|   | ■                **Ernst & Young LLP**  | ■                **Phone: (412) 644-7800** |
|--------|--------------------------------------------------------|--------------------------------------------------|
|   | 2100                One PPG Place                 | www.ey.com                                       |
|   | Pittsburgh,                Pennsylvania 15222          |                                             |

**Report      on Management's Assertion on Compliance **

**with      the Specified Minimum Servicing Standards Set Forth in the**

*Uniform      Single Attestation Program for Mortgage Bankers*

**Report      of Independent Registered Public Accounting Firm**

*Report      of *
*Management,      *
*Report      of Management *
*Uniform      Single Attestation Program for Mortgage Bankers *

----

|   |         National                  City                  Home Loan Services, Inc. |
|--------|--------------------------------------------------------------------------------------------------------------------------|
|   |         P.O.                  Box 1838                                           |
|   |         Pittsburgh,                  PA                  15230-1838              |

*Uniform      Single Attestation Program*

*for      Mortgage Bankers*

*Uniform      Single Attestation Program for Mortgage *

*Bankers      *

|   | /s/                  Nanette M. Stevens       |
|--------|----------------------------------------------------------------------------------|
|   | Nanette                  M. Stevens                                              |
|   | Senior                  Vice President & General Manager                     |
|   |                                                                             |
|   | /s/                  Timothy C. Lulich                                           |
|   | Timothy                  C. Lulich                                               |
|   | Senior                  Vice President *&*Controller                         |

| National                  City Home Loan Services, Inc. is s subsidiary of National City                  Bank of                  Indiana. First Franklin and NationPoint are divisions of National                  City                  Bank of Indiana, which is a wholly-owned subsidiary of National                  City                  Corporation. National City Home Loan Services, Inc. services loans                  for the                  following affiliated entities as First Franklin Loan Services,                  National                  City Loan Services end NationPoint: National                  City                  Bank                                       National                  City Bank of                  Indiana                                         National                  City Bank of Kentucky National                  City Bank of the                  Midwest           National                  City Bank of                  Pennsylvania                              NationPoint |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

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

|   | a. | be                  mathematically accurate;                                                                                                                                                                                                                                                                                                                                                            |
|--------|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | b. | be                  prepared within forty-five (45) calendar days after the cutoff                  date. The                  cutoff date is the date as of which a bank account is reconciled                  every                  month. It may, or may not, coincide with a prescribed investor                  reporting                  date but shall be consistent from period to period;  |
|   | c. | be                  reviewed and approved by someone other than the person who prepared                  the                  reconciliation; and                                                                                                                                                                                                                                                       |
|   | d. | 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                  institution in trust for the applicable                  investor. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1. | Mortgage                  payments shall be deposited into the custodial bank accounts and                  related                  bank clearing accounts within two (2) 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 (2) business                  daysof                  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 (2)                  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. |  Unissued                  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 adjustable rate mortgage (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 (i.e., 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.  |
|----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----