Document:

EXECUTION VERSION

                                AMENDMENT REG AB
           TO THE MASTER MORTGAGE LOAN PURCHASEAND SERVICING AGREEMENT

     This is Amendment Reg AB ("Amendment Reg AB"), dated as of January 1, 2006,
by and between Bank of America, National Association (the "Purchaser"), and
Countrywide Home Loans, Inc. (the "Company") to that certain Master Mortgage
Loan Purchase and Servicing Agreement, dated as of April 1, 2003 by and between
the Company and the Purchaser (as amended, modified or supplemented, the
"Existing Agreement").

                                   WITNESSETH

     WHEREAS, the Company and the Purchaser have agreed, subject to the terms
and conditions of this Amendment Reg AB that the Existing Agreement be amended
to reflect agreed upon revisions to the terms of the Existing Agreement.

     Accordingly, the Company and the Purchaser hereby agree, in consideration
of the mutual promises and mutual obligations set forth herein, that the
Existing Agreement is hereby amended as follows:

1. Capitalized terms used herein but not otherwise defined shall have the
meanings set forth in the Existing Agreement. The Existing Agreement is hereby
amended by adding the following definitions to Article I thereof in their proper
alphabetical order:

     Commission: The United States Securities and Exchange Commission.

     Company Information: As defined in Section 8.14(g)(i)(A)(1).

     Depositor: The depositor, as such term is defined in Regulation AB, with
respect to any Securitization Transaction.

     Exchange Act: The Securities Exchange Act of 1934, as amended.

     Master Servicer: With respect to any Securitization Transaction, the
"master servicer," if any, identified in the related transaction documents.

     Qualified Correspondent: Any Person from which the Company purchased
Mortgage Loans, provided that the following conditions are satisfied: (i) such
Mortgage Loans were either (x) originated pursuant to an agreement between the
Company and such Person that contemplated that such Person would underwrite
mortgage loans from time to time, for sale to the Company, in accordance with
underwriting guidelines designated by the Company ("Designated Guidelines") or
guidelines that do not vary materially from such Designated Guidelines or (y)
individually re-underwritten by the Company to the Designated Guidelines at the
time such Mortgage Loans were acquired by the Company; (ii) either (x) the
Designated Guidelines were, at the time such Mortgage Loans were originated,
used by the Company in origination of mortgage loans of the same type as the
Mortgage Loans for the Company's own account or (y) the Designated Guidelines
were, at the time such Mortgage Loans were

underwritten, designated by the Company on a consistent basis for use by lenders
in originating mortgage loans to be purchased by the Company; and (iii) the
Company employed, at the time such Mortgage Loans were acquired by the Company,
pre-purchase or post-purchase quality assurance procedures (which may involve,
among other things, review of a sample of mortgage loans purchased during a
particular time period or through particular channels) designed to ensure that
either Persons from which it purchased mortgage loans properly applied the
underwriting criteria designated by the Company or the Mortgage Loans purchased
by the Company substantially comply with the Designated Guidelines.

     Reconstitution: Any Securitization Transaction or Whole Loan Transfer.

     Reconstitution Agreement: An agreement or agreements entered into by the
Company and the Purchaser and/or certain third parties in connection with a
Reconstitution with respect to any or all of the Mortgage Loans serviced under
this Agreement.

     Regulation AB: Subpart 229.1100 - Asset Backed Securities (Regulation AB),
17 C.F.R. Sections 229.1100-229.1123, as such may be amended from time to time,
and subject to such clarification and interpretation as have been provided by
the Commission in the adopting release (Asset-Backed Securities, Securities Act
Release No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (Jan. 7, 2005)) or by the staff
of the Commission, or as may be provided by the Commission or its staff from
time to time.

     Securities Act: The Securities Act of 1933, as amended.

     Securitization Transaction: Any transaction involving either (1) a sale or
other transfer of some or all of the Mortgage Loans directly or indirectly to an
issuing entity in connection with an issuance of publicly offered, rated or
unrated mortgage-backed securities or (2) an issuance of publicly offered, rated
or unrated securities, the payments on which are determined primarily by
reference to one or more portfolios of residential mortgage loans consisting, in
whole or in part, of some or all of the Mortgage Loans.

     Servicer: As defined in Section 8.14(c)(iii).

     Servicing Criteria: The "servicing criteria" set forth in Item 1122(d) of
Regulation AB, as such may be amended from time to time.

     Static Pool Information: Static pool information as described in Item 1105
of Regulation AB.

     Subcontractor: Any vendor, subcontractor or other Person that is not
responsible for the overall servicing (as "servicing" is commonly understood by
participants in the mortgage-backed securities market) of Mortgage Loans but
performs one or more discrete functions identified in Item 1122(d) of Regulation
AB with respect to Mortgage Loans under the direction or authority of the
Company or a Subservicer.

     Subservicer: Any Person that services Mortgage Loans on behalf of the
Company or any Subservicer and is responsible for the performance (whether
directly or through Subservicers or Subcontractors) of a substantial portion of
the material servicing functions required to be

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performed by the Company under this Agreement or any Reconstitution Agreement
that are identified in Item 1122(d) of Regulation AB; provided, however, that
the term "Subservicer" shall not include any master servicer, or any special
servicer engaged at the request of a Depositor, Purchaser or investor in a
Securitization Transaction, nor any "back-up servicer" or trustee performing
servicing functions on behalf of a Securitization Transaction.

     Third-Party Originator: Each Person, other than a Qualified Correspondent,
that originated Mortgage Loans acquired by the Company.

     Whole Loan Transfer: Any sale or transfer of some or all of the Mortgage
Loans, other than a Securitization Transaction.

2. The Purchaser and the Company agree that the Existing Agreement is hereby
amended by adding the following provisions to Article VIII thereof:

"Section 8.14 Regulation AB Compliance

     (a)  Intent of the Parties; Reasonableness.

     The Purchaser and the Company acknowledge and agree that the purpose of
this Section 8.14 is to facilitate compliance by the Purchaser and any Depositor
with the provisions of Regulation AB and related rules and regulations of the
Commission and that the provisions of this Amendment Reg AB shall be applicable
to all Mortgage Loans included in a Securitization Transaction closing on or
after January 1, 2006, regardless whether the Mortgage Loans were purchased by
the Purchaser from the Company prior to the date hereof. Although Regulation AB
is applicable by its terms only to offerings of asset-backed securities that are
registered under the Securities Act, the Company acknowledges that investors in
privately offered securities may require that the Purchaser or any Depositor
provide comparable disclosure in unregistered offerings. The Company agrees to
provide the Purchaser with the assessment of compliance and the attestation
required by Item 1122 of Regulation AB in connection with privately offered
securities and to negotiate in good faith with the Purchaser with respect to
provision of other disclosure comparable to that required under this Amendment
Reg AB in connection with privately offered securities. Neither the Purchaser
nor any Depositor shall exercise its right to request delivery of information or
other performance under these provisions other than in good faith, or for
purposes other than compliance with the Securities Act, the Exchange Act and the
rules and regulations of the Commission thereunder. The Company acknowledges
that interpretations of the requirements of Regulation AB may change over time,
whether due to interpretive guidance provided by the Commission or its staff,
and agrees to negotiate in good faith with the Purchaser or any Depositor with
regard to any reasonable requests for delivery of information under these
provisions on the basis of evolving interpretations of Regulation AB. In
connection with any Securitization Transaction, the Company shall cooperate
fully with the Purchaser to deliver to the Purchaser (including any of its
assignees or designees) and any Depositor, any and all statements, reports,
certifications, records and any other information necessary in the good faith
determination of the Purchaser or any Depositor to permit the Purchaser or such
Depositor to comply with the provisions of Regulation AB, together with such
disclosures relating to the Company, any Subservicer, any Third-Party Originator
and the

                                        3

Mortgage Loans, reasonably believed by the Purchaser or any Depositor to be
necessary or the servicing of the Mortgage Loans necessary in order to effect
such compliance.

     The Purchaser agrees that it will cooperate with the Company and provide
sufficient and timely notice of any information requirements pertaining to a
Securitization Transaction. The Purchaser will make all reasonable efforts to
limit requests for information, reports or any other materials to items required
for compliance with Regulation AB and shall not request information which is not
required for such compliance.

     (b)  Additional Representations and Warranties of the Company.

          (i) The Company shall be deemed to represent to the Purchaser and to
     any Depositor, as of the date on which information is first provided to the
     Purchaser or any Depositor under Section 8.14(c) that, except as disclosed
     in writing to the Purchaser or such Depositor prior to such date: (i) the
     Company is not aware and has not received notice that any default, early
     amortization or other performance triggering event has occurred as to any
     other securitization due to any act or failure to act of the Company; (ii)
     the Company has not been terminated as servicer in a residential mortgage
     loan securitization, either due to a servicing default or to application of
     a servicing performance test or trigger; (iii) no material noncompliance
     with the applicable Servicing Criteria with respect to other
     securitizations of residential mortgage loans involving the Company as
     servicer has been disclosed or reported by the Company; (iv) no material
     changes to the Company's policies or procedures with respect to the
     servicing function it will perform under this Agreement and any
     Reconstitution Agreement for mortgage loans of a type similar to the
     Mortgage Loans have occurred during the three-year period immediately
     preceding the related Securitization Transaction; (v) there are no aspects
     of the Company's financial condition that could have a material adverse
     effect on the performance by the Company of its servicing obligations under
     this Agreement or any Reconstitution Agreement; (vi) there are no material
     legal or governmental proceedings pending (or known to be contemplated)
     against the Company, any Subservicer or any Third-Party Originator; and
     (vii) there are no affiliations, relationships or transactions relating to
     the Company, any Subservicer or any Third-Party Originator with respect to
     any Securitization Transaction and any party thereto identified by the
     related Depositor of a type described in Item 1119 of Regulation AB.

          (ii) If so requested by the Purchaser or any Depositor on any date
     following the date on which information is first provided to the Purchaser
     or any Depositor under Section 8.14(c), the Company shall, within five
     Business Days following such request, confirm in writing the accuracy of
     the representations and warranties set forth in paragraph (i) of this
     Section or, if any such representation and warranty is not accurate as of
     the date of such request, provide reasonably adequate disclosure of the
     pertinent facts, in writing, to the requesting party.

     (c)  Information to Be Provided by the Company.

     In connection with any Securitization Transaction, the Company shall (1)
within five Business Days following request by the Purchaser or any Depositor,
provide to the Purchaser and

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such Depositor (or, as applicable, cause each Third-Party Originator and each
Subservicer to provide), the information and materials specified in paragraphs
(i), (ii), (iii) and (vii) of this Section 8.14(c), and (2) as promptly as
practicable following notice to or discovery by the Company, provide to the
Purchaser and any Depositor the information specified in paragraph (iv) of this
Section.

          (i) If so requested by the Purchaser or any Depositor, the Company
     shall provide such information regarding (x) the Company, as originator of
     the Mortgage Loans (including as an acquirer of Mortgage Loans from a
     Qualified Correspondent, if applicable), or (y) as applicable, each
     Third-Party Originator, and (z) as applicable, each Subservicer, as is
     requested for the purpose of compliance with Items 1103(a)(1), 1105, 1110,
     1117 and 1119 of Regulation AB. Such information shall include, at a
     minimum:

               (A) the originator's form of organization;

               (B) to the extent material, a description of the originator's
          origination program and how long the originator has been engaged in
          originating residential mortgage loans, which description shall
          include a discussion of the originator's experience in originating
          mortgage loans of a similar type as the Mortgage Loans; if material,
          information regarding the size and composition of the originator's
          origination portfolio; and information that may be material to an
          analysis of the performance of the Mortgage Loans, including the
          originators' credit-granting or underwriting criteria for mortgage
          loans of similar type(s) as the Mortgage Loans and such other
          information as the Purchaser or any Depositor may reasonably request
          for the purpose of compliance with Item 1110(b)(2) of Regulation AB;

               (C) a brief description of any material legal or governmental
          proceedings pending (or known to be contemplated by a governmental
          authority) against the Company, each Third-Party Originator, if
          applicable, and each Subservicer; and

               (D) a description of any affiliation or relationship between the
          Company, each Third-Party Originator, if applicable, each Subservicer
          and any of the following parties to a Securitization Transaction, as
          such parties are identified to the Company by the Purchaser or any
          Depositor in writing in advance of such Securitization Transaction:

                    (1)  the sponsor;

                    (2)  the depositor;

                    (3)  the issuing entity;

                    (4)  any servicer;

                    (5)  any trustee;

                    (6)  any originator;

                    (7)  any significant obligor;

                    (8)  any enhancement or support provider; and

                    (9)  any other material transaction party.

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          (ii) If so requested by the Purchaser or any Depositor, the Company
     shall provide (or, as applicable, cause each Third-Party Originator to
     provide) Static Pool Information with respect to the mortgage loans (of a
     similar type as the Mortgage Loans, as reasonably identified by the
     Purchaser as provided below) originated by (a) the Company, if the Company
     is an originator of Mortgage Loans (including as an acquirer of Mortgage
     Loans from a Qualified Correspondent, if applicable), and/or (b) as
     applicable, each Third-Party Originator. Such Static Pool Information shall
     be prepared by the Company (or, if applicable, the Third-Party Originator)
     on the basis of its reasonable, good faith interpretation of the
     requirements of Item 1105(a)(1)-(3) of Regulation AB. To the extent that
     there is reasonably available to the Company (or Third-Party Originator, as
     applicable) Static Pool Information with respect to more than one mortgage
     loan type, the Purchaser or any Depositor shall be entitled to specify
     whether some or all of such information shall be provided pursuant to this
     paragraph. The content of such Static Pool Information may be in the form
     customarily provided by the Company, and need not be customized for the
     Purchaser or any Depositor. Such Information for each vintage origination
     year or prior securitized pool, as applicable, shall be presented in
     increments no less frequently than quarterly over the life of the mortgage
     loans included in the vintage origination year or prior securitized pool.
     The most recent periodic increment must be as of a date no later than 135
     days prior to the date of the prospectus or other offering document in
     which the Static Pool Information is to be included or incorporated by
     reference. The Static Pool Information shall be provided in an electronic
     format that provides a permanent record of the information provided, such
     as a portable document format (pdf) file, or other such electronic format
     mutually agreed upon by the Purchaser or Depositor and the Company.

          If so requested by the Purchaser or any Depositor, the Company shall
     provide (or, as applicable, cause each Third-Party Originator to provide),
     at the expense of the requesting party (to the extent of any additional
     incremental expense associated with delivery pursuant to this Agreement),
     such statements and agreed-upon procedures letters of certified public
     accountants pertaining to Static Pool Information relating to prior
     securitized pools for securitizations closed on or after January 1, 2006
     or, in the case of Static Pool Information with respect to the Company's
     or, if applicable, Third-Party Originator's originations or purchases, to
     calendar months commencing January 1, 2006, as the Purchaser or such
     Depositor shall reasonably request. Such statements and letters shall be
     addressed to and be for the benefit of such parties as the Purchaser or
     such Depositor shall designate, which shall be limited to any Sponsor, any
     Depositor, any broker dealer acting as underwriter, placement agent or
     initial purchaser with respect to a Securitization Transaction or any other
     party that is reasonably and customarily entitled to receive such
     statements and letters in a Securitization Transaction. Any such statement
     or letter may take the form of a standard, generally applicable document
     accompanied by a reliance letter authorizing reliance by the addressees
     designated by the Purchaser or such Depositor.

          (iii) If reasonably requested by the Purchaser or any Depositor, the
     Company shall provide such information regarding the Company, as servicer
     of the Mortgage Loans, and each Subservicer (each of the Company and each
     Subservicer, for purposes of

                                        6

     this paragraph, a "Servicer"), as is reasonably requested for the purpose
     of compliance with Item 1108 of Regulation AB. Such information shall
     include, at a minimum:

               (A) the Servicer's form of organization;

               (B) a description of how long the Servicer has been servicing
          residential mortgage loans; a general discussion of the Servicer's
          experience in servicing assets of any type as well as a more detailed
          discussion of the Servicer's experience in, and procedures for, the
          servicing function it will perform under this Agreement and any
          Reconstitution Agreements; information regarding the size, composition
          and growth of the Servicer's portfolio of residential mortgage loans
          of a type similar to the Mortgage Loans and information on factors
          related to the Servicer that may be material, in the reasonable
          determination of the Purchaser or any Depositor, to any analysis of
          the servicing of the Mortgage Loans or the related asset-backed
          securities, as applicable, including, without limitation:

                    (1) whether any prior securitizations of mortgage loans of a
               type similar to the Mortgage Loans involving the Servicer have
               defaulted or experienced an early amortization or other
               performance triggering event because of servicing during the
               three-year period immediately preceding the related
               Securitization Transaction;

                    (2) the extent of outsourcing the Servicer utilizes;

                    (3) whether there has been previous disclosure of material
               noncompliance with the applicable servicing criteria with respect
               to other securitizations of residential mortgage loans involving
               the Servicer as a servicer during the three-year period
               immediately preceding the related Securitization Transaction;

                    (4) whether the Servicer has been terminated as servicer in
               a residential mortgage loan securitization, either due to a
               servicing default or to application of a servicing performance
               test or trigger; and

                    (5) such other information as the Purchaser or any Depositor
               may reasonably request for the purpose of compliance with Item
               1108(b)(2) of Regulation AB;

               (C) a description of any material changes during the three-year
          period immediately preceding the related Securitization Transaction to
          the Servicer's policies or procedures with respect to the servicing
          function it will perform under this Agreement and any Reconstitution
          Agreements for mortgage loans of a type similar to the Mortgage Loans;

               (D) information regarding the Servicer's financial condition, to
          the extent that there is a material risk that an adverse financial
          event or circumstance involving the Servicer could have a material
          adverse effect on the performance by the Company of its servicing
          obligations under this Agreement or any Reconstitution Agreement;

                                        7

               (E) information regarding advances made by the Servicer on the
          Mortgage Loans and the Servicer's overall servicing portfolio of
          residential mortgage loans for the three-year period immediately
          preceding the related Securitization Transaction, which may be limited
          to a statement by an authorized officer of the Servicer to the effect
          that the Servicer has made all advances required to be made on
          residential mortgage loans serviced by it during such period, or, if
          such statement would not be accurate, information regarding the
          percentage and type of advances not made as required, and the reasons
          for such failure to advance;

               (F) a description of the Servicer's processes and procedures
          designed to address any special or unique factors involved in
          servicing loans of a similar type as the Mortgage Loans;

               (G) a description of the Servicer's processes for handling
          delinquencies, losses, bankruptcies and recoveries, such as through
          liquidation of mortgaged properties, sale of defaulted mortgage loans
          or workouts; and

               (H) information as to how the Servicer defines or determines
          delinquencies and charge-offs, including the effect of any grace
          period, re-aging, restructuring, partial payments considered current
          or other practices with respect to delinquency and loss experience.

          (iv) For the purpose of satisfying the reporting obligation under the
     Exchange Act with respect to any class of asset-backed securities, the
     Company shall (or shall cause each Subservicer and, if applicable, any
     Third-Party Originator to) (a) provide prompt notice to the Purchaser, any
     Master Servicer and any Depositor in writing of (1) any material litigation
     or governmental proceedings involving the Company, any Subservicer or any
     Third-Party Originator, (2) any Event of Default of which it is aware or
     has received notice under the terms of this Agreement or any related
     Reconstitution Agreement, (3) any merger or consolidation where the Company
     is not the surviving entity or sale of substantially all of the assets of
     the Company, and (4) the Company's entry into an agreement with a
     Subservicer to perform or assist in the performance of any of the Company's
     obligations under this Agreement or any applicable Reconstruction
     Agreement, and (b) provide to the Purchaser and any Depositor a description
     of such proceedings or relationships.

          (v) As a condition to the succession to the Company or any Subservicer
     as servicer or subservicer under this Agreement or any applicable
     Reconstitution Agreement related thereto by any Person (i) into which the
     Company or such Subservicer may be merged or consolidated, or (ii) which
     may be appointed as a successor to the Company or any Subservicer, the
     Company shall provide to the Purchaser, any Master Servicer and any
     Depositor, at least 15 calendar days prior to the effective date of such
     succession or appointment, (x) written notice to the Purchaser and any
     Depositor of such succession or appointment and (y) in writing, all
     information reasonably requested by the Purchaser or any Depositor in order
     to comply with its reporting obligation under Item 6.02 of Form 8-K with
     respect to any class of asset-backed securities.

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          (vi) In addition to such information as the Company, as servicer, is
     obligated to provide pursuant to other provisions of this Agreement, not
     later than ten days prior to the deadline for the filing of any
     distribution report on Form 10-D in respect of any Securitization
     Transaction that includes any of the Mortgage Loans serviced by the Company
     shall, to the extent the Company has knowledge, provide to the party
     responsible for filing such report (including, if applicable, the Master
     Servicer) notice of the occurrence of any of the following events along
     with all information, data, and materials related thereto as may be
     required to be included in the related distribution report on Form 10-D (as
     specified in the provisions of Regulation AB referenced below):

               (a) any material modifications, extensions or waivers of Mortgage
          Loan terms, fees, penalties or payments during the distribution period
          or that have cumulatively become material over time (Item 1121(a)(11)
          of Regulation AB);

               (b) material breaches of Mortgage Loan representations or
          warranties or transaction covenants (Item 1121(a)(12) of Regulation
          AB); and

               (c) information regarding any Mortgage Loan changes (such as,
          additions, substitutions or repurchases) and any material changes in
          origination, underwriting or other criteria for acquisition or
          selection of pool assets (Item 1121(a)(14) of Regulation AB).

          (vii) The Company shall provide to the Purchaser, any Master Servicer
     or any Depositor, upon written request, evidence of the authorization of
     the person signing any certification or statement.

          (viii) Except with respect to any affiliation or relationship required
     to be disclosed under Item 1119 of Regulation AB between the Purchaser or
     any Depositor, on one hand, and any of the parties identified to the
     Company pursuant to clause (D) of paragraph (i) of this Section 8.14(c), on
     the other hand, the Company shall provide to the Purchaser, any Master
     Servicer and any Depositor a description of any affiliation or relationship
     involving the Company, any Subservicer or any Third-Party Originator
     required to be disclosed under Item 1119 of Regulation AB no later than
     March 5th of each year after the closing date of the Securitization
     Transaction. For purposes of the foregoing, the Company (1) shall be
     entitled to assume that the parties to the Securitization Transaction with
     whom affiliations or relations must be disclosed are the same as on the
     closing date of the Securitization Transaction if it provides a written
     request (which may be by e-mail) to the Depositor requesting such
     confirmation and either obtains such confirmation or receives no response
     within three (3) Business Days, (2) shall not be obligated to disclose any
     affiliations or relationships that may develop after the closing date for
     the Securitization Transaction with any parties not identified to the
     Company pursuant to clause (D) of paragraph (i) of this Section 8.14(c),
     and (3) shall be entitled to rely upon any written identification of
     parties provided by the Depositor, the Purchaser or any Master Servicer.

                                        9

     (d)  Servicer Compliance Statement.

     On or before March 5th of each calendar year, commencing in 2007, the
Company shall deliver to the Purchaser, any Master Servicer and any Depositor a
statement of compliance addressed to the Purchaser, any Master Servicer and such
Depositor and signed by an authorized officer of the Company, to the effect that
(i) a review of the Company's servicing activities during the immediately
preceding calendar year (or applicable portion thereof) and of its performance
under this Agreement and any applicable Reconstitution Agreement during such
period has been made under such officer's supervision, and (ii) to the best of
such officers' knowledge, based on such review, the Company has fulfilled all of
its servicing obligations under this Agreement and any applicable Reconstitution
Agreement in all material respects throughout such calendar year (or applicable
portion thereof) or, if there has been a failure to fulfill any such servicing
obligation in any material respect, specifically identifying each such failure
known to such officer and the nature and the status thereof.

     (e)  Report on Assessment of Compliance and Attestation.

          (i) On or before March 5th of each calendar year, commencing in 2007,
     the Company shall:

               (A) deliver to the Purchaser, any Master Servicer and any
          Depositor a report regarding the Company's assessment of compliance
          with the Servicing Criteria during the immediately preceding calendar
          year, as required under Rules 13a-18 and 15d-18 of the Exchange Act
          and Item 1122 of Regulation AB. Such report shall be addressed to the
          Purchaser, any Master Servicer and such Depositor and signed by an
          authorized officer of the Company, and shall address each of the
          "Applicable Servicing Criteria" specified on Exhibit A hereto (wherein
          "investor" shall mean the Master Servicer) delivered to the Purchaser
          concurrently with the execution of this Agreement;

               (B) deliver to the Purchaser, any Master Servicer and any
          Depositor a report of a registered public accounting firm that attests
          to, and reports on, the assessment of compliance made by the Company
          and delivered pursuant to the preceding paragraph. Such attestation
          shall be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation
          S-X under the Securities Act and the Exchange Act;

               (C) cause each Subservicer and each Subcontractor determined by
          the Company pursuant to Section 8.14(f)(ii) to be "participating in
          the servicing function" within the meaning of Item 1122 of Regulation
          AB (each, a "Participating Entity") and to deliver to the Purchaser,
          any Master Servicer and any Depositor an assessment of compliance and
          accountants' attestation as and when provided in paragraphs (i) and
          (ii) of this Section 8.14(e); and

               (D) deliver, and, if required by Regulation AB, cause each
          Subservicer and Subcontractor described in clause (C) to provide, to
          the Purchaser, any Master Servicer and any Depositor or any other
          Person that will be responsible for

                                       10

          signing the certification (a "Sarbanes Certification") required by
          Rules 13a-14(d) and 15d-14(d) under the Exchange Act (pursuant to
          Section 302 of the Sarbanes-Oxley Act of 2002) on behalf of an
          asset-backed issuer with respect to a Securitization Transaction a
          certification, signed by the appropriate officer of the Company, in
          the form attached hereto as Exhibit E, as such form may be amended to
          comply with the requirements of the Exchange Act; provided that such
          certification delivered by the Company may not be filed as an exhibit
          to, or included in, any filing with the Commission.

     The Company acknowledges that the party identified in clause (i)(D) above
may rely on the certification provided by the Company pursuant to such clause in
signing a Sarbanes Certification and filing such with the Commission.

          (ii) Each assessment of compliance provided by a Subservicer pursuant
     to Section 8.14(e)(i)(A) shall address each of the applicable Servicing
     Criteria specified on a certification substantially in the form of Exhibit
     A hereto delivered to the Purchaser concurrently with the execution of this
     Agreement or, in the case of a Subservicer subsequently appointed as such,
     on or prior to the date of such appointment. An assessment of compliance
     provided by a Participating Entity pursuant to Section 8.14(e)(i)(C) need
     not address any elements of the Servicing Criteria other than those
     specified by the Company pursuant to Section 8.14(f).

     (f)  Use of Subservicers and Subcontractors.

     The Company shall not hire or otherwise utilize the services of any
Subservicer to fulfill any of the obligations of the Company as servicer under
this Agreement or any related Reconstitution Agreement unless the Company
complies with the provisions of paragraph (i) of this Subsection (f). The
Company shall not hire or otherwise utilize the services of any Subcontractor,
and shall not permit any Subservicer to hire or otherwise utilize the services
of any Subcontractor, to fulfill any of the obligations of the Company as
servicer under this Agreement or any related Reconstitution Agreement unless the
Company complies with the provisions of paragraph (ii) of this Subsection (f).

          (i) It shall not be necessary for the Company to seek the consent of
     the Purchaser, any Master Servicer or any Depositor to the utilization of
     any Subservicer. If required by Regulation AB, after reasonable notice from
     the Purchaser of the parties involved in a Securitization Transaction that
     are material to the Company's performance hereunder, the Company shall
     cause any Subservicer used by the Company (or by any Subservicer) for the
     benefit of the Purchaser and any Depositor to comply with the provisions of
     this Section and with Sections 8.14(b), 8.14(c)(iii), 8.14(c)(v), 8.14(d)
     and 8.14(e) of this Agreement, and to provide the information required with
     respect to such Subservicer under Section 8.14(c)(iv) of this Agreement.
     The Company shall be responsible for obtaining from each Subservicer and
     delivering to the Purchaser and any Depositor any servicer compliance
     statement required to be delivered by such Subservicer under Section
     8.14(d), any assessment of compliance and attestation required to be
     delivered by such Subservicer under Section 8.14(e) and any certification
     required

                                       11

     to be delivered to the Person that will be responsible for signing the
     Sarbanes Certification under Section 8.14(e) as and when required to be
     delivered.

          (ii) It shall not be necessary for the Company to seek the consent of
     the Purchaser or any Depositor to the utilization of any Subcontractor.
     After reasonable notice from the Purchaser of the parties involved in a
     Securitization Transaction that are material to the Company's performance
     hereunder, the Company shall promptly upon request provide to the Purchaser
     and any Depositor (or any designee of the Depositor, such as an
     administrator) a written description (in substance reasonably satisfactory
     to the Purchaser, such Depositor and such Master Servicer determined in
     consultation with the Company) of the role and function of each
     Subcontractor utilized by the Company or any Subservicer, specifying (A)
     the identity of each such Subcontractor, (B) which (if any) of such
     Subcontractors are "participating in the servicing function" within the
     meaning of Item 1122 of Regulation AB, and (C) which elements of the
     Servicing Criteria will be addressed in assessments of compliance provided
     by each Participating Entity identified pursuant to clause (B) of this
     paragraph.

     The Company shall cause any such Participating Entity used by the Company
(or by any Subservicer) for the benefit of the Purchaser and any Depositor to
comply with the provisions of Section 8.14(e) of this Agreement to the same
extent as if such Participating Entity were the Company. The Company shall be
responsible for obtaining from each Participating Entity and delivering to the
Purchaser and any Depositor any assessment of compliance and attestation and
certificate required to be delivered by such Participating Entity under Section
8.14(e), in each case as and when required to be delivered.

     (g)  Indemnification; Remedies.

          (i) The Company shall indemnify the Purchaser and each of the
     following parties participating in a Securitization Transaction: each
     sponsor and issuing entity; each Person responsible for the execution or
     filing of any report required to be filed with the Commission with respect
     to such Securitization Transaction, or for execution of a certification
     pursuant to Rule 13a-14(d) or Rule 15d-14(d) under the Exchange Act with
     respect to such Securitization Transaction; each broker dealer acting as
     underwriter, placement agent or initial purchaser; each Person who controls
     any of such parties (within the meaning of Section 15 of the Securities Act
     and Section 20 of the Exchange Act); and the respective present and former
     directors, officers and employees of each of the foregoing and of the
     Depositor (each, an "Indemnified Party"), and shall hold each of them
     harmless from and against any claims, losses, damages, penalties, fines,
     forfeitures, legal fees and expenses and related costs, judgments, and any
     other costs, fees and expenses that any of them may sustain arising out of
     or based upon:

               (A)(1) any untrue statement of a material fact contained or
          alleged to be contained in any information, report, certification,
          data, accountants' letter or other material in written or electronic
          format provided under this Amendment Reg AB by or on behalf of the
          Company, or provided under this Amendment Reg AB by or on behalf of
          any Subservicer, Participating Entity or, if applicable, Third-Party
          Originator (collectively, the "Company Information"), or (2) the
          omission

                                       12

          or alleged omission to state in the Company Information a material
          fact required to be stated in the Company Information or necessary in
          order to make the statements therein, in the light of the
          circumstances under which they were made, not misleading; provided, by
          way of clarification, that clause (2) of this paragraph shall be
          construed solely by reference to the Company Information and not to
          any other information communicated in connection with a sale or
          purchase of securities, without regard to whether the Company
          Information or any portion thereof is presented together with or
          separately from such other information;

               (B) any failure by the Company, any Subservicer, any
          Participating Entity or any Third-Party Originator to deliver any
          information, report, certification, accountants' letter or other
          material when and as required under this Amendment Reg AB, including
          any failure by the Company to identify pursuant to Section 8.14(f)(ii)
          any Participating Entity;

               (C) any breach by the Company of a representation or warranty set
          forth in Section 8.14(b)(i) or in a writing furnished pursuant to
          Section 8.14(b)(ii) and made as of a date prior to the closing date of
          the related Securitization Transaction, to the extent that such breach
          is not cured by such closing date, or any breach by the Company of a
          representation or warranty in a writing furnished pursuant to Section
          8.14(b)(ii) to the extent made as of a date subsequent to such closing
          date.

     If the indemnification provided for herein is unavailable or insufficient
to hold harmless an Indemnified Party, then the Company agrees that it shall
contribute to the amount paid or payable by such Indemnified Party as a result
of any claims, losses, damages or liabilities incurred by such Indemnified Party
in such proportion as is appropriate to reflect the relative fault of such
Indemnified Party on the one hand and the Company on the other.

     In the case of any failure of performance described in clause (i)(B) of
this Section, the Company shall promptly reimburse the Purchaser, any Depositor,
as applicable, and each Person responsible for the execution or filing of any
report required to be filed with the Commission with respect to such
Securitization Transaction, or for execution of a certification pursuant to Rule
13a-14(d) or Rule 15d-14(d) under the Exchange Act with respect to such
Securitization Transaction, for all costs reasonably incurred by each such party
in order to obtain the information, report, certification, accountants' letter
or other material not delivered as required by the Company, any Subservicer, any
Participating Entity or any Third-Party Originator.

          (ii) (A) Any failure by the Company, any Subservicer, any
     Participating Entity or any Third-Party Originator to deliver any
     information, report, certification, accountants' letter or other material
     when and as required under this Amendment Reg AB shall, except as provided
     in clause (B) of this paragraph, if not cured within three Business Days of
     the Company's receipt of notice of such failure (or immediately and
     automatically, without notice or grace period, in the event that such
     failure will result or has resulted in the Purchaser's or its affiliated
     sponsor's loss of right, for which the Purchaser or Depositor cannot obtain
     a waiver from the Commission, to maintain any registration statement
     relating to securitization transactions of the same type as the

                                       13

     Securitization Transactions contemplated hereunder) constitute an Event of
     Default with respect to the Company under this Agreement and any applicable
     Reconstitution Agreement] and shall entitle the Purchaser or any Depositor,
     as applicable, in its sole discretion to terminate the rights and
     obligations of the Company as servicer under this Agreement and/or any
     applicable Reconstitution Agreement related thereto without payment
     (notwithstanding anything in this Agreement or any applicable
     Reconstitution Agreement related thereto to the contrary) of any
     compensation to the Company (and if the Company is servicing any of the
     Mortgage Loans in a Securitization Transaction, appoint a successor
     servicer reasonably acceptable to any Master Servicer for such
     Securitization Transaction); provided, however it is understood that the
     Company shall remain entitled to receive reimbursement for all unreimbursed
     Monthly Advances and Servicing Advances made by the Company under this
     Agreement and/or any applicable Reconstitution Agreement. Notwithstanding
     anything to the contrary set forth herein, to the extent that any provision
     of this Agreement and/or any applicable Reconstitution Agreement expressly
     provides for the survival of certain rights or obligations following
     termination of the Company as servicer, such provision shall be given
     effect.

               (B) Any failure by the Company, any Subservicer or any
     Participating Entity to deliver any information, report, certification or
     accountants' letter when and as required under Section 8.14(d) or 8.14(e),
     including any failure by the Company to identify a Participating Entity
     pursuant to Section 8.14(f)(ii), which continues unremedied for nine (9)
     calendar days after receipt of written notice of such failure or breach
     from the Purchaser, its designees or the Depositor shall constitute an
     Event of Default with respect to the Company under this Agreement and any
     applicable Reconstitution Agreement, and shall entitle the Purchaser, the
     Master Servicer or any Depositor, as applicable, in its sole discretion to
     terminate the rights and obligations of the Company as servicer under this
     Agreement and/or any applicable Reconstitution Agreement without payment
     (notwithstanding anything in this Agreement to the contrary) of any
     compensation to the Company; provided, however, it is understood that the
     Company shall remain entitled to receive reimbursement for all unreimbursed
     Monthly Advances and Servicing Advances made by the Company under this
     Agreement and/or any applicable Reconstitution Agreement. Notwithstanding
     anything to the contrary set forth herein, to the extent that any provision
     of this Agreement and/or any applicable Reconstitution Agreement expressly
     provides for the survival of certain rights or obligations following
     termination of the Company as servicer, such provision shall be given
     effect.

               (C) The Company shall promptly reimburse the Purchaser (or any
     affected designee of the Purchaser, such as a master servicer) and any
     Depositor, as applicable, for all reasonable expenses incurred by the
     Purchaser (or such designee) or such Depositor as such are incurred, in
     connection with the termination of the Company as servicer and the transfer
     of servicing of the Mortgage Loans to a successor servicer. The provisions
     of this paragraph shall not limit whatever rights the Company, the
     Purchaser or any Depositor may have under other provisions of this
     Agreement and/or any applicable Reconstitution Agreement or otherwise,
     whether in equity or at law, such as an action for damages, specific
     performance or injunctive relief.

                                       14

          (iii) The Purchaser agrees to indemnify and hold harmless the Company,
     any Subservicer, any Participating Entity, and, if applicable, any
     Third-Party Originator, each Person who controls any of such parties
     (within the meaning of Section 15 of the Securities Act and Section 20 of
     the Exchange Act), and the respective present and former directors,
     officers and employees of each of the foregoing from and against any
     losses, damages, penalties, fines, forfeitures, legal fees and expenses and
     related costs, judgments, and any other costs, fees and expenses that any
     of them may sustain arising out of or based upon any untrue statement or
     alleged untrue statement of any material fact contained in any filing with
     the Commission or the omission or alleged omission to state in any filing
     with the Commission a material fact required to be stated or necessary to
     be stated in order to make the statements therein, in the light of the
     circumstances under which they were made, not misleading, in each case to
     the extent, but only to the extent, that such untrue statement, alleged
     untrue statement, omission, or alleged omission relates to any filing with
     the Commission other than the Company Information.

          (iv) This indemnification shall survive the termination of this
     Agreement or the termination of any party to this Agreement.

     (h)  Third-Party Beneficiary.

     Each Master Servicer shall be considered a third-party beneficiary of
Sections 8.14(d), 8.14(e) and 8.14(g) of this Agreement, entitled to all the
rights and benefits hereof as if it were a direct party to this Agreement."

3. Notwithstanding any other provision of this Amendment Reg AB, the Company
shall seek the consent of the Purchaser for the utilization of all Subservicers
and Participating Entities, when required by and in accordance with the terms of
the Existing Agreement.

4. The Existing Agreement is hereby amended by adding the Exhibit A attached
hereto as Exhibit G to the end thereto and deleting Exhibit F in its entirety
and replacing it with Exhibit B attached hereto. References in this Amendment
Reg AB to "this Agreement" or words of similar import (including indirect
references to the Agreement) shall be deemed to be references to the Existing
Agreement as amended by this Amendment Reg AB. Except as expressly amended and
modified by this Amendment Reg AB, the Agreement shall continue to be, and shall
remain, in full force and effect in accordance with its terms. In the event of a
conflict between this Amendment Reg AB and any other document or agreement,
including without limitation the Existing Agreement, this Amendment Reg AB shall
control.

5. This Amendment Reg AB may be executed in one or more counterparts and by
different parties hereto on separate counterparts, each of which, when so
executed, shall constitute one and the same agreement. This Amendment Reg AB
will become effective as of the date first mentioned above. This Amendment Reg
AB shall bind and inure to the benefit of and be enforceable by the Company and
the Purchaser and the respective permitted successors and assigns of the Company
and the successors and assigns of the Purchaser.

                            [Signature Page Follows]

                                       15

          IN WITNESS WHEREOF, the parties have caused their names to be signed
hereto by their respective officers thereunto duly authorized as of the day and
year first above written.

                                        BANK OF AMERICA, NATIONAL ASSOCIATION
                                        Purchaser

                                        By: /s/ Bruce W. Good
                                            ------------------------------------
                                        Name: Bruce W. Good
                                        Title: Vice President

                                        COUNTRYWIDE HOME LOANS, INC.
                                        Company

                                        By:
                                            ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:

                                              Signature page to Amendment Reg AB

                                    EXHIBIT A

         SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

     The assessment of compliance to be delivered by [the Company] [Name of
Subservicer] shall address, at a minimum, the applicable criteria identified
below as "Applicable Servicing Criteria":

                                                                                        APPLICABLE
                                                                                         SERVICING
                               SERVICING CRITERIA                                        CRITERIA
--------------------------------------------------------------------------------------------------------
    REFERENCE                                 CRITERIA
--------------------------------------------------------------------------------------------------------

                                    GENERAL SERVICING CONSIDERATIONS
--------------------------------------------------------------------------------------------------------
1122(d)(1)(i)      Policies and procedures are instituted to monitor any                     X
                   performance or other triggers and events of default in
                   accordance with the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(1)(ii)     If any material servicing activities are outsourced to third              X
                   parties, policies and procedures are instituted to monitor
                   the third party's performance and compliance with such
                   servicing activities.
--------------------------------------------------------------------------------------------------------
1122(d)(1)(iii)    Any requirements in the transaction agreements to maintain a
                   back-up servicer for the mortgage loans are maintained.
--------------------------------------------------------------------------------------------------------
1122(d)(1)(iv)     A fidelity bond and errors and omissions policy is in effect              X
                   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.
--------------------------------------------------------------------------------------------------------
                                   CASH COLLECTION AND ADMINISTRATION
--------------------------------------------------------------------------------------------------------
1122(d)(2)(i)      Payments on mortgage loans are deposited into the appropriate             X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(2)(ii)     Disbursements made via wire transfer on behalf of an obligor              X
                   or to an investor are made only by authorized personnel.
--------------------------------------------------------------------------------------------------------
1122(d)(2)(iii)    Advances of funds or guarantees regarding collections, cash               X
                   flows or distributions, and any interest or other fees
                   charged for such advances, are made, reviewed and approved as
                   specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(2)(iv)     The related accounts for the transaction, such as cash                    X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(2)(v)      Each custodial account is maintained at a federally insured               X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(2)(vi)     Unissued checks are safeguarded so as to prevent unauthorized             X
                   access.
--------------------------------------------------------------------------------------------------------

                                       A-1

                                                                                        APPLICABLE
                                                                                         SERVICING
                               SERVICING CRITERIA                                        CRITERIA
--------------------------------------------------------------------------------------------------------
    REFERENCE                                 CRITERIA
--------------------------------------------------------------------------------------------------------

1122(d)(2)(vii)    Reconciliations are prepared on a monthly basis for all                   X
                   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.
--------------------------------------------------------------------------------------------------------
                                   INVESTOR REMITTANCES AND REPORTING
--------------------------------------------------------------------------------------------------------
1122(d)(3)(i)      Reports to investors, including those to be filed with the                X
                   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 mortgage loans serviced by the Servicer.
--------------------------------------------------------------------------------------------------------
1122(d)(3)(ii)     Amounts due to investors are allocated and remitted in                    X
                   accordance with timeframes, distribution priority and other
                   terms set forth in the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(3)(iii)    Disbursements made to an investor are posted within two                   X
                   business days to the Servicer's investor records, or such
                   other number of days specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(3)(iv)     Amounts remitted to investors per the investor reports agree              X
                   with cancelled checks, or other form of payment, or custodial
                   bank statements.
--------------------------------------------------------------------------------------------------------
                                       POOL ASSET ADMINISTRATION
--------------------------------------------------------------------------------------------------------
1122(d)(4)(i)      Collateral or security on mortgage loans is maintained as                 X
                   required by the transaction agreements or related mortgage
                   loan documents.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(ii)     Mortgage loan and related documents are safeguarded as                    X
                   required by the transaction agreements
--------------------------------------------------------------------------------------------------------
1122(d)(4)(iii)    Any additions, removals or substitutions to the asset pool                X
                   are made, reviewed and approved in accordance with any
                   conditions or requirements in the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(iv)     Payments on mortgage loans, including any payoffs, made in                X
                   accordance with the related mortgage 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 mortgage loan documents.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(v)      The Servicer's records regarding the mortgage loans agree                 X
                   with the Servicer's records with respect to an obligor's
                   unpaid principal balance.
--------------------------------------------------------------------------------------------------------

                                       A-2

                                                                                         APPLICABLE
                                                                                         SERVICING
                               SERVICING CRITERIA                                         CRITERIA
--------------------------------------------------------------------------------------------------------
    REFERENCE                                 CRITERIA
--------------------------------------------------------------------------------------------------------

1122(d)(4)(vi)     Changes with respect to the terms or status of an obligor's               X
                   mortgage 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.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(vii)    Loss mitigation or recovery actions (e.g., forbearance plans,             X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(viii)   Records documenting collection efforts are maintained during              X
                   the period a mortgage 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 mortgage loans including, for
                   example, phone calls, letters and payment rescheduling plans
                   in cases where delinquency is deemed temporary (e.g., illness
                   or unemployment).
--------------------------------------------------------------------------------------------------------
1122(d)(4)(ix)     Adjustments to interest rates or rates of return for mortgage             X
                   loans with variable rates are computed based on the related
                   mortgage loan documents.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(x)      Regarding any funds held in trust for an obligor (such as                 X
                   escrow accounts): (A) such funds are analyzed, in accordance
                   with the obligor's mortgage 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
                   mortgage loan documents and state laws; and (C) such funds
                   are returned to the obligor within 30 calendar days of full
                   repayment of the related mortgage loans, or such other number
                   of days specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(xi)     Payments made on behalf of an obligor (such as tax or                     X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(xii)    Any late payment penalties in connection with any payment to              X
                   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.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(xiii)   Disbursements made on behalf of an obligor are posted within              X
                   two business days to the obligor's records maintained by the
                   servicer, or such other number of days specified in the
                   transaction agreements.
--------------------------------------------------------------------------------------------------------

                                       A-3

--------------------------------------------------------------------------------------------------------

1122(d)(4)(xiv)    Delinquencies, charge-offs and uncollectible accounts are                 X
                   recognized and recorded in accordance with the transaction
                   agreements.
--------------------------------------------------------------------------------------------------------
1122(d)(4)(xv)     Any external enhancement or other support, identified in Item             X
                   1114(a)(1) through (3) or Item 1115 of Regulation AB, is        IF OBLIGATED UNDER
                   maintained as set forth in the transaction agreements.          TRANSACTION DOCUMENTS
--------------------------------------------------------------------------------------------------------

                                        [NAME OF COMPANY] [NAME OF SUBSERVICER]

                                        Date:

                                        By:
                                             -----------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:

                                       A-4

                                    EXHIBIT B

                          FORM OF ANNUAL CERTIFICATION

     Re:  The [______________] agreement dated as of [____________], 200[_] (the
          "Agreement"), among [IDENTIFY PARTIES]

     I, ________________________________, the _____________________ of Bank of
America, National Association (the "Company"), certify to [the Purchaser], [the
Depositor] or the [Master Servicer] [Securities Administrator] [Trustee], and
their officers, with the knowledge and intent that they will rely upon this
certification, that:

     (1) I have reviewed the servicer compliance statement of the Company
provided in accordance with Item 1123 of Regulation AB (the "Compliance
Statement"), the report on assessment of the Company's compliance with the
servicing criteria set forth in Item 1122(d) of Regulation AB and identified as
the responsibility of the Company on Exhibit B to the Regulation AB Compliance
Addendum to the Agreement (the "Servicing Criteria"), provided in accordance
with Rules 13a-18 and 15d-18 under Securities Exchange Act of 1934, as amended
(the "Exchange Act") and Item 1122 of Regulation AB (the "Servicing
Assessment"), the registered public accounting firm's attestation report
provided in accordance with Rules 13a-18 and 15d-18 under the Exchange Act and
Section 1122(b) of Regulation AB (the "Attestation Report"), and all servicing
reports, officer's certificates and other information relating to the servicing
of the Mortgage Loans by the Company during 200[ ] that were delivered by the
Company to the [Depositor] [Master Servicer] [Securities Administrator]
[Trustee] pursuant to the Agreement (collectively, the "Company Servicing
Information");

     (2) Based on my knowledge, the Company Servicing Information, taken as a
whole, does not contain any untrue statement of a material fact or omit to state
a material fact necessary to make the statements made, in the light of the
circumstances under which such statements were made, not misleading with respect
to the period of time covered by the Company Servicing Information;

     (3) Based on my knowledge, all of the Company Servicing Information
required to be provided by the Company under the Agreement has been provided to
the [Depositor] [Master Servicer] [Securities Administrator] [Trustee];

     (4) I am responsible for reviewing the activities performed by the Company
as servicer under the Agreement, and based on my knowledge and the compliance
review conducted in preparing the Compliance Statement and except as disclosed
in the Compliance Statement, the Servicing Assessment or the Attestation Report,
the Company has fulfilled its obligations under the Agreement in all material
respects; and

     (5) The Compliance Statement required to be delivered by the Company
pursuant to this Agreement, and the Servicing Assessment and Attestation Report
required to be provided by the Company and by any Subservicer and Subcontractor
pursuant to the Agreement, have been provided to the [Depositor] [Master
Servicer]. Any material instances of noncompliance

                                      A-5

described in such reports have been disclosed to the [Depositor] [Master
Servicer]. Any material instance of noncompliance with the Servicing Criteria
has been disclosed in such reports.

                                        Date:
                                              ----------------------------------

                                        By:
                                            ------------------------------------
                                        Name:
                                        Title:

                                       A-6EXECUTION VERSION

                ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

     Assignment, Assumption and Recognition Agreement (the "Agreement"), dated
April 28, 2006, is among Bank of America, National Association, a national
banking association ("Assignor"), Banc of America Funding Corporation, a
Delaware corporation ("BAFC"), U.S. Bank National Association, a national
banking association, as trustee of the Banc of America Funding 2006-D Trust
("Assignee"), Wells Fargo Bank, N.A., a national banking association ("Wells
Fargo Bank"), as master servicer of the Banc of America Funding 2006-D Trust,
Countrywide Home Loans, Inc. (the "Company"), and Countrywide Home Loans
Servicing LP ("Countrywide").

     WHEREAS, pursuant to (i) that certain Master Mortgage Loan Purchase and
Servicing Agreement, dated as of April 1, 2003, by and between Assignor (as
successor in interest to Banc of America Mortgage Capital Corporation
("BAMCC")), as purchaser, and the Company, as seller, (ii) that certain
Amendment No. 1, dated as of July 1, 2003, by and among BAMCC, the Company and
the Assignor, (iii) that certain Amendment No. 2, dated as of September 1, 2004,
by and among BAMCC, the Company and the Assignor, (iv) that certain Amendment
Reg AB to the Master Mortgage Loan Purchase and Servicing Agreement (the
"Amendment Reg AB"), dated as of January 1, 2006, by and between the Company and
the Assignor, (v) that certain Purchase Confirmation, dated as of October 26,
2004, by and between the Company and the Assignor, (vi) that certain Purchase
Confirmation, dated as of October 25, 2005, by and between the Company and the
Assignor, (vii) that certain Purchase Confirmation, dated as of November 16,
2005, by and between the Company and the Assignor, (viii) that certain Purchase
Confirmation, dated as of November 22, 2005, by and between the Company and the
Assignor, (ix) that certain Purchase Confirmation, dated as of December 29,
2005, by and between the Company and the Assignor and (x) that certain Purchase
Confirmation, dated as of March 30, 2006, by and between the Company and the
Assignor (collectively, the "Purchase and Servicing Agreement"), each of which
is attached in Appendix I hereto, the Assignor purchased the Mortgage Loans (as
defined herein) from the Company;

     WHEREAS, on the date hereof, the Assignor is transferring all of its right,
title and interest in and to the Mortgage Loans to BAFC;

     WHEREAS, on the date hereof, BAFC is transferring all of its right, title
and interest in and to the Mortgage Loans to the Assignee;

     WHEREAS, on the date hereof, the Company is transferring all of its right,
title and interest in and to the servicing of the Mortgage Loans to Countrywide;
and

     WHEREAS, on the date hereof, Wells Fargo Bank, as master servicer (in such
capacity, the "Master Servicer"), is entering into a Pooling and Servicing
Agreement, dated the date hereof (the "Pooling Agreement), among BAFC, the
Master Servicer, Wells Fargo Bank, as securities administrator (the "Securities
Administrator"), and the

Assignee, pursuant to which the Master Servicer will supervise, monitor and
oversee the servicing of the Mortgage Loans.

     For and in consideration of the sum of one dollar ($1.00) and other
valuable consideration the receipt and sufficiency of which are hereby
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:

     1. The Assignor hereby grants, transfers and assigns to BAFC, and BAFC
hereby grants, transfers and assigns to Assignee, all of the right, title and
interest of the Assignor in, to and under the Purchase and Servicing Agreement,
and the mortgage loans delivered under such agreement by Countrywide to the
Assignor and listed on Exhibit A attached hereto (the "Mortgage Loans").

     The Assignor specifically reserves and does not assign to BAFC or the
Assignee any right, title and interest in, to or under any mortgage loan subject
to the Purchase and Servicing Agreement other than the Mortgage Loans.

     2. The Company hereby grants, transfers and assigns to Countrywide all of
the right, title and interest of the Company in, to and under the servicing
rights under the Purchase and Servicing Agreement as it relates to the mortgage
loans and only the mortgage loans delivered under such agreement by Countrywide
to the Assignor and listed on Exhibit A attached hereto (the "Mortgage Loans").
The parties hereto acknowledge that Countrywide shall service the Mortgage Loans
on behalf of the Company in accordance with the Purchase and Servicing Agreement
from the date hereof. Countrywide hereby assumes all of the Company's
obligations and duties under the Purchase and Servicing Agreement as it relates
to the Mortgage Loans from and after the date hereof. The Company specifically
reserves and does not assign to Countrywide any right, title and interest in, to
or under (i) the Purchase and Servicing Agreement as it relates to any mortgage
loans other than the Mortgage Loans or (ii) any mortgage loans subject to the
Purchase and Servicing Agreement other than the Mortgage Loans. Notwithstanding
the foregoing, it is understood that the Company is not released from liability
to the Assignor, or its permitted successors and assigns, for any breaches of
any representations, warranties or covenants made by the Company in the Purchase
and Servicing Agreement prior to the date hereof.

     3. The Assignor warrants and represents to, and covenants with, BAFC and
the Assignee that:

          a. The Assignor is the lawful owner of the Mortgage Loans with the
     full right to transfer the Mortgage Loans free from any and all claims and
     encumbrances whatsoever;

          b. The Assignor has not received notice of, and has no knowledge of,
     any offsets, counterclaims or other defenses available to Countrywide with
     respect to the Purchase and Servicing Agreement or the Mortgage Loans;

2

          c. The Assignor has not waived or agreed to any waiver under, or
     agreed to any amendment or other modification of, the Purchase and
     Servicing Agreement or the Mortgage Loans, including without limitation the
     transfer of the servicing obligations under the Purchase and Servicing
     Agreement. The Assignor has no knowledge of, and has not received notice
     of, any waivers under or amendments or other modifications of, or
     assignments of rights or obligations under, the Purchase and Servicing
     Agreement or the Mortgage Loans; and

          d. Neither the Assignor nor anyone acting on its behalf has offered,
     transferred, pledged, sold or otherwise disposed of the Mortgage Loans, any
     interest in the Mortgage Loans or any other similar security to, or
     solicited any offer to buy or accept a transfer, pledge or other
     disposition of the Mortgage Loans, any interest in the Mortgage Loans or
     any other similar security from, or otherwise approached or negotiated with
     respect to the Mortgage Loans, any interest in the Mortgage Loans or any
     other similar security with, any person in any manner, or made any general
     solicitation by means of general advertising or in any other manner, or
     taken any other action which would constitute a distribution of the
     Mortgage Loans under the Securities Act of 1933, as amended (the
     "Securities Act"), or which would render the disposition of the Mortgage
     Loans a violation of Section 5 of the Securities Act or require
     registration pursuant thereto.

     4. From and after the date hereof, Countrywide shall (i) note the transfer
of the Mortgage Loans to the Assignee in its books and records, (ii) recognize
the Assignee as the owner of the Mortgage Loans and (iii) notwithstanding
anything to the contrary contained in Section 8.07 of the Purchase and Servicing
Agreement, shall service the Mortgage Loans pursuant to the Purchase and
Servicing Agreement, as modified by Section 10 hereof, for the benefit of the
Assignee.

     5. Countrywide hereby acknowledges that Wells Fargo Bank, N.A. has been
appointed as the Master Servicer of the Mortgage Loans pursuant to the Pooling
Agreement, and therefore has the right to enforce all obligations of Countrywide
as they relate to the Mortgage Loans, under the Purchase and Servicing
Agreement, including, without limitation, the right to exercise any and all
rights of the Assignor (but not the obligations) under the Purchase and
Servicing Agreement to monitor and enforce the obligations of Countrywide
thereunder, the right to terminate Countrywide under the Purchase and Servicing
Agreement upon the occurrence of an event of default thereunder, the right to
receive all remittances required to be made by Countrywide under the Purchase
and Servicing Agreement, the right to receive all monthly reports and other data
required to be delivered by Countrywide under the Purchase and Servicing
Agreement, the right to examine the books and records of Countrywide or the
Company (as such books and records relate to the prior period of servicing of
the Mortgage Loans by the Company), and the right to exercise certain rights of
consent and approval relating to actions taken by Countrywide. Notwithstanding
the foregoing, it is understood that Countrywide shall not be obligated to
defend and indemnify and hold harmless the

3

Master Servicer, the Assignor, the Assignee, the Trust, and BAFC against any
losses, damages, penalties, fines, forfeitures, judgments and any related costs
including, without limitation, reasonable and necessary legal fees, resulting
from (i) actions or inactions of Countrywide which were taken or omitted upon
the instruction or direction of the Master Servicer or (ii) the failure of the
Assignee or the Master Servicer acting in its capacity as agent for the Trust to
perform the obligations of the "Purchaser" under the Purchase and Servicing
Agreement. Wire remittances shall be sent to: WELLS FARGO BANK, N.A., ABA#
121000248, FOR CREDIT TO: SAS CLEARING, ACCT: 3970771416, FFC TO: BAFC 2006-D #
50911100.

     6. Countrywide hereby represents and warrants to each of the other parties
hereto (i) that the representations and warranties in Section 3.01 of the
Purchase and Servicing Agreement are true and correct in all material respects
as of the date hereof with the same force and effect as though expressly made by
Countrywide at and/or as of the date hereof, (ii) the Mortgage Loans have been
serviced in accordance with the terms of the Purchase and Servicing Agreement,
(iii) that the Company has taken no action nor omitted to take any required
action the omission of which would have the effect of impairing any mortgage
insurance or guarantee on the Mortgage Loans and (iv) that any information
provided by the Company on or before the date hereof to any of the parties
hereto is true and correct.

     7. Countrywide hereby agrees to cooperate with BAFC, the Master Servicer
and the Assignee to enable BAFC, the Master Servicer and the Securities
Administrator to fully comply with all Securities and Exchange Commission
("SEC") disclosure and reporting requirements in effect from time to time with
respect to the trust created by the Pooling Agreement (which shall be named
"Banc of America Funding 2006-D Trust") (the "Trust") and any securities
representing ownership interests in or backed by assets of the Trust, including
without limitation, the SEC's recently published rules regarding asset-backed
securities (Release Nos. 33-8518; 34-50905; File No. S7-21-0433-8419) as set
forth in the Amendment Reg AB.

     8. Countrywide hereby agrees that, in connection with each Mortgage Loan of
which the related Mortgage has been recorded in the name of MERS or its
designee, it shall take all actions as are necessary to cause the Assignee, as
trustee of the Trust pursuant to the Pooling Agreement, to be shown as the owner
of such Mortgage Loan on the records of MERS for purposes of the system of
recording transfers of beneficial ownership of mortgages maintained by MERS.

     9. In accordance with Sections 2.05 and 7.01 of the Purchase and Servicing
Agreement, the Assignor hereby instructs Countrywide, and Countrywide hereby
agrees, to release from its custody and deliver the contents of the Collateral
File (as defined in the Purchase and Servicing Agreement) for each Mortgage Loan
to U.S. Bank National Association, in its capacity as custodian under the
Pooling Agreement on or before the closing date of the related Pass-Through
Transfer (as defined in the Purchase and Servicing Agreement).

4

     10. Countrywide, BAFC and Assignee hereby agree to the following
modifications to the Purchase and Servicing Agreement solely with respect to the
Mortgage Loans:

          a. Article I. The definition of "Qualified Substitute Mortgage Loan"
     is hereby replaced in its entirety with the following:

     "A mortgage loan that must, on the date of such substitution, (i) have an
     unpaid principal balance, after deduction of all scheduled payments due in
     the month of substitution (or if more than one (1) mortgage loan is being
     substituted, an aggregate principal balance), not in excess of the unpaid
     principal balance of the repurchased Mortgage Loan (the amount of such
     shortfall will be deposited in the Custodial Account by Countrywide in the
     month of substitution); (ii) have a Mortgage Interest Rate not less than,
     and not more than two percent (2%) greater than, the Mortgage Interest Rate
     of the repurchased Mortgage Loan; (iii) have a remaining term to maturity
     not greater than and not more than one year less than that of the
     repurchased Mortgage Loan; (iv) comply with each representation and
     warranty set forth in Sections 3.01 and 3.02; (v) be of the same type as
     the repurchased Mortgage Loan; (vi) have a Gross Margin not less than that
     of the repurchased Mortgage Loan; (vii) have the same Index as the
     repurchased Mortgage Loan; (viii) have a FICO score not less than that of
     the repurchased Mortgage Loan, (ix) have an LTV not greater than that of
     the repurchased Mortgage Loan; (x) have a credit grade not lower in quality
     than that of the repurchased Mortgage Loan and (xi) have the same lien
     status as the repurchased Mortgage Loan."

          b. Section 5.01. The following is added as the second paragraph of
     Section 5.01:

     "With respect to any remittance received by the Purchaser or any master
     servicer after the Business Day on which such payment was due, Countrywide
     shall pay to the Purchaser or any master servicer interest on any such late
     payment at an annual rate equal to the rate of interest as is publicly
     announced from time to time at its principal office by JPMorgan Chase Bank,
     New York, New York, as its prime lending rate, adjusted as of the date of
     each change, plus one percentage point, but in no event greater than the
     maximum amount permitted by applicable law. Such interest shall be paid by
     Countrywide to the Purchaser or any master servicer on the date such late
     payment is made and shall cover the period commencing with the day such
     remittance was due and ending with the Business Day on which such payment
     is made, both inclusive. Such interest shall be remitted along with such
     late payment. The payment by Countrywide of any such interest shall not be
     deemed an extension of time for payment or a waiver of any Event of Default
     by Countrywide."

          c. Section 5.02. The first paragraph of Section 5.02 is hereby
     modified to read as follows:

5

     "Not later than the fifth (5th) Business Day of each month, Countrywide
     shall furnish to the Purchaser a delinquency report in the form set forth
     in Exhibit H-1, a monthly remittance advice in the form set forth in
     Exhibit H-2, and a realized loss report in the form set forth in Exhibit
     H-3, each in a mutually agreeable electronic format, as to the remittance
     on such Remittance Date and as to the period ending on the last day of the
     month preceding such Remittance Date."

     The exhibits referenced in this Section 10(c) are attached to this
     Agreement on Exhibit B hereto.

     Section 7.01. Section 7.01(a)(i) is hereby modified by deleting "three (3)
     Business Days" and replacing it with "two (2) Business Days (but in no
     event later than the 20th day of the month)".

     11. The Assignee's address for purposes of all notices and correspondence
related to the Mortgage Loans and the Purchase and Servicing Agreement is:

     U.S. Bank National Association
     209 S. LaSalle Street, Suite 300
     Chicago, Illinois 60604
     Attention: Structured Finance Trust Services, BAFC 2006-D

     The Assignor's address for purposes of all notices and correspondence
related to the Mortgage Loans and the Purchase and Servicing Agreement is:

     Bank of America, National Association
     214 North Tryon Street
     Charlotte, North Carolina 28255
     Attention: Managing Director

     BAFC's address for purposes of all notices and correspondence related to
the Mortgage Loans is:

     Banc of America Funding Corporation
     214 North Tryon Street
     Charlotte, North Carolina 28255
     Attention: General Counsel and Chief Financial Officer

                               [Signatures Follow]

6

     IN WITNESS WHEREOF, the parties have caused this Assignment, Assumption and
Recognition Agreement to be executed by their duly authorized officers as of the
date first above written.

                                        Bank of America, National
                                        Association, Assignor

                                        By: /s/ Bruce W. Good
                                            ------------------------------------
                                        Name: Bruce W. Good
                                        Title: Vice President

                                        U.S. Bank National Association,
                                        Assignee

                                        By: /s/ Melissa A. Rosal
                                            ------------------------------------
                                        Name: Melissa A. Rosal
                                        Title: Vice President

                                        Banc of America Funding Corporation

                                        By: /s/ Scott Evans
                                            ------------------------------------
                                        Name: Scott Evans
                                        Title: Senior Vice President

                                        Countrywide Home Loans, Inc.

                                        By: /s/ Monica Brudenell
                                            ------------------------------------
                                        Name: Monica Brudenell
                                        Title: First Vice President

                                        Countrywide Home Loans Servicing LP

                                        By: Countrywide GP, Inc., its general
                                            partner

                                            By: /s/ Monica Brudenell
                                                --------------------------------
                                            Name: Monica Brudenell
                                            Title: First Vice President

   [BAFC 2006-D Countrywide Assignment, Assumption and Recognition Agreement]

Acknowledged and Agreed
as of the date first above written:

Wells Fargo Bank, N.A., as Master Servicer

By: /s/ Peter A Gobell
    -------------------------------------
Name: Peter A. Gobell
Title: Vice President

   [BAFC 2006-D Countrywide Assignment, Assumption and Recognition Agreement]

                                    EXHIBIT A

                           Schedule of Mortgage Loans

                                       A-1

                                    EXHIBIT B

EXHIBIT H-1 -- REPORTING DATA FOR DEFAULTED LOANS

Data must be submitted to Wells Fargo Bank in an EXCEL spreadsheet format with
fixed field names and data type. The EXCEL spreadsheet should be used as a
template consistently every month when submitting data.

TABLE: DELINQUENCY

NAME                                           TYPE                         SIZE
--------------------------------------------------------------------------------
SERVICER LOAN #                                NUMBER (DOUBLE)                 8
INVESTOR LOAN #                                NUMBER (DOUBLE)                 8
BORROWER NAME                                  TEXT                           20
ADDRESS                                        TEXT                           30
STATE                                          TEXT                            2
Due Date                                       Date/Time                       8
ACTION CODE                                    TEXT                            2
FC Received                                    Date/Time                       8
File Referred to Atty                          Date/Time                       8
NOD                                            Date/Time                       8
Complaint Filed                                Date/Time                       8
Sale Published                                 Date/Time                       8
Target Sale Date                               Date/Time                       8
Actual Sale Date                               Date/Time                       8
Loss Mit Approval Date                         Date/Time                       8
Loss Mit Type                                  Text                            5
Loss Mit Estimated Completion Date             Date/Time                       8
Loss Mit Actual Completion Date                Date/Time                       8
Loss Mit Broken Plan Date                      Date/Time                       8
BK Chapter                                     Text                            6
BK Filed Date                                  Date/Time                       8
Post Petition Due                              Date/Time                       8
Motion for Relief                              Date/Time                       8
Lift of Stay                                   Date/Time                       8
RFD                                            Text                           10
Occupant Code                                  Text                           10
Eviction Start Date                            Date/Time                       8
Eviction Completed Date                        Date/Time                       8
List Price                                     Currency                        8

List Date                                      Date/Time                       8
Accepted Offer Price                           Currency                        8
Accepted Offer Date                            Date/Time                       8
Estimated REO Closing Date                     Date/Time                       8
Actual REO Sale Date                           Date/Time                       8

o    ITEMS IN BOLD ARE MANDATORY FIELDS. WE MUST RECEIVE INFORMATION IN THOSE
     FIELDS EVERY MONTH IN ORDER FOR YOUR FILE TO BE ACCEPTED.

The Action Code Field should show the applicable numeric code to indicate that a
special action is being taken. The Action Codes are the following:

     12-RELIEF PROVISIONS
     15-BANKRUPTCY/LITIGATION
     20-REFERRED FOR DEED-IN-LIEU
     30-REFERRED FORE FORECLOSURE
     60-PAYOFF
     65-REPURCHASE
     70-REO-HELD FOR SALE
     71-THIRD PARTY SALE/CONDEMNATION
     72-REO-PENDING CONVEYANCE-POOL INSURANCE CLAIM FILED

Wells Fargo Bank will accept alternative Action Codes to those above, provided
that the Codes are consistent with industry standards. If Action Codes other
than those above are used, the Servicer must supply Wells Fargo Bank with a
description of each of the Action Codes prior to sending the file.

Description of Action Codes:

ACTION CODE 12 - To report a Mortgage Loan for which the Borrower has been
granted relief for curing a delinquency. The Action Date is the date the relief
is expected to end. For military indulgence, it will be three months after the
Borrower's discharge from military service.

ACTION CODE 15 - To report the Borrower's filing for bankruptcy or instituting
some other type of litigation that will prevent or delay liquidation of the
Mortgage Loan. The Action Date will be either the date that any repayment plan
(or forbearance) instituted by the bankruptcy court will expire or an additional
date by which the litigation should be resolved.

ACTION CODE 20 - To report that the Borrower has agreed to a deed-in-lieu or an
assignment of the property. The Action Date is the date the Servicer decided to
pursue a deed-in-lieu or the assignment.

ACTION CODE 30 - To report that the decision has been made to foreclose the
Mortgage Loan. The Action Date is the date the Servicer referred the case to the
foreclosure attorney.

ACTION CODE 60 - To report that a Mortgage Loan has been paid in full either at,
or prior to, maturity. The Action Date is the date the pay-off funds were
remitted to the Master Servicer.

ACTION CODE 65 - To report that the Servicer is repurchasing the Mortgage Loan.
The Action Date is the date the repurchase proceeds were remitted to the Master
Servicer.

ACTION CODE 70 - To report that a Mortgage Loan has been foreclosed or a
deed-in-lieu of foreclosure has been accepted, and the Servicer, on behalf of
the owner of the Mortgage Loan, has acquired the property and may dispose of it.
The Action Date is the date of the foreclosure sale or, for deeds-in-lieu, the
date the deed is recorded on behalf of the owner of the Mortgage Loan.

ACTION CODE 71 - To report that a Mortgage Loan has been foreclosed and a third
party acquired the property, or a total condemnation of the property has
occurred. The Action Date is the date of the foreclosure sale or the date the
condemnation award was received.

ACTION CODE 72 - To report that a Mortgage Loan has been foreclosed, or a
deed-in-lieu has been accepted, and the property may be conveyed to the mortgage
insurer and the pool insurance claim has been filed. The Action Date is the date
of the foreclosure sale, or, for deeds-in-lieu, the date of the deed for
conventional mortgages.

The Loss Mit Type field should show the approved Loss Mitigation arrangement.
The following are acceptable:

     ASUM-APPROVED ASSUMPTION
     BAP-BORROWER ASSISTANCE PROGRAM
     CO-CHARGE OFF
     DIL-DEED-IN-LIEU
     FFA-FORMAL FORBEARANCE AGREEMENT
     MOD-LOAN MODIFICATION
     PRE-PRE-SALE
     SS-SHORT SALE
     MISC-ANYTHING ELSE APPROVED BY THE PMI OR POOL INSURER

Wells Fargo Bank will accept alternative Loss Mitigation Types to those above,
provided that they are consistent with industry standards. If Loss Mitigation
Types other than those above are used, the Servicer must supply Wells Fargo Bank
with a description of each of the Loss Mitigation Types prior to sending the
file.

The Occupant Code field should show the current status of the property. The
acceptable codes are:

     MORTGAGOR
     TENANT
     UNKNOWN
     VACANT

EXHIBIT H-2: STANDARD FILE LAYOUT - SCHEDULED/SCHEDULED

COLUMN NAME              DESCRIPTION                                  DECIMAL   FORMAT COMMENT                            MAX SIZE
----------------------------------------------------------------------------------------------------------------------------------

SER_INVESTOR_NBR         A value assigned by the Servicer to define             Text up to 10 digits                         20
                         a group of loans.
----------------------------------------------------------------------------------------------------------------------------------
LOAN_NBR                 A unique identifier assigned to each loan              Text up to 10 digits                         10
                         by the investor.
----------------------------------------------------------------------------------------------------------------------------------
SERVICER_LOAN_NBR        A unique number assigned to a loan by the              Text up to 10 digits                         10
                         Servicer. This may be different than the
                         LOAN_NBR.
----------------------------------------------------------------------------------------------------------------------------------
BORROWER_NAME            The borrower name as received in the file.             Maximum length of 30 (Last, First)           30
                         It is not separated by first and last
                         name.
----------------------------------------------------------------------------------------------------------------------------------
SCHED_PAY_AMT            Scheduled monthly principal and scheduled       2      No commas(,) or dollar signs ($)             11
                         interest payment that a borrower is
                         expected to pay, P&I constant.
----------------------------------------------------------------------------------------------------------------------------------
NOTE_INT_RATE            The loan interest rate as reported by the       4      Max length of 6                               6
                         Servicer.
----------------------------------------------------------------------------------------------------------------------------------
NET_INT_RATE             The loan gross interest rate less the           4      Max length of 6                               6
                         service fee rate as reported by the
                         Servicer.
----------------------------------------------------------------------------------------------------------------------------------
SERV_FEE_RATE            The servicer's fee rate for a loan as           4      Max length of 6                               6
                         reported by the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
SERV_FEE_AMT             The servicer's fee amount for a loan as         2      No commas(,) or dollar signs ($)             11
                         reported by the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
NEW_PAY_AMT              The new loan payment amount as reported by      2      No commas(,) or dollar signs ($)             11
                         the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
NEW_LOAN_RATE            The new loan rate as reported by the            4      Max length of 6                               6
                         Servicer.
----------------------------------------------------------------------------------------------------------------------------------
ARM_INDEX_RATE           The index the Servicer is using to              4      Max length of 6                               6
                         calculate a forecasted rate.
----------------------------------------------------------------------------------------------------------------------------------
ACTL_BEG_PRIN_BAL        The borrower's actual principal balance at      2      No commas(,) or dollar signs ($)             11
                         the beginning of the processing cycle.
----------------------------------------------------------------------------------------------------------------------------------
ACTL_END_PRIN_BAL        The borrower's actual principal balance at      2      No commas(,) or dollar signs ($)             11
                         the end of the processing cycle.
----------------------------------------------------------------------------------------------------------------------------------
BORR_NEXT_PAY_DUE_DATE   The date at the end of processing cycle                MM/DD/YYYY                                   10
                         that the borrower's next payment is due to
                         the Servicer, as reported by Servicer.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_1          The first curtailment amount to be              2      No commas(,) or dollar signs ($)             11
                         applied.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_1         The curtailment date associated with the               MM/DD/YYYY                                   10
                         first curtailment amount.
----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_ AMT_1          The curtailment interest on the first           2      No commas(,) or dollar signs ($)             11
                         curtailment amount, if applicable.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_2          The second curtailment amount to be             2      No commas(,) or dollar signs ($)             11
                         applied.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_2         The curtailment date associated with the               MM/DD/YYYY                                   10
                         second curtailment amount.
----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_ AMT_2          The curtailment interest on the second          2      No commas(,) or dollar signs ($)             11
                         curtailment amount, if applicable.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_3          The third curtailment amount to be              2      No commas(,) or dollar signs ($)             11
                         applied.
----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_3         The curtailment date associated with the               MM/DD/YYYY                                   10
                         third curtailment amount.
----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_AMT_3           The curtailment interest on the third           2      No commas(,) or dollar signs ($)             11
                         curtailment amount, if applicable.
----------------------------------------------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------------------------------------------
PIF_AMT                  The loan "paid in full" amount as reported      2      No commas(,) or dollar signs ($)             11
                         by the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
PIF_DATE                 The paid in full date as reported by the               MM/DD/YYYY                                   10
                         Servicer.
----------------------------------------------------------------------------------------------------------------------------------
ACTION_CODE              The standard FNMA numeric code used to                 Action Code Key: 15=Bankruptcy,               2
                         indicate the default/delinquent status of              30=Foreclosure, , 60=PIF,
                         a particular loan.                                     63=Substitution, 65=Repurchase,70=REO
----------------------------------------------------------------------------------------------------------------------------------
INT_ADJ_AMT              The amount of the interest adjustment as        2      No commas(,) or dollar signs ($)             11
                         reported by the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
SOLDIER_SAILOR_ADJ_AMT   The Soldier and Sailor Adjustment amount,       2      No commas(,) or dollar signs ($)             11
                         if applicable.
----------------------------------------------------------------------------------------------------------------------------------
NON_ADV_LOAN_AMT         The Non Recoverable Loan Amount, if             2      No commas(,) or dollar signs ($)             11
                         applicable.
----------------------------------------------------------------------------------------------------------------------------------
LOAN_LOSS_AMT            The amount the Servicer is passing as a         2      No commas(,) or dollar signs ($)             11
                         loss, if applicable.
----------------------------------------------------------------------------------------------------------------------------------
SCHED_BEG_PRIN_BAL       The scheduled outstanding principal amount      2      No commas(,) or dollar signs ($)             11
                         due at the beginning of the cycle date to
                         be passed through to investors.
----------------------------------------------------------------------------------------------------------------------------------
SCHED_END_PRIN_BAL       The scheduled principal balance due to          2      No commas(,) or dollar signs ($)             11
                         investors at the end of a processing
                         cycle.
----------------------------------------------------------------------------------------------------------------------------------
SCHED_PRIN_AMT           The scheduled principal amount as reported      2      No commas(,) or dollar signs ($)             11
                         by the Servicer for the current cycle --
                         only applicable for Scheduled/Scheduled
                         Loans.
----------------------------------------------------------------------------------------------------------------------------------
SCHED_NET_INT            The scheduled gross interest amount less        2      No commas(,) or dollar signs ($)             11
                         the service fee amount for the current
                         cycle as reported by the Servicer -- only
                         applicable for Scheduled/Scheduled Loans.
----------------------------------------------------------------------------------------------------------------------------------
ACTL_PRIN_AMT            The actual principal amount collected by        2      No commas(,) or dollar signs ($)             11
                         the Servicer for the current reporting
                         cycle -- only applicable for Actual/Actual
                         Loans.
----------------------------------------------------------------------------------------------------------------------------------
ACTL_NET_INT             The actual gross interest amount less the       2      No commas(,) or dollar signs ($)             11
                         service fee amount for the current
                         reporting cycle as reported by the
                         Servicer -- only applicable for
                         Actual/Actual Loans.
----------------------------------------------------------------------------------------------------------------------------------
PREPAY_PENALTY_ AMT      The penalty amount received when a              2      No commas(,) or dollar signs ($)             11
                         borrower prepays on his loan as reported
                         by the Servicer.
----------------------------------------------------------------------------------------------------------------------------------
PREPAY_PENALTY_ WAIVED   The prepayment penalty amount for the loan      2      No commas(,) or dollar signs ($)             11
                         waived by the servicer.
----------------------------------------------------------------------------------------------------------------------------------
MOD_DATE                 The Effective Payment Date of the                      MM/DD/YYYY                                   10
                         Modification for the loan.
----------------------------------------------------------------------------------------------------------------------------------
MOD_TYPE                 The Modification Type.                                 Varchar - value can be alpha or numeric      30
----------------------------------------------------------------------------------------------------------------------------------
DELINQ_P&I_ADVANCE_AMT   The current outstanding principal and           2      No commas(,) or dollar signs ($)             11
                         interest advances made by Servicer.
----------------------------------------------------------------------------------------------------------------------------------

EXHIBIT H-3: REALIZED LOSS CALCULATION INFORMATION--WELLS FARGO
BANK, N.A., FORM 332

Calculation of Realized Loss

Purpose

To provide the Servicer with a form for the calculation of any Realized Loss (or
gain) as a result of a Mortgage Loan having been foreclosed and Liquidated.

Distribution

The Servicer will prepare the form in duplicate and send the original together
with evidence of conveyance of title and appropriate supporting documentation to
the Master Servicer with the Monthly Accounting Reports which supports the
Mortgage Loan's removal from the Mortgage Loan Activity Report. The Servicer
will retain the duplicate for its own records.

Due Date

With respect to any liquidated Mortgage Loan, the form will be submitted to the
Master Servicer no later than the date on which statements are due to the Master
Servicer under Section 4.02 of this Agreement (the "Statement Date") in the
month following receipt of final liquidation proceeds and supporting
documentation relating to such liquidated Mortgage Loan; provided, that if such
Statement Date is not at least 30 days after receipt of final liquidation
proceeds and supporting documentation relating to such liquidated Mortgage Loan,
then the form will be submitted on the first Statement Date occurring after the
30th day following receipt of final liquidation proceeds and supporting
documentation.

Preparation Instructions

The numbers on the form correspond with the numbers listed below.

1.     The actual Unpaid Principal Balance of the Mortgage Loan.

2.     The Total Interest Due less the aggregate amount of servicing fee that
       would have been earned if all delinquent payments had been made as
       agreed.

3-7.   Complete as necessary. All line entries must be supported by copies of
       appropriate statements, vouchers, receipts, canceled checks, etc., to
       document the expense. Entries not properly documented will not be
       reimbursed to the Servicer.

8.     Accrued Servicing Fees based upon the Scheduled Principal Balance of the
       Mortgage Loan as calculated on a monthly basis.

10.    The total of lines 1 through 9.

Credits

11-17. Complete as necessary. All line entries must be supported by copies of
       the appropriate claims forms, statements, payment checks, etc. to
       document the credit. If the Mortgage

       Loan is subject to a Bankruptcy Deficiency, the difference between the
       Unpaid Principal Balance of the Note prior to the Bankruptcy Deficiency
       and the Unpaid Principal Balance as reduced by the Bankruptcy Deficiency
       should be input on line 16.

18.    The total of lines 11 through 17.

Total Realized Loss (or Amount of Any Gain)

19.    The total derived from subtracting line 18 from 10. If the amount
       represents a realized gain, show the amount in parenthesis (___).

                             WELLS FARGO BANK, N.A.
                          CALCULATION OF REALIZED LOSS

     WELLS FARGO BANK, N.A. Trust:___________________________

     Prepared by:__________________ Date:_______________

     Phone:______________________

     Servicer Loan No.   Servicer Name   Servicer Address

WELLS FARGO BANK, N.A.
Loan No._____________________________
Borrower's Name:________________________________________________________
Property
Address:________________________________________________________________

LIQUIDATION AND ACQUISITION EXPENSES:
Actual Unpaid Principal Balance of Mortgage Loan             $_______________(1)
Interest accrued at Net Rate                                 ________________(2)
Attorney's Fees                                              ________________(3)
Taxes                                                        ________________(4)
Property Maintenance                                         ________________(5)
MI/Hazard Insurance Premiums                                 ________________(6)
Hazard Loss Expenses                                         ________________(7)
Accrued Servicing Fees                                       ________________(8)
Other (itemize)                                              ________________(9)
                                                             $__________________

TOTAL EXPENSES                                               $______________(10)
CREDITS:
Escrow Balance                                               $______________(11)
HIP Refund                                                   _______________(12)
Rental Receipts                                              _______________(13)
Hazard Loss Proceeds                                         _______________(14)
Primary Mortgage Insurance Proceeds                          _______________(15)
Proceeds from Sale of Acquired Property                      _______________(16)
Other (itemize)                                              _______________(17)

                                                             __________________
                                                             __________________
TOTAL CREDITS                                                $______________(18)

            TOTAL REALIZED LOSS (OR AMOUNT OF GAIN) $________________

                                   APPENDIX I

                              Underlying Agreements

                           [See Exhibits 10.2(A)-(D)]

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