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|        WELLS FARGO BANK, N.A. Logo |   | Wells      Fargo Bank, N.A.Home      Mortgage Division1      Home Campus Des      Moines, IA 50328-0001 |
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| 1.   | Wells      Fargo Bank, N.A. (the "Servicer") is responsible for assessing compliance      with the servicing criteria      applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of      and for the year ended      December 31, 2008 (the "Reporting Period"), as set forth  in      Exhibit A hereto.    The transactions      covered by this report include transactions for which the Servicer's Wells      Fargo Home Mortgage      division acted as the primary servicer of residential mortgage loans,      other than the servicing      of such loans for Freddie Mac, Fannie Mae, Ginnie Mae, state and local      government bond programs,      or a Federal Home Loan Bank (but not including the servicing of loans for      FHLB Shared Funding sercuritizations) (the      "Platform"); |
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| 2.   | The      Servicer has engaged certain vendors, which are not deemed to be servicers      as defined in item 1101(j)      of Regulation AB (the "Vendors"), to perform specific, limited or scripted      activities for the Reporting      Period, and the Servicer has elected to take responsibility for assessing      compliance with the      servicing criteria or portion of the servicing criteria applicable to such      Vendors' activities as set forth      in Exhibit Ahereto; |
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| 3.   | Except      as set forth in paragraph 4 below, the Servicer used the criteria set      forth in paragraph (d) of Item      1122 of Regulation AB to assess the compliance with the applicable      servicing criteria; |
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| 4.   | The      criteria listed in the column titled "Inapplicable Servicing Criteria" on      Exhibit A hereto are inapplicable      to the Servicer based on the activities it performs, directly or through      its Vendors, with respect      to thePlatform; |
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| 5.   | The      Servicer has complied, in all material respects, with the applicable      servicing criteria as of December      31, 2008, and for the Reporting Period with respect to the Platform taken      as a whole; |
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| 6.   | The      Servicer has not identified and is not aware of any material instance of      noncompliance by the Vendors      with the applicable servicing criteria as of December 31, 2008, or for the      Reporting Period with      respect to the Platform taken as a  whole; |
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| 7.   | The      Servicer has not identified any material deficiency in its policies and      procedures to monitor the compliance      by the Vendors with the applicable servicing criteria as of December 31,      2008, or for the Reporting      Period with respect to the Platform taken as a whole;      and |
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| 8.   | KPMG      LLP, a registered public accounting firm, has issued an attestation report      on the Servicer's assessment      of compliance with the applicable servicing criteria for the Reporting      Period, which attestation      report is included on Exhibit B attached    hereto. |
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|   | WELLS      FARGO BANK, N.A. |
|--------|-----------------------------|
|   | By:                         | /s/      Mary C. Coffin |
|   |                        | Mary      C. CoffinExecutive      Vice President |

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| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                       | INAPPLICABLESERVICINGCRITERIA            |
|-------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                | Performed      Directly      by Servicer | Performed      by      Vendor(s)for      which Servicer is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which Servicer is NOT the Responsible      Party | NOT      performed by Servicer or by subservieer{s) or vendor(s) retained by      Servicer |
|                    |  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 mortgage loans are maintained.                                                                                                                                                                                                                                                                                          |                                     |   |   | X |
| l122(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 mortgage loans 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.                                                                                                                                                    | X1                                       | X2 |   |   |
| 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 form of overcollateralization, 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.                                                                                                                                                                                                                                                                                                                                         | X3                                       | X4 |   |   |

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|  SERVICING      CRITERIA | APPLICABLE      SERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | INAPPLICABLE      SERVICING      CRITERIA |
|-------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| Reference                     | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Performed      Directly by Servicer       | Performed      by Vendor(s)for      which Servicer is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which Servicer is NOT the Responsible      Party | NOT      performed by Servicer or by subservieer{s) or vendor(s) retained by      Servicer |
| 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 mortgage loans serviced by the      Servicer.                                      | 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 mortgage loans is maintained as required by the transaction      agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | X                                         |   |   |   |
| 1122(d)(4)(ii)                | Mortgage      loan 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 mortgage loans, including any payoffs, made in accordance with the      related mortgage loan documents are posted to the Servicer's obligor      records maintained no more than two business days after receipt, or such      other number of days specified in the transaction agreements, and      allocated to principal, interest or other items (e.g., escrow) in      accordance with the related mortgage loan documents.                                                                                                                                                                                                                                                                                                                        | X5                                        | X6 |   |   |
| 1122(d)(4)(v)                 | The      Servicer's records regarding the mortgage loans agree with the      Servicer's records with respect to an obligor's unpaid principal      balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | X                                         |   |   |   |

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| SERVICING      CRITERIA           | APPLICABLE      SERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | INAPPLICABLE      SERVICING      CRITERIA |
|-----------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| Reference                         | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Performed      Directly by Servicer       | Performed      by Vendor(s)for      which Servicer is the Responsible      Party | Performed      by subservicer(s) or vendor(s) for which Servicer is NOT the Responsible      Party | NOT      performed by Servicer or by subservieer{s) or vendor(s) retained by      Servicer |
| 1122(d)(4)(vi)                    | Changes      with respect to the terms or status of an obligor's mortgage loans (e.g.,      loan modifications or re-agings) are made, reviewed and approved by      authorized personnel in accordance with the transaction agreements and      related pool asset documents.                                                                                                                                                                                                                                                                                                                                                   | X                                         |   |   |   |
|        1122      (d)(4)(vii) | Loss      mitigation or recovery actions (e.g., forebearance 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                             |   |   |   |
| 1122(d)(4)(viii)                  | Records      documenting collection efforts are maintained during the period a mortgage      loan is delinquent in accordance with the transaction agreements. Such      records are maintained on at least a monthly basis, or such other period      specified in the transaction agreements, and describe the entity's      activities in monitoring delinquent mortgage loans including, for example,      phone calls, letters and payment rescheduling plans in cases where      delinquency is deemed temporary (e.g., illness or      unemployment).                                                                     | X                                         |   |   |   |
|        1122(d)(4)(ix)        | Adjustments      to interest rates or rates of return for mortgage loans with variable      rates are computed based on the related mortgage loan      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 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 days specified in the      transaction. | 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.                                                                                                                                                                                | X7                                        | 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.                                                                                                                                                                                                                                                                                                                                                                | 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.                                                                                                                                                                                                                                                                                                                                                                                                    | X9                                        |        X10 |   |   |
| 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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|   |  KPMG    LLP               |   |   |
|--------|---------------------------------|--------|--------|
|   |  2500 Ruan      Center     |   |   |
|   |  666 Grand      Avenue     |   |   |
|   |  Des Moines, IA      50309 |   |   |

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