Exhibit 33.4

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, 2015 (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, 2015, 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, 2015, and for the Reporting Period with
respect to the Platform taken as 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, 2015, 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/ Michael Squillante                                                                  
|Michael R Zarro, Jr. Executive Vice
President, Mortgage Operations Dated: February 26,
2016 |  |  |  | Michael Squillante Executive Vice
President, Mortgage Servicing Dated: February 26,
2016



---

Appendix A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                               |  |                                            |  |                                                                               |  |                                                                                                       |  |                                                                                                             
|------------------ |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------------ |  | ----------------------------------------------------------------------------- |  | ----------------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                 |  | INAPPLICABLE SERVICING CRITERIA           
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                      |  | PerformedDirectly bySunTrustMortgage, Inc. |  | Performed byVendor(s)
forwhich SunTrustMortgage, Inc. is theResponsible Party |  | Performed by subservicer(s) or vendor(s)for
which SunTrust Mortgage, Inc. IsNOT the Responsible Party |  | NOT performed bySunTrust Mortgage, Inc. or
bysub servicer(s) orvendor(s) retained by SunTrust Mortgage, 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 backup 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                                          |  |                                                                               |  |                                                                                                       |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                               |  |                                            | 
|1122(d)(1)(v)      |  | Aggregation of Information, as applicable, is mathematically accurate and the information conveyed accurately reflects the information.                                                                                                                                                                                                                                       |  | 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                                                                                                    |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                               |  |                                            | 
|11221d)(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                                          |  |                                                                               |  |                                                                                                       |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                               |  |                                            | 
|112241)(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                                          |  |                                                                               |  |                                                                                                       |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                               |  |                                            | 
|13.22(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 OD) of the Securities Exchange Act. |  | ü                                          |  |                                                                               |  |                                                                                                       |  |                                                                                                             





|1 | Speedpay, Checkfree, and Western Union (and certain affiliates or subsidiaries of Western Union) are responsible for a portion of the payments component of this criterion.
|- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------

|2 | SunTrust Bank is responsible for the lockbox payments component of this criterion.
|- | ----------------------------------------------------------------------------------



---

|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                            |  |                                                                              |  |                                                                                                     |  |                                                                                                             
|------------------ |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------------ |  | ---------------------------------------------------------------------------- |  | --------------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |  | INAPPLICABLE SERVICING CRITERIA           
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  | PerformedDirectly bySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhich SunTrustMortgage, Inc, isthe ResponsibleParty |  | Performed by subservicer(s) orvendor(s) for whichSunTrust Mortgage,Inc. Is NOT theResponsible Party |  | NOT performed bySunTrust Mortgage, Inc, orby sub servicer(s) orvendor(s) retained by SunTrust 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 flied 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                                         |  |                                                                              |  |                                                                                                     |  |                                                                                                             



|3 | For Purposes of assessing the servicing criteria listed in Items 1122 (d)(3)(i)  (iv), SunTrust Mortgage, Inc. has determined that the investor for these purposes is the entity to which SunTrust
Mortgage, Inc. provides the related information (i.e., master servicer, trustee, etc.).
|- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



---

|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                            |  |                                                                              |  |                                                                                                      |  |                                                                                                            
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |  | ------------------------------------------ |  | ---------------------------------------------------------------------------- |  | ---------------------------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |  | INAPPLICABLESERVICING CRITERIA            
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  | PerformedDirectly bySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhich SunTrustMortgage, Inc. isthe ResponsibleParty |  | Performed by subservicer(s) orvendor(s) for whichSunTrust Mortgage,Inc. is NOT the Responsible Party |  | NOT performed bySunTrust Mortgage, Inc.or by sub servicer(s) orvendor(s) retained bySunTrust Mortgage, 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                                                                                                          
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                            | 
|I122(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-aging) 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 agreement; (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                                          |  |                                                                              |  |                                                                                                      |  |                                                                                                            





|4 | SunTrust Bank, its parent, is custodian of certain mortgage loans.
|- | ------------------------------------------------------------------



---

|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                            |  |                                                                              |  |                                                                                                     |  |                                                                                                             
|------------------ |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------------ |  | ---------------------------------------------------------------------------- |  | --------------------------------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                   |  | INAPPLICABLESERVICING CRITERIA            
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                        |  | PerformedDirectly bySunTrustMortgage, Inc. |  | Performed byVendor(s) forwhich SunTrustMortgage, Inc. isthe ResponsibleParty |  | Performed by subservicer (1)orvendor() for whichSunTrust Mortgage,Inc. is NOT the Responsible Party |  | NOT performed bySunTrust Mortgage, Inc.or by sub servicer(s) or vendor(s) retained by SunTrustMortgage, 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                                                                                                  |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                            | 
|112241)(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                                                                                                                                                                                                                                                                            |  | ü                                          |  |                                                                              |  |                                                                                                     |  |                                                                                                             
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                 |  |                                            | 
|1122(d)(4)(xv)     |  | Any external enhancement or other support, Identified In Item 1114(a)(1) through (3) or Item 1115 of Regulation AR, is maintained as set forth in the transaction agreements.                                                                                                                                                                                                                   |  |                                            |  |                                                                              |  |                                                                                                     |  | ü                                                                                                           





|5 | Assurant is responsible for the insurance payments component of this criterion.
|- | -------------------------------------------------------------------------------



---

Appendix B



|     |  |                 
|---- |  | ----------------
|Year |  | Deal ID         
|     | 
|2007 |  | 2007-DBALT-RAMP1
|     | 
|2007 |  | ARMT 2007-1     
|     | 
|2007 |  | ARMT 2007-2     
|     | 
|2006 |  | BAFC 2006-1     
|     | 
|2006 |  | BAFC 2006-2     
|     | 
|2006 |  | BAFC 2006-3     
|     | 
|2006 |  | BAFC 2006-4     
|     | 
|2006 |  | BAFC 2006-5     
|     | 
|2006 |  | BAFC 2006-6     
|     | 
|2006 |  | BAFC 2006-7     
|     | 
|2007 |  | BAFC 2007-1     
|     | 
|2007 |  | BAFC 2007-2     
|     | 
|2007 |  | BAFC 2007-3     
|     | 
|2007 |  | BAFC 2007-4     
|     | 
|2007 |  | BAFC 2007-6     
|     | 
|2007 |  | BAFC 2007-7     
|     | 
|2007 |  | BAFC 2007-8     
|     | 
|2008 |  | BAFC 2008-1     
|     | 
|2006 |  | BSABS 2006-SD2  
|     | 
|2006 |  | BSABS 2006-ST1  
|     | 
|2006 |  | CMLTI 2006-4    
|     | 
|2007 |  | CMLTI 2007-10   
|     | 
|2007 |  | CMLTI 2007-6    
|     | 
|2007 |  | CMLTI 2007-AR1  
|     | 
|2007 |  | CMLTI 2007-AR7  
|     | 
|2006 |  | CSAB 2006-2     
|     | 
|2006 |  | CSAB 2006-3     
|     | 
|2007 |  | CSAB 2007-1     
|     | 
|2006 |  | CSMC 2006-3     
|     | 
|2006 |  | CSMC 2006-4     
|     | 
|2006 |  | CSMC 2006-5     
|     | 
|2006 |  | CSMC 2006-7     
|     | 
|2006 |  | CSMC 2006-8     
|     | 
|2006 |  | CSMC 2006-9     
|     | 
|2007 |  | CSMC 2007-1     
|     | 
|2007 |  | CSMC 2007-3     
|     | 
|2007 |  | CSMC 2007-5     
|     | 
|2007 |  | CSMC 2007-6     
|     | 
|2007 |  | CSMC 2007-7     
|     | 
|2006 |  | GSAA 2006-1     
|     | 
|2006 |  | GSAA 2006-14    
|     | 
|2006 |  | GSAA 2006-17    
|     | 
|2006 |  | GSAA 2006-19    
|     | 
|2006 |  | GSAA 2006-20    
|     | 
|2006 |  | GSAA 2006-5     
|     | 
|2007 |  | GSAA 2007-2     
|     | 
|2006 |  | GSR 2006-9F     
|     | 
|2007 |  | GSR 2007-4F     
|     | 
|2007 |  | GSR 2007-5F     
|     | 
|2007 |  | HALO 2007-2     



---

|     |  |                      
|---- |  | ---------------------
|Year |  | Deal ID              
|     | 
|2007 |  | HALO 2007-AR1        
|     | 
|2007 |  | HALO 2007-AR2        
|     | 
|2007 |  | Harborview 2007-4    
|     | 
|2006 |  | JPALT 2006-A2        
|     | 
|2006 |  | JPALT 2006-S1        
|     | 
|2006 |  | JPALT 2006-S2        
|     | 
|2006 |  | JPALT 2006-S4        
|     | 
|2007 |  | JPALT 2007-S1        
|     | 
|2006 |  | JPMMT 2006-A3        
|     | 
|2006 |  | JPMMT 2006-A4        
|     | 
|2006 |  | JPMMT 2006-A5        
|     | 
|2006 |  | JPMMT 2006-A6        
|     | 
|2006 |  | JPMMT 2006-S2        
|     | 
|2007 |  | JPMMT 2007-S1        
|     | 
|2007 |  | JPMMT 2007-S2        
|     | 
|2015 |  | JPMMT 2015-4         
|     | 
|2006 |  | LMT 2006-2           
|     | 
|2006 |  | LMT 2006-4           
|     | 
|2006 |  | LMT 2006-7           
|     | 
|2007 |  | LMT 2007-7           
|     | 
|2006 |  | LXS 2006-1           
|     | 
|2006 |  | LXS 2006-11          
|     | 
|2006 |  | LXS 2006-15          
|     | 
|2006 |  | LXS 2006-3           
|     | 
|2006 |  | MALT 2006-2          
|     | 
|2006 |  | MALT 2006-3          
|     | 
|2007 |  | MALT 2007-1          
|     | 
|2006 |  | MASTR 2006-1         
|     | 
|2006 |  | MASTR 2006-2         
|     | 
|2006 |  | MASTR 2006-3         
|     | 
|2007 |  | MASTR 2007-1         
|     | 
|2007 |  | MASTR 2007-2         
|     | 
|2015 |  | NRMLT 2015-1         
|     | 
|2015 |  | NRMLT 2015-2         
|     | 
|2006 |  | RALI SERIES 2006- QS4
|     | 
|2006 |  | RALI SERIES 2006-QS1 
|     | 
|2006 |  | RALI SERIES 2006-QS10
|     | 
|2006 |  | RALI SERIES 2006-QS11
|     | 
|2006 |  | RALI SERIES 2006-QS12
|     | 
|2006 |  | RALI SERIES 2006-QS13
|     | 
|2006 |  | RALI SERIES 2006-QS14
|     | 
|2006 |  | RALI SERIES 2006-QS15
|     | 
|2006 |  | RALI SERIES 2006-QS16
|     | 
|2006 |  | RALI SERIES 2006-QS17
|     | 
|2006 |  | RALI SERIES 2006-QS18
|     | 
|2006 |  | RALI SERIES 2006-QS3 
|     | 
|2006 |  | RALI SERIES 2006-QS6 
|     | 
|2006 |  | RALI SERIES 2006-QS7 
|     | 
|2006 |  | RALI SERIES 2006-QS8 
|     | 
|2006 |  | RALI SERIES 2006-QS9 



---

|     |  |                          
|---- |  | -------------------------
|Year |  | Deal ID                  
|     | 
|2006 |  | RAMP SERIES 2006-RS3     
|     | 
|2006 |  | RAMP SERIES 2006-RS4     
|     | 
|2006 |  | RAMP SERIES 2006-RS5     
|     | 
|2006 |  | RAMP SERIES 2006-RS6     
|     | 
|2006 |  | RFMSI SERIES 2006- S11   
|     | 
|2006 |  | RFMSI SERIES 2006-S10    
|     | 
|2006 |  | RFMSI SERIES 2006-S12    
|     | 
|2006 |  | RFMSI SERIES 2006-S5     
|     | 
|2006 |  | RFMSI SERIES 2006-S6     
|     | 
|2006 |  | RFMSI SERIES 2006-S7     
|     | 
|2006 |  | RFMSI SERIES 2006-S8     
|     | 
|2006 |  | RFMSI SERIES 2006-S9     
|     | 
|2006 |  | SARM 2006-1              
|     | 
|2006 |  | SARM 2006-3              
|     | 
|2006 |  | SASCO 2006-3H            
|     | 
|2011 |  | SEMT 2011-2              
|     | 
|2005 |  | SERIES 2005-QWH13        
|     | 
|2006 |  | SERIES 2006-WH11         
|     | 
|2007 |  | SERIES 2007- QS7         
|     | 
|2007 |  | SERIES 2007- QS8         
|     | 
|2007 |  | SERIES 2007- QS9         
|     | 
|2007 |  | SERIES 2007-QA1          
|     | 
|2007 |  | SERIES 2007-QA2          
|     | 
|2007 |  | SERIES 2007-QS1          
|     | 
|2007 |  | SERIES 2007-QS2          
|     | 
|2007 |  | SERIES 2007-QS3          
|     | 
|2007 |  | SERIES 2007-QS4          
|     | 
|2007 |  | SERIES 2007-QS5          
|     | 
|2007 |  | SERIES 2007-QS6          
|     | 
|2007 |  | SERIES 2007-RS1          
|     | 
|2007 |  | SERIES 2007-RS2          
|     | 
|2007 |  | SERIES 2007-RZ1          
|     | 
|2007 |  | SERIES 2007-S1           
|     | 
|2007 |  | SERIES 2007-S4           
|     | 
|2007 |  | SERIES 2007-S8           
|     | 
|2007 |  | SERIES 2007-SA1          
|     | 
|2007 |  | SERIES 2007-SARM-3 LEHMAN
|     | 
|2007 |  | SERIES 2007-SP2          
|     | 
|2007 |  | SERIES 2007-SP3          
|     | 
|2006 |  | STALT 2006-1F            
|     | 
|2007 |  | STARM 2007-1             
|     | 
|2007 |  | STARM 2007-2             
|     | 
|2007 |  | STARM 2007-3             
|     | 
|2007 |  | STARM 2007-4             
|     | 
|2007 |  | STARM 2007-S1            
|     | 
|2006 |  | TMST 2006-5              
|     | 
|2007 |  | WMLT 2007-A              



---

Appendix C

1122 (d)(2)(i)

Certain payments on pool assets
were not deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days of receipt, or such other number of days specified in the transaction agreements.

Remediation

As of May 2013, SunTrust Mortgage, Inc.
moved 194 custodial bank accounts from SunTrust Bank to Bank of New York Mellon due to the rating requirements and the decreased rating of SunTrust Bank. Certain transaction agreements require deposits into the custodial accounts either daily or
within one business day. Due to the movement of the accounts from SunTrust Bank to Bank of New York Mellon funds are deposited into the accounts within two business days.

SunTrust Mortgage, Inc. is currently reviewing all related transaction agreements to determine which accounts can be transitioned to SunTrust Bank. These
transitions are fully dependent on the SunTrust Bank credit rating. SunTrust Mortgage, Inc. expects the situation to persist until SunTrust Bank is upgraded to the required credit ratings to make it an eligible entity to hold all of the accounts.

1122 (d)(4)(vii)

Certain loss mitigation or
recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) were not initiated, conducted and concluded in accordance with the timeframes or other requirements established
by the transaction agreements.

Remediation

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

SunTrust Mortgage, Inc. continues to enhance remediation plans initiated in prior years, and as a result overall foreclosure timelines continued to decline in
2015. In 2014 SunTrust Mortgage, Inc. created a new due diligence team focusing solely on severely aged loans and reporting specific to the individual foreclosure milestones in each state. These changes continue in 2015 and SunTrust Mortgage, Inc.
anticipates that overall foreclosure timelines will continue to decrease.