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|                                 |   |  616                Shelden Avenue, Suite 300 |
|--------------------------------------|--------|----------------------------------------------------|
|                                 |   |  P.O.                Box 144                  |
|                                 |   |  Houghton,MT                49931-0144        |
|                                 |   |  Phone:                (906) 487-5870         |
|                                 |   |  Fax:                (906) 487-5869           |
|                                 |   |  e-mail:                mlsloan@up.nct        |
|                                 |   |  web:                www.subservicer.com      |
|  February              22, 2006 |   |                                               |

*Uniform      Single Attestation Program for Mortgage Bankers*

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|   |   |  616                  Shelden Avenue, Suite 300 |
|--------|--------|------------------------------------------------------|
|   |   |  P.O.                  Box 144                  |
|   |   |  Houghton,MT                  49931-0144        |
|   |   |  phone:                  (906) 487-5870         |
|   |   |  fax:                  (906) 487-5869           |
|   |   |  e-mail:                  mlsloan@up.nct        |
|   |   |  web:                  www.subservicer.com      |
|   |   |                                                 |

**Specified      Minimum Servicing Standards**

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

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

|   | a. | Be                mathematically accurate; |
|--------|----|--------------------------------------------|

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

|   | c. | Be                reviewed and approved bv someone other than the person who prepared                the                reconciliations; and |
|--------|----|----------------------------------------------------------------------------------------------------------------------------------------------|

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

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

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

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

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

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

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

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

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

**Specified        Minimum Servicing Standards (continued)**

**III.**
**Disbursements**

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

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

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

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

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

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

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

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

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

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

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

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

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

**VI.**
**Delinquencies**

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

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

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

**Specified        Minimum Servicing Standards (continued)**

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