Unassociated Document


    

      ASSIGNMENT,
ASSUMPTION AND RECOGNITION AGREEMENT

      


      This is an Assignment, Assumption and
Recognition Agreement (the “Agreement”) made as of the 28th day of April, 2010,
among RWT Holdings, Inc., a Delaware corporation (“Assignor”), Sequoia
Residential Funding, Inc., a Delaware corporation (“Depositor”), Wells Fargo
Bank, N.A., a national banking association (“Assignee”), not in its individual
capacity but solely as trustee under a Pooling Agreement dated as of April 1,
2010 (the “Pooling Agreement”), and CitiMortgage, Inc., a New York corporation
(“Citicorp”).

      


      In consideration of the mutual promises
contained herein the parties hereto agree that the mortgage loans (the “Mortgage
Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) now
serviced by Citicorp (together with its successors and assigns, the “Servicer”)
for Assignor and its successors and assigns  pursuant to the Master
Mortgage Loan Purchase and Servicing Agreement dated as of March 1, 2010,
between Assignor and Citicorp (the “Purchase and Servicing Agreement”) and the
servicing thereof shall be subject to the terms of the Purchase and Servicing
Agreement as modified or supplemented by this Agreement. Capitalized terms used
herein but not defined shall have the meanings ascribed to them in the Purchase
and Servicing Agreement.  Assignor will sell the Mortgage Loans to
Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date
hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the
Pooling Agreement.

      


      Assignment
and Assumption

      


      1.           Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and
interest in, to and under the Purchase and Servicing Agreement to the extent
relating to the Mortgage Loans, together with its obligations as "Purchaser" (as
such term is defined in the Purchase and Servicing Agreement) to the extent
relating to the Mortgage Loans, and Depositor hereby accepts such assignment
from Assignor and assumes such obligations.

      


      2.           Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and
interest in, to and under the Purchase and Servicing Agreement to the extent
relating to the Mortgage Loans, together with its obligations as "Purchaser" (as
such term is defined in the Purchase and Servicing Agreement) to the extent
relating to the Mortgage Loans, and Assignee hereby accepts such assignment from
Depositor and assumes such obligations.

      


      3.           Assignee
agrees to be bound, as “Purchaser” (as such term is defined in the Purchase and
Servicing Agreement), by all of the terms, covenants and conditions of the
Purchase and Servicing Agreement relating to the Mortgage Loans, and from and
after the date hereof, Assignee assumes for the benefit of each of Assignor,
Depositor and Citicorp all of Assignor's obligations as Purchaser thereunder in
respect of the Mortgage Loans.


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      4.  Citicorp hereby
acknowledges the foregoing assignments and assumptions and agrees that Assignee
shall be the "Purchaser" under the Purchase and Servicing Agreement with respect
to the Mortgage Loans.

      


      Representations
and Warranties

      


      5.            Assignor
warrants and represents to, and covenants with, Depositor, Assignee and Citicorp
as of the date hereof that:

      


      (a)            Attached
hereto as Attachment 2 is a true and accurate copy of the Purchase and Servicing
Agreement which agreement is in full force and effect as of the date hereof and
the provisions of which have not been waived, amended or modified in any
respect, nor has any notice of termination been given thereunder;

      


      (b)            Assignor
is the lawful owner of its interests, rights and obligations under the Purchase
and Servicing Agreement to the extent of the Mortgage Loans free and clear from
any and all claims and encumbrances whatsoever, and upon the transfer of such
interests, rights and obligations to Assignee as contemplated herein, Assignee
shall have good title to all of Assignee's interests, rights and obligations
under the Purchase and Servicing Agreement to the extent of the Mortgage Loans,
free and clear of all liens, claims and encumbrances;

      


      (c)            There
are no offsets, counterclaims or other defenses available to Citicorp with
respect to the Purchase and Servicing Agreement;

      


      (d)            Assignor
is duly organized, validly existing and in good standing under the laws of the
jurisdiction of its incorporation, and has all requisite power and authority to
enter into and perform its obligations under the Purchase and Servicing
Agreement;

      


      (e)            Assignor
has full corporate power and authority to execute, deliver and perform its
obligations under this Agreement, and to consummate the transactions set forth
herein.  The consummation of the transactions contemplated by this
Agreement is in the ordinary course of Assignor’s business and will not conflict
with, or result in a breach of, any of the terms, conditions or provisions of
Assignor’s charter or by-laws or any legal restriction, or any material
agreement or instrument to which Assignor is now a party or by which it is
bound, or result in the violation of any law, rule, regulation, order, judgment
or decree to which Assignor or its property is subject.  The
execution, delivery and performance by Assignor of this Agreement and the
consummation by it of the transactions contemplated hereby, have been duly
authorized by all necessary corporate action on part of
Assignor.  This Agreement has been duly executed and delivered by
Assignor and, upon the due authorization, execution and delivery by Assignee,
will constitute the valid and legally binding obligation of Assignor enforceable
against Assignor in accordance with its terms except as enforceability may be
limited by bankruptcy, reorganization, insolvency, moratorium or other similar
laws now or hereafter in effect relating to creditors’ rights generally, and by
general principles of equity regardless of whether enforceability is considered
in a proceeding in equity or at law; and


      
        
           


        

        
          2

          
            

          

        

        
           


        

      

      


      (f)            No
consent, approval, order or authorization of, or declaration, filing or
registration with, any governmental entity is required to be obtained or made by
Assignor in connection with the execution, delivery or performance by Assignor
of this Agreement, or the consummation by it of the transactions contemplated
hereby.

      


      6.           Depositor
warrants and represents to, and covenants with, Assignor, Assignee and Citicorp
that as of the date hereof:

      


      (a)            Depositor
is a Delaware corporation duly organized, validly existing and in good standing
under the laws of the jurisdiction of its incorporation;

      


      (b)            Depositor
has full corporate power and authority to execute, deliver and perform its
obligations under this Agreement, and to consummate the transactions set forth
herein.  The consummation of the transactions contemplated by this
Agreement is in the ordinary course of Depositor’s business and will not
conflict with, or result in a breach of, any of the terms, conditions or
provisions of Depositor’s charter or by-laws or any legal restriction, or any
material agreement or instrument to which Depositor is now a party or by which
it is bound, or result in the violation of any law, rule, regulation, order,
judgment or decree to which Depositor or its property is subject.  The
execution, delivery and performance by Depositor of this Agreement and the
consummation by it of the transactions contemplated hereby, have been duly
authorized by all necessary corporate action on part of Depositor. This
Agreement has been duly executed and delivered by Depositor and, upon the due
authorization, execution and delivery by Assignor, will constitute the valid and
legally binding obligation of Depositor enforceable against Depositor in
accordance with its terms except as enforceability may be limited by bankruptcy,
reorganization, insolvency, moratorium or other similar laws now or hereafter in
effect relating to creditors’ rights generally, and by general principles of
equity regardless of whether enforceability is considered in a proceeding in
equity or at law; and

      


      (c)            No
consent, approval, order or authorization of, or declaration, filing or
registration with, any governmental entity is required to be obtained or made by
Depositor in connection with the execution, delivery or performance by Depositor
of this Agreement, or the consummation by it of the transactions contemplated
hereby other than any that have been obtained or made.

      


      7.           Assignee
warrants and represents to, and covenants with, Assignor, Depositor and Citicorp
that as of the date hereof:

      


      (a)            Assignee
is a national banking association duly organized, validly existing and in good
standing under the laws of the jurisdiction of its organization;
and


      
        
           


        

        
          3

          
            

          

        

        
           


        

      

      


      (b)            Assignee
has been directed to enter into this Agreement pursuant to the provisions of the
Pooling Agreement.  The execution, delivery and performance by
Assignee of this Agreement and the consummation by it of the transactions
contemplated hereby, have been duly authorized by all necessary corporate action
on part of Assignee. This Agreement has been duly executed and delivered by
Assignee and, upon the due authorization, execution and delivery by Assignor,
will constitute the valid and legally binding obligation of Assignee enforceable
against Assignee in accordance with its terms except as enforceability may be
limited by bankruptcy, reorganization, insolvency, moratorium or other similar
laws now or hereafter in effect relating to creditors’ rights generally, and by
general principles of equity regardless of whether enforceability is considered
in a proceeding in equity or at law.

      


      8.            Citicorp
warrants and represents to, and covenants with, Assignor, Depositor and Assignee
as of the date hereof that:

      


      (a)            Attached
hereto as Attachment 2 is a true and accurate copy of the Purchase and Servicing
Agreement which agreement is in full force and effect as of the date hereof and
the provisions of which have not been waived, amended or modified in any
respect, nor has any notice of termination been given thereunder;

      


      (b)            Citicorp
is duly organized, validly existing and in good standing under the laws of the
jurisdiction of its incorporation, and has all requisite power and authority to
service the Mortgage Loans and otherwise to perform its obligations under the
Purchase and Servicing Agreement;

      


      (c)            Citicorp
has full corporate power and authority to execute, deliver and perform its
obligations under this Agreement, and to consummate the transactions set forth
herein.  The consummation of the transactions contemplated by this
Agreement is in the ordinary course of Citicorp’s business and will not conflict
with, or result in a breach of, any of the terms, conditions or provisions of
Citicorp’s charter or by-laws or any legal restriction, or any material
agreement or instrument to which Citicorp is now a party or by which it is
bound, or result in the violation of any law, rule, regulation, order, judgment
or decree to which Citicorp or its property is subject.  The
execution, delivery and performance by Citicorp of this Agreement and the
consummation by it of the transactions contemplated hereby, have been duly
authorized by all necessary corporate action on part of
Citicorp.  This Agreement has been duly executed and delivered by
Citicorp and, upon the due authorization, execution and delivery by Assignor and
Assignee, will constitute the valid and legally binding obligation of Citicorp
enforceable against Citicorp in accordance with its terms except as
enforceability may be limited by bankruptcy, reorganization, insolvency,
moratorium or other similar laws now or hereafter in effect relating to
creditors’ rights generally, and by general principles of equity regardless of
whether enforceability is considered in a proceeding in equity or at law;
and

      


      (d)            No
consent, approval, order or authorization of, or declaration, filing or
registration with, any governmental entity is required to be obtained or made by
Citicorp in connection with the execution, delivery or performance by Citicorp
of this Agreement, or the consummation by it of the transactions contemplated
hereby.


      
        
           


        

        
          4

          
            

          

        

        
           


        

      

      


      Restated
Citicorp Representations and Warranties

      


      9.           Pursuant
to Section 5.05(b)(i) of the Purchase and Servicing Agreement, Citicorp hereby
restates to Depositor and Assignee (a) the representations and warranties set
forth in Section 6.01 of the Purchase and Servicing Agreement as of the related
Closing Date and (b) the representations and warranties set forth in Section
6.02 of the Purchase and Servicing Agreement as of the date hereof, as if such
representations and warranties were set forth herein in full; provided, however,
that the representation and warranty set forth in Section 6.01(cc) of the
Purchase and Servicing Agreement is deleted in its entirety and replaced with
the following:

      


      Except
with respect to interest-only Mortgage Loans, principal payments on the Mortgage
Loan commenced no more than sixty (60) days after the proceeds of the Mortgage
Loan were disbursed.  The Mortgage Loan bears interest at the Mortgage
Interest Rate.  With respect to each Fixed Rate Mortgage Loan, the
Mortgage Note is payable on the first day of each month in equal monthly
installments of principal and interest, with interest in arrears, providing for
full amortization following any interest only period, if applicable, by maturity
over a scheduled term of not more than thirty (30) years.  With
respect to each Adjustable Rate Mortgage Loan, the Mortgage Note is payable on
the first day of each month in Monthly Payments which are changed on each
Adjustment Date to an amount which will fully amortize the unpaid principal
balance of the Mortgage Loan over its remaining term at the Mortgage Interest
Rate following any interest only period, if applicable.  The Mortgage
Note does not permit negative amortization.

      


      In the
event of a breach of any representations and warranties referred to in clauses
(a) or (b) above as of the related Closing Date or the date hereof, as the case
may be, Depositor and Assignee shall be entitled to all the remedies under the
Purchase and Servicing Agreement.

      


      Recognition
of Assignee

      


      10.           From
and after the date hereof, subject to Sections 12 and 13 below, Citicorp shall
recognize Assignee as owner of the Mortgage Loans and will service the Mortgage
Loans in accordance with the Purchase and Servicing Agreement, as if Assignee
and Citicorp had entered into a separate purchase and servicing agreement for
the servicing of the Mortgage Loans in the form of the Purchase and Servicing
Agreement, the terms of which are incorporated herein by
reference.  It is the intention of Assignor, Depositor, Citicorp and
Assignee that this Agreement will constitute a separate and distinct servicing
agreement, and the entire agreement, between Citicorp and Assignee to the extent
of the Mortgage Loans and shall be binding upon and for the benefit of the
respective successors and assigns of the parties hereto.


      
        
           


        

        
          5

          
            

          

        

        
           


        

      

      


      11.           The
Mortgage Loans shall be serviced by Citicorp for Assignee in accordance with all
applicable state, federal and local laws as well as in conformity with the
provisions of the applicable Mortgages and Mortgage Notes, and pursuant to the
terms and conditions of this Agreement.

      


      Assignor's
Continuing Rights and Responsibilities

      


      12.           (a)            Citicorp
agrees and acknowledges that Redwood Trust, Inc., an Affiliate of the Depositor,
in its capacity as Controlling Holder pursuant to the Pooling Agreement, and for
so long as it is the Controlling Holder, will assume all of Purchaser's rights
and all related responsibilities of the Purchaser under each of the following
sections of the Purchase and Servicing Agreement:

      


      
        Purchase and Servicing
Agreement:

      

       

      
        
          
            
              	
                      Section

                    	 
      	
                      Matter

                    
	 
      	 
      	 
      
	
                      6.03
      (a), (b) and (c)

                    	 
      	
                      Remedies
      for Breach of Representations and Warranties.

                    
	 
      	 
      	 
      
	
                      6.04

                    	 
      	
                      Early
      Payment Default Repurchases

                    
	 
      	 
      	 
      
	
                      10.01, 2nd,
      5th
      and  

                      6th
      ¶'s

                    	
                        

                    	
                      Servicer
      to Act as Servicer.

                    
	 
      	 
      	 
      
	
                      10.17,
      2nd, 6th

                      and 7th ¶

                    	 
      	
                      Title,
      Management and Disposition of REO Property.

                    
	 
      	 
      	 
      
	
                      12.04

                    	 
      	
                      Right
      to Examine Servicer Records

                    
	 
      	 
      	 
      
	
                      12.05

                    	 
      	
                      Seller
      Shall Provide Access/Information as Reasonably
Required.

                    
	 
      	 
      	 
      
	
                      15.02,
      2nd and 3rd sentences

                    	
                        

                    	
                      Termination
      of Servicer without
cause

                    


            

          

        

      

      


      (b)            Notwithstanding
Sections 1 and 10 above, Assignor reserves its rights under, and does not assign
to Assignee or Depositor, the ongoing rights to take action and the
responsibilities of the Purchaser under the sections of the Purchase and
Servicing Agreement listed below:

      


      
        Purchase and Servicing
Agreement:

      

       

      
        
          
            	
                    Section

                  	 
      	
                    Matter

                  
	
                    6.05

                  	 
      	
                    Purchase
      Price Protection

                  
	 
      	 
      	 
      
	
                    10.18

                  	
                      

                  	
                    Regulation
      AB

                  


          

        

      

       

      
        
           


        

        
          6

          
            

          

        

        
           


        

      

      


      (c)            In
addition, Citicorp agrees to furnish to Assignor copies of reports, notices,
statements and other communications required to be delivered to the Assignee by
Citicorp pursuant to any of the sections of the Purchase and Servicing Agreement
referred to above and under the following sections, at the times therein
specified:

      


      
        Purchase and Servicing
Agreement:

      

       

      
        
          
            	
                    Section

                  	 
      	 
      
	 
      	 
      	 
      
	
                    10.14

                  	 
      	
                    Transfer
      of Accounts.

                  
	 
      	 
      	 
      
	
                    11.02

                  	 
      	
                    Statements
      to Purchaser.

                  
	 
      	 
      	 
      
	
                    Subsection
      1.04

                    of
      Exhibit M

                  	 
      	
                    Servicer
      Compliance Statement.

                  
	 
      	 
      	 
      
	
                    Subsection
      1.05

                    of
      Exhibit M

                  	 
      	
                    Report
      on Assessment of Compliance and
Attestation.

                  


          

        

      

      


      (d)           If
any Affiliate of the Depositor is no longer the Controlling Holder under the
Pooling Agreement, then:

      


      (i)           all
rights and responsibilities assumed by the Controlling Holder pursuant to
Section 12(a) shall terminate and revert to Assignee; provided, however, that
the rights and responsibilities assumed by the Controlling Holder under the
following provisions shall terminate in their entirety as to the Mortgage
Loans:  (A) the last sentence of the 5th paragraph of Section 10.01
(Servicing Advances in excess of $25,000), (B) all review and approval rights of
the Purchaser set forth in the second paragraph of Section 10.01, (C) the second
sentence of the 6th paragraph of Section 10.01 (environmental inspection
reports  and related foreclosure decisions), (D) the third sentence of
the second paragraph of Section 10.17 (REO disbursements in excess of $25,000)
and (E) the second and third sentences of Section 15.02 (termination of Servicer
without cause); and

      


      (ii)           all
obligations of Citicorp under Section 12(c) shall terminate.

      


      Assignor
will provide thirty (30) days notice to Citicorp of any such
termination.


      
        
           


        

        
          7

          
            

          

        

        
           


        

      

      


      Amendments
to Purchase and Servicing Agreement

      


      13.          The
parties agree that the Purchase and Servicing Agreement shall be amended, solely
with respect to the Mortgage Loans, as follows:

      


      (a)           Definitions.  The
definitions of "Opinion of Counsel," “Repurchase Price” and "Stated Principal
Balance" set forth in Section 1.01 of the Purchase and Servicing Agreement shall
be amended, to read in its entirety as follows (capitalized terms not defined in
the Purchase and Servicing Agreement to be as defined as specified on
Attachment 3):

      


      Opinion of
Counsel:  A written opinion of counsel, reasonably acceptable
in form and substance to the Trustee, and who may be in-house or outside counsel
to the Depositor, the Seller, the Servicer or the Trustee but which must be
Independent outside counsel with respect to any such opinion of counsel
concerning the taxation or the federal income tax status of each
REMIC.

      


      Repurchase
Price:  With respect to any Mortgage Loan, a price equal to (i)
the Stated Principal Balance of such Mortgage Loan, without giving effect to any
Servicing Modification, plus (ii) interest on such Stated Principal Balance
at the Mortgage Interest Rate from and including the last Due Date through which
interest has been paid by or on behalf of the Mortgagor up to the Due Date
following the date of repurchase, less amounts received in respect of such
repurchased Mortgage Loan which are being held in the Custodial Account for
distribution in connection with such Mortgage Loan.

      


      Stated Principal
Balance:  As to any Mortgage Loan and date of determination,
the unpaid principal balance of such Mortgage Loan as of the most recent Due
Date as determined by the amortization schedule for the Mortgage Loan at the
time relating thereto (before any adjustment to such amortization schedule by
reason of any moratorium or similar waiver or grace period) after giving effect
to any previous Servicing Modification, Principal Prepayments and Liquidation
Proceeds allocable to principal and to the payment of principal due on such Due
Date (but not unscheduled Principal Prepayments received on such Due Date) and
irrespective of any delinquency in payment by the related
Mortgagor.

      


      (b)           Servicing
Standard.  In servicing the Mortgage Loans in accordance with
the Purchase and Servicing Agreement and Customary Servicing Procedures, the
Servicer shall service the Mortgage Loans with a view to the best interests of
all holders of the Sequoia Mortgage Trust 2010-H1 Mortgage Pass-Through
Certificates as a single class.

       

      
        If the
Controlling Holder notifies the Servicer that it intends to purchase a Mortgage
Loan that has been Delinquent for 120 days or more pursuant to the Pooling
Agreement, the Servicer will assess the proposed purchase in the same manner as
it would assess whether to do a short sale. If the proposed purchase price
equals or exceeds the price at which a short sale would otherwise be effected,
the Servicer shall permit such purchase.a

      

      


      (c)           Restrictions on Subservicing
Agreement Changes.  The Servicer shall not make any amendments
to any Subservicing Agreement or enter into a different form of Subservicing
Agreement pursuant to Section 10.02 of the Purchase and Servicing Agreement if
any such amendment or form is not consistent with or violates the provisions of
the Purchase and Servicing Agreement, or if such amendment or form could be
reasonably expected to be materially adverse to the interests of
Purchaser.


      
        
           


        

        
          8

          
            

          

        

        
           


        

      

      


      (d)           Segregated Custodial
Account.  In addition to the requirements of Section 10.09 of
the Purchase and Servicing Agreement, the Servicer shall establish and maintain
a Custodial Account titled “Citimortgage, Inc., in trust for Wells Fargo Bank,
N.A., as trustee of the Sequoia Mortgage Trust 2010-H1”  (the “2010-H1
Custodial Account”), which shall be the Custodial Account under this Agreement
for all purposes.  If the short-term credit rating of the depository
where the 2010-H1 Custodial Account is established is downgraded below "P-1" by
Moody's Investors Service, Inc., the Servicer shall transfer the 2010-H1
Custodial Account to another depository having a short-term credit rating that
is no lower than " P-1" by Moody's.

      


      (e)            Termination of Servicing
Upon Purchase of All Mortgage Loans.  When the outstanding
principal balance of the Mortgage Loans is less than ten percent (10%) of the
outstanding principal balance of the Mortgage Loans as of the date of this
Agreement, the Servicer may terminate this Agreement by purchasing all of the
Mortgage Loans and all property acquired in respect of any Mortgage Loan
remaining in the Sequoia Mortgage Trust 2010-H1, at a price equal to 100% of the
unpaid principal balance of each Mortgage Loan (or, if less than such unpaid
principal balance, the fair market value of the related underlying property of
such Mortgage Loan with respect to Mortgage Loans as to which title to such
underlying property has been acquired if such fair market value is less than
such unpaid principal balance) on the day of repurchase, plus accrued interest
thereon, to, but not including, the first day of the month in which such
repurchase price is distributed; provided, that the purchase price set forth
above shall be increased as is necessary, as determined by the Depositor, to
avoid disqualification of any REMIC created under the Pooling Agreement as a
REMIC.   The Servicer shall provide to the Purchaser not less
than thirty (30) days prior written notice of its intent to exercise its
purchase and termination right under this Section 13(e), and shall provide the
plan of liquidation required to effect a "qualified liquidation" under the REMIC
Provisions and otherwise cause the termination of the Trust Fund to be a
"qualified liquidation" under the REMIC Provisions.   In
connection with such termination, the Servicer shall provide an Opinion of
Counsel to the Purchaser confirming that the termination is a "qualified
liquidation" under the REMIC provisions.

      


      (f)            Shorter Cure Period for
Failure to Provide Distribution Data.   An additional
“Event of Default” shall be listed in Section 14.01, to be inserted after clause
(h), to read in its entirety as follows:

      


      or (i) Servicer shall fail to
provide to Assignee the data set forth in Exhibit J pursuant to the first
paragraph of Section 11.02 and such failure shall continue for three Business
Days after notice of such failure has been given to Servicer by
Assignee;


      
        
           


        

        
          9

          
            

          

        

        
           


        

      

      


      (g)           Exhibit P Form of Notice of
Sale.  Exhibit P, Form of Notice of Sale, shall be replaced in
its entirety with Exhibit P to this Agreement.

      


      (h)           REMIC
Provisions.

      


      (i)           The
following definition of “REMIC Provisions” is hereby added to Section 1.01 of
the Purchase and Servicing Agreement (capitalized terms not defined in the
Purchase and Servicing Agreement to be as defined in the Pooling
Agreement):

      


      REMIC
Provisions:   Sections 860A through 860G of the Internal
Revenue Code; such other provisions of the Code as relate to an entity created
thereunder;  the regulations promulgated pursuant such sections and
provisions of the Code; and published guidance issued by the Internal Revenue
Service relating to such Code sections and regulations.

      


      (ii)           The
following paragraph shall be added to the end of Section 10.17, to read in its
entirety as follows:

      


      If a
Mortgage Loan is held by a REMIC, the Servicer shall not acquire any real
property (or personal property incident to such real property) in respect of
such Mortgage Loan except in connection with a default or imminent default of
such Mortgage Loan. In the event that a REMIC acquires any real property (or
personal property incident to such real property) in connection with a default
or imminent default of a Mortgage Loan, such property shall be disposed of by
the Servicer as soon as practicable in a manner that, consistent with prudent
mortgage loan servicing practices, maximizes the net present value of the
recovery to the trust formed pursuant to the Pooling Agreement (the "Trust"),
but in any event within three years after its acquisition by such REMIC unless
the Servicer provides to the Purchaser an Opinion of Counsel to the effect that
the holding by such REMIC of such Mortgaged Property subsequent to three years
after its acquisition will not result in the imposition of taxes on “prohibited
transactions” on such REMIC as defined in Section 860F of the Code or under the
law of any state in which real property securing a Mortgage Loan owned by such
REMIC is located or cause such REMIC to fail to qualify as a REMIC for federal
income tax purposes or for state tax purposes under the laws of any state in
which real property securing a Mortgage Loan owned by such REMIC is located at
any time that any mortgage pass-through certificates representing interests in
such REMIC are outstanding. The Servicer shall conserve, protect and operate
each such property for such REMIC solely for the purpose of its prompt
disposition and sale in a manner which does not cause such property to fail to
qualify as “foreclosure property” within the meaning of Section 860G(a)(8) or
result in the receipt by such REMIC of any “income from non-permitted assets”
within the meaning of Section 860F(a)(2)(B) of the Code or any “net income from
foreclosure property” which is subject to taxation under the REMIC Provisions.
Pursuant to its efforts to sell such property, the Servicer shall either itself
or through an agent selected by the Servicer protect and conserve such property
in the same manner and to such extent as is customary in the locality where such
property is located and may, incident to its conservation and protection of the
assets of the Trust, rent the same, or any part thereof, as the Servicer deems
to be in the best interest of the Trust for the period prior to the sale of such
property. Additionally, the Servicer shall perform the tax withholding and shall
file information returns with respect to the receipt of mortgage interests
received in a trade or business, the reports of foreclosures and abandonments of
any Mortgaged Property and the information returns relating to cancellation of
indebtedness income with respect to any Mortgaged Property required by Sections
6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Purchaser
an Officers’ Certificate on or before March 31 of each year stating that such
reports have been filed.  Such reports shall be in form and substance
sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J
and 6050P of the Code.


      
        
           


        

        
          10

          
            

          

        

        
           


        

      

      


      (i)           Addition of Co-op Loan
Document Description to Exhibit H.  The following paragraph
shall be appended to the end of Exhibit H:

      


      
        	
                 
      

              	
                8.  With
      respect to each Mortgage Loan that is secured by a first lien on and a
      perfected security interest in Co-op Shares and the related Proprietary
      Lease (as such terms are defined below) granting exclusive rights to
      occupy the related co-op unit in the building owned by the related co-op
      corporation, in lieu of delivering the documents listed above the Seller
      shall deliver the following documents to the Purchaser or its
      designee:

              


      

      


      
        (i)             
the
original Mortgage Note together with any applicable riders, endorsed in blank,
with all prior and intervening endorsements as may be necessary to show a
complete chain of endorsements;

      

      


      
        (ii)             the
original security agreement;

      

      


      
        (iii)           
the
original lease on a co-op unit evidencing the possessory interest of the owner
of the Co-op Shares in such co-op unit (the "Proprietary Lease") and an original
assignment of the Proprietary Lease in blank;

      

      


      
        (iv)           
the
original recognition agreement;

      

      


      
        (v)            
the
original stock certificate representing the shares of stock issued by a co-op
corporation and allocated to a co-op unit (the "Co-op Shares") and original
stock power in blank;

      

      


      
        (vi)           
the
original UCC-1 financing statement with evidence of filing;
and

      

      


      
        (vii)           the
original UCC-3 assignment in blank.

      


      
        
           


        

        
          11

          
            

          

        

        
           


        

      

      


      (j)           Form of Monthly
Report.  The Servicer shall provide monthly reports to the
Purchaser pursuant to Section 11.02 of the Purchase and Servicing Agreement in
the format attached hereto as Exhibit J, which shall replace, in its entirety,
Exhibit J to the Purchase and Servicing Agreement, or in such other format as
the Servicer, the Purchaser and the Depositor shall agree in
writing.

       

      
        (k)         Change to Definition of
Eligible Investments.  Clauses (ii), (iv), (v) and (vii) of the
definition of "Eligible Investments" shall be amended and replaced, to read in
its entirety as follows:

        


        (ii)            (a)
demand or time deposits, federal funds or bankers’ acceptances issued by any
depository institution or trust company incorporated under the laws of the
United States of America or any state thereof and subject to supervision and
examination by federal and/or state banking authorities, provided that the
commercial paper and/or the short-term deposit rating and/or the long-term
unsecured debt obligations or deposits of such depository institution or trust
company at the time of such investment or contractual commitment providing for
such investment are rated in one of the two highest rating categories by the
Rating Agency for long-term unsecured debt or at least "P-1" with respect to
short-term obligations and (b) any other demand or time deposit or certificate
of deposit that is fully insured by the FDIC;

        


        (iv)            securities
bearing interest or sold at a discount issued by any corporation incorporated
under the laws of the United States of America or any state thereof that are
rated in one of the two highest rating categories by each Rating Agency for
long-term unsecured debt or at least "P-1" with respect to short-term
obligations, in each case at the time of such investment or contractual
commitment providing for such investment; provided, however, that securities
issued by any particular corporation will not be Eligible Investments to the
extent that investments therein will cause the then outstanding principal amount
of securities issued by such corporation and held as Eligible Investments to
exceed 10% of the aggregate outstanding principal balances of all of the
Mortgage Loans and Eligible Investments;

        


        (v)            commercial
paper (including both non-interest-bearing discount obligations and
interest-bearing obligations payable on demand or on a specified date not more
than one year after the date of issuance thereof) that is rated at least "P-1"
by the Rating Agency at the time of such investment;

        


                   (vii)            any
money market funds the collateral of which consists of obligations fully
guaranteed by the United States of America or any agency or instrumentality of
the United States of America the obligations of which are backed by the full
faith and credit of the United States of America (which may include repurchase
obligations secured by collateral described in clause (i)) and which money
market funds are rated in one of the two highest rating categories by the Rating
Agency for long-term unsecured debt or at least "P-1" with respect to short-term
obligations.

         

      

      Miscellaneous

      


      14.           All
demands, notices and communications related to the Mortgage Loans, the Purchase
and Servicing Agreement and this Agreement shall be in writing and shall be
deemed to have been duly given if personally delivered at or mailed by
registered mail, postage prepaid, as follows:

      


      
        	
              	
                (a) 

              	
                In
      the case of Citicorp,

              


      

      


      CitiMortgage,
Inc.

      1000
Technology Drive, MS 55,

      O’Fallon,
Missouri 63368

      Attention:
Capital Markets

      


      with a
copy to

      


      Investor
Reporting Department, MS 313

      


      
        	
              	
                (b) 

              	
                In
      the case of Assignee,

              


      

      


      Wells
Fargo Bank, N.A., as Trustee

      9062 Old
Annapolis Road

      Columbia,
Maryland  21045

      Attention:  Corporate
Trust Services – Sequoia Mortgage Trust 2010-H1

      


      
        	
              	
                 (c) 

              	
                In
      the case of Depositor,

              


      

      


      Sequoia
Residential Funding, Inc.

      One
Belvedere Place, Suite 360

      Mill
Valley, California 94904

      Attention:
William Moliski

      


      with a
copy to

      


      General
Counsel at the same address


      
        
           


        

        
          12

          
            

          

        

        
           


        

      

      


      
        	
              	
                (d) 

              	
                In
      the case of Assignor,

              


      

      


      RWT
Holdings, Inc.

      One
Belvedere Place, Suite 360

      Mill
Valley, California 94904

      Attention:
William Moliski

      


      with a
copy to

      


      General
Counsel at the same address

      


      15.          This
Agreement shall be construed in accordance with the laws of the State of New
York, except to the extent preempted by Federal law, and the obligations, rights
and remedies of the parties hereunder shall be determined in accordance with
such laws, without regard to the conflicts of laws provisions of the State of
New York or any other jurisdiction.

      


      16.          No
term or provision of this Agreement may be waived or modified unless such waiver
or modification is in writing and signed by the party against whom such waiver
or modification is sought to be enforced.

      


      17.          This
Agreement shall inure to the benefit of the successors and assigns of the
parties hereto.  Any entity into which Assignor, Depositor, Assignee
or Citicorp may be merged or consolidated shall, without the requirement for any
further writing, be deemed Assignor, Depositor, Assignee or Citicorp,
respectively, hereunder.

      


      18.          This
Agreement shall survive the conveyance of the Mortgage Loans, the assignment of
the Purchase and Servicing Agreement to the extent of the Mortgage Loans by
Assignor to Assignee and the termination of the Purchase and Servicing
Agreement.

      


      19.          This
Agreement may be executed simultaneously in any number of
counterparts.  Each counterpart shall be deemed to be an original, and
all such counterparts shall constitute one and the same instrument.

      


      20.          Redwood
Trust, Inc., as the initial Controlling Holder under the Pooling Agreement, is
an express third party beneficiary of this Agreement, and shall have the same
power and ability to exercise and enforce the rights stated to be provided to it
hereunder as if it were a signatory hereto. Citicorp hereby consents to such
exercise and enforcement. 


      
        
           


        

        
          13

          
            

          

        

        
           


        

      

      


      21.          It
is expressly understood and agreed by the parties hereto that insofar as this
Agreement is executed by the Trustee (i) this Agreement is executed and
delivered by Wells Fargo Bank, N.A. (“Wells Fargo”) not in its individual
capacity but solely as Trustee on behalf of the trust created by the Pooling
Agreement referred to herein (the “Trust”) in the exercise of the powers and
authority conferred and invested in it, and as directed in the Pooling
Agreement, (ii) each of the undertakings and agreements herein made on behalf of
the Trust is made and intended not as personal undertakings and agreements of or
by Wells Fargo but is made and intended for purposes of binding only the Trust,
(iii) nothing herein contained shall be construed as creating any liability on
the part of Wells Fargo, individually or personally, to perform any covenant
either express or implied in this Agreement, all such liability, if any, being
expressly waived by the parties hereto and by any person claiming by, through or
under the parties hereto, and (iv) under no circumstances shall Wells Fargo in
its individual capacity or in its capacity as Trustee be personally liable for
the payment of any indebtedness, amounts or expenses owed by the Purchaser under
the Servicing Agreement (such indebtedness, expenses and other amounts being
payable solely from and to the extent of funds of the Trust) or be personally
liable for the breach or failure of any obligation, representation, warranty or
covenant made under this Agreement or any other related documents.

      


      22.          Citicorp
shall make all remittances due by it to the Purchaser with respect to the
Mortgage Loans to the following account by wire transfer of immediately
available funds:

      


      Wells
Fargo Bank, N.A.

      San
Francisco, California

      ABA#
121-000-248

      Account #
3970771416

      Account
Name:  SAS Clearing

      FFC:
Account #82375300, Sequoia Mortgage Trust 2010-H1
Distribution Account

      


      23.          Citicorp
acknowledges that the custodian will be Wells Fargo Bank. N.A. acting pursuant
to the Custodial Agreement.  Requests for Mortgage Loan Documents
under Section 5.03 of the Purchase and Servicing Agreement shall be directed to
Wells Fargo Bank, N.A., as custodian, using the form of Request for Release in
the form of Exhibit F hereto.  Citicorp shall provide the Custodian
with the specimen signatures of Citicorp's authorized servicing representatives
using the form in Exhibit D-3 hereto.  Notwithstanding Section 5.03 of
the Servicing Agreement, Citicorp shall pay shipping expenses for any Mortgage
Loan Documents (a) if there has been a breach of any representation or warranty
made with respect to the related Mortgage Loan in Section 6.01 or 6.02 of the
Purchase and Servicing Agreement or (b) if Citicorp has elected to terminate the
Trust Fund pursuant to Section 13(e) of this Agreement.  In all other
cases where Mortgage Loan Documents are required to be shipped to Citicorp in
connection with the servicing thereof, the Depositor shall pay the related
shipping expenses.


      
        
           


        

        
          14

          
            

          

        

        
           


        

      

      


      IN
WITNESS WHEREOF, the parties hereto have executed this Agreement the day and
year first above written.

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  	
                                          RWT
      HOLDINGS, INC.

                                        
	
                                          Assignor

                                        
	 
      	 
      
	
                                          By:

                                        	  
      
	
                                          Name: 

                                        	  
      
	
                                          Title:

                                        	  
      
	 
      	 
      
	
                                          SEQUOIA
      RESIDENTIAL FUNDING, INC.

                                        
	
                                          Depositor

                                        
	 
      	 
      
	
                                          By:

                                        	 
      
	
                                          Name:

                                        	 
      
	
                                          Title:

                                        	 
      
	 
      	 
      
	
                                          WELLS
      FARGO BANK, N.A., not in its individual

                                          capacity
      but solely as Trustee,

                                        
	
                                          Assignee

                                        
	 
      	 
      
	
                                          By:

                                        	 
      
	
                                          Name:

                                        	 
      
	
                                          Title:

                                        	 
      
	 
      	 
      
	
                                          CITIMORTGAGE,
      INC.

                                        
	
                                          Citicorp

                                        
	 
      	 
      
	
                                          By:

                                        	 
      
	
                                          Name:

                                        	 
      
	
                                          Title:

                                        	 
      


                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
           


        

        
          15

          
            

          

        

        
           


        

      

    

     

    ATTACHMENT
1

    


    MORTGAGE LOAN
SCHEDULE



    
      
         


      

      
        16

        
          

        

      

      
         


      

    

     

    ATTACHMENT
2

    


    MORTGAGE LOAN PURCHASE AND
SERVICING AGREEMENT



    
      
         


      

      
        17

        
          

        

      

      
         


      

    

     

    ATTACHMENT
3

    


    ADDITIONAL DEFINED TERMS
FROM POOLING AGREEMENT

    


    Affiliate:  With
respect to any specified Person, any other Person controlling or controlled by
or under common control with such specified Person.  For the purposes
of this definition, “control” when used with respect to any specified Person
means the power to direct the management and policies of such Person, directly
or indirectly, whether through the ownership of voting securities, by contract
or otherwise; and the terms “controlling” and “controlled” have meanings
correlative to the foregoing.

    


    Independent:  When
used with respect to any other Person, a Person who (a) is in fact independent
of another specified Person and any Affiliate of such other Person, (b) does not
have any material direct financial interest in such other Person or any
Affiliate of such other Person, and (c) is not connected with such other Person
or any Affiliate of such other Person as an officer, employee, promoter,
underwriter, trustee, partner, director or Person performing similar
functions.

     

    Liquidation
Proceeds:  Amounts, including Insurance Proceeds, received in
connection with the partial or complete liquidation of defaulted Mortgage Loans,
whether through trustee’s sale, foreclosure sale or otherwise or amounts
received in connection with any condemnation or partial release of a Mortgaged
Property and any other proceeds received in connection with an REO
Property.

    


    Principal Forbearance
Amount: With respect to a Mortgage Loan that was the subject of a
Servicing Modification, the amount of principal of the Mortgage Loan that has
been deferred and that does not accrue interest.

    


    Servicing
Modification: Any reduction of the Mortgage Interest Rate on or the
outstanding principal balance of a Mortgage Loan, any extension of the final
maturity date of a Mortgage Loan, any increase to the outstanding principal
balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid
principal and interest and other amounts owing under the Mortgage Loan, any
Principal Forbearance Amount and any other modification, in each case pursuant
to a modification of a Mortgage Loan that is in default or for which, in the
judgment of the Servicer, default is reasonably foreseeable in accordance with
the Purchase and Servicing Agreement.



    
      
         


      

      
        18

        
          

        

      

      
         


      

    

     

    EXHIBIT
D-3

    


    INITIAL AUTHORIZED
REPRESENTATIVES OF THE SERVICER

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        
                                                                          
                                                                            
                                                                              
                                                                                
                                                                                  
                                                                                    
                                                                                      
                                                                                        
                                                                                          
                                                                                            
                                                                                              
                                                                                                
                                                                                                  
                                                                                                    
                                                                                                      
                                                                                                        	
                                                                                                                Name

                                                                                                              	 
      	
                                                                                                                Title

                                                                                                              	 
      	
                                                                                                                Specimen Signature

                                                                                                              
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      
	 
      	
                                                                                                                  

                                                                                                              	 
      	
                                                                                                                  

                                                                                                              	 
      


                                                                                                      

                                                                                                    

                                                                                                  

                                                                                                

                                                                                              

                                                                                            

                                                                                          

                                                                                        

                                                                                      

                                                                                    

                                                                                  

                                                                                

                                                                              

                                                                            

                                                                          

                                                                        

                                                                      

                                                                    

                                                                  

                                                                

                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    


    
      
         


      

      
        19

        
          

        

      

      
         


      

    

     

    EXHIBIT
F

    


    REQUEST FOR RELEASE OF
DOCUMENTS

    
      
        
          
             

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            	
                                                    
                                                      To:

                                                    

                                                  	 
      	
                                                    Wells
      Fargo Bank, N.A.

                                                  	 
      	
                                                    Date:  _______________

                                                  
	 
      	 
      	
                                                    
                                                      751
      Kasota Avenue

                                                    

                                                  	 
      	 
      
	 
      	 
      	
                                                    
                                                      Minneapolis,
      MN  55414

                                                    

                                                  	 
      	 
      
	 
      	 
      	
                                                    
                                                      Attn:  WFDC
      Release Department.

                                                    

                                                  	 
      	 
      


                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                   

                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        
                                                                          	
                                                                                  
                                                                                     

                                                                                  

                                                                                	 
      	
                                                                                  Re:

                                                                                	

                                                                                  Custodial
      Agreement, dated as of April 1, 2010, among Wells Fargo Bank, N.A., as
      Trustee, Wells Fargo Bank, N.A., as Custodian, Sequoia
      Residential Funding, Inc., as Depositor, and RWT Holdings, Inc., as
      Seller

                                                                                


                                                                        

                                                                      

                                                                    

                                                                     

                                                                  

                                                                

                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    In connection with the administration
of the Mortgage Loans held by you as Custodian for the Trustee pursuant to the
above-captioned Custodial Agreement, we request the release of the Custodian’s
Mortgage File for the Mortgage Loan described below, for the reason
indicated.

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  	
                                          Mortgage Loan Number:

                                        	 
      	 
      	
                                          Investor
      Number: 

                                        	 
      


                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          	
                                                  Mortgagor
      Name, Address & Zip Code:

                                                	
                                                    

                                                	
                                                  Pool
Number:

                                                


                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

    

    Reason for Requesting
Documents (check one):

    


    
      
        
          
            
              
                
                  
                    
                      
                        	 
      	
                                  1.
      Mortgage Paid in Full

                              	 
      	 
      	 
	 
      	 
      	 
      	 
      	 
	 
      	
                                  2.
      Foreclosure

                              	 
      	 
      	 
	 
      	 
      	 
      	 
      	 
	 
      	
                                  3.  Substitution

                              	 
      	 
      	 
	 
      	 
      	 
      	 
      	 
	 
      	
                                  4.
      Other Liquidation

                              	 
      	 
      	 
	 
      	 
      	 
      	 
      	 
	 
      	
                                  5.
      Non-liquidation

                              	 
      	
                                Reason:__________________

                              	 
	 
      	 
      	 
      	 
      	 
	 
      	 
      	 
      	
                                For
      CMI Use Only:_____________

                              	 


                      

                    

                  

                

              

            

          

        

      

    

    


    
      
        
          	
                  By: 

                	 
      
	 
      	
                  (Authorized
      Signature)

                


        

      

    

    


    
      
        
          	
                  Printed
      Name 

                	 
      


        

      

    

    


    
      
        
          	
                  Servicer
      Name: 

                	
                  CitiMortgage,
      Inc.

                


        

      

    

    


    
      
        
          
            
              	
                      Ship
      To Address: 

                    	
                      20
      Commerce Drive, M.S.
470

                    


            

          

        

      

    

    


    
      
        
          
            	 
      	
                      O'Fallon,
      MO  63366

                  


          

        

      

    

    


    
      
        
          
            	
                    Phone: 

                  	
                     
  636-240-4200

                  


          

        

      

    


    
      
         


      

      
        20

        
          

        

      

      
         


      

    


    Custodian

    


    Please acknowledge the
execution of the above request by your signature and date
below:

    


    
      
        
          
            
              
                	 
      	 
      	
                        Date

                      
	
                        Signature

                      	 
      	 
      
	 
      	 
      	 
      
	
                        Documents returned to
      Custodian:

                      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	
                        Date

                      
	
                        Custodian

                      	
                          

                      	 
      


              

            

          

        

      

    


    
      
         


      

      
        21

        
          

        

      

      
         


      

    


    EXHIBIT
P

    


    FORM OF NOTICE OF
SALE

    Notice
of Sale of Ownership of Mortgage Loan

    


    Under
federal law, borrowers are required to be notified in writing whenever ownership
of a mortgage loan secured by their principal dwelling is sold, transferred or
assigned (collectively, “sold”) to a new creditor.  This Notice is to
inform you that your prior creditor has sold your mortgage loan (see loan
information below) to the new creditor identified below.

    


    **NOTE:
The new creditor identified below is not the servicer of your
loan.  The servicer (identified below) acts on behalf of the new
creditor to handle the ongoing administration of your loan, including the
collection of mortgage payments.  Please continue to send your
mortgage payments as directed by the servicer, and NOT to the new
creditor.  Payments sent to the new
creditor instead of the servicer may result in late charges on your loan and
your account becoming past due.  Neither the new creditor nor the
servicer is responsible for late charges or other consequences of any
misdirected payment.

    


    SHOULD YOU HAVE ANY
QUESTIONS REGARDING YOUR LOAN, PLEASE CONTACT THE SERVICER USING THE CONTACT
INFORMATION SET FORTH BELOW.  The servicer is authorized to
handle routine inquiries and requests regarding your loan and, if necessary, to
inform the new creditor of your request and communicate to you any decision with
respect to such request. **

    


    Please
note that the sale of your loan to us may also result in a change of
servicer.  If this occurs, you will receive a separate notice,
required under federal law, providing information regarding the new
servicer.


    


    
      
        
          
            
              
                
                  	
                          LOAN
      INFORMATION

                        
	 
      
	
                          Date
      of Loan:

                        
	
                          Original
      Amount of Loan:

                        
	
                          Date
      Your Loan was Sold to the New Creditor:

                        
	
                          Prior
      Loan Number:

                        
	
                          Current
      Loan Number:

                        
	
                          Address
      of Mortgaged Property:

                        
	 
      
	
                          SERVICER
      INFORMATION

                        
	 
      
	
                          Name:

                        
	
                          Mailing
      Address:

                        
	
                          Telephone
      Number (Toll free):

                        
	
                          Website:

                        
	 
      
	
                          Scope of
      responsibilities: The servicer is responsible for all
      ongoing administration of your loan, including receipt and processing of
      payments, resolution of payment-related issues, and response to any other
      inquiries you may have regarding your loan.

                        
	 


                

              

            

          

        

      

    


    
      
         


      

      
        22

        
          

        

      

      
         


      

    


    


    
      
        
          
            
              
                
                  
                    
                      	
                              NEW
      CREDITOR INFORMATION

                            
	 
      	 
      	 
      
	
                              Please be advised that all questions involving the
      administration of your loan (including questions related to payments,
      deferrals, modifications or foreclosures) should be directed to the
      servicer at the number above and/or the agent (if any) of the new creditor
      identified below, and not to the new creditor.  The new creditor
      does not have access to information relating to the administration of your
      loan, and will not be able to answer most loan-related
      questions.

                            
	 
      	 
      	 
      
	
                              Name:

                            	 
      	
                              Sequoia
      Mortgage Trust 2010-H1

                            
	
                              Mailing
      Address (not
      for payments):

                            	 
      	
                              c/o
      Wells Fargo Bank, N.A., as trustee

                            
	 
      	 
      	
                              P.O.
      Box 98

                            
	 
      	 
      	
                              Columbia,
      Maryland 21046

                            
	
                              Telephone
      Number:

                            	 
      	
                              443-367-2897

                            
	 
      	 
      	 
      
	
                              Scope of
      responsibilities: As new creditor, the above-named trust
      holds legal title to your loan.  The trustee, on behalf of the
      new creditor, is authorized to receive legal notices and to exercise (or
      cause an agent on its behalf to exercise) certain rights of ownership with
      respect to your loan.
        

                            
	 


                    

                  

                

              

            

          

        

      

    

    


    The
transfer of the lien associated with your loan is, or in the future may be,
recorded in the public records of the local County Recorder’s office for the
county or local jurisdiction where your property is located.  If
checked  ̈,
ownership of your loan is also recorded on the registry of the Mortgage
Electronic Registrations System at 1818 Library Street, Suite 300, Reston, VA
20190.

    


    Our
rights and obligations as new creditor, and consequently our authority to
respond favorably to your requests or inquiries, may be limited by the terms of
one or more contracts related to the securitization of your
loan.


    
      
         


      

      
        23

        
          

        

      

      
         


      

    


    EXHIBIT
J

    LAYOUTS
FOR MONTHLY SERVICER REPORTS


    
      
         


      

      
        24

        
          

        

      

      
         


      

    

     

    

     

     

     

    Wells
Fargo Bank, N.A.

    Corporate
Trust Services

    


    


    Servicer
File Load Requirements

    for

    Investor
Reporting

    


    


    Effective
March 15, 2010

    
       

      
        

      

    

      

    © Copyright Wells Fargo Bank, Corporate Trust Services

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
        
          
            
              	
                      

                    	
                      Corporate
      Trust Services

                      Servicer
      File Load Requirements

                      For
      Investor Reporting

                    	
                      Wells
      Fargo Bank, NA

                      9062
      Old Annapolis Road

                      Columbia,
      MD 21045

                      (410)
      884-2000
(phone)

                    


            

          

        

      

    

    


    
      
        
          
            	
                    General
      Information

                  


          

        

      

       

    

    Whether
the Servicer is new or existing to Wells Fargo, the Servicer must comply with
Wells Fargo’s standards for Investor Reporting.  This package includes
all the information the Servicer needs to know in order to meet the reporting
requirements, including:

    


    
      	
               
      

            	
              I.

            	
              File
      Delivery Requirements

            


    

    
      	
               
      

            	
              II.

            	
              Loan
      Level File Reporting Requirements

            


    

    
      	
               
      

            	
              III.

            	
              Summary
      Data Reporting Requirements

            


    

    
      	
               
      

            	
              IV.

            	
              New
      Investor Requirements

            


    

    
      	
               
      

            	
              V.

            	
              Service
      Provider Requirements

            


    

    
      	
               
      

            	
              VI.

            	
              Monitoring
      File Status

            


    

    


    Timing

    Once the
Servicer begins monthly reporting, reporting must be done in a timely and consistent manner. Wells Fargo
recommends the Servicer take all necessary steps/actions to ensure that the
Servicer reports and electronic files are delivered successfully to Wells
Fargo’s Corporate Trust Services.  Servicer reports should be received
no later than the required report due date specified in the servicing agreement.
The Servicer shall deliver a complete and accurate file to the Master Servicer
on or before the reporting due date.  A report is considered late if
it is incomplete or not delivered by the Investor reporting due
date.

    


    Data
Integrity

    The
Servicer shall deliver an accurate, complete and valid file by the reporting due
date. The file format provided shall be consistent with the Investor Reporting
standard format and guidelines that are defined in this document, as well as
posted on the ServicerConnect website (www.ServicerConnect.com).

     

    Communication
of Reporting Changes

    If there
are any changes to the file requirements noted in the guidelines, Wells Fargo
will provide a 60-90 day advance notification on the ServicerConnect website,
prior to the effective date of the change.  The Servicer must make
every effort to comply with the standard format, the naming conventions, and
changes to the format that may be required.

     

    Note:

    These
reporting requirements are subject to change. For the Servicers’ convenience,
all current requirements are posted to the ServicerConnect website at www.ServicerConnect.com.

      

    
      
        

      

    

    Page 2 of 29

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

    


    
      
        
          
            	
                    I.  File
      Delivery
Requirements

                  


          

        

      

    

     

    ServicerConnect  —
the preferred method of delivery for secure transfer of monthly reporting
files

    To help
ensure the security of the data delivery, Wells Fargo offers the ServicerConnect  website
at www.ServicerConnect.com.
This site serves as Wells Fargo’s preferred method for file delivery for all
Servicers’ monthly reporting. The Servicer shall deliver monthly reports in
accordance with the Master Servicer’s preferred delivery method (currently via
the ServicerConnect website). Under no circumstances shall the Master Servicer
be responsible for obtaining the file from the Servicer’s website.

    


    ServicerConnect 
benefits

    
      	
               
      

            	
              ·

            	
              Provides
      24/7, round-the-clock access

            


    

    
      	
               
      

            	
              ·

            	
              Available
      free of charge

            


    

    
      	
               
      

            	
              ·

            	
              Allows
      for manual entry of loan level data, as well as uploading of loan level
      files/reports, summary and supplemental
files

            


    

    
      	
               
      

            	
              ·

            	
              Ensures
      a secure transfer of data using the industry standard’s Secure Socket
      Layer, 128-bit encryption. ServicerConnect
      satisfies the Privacy Act requirements for maintaining confidentiality of
      data.

            


    

    
      	
               
      

            	
              ·

            	
              Offers
      online help in navigating the site and using its various
      functions

            


    

    


    Initial
one-time ServicerConnect registration

    To
establish access and gain entry to a new Servicer library on ServicerConnect,
the Servicer must complete the following one-time registration on the
website:

    
      	
               
      

            	
              ·

            	
              Have
      all users from the Servicer Company who will be uploading and/or
      downloading files register on www.ServicerConnect.com by creating a User Id,
      Password, and Profile.

            


    

    
      	
               
      

            	
              ·

            	
              The
      Servicer will be notified via e-mail once
  approved.

            


    

    


    ServicerConnect
support

    
      	
               
      

            	
              ·

            	
              If
      the Servicer requires technical assistance with the performance of the
      site, or has password issues, please contact CTSLink customer service at
      ctslink.customerservice@wellsfargo.com.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Servicer requires help using the site’s many functions, please refer
      to the “Help” page on the ServicerConnect webpage
      or contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Servicer is experiencing problems with loan data, please contact the
      appropriate Wells Fargo representative listed in the "Contact Us" page of
      the ServicerConnect webpage.

            


    

    


    PERL
Scripting

    
      	
               
      

            	
              ·

            	
              If
      there is an interest in an automated way to deliver files, a sample Perl
      script is available for the Servicer’s review and
      usage.  Customers may evaluate the script for usage and assume
      any risk associated with their decision to use it.  It is the
      customer’s responsibility to modify and test the script to ensure its
      effective use as well as the verification of complete and timely
      transmission.

            


    

    
      	
               
      

            	
              ·

            	
              Request
      for a copy of the sample Perl script should be made to CTSLink customer
      service via email at ctslink.customerservice@wellsfargo.com.  Please
      include “Request for
      Example Perl Script” in the subject line of the
      email.  The email should identify “ServicerConnect” as the
      system the Servicer wishes to script and also include a contact name,
      phone number, individual email address and the ServicerConnect User
      ID.

            


    

    
      
          

        
          
            

          

        

        Page 3 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            
              	
                      

                    	
                      Corporate
      Trust Services

                      Servicer
      File Load Requirements

                      For
      Investor Reporting

                    	
                      Wells
      Fargo Bank, NA

                      9062
      Old Annapolis Road

                      Columbia,
      MD 21045

                      (410)
      884-2000
(phone)

                    


            

          

        

      

    

    


    
      
        
          
            	
                    II.  Loan
      Level File Reporting
Requirements

                  


          

        

      

    

    


    Loan
level file reports delivered to Wells Fargo MUST meet the following requirements
in order to ensure Servicer files load successfully through automated load
processing:

    


    
      	
               
      

            	
              1.

            	
              The
      file must have a standardized File Name (Refer to Section
    A)

            


    

    
      	
               
      

            	
              ·

            	
              Either
      use the Wells Fargo standard or a static name (it must remain consistent
      each month)

            


    

    
      	
               
      

            	
              2.

            	
              The
      file must be a CSV or XLS file

            


    

    
      	
               
      

            	
              3.

            	
              The
      file must comply with Wells Fargo standard requirements (Refer to Section
      C):

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook

            


    

    


    
      
        
          
            	
                    A.
      Standard File Naming Convention
Requirements

                  


          

        

      

    

    


    Wells
Fargo requires a static Servicer file name that does not include special
characters and cannot be greater than 30 characters. Delivering a consistent
static file name from month to month will ensure the Servicer file will be
recognized.

    


    It may
help to separate the Servicer loan level file from other
reports.  Once the Servicer establishes the static file name, Wells
Fargo will create a cross reference of the Servicer file name with an internal
Wells Fargo file name.

    


    If the
Servicer file name delivered is not recognized to match the static file name
established by the Servicer, the Servicer file will not automatically load
through the Wells Fargo System.  The time required to process the
Servicer file may also increase.

    


    If at any
time a Servicer file name needs to be created or the file naming convention
needs to be changed, please contact ServicerConnect customer support at ServicerConnect@wellsfargo.com
- as it is critical to the recognition of the file.

    


    
      
        
          
            	
                    B.
      Standard File Format
Requirements

                  


          

        

      

    

    


    The
Servicer may choose to send the Servicer file in either one of the following two
formats:

    


    
      	
               
      

            	
              1.

            	
              Comma
      Separated Values (CSV)

            


    

    
      	
               
      

            	
              2.

            	
              Excel
      (XLS). Note: Excel 2007 format (XLSX) is currently not
      supported.

            


    

    
      
          

        
          
            

          

        

        Page 4 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

    


    
      
        
          	
                  C.
      Standard File Layout
Requirements

                


        

      

    

     

    Standard
File Layout Requirements must adhere to the following:

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook.

            


    

     

    Please
ensure that the standard loan level file layout requirements are met each month.
Refer to Exhibit 1 for the Standard Loan Level File Layout.

     

    If the
Servicer is new to Wells Fargo Bank, N.A., Wells Fargo highly recommends the
Servicer submit a test file layout before delivering files to ensure compliance
with the requirements. To submit a test file or request an Excel template,
contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    
      
        
          	
                  D.  Supplemental
      File Requirements

                


        

      

    

     

    Supplemental
File Types:

     

    If the
original file is incomplete or inaccurate then the Servicer may deliver a
supplemental file. Notification is required when submitting a supplemental file
to ensure the files get loaded successfully. A list of Wells Fargo
representatives  is located in the "Contact Us" page of the
ServicerConnect webpage.

     

    
      	
               
      

            	
              1.

            	
              Revised Original
      File

            


    

    A revised
file is a file where the file format is the same as the original file format but
data has been added or changed from the original file. The revised original file
name however, should also be the same as the original file
name.  Refer to Exhibit 1 for the Standard Loan Level File
Layout.

     

    
      	
               
      

            	
              2.

            	
              Prepayment Period
      Reporting

            


    

    If
required to report prepayment period activity, a mid-month prepayment period
file is required in addition to a month-end file.  The mid-month file
should only include the additional payment activity that was not originally
included in the month end report.  This mid-month file should only
include the loans with partial
prepayments, full prepayments, or both as defined within the Servicer deal
documents.  If there is no activity to report, the Servicer
will be required to submit a mid-month file with no activity.  All
fields must be in the exact order as defined in Exhibit 3.

     

    
      	
               
      

            	
              3.

            	
              Regulation AB (REG
      AB)

            


    

    Regulation
AB (REG AB) is a directive that was published by the Securities & Exchange
Commission (SEC) on December 22, 2004. The regulation is intended to enhance the
detail and quality of information provided to investors of publicly traded
asset-backed securities. Reg AB mandates that additional data elements, as
applicable, be provided by Servicers in their standard monthly reports. The
regulation can be found at http://www.sec.gov/rules/final/33-8518.htm.

      

    
      
        

      

    

    Page 5 of 29

    
       

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

    


    To comply
with REG AB, Wells Fargo offers the Servicer two options for providing
additional data elements:

    
      	
               
      

            	
              1.

            	
              Include
      new data in the existing Standard Loan Level File Layout. (Exhibit
      1)

            


    

    
      	
               
      

            	
              2.

            	
              Include
      new data in a supplemental file provided with the Servicer Monthly Report
      File. (Exhibit
      4)

            


    

    


    No matter
which option the Servicer selects, all data must be submitted at the same
time.

     

    
      	
               
      

            	
              4.

            	
              Modification
      File

            


    

    Modifications
are considered a change to the initial terms of a loan from what was originally
established at closing.  Modifications are used as a form of loss
mitigation by the Servicer to cure the delinquency of a borrower.

     

    Wells
Fargo offers the Servicer two options for providing modification
elements:

    
      	
               
      

            	
              1.

            	
              Include
      modification data in the existing Standard Loan Level File Layout (Exhibit
      1)

            


    

    
      	
               
      

            	
              2.

            	
              Include
      modification data in a supplemental file (Exhibit
  5).

            


    

    
       

      
        
          	
                  E.
      Transfer of Servicing
Requirements

                


        

      

    

    


    If the
Servicer is considering a transfer of servicing requirements, please contact
Wells Fargo’s Mortgage Backed Servicer Oversight Team via e-mail at SCTServicerComplianceTeam@wellsfargo.com. The Servicer must let us
know at least 30 days prior to the transfer date in order for the Servicer Wells
Fargo representative to assist the Servicer with this process.

     

    Keep in
mind that a complete transfer/merger or acquisition may include the following
changes or
requirements:
          

      

    
      	
               
      

            	
              ·        
      A reassigned file name for reporting
purposes

            


    

    
      	
               
      

            	
              ·        
      A change in the Servicer method of
reporting

            


    

    
      	
               
      

            	
              ·        
      A new ServicerConnect Library

            


    

    
      	
               
      

            	
              ·        
      A complete Servicer
      Eligibility Process (Only for New Servicers reporting to Wells
      Fargo)

            


    

     

    Transfer
Roles

    The “TO” Servicer is the Servicer
receiving the loans.

    The “FROM” Servicer is the
Servicer who is transferring the loans.

    
      
          

        
          
            

          

        

        Page 6 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Investor Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      MD 21045

                  (410)
      884-2000 (phone)

                


        

      

    

    


    
      
        
          	
                  III.
      Summary Data Reporting
Requirements

                


        

      

    

    


    In
addition to a monthly loan level file, the Servicer is required to provide Wells
Fargo Bank with a separate
monthly Summary Report representing the total balances of the Loan Level
detail on or before the reporting due date. This report should include all the
summary totals for each investor listed on the loan level file. The summary page must match the loan
level file that is being reported.

    


    Note: If the Servicer uses a Service
Provider, the provider may also supply a Summary Report for delivery to Wells
Fargo.  For example, if the Servicer uses the Fidelity Service for the
Loan Level etail, please use the Fidelity Summary Report #62C and submit it to
Wells Fargo Bank via the ServicerConnect website.

    


    
      
        
          	
                  A.
      Summary File Format
Requirements

                


        

      

    

    


    As long
as the Servicer provides all the summary data required by Wells Fargo, the
Servicer may choose to send us the Servicer Summary Data file, separate of the
loan level file, in any one of the preferred four formats:

    
      	
               
      

            	
              ·

            	
              Excel

            


    

    
      	
               
      

            	
              ·

            	
              Text

            


    

    
      	
               
      

            	
              ·

            	
              Word

            


    

    
      	
               
      

            	
              ·

            	
              PDF

            


    

    


    
      
        
          	
                  B.
      Summary File Layout
Requirements

                


        

      

    

    


    The
Servicer has the option to provide summary data in one of the following two
ways:

    
      	
               
      

            	
              1.

            	
              Separate
      Summary Reports for each individual investor  (i.e., 20
      Investors, 20 reports); or

            


    

    
      	
               
      

            	
              2.

            	
              One
      report with summary totals for All Investors; with one Investor on each
      row (i.e., 20 Investors, one
report).

            


    

     

    This
package includes a sample Monthly Summary Report by Single Investor (Refer to
Exhibit 2).

    Upon
request, Wells Fargo can provide a sample file layout by all Investors in an
Excel spreadsheet format.

    


    
      
        
          	
                  C.
      REG AB
      Requirements

                


        

      

    

    


    Refer to
Exhibit 2, section 3 for a sample REG AB Summary Report.

    


    
      
        
          	
                  D.
      Summary File Naming Convention
Requirements

                


        

      

    

    


    Wells
Fargo requires that, once the Servicer’s file name is established, the same name
should be used consistently from one month to another, to be easily
recognized.

      

    
      
        

      

    

    Page 7 of 29

    
        

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Investor Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      MD 21045

                  (410)
      884-2000 (phone)

                


        

      

    

     

    
      
        	
                IV.
      New Investor Requirements

              


      

       

      As the
Servicer introduces new Investor numbers to the Wells Fargo reporting portfolio,
the Servicer will need to decide if it is best to add the new Investor numbers
to the existing file or create a new
file.  In either case, the Servicer will need to contact the
appropriate Wells Fargo representative to make sure that our records are updated
with the newly-created file and that the files successfully load through our
system.

    

    


    Minimum
Criteria for adding new Investor numbers to existing files

    Whenever
possible, reporting of new Investor numbers and loans should be added to the
Servicer’s existing file(s), as long as it meets the following minimum
criteria:

     

    
      	
               
      

            	
              ·

            	
              All
      reporting due dates in the file may include a range of dates (i.e., 1-15
      or 16-30) that will be submitted by the earliest reporting due
      date on the file. (Multiple files may be necessary if the Servicer cannot
      deliver all Investor numbers by the earliest reporting due
      date on the file.)

            


    

     

    
      	
               
      

            	
              ·

            	
              All
      product types must be the same within each file (i.e., Act/Act,
      Sched/Sched, Sched/Act). Multiple files are required if you are sending
      more than one product type.

            


    

     

    
      	
               
      

            	
              ·

            	
              Each
      file must represent only Master Servicing contracts or Trustee contracts,
      but not both in one file.

            


    

     

    
      	
               
      

            	
              ·

            	
              The
      Servicer must consider Servicer location and/or other Servicer
      limitations.

            


    

    


    Creating
new files for new Investor numbers

    Although
adding new Investor numbers to existing files is preferred, there may be times
when it is more appropriate to submit a separate file for the new Investor. For
example:

     

    
      	
               
      

            	
              ·

            	
              If
      all of the minimum criteria above cannot be accommodated for the new
      Investor within an existing file, then the creation of a new file will be
      necessary for ongoing monthly
reporting.

            


    

    


    
      	
               
      

            	
              ·

            	
              If
      the timing of the notification of the new Investor number does not allow
      to review the minimum criteria stated above, or takes place prior to the
      first month of reporting, then it may be necessary to submit a separate
      file. In the second month of reporting, a detailed review of the minimum
      criteria should take place with the Servicer’s Wells Fargo representative
      to determine whether to continue reporting a separate file or add the new
      Investor number to an existing
file.

            


    

    


    Note: It is critical that the
Servicer contact the appropriate Wells Fargo representative to ensure the
Servicer file is set up properly for it to be received and loaded
successfully.

    
      
          

        
          
            

          

        

        Page 8 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

     

    
      
        	
                V.
      Service Provider Requirements

              


      

       

      Wells Fargo may accept the Servicer
Master Servicing (Investor Reporting) files from a Service Provider. However,
the Servicer should contact the appropriate Wells Fargo representative to
confirm this arrangement.

    

    


    When entering into a contract with a
Service Provider, the Servicer may want to consider including terms
regarding the need to be reasonably flexible on any future changes to the layout
(such as reasonable turnaround times for making changes and who will bear the
cost of those changes).   

    


    When
using a Service Provider to create the monthly file(s), the Servicer must
determine who will deliver the file(s) to Wells Fargo.

    
      	
               
      

            	
              ·

            	
              If
      the Servicer plans to deliver the file, follow the ServicerConnect
      instructions as outlined in this
package.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Service Provider plans to deliver the file, contact ServicerConnect
      customer support at ServicerConnect@wellsfargo.com
      to establish a delivery method.

            


    

    
      	
               
      

            	
              ·

            	
              If
      no adjustments are necessary, a duplicate file is not needed in any other
      format or delivery method. However, if an adjustment to the original file
      is needed, the Servicer will be responsible for delivering the adjusted
      file to Wells Fargo Bank via the ServicerConnect
  website.

            


    

    


    While the
requirements set forth in this package are Wells Fargo’s preference for
reporting, Wells Fargo may consider other reporting layouts and summary report
formats from Service Providers. Upon request, there may be times when Wells
Fargo can accept an automatic delivery.  To discuss these options
contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    Note: If the Servicer uses a Service
Provider, the provider may also supply a Summary Report to the organization
which may then be delivered via the ServicerConnect website.  For
example, if the Servicer uses the Fidelity Service for the Servicer Loan Level
Detail report, use the Fidelity Summary Report #62C and submit it to Wells Fargo
Bank via the ServicerConnect website.

      

    
      
        

      

    

    Page 9 of 29

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

    


    
      
        
          	
                  VI.
      Monitoring File Status

                


        

      

    

    


    File
Monitoring Requirements:

    Once loan
level files have been uploaded to ServicerConnect the Servicer is able to manage
and track the status of individual files that have been uploaded to the
website.  The files are displayed on the File Status listing screen on
www.ServicerConnect.com.  For
additional assistance, please refer to the ServicerConnect User Manual
accessible from the "Help" page of the ServicerConnect website.

    


    A loan
level file is successfully uploaded through automated processing when the loan
level file receives an “Auto Transmission Complete” status.  If the
Servicer is presented with a different status, such as “File Uploaded”, the
Servicer should contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    File
Status List:

    


    Auto
Transmission Complete:  For loan level files only,
ServicerConnect recognizes the Servicer’s File Name. The loan level file was
pushed through the automated load process.

    


    File
Uploaded:  The file was uploaded to the library but was not
moved to load processing.  For any monthly file whose filename is not
associated with this user’s approved Servicer numbers, the file will be stored
but not automatically uploaded.  The library holds the file for 25
days, 20 days for larger libraries.  Please refer to Section II for
Loan Level File Reporting Requirements.

    


    Note:  Other
statuses may be presented intermittently prior to receiving an “Auto
Transmission Complete" or "File Uploaded" Status.

     

    Upon
request, Wells Fargo can provide a monthly report of files uploaded to a
library. This report is provided at the end of the month, and includes at the
minimum: uploader's name, file name, upload time and file status. To request
this report, contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    
      
          

        
          
            

          

        

        Page 10 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

    

    


    Exhibit
1: Standard Loan Level File Layout

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	 	
                                                      Column Name

                                                    	 	
                                                      Description

                                                    	 	
                                                      Decimal

                                                    	 	
                                                      Format
    Comment

                                                    	 	
                                                      Max
Size

                                                    
	 	
                                                      Each
      file requires the following fields:

                                                    	 	 
      	 	 
      	 	 
      
	 	
                                                      SER_INVESTOR_NBR

                                                    	 	
                                                      A
      value assigned by the Servicer to define a group of loans.

                                                    	 	 
      	 	
                                                      Text up to 20
      digits

                                                    	 	
                                                      20

                                                    
	 	
                                                      LOAN_NBR

                                                    	 	
                                                      A
      unique identifier assigned to each loan by the investor.

                                                    	 	 
      	 	
                                                      Text
      up to 10 digits

                                                    	 	
                                                      10

                                                    
	 	
                                                      SERVICER_LOAN_NBR

                                                    	 	
                                                      A
      unique number assigned to a loan by the Servicer.  This may be
      different than the LOAN_NBR.

                                                    	 	 
      	 	
                                                      Text
      up to 10 digits

                                                    	 	
                                                      10

                                                    
	 	
                                                      SCHED_PAY_AMT

                                                    	 	
                                                      Scheduled
      monthly principal and scheduled interest payment that a borrower is
      expected to pay, P&I constant.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      NOTE_INT_RATE

                                                    	 	
                                                      The
      loan interest rate as reported by the Servicer.

                                                    	 	
                                                      4

                                                    	 	
                                                      Max
      length of 6

                                                    	 	
                                                      6

                                                    
	 	
                                                      NET_INT_RATE

                                                    	 	
                                                      The
      loan gross interest rate less the service fee rate as reported by the
      Servicer.

                                                    	 	
                                                      4

                                                    	 	
                                                      Max
      length of 6

                                                    	 	
                                                      6

                                                    
	 	
                                                      SERV_FEE_RATE

                                                    	 	
                                                      The
      Servicer's fee rate for a loan as reported by the
Servicer.

                                                    	 	
                                                      4

                                                    	 	
                                                      Max
      length of 6

                                                    	 	
                                                      6

                                                    
	 	
                                                      SERV_FEE_AMT

                                                    	 	
                                                      The
      Servicer's fee amount for a loan as reported by the
    Servicer.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      ACTL_BEG_PRIN_BAL

                                                    	 	
                                                      The
      borrower's actual principal balance at the beginning of the processing
      cycle.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      ACTL_END_PRIN_BAL

                                                    	 	
                                                      The
      borrower's actual principal balance at the end of the processing
      cycle.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      BORR_NEXT_PAY_DUE_DATE

                                                    	 	
                                                      The
      date at the end of processing cycle that the borrower's next payment is
      due to the Servicer, as reported by Servicer.

                                                    	 	 
      	 	
                                                      MM/DD/YYYY

                                                    	 	
                                                      10

                                                    
	 	
                                                      SERV_CURT_AMT_1

                                                    	 	
                                                      The
      first curtailment amount to be applied.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      SERV_CURT_DATE_1

                                                    	 	
                                                      The
      curtailment date associated with the first curtailment
    amount.

                                                    	 	 
      	 	
                                                      MM/DD/YYYY

                                                    	 	
                                                      10

                                                    
	 	
                                                      CURT_ADJ_AMT_1

                                                    	 	
                                                      The
      curtailment interest on the first curtailment amount, if
      applicable.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      
                                                        SERV_CURT_AMT_2 

                                                      

                                                    	 	
                                                      The
      second curtailment amount to be applied. 

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($) 

                                                    	 	
                                                      11

                                                    
	 	
                                                      SERV_CURT_DATE_2 

                                                    	 	
                                                      The
      curtailment date associated with the second curtailment
      amount.

                                                    	 	
                                                       

                                                    	 	
                                                      
                                                        MM/DD/YYYY

                                                      

                                                    	 	
                                                      10

                                                    
	 	
                                                      CURT_ADJ_AMT_2 

                                                    	 	
                                                      The
      curtailment interest on the second curtailment amount, if
      applicable.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      SERV_CURT_AMT_3 

                                                    	 	
                                                      The
      third curtailment amount to be applied. 

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    


                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
      
          

        
          
            

          

        

        Page 11 of 29

         

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    
       

      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        For
      Investor Reporting

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    	 	
                                                            Column Name

                                                          	 	
                                                            Description

                                                          	 	
                                                            Decimal

                                                          	 	
                                                            Format Comment

                                                          	 	
                                                            Max

                                                            Size

                                                          
	 	
                                                            SERV_CURT_DATE_3

                                                          	 	
                                                            The
      curtailment date associated with the third curtailment
    amount.

                                                          	 	 
      	 	
                                                            MM/DD/YYYY

                                                          	 	
                                                            10

                                                          
	 	
                                                            CURT_ADJ_AMT_3

                                                          	 	
                                                            The
      curtailment interest on the third curtailment amount, if
      applicable.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            PIF_AMT

                                                          	 	
                                                            The
      loan "paid in full" amount as reported by the Servicer.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            PIF_DATE

                                                          	 	
                                                            The
      paid in full date as reported by the Servicer.

                                                          	 	 
      	 	
                                                            MM/DD/YYYY

                                                          	 	
                                                            10

                                                          
	 	
                                                            ACTION_CODE

                                                          	 	
                                                            The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan. This is a required field.

                                                          	 	 
      	 	
                                                            Refer
      to Exhibit 6 for valid codes.  Field cannot be
    null.

                                                          	 	
                                                            2

                                                          
	 	
                                                            Plus
      the following applicable fields:

                                                          	 	 
      	 	 
      	 	 
      
	 	
                                                            SCHED_BEG_PRIN_BAL

                                                          	 	
                                                            The
      scheduled outstanding principal amount due at the beginning of the cycle
      date to be passed through to investors.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            SCHED_END_PRIN_BAL

                                                          	 	
                                                            The
      scheduled principal balance due to investors at the end of a processing
      cycle.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            SCHED_PRIN_AMT

                                                          	 	
                                                            The
      scheduled principal amount as reported by the Servicer for the current
      cycle — only applicable for Scheduled/Scheduled Loans.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            SCHED_NET_INT

                                                          	 	
                                                            The
      scheduled gross interest amount less the service fee amount for the
      current cycle as reported by the Servicer — only applicable for
      Scheduled/Scheduled Loans.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            ACTL_PRIN_AMT

                                                          	 	
                                                            The
      actual principal amount collected by the Servicer for the current
      reporting cycle — only applicable for Actual/Actual Loans.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            ACTL_NET_INT

                                                          	 	
                                                            The
      actual gross interest amount less the service fee amount for the current
      reporting cycle as reported by the Servicer — only applicable for
      Actual/Actual Loans.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            PREPAY_PENALTY_AMT

                                                          	 	
                                                            The
      penalty amount received when a borrower prepays on his loan as reported by
      the Servicer.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            PREPAY_PENALTY_WAIVED

                                                          	 	
                                                            The
      prepayment penalty amount for the loan waived by the
    Servicer.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            NEW_PAY_AMT

                                                          	 	
                                                            The
      new loan payment amount as reported by the Servicer.

                                                          	 	
                                                            2

                                                          	 	
                                                            No
      commas(,) or dollar signs ($)

                                                          	 	
                                                            11

                                                          
	 	
                                                            NEW_LOAN_RATE

                                                          	 	
                                                            The
      new loan rate as reported by the Servicer.

                                                          	 	
                                                            4

                                                          	 	
                                                            Max
      length of 6

                                                          	 	
                                                            6

                                                          


                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          

        

      

      Page
12 of 29

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	 	
                                              Max

                                              Size

                                            
	 	
                                              ARM_INDEX_RATE

                                            	 	
                                              The
      index the Servicer is using to calculate a forecasted
rate.

                                            	 	
                                              4

                                            	 	
                                              Max
      length of 6

                                            	 	
                                              6

                                            
	 	
                                              INT_ADJ_AMT

                                            	 	
                                              The
      amount of the interest adjustment as reported by the
    Servicer.

                                            	 	
                                              2

                                            	 	
                                              No
      commas(,) or dollar signs ($)

                                            	 	
                                              11

                                            
	 	
                                              SOLDIER_SAILOR_ADJ_AMT

                                            	 	
                                              The
      Soldier and Sailor Adjustment amount, if applicable.

                                            	 	
                                              2

                                            	 	
                                              No
      commas(,) or dollar signs ($)

                                            	 	
                                              11

                                            
	 	
                                              NON_ADV_LOAN_AMT

                                            	 	
                                              The
      Non Recoverable Loan Amount, if applicable.

                                            	 	
                                              2

                                            	 	
                                              No
      commas(,) or dollar signs ($)

                                            	 	
                                              11

                                            
	 	
                                              LOAN_LOSS_AMT

                                            	 	
                                              The
      amount the Servicer is passing as a loss, if applicable.

                                            	 	
                                              2

                                            	 	
                                              No
      commas(,) or dollar signs ($)

                                            	 	
                                              11

                                            
	 	
                                              DELINQ_P&I_ADVANCE_AMT

                                            	 	
                                              The
      current outstanding principal and interest advances made by
      Servicer.

                                            	 	
                                              2

                                            	 	
                                              No
      commas(,) or dollar signs ($)

                                            	 	
                                              11

                                            
	 	
                                              BREACH_FLAG

                                            	 	
                                              Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                                            	 	 
      	 	
                                              Y=Breach

                                              N=NO
      Breach

                                              Let
      blank if N/A

                                            	 	
                                              1

                                            
	 	
                                              Plus
      the following applicable modification fields:

                                            	 	 
      	 	 
      	 	 
      
	 	
                                              MOD_DATE

                                            	 	
                                              The
      first loan payment date on which the modified loan terms become
      effective.  This field is required if any of the below fields
      are populated with a value.

                                            	 	 
      	 	
                                              Any
      valid date greater than loan origination date. (MM/DD/YYYY). If the loan
      is not modified this field should be blank.

                                            	 	
                                              10

                                            
	 	
                                              CAPITALIZED_AMOUNT

                                            	 	
                                              The
      amount added to actual outstanding principal balance owed by the borrower
      due to a modification.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              TOTAL_SERVICING_ADVANCES

                                            	 	
                                              The
      total amount advanced by the Servicer for the loan modification, which can
      be comprised of Attorney Fees, Appraisal Fees, Inspection Fees, and other
      items as defined in the governing documents.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              SERVICING_FEE_ADVANCES

                                            	 	
                                              The
      total amount of servicing fees for delinquent payments that has been
      advanced by the Servicer for the loan modification.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              ESCROW_ADVANCES

                                            	 	
                                              The
      total amount of escrow advances made by the Servicer on the loan
      modification, which can include insurance, taxes, mortgage insurance, and
      other items as defined in the governing documents.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              INTEREST_ADVANCES

                                            	 	
                                              The
      total amount of Net interest
      that has been advanced by the Servicerfor the loan’s modification
      delinquent payments

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If Interest Advances exist the loan must
      have either Capitalized Amount or Interest Forgiveness Amount associated
      with it.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              MODIFIED_BEGINNING_BALANCE

                                            	 	
                                              The
      beginning principal balance that is owed by the borrower as of the
      Modification Effective Date per the modification
agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page
13 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	 	
                                              Max

                                              Size

                                            
	 	
                                              MODIFIED_INTEREST_RATE

                                            	 	
                                              The
      gross interest rate for the loan beginning on the Modification Effective
      Date per the modification agreement.

                                            	 	
                                              4

                                            	 	
                                              Must
      be a positive number.  Max length of 6. If not applicable this
      field should be blank.

                                            	 	
                                              6

                                            
	 	
                                              MODIFIED_P&I_AMOUNT

                                            	 	
                                              The
      total principal and interest payment due for the loan beginning on the
      Modification Effective Date per the modification
agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              MODIFIED_BALLOON_AMOUNT

                                            	 	
                                              The
      balloon payment amount on the loan per the modification
      agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If Modified Balloon is populated then
      Modified Balloon Amount cannot be null.

                                            	 	
                                              11

                                            
	 	
                                              MODIFIED_BALLOON_DATE

                                            	 	
                                              The
      date on which the balloon payment is due per the modification
      agreement.  The value in this field could be populated if a
      balloon payment is being created or changed through the modification of
      the loan.

                                            	 	 
      	 	
                                              Any
      valid date (MM/DD/YYYY) – Note: Cannot be beyond the final maturity
      date of loan.  If Modified Balloon Amount has a value, Modified
      Balloon Date must have a value.  If not applicable this field
      should be blank.

                                            	 	
                                              10

                                            
	 	
                                              MODIFIED_MATURITY_DATE

                                            	 	
                                              The
      maturity date of the loan per the modification agreement.

                                            	 	 
      	 	
                                              Any
      valid date (MM/DD/YYYY) – If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            
	 	
                                              PRINCIPAL_FORGIVENESS

                                            	 	
                                              The
      total amount of principal due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              INTEREST_FORGIVENESS

                                            	 	
                                              The
      total amount of interest due that have been waived or forgiven by the
      Servicer per modification agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not this field should be
      blank

                                            	 	
                                              11

                                            
	 	
                                              EXPENSE_FORGIVENESS

                                            	 	
                                              The
      total amount of expenses due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.  If not this field should be
      blank

                                            	 	
                                              11

                                            
	 	
                                              ARM_TO_FIXED_CONVERSION

                                            	 	
                                              Indicates
      if the loan is an adjustable rate mortgage (ARM) loan that has been
      converted to a fixed rate loan per the modification agreement; not through
      existing provisions of the original ARM parameters.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              FIXED_TO_ARM_CONVERSION

                                            	 	
                                              Indicates
      if the loan is a fixed rate loan that has been converted to an adjustable
      rate mortgage (ARM) loan per the modification agreement.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              IO_TO_FULLY_AMORTIZED_
CONVERSION

                                            	 	
                                              Indicates
      if the loan payments were comprised of interest only and have been
      converted to fully amortizing loan payments per the modification
      agreement.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              FULLY_AMORTIZED_TO_IO_
CONVERSION

                                            	 	
                                              Indicates
      if the loan payments were fully amortizing and have been converted to
      interest only payments.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              TEMPORARY_MODIFICATION

                                            	 	
                                              Indicates
      if the modified loan terms are in effect only for a specified time period,
      after which the original loan terms are reinstated.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page
14 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	 	
                                              Max

                                              Size

                                            
	 	
                                              GRADUATED_RATE_OR_

                                              PAYMENT_MODIFICATION

                                            	 	
                                              Indicates
      if the modified terms consist of graduated rates and/or payments for a
      loan, or if the loan’s previously existing graduated rate and/or payment
      schedule is being changed per the modification agreement.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              MODIFIED_NEXT_PAYMENT_

                                              ADJUST_DATE

                                            	 	
                                              The
      date on which the next payment adjustment is scheduled to occur for an
      adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            
	 	
                                              MODIFIED_NEXT_INTEREST_

                                              RATE_ADJUST_DATE

                                            	 	
                                              The
      date on which the next interest rate adjustment is scheduled to occur for
      an adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            
	 	
                                              MODIFIED_ARM_PARAMETER

                                            	 	
                                              Indicates
      if the loan’s existing ARM parameters are changing (and it is remaining an
      ARM loan) per the modification agreement.

                                            	 	 
      	 	
                                              Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null Value) it
      will be treated as “N”.

                                            	 	
                                              1

                                            
	 	
                                              BORROWER_SEGMENTATION_
CODE

                                            	 	
                                              Indicates
      which segment a subprime ARM loan is classified under, based on the
      American Securitization Forum's Streamlined Foreclosure and Loss Avoidance
      Framework for Securitized Subprime Adjustable Rate Mortgage
      Loans.  At this time, Servicers only need to report loans that
      are classified as “Segment 2”, which includes current loans where the
      borrower is unlikely to be able to refinance into any readily available
      mortgage industry product.

                                            	 	 
      	 	
                                              Must
      be populated with a 2 if the loan falls under the ASF streamlined
      foreclosure and loss avoidance framework for Modifications, otherwise the
      value should be blank.  If Borrower Segmentation Code of “2” is
      reported, the population of “Modified Next Payment Adjustment Date” and
      Modified Next Interest Rate Adjust Date is required.

                                            	 	
                                              1

                                            
	 	
                                              APPROVAL_FROM_OUTSIDE_
PARTY

                                            	 	
                                              If
      the governing documents require another party’s approval to allow
      additional modifications after the Modification Limit (as defined in the
      governing documents) has been exceeded.

                                            	 	 
      	 	
                                              Y/N
      Blank:

                                               Yes
      indicates that the required party’s approval of the modification has been
      obtained by the Servicer.  No indicates that the approval has
      not be obtained.  Blank indicates this field is not
      applicable.

                                            	 	
                                              1

                                            
	 	
                                              NON-INTEREST_BEARING_
PRINCIPAL_DEFERRED_AMOUNT

                                            	 	
                                              The
      total amount of principal deferred by the modification. Deferred amounts
      are not subject to interest bearing accrual.  This field is
      preferred to be reported as part of the monthly remittance file, but must
      be reported in this supplemental file if not reported on the monthly
      remittance file.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              NON-INT_BEARING_DEFERRED_

                                              INT_AND_FEES_AMT

                                            	 	
                                              The
      total amount of interest and expenses deferred by the modification that
      are not subject to interest accrual. Deferred amounts are not subject to
      interest accrual. This field is preferred to be reported as part of the
      monthly remittance file, but must be reported in this supplemental file if
      not reported on the monthly remittance file.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page
15 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	 	
                                              Max
      
Size

                                            
	 	
                                              NON-
INTEREST_BEARING_DEFERRED_

                                              PAID_IN_FULL_AMOUNT

                                            	 	
                                              This
      value is to be reported when any principal forbearance loan modification
      either liquidates or is paid in full. This separate field is needed
      because most Servicers separately track the principal forbearance amount
      and thus the existing paid in full amount field will not work since it
      will incur interest on most Servicing systems and will only include the
      amount that is required to pay off the amortization
    balance.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              ACTUAL_ENDING_BALANCE_

                                              TOTAL_DEBT_OWED

                                            	 	
                                              Formerly
      the field named “Actual Ending Balance Including Deferred
      Amount”.  For a loan with principal forbearance, the value in
      this field will be the sum of the actual ending balance field already
      supplied on the file plus the deferred amount.  For all other
      loans, it is their actual ending balance.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.

                                            	 	
                                              11

                                            
	 	
                                              SCHEDULED_ENDING_

                                              BALANCE_TOTAL_DEBT_OWED

                                            	 	
                                              Formerly
      the field named “Scheduled Ending Balance Including Deferred
      Amount”.   For a loan with principal forbearance, the value
      in this field will be the sum of the scheduled ending balance field
      already supplied on the file plus the deferred amount. For all other
      loans, it is their scheduled ending balance.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number.

                                            	 	
                                              11

                                            
	 	
                                              Plus
      the following applicable GRM/GPM modification fields:

                                            	 	 
      	 	 
      	 	 
      
	 	
                                              GRADUATED_DATE

                                            	 	
                                              The
      date(s) at which the next rate and/or payment change will occur per the
      loan modification agreement.  All dates must be provided, not
      just the first change unless there is only a single change
      date.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            
	 	
                                              GRADUATED_RATE

                                            	 	
                                              The
      rate(s) that will apply at each change date as stated in the loan
      modification agreement.  All rates must be provided, not just
      the first change rate unless there is only a single change
      date.

                                            	 	
                                              4

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              7

                                            
	 	
                                              GRADUATED_PAYMENT

                                            	 	
                                              The
      payment(s) that will apply at each change date as stated in the loan
      modification agreement. All payments must be provided, not just the first
      change payment unless there is only a single change date.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              Plus
      the following applicable HAMP modification fields:

                                            	 	 
      	 	 
      	 	 
      
	 	
                                              MONTHLY_PAYMENT_

                                              REDUCTION_COST_SHARE

                                            	 	
                                              The
      subsidized payment from Treasury/FNMA to reimburse the investor for one
      half of the cost of reducing the monthly payment from 38% to 31% Front-End
      DTI.  This value represents the amount for the current cycle
      only.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page
16 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  	 	
                                          Column
      Name

                                        	 	
                                          Description

                                        	 	
                                          Decimal

                                        	 	
                                          Format
      Comment

                                        	 	
                                          Max
      
Size

                                        
	 	
                                          BORROWER_PAY-FOR-

                                          PERFORMANCE_SUCCESS

                                          _PAYMENTS

                                        	 	
                                          The
      amount paid to the servicer from U.S. Treasury/FNMA that reduces the
      principal balance of the interest bearing portion of the loan as the
      borrower stays current after modification.  This amount is
      applied annually up to a maximum of $1,000 for up to five
      years.  Reported for the related period as received by the
      servicer from FNMA.  This value represents the amount for the
      current cycle only.

                                        	 	
                                          2

                                        	 	
                                          Must
      be a positive number. If not applicable this field should be
      blank.

                                        	 	
                                          11

                                        
	 	
                                          ONE-TIME_BONUS_INCENTIVE_

                                          ELIGIBILITY

                                        	 	
                                          Y=Yes
      - The loan qualifies for the one-time bonus incentive payment of $1,500.00
      payable to the mortgage holder subject to certain de minimis
      constraints.

                                        	 	 
      	 	
                                          Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                        	 	
                                          3

                                        
	 	
                                          ONE-TIME_BONUS_INCENTIVE_

                                          AMOUNT

                                        	 	
                                          $1,500
      paid to mortgage holders for modifications made while a borrower is still
      current on mortgage payments. This value represents the amount for the
      current cycle only.

                                        	 	
                                          2

                                        	 	
                                          Must
      be a positive number. If not applicable this field should be
      blank.

                                        	 	
                                          11

                                        
	 	
                                          HOME_PRICE_DEPRECIATION_

                                          PAYMENTS

                                        	 	
                                          Amount
      payable to mortgage holders to partially offset probable losses from home
      price declines. This will be structured as a simple cash payment on each
      modified loan while the loan remains active in the
      program.  Payments of accrued HPDP incentives will be made on an
      annual basis on each of the first anniversary and the second anniversary
      of the date on which the first trial period payment is due under the Trial
      Period Plan.

                                        	 	
                                          2

                                        	 	
                                          Must
      be a positive number. If not applicable this field should be
      blank.

                                        	 	
                                          11

                                        
	 	
                                          LOAN_PARTICIPATION_END_

                                          DATE

                                        	 	
                                          The
      date upon which the last P&I payment is due during the 60-month
      participation of the U. S. Treasury and FNMA in the loan modification. For
      example, if the trial modification occurs April, May, and June of 2009
      then the first P&I payment of the 60-month participation begins with
      the July 2009 P&I payment. The last P&I payment of the 60-month
      program participation ends June 2014.  Enter in the last payment
      date of the 60-month participation period.

                                        	 	 
      	 	
                                          Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                        	 	
                                          10

                                        
	 	
                                          LOAN_MODIFICATION_INCENTIVE_

                                          TERMINATION_DATE

                                        	 	
                                          The
      date upon which borrower participation in the program is terminated
      because the borrower has defaulted or re-defaulted.  Re-default
      or Loss of Good Standing is defined under the HAMP guidelines as three
      monthly payments are due and unpaid on the last day of the third
      month.

                                        	 	 
      	 	
                                          Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                        	 	
                                          10

                                        


                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

        

        
          
            

          

        

        Page
17 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	 	
                                              Max
Size

                                            
	 	
                                              MODIFIED_INTEREST_RATE_CAP

                                            	 	
                                              The
      modified interest rate must remain in place for 60 months, after which
      time the interest rate will be gradually increased 1% per year or such
      lesser amount as may be needed until the interest rate reaches the
      Modified Interest Rate Cap. The Modified Interest Rate Cap determined as
      of the date the modification document is prepared is the greater of (i)
      the fully amortizing contractual rate as modified to achieve 31% DTI or
      (ii) the Freddie Mac Primary Mortgage Market Survey rate for 30year fixed
      rate conforming mortgage loans, rounded to the nearest 0.125%, as of the
      date that the modification document is prepared.  If the
      modified rate exceeds the Freddie Mac Primary Mortgage Market Survey rate
      in effect on the date the modification document is prepared, the modified
      rate will be the new note rate for the remaining loan
      term.  However, if the Freddie Mac Primary Mortgage Market
      Survey rate exceeds the modified rate, then the rate at which interest
      accrues will be increased to the Freddie Mac Primary Mortgage Market
      Survey rate after the end of the 60-month period during which the loan is
      monitored by FNMA for participation as an HAMP modified
    loan.

                                            	 	
                                              4

                                            	 	
                                              Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                            	 	
                                              7

                                            
	 	
                                              ADMIN_FEES_ASSOC_WITH_
PARTICIPATING_IN_PROGRAM

                                            	 	
                                              Fees
      incurred by the Servicer while administering this program, as allowed by
      governing document provisions.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              MODIFICATION_TYPE

                                            	 	
                                              This
      will distinguish HAMP modifications from other non-HAMP
      modifications.

                                            	 	 
      	 	
                                              "HMP"
      for HAMP modifications, or other identified code is also
      acceptable.

                                            	 	
                                              10

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

        

        
          
            

          

        

        Page
18 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      Exhibit
2: Monthly Summary Report by Single Investor

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                
                                                                  	
                                                                          MONTHLY
      SUMMARY REPORT

                                                                        	 
      	 
      
	
                                                                          For
      Month Ended:   mm/dd/yyyy

                                                                        	
                                                                          Servicer Name

                                                                        	 
      	 
      	 
      
	
                                                                          Prepared
      by:  _____________________________

                                                                        	
                                                                          Investor Nbr

                                                                        	 
      	 
      	 
      
	 
      	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                          Section
      1. Remittances and Ending Balances - Required Data

                                                                        	 
      
	
                                                                          Beginning

                                                                        	
                                                                          Ending

                                                                        	
                                                                           Total
      Monthly

                                                                        	
                                                                           Total
      Ending Unpaid 

                                                                        	
                                                                           Total
      Monthly Principal 

                                                                        
	
                                                                           Loan
      Count 

                                                                        	
                                                                           Loan
      Count 

                                                                        	
                                                                           Remittance
      Amount

                                                                        	
                                                                          Principal
      Balance

                                                                        	
                                                                          Balance

                                                                        
	
                                                                          0

                                                                        	
                                                                          0

                                                                        	
                                                                          $0.00

                                                                        	
                                                                          $0.00

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          Principal Calculation

                                                                        	 
      	 
      	 
      	 
      	 
      
	
                                                                          1.  Monthly
      Principal Due

                                                                        	 
      	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          2.  Current
      Curtailments

                                                                        	 
      	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          3.  Liquidations

                                                                        	 
      	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          4.  Other
      (attach explanation)

                                                                        	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          5.  Principal
      Due

                                                                        	 
      	 
      	 
      	 
      	
                                                                          $0.00

                                                                        
	
                                                                          6.  Interest
      (reported
      "gross")

                                                                        	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          7.  Interest
      Adjustments on Curtailments

                                                                        	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          8.  Servicing
      Fees

                                                                        	 
      	 
      	 
      	
                                                                          -

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          9.  Other
      Interest (attach explanation)

                                                                        	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          10.
      Interest Due

                                                                        	
                                                                          (need
      to subtract ser fee)

                                                                        	 
      	
                                                                          $0.00

                                                                        
	
                                                                          Remittance Calculation

                                                                        	 
      	 
      	 
      	 
      	 
      
	
                                                                          11.  Total
      Principal and Interest Due (lines 5+10)

                                                                        	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          12.  Reimbursement
      of Non-Recoverable Advances

                                                                        	 
      	
                                                                          -

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          13.  Total
      Realized gains

                                                                        	 
      	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          14.  Total
      Realized Losses

                                                                        	 
      	 
      	 
      	
                                                                          -

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          15.  Total
      Prepayment Penalties

                                                                        	 
      	 
      	
                                                                          +

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          16.  Total
      Non-Supported Compensating Interest

                                                                        	 
      	
                                                                          -

                                                                        	
                                                                          $0.00

                                                                        
	
                                                                          17.  Other
      (attach explanation)

                                                                        	 
      	 
      	 
      	
                                                                          $0.00

                                                                        
	
                                                                          18.  Net
      Funds Due on or before Remittance Date

                                                                        	 
      	
                                                                          $

                                                                        	
                                                                          $0.00

                                                                        


                                                                

                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

        
          
            

          

        

        Page
19 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

       

      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      Exhibit
2: Monthly Summary Report by Single Investor (continued)

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          	
                                                  Section 2. Delinquency Report -
      Optional Data for Loan Accounting

                                                
	
                                                  Installments
      Delinquent

                                                
	
                                                  Total
      No.

                                                	
                                                  Total
      No.

                                                	 
      	 
      	 
      	
                                                  In

                                                	
                                                  Real
      Estate

                                                	
                                                  Total
      Dollar

                                                
	
                                                  of

                                                	
                                                  of

                                                	
                                                  30-

                                                	
                                                  60-

                                                	
                                                  90
      or more

                                                	
                                                  Foreclosure

                                                	
                                                  Owned

                                                	
                                                  Amount
      of

                                                
	
                                                  Loans

                                                	
                                                  Delinquencies

                                                	
                                                  Days

                                                	
                                                  Days

                                                	
                                                  Days

                                                	
                                                  (Optional)

                                                	
                                                  (Optional)

                                                	
                                                  Delinquencies

                                                
	
                                                  0

                                                	
                                                  0

                                                	
                                                  0

                                                	
                                                  0

                                                	
                                                  0

                                                	
                                                  0

                                                	
                                                  0

                                                	
                                                  $0.00

                                                


                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      


      
        
          
            
              
                
                  
                    	
                            Section
      3.  REG AB Summary Reporting - REPORT ALL APPLICABLE
      FIELDS

                          
	
                            REG
      AB FIELDS

                          	
                            LOAN
      COUNT

                          	
                            BALANCE

                          
	
                            PREPAYMENT  PENALTY
      AMT

                          	
                            0

                          	
                            $0.00

                          
	
                            PREPAYMENT
      PENALTY AMT WAIVED

                          	
                            0

                          	
                            $0.00

                          
	
                            DELINQUENCY
      P&I AMOUNT

                          	
                            0

                          	
                            $0.00

                          


                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page 20
of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Investor Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      Exhibit
3: Supplemental Prepayment Period Reporting File Layout

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	 	
                                                      Column
      Name

                                                    	 	
                                                      Description

                                                    	 	
                                                      Decimal

                                                    	 	
                                                      Format
      Comment

                                                    	 	
                                                      Max

                                                      Size

                                                    
	 	
                                                      LOAN_NBR

                                                    	 	
                                                      A
      unique identifier assigned to each loan by the investor.

                                                    	 	 
      	 	
                                                      Text
      up to 10 digits

                                                    	 	
                                                      10

                                                    
	 	
                                                      SERVICER_LOAN_NBR

                                                    	 	
                                                      A
      unique number assigned to a loan by the Servicer. This may be different
      than the LOAN_NBR.

                                                    	 	 
      	 	
                                                      Text
      up to 10 digits

                                                    	 	
                                                      10

                                                    
	 	
                                                      LIQUIDATION_AMOUNT

                                                    	 	
                                                      The
      loan “paid in full” amount as reported by the Servicer.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      PIF_DATE

                                                    	 	
                                                      The
      paid in full date as reported by the Servicer.

                                                    	 	 
      	 	
                                                      MM/DD/YYYY

                                                    	 	
                                                      10

                                                    
	 	
                                                      ACTL_END_PRIN_BAL

                                                    	 	
                                                      The
      borrower's actual principal balance at the end of the processing
      cycle.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      SCHED_END_PRIN_BAL

                                                    	 	
                                                      The
      scheduled principal balance due to investors at the end of a processing
      cycle.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      CURTAILMENT_AMT

                                                    	 	
                                                      Total
      curtailment amount to be applied.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      CURTAILMENT_DATE

                                                    	 	
                                                      Curtailment
      date

                                                    	 	 
      	 	
                                                      MM/DD/YYYY

                                                    	 	
                                                      6

                                                    
	 	
                                                      PREPAY_PENALTY_AMT

                                                    	 	
                                                      The
      penalty amount received when a borrower prepays on his loan as reported by
      the Servicer.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      PREPAY_PENALTY_WAIVED

                                                    	 	
                                                      The
      prepayment penalty amount for the loan waived by the
    Servicer.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      PREPAYMENT_PENALTY_SERVICER_PAID

                                                    	 	
                                                      The
      prepayment penalty amount for the loan paid by the
    Servicer.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      PREPAY_PENALTY_BORROWER_PAID

                                                    	 	
                                                      The
      prepayment penalty amount for the loan paid by the
    borrower.

                                                    	 	
                                                      2

                                                    	 	
                                                      No
      commas(,) or dollar signs ($)

                                                    	 	
                                                      11

                                                    
	 	
                                                      BREACH_FLAG

                                                    	 	
                                                      Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                                                    	 	 
      	 	
                                                      Y=Breach

                                                      N=NO
      Breach

                                                      Let
      blank if N/A

                                                    	 	
                                                      1

                                                    
	 	
                                                      ACTION_CODE

                                                    	 	
                                                      The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan.

                                                      This
      is a required field.

                                                    	 	 
      	 	
                                                      Refer
      to Exhibit 6 for valid codes.  Field cannot be
    null.

                                                    	 	
                                                      2

                                                    


                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          
            

          

        

        Page
21 of 29

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

    
 

    
      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        For
      Investor Reporting

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

    

    


    Exhibit
4: Supplemental REG AB File Layout

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        	 	
                                                                Column Name

                                                              	 	
                                                                Description

                                                              	 	
                                                                Decimal

                                                              	 	
                                                                Format
    Comment

                                                              	 	
                                                                Max

                                                                Size

                                                              
	 	
                                                                SER_INVESTOR_NBR

                                                              	 	
                                                                A
      value assigned by the Servicer to define a group of loans.

                                                              	 	 
      	 	
                                                                Text up to 20
      digits

                                                              	 	
                                                                20

                                                              
	 	
                                                                LOAN_NBR

                                                              	 	
                                                                A
      unique identifier assigned to each loan by the investor.

                                                              	 	 
      	 	
                                                                Text
      up to 10 digits

                                                              	 	
                                                                10

                                                              
	 	
                                                                SERVICER_LOAN_NBR

                                                              	 	
                                                                A
      unique number assigned to a loan by the Servicer. This may be different
      than the LOAN_NBR.

                                                              	 	 
      	 	
                                                                Text
      up to 10 digits

                                                              	 	
                                                                10

                                                              
	 	
                                                                PREPAY_PENALTY_
      AMT

                                                              	 	
                                                                The
      penalty amount received when a borrower prepays on his loan as reported by
      the Servicer.

                                                              	 	
                                                                2

                                                              	 	
                                                                No
      commas(,) or dollar signs ($)

                                                              	 	
                                                                11

                                                              
	 	
                                                                PREPAY_PENALTY_
      WAIVED

                                                              	 	
                                                                The
      prepayment penalty amount for the loan waived by the
    Servicer.

                                                              	 	
                                                                2

                                                              	 	
                                                                No
      commas(,) or dollar signs ($)

                                                              	 	
                                                                11

                                                              
	 	
                                                                MOD_DATE

                                                              	 	
                                                                The
      effective Payment Date of the Modification for the loan.

                                                              	 	 
      	 	
                                                                MM/DD/YYYY

                                                              	 	
                                                                10

                                                              
	 	
                                                                DELINQ_P&I_ADVANCE_AMT

                                                              	 	
                                                                The
      current outstanding principal and interest advances made by
      Servicer.

                                                              	 	
                                                                2

                                                              	 	
                                                                No
      commas(,) or dollar signs ($)

                                                              	 	
                                                                11

                                                              
	 	
                                                                ACTION_CODE

                                                              	 	
                                                                The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan.

                                                                This
      is a required field.

                                                              	 	 
      	 	
                                                                Refer
      to Exhibit 6 for valid codes.  Field cannot be
    null.

                                                              	 	
                                                                2

                                                              
	 	
                                                                BORR_NEXT_PAY_DUE_DATE

                                                              	 	
                                                                The
      date at the end of processing cycle that the borrower's next payment is
      due to the Servicer, as reported by Servicer.

                                                              	 	 
      	 	
                                                                MM/DD/YYYY

                                                              	 	
                                                                10

                                                              
	 	
                                                                BREACH_FLAG

                                                              	 	
                                                                Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                                                              	 	 
      	 	
                                                                Y=Breach

                                                                N=NO
      Breach

                                                                Let
      blank if N/A

                                                              	 	
                                                                1

                                                              


                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

      

    
      
        

      

    

    Page 22 of 29

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
 

    
      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        For
      Investor Reporting

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

    

    
 

    Exhibit
5: Supplemental Modification File Layout

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                	 	
                                                                        Column Name

                                                                      	 	
                                                                        Description

                                                                      	 	
                                                                        Decimal

                                                                      	 	
                                                                        Format
    Comment

                                                                      	 	
                                                                        Max

                                                                        Size

                                                                      
	 	
                                                                        LOAN_NBR

                                                                      	 	
                                                                        A
      unique identifier assigned to each loan by the investor.

                                                                      	 	 
      	 	
                                                                        Text
      up to 10 digits

                                                                      	 	
                                                                        10

                                                                      
	 	
                                                                        SERVICER_NBR

                                                                      	 	
                                                                        A
      value assigned by the investor to define a group of loans.

                                                                      	 	 
      	 	
                                                                        Text up to 4 digits

                                                                      	 	
                                                                        4

                                                                      
	 	
                                                                        MOD_DATE

                                                                      	 	
                                                                        The
      first loan payment date on which the modified loan terms become
      effective.  This field is required if any of the below fields
      are populated with a value.

                                                                      	 	 
      	 	
                                                                        Any
      valid date greater than loan origination date.  (MM/DD/YYYY). 
      If the loan is not modified this field should be blank.

                                                                      	 	
                                                                        10

                                                                      
	 	
                                                                        CAPITALIZED_AMOUNT

                                                                      	 	
                                                                        The
      amount added to actual outstanding principal balance owed by the borrower
      due to a modification.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        TOTAL_SERVICING_ADVANCES

                                                                      	 	
                                                                        The
      total amount advanced by the Servicer for the loan modification, which can
      be comprised of Attorney Fees, Appraisal Fees, Inspection Fees, and other
      items as defined in the governing documents.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        SERVICING_FEE_ADVANCES

                                                                      	 	
                                                                        The
      total amount of servicing fees for delinquent payments that has been
      advanced by the Servicer for the loan modification.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        ESCROW_ADVANCES

                                                                      	 	
                                                                        The
      total amount of escrow advances made by the Servicer on the loan
      modification, which can include insurance, taxes, mortgage insurance, and
      other items as defined in the governing documents.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        INTEREST_ADVANCES

                                                                      	 	
                                                                        The
      total amount of Net
      interest that has been advanced by the Servicer for the loan’s
      modification delinquent payments

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If Interest Advances exist the loan must
      have either Capitalized Amount or Interest Forgiveness Amount associated
      with it.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        MODIFIED_BEGINNING_BALANCE

                                                                      	 	
                                                                        The
      beginning principal balance that is owed by the borrower as of the
      Modification Effective Date per the modification
agreement.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        MODIFIED_INTEREST_RATE

                                                                      	 	
                                                                        The
      gross interest rate for the loan beginning on the Modification Effective
      Date per the modification agreement.

                                                                      	 	
                                                                        4

                                                                      	 	
                                                                        Must
      be a positive number.  Max length of 6. If not applicable this
      field should be blank.

                                                                      	 	
                                                                        6

                                                                      
	 	
                                                                        MODIFIED_P&_AMOUNT

                                                                      	 	
                                                                        The
      total principal and interest payment due for the loan beginning on the
      Modification Effective Date per the modification
agreement.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If not applicable this field should be
      blank.

                                                                      	 	
                                                                        11

                                                                      
	 	
                                                                        MODIFIED_BALLOON_AMOUNT

                                                                      	 	
                                                                        The
      balloon payment amount on the loan per the modification
      agreement.

                                                                      	 	
                                                                        2

                                                                      	 	
                                                                        Must
      be a positive number.  If Modified Balloon is populated then
      Modified Balloon Amount cannot be null.

                                                                      	 	
                                                                        11

                                                                      


                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
        

      
        
          

        

      

      Page 23 of 29

        

    

    
      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
       

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000 (phone)

                        


                

                 

              

            

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          	 	
                                                                  Column Name

                                                                	 	
                                                                  Description

                                                                	 	
                                                                  Decimal

                                                                	 	
                                                                  Format
    Comment

                                                                	 	
                                                                  Max

                                                                  Size

                                                                
	 	
                                                                  MODIFIED_BALLOON_DATE 

                                                                	 	
                                                                  The
      date on which the balloon payment is due per the modification
      agreement.  The value in this field could be populated if a
      balloon payment is being created or changed through the modification of
      the loan. 

                                                                	 	 	 	
                                                                  Any
      valid date (MM/DD/YYYY)– Note: Cannot be beyond the final maturity date of
      loan.  If Modified Balloon Amount has a value, Modified Balloon
      Date must have a value.  If not applicable this field should be
      blank. 

                                                                	 	
                                                                  10 

                                                                
	 	
                                                                  MODIFIED_MATURITY_DATE

                                                                	 	
                                                                  The
      maturity date of the loan per the modification agreement.

                                                                	 	 
      	 	
                                                                  Any
      valid date (MM/DD/YYYY) – If not applicable this field should be
      blank.

                                                                	 	
                                                                  10

                                                                
	 	
                                                                  PRINCIPAL_FORGIVENESS

                                                                	 	
                                                                  The
      total amount of principal due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                                                	 	
                                                                  2

                                                                	 	
                                                                  Must
      be a positive number.  If not this field should be
      blank.

                                                                	 	
                                                                  11

                                                                
	 	
                                                                  INTEREST_FORGIVENESS

                                                                	 	
                                                                  The
      total amount of interest due that have been waived or forgiven by the
      Servicer per modification agreement.

                                                                	 	
                                                                  2

                                                                	 	
                                                                  Must
      be a positive number.  If not this field should be
      blank

                                                                	 	
                                                                  11

                                                                
	 	
                                                                  EXPENSE_FORGIVENESS

                                                                	 	
                                                                  The
      total amount of expenses due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                                                	 	
                                                                  2

                                                                	 	
                                                                  Must
      be a positive number.  If not this field should be
      blank

                                                                	 	
                                                                  11

                                                                
	 	
                                                                  ARM_TO_FIXED_CONVERSION

                                                                	 	
                                                                  Indicates
      if the loan is an adjustable rate mortgage (ARM) loan that has been
      converted to a fixed rate loan per the modification agreement; not through
      existing provisions of the original ARM parameters.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  FIXED_TO_ARM_CONVERSION

                                                                	 	
                                                                  Indicates
      if the loan is a fixed rate loan that has been converted to an adjustable
      rate mortgage (ARM) loan per the modification agreement.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  IO_TO_FULLY_AMORTIZED_

                                                                  CONVERSION

                                                                	 	
                                                                  Indicates
      if the loan payments were comprised of interest only and have been
      converted to fully amortizing loan payments per the modification
      agreement.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  FULLY_AMORTIZED_TO_IO_

                                                                  CONVERSION

                                                                	 	
                                                                  Indicates
      if the loan payments were fully amortizing and have been converted to
      interest only payments.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  TEMPORARY_MODIFICATION

                                                                	 	
                                                                  Indicates
      if the modified loan terms are in effect only for a specified time period,
      after which the original loan terms are reinstated.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  GRADUATED_RATE_OR_

                                                                  PAYMENT_MODIFICATION

                                                                	 	
                                                                  Indicates
      if the modified terms consist of graduated rates and/or payments for a
      loan, or if the loan’s previously existing graduated rate and/or payment
      schedule is being changed per the modification agreement.

                                                                	 	 
      	 	
                                                                  Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                                                                	 	
                                                                  1

                                                                
	 	
                                                                  MODIFIED_NEXT_PAYMENT_

                                                                  ADJUST_DATE

                                                                	 	
                                                                  The
      date on which the next payment adjustment is scheduled to occur for an
      adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                                                	 	 
      	 	
                                                                  Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                                                	 	
                                                                  10

                                                                


                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

      

    
      
        

      

    

    Page 24 of 29

        

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services
 

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
 

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000
(phone)

                        


                

              

            

          

        

      

       

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	 	
                                                      Column Name

                                                    	 	
                                                      Description

                                                    	 	
                                                      Decimal

                                                    	 	
                                                      Format
    Comment

                                                    	 	
                                                      Max

                                                      Size

                                                    
	 	
                                                      MODIFIED_NEXT_INTEREST_

                                                      RATE_ADJUST_DATE

                                                    	 	
                                                      The
      date on which the next interest rate adjustment is scheduled to occur for
      an adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                                    	 	 
      	 	
                                                      Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                                    	 	
                                                      10

                                                    
	 	
                                                      MODIFIED_ARM_PARAMETER

                                                    	 	
                                                      Indicates
      if the loan’s existing ARM parameters are changing (and it is remaining an
      ARM loan) per the modification agreement.

                                                    	 	 
      	 	
                                                      Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null Value) it
      will be treated as “N”.

                                                    	 	
                                                      1

                                                    
	 	
                                                      BORROWER_SEGMENTATION_

                                                      CODE

                                                    	 	
                                                      Indicates
      which segment a subprime ARM loan is classified under, based on the
      American Securitization Forum's Streamlined Foreclosure and Loss Avoidance
      Framework for Securitized Subprime Adjustable Rate Mortgage
      Loans.  At this time, Servicers only need to report loans that
      are classified as “Segment 2”, which includes current loans where the
      borrower is unlikely to be able to refinance into any readily available
      mortgage industry product.

                                                    	 	 
      	 	
                                                      Must
      be populated with a 2 if the loan falls under the ASF streamlined
      foreclosure and loss avoidance framework for Modifications, otherwise the
      value should be blank.  If Borrower Segmentation Code of “2” is
      reported, the population of “Modified Next Payment Adjustment Date” and
      Modified Next Interest Rate Adjust Date is required.

                                                    	 	
                                                      1

                                                    
	 	
                                                      APPROVAL_FROM_OUTSIDE_PARTY

                                                    	 	
                                                      If
      the governing documents require another party’s approval to allow
      additional modifications after the Modification Limit (as defined in the
      governing documents) has been exceeded.

                                                    	 	 
      	 	
                                                      Y/N
      Blank:

                                                       Yes
      indicates that the required party’s approval of the modification has been
      obtained by the Servicer.  No indicates that the approval has
      not be obtained.  Blank indicates this field is not
      applicable.

                                                    	 	
                                                      1

                                                    
	 	
                                                      NON-INTEREST_BEARING_PRINCIPAL_

                                                      DEFERRED_AMOUNT

                                                    	 	
                                                      The
      total amount of principal deferred by the modification. Deferred amounts
      are not subject to interest bearing accrual.  This field is
      preferred to be reported as part of the monthly remittance file, but must
      be reported in this supplemental file if not reported on the monthly
      remittance file.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	 	
                                                      11

                                                    
	 	
                                                      NON-INT_BEARING_DEFERRED_INT_

                                                      AND_FEES_AMT

                                                    	 	
                                                      The
      total amount of interest and expenses deferred by the modification that
      are not subject to interest accrual. Deferred amounts are not subject to
      interest accrual. This field is preferred to be reported as part of the
      monthly remittance file, but must be reported in this supplemental file if
      not reported on the monthly remittance file.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	 	
                                                      11

                                                    
	 	
                                                      NON-INTEREST_BEARING_DEFERRED_

                                                      PAID_IN_FULL_AMOUNT

                                                    	 	
                                                      This
      value is to be reported when any principal forbearance loan modification
      either liquidates or is paid in full. This separate field is needed
      because most Servicers separately track the principal forbearance amount
      and thus the existing paid in full amount field will not work since it
      will incur interest on most Servicing systems and will only include the
      amount that is required to pay off the amortization
    balance.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	 	
                                                      11

                                                    


                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

      

    
      
        

      

    

    Page 25 of 29

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services
 

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
 

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000 (phone)

                        


                

                 

              

            

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                	 	
                                                        Column Name

                                                      	 	
                                                        Description

                                                      	 	
                                                        Decimal

                                                      	 	
                                                        Format
    Comment

                                                      	 	
                                                        Max

                                                        Size

                                                      
	 	
                                                        ACTUAL_ENDING_BALANCE_

                                                        TOTAL_DEBT_OWED

                                                      	 	
                                                        Formerly
      the field named “Actual Ending Balance Including Deferred
      Amount”.  For a loan with principal forbearance, the value in
      this field will be the sum of the actual ending balance field already
      supplied on the file plus the deferred amount.  For all other
      loans, it is their actual ending balance.

                                                      	 	
                                                        2

                                                      	 	
                                                        Must
      be a positive number.

                                                      	 	
                                                        11

                                                      
	 	
                                                        SCHEDULED_ENDING_BALANCE_

                                                        TOTAL_DEBT_OWED

                                                      	 	
                                                        Formerly
      the field named “Scheduled Ending Balance Including Deferred
      Amount”.   For a loan with principal forbearance, the value
      in this field will be the sum of the scheduled ending balance field
      already supplied on the file plus the deferred amount. For all other
      loans, it is their scheduled ending balance.

                                                      	 	
                                                        2

                                                      	 	
                                                        Must
      be a positive number.

                                                      	 	
                                                        11

                                                      
	 	
                                                        Plus
      the following applicable GRM/GPM modification fields:

                                                      	 	 
      	 	 
      	 	 
      
	 	
                                                        GRADUATED_DATE

                                                      	 	
                                                        The
      date(s) at which the next rate and/or payment change will occur per the
      loan modification agreement.  All dates must be provided, not
      just the first change unless there is only a single change
      date.

                                                      	 	 
      	 	
                                                        Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                                      	 	
                                                        10

                                                      
	 	
                                                        GRADUATED_RATE

                                                      	 	
                                                        The
      rate(s) that will apply at each change date as stated in the loan
      modification agreement.  All rates must be provided, not just
      the first change rate unless there is only a single change
      date.

                                                      	 	
                                                        4

                                                      	 	
                                                        Must
      be a positive number. If not applicable this field should be
      blank.

                                                      	 	
                                                        7

                                                      
	 	
                                                        GRADUATED_PAYMENT

                                                      	 	
                                                        The
      payment(s) that will apply at each change date as stated in the loan
      modification agreement. All payments must be provided, not just the first
      change payment unless there is only a single change date.

                                                      	 	
                                                        2

                                                      	 	
                                                        Must
      be a positive number. If not applicable this field should be
      blank.

                                                      	 	
                                                        11

                                                      
	 	
                                                        Plus
      the following applicable HAMP modification fields:

                                                      	 	 
      	 	 
      	 	 
      
	 	
                                                        MONTHLY_PAYMENT_REDUCTION_

                                                        COST_SHARE

                                                      	 	
                                                        The
      subsidized payment from Treasury/FNMA to reimburse the investor for one
      half of the cost of reducing the monthly payment from 38% to 31% Front-End
      DTI.  This value represents the amount for the current cycle
      only.

                                                      	 	
                                                        2

                                                      	 	
                                                        Must
      be a positive number. If not applicable this field should be
      blank.

                                                      	 	
                                                        11

                                                      
	 	
                                                        BORROWER_PAY-FOR-

                                                        PERFORMANCE_SUCCESS_

                                                        PAYMENTS

                                                      	 	
                                                        The
      amount paid to the servicer from U.S. Treasury/FNMA that reduces the
      principal balance of the interest bearing portion of the loan as the
      borrower stays current after modification.  This amount is
      applied annually up to a maximum of $1,000 for up to five
      years.  Reported for the related period as received by the
      servicer from FNMA.  This value represents the amount for the
      current cycle only.

                                                      	 	
                                                        2

                                                      	 	
                                                        Must
      be a positive number. If not applicable this field should be
      blank.

                                                      	 	
                                                        11

                                                      
	 	
                                                        ONE-

                                                        TIME_BONUS_INCENTIVE_

                                                        ELIGIBILITY

                                                      	 	
                                                        Y=Yes
      - The loan qualifies for the one-time bonus incentive payment of $1,500.00
      payable to the mortgage holder subject to certain de minimis
      constraints.

                                                      	 	 
      	 	
                                                        Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                                      	 	
                                                        3

                                                      


                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

      

    
      
        

      

    

    Page 26 of 29

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services
 

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
       

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000 (phone)

                        


                

                 

              

            

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
    Comment

                                            	 	
                                              Max

                                              Size

                                            
	 	
                                              ONE-

                                              TIME_BONUS_INCENTIVE_

                                              AMOUNT

                                            	 	
                                              $1,500
      paid to mortgage holders for modifications made while a borrower is still
      current on mortgage payments. This value represents the amount for the
      current cycle only.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              HOME_PRICE_DEPRECIATION_

                                              PAYMENTS

                                            	 	
                                              Amount
      payable to mortgage holders to partially offset probable losses from home
      price declines. This will be structured as a simple cash payment on each
      modified loan while the loan remains active in the
      program.  Payments of accrued HPDP incentives will be made on an
      annual basis on each of the first anniversary and the second anniversary
      of the date on which the first trial period payment is due under the Trial
      Period Plan.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              LOAN_PARTICIPATION_END_

                                              DATE

                                            	 	
                                              The
      date upon which the last P&I payment is due during the 60-month
      participation of the U. S. Treasury and FNMA in the loan modification. For
      example, if the trial modification occurs April, May, and June of 2009
      then the first P&I payment of the 60-month participation begins with
      the July 2009 P&I payment. The last P&I payment of the 60-month
      program participation ends June 2014.  Enter in the last payment
      date of the 60-month participation period.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            
	 	
                                              LOAN_MODIFICATION_

                                              INCENTIVE_TERMINATION_

                                              DATE

                                            	 	
                                              The
      date upon which borrower participation in the program is terminated
      because the borrower has defaulted or re-defaulted.  Re-default or
      Loss of Good Standing is defined under the HAMP guidelines as three
      monthly payments are due and unpaid on the last day of the third
      month.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	 	
                                              10

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

      

    
      
        

      

    

    Page 27 of 29

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services
 

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
 

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000
(phone)

                        


                

              

            

          

        

      

       

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
    Comment

                                            	 	
                                              Max

                                              Size

                                            
	 	
                                              MODIFIED_INTEREST_RATE_

                                              CAP

                                            	 	
                                              The
      modified interest rate must remain in place for 60 months, after which
      time the interest rate will be gradually increased 1% per year or such
      lesser amount as may be needed until the interest rate reaches the
      Modified Interest Rate Cap. The Modified Interest Rate Cap determined as
      of the date the modification document is prepared is the greater of (i)
      the fully amortizing contractual rate as modified to achieve 31% DTI or
      (ii) the Freddie Mac Primary Mortgage Market Survey rate for 30year fixed
      rate conforming mortgage loans, rounded to the nearest 0.125%, as of the
      date that the modification document is prepared.  If the
      modified rate exceeds the Freddie Mac Primary Mortgage Market Survey rate
      in effect on the date the modification document is prepared, the modified
      rate will be the new note rate for the remaining loan
      term.  However, if the Freddie Mac Primary Mortgage Market
      Survey rate exceeds the modified rate, then the rate at which interest
      accrues will be increased to the Freddie Mac Primary Mortgage Market
      Survey rate after the end of the 60-month period during which the loan is
      monitored by FNMA for participation as an HAMP modified
    loan.

                                            	 	
                                              4

                                            	 	
                                              Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                            	 	
                                              7

                                            
	 	
                                              ADMIN_FEES_ASSOC_WITH_

                                              PARTICIPATING_IN_PROGRAM

                                            	 	
                                              Fees
      incurred by the Servicer while administering this program, as allowed by
      governing document provisions.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	 	
                                              11

                                            
	 	
                                              MODIFICATION_TYPE

                                            	 	
                                              This
      will distinguish HAMP modifications from other non-HAMP
      modifications.

                                            	 	 
      	 	
                                              "HMP"
      for HAMP modifications, or other identified code is also
      acceptable.

                                            	 	
                                              10

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
        

      
        
          

        

      

      Page 28 of 29

        

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services
 

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
 

      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          For
      Investor Reporting

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000
(phone)

                        


                

              

            

          

        

      

    

     

    Exhibit 6: Action
Codes

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	
                                                      Action Code

                                                    	
                                                      Description

                                                    
	
                                                      0

                                                    	
                                                      No
      Action

                                                    
	
                                                      12

                                                    	
                                                      Relief
      Provision

                                                    
	
                                                      15

                                                    	
                                                      Bankruptcy

                                                    
	
                                                      20

                                                    	
                                                      Loss
      Mitigation

                                                    
	
                                                      25

                                                    	
                                                      Money
      Judgment

                                                    
	
                                                      30

                                                    	
                                                      Decision
      for Foreclosure

                                                    
	
                                                      40

                                                    	
                                                      Inactivation

                                                    
	
                                                      60

                                                    	
                                                      Loan
      Paid in Full

                                                    
	
                                                      63

                                                    	
                                                      Substitution

                                                    
	
                                                      65

                                                    	
                                                      Repurchase

                                                    
	
                                                      67

                                                    	
                                                      Modifiable
      ARMs

                                                    
	
                                                      70

                                                    	
                                                      REO

                                                    
	
                                                      71

                                                    	
                                                      3rd
      Party Foreclosure

                                                    
	
                                                      72

                                                    	
                                                      Foreclosure
      with
Claim

                                                    


                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
        

      
        
          

        

      

      Page 29 of 29

        

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    


     

     

    Wells
Fargo Bank, N.A.

    Corporate
Trust Services

     

    Servicer
File Load Requirements

    for

    Loss
Claim Reporting

    
    

      

    Effective
March 15, 2010

     

      
        

      

    

    
        

      © Copyright Wells Fargo Bank, Corporate
Trust Services

    

     

    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Loss Claim Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      Maryland  21045

                (410)
      884-2000

              


      

    

    


    
      
        
          
            
              
                
                  
                    
                      	
                              General
      Information

                            


                    

                  

                

              

            

          

        

      

    

    


    Whether
the Servicer is new or existing to Wells Fargo, the Servicer must comply with
Wells Fargo’s standards for Loss Reporting.  This package includes all
the information the Servicer needs to know in order to meet the reporting
requirements, including:

    


    
      	
               
      

            	
              I.

            	
              File
      Delivery Requirements

            


    

    
      	
               
      

            	
              II.

            	
              Loss
      Claim Reporting Requirements

            


    

    


    Timing

    Once the
Servicer begins monthly reporting, reporting must be done in a timely and consistent manner. Wells Fargo
recommends the Servicer take all necessary steps/actions to ensure that the
Servicer reports and electronic files are delivered successfully to Wells
Fargo’s Corporate Trust Services.  Servicer reports should be received
no later than the required report due date specified with the servicing
agreement. The Servicer shall deliver a complete and accurate file on or before
the reporting due date.  A report is considered late if it is
incomplete or not delivered by the reporting due date.

    


    All initial losses must be received
within 3 months of liquidation date.  All trailing losses are due
within six (6) months of the liquidation date. All trailing gains that are due
to the trust must be sent regardless of the liquidation
date.

    


    Data
Integrity

    The
Servicer shall deliver an accurate, complete and valid file by the reporting due
date. The file format provided shall be consistent with the Delinquency
Reporting standard format and guidelines that are defined in this document, as
well as posted on the ServicerConnect website (www.ServicerConnect.com).

     

    Communication
of Reporting Changes

    If there
are any changes to the file requirements noted in the guidelines, Wells Fargo
will provide a 60-90 day advance notification on the ServicerConnect website,
prior to the effective date of the change.  The Servicer must make
every effort to comply with the standard format, the naming conventions, and
changes to the format that may be required.

     

    Note:

    These
reporting requirements are subject to change. For the Servicers’ convenience,
all current requirements are posted to the ServicerConnect website at www.ServicerConnect.com.

    
      
          

        
          
            

          

        

        Page 2 of 13

          

      

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: Mary.C.Rose@wellsfargo.com

    ©
Copyright Wells Fargo Bank, Corporate Trust Services


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    
 

    

      
        
          
            
              	
                      

                    	
                      Corporate
      Trust Services

                      Servicer
      File Load Requirements

                      For
      Loss Claim Reporting

                    	
                      Wells
      Fargo Bank, NA

                      9062
      Old Annapolis Road

                      Columbia,
      Maryland  21045

                      (410)
      884-2000

                    


            

          

        

      

       

      
        
          
            
              	
                      I.  File
      Delivery
Requirements

                    


            

          

        

      

      
ServicerConnect
— the preferred method of delivery for secure transfer of monthly reporting
files

      To help
ensure the security of the data delivery, Wells Fargo offers the ServicerConnect  website
at www.ServicerConnect.com.
This site serves as Wells Fargo’s preferred method for file delivery for all
Servicers’ monthly reporting. The Servicer shall deliver monthly reports in
accordance with the Master Servicer’s preferred delivery method (currently via
the ServicerConnect website). Under no circumstances shall the Master Servicer
be responsible for obtaining the file from the Servicer’s website.

      


      ServicerConnect 
benefits

      
        	
                 
      

              	
                ·

              	
                Provides
      24/7, round-the-clock access

              


      

      
        	
                 
      

              	
                ·

              	
                Available
      free of charge

              


      

      
        	
                 
      

              	
                ·

              	
                Allows
      for manual entry of loan level data, as well as uploading of loan level
      files/reports, summary and supplemental
files

              


      

      
        	
                 
      

              	
                ·

              	
                Ensures
      a secure transfer of data using the industry standard’s Secure Socket
      Layer, 128-bit encryption. ServicerConnect
      satisfies the Privacy Act requirements for maintaining confidentiality of
      data.

              


      

      
        	
                 
      

              	
                ·

              	
                Offers
      online help in navigating the site and using its various
      functions

              


      

      


      Initial
one-time ServicerConnect registration

      To
establish access and gain entry to a new Servicer library on ServicerConnect,
the Servicer must complete the following one-time registration on the
website:

      
        	
                 
      

              	
                ·

              	
                Have
      all users from the Servicer Company who will be uploading and/or
      downloading files register on www.ServicerConnect.com by
      creating a User Id, Password, and
Profile.

              


      

      
        	
                 
      

              	
                ·

              	
                The
      Servicer will be notified via e-mail once
  approved.

              


      

      


      ServicerConnect
support

      
        
          	
                   
      

                	
                  ·

                	
                  If the Servicer requires technical assistance with
      the performance of the site, or has password issues, please contact
      CTSLink customer service at ctslink.customerservice@wellsfargo.com.

                
	 	
                  · 

                	
                  
                    If
      the Servicer requires help using the site’s many functions, please refer
      to the “Help” page on the ServicerConnect webpage or contact
      ServicerConnect customer support at ServicerConnect@wellsfargo.com.

                  

                


        

      

      
        
        

      

      
        	
                 
      

              	
                ·

              	
                If
      the Servicer is experiencing problems with loan data, please contact the
      appropriate Wells Fargo representative listed in the "Contact Us" page of
      the ServicerConnect webpage.

              


      

      


      PERL
Scripting

      
        	
                 
      

              	
                ·

              	
                If
      there is an interest in an automated way to deliver files, a sample Perl
      script is available for the Servicer’s review and
      usage.  Customers may evaluate the script for usage and assume
      any risk associated with their decision to use it.  It is the
      customer’s responsibility to modify and test the script to ensure its
      effective use as well as the verification of complete and timely
      transmission.

              


      

      
        	
                 
      

              	
                ·

              	
                Request
      for a copy of the sample Perl script should be made to CTSLink customer
      service via email at ctslink.customerservice@wellsfargo.com.  Please
      include “Request for
      Example Perl Script” in the subject line of the
      email.  The email should identify “ServicerConnect” as the
      system the Servicer wishes to script and also include a contact name,
      phone number, individual email address and the ServicerConnect User
      ID.

              


      

      
         

          
            
              

            

          

          Page 3 of 13

           

          Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting
fees.

        

      

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Loss Claim Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      Maryland  21045

                    (410)
      884-2000

                  


          

        

      

      


      
        
          
            
              
                	
                        II.  Loss
      Claim Reporting
Requirements

                      


              

            

          

        

      

      


      Loss
Claim file reports delivered to Wells Fargo MUST meet the following requirements
in order to ensure Servicer files load successfully through automated load
processing:

      


      
        	
                 
      

              	
                1.

              	
                The
      file must have a standardized File Name (Refer to Section
    A)

              


      

      
        	
                 
      

              	
                ·

              	
                Either
      use the Wells Fargo standard or a static name (it must remain consistent
      each month)

              


      

      
        	
                 
      

              	
                2.

              	
                The
      file must be a CSV or XLS file

              


      

      
        	
                 
      

              	
                3.

              	
                The
      file must comply with Wells Fargo standard requirements (Refer to Section
      C):

              


      

      
        	
                 
      

              	
                ·

              	
                Must
      not be zipped

              


      

      
        	
                 
      

              	
                ·

              	
                Must
      not be password protected

              


      

      
        	
                 
      

              	
                ·

              	
                Column
      names must be located on the first
line

              


      

      
        	
                 
      

              	
                ·

              	
                Loan
      level detail must be on the first sheet of a
  workbook

              


      

      
        	
                 
      

              	
                4.

              	
                Backup
      data files (.xls, .pdf or .doc)

              


      

      
        	
                 
      

              	
                ·

              	
                May
      contain HUD, History, Amortization Schedule,
  etc.

              


      

      
        	
                 
      

              	
                ·

              	
                Must
      have static file name

              


      

      


      
        
          
            	
                    A.
      Standard File Naming Convention
Requirements

                  


          

        

      

      


      Wells
Fargo requires a static Servicer file name that does not include special
characters and cannot be greater than 30 characters. Delivering a consistent
static file name from month to month will ensure the Servicer file will be
recognized.

      


      Example
of an assigned Loss Claim file name: LC+ServicerID+SeqNbr
(LC1234001)

      Example
of an assigned Backup Data file name:  LoanNbr+CycleMMYY+desc
(12340508HUD)

      


      If the
Servicer file name delivered is not recognized to match the static file name
established by the Servicer, the Servicer file will not automatically load
through the Wells Fargo System.  The time required to process the
Servicer file may also increase.

      


      If at any
time a Servicer file name needs to be created or the file naming convention
needs to be changed, please contact Cathy Rose at Mary.C.Rose@wellsfargo.com.
Please include “New file naming convention” in the subject line of the
email.

      


      
        
          	
                  B.
      Standard File Format
Requirements

                


        

      

      


      The
Servicer may choose to send the Servicer file in one of the following two
formats:

      


      
        	
                 
      

              	
                1.

              	
                CSV

              


      

      
        	
                 
      

              	
                2.

              	
                Excel
      (XLS)  Note: Excel 2007 format (XLSX) is currently not
      supported.

              


      

      
        
           

          
            

          

        

        Page 4 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      


      
        
          	
                  C.
      Standard File Layout
Requirements

                


        

      

       

      Standard
File Layout Requirements must adhere to the following:

      
        	
                 
      

              	
                ·

              	
                Must
      not be zipped

              


      

      
        	
                 
      

              	
                ·

              	
                Must
      not be password protected

              


      

      
        	
                 
      

              	
                ·

              	
                Column
      names must be located on the first
line

              


      

      
        	
                 
      

              	
                ·

              	
                Loan
      level detail must be on the first sheet of a
  workbook.

              


      

       

      Please
ensure that the standard Loss Claim file layout requirements are met each month.
Refer to Exhibit 1 for the Standard Loss Claim File Layout.

       

      If the
Servicer is new to Wells Fargo Bank, N.A., Wells Fargo highly recommends the
Servicer submit a test file layout before delivering files to ensure compliance
with the requirements. To submit a test file or request an Excel template,
contact Cathy Rose at Mary.C.Rose@wellsfargo.com.

      


      
        
          	
                  D.  Realized
      Loss/Gain

                


        

      

      


      Submission
of claims for a realized loss/gain

      Wells
Fargo Bank, N.A. requires the use of a standard format for the calculation of
any loss/gain as a result of a liquidated mortgage loan. Please refer to Exhibit
3 in this package
for the Calculation of Realized Loss/Gain Form 332 and instructions. Keep in
mind that all supporting documentation must be included with the
form.

      


      Distribution

      The
Servicer should prepare Form 332 in duplicate and send the original, along with
the appropriate supporting documentation, to Wells Fargo Bank, N.A.’s Default
Administration Department. The loan must be reported as liquidated on the
Mortgage Loan Activity Report. Please ensure that all claims are submitted in
accordance with the applicable Servicing Agreement/Guide.

      


      Due
Date

      The form
must be submitted to Wells Fargo Bank, N.A. no later than the tenth (10th) calendar day of the month
after the Mortgage Loan has been liquidated.

      
        
           

          
            

          

        

        Page 5 of 13

         

      

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      


      
        
          	
                  E.
      Transfer of Servicing
Requirements

                


        

      

      


      If the
Servicer is considering a transfer of servicing requirements, please contact
Wells Fargo’s Mortgage Backed Servicer Oversight Team via e-mail at SCTServicerComplianceTeam@wellsfargo.com.
The Servicer must let us know at least 30 days prior to the transfer date in
order for the Servicer Wells Fargo representative to assist the Servicer with
this process.

       

      Keep in
mind that a complete transfer/merger or acquisition may include the following
changes or requirements:

       

      
        	
                 
      

              	
                ·

              	
                A
      reassigned file name for reporting
purposes

              


      

      
        	
                 
      

              	
                ·

              	
                A
      change in the Servicer method of
reporting

              


      

      
        	
                 
      

              	
                ·

              	
                A
      new ServicerConnect Library

              


      

      
        	
                 
      

              	
                ·

              	
                A complete Servicer Eligibility
      Process (Only for New Servicers reporting to Wells
      Fargo)

              


      

      


      Transfer
Roles

      The “TO” Servicer is the Servicer
receiving the loans.

      The “FROM” Servicer is the
Servicer who is transferring the loans.

      
        
           

          
            

          

        

        Page 6 of
13


      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      


      Exhibit
1: Standard Loss Claim File Layout

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        	 	
                                                                                Column
      Name

                                                                              	 
      	
                                                                                Description

                                                                              	 
      	
                                                                                Decimal

                                                                              	 
      	
                                                                                Format Comment

                                                                              	 
      	
                                                                                Max
      

                                                                                Size

                                                                              
	 	
                                                                                SERVICER_LOAN_NBR

                                                                              	 
      	
                                                                                A
      unique number assigned to a loan by the Servicer.  This may be
      different than the Loan_NBR

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                10

                                                                              
	 	
                                                                                LOAN_NBR

                                                                              	 
      	
                                                                                A
      unique number assigned to each loan  by the
    Investor

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                10

                                                                              
	 	
                                                                                SER_INVESTOR_NBR

                                                                              	 
      	
                                                                                A
      value assigned by the Servicer to define a group of loans

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                20

                                                                              
	 	
                                                                                BORR_LAST_NAME

                                                                              	 
      	
                                                                                Borrower
      last name

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                20

                                                                              
	 	
                                                                                PROP_ADDR_1

                                                                              	 
      	
                                                                                Street
      name and number of property

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                30

                                                                              
	 	
                                                                                PROP_STATE

                                                                              	 
      	
                                                                                The
      state where the property is located

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                2

                                                                              
	 	
                                                                                PROP_ZIP

                                                                              	 
      	
                                                                                The
      Zip code where the property is located

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                10

                                                                              
	 	
                                                                                LIEN_POSITION

                                                                              	 
      	
                                                                                The
      loan a 1st
      or 2nd
      lien

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                20

                                                                              
	 	
                                                                                LOSS_TYPE_CODE

                                                                              	 
      	
                                                                                Type
      of loss claims (i.e. REO, Charge Off, Short Sale, and Third
      Party)

                                                                              	 
      	 
      	 
      	
                                                                                Alphanumeric

                                                                              	 
      	
                                                                                30

                                                                              
	 	
                                                                                SENIOR_LIEN_BAL

                                                                              	 
      	
                                                                                The
      balance of the first lien

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                MOST_RECENT_VALUE

                                                                              	 
      	
                                                                                The
      current "As Is" value of the property based on a BPO and/or
      Appraisal

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                VALUE_DATE

                                                                              	 
      	
                                                                                The
      date of the BPO and/or Appraisal was completed

                                                                              	 
      	 
      	 
      	
                                                                                Date
      format mm/dd/yyyy

                                                                              	 
      	
                                                                                10

                                                                              
	 	
                                                                                LIQUIDATION_DATE

                                                                              	 
      	
                                                                                The
      date loan was liquidated

                                                                              	 
      	 
      	 
      	
                                                                                Date
      format mm/dd/yyyy

                                                                              	 
      	
                                                                                10

                                                                              
	 	
                                                                                SALE_PRICE

                                                                              	 
      	
                                                                                The
      final sale price of the property

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                UNPAID_PRIN_BAL

                                                                              	 
      	
                                                                                The
      borrower's actual principal balance at the end of the current processing
      cycle

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                INTEREST_ADVANCED

                                                                              	 
      	
                                                                                Interest
      advanced at Net Rate

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                SERV_FEES

                                                                              	 
      	
                                                                                Accrued
      Servicing Fees

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                ESCROW_ADV_EXP

                                                                              	 
      	
                                                                                Escrow
      advance expense

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                ATTORNEY_FEES

                                                                              	 
      	
                                                                                Total
      Attorney fees advanced by the Servicer to be recovered

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                ATTORNEY_COST

                                                                              	 
      	
                                                                                Total
      Attorney cost advanced by the Servicer to be recovered

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                PROPERTY_TAXES

                                                                              	 
      	
                                                                                Real
      property taxes advances by the Servicer to be recovered

                                                                              	 
      	
                                                                                2

                                                                              	 
      	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	 
      	
                                                                                11

                                                                              
	 	
                                                                                PROPERTY_MAINTENANCE

                                                                              	
                                                                                  

                                                                              	
                                                                                Any
      type of property maintenance such as, lawn care, trash out, snow removal,
      etc...

                                                                              	
                                                                                  

                                                                              	
                                                                                2

                                                                              	
                                                                                  

                                                                              	
                                                                                Numeric

                                                                                (xxxxxxxxx.xx)

                                                                              	
                                                                                  

                                                                              	
                                                                                11

                                                                              


                                                                      

                                                                    

                                                                  

                                                                

                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      
 

      
        
          
            

          

        

        Page 7 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      


      
        
          
            
              
                
                  
                    
                      
                        	 	
                                Column
      Name

                              	 
      	
                                Description

                              	 
      	
                                Decimal

                              	 
      	
                                Format Comment

                              	 
      	
                                Max
      

                                Size

                              
	 	
                                INS_PREM_EXP

                              	 
      	
                                Advances
      paid of the Servicer for any type of Insurance, such as PMI, Hazard,
      etc...

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                UTILITY

                              	 
      	
                                Utilities
      advanced by the Servicer such as Electric, Heat, etc...

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                APPRAISAL_BPO_EXP

                              	 
      	
                                 Cost
      advanced by the Servicer for Appraisal and/or BPO expenses

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                PROP_INSP_EXP

                              	 
      	
                                Cost
      advanced by the Servicer for Property Inspection expenses

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                MISC_EXP

                              	 
      	
                                Misc.
      expenses advanced by the Servicer that does not fit into any other
      category, with comment in comment field; May include legal cost or any
      additional legal fee outside of foreclosure process.

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                CORP_ADV_EXP

                              	 
      	
                                Only
      use if other line items fields are not populated for total corporate
      advances paid by the Servicer

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                PRE_SECUR_SERV_ADV_EXP

                              	 
      	
                                Interest
      advances by the Servicer prior to the securitization of the
      deal.

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                TOT_EXP

                              	 
      	
                                Total
      of all expenses paid (lines J thru Y).

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                ESCROW_BAL

                              	 
      	
                                Escrow
      balance at the time of default

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                RENTAL_RECPT

                              	 
      	
                                Rental
      receipts collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                HAZARD_LOSS

                              	 
      	
                                Hazard
      loss proceeds collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                MI_CLAIMS

                              	 
      	
                                Primary
      claim proceeds collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                POOL_CLAIM_PRCDS_AMT

                              	 
      	
                                Pool
      claim proceeds collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                SALE_PROCEEDS

                              	 
      	
                                Sale
      proceeds from HUD1

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                TAX_REFUND

                              	 
      	
                                Tax
      refunds collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                INSURANCE_REFUNDS

                              	 
      	
                                Insurance
      refunds collected

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                RECOVERED_PREVIOUS_NON_

                                RECOVERABLES

                              	 
      	
                                Dollar
      Amount  of servicer advances recovered prior to liquidation of
      asset

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                MISC_CR

                              	 
      	
                                Any
      credit that does not have a line item on the loss claim
      spreadsheet

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                TOTAL_CR

                              	 
      	
                                Sum
      of total credits

                              	 
      	
                                2

                              	 
      	
                                Numeric

                                (xxxxxxxxx.xx)

                              	 
      	
                                11

                              
	 	
                                TOTAL_LOSS_AMT

                              	
                                  

                              	
                                Total
      loss/gain amount (Expenses – Credits = Amount of
loss/gain)

                              	
                                  

                              	
                                2

                              	
                                  

                              	
                                Numeric

                                (xxxxxxxxx.xx)

                              	
                                  

                              	
                                11

                              


                      

                    

                  

                

              

            

          

        

      

      


      
        
          
            

          

        

        Page 8 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

       

      Exhibit
2:  Loan Level Loss File Supporting Documentation
Requirements

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      	 	
                                                              Type of
      Loss

                                                            	 	
                                                              Document(s)
      Detail / Conditions

                                                            	
                                                              HUD1

                                                            	
                                                              P&L
      Analysis

                                                            	
                                                              Proceeds
      Check

                                                            	
                                                              FC
      Bidding Instructions

                                                            	
                                                              MI
      Claim(s)

                                                            	
                                                              MI
      Explanation of Benefits

                                                            	
                                                              Corporate
      & Escrow Histories

                                                              (after
      the Date of Default)

                                                            	
                                                              Invoices
      for atty fees

                                                              If
      amt > $1K over FNMA state allowable

                                                            	
                                                              Property
      Preservation Invoices:

                                                              If
      UPB < $150K & Invoices > $5K

                                                               OR

                                                              If
      UPB >$150K & Invoices > $10K

                                                            	
                                                              Copy
      of BPO

                                                              (if
      loss > $250K)

                                                            
	 	
                                                              REO
      Sale

                                                            	 	
                                                              If
      it is a “negative closing,” ensure amount is included in MISC_EXP column
      on loan level loss file.

                                                            	
                                                              X

                                                            	 
      	 
      	 
      	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              Third
      Party Sale

                                                            	 	
                                                              FC
      bidding instructions, total debt breakdown (if bid = total debt only), and
      proceeds check.  For gains, excess proceeds to borrower or third
      party must be included in MISC_EXP field and claim net to
      zero.

                                                            	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              Short
      Sale

                                                            	 	
                                                              HUD1
      and P&L Analysis

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	 
      	 
      	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              1st
      Lien Chargeoff

                                                            	 	
                                                              P&L
      Analysis and recent BPO

                                                            	 
      	
                                                              X

                                                            	 
      	 
      	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              2nd
      Lien Chargeoff

                                                            	 	
                                                              P&L
      Analysis.  No additional backup required unless
      requested.

                                                            	 
      	
                                                              X

                                                            	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      
	 	
                                                              Redemption

                                                            	 	
                                                              FC
      bidding instructions, total debt breakdown (if bid = total debt only), and
      proceeds check.

                                                            	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              Investor
      Sale

                                                            	 	
                                                              Property
      is sold without HUD1 to an Investor.  Provide copy of invoice
      listing property with the sales amount and the most recent
      BPO.

                                                            	 
      	 
      	
                                                              X

                                                            	 
      	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            	
                                                              X

                                                            
	 	
                                                              MI
      Coverage Exists

                                                            	 	
                                                               If
      MI coverage is rescinded, provide copy of the MI recession
      letter.

                                                            	 
      	 
      	 
      	 
      	
                                                              X

                                                            	
                                                              X

                                                            	 
      	 
      	 
      	 
      


                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      
 

      
        
          
            

          

        

        Page 9 of
13

      

       


      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      
         

      

      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          	
                                                  Type
      of Loss

                                                	 	
                                                  Document(s)
      Detail / Conditions

                                                	
                                                   HUDI

                                                	
                                                  P&L
      Analysis

                                                	
                                                  Proceeds
      Check

                                                	
                                                  FC
      Bidding Instructions

                                                	
                                                  MI
      Claim(s)

                                                	
                                                  MI
      Explanation of Benefits

                                                	
                                                  Corporate
      & Escrow Histories

                                                  (after
      the Date of Default)

                                                	
                                                  Invoices
      for atty fees

                                                  If
      amt > $1K over FNMA state allowable

                                                	
                                                  Property
      Preservation Invoices:

                                                  If
      UPB < $150K & Invoices > $5K

                                                   OR

                                                  If
      UPB >$150K & Invoices > $10K

                                                	
                                                  Copy
      of BPO

                                                  (if
      loss > $250K)

                                                
	
                                                   Trailing
      / 

                                                   Supplemental
      Items

                                                	 	
                                                  If
      the supplemental item is a normal trailing expense/credit and is not in
      response to an initial claim curtailment, no additional supporting
      documentation is required unless requested

                                                	 	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      
	 	
                                                  If
      the supplemental item is due to an initial claim curtailment, provide
      backup to support amount curtailment in prior month.  Note: Only
      report items on file being sent for resubmission

                                                	 	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      	 
      


                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      
 

      
        
          
            

          

        

        Page 10 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

      


      Exhibit
3:  Calculation of Realized Loss/Gain Form 332 –
Instructions

      


      NOTE:
Loans are expected to be reported for liquidation in the month following
Servicer receipt of final proceeds. For loans underlying Securities, Claims for
Loss must be received within 90 days of Expected Liquidation Date for
reimbursement consideration. For Whole Loan deals and / or Warehouse loans,
claims must be submitted in the same month that loans are reported for
liquidation. Claim packages must be received on or before the remittance report
date for consideration in a given month. Claims received after the remittance
report date may result in gain/loss not being passed until the following month.
The Servicer is responsible to remit all funds pending loss approval and /or
resolution of any disputed items. Do not net or combine items. Show all expenses
individually and all credits as separate line items.The numbers on Form 332
correspond with the numbers listed below.

      


      Liquidation and Acquisition
Expenses

      


      1. The
Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an
Amortization Schedule from date of default through liquidation breaking out the
net interest and servicing fees advanced is required.

       

      2. The
Total Interest Due less the aggregate amount of servicing fee that would have
been earned if all delinquent payments had been made as agreed. For
documentation, an Amortization Schedule from date of default through liquidation
breaking out the net interest and servicing fees advanced is
required.

       

      3.
Accrued Servicing Fees based upon the Scheduled Principal Balance of the
Mortgage Loan as calculated on a monthly basis. For documentation, an
Amortization Schedule from date of default through liquidation breaking out the
net interest and servicing fees advanced is required.

       

      4-12.
Complete as applicable. Required documentation:

      * For
taxes and insurance advances – see page 2 of 332

      * For
taxes and insurance advances – see page 2 of 332 form - breakdown required
showing period of coverage, base tax, interest, penalty. Advances prior to
default require evidence of servicer efforts to recover advances.

      * For
escrow advances - complete payment history

      (to
calculate advances from last positive escrow balance forward)

      * Other
expenses - copies of corporate advance history showing all payments

      * REO
repairs > $1500 require explanation

      * REO
repairs >$3000 require evidence of at least 2 bids.

      * Short
Sale or Charge Off require a Profit and Loss Analysis supporting the decision
and WFB’s approved Officer Certificate. Additionally, if the lien is released on
a charge off, an explanation is required.

      * Unusual
or extraordinary items may require further documentation.

       

      13. The
total of lines 1 through 12.

       

      Credits

       

      14-21.
Complete as applicable. Required documentation:

       

      * Copy of
the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow
Agent / Attorney Letter of Proceeds Breakdown.

      * Copy of
EOB for any MI or gov't guarantee

      * All
other credits need to be clearly defined on the 332 form

       

      22. The
total of lines 14 through 21.

       

      Please Note: For
HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b) for Part
B/Supplemental proceeds.

      


      Total Realized Loss (or
Amount of Any Gain)

      23. The
total derived from subtracting line 22 from 13. If the amount represents a
realized gain, show the amount in parenthesis ( ).

       

      Note:
Loss Severity% should be calculated by dividing the Total Realized Loss or Gain
by the UPB at time of liquidation.

       

      
        
          
            

          

        

        Page 11 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

      


      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

       

      Exhibit
3:  Calculation of Realized Loss/Gain Form 332

      


      
        
          
            	
                    Prepared
      by:  __________________

                  	 
      	
                    Date:  _______________

                  
	
                    Phone:  ______________________

                  	
                      

                  	
                    Email
      Address:_____________________

                  


          

        

      

      


      
        
          
            
              
                	
                          Servicer
      Loan No.

                         

                      	 
      	
                          Servicer
      Name

                         

                      	 
      	
                          Servicer
      Address

                         

                         

                      


              

            

          

        

      

       

      Wells Fargo Bank Loan
Number_____________________________

      Borrower's
Name: _________________________________________________________

      Property
Address: _________________________________________________________

       

      
        
          
            
              	
                      Liquidation
      Type (circle):

                    	
                      REO
      Sale

                    	
                      3rd
      Party Sale

                    	
                      Short
      Sale

                    	
                      Charge
      Off

                    


            

          

        

      

       

      Most
Recent Value ____________ Value Date ______________ Sale Price
________________

       

      
        
          
            	
                    If
      Charge Off – Was lien released?

                  	
                    Yes

                  	
                    No

                  


          

        

      

       

      Liquidation
and Acquisition Expenses:

      
        
          
            	
                    (1)
      Actual Unpaid Principal Balance of Mortgage Loan

                  	 
      	
                    $_______________
      (1)

                  
	
                    (2)
      Interest accrued at Net Rate

                  	 
      	
                    ________________
      (2)

                  
	
                    (3)
      Accrued Servicing Fees

                  	 
      	
                    ________________
      (3)

                  
	
                    (4)
      Attorney's Fees

                  	 
      	
                    ________________
      (4)

                  
	
                    (5)
      Taxes (see page 2)

                  	 
      	
                    ________________
      (5)

                  
	
                    (6)
      Property Maintenance

                  	 
      	
                     ________________(6)

                  
	
                    (7)
      MI/Hazard Insurance Premiums (see page 2)

                  	 
      	
                    ________________
      (7)

                  
	
                    (8)
      Utility Expenses

                  	 
      	
                    ________________
      (8)

                  
	
                    (9)
      Appraisal/BPO

                  	 
      	
                    ________________
      (9)

                  
	
                    (10)
      Property Inspections

                  	 
      	
                    ________________
      (10)

                  
	
                    (11)
      FC Costs/Other Legal Expenses

                  	 
      	
                    ________________
      (11)

                  
	
                    (12)
      Other (itemize)

                  	 
      	
                    ________________
      (12)

                  
	
                    Cash
      for Keys__________________________

                  	 
      	
                    ________________
      (12)

                  
	
                    HOA/Condo
      Fees_______________________

                  	 
      	
                    ________________
      (12)

                  
	
                    ______________________________________

                  	 
      	
                    ________________
      (12)

                  
	
                    Total
      Expenses

                  	 
      	
                    $
      _______________(13)

                  
	
                    Credits:

                  	 
      	 
      
	
                    (14)
      Escrow Balance

                  	 
      	
                    $
      _______________(14)

                  
	
                    (15)
      HIP Refund

                  	 
      	
                    ________________
      (15)

                  
	
                    (16)
      Rental Receipts

                  	 
      	
                    ________________
      (16)

                  
	
                    (17)
      Hazard Loss Proceeds

                  	 
      	
                    ________________
      (17)

                  
	
                    (18)
      Primary Mortgage Insurance / Gov’t Insurance

                  	 
      	
                    ________________
      (18a) HUD Part A

                  
	 
      	 
      	
                    ________________
      (18b) HUD Part B

                  
	
                    (19)
      Pool Insurance Proceeds

                  	 
      	
                    ________________
      (19)

                  
	
                    (20)
      Proceeds from Sale of Acquired Property

                  	 
      	
                    ________________
      (20)

                  
	
                    (21)
      Other (itemize)

                  	 
      	
                    ________________
      (21)

                  
	
                    Total
      Credits

                  	 
      	
                    $_______________
      (22)

                  
	
                    Total
      Realized Loss (or Amount of Gain)

                  	 
      	
                    $_______________
      (23)

                  
	
                    Loss
      Severity [Total Realized Loss or Gain / UPB]

                  	 
      	
                    ______________
      % (24)

                  


          

        

      

      
 

      
        
          
            

          

        

        Page 12 of
13

      

       

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: Mary.C.Rose@wellsfargo.com

      ©
Copyright Wells Fargo Bank, Corporate Trust Services


      
        
           


        

        
           


          
            

          

        

        
           


        

      

    

     

    
      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Loss Claim Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000

                


        

      

    

     

    Exhibit 3:  Calculation of
Realized Loss/Gain Form 332 (continued)

    


    
      Escrow
Disbursement Detail

    

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              
                                                
                                                  
                                                    
                                                      
                                                        
                                                          
                                                            
                                                              
                                                                
                                                                  
                                                                    
                                                                      
                                                                        
                                                                          
                                                                            
                                                                              
                                                                                
                                                                                  
                                                                                    
                                                                                      
                                                                                        
                                                                                          	
                                                                                                  Type

                                                                                                  (Tax /Ins.)

                                                                                                	
                                                                                                  Date Paid

                                                                                                	
                                                                                                  Period of

                                                                                                  Coverage

                                                                                                	
                                                                                                  Total Paid

                                                                                                	
                                                                                                  Base

                                                                                                  Amount

                                                                                                	
                                                                                                  Penalties

                                                                                                	
                                                                                                  Interest

                                                                                                
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      
	
                                                                                                   

                                                                                                   

                                                                                                   
      

                                                                                                	 
      	 
      	 
      	 
      	 
      	 
      


                                                                                        

                                                                                      

                                                                                    

                                                                                  

                                                                                

                                                                              

                                                                            

                                                                          

                                                                        

                                                                      

                                                                    

                                                                  

                                                                

                                                              

                                                            

                                                          

                                                        

                                                      

                                                    

                                                  

                                                

                                              

                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

    
      


    

    
      
        

      

    

    Page 13 of 13

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: Mary.C.Rose@wellsfargo.com

    ©
Copyright Wells Fargo Bank, Corporate Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    

    


    Wells
Fargo Bank, N.A.

    Corporate
Trust Services

    


    


    Servicer
File Load Requirements

    for

    Delinquency
Reporting

    


    


    Effective
March 15, 2010

    


    
      
        

      

    

      

    ©
Copyright Wells Fargo Bank, Corporate Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    
    

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                
                  For
      Deliquency Reporting

                

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    
      
        
          
            	
                    General
      Information

                  


          

        

      

    

    


    Whether
the Servicer is new or existing to Wells Fargo, the Servicer must comply with
Wells Fargo’s standards for Delinquency Reporting. This package includes all the
information the Servicer needs to know in order to meet the reporting
requirements, including:

    


    
      
        	
                I.

              	
                 

              	
                File
      Delivery Requirements

              


      

    

    
      	
              II.

            	
               

            	
              Delinquency
      Reporting Requirements

            


    

    


    Timing

    Once the
Servicer begins monthly reporting, reporting must be done in a timely and consistent manner. Wells Fargo
recommends the Servicer take all necessary steps/actions to ensure that the
Servicer reports and electronic files are delivered successfully to Wells
Fargo’s Corporate Trust Services.  Servicer reports should be received
no later than the required report due date specified with the servicing
agreement. The Servicer shall deliver a complete and accurate file on or before
the reporting due date.  A report is considered late if it is
incomplete or not delivered by the reporting due date.

    


    Data
Integrity

    The
Servicer shall deliver an accurate, complete and valid file by the reporting due
date. The file format provided shall be consistent with the Delinquency
Reporting standard format and guidelines that are defined in this document, as
well as posted on the ServicerConnect website (www.ServicerConnect.com).

     

    Communication
of Reporting Changes

    If there
are any changes to the file requirements noted in the guidelines, Wells Fargo
will provide a 60-90 day advance notification on the ServicerConnect website,
prior to the effective date of the change.  The Servicer must make
every effort to comply with the standard format, the naming conventions, and
changes to the format that may be required.

     

    Note:

    These
reporting requirements are subject to change. For the Servicers’ convenience,
all current requirements are posted to the ServicerConnect website at www.ServicerConnect.com.

    
      
        


      

      
        
          

        

      

      Page 2 of 10

        

    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    
      
        
          
            	
                    I.  File
      Delivery
Requirements

                  


          

        

      

    

     

    ServicerConnect  —
the preferred method of delivery for secure transfer of monthly reporting
files

    To help
ensure the security of the data delivery, Wells Fargo offers the ServicerConnect  website
at www.ServicerConnect.com.
This site serves as Wells Fargo’s preferred method for file delivery for all
Servicers’ monthly reporting. The Servicer shall deliver monthly reports in
accordance with the Master Servicer’s preferred delivery method (currently via
the ServicerConnect website). Under no circumstances shall the Master Servicer
be responsible for obtaining the file from the Servicer’s website.

    


    ServicerConnect 
benefits

    
      	
               
      

            	
              ·

            	
              Provides
      24/7, round-the-clock access

            


    

    
      	
               
      

            	
              ·

            	
              Available
      free of charge

            


    

    
      	
               
      

            	
              ·

            	
              Allows
      for manual entry of loan level data, as well as uploading of loan level
      files/reports, summary and supplemental
files

            


    

    
      	
               
      

            	
              ·

            	
              Ensures
      a secure transfer of data using the industry standard’s Secure Socket
      Layer, 128-bit encryption. ServicerConnect
      satisfies the Privacy Act requirements for maintaining confidentiality of
      data.

            


    

    
      	
               
      

            	
              ·

            	
              Offers
      online help in navigating the site and using its various
      functions

            


    

    


    Initial
one-time ServicerConnect registration

    To
establish access and gain entry to a new Servicer library on ServicerConnect,
the Servicer must complete the following one-time registration on the
website:

    
      	
               
      

            	
              ·

            	
              Have
      all users from the Servicer Company who will be uploading and/or
      downloading files register on www.ServicerConnect.com by creating a User Id,
      Password, and Profile.

            


    

    
      	
               
      

            	
              ·

            	
              The
      Servicer will be notified via e-mail once
  approved.

            


    

    


    ServicerConnect
support

    
      	
               
      

            	
              ·

            	
              If
      the Servicer requires technical assistance with the performance of the
      site, or has password issues, please contact CTSLink customer service at
      ctslink.customerservice@wellsfargo.com.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Servicer requires help using the site’s many functions, please refer
      to the “Help” page on the ServicerConnect webpage
      or contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Servicer is experiencing problems with loan data, please contact the
      appropriate Wells Fargo representative listed in the "Contact Us" page of
      the ServicerConnect webpage.

            


    

    


    PERL
Scripting

    
      	
               
      

            	
              ·

            	
              If
      there is an interest in an automated way to deliver files, a sample Perl
      script is available for the Servicer’s review and
      usage.  Customers may evaluate the script for usage and assume
      any risk associated with their decision to use it.  It is the
      customer’s responsibility to modify and test the script to ensure its
      effective use as well as the verification of complete and timely
      transmission.

            


    

    
      	
               
      

            	
              ·

            	
              Request
      for a copy of the sample Perl script should be made to CTSLink customer
      service via email at ctslink.customerservice@wellsfargo.com.  Please
      include “Request for
      Example Perl Script” in the subject line of the
      email.  The email should identify “ServicerConnect” as the
      system the Servicer wishes to script and also include a contact name,
      phone number, individual email address and the ServicerConnect User
      ID.

            


    

    
      
        


      

      
        
          

        

      

      Page 3 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

     

    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Deliquency Reporting

                	
                  
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      Maryland  21045

                    (410)
      884-2000 (phone)

                    (410)
      884-2360 (fax)

                  

                


        

      

    

     

    
      
        
          
            	
                    II.  Delinquency
      Reporting
Requirements

                  


          

        

      

    

    


    Delinquency
file reports delivered to Wells Fargo MUST meet the following requirements in
order to ensure Servicer files load successfully through automated load
processing:

    


    
      	
               
      

            	
              1.

            	
              The
      file must have a standardized File Name (Refer to Section
    A)

            


    

    
      	
               
      

            	
              ·

            	
              Either
      use the Wells Fargo standard or a static name (it must remain consistent
      each month)

            


    

    
      	
               
      

            	
              2.

            	
              The
      file must be a CSV or XLS file

            


    

    
      	
               
      

            	
              3.

            	
              The
      file must comply with Wells Fargo standard requirements (Refer to Section
      C):

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook

            


    

    


    
      
        
          	
                  A.
      Standard File Naming Convention
Requirements

                


        

      

    

    


    Wells
Fargo requires a static Servicer file name that does not include special
characters and cannot be greater than 30 characters. Delivering a consistent
static file name from month to month will ensure the Servicer file will be
recognized.

    


    Once the
Servicer establishes the static file name, Wells Fargo will create a cross
reference of the Servicer file name with an internal Wells Fargo file
name.

    


    If the
Servicer file name delivered is not recognized to match the static file name
established by the Servicer, the Servicer file will not automatically load
through the Wells Fargo System.  The time required to process the
Servicer file may also increase.

    


    If at any
time a Servicer file name needs to be created or the file naming convention
needs to be changed, please contact ServicerConnect customer support at ServicerConnect@wellsfargo.com
- as it is critical to the recognition of the file.

    


    
      
        
          	
                  B.
      Standard File Format
Requirements

                


        

      

    

    


    The
Servicer may choose to send the Servicer file in one of the following two
formats:

    


    
      	
               
      

            	
              1.

            	
              CSV

            


    

    
      	
               
      

            	
              2.

            	
              Excel
      (XLS)  Note: Excel 2007 format (XLSX) is currently not
      supported.

            


    

    
      
        


      

      
        
          

        

      

      Page 4 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    
      
        
          	
                  C.
      Standard File Layout
Requirements

                


        

      

    

     

    Standard
File Layout Requirements must adhere to the following:

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook.

            


    

     

    Please
ensure that the standard Delinquency file layout requirements are met each
month. Refer to Exhibit 1 for the Standard Delinquency File Layout.

     

    If the
Servicer is new to Wells Fargo Bank, N.A., Wells Fargo highly recommends the
Servicer submit a test file layout before delivering files to ensure compliance
with the requirements. To submit a test file or request an Excel template,
contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    
      
        
          	
                  D.  Standard
      Status Codes

                


        

      

    

    


    Refer to
Exhibit 2 for a list of the approved status codes used to communicate the status
and/or reason for the default.

    


    
      
        
          	
                  E.
      Transfer of Servicing
Requirements

                


        

      

    

    


    If the
Servicer is considering a transfer of servicing requirements, please contact
Wells Fargo’s Mortgage Backed Servicer Oversight Team via e-mail at SCTServicerComplianceTeam@wellsfargo.com. The Servicer must let us
know at least 30 days prior to the transfer date in order for the Servicer Wells
Fargo representative to assist the Servicer with this process.

     

    Keep in
mind that a complete transfer/merger or acquisition may include the following
changes or
requirements:

     

    
      
        	
              	
                · 

              	
                A
      reassigned file name for reporting
purposes

              


      

    

    
      
        	
              	
                · 

              	
                A
      change in the Servicer method of
reporting

              


      

    

    
      
        	
              	
                · 

              	
                A
      new ServicerConnect Library

              


      

    

    
      
        	
              	
                · 

              	
                A complete Servicer Eligibility
      Process (Only for New Servicers reporting to Wells
      Fargo)

              


      

    

     

    Transfer
Roles

    The “TO” Servicer is the Servicer
receiving the loans.

    The “FROM” Servicer is the
Servicer who is transferring the loans.

    
      
        


      

      
        
          

        

      

      Page 5 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    Exhibit
1: Standard Delinquency File Layout

    


    Note: The column/header names
in bold are the minimum
fields Wells Fargo must receive from every Servicer.

    


    
      
        
          
            
              
                
                  
                    
                      	
                              Column Name

                            	 	
                              Description

                            	
                              Decimal

                            	
                              Format

                              Comment

                            
	
                              SERVICER_LOAN_NBR

                            	 	
                              A
      unique number assigned to a loan by the Servicer.  This may be
      different than the LOAN_NBR

                            	 
      	 
      
	
                              LOAN_NBR

                            	 	
                              A
      unique identifier assigned to each loan by the originator.

                            	 
      	 
      
	
                              CLIENT_NBR

                            	 	
                              Servicer
      Client Number

                            	 
      	 
      
	
                              SERV_INVESTOR_NBR

                            	 	
                              Contains
      a unique number as assigned by an external servicer to identify a group of
      loans in their system.

                            	 
      	 
      
	
                              BORROWER_FIRST_NAME

                            	 	
                              First
      Name of the Borrower.

                            	 
      	 
      
	
                              BORROWER_LAST_NAME

                            	 	
                              Last
      name of the borrower.

                            	 
      	 
      
	
                              PROP_ADDRESS

                            	 	
                              Street
      Name and Number of Property

                            	 
      	 
      
	
                              PROP_STATE

                            	 	
                              The
      state where the  property located.

                            	 
      	 
      
	
                              PROP_ZIP

                            	 	
                              Zip
      code where the property is located.

                            	 
      	 
      
	
                              BORR_NEXT_PAY_DUE_DATE

                            	 	
                              The
      date that the borrower's next payment is due to the servicer at the end of
      processing cycle, as reported by Servicer.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              LOAN_TYPE

                            	 	
                              Loan
      Type (i.e. FHA, VA, Conv)

                            	 
      	 
      
	
                              BANKRUPTCY_FILED_DATE

                            	 	
                              The
      date a particular bankruptcy claim was filed.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              BANKRUPTCY_CHAPTER_CODE

                            	 	
                              The
      chapter under which the bankruptcy was filed.

                            	 
      	 
      
	
                              BANKRUPTCY_CASE_NBR

                            	 	
                              The
      case number assigned by the court to the bankruptcy
filing.

                            	 
      	 
      
	
                              POST_PETITION_DUE_DATE

                            	 	
                              The
      payment due date once the bankruptcy has been approved by the
      courts

                            	 
      	
                              MM/DD/YYYY

                            
	
                              BANKRUPTCY_DCHRG_DISM_DATE

                            	 	
                              The
      Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged
      and/or a Motion For Relief Was Granted.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              LOSS_MIT_APPR_DATE

                            	 	
                              The
      Date The Loss Mitigation Was Approved By The Servicer

                            	 
      	
                              MM/DD/YYYY

                            
	
                              LOSS_MIT_TYPE

                            	 	
                              The
      Type Of Loss Mitigation Approved For A Loan Such As;

                            	 
      	 
      
	
                              LOSS_MIT_EST_COMP_DATE

                            	 	
                              The
      Date The Loss Mitigation /Plan Is Scheduled To End/Close

                            	 
      	
                              MM/DD/YYYY

                            
	
                              LOSS_MIT_ACT_COMP_DATE

                            	 	
                              The
      Date The Loss Mitigation Is Actually Completed

                            	 
      	
                              MM/DD/YYYY

                            
	
                              FRCLSR_APPROVED_DATE

                            	 	
                              The
      date DA Admin sends a letter to the servicer with instructions to begin
      foreclosure proceedings.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              ATTORNEY_REFERRAL_DATE

                            	 	
                              Date
      File Was Referred To Attorney to Pursue Foreclosure

                            	 
      	
                              MM/DD/YYYY

                            
	
                              FIRST_LEGAL_DATE

                            	 	
                              Notice
      of 1st legal filed by an Attorney in a Foreclosure Action

                            	 
      	
                              MM/DD/YYYY

                            
	
                              FRCLSR_SALE_EXPECTED_DATE

                            	 	
                              The
      date by which a foreclosure sale is expected to occur.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              FRCLSR_SALE_DATE

                            	 	
                              The
      actual date of the foreclosure sale.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              FRCLSR_SALE_AMT

                            	 	
                              The
      amount a property sold for at the foreclosure sale.

                            	
                              2

                            	
                              No
      commas(,) or

                              dollar
      signs ($)

                            
	
                              EVICTION_START_DATE

                            	 	
                              The
      date the servicer initiates eviction of the borrower.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              EVICTION_COMPLETED_DATE

                            	 	
                              The
      date the court revokes legal possession of the property from the
      borrower.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              LIST_PRICE

                            	 	
                              The
      price at which an REO property is marketed.

                            	
                              2

                            	
                              No
      commas(,) or

                              dollar
      signs ($)

                            
	
                              LIST_DATE

                            	 	
                              The
      date an REO property is listed at a particular price.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              OFFER_AMT

                            	 	
                              The
      dollar value of an offer for an REO property.

                            	
                              2

                            	
                              No
      commas(,) or

                              dollar
      signs ($)

                            
	
                              OFFER_DATE_TIME

                            	 	
                              The
      date an offer is received by DA Admin or by the Servicer.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              REO_CLOSING_DATE

                            	 	
                              The
      date the REO sale of the property is scheduled to close.

                            	 
      	
                              MM/DD/YYYY

                            
	
                              OCCUPANT_CODE

                            	 	
                              Classification
      of how the property is occupied.

                            	 
      	 
      


                    

                  

                

              

            

          

        

      

    

    
      
        


      

      
        
          

        

      

      Page 6 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

    
 

    
      
        
          
            
              
                
                  
                    
                      
                        	
                                Column Name

                              	 	
                                Description

                              	
                                Decimal

                              	
                                Format

                                Comment

                              
	
                                PROP_CONDITION_CODE

                              	 	
                                A
      code that indicates the condition of the property.

                              	 
      	 
      
	
                                PROP_INSPECTION_DATE

                              	 	
                                The
      date a  property inspection is performed.

                              	 
      	
                                MM/DD/YYYY

                              
	
                                APPRAISAL_DATE

                              	 	
                                The
      date the appraisal was done.

                              	 
      	
                                MM/DD/YYYY

                              
	
                                CURR_PROP_VAL

                              	 	
                                The current "as is" value of the
      property based on brokers price opinion or
    appraisal.

                              	
                                2

                              	 
      
	
                                REPAIRED_PROP_VAL

                              	 	
                                The
      amount the property would be worth if repairs are completed pursuant to a
      broker's price opinion or appraisal.

                              	
                                2

                              	 
      
	
                                ACTION_CODE

                              	 	
                                The
      action the loan is currently in:  15 (Bankruptcy) , 30
      (Foreclosure), 70 (REO), 20 (Loss Mitigation), and 0 (No
      Action)

                              	
                                2

                              	 
      
	
                                If
    applicable:

                              	 	 
      	 
      	 
      
	
                                DELINQ_STATUS_CODE

                              	 	
                                FNMA
      Code Describing Status of Loan.  Required for MPF and
      MPFXtra.

                              	 
      	 
      
	
                                DELINQ_REASON_CODE

                              	 	
                                The
      circumstances which caused a borrower to stop paying on a
      loan.   Code indicates the reason why the loan is in
      default for this cycle.  Required for MPF and
      MPFXtra.

                              	 
      	 
      
	
                                MI_CLAIM_FILED_DATE

                              	 	
                                Date
      Mortgage Insurance Claim Was Filed With Mortgage Insurance
      Company.

                              	 
      	
                                MM/DD/YYYY

                              
	
                                MI_CLAIM_AMT

                              	 	
                                Amount
      of Mortgage Insurance Claim Filed

                              	 
      	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                MI_CLAIM_PAID_DATE

                              	 	
                                Date
      Mortgage Insurance Company Disbursed Claim Payment

                              	 
      	
                                MM/DD/YYYY

                              
	
                                MI_CLAIM_AMT_PAID

                              	 	
                                Amount
      Mortgage Insurance Company Paid On Claim

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                POOL_CLAIM_FILED_DATE

                              	 	
                                Date
      Claim Was Filed With Pool Insurance Company

                              	 
      	
                                MM/DD/YYYY

                              
	
                                POOL_CLAIM_AMT

                              	 	
                                Amount
      of Claim Filed With Pool Insurance Company

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                POOL_CLAIM_PAID_DATE

                              	 	
                                Date
      Claim Was Settled and The Check Was Issued By The Pool
    Insurer

                              	 
      	
                                MM/DD/YYYY

                              
	
                                POOL_CLAIM_AMT_PAID

                              	 	
                                Amount
      Paid On Claim By Pool Insurance Company

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                FHA_PART_A_CLAIM_FILED_DATE

                              	 	
                                Date
      FHA Part A Claim Was Filed With HUD

                              	 
      	
                                MM/DD/YYYY

                              
	
                                FHA_PART_A_CLAIM_AMT

                              	 	
                                Amount
      of FHA Part A Claim Filed

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                FHA_PART_A_CLAIM_PAID_DATE

                              	 	
                                Date
      HUD Disbursed Part A Claim Payment

                              	 
      	
                                MM/DD/YYYY

                              
	
                                FHA_PART_A_CLAIM_PAID_AMT

                              	 	
                                Amount
      HUD Paid on Part A Claim

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                FHA_PART_B_CLAIM_FILED_DATE

                              	 	
                                Date
      FHA Part B Claim Was Filed With HUD

                              	 
      	
                                MM/DD/YYYY

                              
	
                                FHA_PART_B_CLAIM_AMT

                              	 	
                                Amount
      of FHA Part B Claim Filed

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                FHA_PART_B_CLAIM_PAID_DATE

                              	 	
                                Date
      HUD Disbursed Part B Claim Payment

                              	 
      	
                                MM/DD/YYYY

                              
	
                                FHA_PART_B_CLAIM_PAID_AMT

                              	 	
                                Amount
      HUD Paid on Part B Claim

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs ($)

                              
	
                                VA_CLAIM_FILED_DATE

                              	 	
                                Date VA Claim Was Filed With the
      Veterans Admin

                              	 
      	
                                MM/DD/YYYY

                              
	
                                VA_CLAIM_PAID_DATE

                              	 	
                                Date
      Veterans Admin. Disbursed VA Claim Payment

                              	 
      	
                                MM/DD/YYYY

                              
	
                                VA_CLAIM_PAID_AMT

                              	 	
                                Amount
      Veterans Admin. Paid on VA Claim

                              	
                                2

                              	
                                No
      commas(,) or

                                dollar
      signs
($)

                              


                      

                    

                  

                

              

            

          

        

      

    

    
      
        


      

      
        
          

        

      

      Page 7 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    Exhibit
2: Standard Status Codes

     

    The Loss Mitigation Type field should show the approved
Loss Mitigation Code as follows:

    


    
      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                	
                                        Loss Mitigation Code

                                      	 	
                                        Loss Mitigation Description

                                      
	
                                        ASUM

                                      	 	
                                        Approved
      Assumption

                                      
	
                                        BAP

                                      	 	
                                        Borrower
      Assistance Program

                                      
	
                                        CO

                                      	 	
                                        Charge
      Off

                                      
	
                                        DIL

                                      	 	
                                        Deed-in-Lieu

                                      
	
                                        FFA

                                      	 	
                                        Formal
      Forbearance Agreement

                                      
	
                                        MOD

                                      	 	
                                        Loan
      Modification

                                      
	
                                        PRE

                                      	 	
                                        Pre-Sale

                                      
	
                                        SS

                                      	 	
                                        Short
      Sale

                                      
	
                                        MISC

                                      	 	
                                        Anything
      else approved by the PMI or Pool
Insurer

                                      


                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

    

     

    Note: Wells Fargo Bank will accept
alternative Loss Mitigation
Types to those stated above, provided that they are consistent with industry
standards. When using such alternatives, the Servicer must supply Wells Fargo
Bank with a description of each of the Loss Mitigation Types prior to sending
the file.

    


    The Occupant
Code field should show the current status of the
property code as follows:

    


    
      
        
          
            
              	
                      Occupant Code

                    
	
                      Mortgagor

                    
	
                      Tenant

                    
	
                      Unknown

                    
	
                      Vacant

                    


            

          

        

      

    

     

    The Property
Condition field should show the last reported condition
of the property as follows:

    


    
      
        
          
            	
                    Property Condition Code

                  
	
                    Damaged

                  
	
                    Excellent

                  
	
                    Fair

                  
	
                    Gone

                  
	
                    Good

                  
	
                    Poor

                  
	
                    Special
    Hazard

                  
	
                    Unknown

                  


          

        

      

    

    
      
        


      

      
        
          

        

      

      Page 8 of 10

        


    

    Please be advised that failure to comply
with any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to:
ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      Maryland  21045

                  (410)
      884-2000 (phone)

                  (410)
      884-2360 (fax)

                

              


      

    

     

    Exhibit
2: Standard Status Codes (continued)

     

    The FNMA Delinquent
Reason Code field should
show the Reason for Delinquency as follows:

    


    
      
        
          
            
              
                
                  
                    
                      	
                              Delinquency Code

                            	 	
                              Delinquency Description

                            
	
                              001

                            	 	
                              FNMA-Death of principal
      mortgagor

                            
	
                              002

                            	 	
                              FNMA-Illness of principal
      mortgagor

                            
	
                              003

                            	 	
                              FNMA-Illness of mortgagor’s family
      member

                            
	
                              004

                            	 	
                              FNMA-Death of mortgagor’s family
      member

                            
	
                              005

                            	 	
                              FNMA-Marital
      difficulties

                            
	
                              006

                            	 	
                              FNMA-Curtailment of
      income

                            
	
                              007

                            	 	
                              FNMA-Excessive
      Obligation

                            
	
                              008

                            	 	
                              FNMA-Abandonment of
      property

                            
	
                              009

                            	 	
                              FNMA-Distant employee
      transfer

                            
	
                              011

                            	 	
                              FNMA-Property
      problem

                            
	
                              012

                            	 	
                              FNMA-Inability to sell
      property

                            
	
                              013

                            	 	
                              FNMA-Inability to rent
      property

                            
	
                              014

                            	 	
                              FNMA-Military
      Service

                            
	
                              015

                            	 	
                              FNMA-Other

                            
	
                              016

                            	 	
                              FNMA-Unemployment

                            
	
                              017

                            	 	
                              FNMA-Business
      failure

                            
	
                              019

                            	 	
                              FNMA-Casualty
      loss

                            
	
                              022

                            	 	
                              FNMA-Energy environment
      costs

                            
	
                              023

                            	 	
                              FNMA-Servicing
      problems

                            
	
                              026

                            	 	
                              FNMA-Payment
      adjustment

                            
	
                              027

                            	 	
                              FNMA-Payment
      dispute

                            
	
                              029

                            	 	
                              FNMA-Transfer of ownership
      pending

                            
	
                              030

                            	 	
                              FNMA-Fraud

                            
	
                              031

                            	 	
                              FNMA-Unable to contact
      borrower

                            
	
                              INC

                            	 	
                              FNMA-Incarceration

                            


                    

                  

                

              

            

          

        

      

    

    
      
        


      

      
        
          

        

      

      Page 9 of 10

        


    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Deliquency Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      Maryland  21045

                (410)
      884-2000 (phone)

                (410)
      884-2360 (fax)

              


      

    

    


    Exhibit
2: Standard Status Codes (continued)

     

    The FNMA Delinquent
Status Code field should
show the Status of Default as follows:

    


    
      
        
          
            
              
                
                  	
                          Delinquent

                          Status Code

                        	 	
                          Status
      Description

                        
	
                          09

                        	 	
                          Forbearance

                        
	
                          17

                        	 	
                          Pre-foreclosure Sale Closing Plan
      Accepted

                        
	
                          24

                        	 	
                          Government
      Seizure

                        
	
                          26

                        	 	
                          Refinance

                        
	
                          27

                        	 	
                          Assumption

                        
	
                          28

                        	 	
                          Modification

                        
	
                          29

                        	 	
                          Charge-Off

                        
	
                          30

                        	 	
                          Third Party
      Sale

                        
	
                          31

                        	 	
                          Probate

                        
	
                          32

                        	 	
                          Military
      Indulgence

                        
	
                          43

                        	 	
                          Foreclosure
      Started

                        
	
                          44

                        	 	
                          Deed-in-Lieu
      Started

                        
	
                          49

                        	 	
                          Assignment
      Completed

                        
	
                          61

                        	 	
                          Second Lien
      Considerations

                        
	
                          62

                        	 	
                          Veteran’s Affairs-No
      Bid

                        
	
                          63

                        	 	
                          Veteran’s
      Affairs-Refund

                        
	
                          64

                        	 	
                          Veteran’s
      Affairs-Buydown

                        
	
                          65

                        	 	
                          Chapter 7
      Bankruptcy

                        
	
                          66

                        	 	
                          Chapter 11
      Bankruptcy

                        
	
                          67

                        	 	
                          Chapter 13
      Bankruptcy

                        


                

              

            

          

        

      

    

    


    
      
        

      

    

    Page 10 of 10

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    

     

    Wells
Fargo Bank, N.A.

    Corporate
Trust Services

    


    Servicer
File Load Requirements

    for

    Trustee
Reporting

    


    


    Effective
March 15, 2010

    
      
        
           

          
            

          

        

         

        © Copyright Wells Fargo Bank, Corporate
Trust Services

      

    

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        
          	
                  

                	
                  Corporate
      Trust Services

                  Servicer
      File Load Requirements

                  For
      Trustee Reporting

                	
                  Wells
      Fargo Bank, NA

                  9062
      Old Annapolis Road

                  Columbia,
      MD 21045

                  (410)
      884-2000 (phone)

                


        

      

    

    
      
        
          
            
              
                	  
      
	
                        General
      Information

                      


              

            

          

        

      

    

     

    Whether
the Servicer is new or existing to Wells Fargo, the Servicer must comply with
Wells Fargo’s standards for Trustee Reporting.  This package includes
all the information the Servicer needs to know in order to meet the reporting
requirements, including:

    


    
      	
              I.

            	
              File
      Delivery Requirements

            
	
              II.

            	
              Loan
      Level File Reporting Requirements

            
	
              III.

            	
              Summary
      Data Reporting Requirements

            
	
              IV.

            	
              New
      Investor Requirements

            
	
              V.

            	
              Service
      Provider Requirements

            
	
              VI.

            	
              Monitoring
      File Status

            


    

    


    Timing

    Once the
Servicer begins monthly reporting, reporting must be done in a timely and consistent manner. Wells Fargo
recommends the Servicer take all necessary steps/actions to ensure that the
Servicer reports and electronic files are delivered successfully to Wells
Fargo’s Corporate Trust Services.  Servicer reports should be received
no later than the required report due date specified in the servicing agreement.
The Servicer shall deliver a complete and accurate file to the Master Servicer
on or before the reporting due date.  A report is considered late if
it is incomplete or not delivered by the Investor reporting due
date.

    


    Data
Integrity

    The
Servicer shall deliver an accurate, complete and valid file by the reporting due
date. The file format provided shall be consistent with the Investor Reporting
standard format and guidelines that are defined in this document, as well as
posted on the ServicerConnect website (www.ServicerConnect.com).

     

    Communication
of Reporting Changes

    If there
are any changes to the file requirements noted in the guidelines, Wells Fargo
will provide a 60-90 day advance notification on the ServicerConnect website,
prior to the effective date of the change.  The Servicer must make
every effort to comply with the standard format, the naming conventions, and
changes to the format that may be required.

     

    Note:

    These
reporting requirements are subject to change. For the Servicers’ convenience,
all current requirements are posted to the ServicerConnect website at www.ServicerConnect.com.

     

    
      
        
          

        

      

      Page 2 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    
      
        
          
            
              	 
	
                      I.  File
      Delivery
Requirements

                    


            

          

        

      

    

     

    ServicerConnect  —
the preferred method of delivery for secure transfer of monthly reporting
files

    To help
ensure the security of the data delivery, Wells Fargo offers the ServicerConnect  website
at www.ServicerConnect.com.
This site serves as Wells Fargo’s preferred method for file delivery for all
Servicers’ monthly reporting. The Servicer shall deliver monthly reports in
accordance with the Master Servicer’s preferred delivery method (currently via
the ServicerConnect website). Under no circumstances shall the Master Servicer
be responsible for obtaining the file from the Servicer’s website.

    


    ServicerConnect 
benefits

    
      	
               
      

            	
              ·

            	
              Provides
      24/7, round-the-clock access

            


    

    
      	
               
      

            	
              ·

            	
              Available
      free of charge

            


    

    
      	
               
      

            	
              ·

            	
              Allows
      for manual entry of loan level data, as well as uploading of loan level
      files/reports, summary and supplemental
files

            


    

    
      	
               
      

            	
              ·

            	
              Ensures
      a secure transfer of data using the industry standard’s Secure Socket
      Layer, 128-bit encryption. ServicerConnect
      satisfies the Privacy Act requirements for maintaining confidentiality of
      data.

            


    

    
      	
               
      

            	
              ·

            	
              Offers
      online help in navigating the site and using its various
      functions

            


    

    


    Initial
one-time ServicerConnect registration

    To
establish access and gain entry to a new Servicer library on ServicerConnect,
the Servicer must complete the following one-time registration on the
website:

    
      	
               
      

            	
              ·

            	
              Have
      all users from the Servicer Company who will be uploading and/or
      downloading files register on www.ServicerConnect.com by creating a User Id,
      Password, and Profile.

            


    

    
      	
               
      

            	
              ·

            	
              The
      Servicer will be notified via e-mail once
  approved.

            


    

    


    ServicerConnect
support

    
      	
               
      

            	
              ·

            	
              If
      the Servicer requires technical assistance with the performance of the
      site, or has password issues, please contact CTSLink customer service at
      ctslink.customerservice@wellsfargo.com.

            


    

    
      
        	 	
                ·

              	
                If the Servicer requires help using the site’s
      many functions, please refer to the “Help” page on the ServicerConnect
      webpage or contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

              


      

    

    
      	
               
      

            	
              ·

            	
              If
      the Servicer is experiencing problems with loan data, please contact the
      appropriate Wells Fargo representative listed in the "Contact Us" page of
      the ServicerConnect webpage.

            


    

    


    PERL
Scripting

    
      	
               
      

            	
              ·

            	
              If
      there is an interest in an automated way to deliver files, a sample Perl
      script is available for the Servicer’s review and
      usage.  Customers may evaluate the script for usage and assume
      any risk associated with their decision to use it.  It is the
      customer’s responsibility to modify and test the script to ensure its
      effective use as well as the verification of complete and timely
      transmission.

            


    

    
      	
               
      

            	
              ·

            	
              Request
      for a copy of the sample Perl script should be made to CTSLink customer
      service via email at ctslink.customerservice@wellsfargo.com.  Please
      include “Request for
      Example Perl Script” in the subject line of the
      email.  The email should identify “ServicerConnect” as the
      system the Servicer wishes to script and also include a contact name,
      phone number, individual email address and the ServicerConnect User
      ID.

            


    

    


      

      
        
          

        

      

      Page 3 of 28

       

    

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    
      
        
          
            
              	 
	
                      II.  Loan
      Level File Reporting
Requirements

                    


            

          

        

      

    

    


    Loan
level file reports delivered to Wells Fargo MUST meet the following requirements
in order to ensure Servicer files load successfully through automated load
processing:

    


    
      	
               
      

            	
              1.

            	
              The
      file must have a standardized File Name (Refer to Section
    A)

            


    

    
      	
               
      

            	
              ·

            	
              Either
      use the Wells Fargo standard or a static name (it must remain consistent
      each month)

            


    

    
      	
               
      

            	
              2.

            	
              The
      file must be a CSV or XLS file

            


    

    
      	
               
      

            	
              3.

            	
              The
      file must comply with Wells Fargo standard requirements (Refer to Section
      C):

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook

            


    

    


    
      
        	
                A.
      Standard File Naming Convention
Requirements

              


      

    

    


    Wells
Fargo requires a static Servicer file name that does not include special
characters and cannot be greater than 30 characters. Delivering a consistent
static file name from month to month will ensure the Servicer file will be
recognized.

    


    It may
help to separate the Servicer loan level file from other
reports.  Once the Servicer establishes the static file name, Wells
Fargo will create a cross reference of the Servicer file name with an internal
Wells Fargo file name.

    


    If the
Servicer file name delivered is not recognized to match the static file name
established by the Servicer, the Servicer file will not automatically load
through the Wells Fargo System.  The time required to process the
Servicer file may also increase.

    


    If at any
time a Servicer file name needs to be created or the file naming convention
needs to be changed, please contact ServicerConnect customer support at ServicerConnect@wellsfargo.com
- as it is critical to the recognition of the file.

    


    
      
        	
                B.
      Standard File Format
Requirements

              


      

    

    


    The
Servicer may choose to send the Servicer file in either one of the following two
formats:

    


    
      	
               
      

            	
              1.

            	
              Comma
      Separated Values (CSV)

            


    

    
      	
               
      

            	
              2.

            	
              Excel
      (XLS). Note: Excel 2007 format (XLSX) is currently not
      supported.

            


    

     

    
      
        
          

        

      

      Page 4 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    


    
      
        
          
            
              
                
                  
                    
                      	
                              C.
      Standard File Layout
Requirements

                            


                    

                  

                

              

            

          

        

      

    

     

    Standard
File Layout Requirements must adhere to the following:

    
      	
               
      

            	
              ·

            	
              Must
      not be zipped

            


    

    
      	
               
      

            	
              ·

            	
              Must
      not be password protected

            


    

    
      	
               
      

            	
              ·

            	
              Column
      names must be located on the first
line

            


    

    
      	
               
      

            	
              ·

            	
              Loan
      level detail must be on the first sheet of a
  workbook.

            


    

     

    Please
ensure that the standard loan level file layout requirements are met each month.
Refer to Exhibit 1 for the Standard Loan Level File Layout.

     

    If the
Servicer is new to Wells Fargo Bank, N.A., Wells Fargo highly recommends the
Servicer submit a test file layout before delivering files to ensure compliance
with the requirements. To submit a test file or request an Excel template,
contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    
      
        	
                D.  Supplemental
      File Requirements

              


      

    

     

    Supplemental
File Types:

     

    If the
original file is incomplete or inaccurate then the Servicer may deliver a
supplemental file. Notification is required when submitting a supplemental file
to ensure the files get loaded successfully. A list of Wells Fargo
representatives  is located in the "Contact Us" page of the
ServicerConnect webpage.

     

    
      	
              1.

            	
              Revised Original
      File

            


    

    A revised
file is a file where the file format is the same as the original file format but
data has been added or changed from the original file. The revised original file
name however, should also be the same as the original file
name.  Refer to Exhibit 1 for the Standard Loan Level File
Layout.

     

    
      	
              2.

            	
              Prepayment Period
      Reporting

            


    

    If
required to report prepayment period activity, a mid-month prepayment period
file is required in addition to a month-end file.   The mid-month
file should only include the additional payment activity that was not originally
included in the month end report.  This mid-month file should only
include the loans with partial
prepayments, full prepayments, or both as defined within the Servicer deal
documents.  If there is no activity to report, the Servicer
will be required to submit a mid-month file with no activity. All fields must be
in the exact order as defined in Exhibit 3.

     

    
      	
              3.

            	
              Regulation AB (REG
      AB)

            


    

    Regulation
AB (REG AB) is a directive that was published by the Securities & Exchange
Commission (SEC) on December 22, 2004. The regulation is intended to enhance the
detail and quality of information provided to investors of publicly traded
asset-backed securities. Reg AB mandates that additional data elements, as
applicable, be provided by Servicers in their standard monthly
reports.

    


    The
regulation can be found at http://www.sec.gov/rules/final/33-8518.htm.

     

      
        
          

        

      

      Page 5 of
28

    

    
       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    


    To comply
with REG AB, Wells Fargo offers the Servicer two options for providing
additional data elements:

    
      	
               
      

            	
              1.

            	
              Include
      new data in the existing Standard Loan Level File Layout. (Exhibit
      1)

            


    

    
      	
               
      

            	
              2.

            	
              Include
      new data in a supplemental file provided with the Servicer Monthly Report
      File. (Exhibit
      4)

            


    

    


    No matter
which option the Servicer selects, all data must be submitted at the same
time.

     

    
      	
              4.

            	
              Modification
      File

            


    

    Modifications
are considered a change to the initial terms of a loan from what was originally
established at closing.  Modifications are used as a form of loss
mitigation by the Servicer to cure the delinquency of a borrower.

     

    Wells
Fargo offers the Servicer two options for providing modification
elements:

    
      	
               
      

            	
              1.

            	
              Include
      modification data in the existing Standard Loan Level File Layout (Exhibit
      1)

            


    

    
      	
               
      

            	
              2.

            	
              Include
      modification data in a supplemental file (Exhibit
  5).

            


    

    


    
      
        	
                E.
      Transfer of Servicing
Requirements

              


      

    

    


    If the
Servicer is considering a transfer of servicing requirements, please contact
Wells Fargo’s Mortgage Backed Servicer Oversight Team via e-mail at SCTServicerComplianceTeam@wellsfargo.com. The Servicer must let us
know at least 30 days prior to the transfer date in order for the Servicer Wells
Fargo representative to assist the Servicer with this process.

     

    Keep in
mind that a complete transfer/merger or acquisition may include the following
changes or
requirements:

    
      ·        
A reassigned file name for reporting purposes

    

    
      ·        
A change in the Servicer method of reporting

    

    
      ·        
A new ServicerConnect Library

    

    
      ·        
A complete Servicer Eligibility
Process (Only for New Servicers reporting to Wells
Fargo)

    

     

    Transfer
Roles

    The “TO” Servicer is the Servicer
receiving the loans.

    The “FROM” Servicer is the
Servicer who is transferring the loans.

     

    
      
        
          

        

      

      Page 6 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    
      
        
          
            
              	 
	
                      III.
      Summary Data Reporting
Requirements

                    


            

          

        

      

    

    


    In
addition to a monthly loan level file, the Servicer is required to provide Wells
Fargo Bank with a separate
monthly Summary Report representing the total balances of the Loan Level
detail on or before the reporting due date. This report should include all the
summary totals for each investor listed on the loan level file. The summary page must match the loan
level file that is being reported.

    


    Note: If the Servicer uses a Service
Provider, the provider may also supply a Summary Report for delivery to Wells
Fargo.  For example, if the Servicer uses the Fidelity Service for the
Loan Level etail, please use the Fidelity Summary Report #62C and submit it to
Wells Fargo Bank via the ServicerConnect website.

    


    
      
        	
                A.
      Summary File Format
Requirements

              


      

    

    


    As long
as the Servicer provides all the summary data required by Wells Fargo, the
Servicer may choose to send us the Servicer Summary Data file, separate of the
loan level file, in any one of the preferred four formats:

    
      	
               
      

            	
              1.

            	
              Excel

            


    

    
      	
               
      

            	
              2.

            	
              Text

            


    

    
      	
               
      

            	
              3.

            	
              Word

            


    

    
      	
               
      

            	
              4.

            	
              PDF

            


    

    


    
      
        	
                B.
      Summary File Layout
Requirements

              


      

    

    


    The
Servicer has the option to provide summary data in one of the following two
ways:

    
      	
               
      

            	
              1.

            	
              Separate
      Summary Reports for each individual investor  (i.e., 20
      Investors, 20 reports), or

            


    

    
      	
               
      

            	
              2.

            	
              One
      report with summary totals for All Investors; with one Investor on each
      row (i.e., 20 Investors, one
report)

            


    

     

    This
package includes a sample Monthly Summary Report by Single Investor (Refer to
Exhibit 2).

    Upon
request, Wells Fargo can provide a sample file layout by all Investors in an
Excel spreadsheet format.

    


    
      
        	
                C.
      REG AB
      Requirements

              


      

    

    


    Refer to
Exhibit 2, section 3 for a sample REG AB Summary Report.

    


    
      
        	
                D.
      Summary File Naming Convention
Requirements

              


      

    

    


    Wells
Fargo requires that, once the Servicer’s file name is established, the same name
should be used consistently from one month to another, to be easily
recognized.

     

    
      
        
          

        

      

      Page 7 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    
      
        
          
            
              	 
	
                      IV.
      New Investor
Requirements

                    


            

          

        

      

    

    


    As the
Servicer introduces new Investor numbers to the Wells Fargo reporting portfolio,
the Servicer will need to decide if it is best to add the new Investor numbers
to the existing file or create a new
file.  In either case, the Servicer will need to contact the
appropriate Wells Fargo representative to make sure that our records are updated
with the newly-created file and that the files successfully load through our
system.

    


    Minimum
Criteria for adding new Investor numbers to existing files

    Whenever
possible, reporting of new Investor numbers and loans should be added to the
Servicer’s existing file(s), as long as it meets the following minimum
criteria:

     

    
      	
               
      

            	
              ·

            	
              All
      reporting due dates in the file may include a range of dates (i.e., 1-15
      or 16-30) that will be submitted by the earliest reporting due
      date on the file. (Multiple files may be necessary if the Servicer cannot
      deliver all Investor numbers by the earliest reporting due
      date on the file.)

            


    

     

    
      	
               
      

            	
              ·

            	
              All
      product types must be the same within each file (i.e., Act/Act,
      Sched/Sched, Sched/Act). Multiple files are required if you are sending
      more than one product type.

            


    

     

    
      	
               
      

            	
              ·

            	
              Each
      file must represent only Master Servicing contracts or Trustee contracts,
      but not both in one file.

            


    

     

    
      	
               
      

            	
              ·

            	
              The
      Servicer must consider Servicer location and/or other Servicer
      limitations.

            


    

    


    Creating
new files for new Investor numbers

    Although
adding new Investor numbers to existing files is preferred, there may be times
when it is more appropriate to submit a separate file for the new Investor. For
example:

     

    
      	
               
      

            	
              ·

            	
              If
      all of the minimum criteria above cannot be accommodated for the new
      Investor within an existing file, then the creation of a new file will be
      necessary for ongoing monthly
reporting.

            


    

    


    
      	
               
      

            	
              ·

            	
              If
      the timing of the notification of the new Investor number does not allow
      to review the minimum criteria stated above, or takes place prior to the
      first month of reporting, then it may be necessary to submit a separate
      file. In the second month of reporting, a detailed review of the minimum
      criteria should take place with the Servicer’s Wells Fargo representative
      to determine whether to continue reporting a separate file or add the new
      Investor number to an existing
file.

            


    

    


    Note: It is critical that the
Servicer contact the appropriate Wells Fargo representative to ensure the
Servicer file is set up properly for it to be received and loaded
successfully.

     

    
      
        
          

        

      

      Page 8 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

              


      

    

    
      
        
          
            
              	 
	
                      V.
      Service Provider
Requirements

                    


            

          

        

      

    

    


    Wells Fargo may accept the Servicer
Master Servicing (Trustee Reporting) files from a Service Provider. However, the
Servicer should contact the appropriate Wells Fargo representative to confirm
this arrangement.

    


    When entering into a contract with a
Service Provider, the Servicer may want to consider including terms
regarding the need to be reasonably flexible on any future changes to the layout
(such as reasonable turnaround times for making changes and who will bear the
cost of those changes).   

    


    When
using a Service Provider to create the monthly file(s), the Servicer must
determine who will deliver the file(s) to Wells Fargo.

    
      	
               
      

            	
              ·

            	
              If
      the Servicer plans to deliver the file, follow the ServicerConnect
      instructions as outlined in this
package.

            


    

    
      	
               
      

            	
              ·

            	
              If
      the Service Provider plans to deliver the file, contact ServicerConnect
      customer support at ServicerConnect@wellsfargo.com
      to establish a delivery method.

            


    

    
      	
               
      

            	
              ·

            	
              If
      no adjustments are necessary, a duplicate file is not needed in any other
      format or delivery method. However, if an adjustment to the original file
      is needed, the Servicer will be responsible for delivering the adjusted
      file to Wells Fargo Bank via the ServicerConnect
  website.

            


    

    


    While the
requirements set forth in this package are Wells Fargo’s preference for
reporting, Wells Fargo may consider other reporting layouts and summary report
formats from Service Providers. Also upon request, there may be times when Wells
Fargo can accept an automatic delivery.  To discuss these options
contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    Note: If the Servicer uses a Service
Provider, the provider may also supply a Summary Report to the organization
which may then be delivered via the ServicerConnect website.  For
example, if the Servicer uses the Fidelity Service for the Servicer Loan Level
Detail report, use the Fidelity Summary Report #62C and submit it to Wells Fargo
Bank via the ServicerConnect website.

     

    
      
        
          

        

      

      Page 9 of
28

    

     

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      


      
        
          
            
              
                
                  	
                          

                        	
                          
                            Corporate
      Trust Services

                            Servicer
      File Load Requirements

                            For
      Trustee Reporting

                          

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000 (phone)

                        


                

                 

              

            

          

        

      

    

    
      	
              VI. Monitoring File
      Status

            


    

     

    File
Monitoring Requirements:

    Once loan
level files have been uploaded to ServicerConnect the Servicer is able to manage
and track the status of individual files that have been uploaded to the
website.  The files are displayed on the File Status listing screen on
www.ServicerConnect.com. 
For additional assistance, please refer to the ServicerConnect User Manual
accessible from the "Help" page of the ServicerConnect website.

    


    A loan
level file is successfully uploaded through automated processing when the loan
level file receives an “Auto Transmission Complete” status.  If the
Servicer is presented with a different status, such as “File Uploaded”, the
Servicer should contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

    


    File
Status List:

    


    Auto
Transmission Complete:  For loan level files only, ServicerConnect
recognizes the Servicer’s File Name. The loan level file was pushed through the
automated load process.

    


    File
Uploaded:  The file was uploaded to the library but was not moved to
load processing.  For any monthly file whose filename is not associated
with this user’s approved Servicer numbers, the file will be stored but not
automatically uploaded.  The library holds the file for 25 days, 20 days
for larger libraries.  Please refer to Section II for Loan Level File
Reporting Requirements.

    


    Note: 
Other statuses may be presented intermittently prior to receiving an “Auto
Transmission Complete" or "File Uploaded"
Status.


     

    Upon
request, Wells Fargo can provide a monthly report of files uploaded to a
library. This report is provided at the end of the month, and includes at the
minimum: uploader's name, file name, upload time and file status. To request
this report, contact ServicerConnect customer support at ServicerConnect@wellsfargo.com.

     


      
        

      

    

    
      
        Page 10 of 28

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
         


      

      
        
        

        
          

        

      

      
         


      

    

    
      
        


        
          
            
              
                
                  
                    	
                            

                          	
                            Corporate
      Trust Services

                            Servicer
      File Load Requirements

                            
                              For
      Trustee Reporting

                            

                          	
                            Wells
      Fargo Bank, NA

                            9062
      Old Annapolis Road

                            Columbia,
      MD 21045

                            (410)
      884-2000
(phone)

                          


                  

                

              

            

          

        

      

       

      Exhibit
1: Standard Loan Level File Layout

      


      
        
          
            
              
                
                  
                    
                      
                        
                          	
                                  Column Name

                                	
                                  Description

                                	
                                  Decimal 

                                	
                                  Format
    Comment

                                	
                                  Max

                                  Size

                                
	
                                  SER_INVESTOR_NBR

                                	
                                  A
      value assigned by the Servicer to define a group of loans.

                                	 
      	
                                  Text up to 20
      digits

                                	
                                  20

                                
	
                                  LOAN_NBR

                                	
                                  A
      unique identifier assigned to each loan by the investor.

                                	 
      	
                                  Text
      up to 10 digits

                                	
                                  10

                                
	
                                  SERVICER_LOAN_NBR

                                	
                                  A
      unique number assigned to a loan by the Servicer.  This may be
      different than the LOAN_NBR.

                                	 
      	
                                  Text
      up to 10 digits

                                	
                                  10

                                
	
                                  SCHED_PAY_AMT

                                	
                                  Scheduled
      monthly principal and scheduled interest payment that a borrower is
      expected to pay, P&I constant.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  NOTE_INT_RATE

                                	
                                  The
      loan interest rate as reported by the Servicer.

                                	
                                  4

                                	
                                  Max
      length of 6

                                	
                                  6

                                
	
                                  SCHED_GROSS_INTEREST_AMT

                                	
                                  The
      amount of interest due on the outstanding scheduled principal balance in
      the current cycle.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  SERV_FEE_RATE

                                	
                                  The
      Servicer's fee rate for a loan as reported by the
Servicer.

                                	
                                  4

                                	
                                  Max
      length of 6

                                	
                                  6

                                
	
                                  LOAN_FEE_AMT

                                	
                                  The
      monthly loan fee amount expressed in dollars and cents.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  ACTL_BEG_PRIN_BAL

                                	
                                  The
      borrower's actual principal balance at the beginning of the processing
      cycle.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  ACTL_END_PRIN_BAL

                                	
                                  The
      borrower's actual principal balance at the end of the processing
      cycle.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  BORR_NEXT_PAY_DUE_DATE

                                	
                                  The
      date at the end of processing cycle that the borrower's next payment is
      due to the Servicer, as reported by Servicer.

                                	 
      	
                                  MM/DD/YYYY

                                	
                                  10

                                
	
                                  SERV_CURT_AMT_1

                                	
                                  The
      first curtailment amount to be applied.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  SERV_CURT_AMT_2

                                	
                                  The
      second curtailment amount to be applied.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  SERV_CURT_AMT_3

                                	
                                  The
      third curtailment amount to be applied.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  PIF_AMT

                                	
                                  The
      loan "paid in full" amount as reported by the Servicer.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                
	
                                  PIF_DATE

                                	
                                  The
      paid in full date as reported by the Servicer.

                                	 
      	
                                  MM/DD/YYYY

                                	
                                  10

                                
	
                                  ACTION_CODE

                                	
                                  The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan. This is a required field.

                                	 
      	
                                  Refer
      to Exhibit 6 for valid codes.  Field cannot be null.

                                	
                                  2

                                
	
                                  SCHED_BEG_PRIN_BAL

                                	
                                  The
      scheduled outstanding principal amount due at the beginning of the cycle
      date to be passed through to investors.

                                	
                                  2

                                	
                                  No
      commas(,) or dollar signs ($)

                                	
                                  11

                                


                        

                      

                    

                  

                

              

            

          

        

      

       

      
        
          

        

        
          
            Page 11 of
28

          

        

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

      
        
          
             


          

          
            
            

            
              

            

          

          
             


          

        

      

      


      
        
          
            
              
                
                  	
                          

                        	
                          Corporate
      Trust Services

                          Servicer
      File Load Requirements

                          
                            For
      Trustee Reporting

                          

                        	
                          Wells
      Fargo Bank, NA

                          9062
      Old Annapolis Road

                          Columbia,
      MD 21045

                          (410)
      884-2000
(phone)

                        


                

              

            

          

        

      

    

    


    
      
        
          
            
              
                
                  
                    
                      	
                              Column Name

                            	
                              Description

                            	
                              Decimal 

                            	
                              Format
    Comment

                            	
                              Max

                              Size

                            
	
                              SCHED_END_PRIN_BAL

                            	
                              The
      scheduled principal balance due to investors at the end of a processing
      cycle.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              SCHED_PRIN_AMT

                            	
                              The
      scheduled principal amount as reported by the Servicer for the current
      cycle — only applicable for Scheduled/Scheduled Loans.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              BANKRUPTCY_LOSS_AMT

                            	
                              The
      amount of loss due to bankruptcy.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              CR_LOSS_AMT

                            	
                              The
      amount of loss that is classified as a credit.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              FRAUD_LOSS_AMT

                            	
                              The
      amount of loss that is attributable to a fraud claim.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              SPH_LOSS_AMT

                            	
                              The
      amount of loss that is classified as a special hazard.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              DELINQ_P&I_ADVANCE_AMT

                            	
                              The
      current outstanding principal and interest advances made by
      Servicer.

                            	
                              2

                            	
                              No
      commas(,) or dollar signs ($)

                            	
                              11

                            
	
                              BREACH_FLAG

                            	
                              Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                            	 
      	
                              Y=Breach

                              N=NO
      Breach

                              Let
      blank if N/A

                            	
                              1

                            
	
                              Plus
      the following applicable modification fields:

                            	 
      	 
      	 
      
	
                              MOD_DATE

                            	
                              The
      first loan payment date on which the modified loan terms become
      effective.  This field is required if any of the below fields are
      populated with a value.

                            	 
      	
                              Any
      valid date greater than loan origination date.  (MM/DD/YYYY). 
      If the loan is not modified this field should be blank.

                            	
                              10

                            
	
                              CAPITALIZED_AMOUNT

                            	
                              The
      amount added to actual outstanding principal balance owed by the borrower
      due to a modification.

                            	
                              2

                            	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	
                              11

                            
	
                              TOTAL_SERVICING_ADVANCES

                            	
                              The
      total amount advanced by the Servicer for the loan modification, which can
      be comprised of Attorney Fees, Appraisal Fees, Inspection Fees, and other
      items as defined in the governing documents.

                            	
                              2

                            	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	
                              11

                            
	
                              SERVICING_FEE_ADVANCES

                            	
                              The
      total amount of servicing fees for delinquent payments that has been
      advanced by the Servicer for the loan modification.

                            	
                              2

                            	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	
                              11

                            
	
                              ESCROW_ADVANCES

                            	
                              The
      total amount of escrow advances made by the Servicer on the loan
      modification, which can include insurance, taxes, mortgage insurance, and
      other items as defined in the governing documents.

                            	
                              2

                            	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	
                              11

                            
	
                              INTEREST_ADVANCES

                            	
                              The
      total amount of Net interest
      that has been advanced by the Servicerfor the loan’s modification
      delinquent payments

                            	
                              2

                            	
                              Must
      be a positive number.  If Interest Advances exist the loan must have
      either Capitalized Amount or Interest Forgiveness Amount associated with
      it.  If not applicable this field should be blank.

                            	
                              11

                            


                    

                  

                

              

            

          

        

      

    

     

    
      
        
          

        

        
          
            Page 12 of
28

          

        

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        
                          For
      Trustee Reporting

                        

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

    

    
      


      
        
          
            
              
                
                  
                    
                      
                        
                          	
                                  Column Name

                                	
                                  Description

                                	
                                  Decimal

                                	
                                  Format
    Comment

                                	
                                  Max

                                  Size

                                
	
                                  MODIFIED_BEGINNING_BALANCE

                                	
                                  The
      beginning principal balance that is owed by the borrower as of the
      Modification Effective Date per the modification
agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If not applicable this field should be
      blank.

                                	
                                  11

                                
	
                                  MODIFIED_INTEREST_RATE

                                	
                                  The
      gross interest rate for the loan beginning on the Modification Effective
      Date per the modification agreement.

                                	
                                  4

                                	
                                  Must
      be a positive number.  Max length of 6. If not applicable this field
      should be blank.

                                	
                                  6

                                
	
                                  MODIFIED_P&I_AMOUNT

                                	
                                  The
      total principal and interest payment due for the loan beginning on the
      Modification Effective Date per the modification
agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If not applicable this field should be
      blank.

                                	
                                  11

                                
	
                                  MODIFIED_BALLOON_AMOUNT

                                	
                                  The
      balloon payment amount on the loan per the modification
      agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If Modified Balloon is populated then Modified
      Balloon Amount cannot be null.

                                	
                                  11

                                
	
                                  MODIFIED_BALLOON_DATE

                                	
                                  The
      date on which the balloon payment is due per the modification
      agreement.  The value in this field could be populated if a balloon
      payment is being created or changed through the modification of the
      loan.

                                	 
      	
                                  Any
      valid date (MM/DD/YYYY)- Note: Cannot be beyond the final maturity date of
      loan.  If Modified Balloon Amount has a value, Modified Balloon Date
      must have a value.  If not applicable this field should be
      blank.

                                	
                                  10

                                
	
                                  MODIFIED_MATURITY_DATE

                                	
                                  The
      maturity date of the loan per the modification agreement.

                                	 
      	
                                  Any
      valid date (MM/DD/YYYY) – If not applicable this field should be
      blank.

                                	
                                  10

                                
	
                                  PRINCIPAL_FORGIVENESS

                                	
                                  The
      total amount of principal due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If not this field should be
    blank.

                                	
                                  11

                                
	
                                  INTEREST_FORGIVENESS

                                	
                                  The
      total amount of interest due that have been waived or forgiven by the
      Servicer per modification agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If not this field should be
    blank

                                	
                                  11

                                
	
                                  EXPENSE_FORGIVENESS

                                	
                                  The
      total amount of expenses due that has been waived or forgiven by the
      Servicer per the modification agreement.

                                	
                                  2

                                	
                                  Must
      be a positive number.  If not this field should be
    blank

                                	
                                  11

                                
	
                                  ARM_TO_FIXED_CONVERSION

                                	
                                  Indicates
      if the loan is an adjustable rate mortgage (ARM) loan that has been
      converted to a fixed rate loan per the modification agreement; not through
      existing provisions of the original ARM parameters.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1

                                
	
                                  FIXED_TO_ARM_CONVERSION

                                	
                                  Indicates
      if the loan is a fixed rate loan that has been converted to an adjustable
      rate mortgage (ARM) loan per the modification agreement.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1

                                
	
                                  IO_TO_FULLY_AMORTIZED_

                                  CONVERSION

                                	
                                  Indicates
      if the loan payments were comprised of interest only and have been
      converted to fully amortizing loan payments per the modification
      agreement.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1

                                
	
                                  FULLY_AMORTIZED_TO_IO_

                                  CONVERSION

                                	
                                  Indicates
      if the loan payments were fully amortizing and have been converted to
      interest only payments.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1

                                


                        

                      

                    

                  

                

              

            

          

        

      

        

      
        
          

        

        
          
            Page 13 of
28

          

        

      

        

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
          
             


          

          
            
            

            
              

            

          

          
             


          

        

      

      
        


        
          
            
              
                
                  
                    	
                            

                          	
                            Corporate
      Trust Services

                            Servicer
      File Load Requirements

                            
                              For
      Trustee Reporting

                            

                          	
                            Wells
      Fargo Bank, NA

                            9062
      Old Annapolis Road

                            Columbia,
      MD 21045

                            (410)
      884-2000
(phone)

                          


                  

                

              

            

          

        

         

      

      
        
          
            
              
                
                  
                    
                      
                        
                          	
                                  Column
      Name

                                	
                                  Description

                                	
                                  Decimal

                                	
                                  Format
      Comment

                                	
                                  Max

                                  Size

                                
	
                                  
                                    TEMPORARY_MODIFICATION

                                  

                                	
                                  Indicates
      if the modified loan terms are in effect only for a specified time period,
      after which the original loan terms are reinstated.

                                	 	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1 

                                
	
                                  GRADUATED_RATE_OR_

                                  PAYMENT_MODIFICATION

                                	
                                  Indicates
      if the modified terms consist of graduated rates and/or payments for a
      loan, or if the loan’s previously existing graduated rate and/or payment
      schedule is being changed per the modification agreement.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null value) it will be treated as
      “N”.

                                	
                                  1

                                
	
                                  MODIFIED_NEXT_

                                  PAYMENT_ADJUST_DATE

                                	
                                  The
      date on which the next payment adjustment is scheduled to occur for an
      adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                	 
      	
                                  Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                	
                                  10

                                
	
                                  MODIFIED_NEXT_INTEREST_RATE_

                                  ADJUST_DATE

                                	
                                  The
      date on which the next interest rate adjustment is scheduled to occur for
      an adjustable rate mortgage (ARM) loan per the modification
      agreement.

                                	 
      	
                                  Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                	
                                  10

                                
	
                                  MODIFIED_ARM_PARAMETER

                                	
                                  Indicates
      if the loan’s existing ARM parameters are changing (and it is remaining an
      ARM loan) per the modification agreement.

                                	 
      	
                                  Y/N
      must be populated for any loan with a Modification Effective Date. 
      If no value is provided for this field (Null Value) it will be treated as
      “N”.

                                	
                                  1

                                
	
                                  BORROWER_SEGMENTATION_

                                  CODE

                                	
                                  Indicates
      which segment a subprime ARM loan is classified under, based on the
      American Securitization Forum's Streamlined Foreclosure and Loss Avoidance
      Framework for Securitized Subprime Adjustable Rate Mortgage Loans. 
      At this time, Servicers only need to report loans that are classified as
      “Segment 2”, which includes current loans where the borrower is unlikely
      to be able to refinance into any readily available mortgage industry
      product.

                                	 
      	
                                  Must
      be populated with a 2 if the loan falls under the ASF streamlined
      foreclosure and loss avoidance framework for Modifications, otherwise the
      value should be blank.  If Borrower Segmentation Code of “2” is
      reported, the population of “Modified Next Payment Adjustment Date” and
      Modified Next Interest Rate Adjust Date is required.

                                	
                                  1

                                
	
                                  APPROVAL_FROM_OUTSIDE_

                                  PARTY

                                	
                                  If
      the governing documents require another party’s approval to allow
      additional modifications after the Modification Limit (as defined in the
      governing documents) has been exceeded.

                                	 
      	
                                  Y/N
      Blank:

                                   Yes
      indicates that the required party’s approval of the modification has been
      obtained by the Servicer.  No indicates that the approval has not be
      obtained.  Blank indicates this field is not
      applicable.

                                	
                                  1

                                
	
                                  NON-INTEREST_BEARING_PRINCIPAL_

                                  DEFERRED_AMOUNT

                                	
                                  The
      total amount of principal deferred by the modification. Deferred amounts
      are not subject to interest bearing accrual.  This field is
      preferred to be reported as part of the monthly remittance file, but must
      be reported in this supplemental file if not reported on the monthly
      remittance file.

                                	
                                  2

                                	
                                  Must
      be a positive number. If not applicable this field should be
      blank.

                                	
                                  11

                                


                        

                      

                    

                  

                

              

            

          

        

      

      
          

        
          
            

          

          
            
              Page 14 of
28

            

          

        

         

        Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

        Direct reporting questions to: ServicerConnect@wellsfargo.com

        


        © Copyright Wells Fargo Bank, Corporate
Trust Services

         

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

    

     

     

    
      
        	
                

              	
                Corporate
      Trust Services

                Servicer
      File Load Requirements

                For
      Trustee Reporting

              	
                Wells
      Fargo Bank, NA

                9062
      Old Annapolis Road

                Columbia,
      MD 21045

                (410)
      884-2000 (phone)

                 

              


      

    

    


    
      
        
          
            	 
      	
                    Column Name

                  	 
      	
                    Description

                  	 
      	
                    Decimal

                  	 
      	
                    Format
    Comment

                  	 
      	
                    Max

                    Size

                  
	 
      	
                    NON-
INT_BEARING_DEFERRED_INT_
AND_FEES_AMT

                  	 
      	
                    The
      total amount of interest and expenses deferred by the modification that
      are not subject to interest accrual. Deferred amounts are not subject to
      interest accrual. This field is preferred to be reported as part of the
      monthly remittance file, but must be reported in this supplemental file if
      not reported on the monthly remittance file.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    NON-
INTEREST_BEARING_DEFERRED_
PAID_IN_FULL_AMOUNT

                  	 
      	
                    This
      value is to be reported when any principal forbearance loan modification
      either liquidates or is paid in full. This separate field is needed
      because most Servicers separately track the principal forbearance amount
      and thus the existing paid in full amount field will not work since it
      will incur interest on most Servicing systems and will only include the
      amount that is required to pay off the amortization
    balance.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    ACTUAL_ENDING_BALANCE_
TOTAL_DEBT_OWED

                  	 
      	
                    Formerly
      the field named “Actual Ending Balance Including Deferred
      Amount”.  For a loan with principal forbearance, the value in
      this field will be the sum of the actual ending balance field already
      supplied on the file plus the deferred amount.  For all other
      loans, it is their actual ending balance.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number.

                  	 
      	
                    11

                  
	 
      	
                    SCHEDULED_ENDING_BALANCE_
TOTAL_DEBT_OWED

                  	
                      

                  	
                    Formerly
      the field named “Scheduled Ending Balance Including Deferred
      Amount”.   For a loan with principal forbearance, the value
      in this field will be the sum of the scheduled ending balance field
      already supplied on the file plus the deferred amount. For all other
      loans, it is their scheduled ending balance.

                  	
                      

                  	
                    2

                  	
                      

                  	
                    Must
      be a positive number.

                  	
                      

                  	
                    11

                  
	 
      	
                    Plus
      the following applicable GRM/GPM modification fields:

                  	 
      	 
      	 
      	 
      	 
      	 
      
	 
      	
                    GRADUATED_DATE

                  	 
      	
                    The
      date(s) at which the next rate and/or payment change will occur per the
      loan modification agreement.  All dates must be provided, not
      just the first change unless there is only a single change
      date.

                  	 
      	 
      	 
      	
                    Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                  	 
      	
                    10

                  
	 
      	
                    GRADUATED_RATE

                  	 
      	
                    The
      rate(s) that will apply at each change date as stated in the loan
      modification agreement.  All rates must be provided, not just
      the first change rate unless there is only a single change
      date.

                  	 
      	
                    4

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    7

                  
	 
      	
                    GRADUATED_PAYMENT

                  	 
      	
                    The
      payment(s) that will apply at each change date as stated in the loan
      modification agreement. All payments must be provided, not just the first
      change payment unless there is only a single change date.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  


          

        

      

    

    
 

    
      
        

      

    

    Page 15 of 28

      

    Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

    Direct reporting questions to: ServicerConnect@wellsfargo.com

    


    © Copyright Wells Fargo Bank, Corporate
Trust Services

    


    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      	
              

            	
              Corporate
      Trust Services

              Servicer
      File Load Requirements

              For
      Trustee Reporting

            	
              Wells
      Fargo Bank, NA

              9062
      Old Annapolis Road

              Columbia,
      MD 21045

              (410)
      884-2000 (phone)

               

            


    

     

    
      
        
          
            	 
      	
                    Column Name

                  	 
      	
                    Description

                  	 
      	
                    Decimal

                  	 
      	
                    Format
    Comment

                  	 
      	
                    Max

                    Size

                  
	 
      	
                    Plus
      the following applicable HAMP modification fields:

                  	 
      	 
      	 
      	 
      	 
      	 
      
	 
      	
                    MONTHLY_PAYMENT_
REDUCTION_COST_SHARE

                  	 
      	
                    The
      subsidized payment from Treasury/FNMA to reimburse the investor for one
      half of the cost of reducing the monthly payment from 38% to 31% Front-End
      DTI.  This value represents the amount for the current cycle
      only.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    BORROWER_PAY-FOR-
PERFORMANCE_SUCCESS_
PAYMENTS

                  	 
      	
                    The
      amount paid to the servicer from U.S. Treasury/FNMA that reduces the
      principal balance of the interest bearing portion of the loan as the
      borrower stays current after modification.  This amount is
      applied annually up to a maximum of $1,000 for up to five
      years.  Reported for the related period as received by the
      servicer from FNMA.  This value represents the amount for the
      current cycle only.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    ONE-TIME_BONUS_INCENTIVE_
ELIGIBILITY

                  	 
      	
                    Y=Yes
      - The loan qualifies for the one-time bonus incentive payment of $1,500.00
      payable to the mortgage holder subject to certain de minimis
      constraints.

                  	 
      	 
      	 
      	
                    Must
      be a value greater than zero. If not applicable this field should be
      blank.

                  	 
      	
                    3

                  
	 
      	
                    ONE-TIME_BONUS_INCENTIVE_
AMOUNT

                  	 
      	
                    $1,500
      paid to mortgage holders for modifications made while a borrower is still
      current on mortgage payments. This value represents the amount for the
      current cycle only.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    HOME_PRICE_DEPRECIATION_
PAYMENTS

                  	 
      	
                    Amount
      payable to mortgage holders to partially offset probable losses from home
      price declines. This will be structured as a simple cash payment on each
      modified loan while the loan remains active in the
      program.  Payments of accrued HPDP incentives will be made on an
      annual basis on each of the first anniversary and the second anniversary
      of the date on which the first trial period payment is due under the Trial
      Period Plan.

                  	 
      	
                    2

                  	 
      	
                    Must
      be a positive number. If not applicable this field should be
      blank.

                  	 
      	
                    11

                  
	 
      	
                    LOAN_PARTICIPATION_END_
DATE

                  	 
      	
                    The
      date upon which the last P&I payment is due during the 60-month
      participation of the U. S. Treasury and FNMA in the loan modification. For
      example, if the trial modification occurs April, May, and June of 2009
      then the first P&I payment of the 60-month participation begins with
      the July 2009 P&I payment. The last P&I payment of the 60-month
      program participation ends June 2014.  Enter in the last payment
      date of the 60-month participation period.

                  	 
      	 
      	 
      	
                    Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                  	 
      	
                    10

                  
	 
      	
                    LOAN_MODIFICATION_INCENTIVE_
TERMINATION_DATE

                  	
                      

                  	
                    The
      date upon which borrower participation in the program is terminated
      because the borrower has defaulted or re-defaulted.  Re-default
      or Loss of Good Standing is defined under the HAMP guidelines as three
      monthly payments are due and unpaid on the last day of the third
      month.

                  	
                      

                  	 
      	
                      

                  	
                    Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                  	
                      

                  	
                    10

                  


          

        

      

    

    
 

    
      
        
          
            

          

        

        Page 16 of 28

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    


    
      	
              

            	
              Corporate
      Trust Services

              Servicer
      File Load Requirements

              For
      Trustee Reporting

            	
              Wells
      Fargo Bank, NA

              9062
      Old Annapolis Road

              Columbia,
      MD 21045

              (410)
      884-2000 (phone)

               

            


    

     

    
      
        	 
      	
                Column Name

              	 
      	
                Description

              	 
      	
                Decimal

              	 
      	
                Format
    Comment

              	 
      	
                Max

                Size

              
	 
      	
                MODIFIED_INTEREST_RATE_CAP

              	 
      	
                The
      modified interest rate must remain in place for 60 months, after which
      time the interest rate will be gradually increased 1% per year or such
      lesser amount as may be needed until the interest rate reaches the
      Modified Interest Rate Cap. The Modified Interest Rate Cap determined as
      of the date the modification document is prepared is the greater of (i)
      the fully amortizing contractual rate as modified to achieve 31% DTI or
      (ii) the Freddie Mac Primary Mortgage Market Survey rate for 30­year
      fixed rate conforming mortgage loans, rounded to the nearest 0.125%, as of
      the date that the modification document is prepared.  If the
      modified rate exceeds the Freddie Mac Primary Mortgage Market Survey rate
      in effect on the date the modification document is prepared, the modified
      rate will be the new note rate for the remaining loan
      term.  However, if the Freddie Mac Primary Mortgage Market
      Survey rate exceeds the modified rate, then the rate at which interest
      accrues will be increased to the Freddie Mac Primary Mortgage Market
      Survey rate after the end of the 60-month period during which the loan is
      monitored by FNMA for participation as an HAMP modified
    loan.

              	 
      	
                4

              	 
      	
                Must
      be a value greater than zero. If not applicable this field should be
      blank.

              	 
      	
                7

              
	 
      	
                ADMIN_FEES_ASSOC_WITH_

                PARTICIPATING_IN_PROGRAM

              	 
      	
                Fees
      incurred by the Servicer while administering this program, as allowed by
      governing document provisions.

              	 
      	
                2

              	 
      	
                Must
      be a positive number. If not applicable this field should be
      blank.

              	 
      	
                11

              
	 
      	
                MODIFICATION_TYPE

              	
                  

              	
                This
      will distinguish HAMP modifications from other non-HAMP
      modifications.

              	
                  

              	 
      	
                  

              	
                "HMP"
      for HAMP modifications, or other identified code is also
      acceptable.

              	
                  

              	
                10

              


      

    

     

    
      
        
          
            

          

        

        Page 17 of 28

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      	
              

            	
              Corporate
      Trust Services

              Servicer
      File Load Requirements

              For
      Trustee Reporting

            	
              Wells
      Fargo Bank, NA

              9062
      Old Annapolis Road

              Columbia,
      MD 21045

              (410)
      884-2000 (phone)

               

            


    

     

    Exhibit
2: Monthly Summary Report by Single Investor

     

    MONTHLY SUMMARY
REPORT

     

    
      
        	
                For Month
      Ended:
        mm/dd/yyyy

              	
                Servicer Name

              	 
      	  
      	   
      
	
                Prepared
      by:  _____________________________

              	
                Investor Nbr

              	  
      	 
      	
                   
      

              


      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                        

                      

                    

                  

                

              

            

          

        

      

    

    
      
        
          
            
            

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      	   
      
	
                              Section
      1. Remittances and Ending Balances - Required
      Data

                            
	
                              Beginning

                            	
                              Ending

                            	
                                Total
      Monthly 

                            	
                                Total
      Ending Unpaid  

                            	
                                Total
      Monthly Principal  

                            
	
                                Loan Count  

                            	
                                Loan
      Count  

                            	
                                Remittance
      Amount 

                            	
                              Principal
      Balance

                            	
                              Balance

                            
	
                              0

                            	
                              0

                            	
                              $0.00

                            	
                              $0.00

                            	
                              $0.00

                            


                    

                  

                

              

            

          

        

      

    

    
      
        
          
            
              
                
                  
                    
                      
                        
                          	
                                  Principal
      Calculation

                                	 
      	 
      
	
                                  1.  Monthly Principal
      Due

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  2.  Current
      Curtailments

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  3.  Liquidations

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  4.  Other (attach
      explanation)

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  5.  Principal
      Due

                                	 
      	
                                  $0.00

                                
	
                                  6.  Interest
      (reported
      "gross")

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  7.  Interest Adjustments
      on Curtailments

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  8.  Servicing
      Fees

                                	
                                  -

                                	
                                  $0.00

                                
	
                                  9.  Other Interest
      (attach explanation)

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  10.
      Interest Due
                         (need to
      subtract ser fee)

                                	 
      	
                                  $0.00

                                
	
                                  Remittance
      Calculation

                                	 
      	 
      
	
                                  11.  Total Principal and
      Interest Due (lines 5+10)

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  12.  Reimbursement of
      Non-Recoverable Advances

                                	
                                  -

                                	
                                  $0.00

                                
	
                                  13.  Total Realized
      gains

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  14.  Total Realized
      Losses

                                	
                                  -

                                	
                                  $0.00

                                
	
                                  15.  Total Prepayment
      Penalties

                                	
                                  +

                                	
                                  $0.00

                                
	
                                  16.  Total Non-Supported
      Compensating Interest

                                	
                                  -

                                	
                                  $0.00

                                
	
                                  17.  Other (attach
      explanation)

                                	 
      	
                                  $0.00

                                
	
                                  18.  Net Funds Due on or
      before Remittance Date

                                	
                                  $

                                	
                                  $0.00

                                


                        

                      

                    

                  

                

              

            

          

        

      

    

    
 

    
      
        
          
            

          

        

        Page 18 of 28

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

     

    
      	
              

            	
              Corporate
      Trust Services

              Servicer
      File Load Requirements

              For
      Trustee Reporting

            	
              Wells
      Fargo Bank, NA

              9062
      Old Annapolis Road

              Columbia,
      MD 21045

              (410)
      884-2000 (phone)

               

            


    

     

    Exhibit
2: Monthly Summary Report by Single Investor (continued)

    


    
      
        	
                Section 2. Delinquency
      Reporting

              	 
      	 
      	 
      	 
      	 
      
	
                Installments
      Delinquent

              
	
                Total No.

              	
                Total No.

              	 
      	 
      	 
      	
                In

              	
                Real Estate

              	
                Total
  Dollar

              
	
                of

              	
                of

              	
                30-

              	
                60-

              	
                90 or more

              	
                Foreclosure

              	
                Owned

              	
                Amount
of

              
	
                Loans

              	
                Delinquencies

              	
                Days

              	
                Days

              	
                Days

              	
                (Optional)

              	
                (Optional)

              	
                Delinquencies

              
	
                0

              	
                0

              	
                0

              	
                0

              	
                0

              	
                0

              	
                0

              	
                $0.00

              


      

    

    


    
      
        	
                Section 3.  REG AB
      Summary Reporting - REPORT ALL APPLICABLE FIELDS

              
	
                REG AB
    FIELDS

              	
                LOAN COUNT

              	
                BALANCE

              
	
                PREPAYMENT  PENALTY
      AMT

              	
                0

              	
                $0.00

              
	
                PREPAYMENT PENALTY AMT
      WAIVED

              	
                0

              	
                $0.00

              
	
                DELINQUENCY P&I
      AMOUNT

              	
                0

              	
                $0.00

              


      

    

     

    
      
        
          
            

          

        

        Page 19 of 28

      

       

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services

       

    

    
      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Trustee Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      Exhibit
3: Supplemental Prepayment Period Reporting File Layout

      


      
        
          
            
              
                
                  
                    
                      
                        	 	
                                Column Name

                              	 
      	
                                Description

                              	 
      	
                                Decimal

                              	 
      	
                                Format
    Comment

                              	 
      	
                                Max
Size

                              
	 	
                                LOAN_NBR

                              	 
      	
                                A
      unique identifier assigned to each loan by the investor.

                              	 
      	 
      	 
      	
                                Text
      up to 10 digits

                              	 
      	
                                10

                              
	 	
                                SERVICER_LOAN_NBR

                              	 
      	
                                A
      unique number assigned to a loan by the Servicer. This may be different
      than the LOAN_NBR.

                              	 
      	 
      	 
      	
                                Text
      up to 10 digits

                              	 
      	
                                10

                              
	 	
                                LIQUIDATION_AMOUNT

                              	 
      	
                                The
      loan “paid in full” amount as reported by the Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                PIF_DATE

                              	 
      	
                                The
      paid in full date as reported by the Servicer.

                              	 
      	 
      	 
      	
                                MM/DD/YYYY

                              	 
      	
                                10

                              
	 	
                                ACTL_END_PRIN_BAL

                              	 
      	
                                The
      borrower's actual principal balance at the end of the processing
      cycle.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                SCHED_END_PRIN_BAL

                              	 
      	
                                The
      scheduled principal balance due to investors at the end of a processing
      cycle.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                CURTAILMENT_AMT

                              	 
      	
                                Total
      curtailment amount to be applied.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                CURTAILMENT_DATE

                              	 
      	
                                Curtailment
      date

                              	 
      	 
      	 
      	
                                MM/DD/YYYY

                              	 
      	
                                10

                              
	 	
                                PREPAY_PENALTY_
      AMT

                              	 
      	
                                The
      penalty amount received when a borrower prepays on his loan as reported by
      the Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                PREPAY_PENALTY_
      WAIVED

                              	 
      	
                                The
      prepayment penalty amount for the loan waived by the
    Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                PREPAYMENT_PENALTY_SERVICER
      PAID

                              	 
      	
                                The
      prepayment penalty amount for the loan paid by the
    Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                PREPAY_PENALTY_BORROWER
      PAID

                              	 
      	
                                The
      prepayment penalty amount for the loan paid by the
    borrower.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                BREACH_FLAG

                              	 
      	
                                Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                              	 
      	 
      	 
      	
                                Y=Breach

                                N=NO
      Breach

                                Let
      blank if N/A

                              	 
      	
                                1

                              
	 	
                                ACTION_CODE

                              	
                                  

                              	
                                The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan. This is a required field.

                              	
                                  

                              	 
      	
                                  

                              	
                                Refer
      to Exhibit 6 for valid codes.  Field cannot be
    null.

                              	
                                  

                              	
                                2

                              


                      

                    

                  

                

              

            

          

        

      

      
         

      

      
        
          

        
Page 20 of 28

        

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

      


      
        
          
            
              	
                      

                    	
                      Corporate
      Trust Services

                      Servicer
      File Load Requirements

                      For
      Trustee Reporting

                    	
                      Wells
      Fargo Bank, NA

                      9062
      Old Annapolis Road

                      Columbia,
      MD 21045

                      (410)
      884-2000 (phone)

                    


            

          

        

      

      


      Exhibit
4: Supplemental REG AB File Layout

      


      
        
          
            
              
                
                  
                    
                      
                        	 	
                                Column Name

                              	 
      	
                                Description

                              	 
      	
                                Decimal

                              	 
      	
                                Format
    Comment

                              	 
      	
                                Max
Size

                              
	 	
                                SER_INVESTOR_NBR

                              	 
      	
                                A
      value assigned by the Servicer to define a group of loans.

                              	 
      	 
      	 
      	
                                Text up to 20
      digits

                              	 
      	
                                20

                              
	 	
                                LOAN_NBR

                              	 
      	
                                A
      unique identifier assigned to each loan by the investor.

                              	 
      	 
      	 
      	
                                Text
      up to 10 digits

                              	 
      	
                                10

                              
	 	
                                SERVICER_LOAN_NBR

                              	 
      	
                                A
      unique number assigned to a loan by the Servicer. This may be different
      than the LOAN_NBR.

                              	 
      	 
      	 
      	
                                Text
      up to 10 digits

                              	 
      	
                                10

                              
	 	
                                PREPAY_PENALTY_
      AMT

                              	 
      	
                                The
      penalty amount received when a borrower prepays on his loan as reported by
      the Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                PREPAY_PENALTY_
      WAIVED

                              	 
      	
                                The
      prepayment penalty amount for the loan waived by the
    Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                MOD_DATE

                              	 
      	
                                The
      effective Payment Date of the Modification for the loan.

                              	 
      	 
      	 
      	
                                MM/DD/YYYY

                              	 
      	
                                10

                              
	 	
                                DELINQ_P&I_ADVANCE_AMT

                              	 
      	
                                The
      current outstanding principal and interest advances made by
      Servicer.

                              	 
      	
                                2

                              	 
      	
                                No
      commas(,) or dollar signs ($)

                              	 
      	
                                11

                              
	 	
                                ACTION_CODE

                              	 
      	
                                The
      standard FNMA numeric code used to indicate the default/delinquent status
      of a particular loan. This is a required field.

                              	 
      	 
      	 
      	
                                Refer
      to Exhibit 4 for valid codes.  Field cannot be
    null.

                              	 
      	
                                2

                              
	 	
                                BORR_NEXT_PAY_DUE_DATE

                              	 
      	
                                The
      date at the end of processing cycle that the borrower's next payment is
      due to the Servicer, as reported by Servicer.

                              	 
      	 
      	 
      	
                                MM/DD/YYYY

                              	 
      	
                                10

                              
	 	
                                BREACH_FLAG

                              	
                                  

                              	
                                Flag
      to indicate if the repurchase of a loan is due to a breach of
      Representations and Warranties

                              	
                                  

                              	 
      	
                                  

                              	
                                Y=Breach

                                N=NO
      Breach

                                Let
      blank if N/A

                              	
                                  

                              	
                                1

                              


                      

                    

                  

                

              

            

          

        

      

      
        
          
             

          

          
            
              

            
Page 21 of 28

            

        

      

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

      


      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        For
      Trustee Reporting

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

      


      Exhibit
5: Supplemental Modification File Layout

      


      
        
          
            
              
                
                  
                    
                      	 	
                              Column Name

                            	 
      	
                              Description

                            	 
      	
                              Decimal

                            	 
      	
                              Format
    Comment

                            	 
      	
                              Max
Size

                            
	 	
                              LOAN_NBR

                            	 
      	
                              A
      unique identifier assigned to each loan by the investor.

                            	 
      	 
      	 
      	
                              Text
      up to 10 digits

                            	 
      	
                              10

                            
	 	
                              SERVICER_NBR

                            	 
      	
                              A
      value assigned by the investor to define a group of loans.

                            	 
      	 
      	 
      	
                              Text up to 4 digits

                            	 
      	
                              4

                            
	 	
                              MOD_DATE

                            	 
      	
                              The
      first loan payment date on which the modified loan terms become
      effective.  This field is required if any of the below fields
      are populated with a value.

                            	 
      	 
      	 
      	
                              Any
      valid date greater than loan origination
      date.  (MM/DD/YYYY).  If the loan is not modified this
      field should be blank.

                            	 
      	
                              10

                            
	 	
                              CAPITALIZED_AMOUNT

                            	 
      	
                              The
      amount added to actual outstanding principal balance owed by the borrower
      due to a modification.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              TOTAL_SERVICING_ADVANCES

                            	 
      	
                              The
      total amount advanced by the Servicer for the loan modification, which can
      be comprised of Attorney Fees, Appraisal Fees, Inspection Fees, and other
      items as defined in the governing documents.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              SERVICING_FEE_ADVANCES

                            	 
      	
                              The
      total amount of servicing fees for delinquent payments that has been
      advanced by the Servicer for the loan modification.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              ESCROW_ADVANCES

                            	 
      	
                              The
      total amount of escrow advances made by the Servicer on the loan
      modification, which can include insurance, taxes, mortgage insurance, and
      other items as defined in the governing documents.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              INTEREST_ADVANCES

                            	 
      	
                              The
      total amount of Net
      interest that has been advanced by the Servicer for the loan’s
      modification delinquent payments

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If Interest Advances exist the loan must
      have either Capitalized Amount or Interest Forgiveness Amount associated
      with it.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              MODIFIED_BEGINNING_BALANCE

                            	 
      	
                              The
      beginning principal balance that is owed by the borrower as of the
      Modification Effective Date per the modification
agreement.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              MODIFIED_INTEREST_RATE

                            	 
      	
                              The
      gross interest rate for the loan beginning on the Modification Effective
      Date per the modification agreement.

                            	 
      	
                              4

                            	 
      	
                              Must
      be a positive number.  Max length of 6. If not applicable this
      field should be blank.

                            	 
      	
                              6

                            
	 	
                              MODIFIED_P&_AMOUNT

                            	 
      	
                              The
      total principal and interest payment due for the loan beginning on the
      Modification Effective Date per the modification
agreement.

                            	 
      	
                              2

                            	 
      	
                              Must
      be a positive number.  If not applicable this field should be
      blank.

                            	 
      	
                              11

                            
	 	
                              MODIFIED_BALLOON_AMOUNT

                            	
                                

                            	
                              The
      balloon payment amount on the loan per the modification
      agreement.

                            	
                                

                            	
                              2

                            	
                                

                            	
                              Must
      be a positive number.  If Modified Balloon is populated then
      Modified Balloon Amount cannot be null.

                            	
                                

                            	
                              11

                            


                    

                  

                

              

            

          

        

      

      
        
          
             

          

          
            
              

            
Page 22 of 28

            

        

      

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

      


      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Trustee Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                     

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        	 	
                                Column
      Name

                              	 
      	
                                Description

                              	 
      	
                                Decimal

                              	 
      	
                                Format
      Comment

                              	 
      	
                                Max
Size

                              
	 	
                                MODIFIED_BALLOON_DATE

                              	 
      	
                                The
      date on which the balloon payment is due per the modification
      agreement.  The value in this field could be populated if a
      balloon payment is being created or changed through the modification of
      the loan.

                              	 
      	 
      	 
      	
                                Any
      valid date (MM/DD/YYYY) – Note: Cannot be beyond the final maturity
      date of loan.  If Modified Balloon Amount has a value, Modified
      Balloon Date must have a value.  If not applicable this field
      should be blank.

                              	 
      	
                                10

                              
	 	
                                MODIFIED_MATURITY_DATE

                              	 
      	
                                The
      maturity date of the loan per the modification agreement.

                              	 
      	 
      	 
      	
                                Any
      valid date (MM/DD/YYYY) – If not applicable this field should be
      blank.

                              	 
      	
                                10

                              
	 	
                                PRINCIPAL_FORGIVENESS

                              	 
      	
                                The
      total amount of principal due that has been waived or forgiven by the
      Servicer per the modification agreement.

                              	 
      	
                                2

                              	 
      	
                                Must
      be a positive number.  If not this field should be
      blank.

                              	 
      	
                                11

                              
	 	
                                INTEREST_FORGIVENESS

                              	 
      	
                                The
      total amount of interest due that have been waived or forgiven by the
      Servicer per modification agreement.

                              	 
      	
                                2

                              	 
      	
                                Must
      be a positive number.  If not this field should be
      blank

                              	 
      	
                                11

                              
	 	
                                EXPENSE_FORGIVENESS

                              	 
      	
                                The
      total amount of expenses due that has been waived or forgiven by the
      Servicer per the modification agreement.

                              	 
      	
                                2

                              	 
      	
                                Must
      be a positive number.  If not this field should be
      blank

                              	 
      	
                                11

                              
	 	
                                ARM_TO_FIXED_CONVERSION

                              	 
      	
                                Indicates
      if the loan is an adjustable rate mortgage (ARM) loan that has been
      converted to a fixed rate loan per the modification agreement; not through
      existing provisions of the original ARM parameters.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                FIXED_TO_ARM_CONVERSION

                              	 
      	
                                Indicates
      if the loan is a fixed rate loan that has been converted to an adjustable
      rate mortgage (ARM) loan per the modification agreement.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                IO_TO_FULLY_AMORTIZED_
CONVERSION

                              	 
      	
                                Indicates
      if the loan payments were comprised of interest only and have been
      converted to fully amortizing loan payments per the modification
      agreement.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                FULLY_AMORTIZED_TO_IO_
CONVERSION

                              	 
      	
                                Indicates
      if the loan payments were fully amortizing and have been converted to
      interest only payments.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                TEMPORARY_MODIFICATION

                              	 
      	
                                Indicates
      if the modified loan terms are in effect only for a specified time period,
      after which the original loan terms are reinstated.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                GRADUATED_RATE_OR_PAYMENT_
MODIFICATION

                              	 
      	
                                Indicates
      if the modified terms consist of graduated rates and/or payments for a
      loan, or if the loan’s previously existing graduated rate and/or payment
      schedule is being changed per the modification agreement.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                
                                  MODIFIED_NEXT_PAYMENT_ADJUST_DATE

                                

                              	
                                  

                              	
                                The
      date on which the next payment adjustment is scheduled to occur for an
      adjustable rate mortgage (ARM) loan per the modification
      agreement.

                              	
                                  

                              	 
      	
                                  

                              	
                                Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                              	
                                  

                              	
                                10

                              


                      

                    

                  

                

              

            

          

        

      

      
         

      

      
        
          

        
Page 23 of 28

        

      
        Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

      
          


        
          
            
              	
                      

                    	
                      Corporate
      Trust Services

                      Servicer
      File Load Requirements

                      For
      Trustee Reporting

                    	
                      Wells
      Fargo Bank, NA

                      9062
      Old Annapolis Road

                      Columbia,
      MD 21045

                      (410)
      884-2000 (phone)

                       

                    


            

          

        

        
          
            
              
                
                  
                    
                      
                          

                      

                    

                  

                

              

            

          

        

      

      
        
          
            
              
                
                  
                    
                      
                        	 	
                                Column
      Name

                              	 
      	
                                Description

                              	 
      	
                                Decimal

                              	 
      	
                                Format
      Comment

                              	 
      	
                                Max
Size

                              
	 	
                                MODIFIED_NEXT_INTEREST_RATE_
ADJUST_DATE

                              	 
      	
                                The
      date on which the next interest rate adjustment is scheduled to occur for
      an adjustable rate mortgage (ARM) loan per the modification
      agreement.

                              	 
      	 
      	 
      	
                                Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                              	 
      	
                                10

                              
	 	
                                MODIFIED_ARM_PARAMETER

                              	 
      	
                                Indicates
      if the loan’s existing ARM parameters are changing (and it is remaining an
      ARM loan) per the modification agreement.

                              	 
      	 
      	 
      	
                                Y/N
      must be populated for any loan with a Modification Effective
      Date.  If no value is provided for this field (Null Value) it
      will be treated as “N”.

                              	 
      	
                                1

                              
	 	
                                BORROWER_SEGMENTATION_CODE

                              	 
      	
                                Indicates
      which segment a subprime ARM loan is classified under, based on the
      American Securitization Forum's Streamlined Foreclosure and Loss Avoidance
      Framework for Securitized Subprime Adjustable Rate Mortgage
      Loans.  At this time, Servicers only need to report loans that
      are classified as “Segment 2”, which includes current loans where the
      borrower is unlikely to be able to refinance into any readily available
      mortgage industry product.

                              	 
      	 
      	 
      	
                                Must
      be populated with a 2 if the loan falls under the ASF streamlined
      foreclosure and loss avoidance framework for Modifications, otherwise the
      value should be blank.  If Borrower Segmentation Code of “2” is
      reported, the population of “Modified Next Payment Adjustment Date” and
      Modified Next Interest Rate Adjust Date is required.

                              	 
      	
                                1

                              
	 	
                                APPROVAL_FROM_OUTSIDE_PARTY

                              	 
      	
                                If
      the governing documents require another party’s approval to allow
      additional modifications after the Modification Limit (as defined in the
      governing documents) has been exceeded.

                              	 
      	 
      	 
      	
                                Y/N
      Blank:

                                 Yes
      indicates that the required party’s approval of the modification has been
      obtained by the Servicer.  No indicates that the approval has
      not be obtained.  Blank indicates this field is not
      applicable.

                              	 
      	
                                1

                              
	 	
                                NON-INTEREST_BEARING_PRINCIPAL_
DEFERRED_AMOUNT

                              	 
      	
                                The
      total amount of principal deferred by the modification. Deferred amounts
      are not subject to interest bearing accrual.  This field is
      preferred to be reported as part of the monthly remittance file, but must
      be reported in this supplemental file if not reported on the monthly
      remittance file.

                              	 
      	
                                2

                              	 
      	
                                Must
      be a positive number. If not applicable this field should be
      blank.

                              	 
      	
                                11

                              
	 	
                                NON-INT_BEARING_DEFERRED_INT_
AND_FEES_AMT

                              	 
      	
                                The
      total amount of interest and expenses deferred by the modification that
      are not subject to interest accrual. Deferred amounts are not subject to
      interest accrual. This field is preferred to be reported as part of the
      monthly remittance file, but must be reported in this supplemental file if
      not reported on the monthly remittance file.

                              	 
      	
                                2

                              	 
      	
                                Must
      be a positive number. If not applicable this field should be
      blank.

                              	 
      	
                                11

                              
	 	
                                NON-INTEREST_BEARING_DEFERRED_
PAID_IN_FULL_AMOUNT

                              	
                                  

                              	
                                This
      value is to be reported when any principal forbearance loan modification
      either liquidates or is paid in full. This separate field is needed
      because most Servicers separately track the principal forbearance amount
      and thus the existing paid in full amount field will not work since it
      will incur interest on most Servicing systems and will only include the
      amount that is required to pay off the amortization
    balance.

                              	
                                  

                              	
                                2

                              	
                                  

                              	
                                Must
      be a positive number. If not applicable this field should be
      blank.

                              	
                                  

                              	
                                11

                              


                      

                    

                  

                

              

            

          

        

      

      
        
           

        

        
          
            

          
Page 24 of 28

          

      

      Please be advised that failure to comply with
any or all of the guidelines entailed herein may
result in issuance of late reporting fees.

      Direct reporting questions to: ServicerConnect@wellsfargo.com

      


      © Copyright Wells Fargo Bank, Corporate
Trust Services


      
        
           


        

        
          
          

          
            

          

        

        
           


        

      

    

    
      


      
        
          
            
              
                	
                        

                      	
                        Corporate
      Trust Services

                        Servicer
      File Load Requirements

                        
                          For
      Trustee Reporting

                        

                      	
                        Wells
      Fargo Bank, NA

                        9062
      Old Annapolis Road

                        Columbia,
      MD 21045

                        (410)
      884-2000
(phone)

                      


              

            

          

        

      

      
 

      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      
                                        
                                          
                                            
                                              	 	
                                                      Column
      Name

                                                    	 	
                                                      Description

                                                    	 	
                                                      Decimal

                                                    	 	
                                                      Format
      Comment

                                                    	
                                                      Max

                                                      Size

                                                    
	 	
                                                      ACTUAL_ENDING_BALANCE_

                                                      TOTAL_DEBT_OWED

                                                    	 	
                                                      Formerly
      the field named “Actual Ending Balance Including Deferred
      Amount”.  For a loan with principal forbearance, the value in
      this field will be the sum of the actual ending balance field already
      supplied on the file plus the deferred amount.  For all other
      loans, it is their actual ending balance.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number.

                                                    	
                                                      11

                                                    
	 	
                                                      SCHEDULED_ENDING_BALANCE_

                                                      TOTAL_DEBT_OWED

                                                    	 	
                                                      Formerly
      the field named “Scheduled Ending Balance Including Deferred
      Amount”.   For a loan with principal forbearance, the value
      in this field will be the sum of the scheduled ending balance field
      already supplied on the file plus the deferred amount. For all other
      loans, it is their scheduled ending balance.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number.

                                                    	
                                                      11

                                                    
	 	
                                                      Plus
      the following applicable GRM/GPM modification fields:

                                                    	 	 
      	 	 
      	 
      
	 	
                                                      GRADUATED_DATE

                                                    	 	
                                                      The
      date(s) at which the next rate and/or payment change will occur per the
      loan modification agreement.  All dates must be provided, not
      just the first change unless there is only a single change
      date.

                                                    	 	 
      	 	
                                                      Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                                    	
                                                      10

                                                    
	 	
                                                      GRADUATED_RATE

                                                    	 	
                                                      The
      rate(s) that will apply at each change date as stated in the loan
      modification agreement.  All rates must be provided, not just
      the first change rate unless there is only a single change
      date.

                                                    	 	
                                                      4

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	
                                                      7

                                                    
	 	
                                                      GRADUATED_PAYMENT

                                                    	 	
                                                      The
      payment(s) that will apply at each change date as stated in the loan
      modification agreement. All payments must be provided, not just the first
      change payment unless there is only a single change date.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	
                                                      11

                                                    
	 	
                                                      Plus
      the following applicable HAMP modification fields:

                                                    	 	 
      	 	 
      	 
      
	 	
                                                      MONTHLY_PAYMENT_REDUCTION_

                                                      COST_SHARE

                                                    	 	
                                                      The
      subsidized payment from Treasury/FNMA to reimburse the investor for one
      half of the cost of reducing the monthly payment from 38% to 31% Front-End
      DTI.  This value represents the amount for the current cycle
      only.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	
                                                      11

                                                    
	 	
                                                      BORROWER_PAY-FOR-PERFORMANCE_

                                                      SUCCESS_PAYMENTS

                                                    	 	
                                                      The
      amount paid to the servicer from U.S. Treasury/FNMA that reduces the
      principal balance of the interest bearing portion of the loan as the
      borrower stays current after modification.  This amount is
      applied annually up to a maximum of $1,000 for up to five
      years.  Reported for the related period as received by the
      servicer from FNMA.  This value represents the amount for the
      current cycle only.

                                                    	 	
                                                      2

                                                    	 	
                                                      Must
      be a positive number. If not applicable this field should be
      blank.

                                                    	
                                                      11

                                                    
	 	
                                                      ONE-TIME_BONUS_INCENTIVE_

                                                      ELIGIBILITY

                                                    	 	
                                                      Y=Yes
      - The loan qualifies for the one-time bonus incentive payment of $1,500.00
      payable to the mortgage holder subject to certain de minimis
      constraints.

                                                    	 	 
      	 	
                                                      Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                                    	
                                                      3

                                                    


                                            

                                          

                                        

                                      

                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

       

        
          

        

      

      Page
25 of 28

        

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com


      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Trustee Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	
                                              Max

                                              Size

                                            
	 	
                                              ONE-TIME_BONUS_

                                              INCENTIVE_AMOUNT

                                            	 	
                                              $1,500
      paid to mortgage holders for modifications made while a borrower is still
      current on mortgage payments. This value represents the amount for the
      current cycle only.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	
                                              11

                                            
	 	
                                              HOME_PRICE_DEPRECIATION_

                                              PAYMENTS

                                            	 	
                                              Amount
      payable to mortgage holders to partially offset probable losses from home
      price declines. This will be structured as a simple cash payment on each
      modified loan while the loan remains active in the
      program.  Payments of accrued HPDP incentives will be made on an
      annual basis on each of the first anniversary and the second anniversary
      of the date on which the first trial period payment is due under the Trial
      Period Plan.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	
                                              11

                                            
	 	
                                              LOAN_PARTICIPATION_

                                              END_DATE

                                            	 	
                                              The
      date upon which the last P&I payment is due during the 60-month
      participation of the U. S. Treasury and FNMA in the loan modification. For
      example, if the trial modification occurs April, May, and June of 2009
      then the first P&I payment of the 60-month participation begins with
      the July 2009 P&I payment. The last P&I payment of the 60-month
      program participation ends June 2014.  Enter in the last payment
      date of the 60-month participation period.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	
                                              10

                                            
	 	
                                              LOAN_MODIFICATION_INCENTIVE_

                                              TERMINATION_DATE

                                            	 	
                                              The
      date upon which borrower participation in the program is terminated
      because the borrower has defaulted or re-defaulted.  Re-default
      or Loss of Good Standing is defined under the HAMP guidelines as three
      monthly payments are due and unpaid on the last day of the third
      month.

                                            	 	 
      	 	
                                              Any
      valid date. (MM/DD/YYYY). If not applicable this field should be
      blank.

                                            	
                                              10

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      
         

          
            

          

        

        Page
26 of 28

          

      

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services



      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Trustee Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

      


      
        
          
            
              
                
                  
                    
                      
                        
                          
                            
                              
                                
                                  
                                    
                                      	 	
                                              Column
      Name

                                            	 	
                                              Description

                                            	 	
                                              Decimal

                                            	 	
                                              Format
      Comment

                                            	
                                              Max

                                              Size

                                            
	 	
                                              MODIFIED_INTEREST_RATE_CAP

                                            	 	
                                              The
      modified interest rate must remain in place for 60 months, after which
      time the interest rate will be gradually increased 1% per year or such
      lesser amount as may be needed until the interest rate reaches the
      Modified Interest Rate Cap. The Modified Interest Rate Cap determined as
      of the date the modification document is prepared is the greater of (i)
      the fully amortizing contractual rate as modified to achieve 31% DTI or
      (ii) the Freddie Mac Primary Mortgage Market Survey rate for 30year fixed
      rate conforming mortgage loans, rounded to the nearest 0.125%, as of the
      date that the modification document is prepared.  If the
      modified rate exceeds the Freddie Mac Primary Mortgage Market Survey rate
      in effect on the date the modification document is prepared, the modified
      rate will be the new note rate for the remaining loan
      term.  However, if the Freddie Mac Primary Mortgage Market
      Survey rate exceeds the modified rate, then the rate at which interest
      accrues will be increased to the Freddie Mac Primary Mortgage Market
      Survey rate after the end of the 60-month period during which the loan is
      monitored by FNMA for participation as an HAMP modified
    loan.

                                            	 	
                                              4

                                            	 	
                                              Must
      be a value greater than zero. If not applicable this field should be
      blank.

                                            	
                                              7

                                            
	 	
                                              ADMIN_FEES_ASSOC_WITH_

                                              PARTICIPATING_IN_PROGRAM

                                            	 	
                                              Fees
      incurred by the Servicer while administering this program, as allowed by
      governing document provisions.

                                            	 	
                                              2

                                            	 	
                                              Must
      be a positive number. If not applicable this field should be
      blank.

                                            	
                                              11

                                            
	 	
                                              MODIFICATION_TYPE

                                            	 	
                                              This
      will distinguish HAMP modifications from other non-HAMP
      modifications.

                                            	 	 
      	 	
                                              "HMP"
      for HAMP modifications, or other identified code is also
      acceptable.

                                            	
                                              10

                                            


                                    

                                  

                                

                              

                            

                          

                        

                      

                    

                  

                

              

            

          

        

      

      
         

          
            

          

        

        Page
27 of 28

          

      

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services

       

      
        
           


        

        
          
          

          
            

          

        

        
           


        

      
 

      
        
          
            	
                    

                  	
                    Corporate
      Trust Services

                    Servicer
      File Load Requirements

                    For
      Trustee Reporting

                  	
                    Wells
      Fargo Bank, NA

                    9062
      Old Annapolis Road

                    Columbia,
      MD 21045

                    (410)
      884-2000 (phone)

                  


          

        

      

       

      
        
          
            
              Exhibit
6: Action Codes

               

              
                
                  
                    
                      	
                              Action
      Code

                            	
                              Description

                            
	
                              0

                            	
                              No
      Action

                            
	
                              12

                            	
                              Relief
      Provision

                            
	
                              15

                            	
                              Bankruptcy

                            
	
                              20

                            	
                              Loss
      Mitigation

                            
	
                              25

                            	
                              Money
      Judgment

                            
	
                              30

                            	
                              Decision
      for Foreclosure

                            
	
                              40

                            	
                              Inactivation

                            
	
                              60

                            	
                              Loan
      Paid in Full

                            
	
                              63

                            	
                              Substitution

                            
	
                              65

                            	
                              Repurchase

                            
	
                              67

                            	
                              Modifiable
      ARMs

                            
	
                              70

                            	
                              REO

                            
	
                              71

                            	
                              3rd
      Party Foreclosure

                            
	
                              72

                            	
                              Foreclosure
      with
Claim

                            


                    

                  

                

              

            

          

        

      

      
         

          
            

          

        

        Page
28 of 28

          

      

      Please
be advised that failure to comply with any or all of the guidelines
entailed herein may result in issuance of late reporting fees.

      Direct
reporting questions to: ServicerConnect@wellsfargo.com

      


      ©
Copyright Wells Fargo Bank, Corporate Trust Services