----

| 1.   | Based                on my knowledge, the information in the Annual Statement of Compliance,                the Annual Independent Public Accountants' Servicing Report and                all servicing reports, officer's certificates and other information                relating to the servicing of the Mortgage Loans submitted by the                Servicer                to the Master Servicer taken as a whole, does not contain any untrue                statement of a material fact or omit to state a material fact necessary                to                make the statements made, in light of the circumstances under which                such                statements were made, not misleading as of the date of this                certification; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | Based                on my knowledge, the servicing information required to be provided                to the                Master Servicer by the Servicer under the Servicing Agreement has                been                provided to the Master Servicer; |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | I                am responsible for reviewing the activities performed by the Servicer                under the Servicing Agreement and based upon my knowledge and the                review                required by the Servicing Agreement, and except as disclosed in the                Annual                Statement of Compliance, the Annual Independent Public Accountants'                Servicing Report and all servicing reports, officers certificates                and                other information relating to the servicing of the mortgage loans                submitted to the Master Servicer, the Servicer has, as of the date                of this                certification fulfilled its obligation under the Servicing Agreement;                and |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | I                have disclosed to the Master Servicer all significant deficiencies                relating to the Servicer's compliance with the minimum servicing                standards                based upon the                report provided by an independent public accountant after conducting                a                review in compliance with the Uniform Single Attestation Program                for                Mortgage                Bankers or similar standard as set forth in the Servicing                Agreement. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----