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**KeyBank**

**Real      Estate Capital**

**Management's      Assertion on Compliance**

** with      the Specified Minimum Servicing Standards**

**Report      of Management**

|  /s/              Marty O'Connor                    |  /s/              Tony Nemec                      |
|----------------------------------------------------------|--------------------------------------------------------|
|  Marty              O'Connor                   |  Tony              Nemec                          |
|  Senior              Vice President            |  Vice              President, Investory Reporting |
|  Loan              Servicing & Asset Management |  and              Surveillance                    |
|                                                     |                                                   |
|                                                     |                                                   |
|  /s/Bryan              Nitcher                      |                                                   |
|  Bryan              Nitcher                         |                                                   |
|  Vice              President, Portfolio Management  |                                                   |

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**Exhibit        A**

**Specified      Minimum Servicing Standards**

*Uniform      Single Attestation Program for Mortgage Bankers, *

**I.      Custodial Bank Accounts**

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

-  be          mathematically accurate; 
-  be          prepared within forty-five (45) after the cutoff date; 
-  be          reviewed and approved by someone other than the person who prepared the          reconciliation;          and 
-  document          explanations for reconciling items. These reconciling items shall be          resolved          within ninety (90) calendar days of their original          identification. 

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

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

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

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

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

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

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

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

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**Exhibit      A**

**III.**
**Disbursements**

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

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

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

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

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

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

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

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

**V.**
**Mortgage      Loan Accounting**

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

| 2.   | Adjustments                on ARM loans shall be computed based on the related mortgage note                and any                ARM rider. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------|

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

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**Exhibit      A**

**VI.      Insurance Policies**

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

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