----

xh

|   | /s/      KPMG LLP |
|--------|-------------------|

----

| 1. | CitiMortgage,      Inc. (the “Servicer”) is responsible for assessing compliance with the      applicable servicing criteria set forth in Item 1122(d) of Regulation AB      of the Securities and Exchange Commission, as set forth in Exhibit A      hereto, in connection with the servicing of 1) first lien residential      mortgage loans except for (a) Freddie Mac, Fannie Mae, and Ginnie Mae      residential mortgage loan securitizations unless part of a special bond      program and (b) loans held for its own portfolio and 2) student loans      issued subsequent to January 1, 2006, for which the Servicer performs a      particular servicing function pursuant to a servicing agreement with a      third party, utilizing the Citilink system (the “Platform”) as of and for      the year ended December 31, 2008; |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2. | The      Servicer has engaged certain vendors (the “Vendors”) to perform specific,      limited or scripted activities as of and for the year ended December 31,      2008. As set forth in Exhibit A hereto, the Servicer’s management has      determined that these Vendors are not considered a “servicer” as defined      in Item 1101(j) of Regulation AB, and the Servicer’s management has      elected to take responsibility for assessing compliance with the servicing      criteria applicable to each Vendor as permitted by Interpretation 17.06 of      the SEC Division of Corporation Finance Manual of Publicly Available      Telephone Interpretations (Interpretation 17.06). As permitted by      Interpretation 17.06, management has asserted that it has policies and      procedures in place designed to provide reasonable assurance that the      Vendors’ activities comply in all material respects with the servicing      criteria applicable to each Vendor. The Servicer’s management is solely      responsible for determining that it meets the SEC requirements to apply      Interpretation 17.06 for the Vendors and related  criteria; |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3. | Except      as set forth in paragraph 4 below, the Servicer used the criteria set      forth in paragraph (d) of Item 1122 of Regulation AB to assess the      compliance with the applicable servicing criteria as of and for the year      ended December 31, 2008; |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4. | The      criteria listed as Inapplicable Servicing Criteria on Exhibit A hereto are      inapplicable to the Servicer based on the activities it performs with      respect to asset-backed securities transactions involving the      Platform.  For student loan transactions, all of the criteria on      Exhibit A are inapplicable to the Servicer, except for 1122(d)(3)(i)(A),      1122(d)(3)(i)(B) and 1122(d)(3)(ii), based on the activities it performs      with respect to asset-backed securities transactions involving the      Platform; |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5. | The      Servicer has complied, in all material respects, with the applicable      servicing criteria as of and for the year ended December 31,      2008; |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6. | The      Servicer has not identified and is not aware of any material instance of      noncompliance by the Vendors with the applicable servicing criteria as of      and for the year ended December 31,2008; |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 7. | The      Servicer has not identified any material deficiency in its policies and      procedures to monitor the compliance by the Vendors with the applicable      servicing criteria as of and for the year ended December 31, 2008;      and |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8. | KPMG      LLP, a registered public accounting firm, has issued an attestation report      on the Servicer’s assessment of compliance with the applicable servicing      criteria as of and for the year ended December 31,  2008. |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | By:    | /s/ Herb Gover                                 |
|--------|--------|------------------------------------------------|
|   | Name:  | Herb      Gover                                |
|   | Title: | Senior      Vice President, CitiMortgage, Inc. |
|   |   | Senior      Officer in Charge of Servicing     |

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                         | INAPPLICABLESERVICINGCRITERIA              |
|-------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                  | PerformedDirectlybyCitiMortgage,      Inc. | Performed      byVendor(s)      for which CitiMortgage, Inc. is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which CitiMortgage, Inc. is NOT the      Responsible Party1 | NOT      performed by CitiMortgage, Inc. or by subservicer(s) or vendor(s) retained      by CitiMortgage, Inc.2 |
|                    | 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.                                                                                                                                                                                                                                                   | X                                          |   |   |   |
| 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.                                                                                                                                                                                                 | X                                          |   |   |   |
| 1122(d)(1)(iii)         | Any      requirements in the transaction agreements to maintain a back-up servicer      for the loans are maintained.                                                                                                                                                                                                                                                                                                     |                                       |   |   | X |
| 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.                                                                                                                                     | X                                          |   |   |   |
|                    | Cash      Collection and Administration                                                                                                                                                                                                                                                                                                                                                                                   |                                       |   |   |   |
| 1122(d)(2)(i)           | Payments      on loans 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.                                                                                                                                                               | Xi                                         | Xii |   |   |
| 1122(d)(2)(ii)          | Disbursements      made via wire transfer on behalf of an obligor or to an investor are made      only by authorized personnel.                                                                                                                                                                                                                                                                                           | Xiii                                       | Xiv |   | Xv |
| 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.                                                                                                                                                                             | X                                          |   |   |   |
| 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.                                                                                                                                                 | X                                          |   |   |   |
| 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. | X                                          |   |   |   |

| 1 | Check      only those criteria which are performed by subservicer(s) or vendor(s)      retained by CitiMortgage. |
|---|------------------------------------------------------------------------------------------------------------------|

| 2 | Check      only those criteria which CitiMortgage does NOT (i) perform directly, (ii)      take responsibility for the performance of by a Vendor, or (iii) retain      subservicer(s) or vendor(s) toperform. |
|---|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | INAPPLICABLESERVICINGCRITERIA              |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | PerformedDirectlybyCitiMortgage,      Inc. | Performed      byVendor(s)      for which CitiMortgage, Inc. is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which CitiMortgage, Inc. is NOT the      Responsible Party1 | NOT      performed by CitiMortgage, Inc. or by subservicer(s) or vendor(s) retained      by CitiMortgage, Inc.2 |
| 1122(d)(2)(vi)          | Unissued      checks are safeguarded so as to prevent unauthorized    access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X                                          |   |   |   |
| 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. | X                                          |   |   |   |
|                    | 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 loans serviced by the Servicer.                                             | X                                          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | X                                          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X                                          |   |   |   |
|                    | Pool      Asset Administration                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                       |   |   |   |
| 1122(d)(4)(i)           | Collateral      or security on loans is maintained as required by the transaction      agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Xvi                                        |   |   | Xvii |
| 1122(d)(4)(ii)          | Loans      and related documents are safeguarded as required by the transaction      agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Xviii                                      |   |   | Xix |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X                                          |   |   |   |
| 1122(d)(4)(iv)          | Payments      on loans, including any payoffs, made in accordance with the related loan      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 loan      documents.                                                                                                                                                                                                                                                                                                                         | Xx                                         | Xxi |   |   |

----

| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | INAPPLICABLESERVICINGCRITERIA              |
|-------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | PerformedDirectlybyCitiMortgage,      Inc. | Performed      byVendor(s)      for which CitiMortgage, Inc. is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which CitiMortgage, Inc. is NOT the      Responsible Party1 | NOT      performed by CitiMortgage, Inc. or by subservicer(s) or vendor(s) retained      by CitiMortgage, Inc.2 |
| 1122(d)(4)(v)           | The      Servicer’s records regarding the loans agree with the Servicer’s records      with respect to an obligor’s unpaid principal balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                  | X                                          |   |   |   |
| 1122(d)(4)(vi)          | Changes      with respect to the terms or status of an obligor's      loans  (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.                                                                                                                                                                                                                                                                                                                                 | X                                          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                  | X                                          |   |   |   |
| 1122(d)(4)(viii)        | Records      documenting collection efforts are maintained during the period a loan 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 loans including, for example, phone calls, letters      and payment rescheduling plans in cases where delinquency is deemed      temporary (e.g., illness or unemployment).                                                                      | X                                          |   |   |   |
| 1122(d)(4)(ix)          | Adjustments      to interest rates or rates of return for loans with variable rates are      computed based on the related loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                          |   |   |   |
| 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 loan 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 loan documents and state laws; and (C) such      funds are returned to the obligor within 30 calendar days of full      repayment of the related loan, or such other number of days specified in      the transaction agreements. | Xxii                                       | Xxiii |   |   |
| 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.                                                                                                                                                                                    | Xxiv                                       | Xxv |   |   |
| 1122(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.                                                                                                                                                                                                                                                                                                                                              | Xxvi                                       | Xxvii |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                   | Xxviii                                     | Xxix |   |   |
| 1122(d)(4)(xiv)         | Delinquencies,      charge-offs and uncollectible accounts are recognized and recorded in      accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                          |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                     | X                                          |   |   |   |

----

| i. | The      servicer performs all of the criterion 1122(d)(2)(i) except for the      lockbox, payoff, and exception functions, which are specific, limited      activities. |
|----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ii. | The      vendor performs only the lockbox, payoff, and exception functions for      criterion 1122(d)(2)(i). |
|-----|--------------------------------------------------------------------------------------------------------------|

| iii. | The      servicer under criterion 1122(d)(2)(ii) makes authorized disbursements on      behalf of an obligor for escrowed amounts and to investors and/or the      paying agent for their disbursement to investors. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| iv. | Under      criterion 1122(d)(2)(ii), in specific, limited instances the tax and      insurance monitoring vendors make disbursements on behalf of an      obligor. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| v. | The      paying agent (another party participating in the servicing function for      which the servicer is not the responsible party) makes authorized      disbursements to investors. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| vi. | The      servicer prepares and ships the required loan documents to the vendor that      performs the custodian function. |
|-----|---------------------------------------------------------------------------------------------------------------------------|

| vii. | The      vendor performs the custodianfunction. |
|------|-------------------------------------------------|

| viii. | The      servicer prepares and ships the required loan documents to the vendor that      performs the custodian function. |
|-------|---------------------------------------------------------------------------------------------------------------------------|

| ix. | The      vendor performs the custodianfunction. |
|-----|-------------------------------------------------|

| x. | The      servicer performs all of the criterion 1122(d)(4)(iv) except for the      lockbox, payoff, and exception functions, which are specific, limited      activities. |
|----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xi. | The      vendor performs only the lockbox, payoff, and exception functions for      criterion 1122(d)(4)(iv). |
|-----|---------------------------------------------------------------------------------------------------------------|

| xii. | The      servicer performs all of the functions under criterion 1122(d)(4)(x)      except for specific, limited tax and insurance monitoring activity      performed by vendors. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xiii. | The      vendors perform specific, limited tax and insurance monitoring functions      for criterion 1122(d)(4)(x). |
|-------|---------------------------------------------------------------------------------------------------------------------|

| xiv. | The      servicer performs all of the functions under criterion 1122(d)(4)(xi)      except for specific, limited tax and insurance monitoring activity      performed by vendors. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xv. | The      vendors perform specific, limited tax and insurance monitoring functions      for criterion 1122(d)(4)(xi). |
|-----|----------------------------------------------------------------------------------------------------------------------|

| xvi. | The      servicer performs all of the functions under criterion 1122(d)(4)(xii)      except for specific, limited tax and insurance monitoring activity      performed by vendors. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xvii. | The      vendors perform specific, limited tax and insurance monitoring functions      for criterion 1122(d)(4)(xii). |
|-------|-----------------------------------------------------------------------------------------------------------------------|

| xviii. | The      servicer performs all of the functions under criterion 1122(d)(4)(xiii)      except for specific, limited tax and insurance monitoring activity      performed by vendors. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| xix. | The      vendors perform specific, limited tax and insurance monitoring functions      for criterion1122(d)(4)(xiii). |
|------|-----------------------------------------------------------------------------------------------------------------------|

----