**Exhibit      31.2**

**ANNUAL      COMPLIANCE REPORT**

** **

| 1. | I                have reviewed this annual report on Form 10-K in respect of the                Trust; |
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| 2. | Based                on my knowledge, the information in this annual report, 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 last day of the period covered by this annual                report; |
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| 3. | Based                on my knowledge, the distribution information required to be provided                to                the Depositor or the certificateholders by the Trustee under the                pooling                and servicing or similar agreement for inclusion in this annual report                is                included in this report; |
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| 4. | I                am responsible for reviewing the activities performed by the Trustee                under                the pooling and servicing or similar agreement and based on my knowledge,                except as disclosed in this annual report, the Trustee has fulfilled                its                obligations                under that agreement;                and |
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| 5. | This                annual report discloses all significant deficiencies relating to                the                Trustee’s compliance with the minimum servicing or similar 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 procedure, as set forth in                the                pooling and servicing or similar agreement, that is included in this                annual report. |
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|  /s/David                J. Kolibachuk                             |   |   |
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|  David                J. Kolibachuk, Vice                President |   |   |

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