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|   |   | **National              City Mortgage Co.**                    |
|--------|--------|----------------------------------------------------------------|
|   |   | A              Subsidiary of National City Bank of Indiana     |
|   |   | 3232              Newmark Drive • Miamisburg, Ohio 45342 |
|   |   | Telephone:              (937) 910-1200                         |
|   |   |                                                           |
|   |   |                                                           |
|   |   | **Mailing                Address:**                            |
|   |   | P.O.              Box 1820                                     |
|   |   | Dayton,              Ohio 45401-1820                           |

*Uniform      Single Attestation Program*

*for      Mortgage Bankers*

*Uniform      Single Attestation Program for Mortgage Bankers *

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**Exhibit      A **

**Specified      Minimum Servicing Standards**

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

|   | 1. | Reconciliations                shall be prepared on a monthly basis for all custodial bank accounts                and related bank clearing accounts. These reconciliations                shall: |
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|   | b. | be                prepared within forty-five (45) calendar days after the cutoff date.                The                cutoff                date is the date as of which a bank account is reconciled every month.                It                may, or may not, coincide with a prescribed investor reporting date                but                shall                be consistent from period to                period; |
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|   | c. | be                reviewed and approved by someone other than the person who prepared                the                reconciliation; and |
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|   | d. | document                explanations for reconciling items. These reconciling items shallbe                resolved within ninety (90) calendar days of their original                identification. |
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| 2.   | Funds                of the servicing entity shall be advanced in cases where there is                an overdraft                in an investor's or a mortgagor's                account. |
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| 3.   | Each                custodial account shall be maintained at a federally insured depository                institution                in trust for the applicable                investor. |
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| 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. |
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**II.**
**Mortgage      Payments**

| 1.   | Mortgage                payments shall be deposited into the custodial bank accounts andrelated                bank clearing accounts within two (2) business days of                receipt. |
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| 2.   | Mortgage                payments made in accordance with the mortgagor's loan documents shall                be posted to the applicable mortgagor records within two (2) business                days                of                receipt. |
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| 3.   | Mortgage                payments shall be allocated to principal, interest, insurance, taxes                or                other                escrow items in accordance with the mortgagor's loan                documents. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | Mortgage                payments identified as loan payoffs shall be allocated in accordancewith                the mortgagor's loan                documents. |
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**Exhibit        A **

**Specified        Minimum Servicing Standards (continued)**

**III.**
**Disbursements**

| 1.   | Disbursements                made via wire transfer on behalf of a mortgagor or investor shallbe                made only by authorized                personnel. |
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| 2.   | Disbursements                made on behalf of a mortgagor or investor shall be posted withintwo                (2) business days to the mortgagor's or investor's records maintained                by                the servicing                entity. |
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| 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. |
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| 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. |
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| 5.   | Amounts                remitted to investors per the servicer's investor reports shall agree                with                cancelled checks, or other form of payment, or custodial bank                statements. |
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| 6.   | Unissued                checks shall be safeguarded so as to prevent unauthorized access. |
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**IV.**
**Investor      Accounting and Reporting**

| 1.   | The                servicing entity's investor reports shall agree with, or reconcile                to,                investors'                records on a monthly basis as to the total unpaid principal balance                and                number of loans serviced by the servicing                entity. |
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**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. |
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| 2.   | Adjustments                on adjustable rate mortgage (ARM) loans shall be computed based on                the                related mortgage note and any ARM                rider. |
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| 3.   | Escrow                accounts shall be analyzed, in accordance with the mortgagor's loandocuments,                on at least an annual basis. |
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**Exhibit        A **

**Specified        Minimum Servicing Standards (continued)**

**V.**
**Mortgagor      Loan Accounting (continued)**

| 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 updated at least monthly. Such records                shall                describe                the entity's activities in monitoring delinquent loans including,                for                example,                phone calls, letters and mortgage payment rescheduling plans in cases                where                the delinquency is deemed temporary (i.e., illness or                unemployment). |
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**VII.**
**Insurance      Policies**

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