   |
| 1122(d)(2)(ii)  | Disbursements      made via wire transfer on behalf of an obligor or to an investor are made      only by authorized personnel.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | X      |   |
| 1122(d)(2)(iii) | Advances      of funds or guarantees regarding collections, cash flows or distributions,      and any interest or other fees charged for such advances, are made,      reviewed and approved as specified in the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X      |   |
| 1122(d)(2)(iv)  | The      related accounts for the transaction, such as cash reserve accounts or      accounts established as a form of over collateralization, are separately      maintained (e.g., with respect to commingling of cash) as set forth in the      transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X      |   |
| 1122(d)(2)(v)   | Each      custodial account is maintained at a federally insured depository      institution as set forth in the transaction agreements. For purposes of      this criterion, “federally insured depository institution” with respect to      a foreign financial institution means a foreign financial institution that      meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange      Act.                                                                                                                                                                                                                                                                                                                              | X      |   |
| 1122(d)(2)(vi)  | Unissued      checks are safeguarded so as to prevent unauthorized    access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X      |   |
| 1122(d)(2)(vii) | Reconciliations      are prepared on a monthly basis for all asset-backed securities related      bank accounts, including custodial accounts and related bank clearing      accounts. These reconciliations are (A) mathematically accurate; (B)      prepared within 30 calendar days after the bank statement cutoff date, or      such other number of days specified in the transaction agreements; (C)      reviewed and approved by someone other than the person who prepared the      reconciliation; and (D) contain explanations for reconciling items. These      reconciling items are resolved within 90 calendar days of their original      identification, or such other number of days specified in the transaction      agreements. | X      |   |

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| REG AB REFERENCE | SERVICING      CRITERIA | APPLICABLE      TO PLATFORM | NOT      APPLICABLE TOPLATFORM |
|------------------|-------------------------|-----------------------------|--------------------------------|

|            | Investor      Remittances and Reporting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |   |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|
| 1122(d)(3)(i)   | Reports      to investors, including those to be filed with the Commission, are      maintained in accordance with the transaction agreements and applicable      Commission requirements. Specifically, such reports (A) are prepared in      accordance with timeframes and other terms set forth in the transaction      agreements; (B) provide information calculated in accordance with the      terms specified in the transaction agreements; (C) are filed with the      Commission as required by its rules and regulations; and (D) agree with      investors’ or the trustee’s records as to the total unpaid principal      balance and number of pool assets serviced by theServicer. | X      |   |
| 1122(d)(3)(ii)  | Amounts      due to investors are allocated and remitted in accordance with timeframes,      distribution priority and other terms set forth in the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | X      |   |
| 1122(d)(3)(iii) | Disbursements      made to an investor are posted within two business days to the Servicer’s      investor records, or such other number of days specified in the      transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X      |   |
| 1122(d)(3)(iv)  | Amounts      remitted to investors per the investor reports agree with cancelled      checks, or other form of payment, or custodial bank      statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | X      |   |
|            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   |
|            | Pool      Asset Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |   |
| 1122(d)(4)(i)   | Collateral      or security on pool assets is maintained as required by the transaction      agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | X      |   |
| 1122(d)(4)(ii)  | Pool      asset and related documents are safeguarded as required by the transaction      agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X      |   |
| 1122(d)(4)(iii) | Any      additions, removals or substitutions to the asset pool are made, reviewed      and approved in accordance with any conditions or requirements in the      transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | X      |   |
| 1122(d)(4)(iv)  | Payments      on pool assets, including any payoffs, made in accordance with the related      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 pool asset documents.                                                                                                                                                                                                                                                                |   | X      |
| 1122(d)(4)(v)   | The      Servicer’s records regarding the pool assets agree with the Servicer’s      records with respect to an obligor’s unpaid principal    balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | X      |
| 1122(d)(4)(vi)  | Changes      with respect to the terms or status of an obligor's pool assets (e.g.,      loan modifications or re-agings) are made, reviewed and approved by      authorized personnel in accordance with the transaction agreements and      related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | X      |
| 1122(d)(4)(vii) | Loss      mitigation or recovery actions (e.g., forbearance plans, modifications and      deeds in lieu of foreclosure, foreclosures and repossessions, as      applicable) are initiated, conducted and concluded in accordance with the      timeframes or other requirements established by the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                 |   | X      |

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| REG      AB REFERENCE | SERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | APPLICABLE      TO PLATFORM | NOT      APPLICABLE TO PLATFORM |
|-----------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------|---------------------------------|
| 1122(d)(4)(viii)      | Records      documenting collection efforts are maintained during the period a pool      asset is delinquent in accordance with the transaction agreements. Such      records are maintained on at least a monthly basis, or such other period      specified in the transaction agreements, and describe the entity’s      activities in monitoring delinquent pool assets including, for example,      phone calls, letters and payment rescheduling plans in cases where      delinquency is deemed temporary (e.g., illness or      unemployment).                                                                        |                        | X                               |
| 1122(d)(4)(ix)        | Adjustments      to interest rates or rates of return for pool assets with variable rates      are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                        | X                               |
| 1122(d)(4)(x)         | Regarding      any funds held in trust for an obligor (such as escrow accounts): (A) such      funds are analyzed, in accordance with the obligor’s 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 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 pool assets, or such other number of      days specified in the transaction agreements. |                        | X                               |
| 1122(d)(4)(xi)        | Payments      made on behalf of an obligor (such as tax or insurance payments) are made      on or before the related penalty or expiration dates, as indicated on the      appropriate bills or notices for such payments, provided that such support      has been received by the Servicer at least 30 calendar days prior to these      dates, or such other number of days specified in the transaction      agreements.                                                                                                                                                                                                       |                        | X                               |
| 1122(d)(4)(xii)       | Any      late payment penalties in connection with any payment to be made on behalf      of an obligor are paid from the Servicer’s funds and not charged to the      obligor, unless the late payment was due to the obligor’s error or      omission.                                                                                                                                                                                                                                                                                                                                                                 |                        | X                               |
| 1122(d)(4)(xiii)      | Disbursements      made on behalf of an obligor are posted within two business days to the      obligor’s records maintained by the Servicer, or such other number of days      specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                      |                        | X                               |
| 1122(d)(4)(xiv)       | Delinquencies,      charge-offs and uncollectible accounts are recognized and recorded in      accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |                        | X                               |
| 1122(d)(4)(xv)        | Any      external enhancement or other support, identified in Item 1114(a)(1)      through (3) or Item 1115 of Regulation AB, is maintained as set forth in      the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                        | X                           |                            |

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|   |   PricewaterhouseCoopers LLP350      South Grand AvenueLos      Angeles CA 90071Telephone      (213) 3566000Facsimile (819)6374444 |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------|

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| /s/ Craig Baingo |   | Dated:      March 27, 2009 |
|------------------|--------|----------------------------|

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