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| 1.   | BANK      OF AMERICA, N.A. 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 12-month period ending December 31, 2008      (the "Reporting Period"), as set forth in Appendix A hereto. The      transactions covered by this report include domestic asset-backed      securities transactions for which BANK OF AMERICA, N.A. acted as servicer      involving residential mortgage loans, other than government sponsored      entities, or transactions that do not have scheduled interest and/or      scheduled principal remittance schedules as outlined in their respective      transaction agreements, with the exception of certain non-registered      transactions (the"Platform"); |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | BANK      OF AMERICA, N.A. has engaged certain vendors, which are not servicers as      defined in Item 1101(j)      of Regulation AB (the "Vendors"), to perform specific, limited or scripted      activities, BANK OF AMERICA, N.A. elects      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; |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Except      as set forth in paragraph 4 below, BANK OF AMERICA, N.A. used the      criteria set forth in paragraph (d) of Item      1122 of Regulation AB to assess the compliance with the applicable      servicing criteria; |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | The      criteria listed in the column titled "Inapplicable Servicing Criteria" on      Exhibit A hereto are inapplicable      to BANK OF AMERICA, N.A. based on the activities it performs,      directly or through its Vendors, with respect      to thePlatform; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | BANK      OF AMERICA, N.A. 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, except as disclosed in Appendix  B; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.   | BANK      OF AMERICA, N.A. 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 and for the      Reporting Period with      respect to the Platform taken as a  whole; |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.   | BANK      OF AMERICA, N.A. 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 and for the Reporting      Period with respect to the Platform taken as a whole;      and |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.   | PricewaterhouseCoopers      LLP, an independent registered public accounting firm, has      issued an attestation report on BANK OF AMERICA, N.A.'s assessment      of compliance with the applicable servicing criteria for the Reporting      Period. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  /s/ Steve      Bailey      |   |  /s/ H. Randall      Chestnut |
|----------------------------------|--------|------------------------------------|
|  Steve      Bailey          |   |  H. Randall      Chestnut     |
|  Managing      Director     |   |  Senior Vice      President   |
|  Bank of      America, N.A. |   |  Bank of      America, N.A.   |

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| SERVICING      CRITERIA |  APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                 | INAPPLICABLESERVICINGCRITERIA                         |
|-------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                | Performed      Directly      by Bank of America, N.A. | Performed      by      Vendor(s)for      which Bank of America, N.A. is the Responsible      Party | Performed      by subservicer(s) or vendor(s) for which Bank of America N.A. is      NOT the Responsible Party1 | NOT      performed by Bank of America, N.A. or by subservieer(s) or      vendor(s) retained by Bank of America, N.A. |
|                    |   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.                                                                                                                                                    | 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.                                                                                                                                                                                                                                                                                    | Xi                                                    | Xii  |   |   |
| 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                                                     |   |   |   |
| 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                                                     |   |   |   |

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| 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.                                      | Xiii          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Xiv           |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                        | Xv            | Xvi    |   |   |
| 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             |   |   |   |
|        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 |   |   |   |

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|        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.                                                                                                                                                                                                                                                                                                       |        Xvii |              |   |   |
|-----------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------|-------------------|--------|--------|
| 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      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.                                                                                                                                                                                           | Xviii            | Xix               |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                           | Xx               |        Xxi   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                               | Xxii             |        Xxiii |   |   |
| 1122(d)(4)(xiv)                   | Delinquincies,      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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| i | Bank      of America, N.A. under criterion 1122 (d) (2) (ii) makes authorized      disbursements on behalf of an obligor for escrowed amounts and to      investors for their disbursements except for specific, limited instances      the tax monitoring vendors make disbursements on behalf of an      obligor. |
|---|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ii | Under      criterion 1122 (d) (2) (ii), in specific, limited instances the tax      monitoring vendors make disbursements on behalf of an    obligor. |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------|

| iii | Criterion      under 1122 (d) (3) (i) (B) are performed either by Bank of America, N.A.      or another participant in the servicing function as described in the      transaction agreements. Criterion under 1122 (d) (3) (i) (A), (C) and (D) are performed      by another party participating in the servicing function as described in      the transaction agreements. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| iv | Under      criterion 1122 (d) (3) (ii) remittances may be made either directly to the      investor by Bank of America, N.A. or another participant in the servicing      function as described in the transaction agreements. Another party      participating in the servicing function is responsible for allocations and      distribution priorities as described in the transaction      agreements. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| v | Bank      of America, N.A. performs the entire criterion 1122 (d) (4) (iv) except      for the lockbox function, which is a specific, limited activity performed      by a vendor. |
|---|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| vi | A      vendor performs only the lockbox function for criterion 1122 (d) (4)      (iv). |
|----|----------------------------------------------------------------------------------------|

| vii | In      the absence of specific investor/insurer timeframe standards, the Company      generally services loans in accordance with Fannie Mae guidelines which      are generally considered to be accepted industry standard. Timelines for      the initiation and/or completion of recovery actions or loss mitigation      activities may be impacted by circumstances outside of the Company's      control (including bankruptcy, probate or other legal proceedings, skip      trace issues, title issues, natural or man-made disasters or government      seizures), and timelines for the initiation and/or completion of      foreclosures may also be impacted by the foregoing or by other      circumstances outside of the Company's control (including loss mitigation      actions consistent with Fannie Mae guidelines, sheriff delays, court      delays or foreclosure moratoriums). In assessing its compliance with      criterion 1122(d)(4)(vii), the Company does not consider initiation and/or      completion delays due to these situations to be instances of      non-compliance. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| viii | Bank      of America, N.A. performs all of the functions under criterion 1122(d) (4)      (xi) except for specific, limited tax and insurance monitoring and      disbursement activity performed byvendors. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ix | A      vendor performs specific, limited tax and insurance monitoring and      disbursement functions for criterion 1122 (d) (4)  (xi). |
|----|-----------------------------------------------------------------------------------------------------------------------------------------|

| x | Bank      of America, N.A. performs all of the functions under criterion 1122 (d)      (4) (xii) except for specific, limited tax and insurance monitoring and      disbursement activity performed byvendors. |
|---|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xi | A      vendor performs specific, limited tax and insurance monitoring and      disbursement functions for criterion 1122(d) (4)  (xii). |
|----|-----------------------------------------------------------------------------------------------------------------------------------------|

| xii | Bank      of America, N.A. performs all of the functions under criterion 1122(d) (4)      (xiii) except for specific, limited tax and insurance monitoring and      disbursement activity performed byvendors. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xiii | A      vendor performs specific, limited tax and insurance monitoring and      disbursement functions for criterion 1122(d) (4)  (xiii). |
|------|------------------------------------------------------------------------------------------------------------------------------------------|

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| 1.     | The      servicer has assessed its compliance with the Applicable Servicing      Criteria as of and for the year ended December 31, 2008, and has concluded      that it has complied, in all material respects, with the Applicable      Servicing Criteria with respect to the Platform taken as a whole, except      as discussed below:         |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                                                                                                                                                                                                                                |
|   | 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 |
|   |                                                                                                                                                                                                                                                                                                                                                |
|   | Certain      foreclosures were not initiated in accordance with the timeframes      established by the transaction agreements.                                                                                                                                                                                                                      |
|   |                                                                                                                                                                                                                                                                                                                                                |
| 2.     | The      servicer has implemented the following remediation plan:                                                                                                                                                                                                                                                                                   |
|   |                                                                                                                                                                                                                                                                                                                                                |
|   | The      servicer has increased staff and enhanced its procedures and controls in      an effort to ensure timely initiation of foreclosure actions.                                                                                                                                                                                                |
|   |                                                                                                                                                                                                                                                                                                                                                |
|   |  * The      Report ofIndependent Registered Public      Accounting Firm covers only paragraph 1      of this Appendix B.                                                                                                                                                                                                                       |

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