----

**Management's      Assertion on Compliance with the Specified Minimum      Servicing**

**Standards      set forth in the Mortgage Bankers Association of America's **
***Uniform***

***Single      Attestation Program for Mortgage Bankers***
**(USAP)**

**Report      of Management**

*Uniform      Single Attestation Program for Mortgage Bankers *

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**Exhibit      A**

**Specified      Minimum Servicing Standards for**

**Non-REO      loans in Special Servicing**

*Minimum      Servicing Standards Applicable to*

*ING      Clarion Partners, LLC as Special Servicer*

|  **Minimum                Servicing Standards**                     |  **Applicable**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **Not****Applicable** |
|--------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------|
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **I.                Custodial Bank Accounts (Non-REO Loans)**            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                       | Reconciliations                shall be prepared on a monthly basis for all custodial bank accounts                and                related bank clearing accounts.                                                                                                                                                                                                                                                                                                                                                        |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                                                                                                     |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                       | Each                custodial account shall be maintained at a federally insured depository                institution in trust for the applicable investor.                                                                                                                                                                                                                                                                                                                                                                 | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                       | Escrow                funds held in trust for a mortgagor shall be returned to the mortgagor                within thirty (30) calendar days of the payoff of the mortgage                loan.                                                                                                                                                                                                                                                                                                                              | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **II.                Mortgage Payments (Non-REO Loans)**                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                       | Mortgage                payments shall be deposited into the custodial bank accounts and                related                bank clearing accounts within two business days of receipt                                                                                                                                                                                                                                                                                                                                    |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                       | Mortgage                payments made in accordance with the mortgagor’s loan documents shall be                posted to the applicable mortgagor records within two business days                of                receipt.                                                                                                                                                                                                                                                                                          |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                       | Mortgage                payments shall be allocated to principal, interest, insurance, taxes                or                other escrow items in accordance with the mortgagor’s loan                documents                                                                                                                                                                                                                                                                                                      | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                       | Mortgage                payments identified as loan payoffs shall be allocated in accordance                with                the mortgagor’s loan documents.                                                                                                                                                                                                                                                                                                                                                        | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **III.** **Disbursements                (Non-REO Loans)**           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                       | Disbursements                made via wire transfer on behalf of a mortgagor or investor shall                be made                only by authorized personnel.                                                                                                                                                                                                                                                                                                                                                           |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                       | Disbursements                made on behalf of mortgagor or investor shall be posted within two                business days to the mortgagor’s or investor’s records maintained by the                servicing entity.                                                                                                                                                                                                                                                                                    |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                       | Tax                and                insurance payments shall be made on or before                the penalty or insurance policy expirationdates,                as indicated on tax bills and insurance premium                notices, respectively, provided that suchsupport                has been received by the servicing entity at least                thirty (30) calendar days prior to these dates.                                                                                                          | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                       | Any                late payment penalties paid in conjunction with                the payment of any tax bill or insurancepremium                notice shall be paid from the servicing entity's                funds and not charged to the mortgagor,unless                the late payment was due to the ____.                                                                                                                                                                                                          | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 5.                                                                       | Amounts                remitted to investors per the servicer’s investor reports shall agree with                canceled checks, or other form of payment, or custodial bank                statements.                                                                                                                                                                                                                                                                                                               |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 6.                                                                       | Unused                checks shall be safeguarded so as to prevent unauthorized                access.                                                                                                                                                                                                                                                                                                                                                                                                                       |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **IV.                Investor Accounting and Reporting (Non-REO Loans)** |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
| 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.                                                                                                                                                                                                                                        | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **V.                Mortgagor Loan Accounting (Non-REO Loans)**          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                                                 |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                       | Adjustments                on ARM loans shall be computed based on the related mortgage note                and any                ARM rider.                                                                                                                                                                                                                                                                                                                                                                                |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                       | Escrow                accounts shall be analyzed, in accordance with the mortgagor’s loan                documents, on at least an annual basis.                                                                                                                                                                                                                                                                                                                                                                       | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                       | Interest                on escrow accounts shall be paid, or credited, to mortgagors in accordance                with the applicable state laws. (A compilation of state laws relating                to                the payment of interest on escrow accounts may be obtained through                the                MBA’s FAX ON DEMAND service. For more information, contact                MBA.                                                                                                           |                  | X |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **VI.                Delinquencies (Non-REO Loans)**                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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                (e.g., illness or unemployment). | X                     |   |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **VII.                Insurance Policies (Non-REO Loans)**               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                         | X                     |   |

----

**Exhibit      A, continued**

**Specified      Minimum Servicing Standards for**

**REO      Loans in Special Servicing**

*Minimum      Servicing Standards Applicable to*

*Clarion      Partners, LLC as Special Servicer*

|  **Minimum                Servicing Standards**                 |  **Applicable**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **Not****Applicable** |
|----------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------|
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **I.                Custodial Bank Accounts (REO Loans)**            |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                   | Reconciliations                shall be prepared on a monthly basis for all custodial bank accounts                and                related bank clearing accounts. (SS reviews REO reconciliations that                are                prepared by the third party)                                                                                                                                                                                                                                                    | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                                                                                                     |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                   | Each                custodial account shall be maintained at a federally insured depository                institution in trust for the applicable investor.                                                                                                                                                                                                                                                                                                                                                                 | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                                                                                             |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **II.                Mortgage Payments (REO Loans)**                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                   | Mortgage                payments shall be deposited into the custodial bank accounts and                related                bank clearing accounts within two business days of receipt                                                                                                                                                                                                                                                                                                                                    |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                   | Mortgage                payments made in accordance with the mortgagor’s loan documents shall be                posted to the applicable mortgagor records within two business days                of                receipt.                                                                                                                                                                                                                                                                                          |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                   | Mortgage                payments shall be allocated to principal, interest, insurance, taxes                or                other escrow items in accordance with the mortgagor’s loan                documents                                                                                                                                                                                                                                                                                                      |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                   | Mortgage                payments identified as loan payoffs shall be allocated in accordance                with                the mortgagor’s loan documents.                                                                                                                                                                                                                                                                                                                                                        | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **III.** **Disbursements                (REO Loans)**           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 1.                                                                   | Disbursements                made via wire transfer on behalf of mortgagor or investor shall be                made only by authorized personnel.                                                                                                                                                                                                                                                                                                                                                                       | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                   | Disbursements                made on behalf of a mortgagor or investor shall be posted within                two                business days to the mortgagor’s or investor’s records maintained by the                servicing entity.                                                                                                                                                                                                                                                                        |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                   | Tax                and                insurance payments shall be made on or before                the penalty or insurance policy expirationdates,                as indicated on tax bills and insurance premium                notices, respectively, provided that suchsupport                has been received by the servicing entity at least                thirty (30) calendar days prior to these dates.                                                                                                          | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                   | Any                late payment penalties paid in conjunction with                the payment of any tax bill or insurancepremium                notice shall be paid from the servicing entity's                funds and not charged to the mortgagor,unless                the late payment was due to the late payment was due to the mortgagor's                error or omission.                                                                                                                                      |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 5.                                                                   | Amounts                remitted to investors per the servicer’s investor reports shall agree with                canceled checks, or other form of payment, or custodial bank                statements.                                                                                                                                                                                                                                                                                                               |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 6.                                                                   | Unused                checks shall be safeguarded so as to prevent unauthorized                access.                                                                                                                                                                                                                                                                                                                                                                                                                       |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **IV.                Investor Accounting and Reporting (REO Loans)** |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
| 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.                                                                                                                                                                                                                                        | X                     |   |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **V.                Mortgagor Loan Accounting (REO Loans)**          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                                                 |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 2.                                                                   | Adjustments                on ARM loans shall be computed based on the related mortgage note                and any                ARM rider.                                                                                                                                                                                                                                                                                                                                                                                |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 3.                                                                   | Escrow                accounts shall be analyzed, in accordance with the mortgagor’s loan                documents, on at least an annual basis                                                                                                                                                                                                                                                                                                                                                                        |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 4.                                                                   | Interest                on escrow accounts shall be paid, or credited, to mortgagors in accordance                with the applicable state laws. (A compilation of state laws relating                to                the payment of interest on escrow accounts may be obtained through                the                MBA’s FAX ON DEMAND service. For more information, contact                MBA.                                                                                                           |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **VI.                Delinquencies (REO Loans)**                     |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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                (e.g., illness or unemployment). |                  | X |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| **VII.                Insurance Policies (REO Loans)**               |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |
|                                                                 |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                  |   |
| 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.                                                                                                                                                                                                                                                         | X                     |   |