----

**Washington      Mutual**

**Management's        Assertion**

**  **

----

**                             **

**                                                                        Washington        Mutual**

**WASHINGTON        MUTUAL BANK AND SUBSIDIARIES**

**APPENDIX        I: MINIMUM SERVICING STANDARDS FOR SINGLE FAMILY RESIDENTIAL MORTGAGES        AS SET FORTH IN THE MORTGAGE BANKERS ASSOCIATION OF AMERICA'S        UNIFORM SINGLE ATTESTATION PROGRAM FOR MORTGAGE        BANKERS**

|  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) calendar days after the cutoff                    date |

|                         •   |    Be                    reviewed and approved by someone other than the person who prepared                    the Reconciliation |
|-----------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| •   |    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. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

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

| 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. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 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                    cancelled checks,                    or other form of payment, or custodial bank                    statements. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| 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. |
|----------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 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. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.   | Interest                    on escrow accounts shall be paid, or credited, to mortgagors                    in accordance                    with the applicable                    state laws. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.  | Records                    documenting collection efforts shall be maintained during the                    period a                    loan is in default and shall be updated at least monthly. Such                    records                    shall describe the entity's activities in monitoring delinquent                    loans                    including, for example, phone calls, letters and mortgage payment                    rescheduling plans in cases where the delinquency is deemed temporary                    (e.g., illness or unemployment). |
|----------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 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. |
|----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----