Exhibit 33.5

[SunTrust Mortgage Logo]

Certification Regarding Compliance with Applicable Servicing Criteria



|1. | SunTrust Mortgage, Inc. is responsible for assessing compliance with the servicing criteria applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of and for the 12-month period ending
December 31, 2013 (the Reporting Period), as set forth in Appendix A hereto. The transactions covered by this report include asset-backed securities transactions for which SunTrust Mortgage, Inc. acted as servicer, involving
residential mortgage loans occurring after December 31, 2005 (the Platform) as listed in Appendix B;
|-- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|2. | SunTrust Mortgage, Inc. has engaged certain vendors, which are not deemed to be servicers as defined in Item 1101(j) of Regulation AB (the Vendors), to perform specific, limited or scripted activities,
and SunTrust Mortgage, Inc. elects to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to such Vendors activities as set forth in Appendix A hereto;
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|3. | Except as set forth in paragraph 4 below. SunTrust Mortgage, Inc. used the criteria set forth in paragraph(d) of Item 1122 of Regulation AB to assess the compliance with the applicable servicing criteria;
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|4. | The criteria listed in the column titled Inapplicable Servicing Criteria on Appendix A hereto are inapplicable to SunTrust Mortgage, Inc. based on the activities it performs, directly or through its Vendors,
with respect to the Platform;
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|5. | Except as set forth on Appendix C, SunTrust Mortgage, Inc. has complied, in all material respects, with the applicable servicing criteria as of December 31, 2013, and for the Reporting Period with respect to the
Platform taken as a whole;
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|6. | SunTrust Mortgage, Inc. has not identified and is not aware of any material instance of noncompliance by the Vendors with the applicable servicing criteria as of December 31, 2013, and for the Reporting Period with
respect to the Platform taken as a whole;
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|7. | Except as set forth on Appendix C, SunTrust Mortgage, Inc. has identified no material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria as of
December 31, 2013, and for the Reporting Period with respect to the Platform taken as a whole; and
|-- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|8. | Ernst and Young LLP, a registered public accounting firm, has issued an attestation report on SunTrust Mortgage, Inc.s assessment of compliance with the applicable servicing criteria for the Reporting Period.
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



|                                            |  |                                           
|------------------------------------------- |  | ------------------------------------------
|SunTrust Mortgage, Inc.                     |  | SunTrust Mortgage, Inc.                   
|                                            | 
|/s/ Michael R. Zarro, Jr.                   |  | /s/ Jane Gershman                         
|Executive VP  Servicing & Default Division |  | Senior VP  Servicing & Operation Division
|Dated: March 14, 2014                       |  | Dated: March 14, 2014                     



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APPENDIX A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------------------------- |  | -------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------ |  | ------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                    |  | INAPPLICABLESERVICINGCRITERIA           
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                        |  | PerformedDirectlybySunTrustMortgage,Inc. |  | Performed byVendor(s) forwhichSunTrustMortgage, Inc.is theResponsibleParty |  | Performed bysubservicer(s) orvendor(s) forwhich SunTrustMortgage, Inc.is NOT theResponsibleParty |  | NOT performedby SunTrustMortgage, Inc.or bysubservicer(s)or vender(s)retained bySunTrustMortgage, Inc.
|                   |  | General Servicing Considerations                                                                                                                                                                                                                                                                                                                                                |  |                                          |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(1)(i)      |  | Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.                                                                                                                                                                                                                        |  | ü                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(1)(ii)     |  | If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third partys performance and compliance with such servicing activities.                                                                                                                                                                            |  | ü                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(1)(iii)    |  | Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained.                                                                                                                                                                                                                                                               |  |                                          |  |                                                                            |  |                                                                                                  |  | ü                                                                                                     
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(1)(iv)     |  | A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of
the transaction agreements.                                                                                                               |  | ü                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|                   |  | Cash Collection and Administration                                                                                                                                                                                                                                                                                                                                              |  |                                          |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(2)(i)      |  | Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction
agreements.                                                                                                                                   |  | ü                                        |  | ü1                                                                         |  | ü2                                                                                               |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(2)(ii)     |  | Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.                                                                                                                                                                                                                                                           |  | ü                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(2)(iii)    |  | Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.                                                                                                                                                       |  | ü                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(2)(iv)     |  | The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the
transaction agreements.                                                                                                                           |  | ü                                        |  |                                                                            |  | ü                                                                                                |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                          | 
|1122(d)(2)(v)      |  | Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, federally insured depository institution with respect to a
foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. |  | ü                                        |  |                                                                            |  |                                                                                                  |  | ü                                                                                                     



|ü1 | Vendors: SpeedPay, CheckFree, and Western Union in aggregate are responsible for the payments component of this criterion at levels less than 5%.
|-- | -------------------------------------------------------------------------------------------------------------------------------------------------

|ü2 | SunTrust Bank is responsible for the lockbox payments component of this criterion.
|-- | ----------------------------------------------------------------------------------



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|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|------------------ |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ----------------------------------------- |  | -------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------ |  | -------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | INAPPLICABLESERVICINGCRITERIA            
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |  | PerformedDirectlybySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhichSunTrustMortgage,Inc. is theResponsibleParty |  | Performed bysubservicer(s) orvendor(s) forwhich SunTrustMortgage, Inc.is NOT theResponsibleParty |  | NOTperformed bySunTrustMortgage, Inc.or bysubservicer(s)or vendor(s).retained bySunTrust Mortgage, Inc.
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(2)(vi)     |  | Unissued checks are safeguarded so as to prevent unauthorized access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(2)(vii)    |  | Reconciliations are prepared on a monthly basis for all asset- backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B)
prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain
explanations for reconciling items. These reconciling items are resolved within 90 calendar-days of their original identification, or such other number of days specified in the transaction
agreements. |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|                   |  | Investor Remittances and Reporting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  |                                           |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(3)(i)      |  | Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance
with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and
regulations; and (D) agree with investors or the trustees records as to the total unpaid principal balance and number of pool assets serviced by the Servicer.                                               |  | ü3                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(3)(ii)     |  | Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |  | ü3                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(3)(iii)    |  | Disbursements made to an investor are posted within two business days to the Servicers investor records, or such other number of days specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  | ü3                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(3)(iv)     |  | Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |  | ü3                                        |  |                                                                            |  |                                                                                                  |  |                                                                                                        



|ü3 | For purposes of assessing the servicing criteria listed in Items 1122(d)(3)(i)(iv), SunTrust Mortgage has determined, consistent with the Securities and Exchange Commission Telephone Interpretation 11.03, that the
investor for these purposes is the entity to which SunTrust Mortgage provides the related information (i.e., master servicer, trustee, etc.).
|-- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



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|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ----------------------------------------- |  | -------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------ |  | ------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | INAPPLICABLESERVICINGCRITERIA            
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |  | PerformedDirectlybySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhichSunTrustMortgage,Inc. is theResponsibleParty |  | Performed bysubservicer(s) orvendor(s) forwhich SunTrustMortgage, Inc.is NOT theResponsibleParty |  | NOT performedby SunTrustMortgage, Inc.or bysubservicer(s) orvendor(s)retained bySunTrustMortgage, Inc.
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|                   |  | Pool Asset Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |                                           |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(i)      |  | Collateral or security on pool assets is maintained as required by the transaction agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                     |  |                                           |  |                                                                            |  | ü4                                                                                               |  | ü                                                                                                     
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(ii)     |  | Pool asset and related documents are safeguarded as required by the transaction agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |  |                                           |  |                                                                            |  | ü4                                                                                               |  | ü                                                                                                     
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(iii)    |  | Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                           |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(iv)     |  | Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicers obligor records maintained no more than two business days after receipt, or such other number
of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents.                                                                                                                                                                          |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(v)      |  | The Servicers records regarding the pool assets agree with the Servicers records with respect to an obligors unpaid principal balance.                                                                                                                                                                                                                                                                                                                                                                                                                                             |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(vi)     |  | Changes with respect to the terms or status of an obligors pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related
pool asset documents.                                                                                                                                                                                                                                                                                                                               |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(vii)    |  | Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or
other requirements established by the transaction agreements.                                                                                                                                                                                                                                                                                |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(viii)   |  | Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period
specified in the transaction agreements, and describe the entitys activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g.,
illness or unemployment).                                                                        |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(ix)     |  | Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                          |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |  |                                           | 
|1122(d)(4)(x)      |  | Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligors pool asset documents, on at least an annual basis, or such other period specified in the
transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the
related pool assets, or such other number of days specified in the transaction agreements. |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                       



|ü4 | 1122(d)(4) (i), (ii) SunTrust Mortgage engages SunTrust Bank, its parent, to be custodian of certain mortgage loans
|-- | --------------------------------------------------------------------------------------------------------------------



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|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                           |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|------------------ |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ----------------------------------------- |  | -------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------ |  | -------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                    |  | INAPPLICABLESERVICINGCRITERIA            
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                        |  | PerformedDirectlybySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhichSunTrustMortgage,Inc. is theResponsibleParty |  | Performed bysubservicer(s) orvendor(s) forwhich SunTrustMortgage, Inc.is NOT theResponsibleParty |  | NOT performedby SunTrustMortgage, Inc.or bysubservicer(s) orvendor(s)retained bySunTrustMortgage, 
Inc.
|1122(d)(4)(xi)     |  | Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support
has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. |  | ü                                         |  |                                                                            |  | ü5                                                                                               |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                           | 
|1l22(d)(4)(xii)    |  | Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicers funds and not charged to the obligor, unless the late payment was due to the obligors error or
omission.                                                                                                                                                             |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                           | 
|1122(d)(4)(xiii)   |  | Disbursements made on behalf of an obligor are posted within two business days to the obligors records maintained by the Servicer, or such other number of days specified in the transaction agreements.                                                                                                                                                                                       |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                           | 
|1122(d)(4)(xiv)    |  | Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.                                                                                                                                                                                                                                                                |  | ü                                         |  |                                                                            |  |                                                                                                  |  |                                                                                                        
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                           | 
|1122(d)(4)(xv)     |  | Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements.                                                                                                                                                                                                                   |  |                                           |  |                                                                            |  |                                                                                                  |  | ü                                                                                                      





|ü5 | QBE aka Sterling National, aka ZC Sterling, Inc. (1/1/13 through 1/18/13) and Assurant, for the period thereafter are responsible for the insurance payments component of this criterion.
|-- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



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Appendix B



|     |  |               
|---- |  | --------------
|Year |  | Deal ID       
|2006 |  | GSAA 2006-1   
|2006 |  | BAFC 2006-1   
|2006 |  | SARM 2006-1   
|2006 |  | LXS 2006-1    
|2006 |  | BAFC 2006-2   
|2006 |  | JPALT 2006-SI 
|2006 |  | LXS 2006-3    
|2006 |  | LMT 2006-2    
|2006 |  | SASCO 2006-3H 
|2006 |  | MASTR 2006-1  
|2006 |  | CSMC 2006-3   
|2006 |  | GSAA 2006-5   
|2006 |  | MALT 2006-2   
|2006 |  | BAFC 2006-3   
|2006 |  | SARM 2006-3   
|2006 |  | JPALT 2006-S2 
|2006 |  | JPMMT 2006-A3 
|2006 |  | JPALT 2006-A2 
|2006 |  | CSMC 2006-4   
|2006 |  | LX2006-7      
|2006 |  | BSABS 2006-SD2
|2006 |  | CMLTI 2006-4  
|2006 |  | CSMC 2006-5   
|2006 |  | JPMMT 2006-A4 
|2006 |  | STALT 2006- 1F
|2006 |  | MASTR 2006-2  
|2006 |  | JPMMT 2006-S2 
|2006 |  | JPALT 2006-S3 
|2006 |  | MALT 2006-3   
|2006 |  | BAFC 2006-4   
|2006 |  | CSMC 2006-7   
|2006 |  | JPMMT2006-A5  
|2006 |  | LXS 2006-11   
|2006 |  | LMT2006-4     
|2006 |  | TMST 2006-5   
|2006 |  | GSAA 2006-14  
|2006 |  | LXS 2006-15   
|2006 |  | BAFC 2006-6   
|2006 |  | BAFC 2006-5   
|2006 |  | CSMC 2006-8   
|2006 |  | JPMMT 2006-A6 
|2006 |  | CSAB 2006-2   
|2006 |  | LMT 2006-7    



---

|     |  |                  
|---- |  | -----------------
|2006 |  | GSR 2006-9F      
|2006 |  | MASTR 2006-3     
|2006 |  | BSAB 2006-STI    
|2006 |  | BAFC 2006-7      
|2006 |  | CSMC 2006-9      
|2006 |  | GSAA 2006-17     
|2006 |  | GSAA 2006-19     
|2006 |  | JPALT 2006-S4    
|2006 |  | GSAA 2006-20     
|2007 |  | HALO 2007-AR1    
|2007 |  | MALT 2007-1      
|2007 |  | BAFC 2007-1      
|2007 |  | CMLTI 2007-AR1   
|2007 |  | CSMC 2007-1      
|2007 |  | STARM 2007-1     
|2007 |  | GSAA 2007-2      
|2007 |  | BAFC 2007-2      
|2007 |  | ARMT 2007-1      
|2007 |  | WMLT 2007-A      
|2007 |  | CSMC 2007-3      
|2007 |  | JPMMT 2007-S1    
|2007 |  | STARM 2007-2     
|2007 |  | BAFC 2007-3TC    
|2007 |  | CMLTI 2007-6     
|2007 |  | CSAB 2007-1      
|2007 |  | JPALT 2007-S1    
|2007 |  | BAFC 2007-4      
|2007 |  | ARMT 2007-2      
|2007 |  | JPMMT 2007-S2    
|2007 |  | CMLTI 2007-AR7   
|2007 |  | HarborView 2007-4
|2007 |  | STARM 2007-3     
|2007 |  | GSR 2007-4F      
|2007 |  | STARM 2007-S1    
|2007 |  | LMT 2007-7       
|2007 |  | BAFC 2007-6      
|2007 |  | CSMC 2007-5      
|2007 |  | HALO 2007-AR2    
|2007 |  | BAFC 2007-7      
|2007 |  | STARM 2007-4     
|2007 |  | BAFC 2007-8      
|2007 |  | CSMC 2007-6      
|2007 |  | MASTR 2007-1     
|2007 |  | HALO 2007-2      
|2007 |  | CMLTI 2007-10    



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|     |  |                 
|---- |  | ----------------
|2007 |  | CSMC 2007-7     
|2007 |  | MASTR 2007-2    
|2007 |  | GSR 2007-5F     
|2008 |  | BAFC 2008-1     
|2011 |  | SEMT 2011-2     
|2005 |  | 2005-QWH13      
|2006 |  | 2006-QS1        
|2006 |  | 2006-QS10       
|2006 |  | 2006-QS11       
|2006 |  | 2006-QS12       
|2006 |  | 2006-QS13       
|2006 |  | 2006-QS14       
|2006 |  | 2006-QS15       
|2006 |  | 2006-QS16       
|2006 |  | 2006-QS17       
|2006 |  | 2006-QS18       
|2006 |  | 2006-QS3        
|2006 |  | 2006-QS4        
|2006 |  | 2006-QS6        
|2006 |  | 2006-QS7        
|2006 |  | 2006-QS8        
|2006 |  | 2006-QS9        
|2006 |  | 2006-RS3        
|2006 |  | 2006-RS4        
|2006 |  | 2006-RS5        
|2006 |  | 2006-RS6        
|2006 |  | 2006-S10        
|2006 |  | 2006-S11        
|2006 |  | 2006-S12        
|2006 |  | 2006-S5         
|2006 |  | 2006-S6         
|2006 |  | 2006-S7         
|2006 |  | 2006-S8         
|2006 |  | 2006-S9         
|2006 |  | 2006-WH11       
|2007 |  | 2007-DBALT-RAMP1
|2007 |  | 2007-QA1        
|2007 |  | 2007-QA2        
|2007 |  | 2007-QS1        
|2007 |  | 2007-QS2        
|2007 |  | 2007-QS3        
|2007 |  | 2007-QS4        
|2007 |  | 2007-QS5        
|2007 |  | 2007-QS6        
|2007 |  | 2007-QS7        
|2007 |  | 2007-QS8        



---

|     |  |                   
|---- |  | ------------------
|2007 |  | 2007-QS9          
|2007 |  | 2007-RS1          
|2007 |  | 2007-RS2          
|2007 |  | 2007-RZ1          
|2007 |  | 2007-S1           
|2007 |  | 2007-S4           
|2007 |  | 2007-S8           
|2007 |  | 2007-SA1          
|2007 |  | 2007-SARM-3 LEHMAN
|2007 |  | 2007-SP2          
|2007 |  | 2007-SP3          



---

APPENDIX C

1122 (d)(2)(v)

SunTrust Mortgage, Inc. determined that
certain custodial accounts were not held at an institution with the required credit rating Set forth in the transaction documents.

Remediation
Activities

SunTrust Mortgage, Inc. transferred the affected custodial accounts to Bank of New York with the appropriate credit rating as of
November 30, 2013.

1122 (d)(4)(vi)

SunTrust
Mortgage, Inc. determined that certain loan modifications did not meet certain time requirements, certain communications with borrowers and with investors in connection with loss mitigation was not adequate or timely.

Remediation Activities

In September 2013, SunTrust
Mortgage, Inc. implemented new processes adding enhanced reporting to accurately capture aging of decisions. In addition, loss mitigation procedures have been updated, created additional investor requirements for monitoring, including
acknowledgement letters, evaluation timeframes and delinquency status criteria and strengthened its quality assurance inspection check points.

1122
(d)(4)(vii)

SunTrust Mortgage, Inc. experienced foreclosure timeline delays due to extended loss mitigation processing timelines, environmental delays
including those in the court system, and the implementation of new legislation and regulation.

Remediation Activities

In August 2012, SunTrust Mortgage, Inc. updated its procedures, created milestone tracking reports, enhanced its staffing models for this process and
strengthened its quality assurance inspection points, all directed towards ensuring that all controllable foreclosure timeline delays are addressed. Foreclosure loans pre August 2012 having missed original foreclosure timeline remain and are being
managed through the new foreclosure process controls.