Document:

EXECUTION VERSION

            REGULATION AB COMPLIANCE ADDENDUM TO THE MASTER SELLER'S
                       WARRANTIES AND SERVICING AGREEMENT

      This Regulation AB Compliance Addendum (this "Reg AB Addendum"), dated as
of January 1, 2005, by and between Bank of America, National Association (the
"Purchaser") and National City Mortgage Co. (the "Company"), to that certain
Master Seller's Warranties and Servicing Agreement, dated as of September 1,
2003, by and between the Company and the Purchaser (as amended, modified or
supplemented, the "Agreement").

                                   WITNESSETH

      WHEREAS, the Company and the Purchaser have agreed to adopt an addendum to
the Agreement to reflect the intention of the parties to comply with Regulation
AB.

      NOW, THEREFORE, in consideration of the mutual promises and mutual
obligations set forth herein, the Company and the Purchaser hereby agree as
follows:

                                    ARTICLE I
                                  DEFINED TERMS

      Capitalized terms used but not defined herein shall have the meanings
assigned to such terms in the Agreement. The following terms shall have the
meanings set forth below, unless the context clearly indicates otherwise:

      Agreement: The Master Seller's Warranties and Servicing Agreement, dated
as of September 1, 2003, by and between the Purchaser and the Company, including
all amendments and supplements thereto.

      Commission: The United States Securities and Exchange Commission.

      Company Information: As defined in Section 2.07(a).

      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 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; (ii) such Mortgage
Loans were in fact underwritten as described in clause (i) above and were
acquired by the Company within 180 days after origination; (iii) 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 (iv)
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 Persons from which it purchased mortgage loans properly applied the
underwriting criteria designated by the Company. For the avoidance of doubt, a
"Qualified Correspondent" includes a "table broker" or mortgage lender that
originates loans underwritten and funded by the Company or an Affiliate of the
Company.

      Reconstitution: Any Securitization Transaction or Whole Loan Transfer.

      Reconstitution Agreement: The agreement or agreements entered into by the
Company and the Purchaser and/or certain third parties on the closing date or
dates of a Reconstitution with respect to any or all of the Mortgage Loans
serviced under the Agreement, in connection with a Whole Loan Transfer or
Securitization Transaction.

      Regulation AB: Subpart 229.1100 - Asset Backed Securities (Regulation AB),
17 C.F.R. ss.ss.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 or privately
placed, rated or unrated mortgage-backed securities or (2) an issuance of
publicly offered or privately placed, 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 2.03(c).

      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(a)(l)-(3) and 1105(c) 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 material functions

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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 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 and shall not include a
mortgage broker that does not fund loans.

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

                                   ARTICLE II
                          COMPLIANCE WITH REGULATION AB

      Section 2.01. Intent of the Parties; Reasonableness.

      The Purchaser and the Company acknowledge and agree that the purpose of
Article II of this Reg AB Addendum 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 Reg AB Addendum
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. References in this Reg AB Addendum to compliance with
Regulation AB include provision of comparable disclosure in private offerings to
the extent not contrary to industry standard practice.

      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
provisions of the Securities Act, the Exchange Act and the rules and regulations
of the Commission thereunder that are applicable to any Securitization
Transaction (or the provision in a private offering of disclosure comparable to
that required under the Securities Act). 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,
consensus among participants in the asset-backed securities markets, advice of
counsel, or otherwise, and agrees to negotiate in good faith with the Purchaser,
any Master Servicer or any Depositor, upon a request made in good faith,
regarding the Company's

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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 and any Master
Servicer to deliver to the Purchaser (including any of its assignees or
designees), any Master Servicer and any Depositor, any and all statements,
reports, certifications, records and any other information necessary in the good
faith determination of the Purchaser, any Master Servicer or any Depositor to
permit the Purchaser, such Master Servicer 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 Mortgage Loans, or
the servicing of the Mortgage Loans, reasonably believed by the Purchaser or any
Depositor to be necessary in order to effect such compliance.

      Section 2.02. Additional Representations and Warranties of the Company.

      (a)   The Company hereby represents to the Purchaser, to any Master
Servicer and to any Depositor, as of the date on which information is first
provided to the Purchaser, any Master Servicer or any Depositor under Section
2.03 that, except as disclosed in writing to the Purchaser and unless otherwise
disclosed in such information provided under Section 2.03, such Master Servicer
or such Depositor prior to such date and unless otherwise disclosed in such
information provided under Section 2.03: (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 scheduled
closing date of 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 by Government
authorities) against the Company, [OR TO THE KNOWLEDGE OF 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.

      (b)   If so requested by the Purchaser, any Master Servicer or any
Depositor on any date following the date on which information is first provided
to the Purchaser, any Master Servicer or any Depositor under Section 2.03, the
Company shall, within five (5) Business Days to the extent practicable, but in
no event later than ten (10) Business Days, following such request, confirm in
writing the accuracy of the representations and warranties set forth in
paragraph (a) 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.

                                        4

      Section 2.03. Information to Be Provided by the Company.

      In connection with any Securitization Transaction, the Company shall (i)
within five (5) Business Days to the extent practicable, but in no event later
than ten (10) Business Days, following request by the Purchaser or any
Depositor, provide to the Purchaser and such Depositor (or, as applicable, cause
each Third-Party Originator and each Subservicer to provide), in writing, or in
a mutually agreed upon electronic format, and in form and substance reasonably
satisfactory to the Purchaser and such Depositor, the information and materials
specified in paragraphs (a), (b), (c), (f) and (g) of this Section, and (ii) as
promptly as practicable following notice to or discovery by the Company, provide
to the Purchaser and any Depositor (in writing, or in a mutually agreed upon
electronic format, and in form and substance reasonably satisfactory to the
Purchaser and such Depositor) the information specified in paragraph (d) of this
Section.

      (a)   If so requested in reasonable good faith judgment by the Purchaser
or any Depositor, the Company shall provide (or cause each Third-Party
Originator or Subservicer, as applicable, to provide) such information regarding
(i) the Company, as originator of the Mortgage Loans (including as an acquirer
of Mortgage Loans from a Qualified Correspondent), or (ii) each Third-Party
Originator, and (iii) as applicable, each Subservicer, as is requested for the
purpose of compliance with Items 1103(a)(l), 1105, 1110, 1117 and 1119 of
Regulation AB. Such information shall include, at a minimum:

            (A)     the originator's form of organization;

            (B)     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; information regarding the size and composition of the
      originator's origination portfolio; and information that may be material,
      in the reasonable good faith judgment of the Purchaser or any Depositor,
      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 description of any material legal or governmental
      proceedings pending (or known to be contemplated by governmental
      authorities) against the Company, [OR TO THE KNOWLEDGE OF THE COMPANY,]
      each Third-Party Originator and each Subservicer; and

            (D)     a description of any affiliation or relationship between the
      Company, each Third-Party Originator, 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;

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                    (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.

      (b)   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 (i) the Company, if the Company is an originator of Mortgage Loans
(including as an acquirer of Mortgage Loans from a Qualified Correspondent),
and/or (ii) each Third-Party Originator. Such Static Pool Information shall be
prepared by the Company (or 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) 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 as mutually agreed upon by the Purchaser or the Depositor
and the Company, as applicable.

      Promptly following notice or discovery of a material error in Static Pool
Information provided pursuant to the immediately preceding paragraph (including
an omission to include therein information required to be provided pursuant to
such paragraph), the Company shall provide corrected Static Pool Information to
the Purchaser or any Depositor, as applicable, in the same format in which
Static Pool Information was previously provided to such party by 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 Purchaser or Depositor, as applicable (to the extent of any
additional incremental expense associated with delivery pursuant to this Reg AB
Addendum), such statements and agreed-upon procedures letters of certified
public accountants reasonably acceptable to the Purchaser or Depositor, as
applicable, 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 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

                                        6

as the Purchaser or such Depositor shall designate, which may include, by way of
example, any Sponsor, any Depositor and any broker dealer acting as underwriter,
placement agent or initial purchaser with respect to a Securitization
Transaction and shall also be addressed to and for the benefit of the Company
and such Third-Party Originator. 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.

      (c)   If so requested by the Purchaser or any Depositor, the Company shall
provide such information regarding the Company, as servicer of the Mortgage
Loans, and cause each Subservicer to so provide such information (each of the
Company and each Subservicer, for purposes of this paragraph, a "Servicer"), as
is 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 the 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 good faith judgment 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 scheduled closing date of 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 scheduled closing date of 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;

                                        7

            (C)     a description of any material changes during the three-year
      period immediately preceding the scheduled closing date of the related
      Securitization Transaction to the Servicer's policies or procedures with
      respect to the servicing function it will perform under the 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 the effect on one or more
      aspects of servicing resulting from such financial condition could have a
      material impact on pool performance, performance of the asset-backed
      securities or performance by the Company of its servicing obligations
      under the Agreement or any Reconstitution Agreement;

            (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 scheduled closing date of 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;

            (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;

      (d)   For the purpose of satisfying the reporting obligation under the
Exchange Act with respect to any class of asset-backed securities, the Company
shall upon discovery (or shall cause each Subservicer and Third-Party Originator
to so notify upon discovery) (i) provide prompt notice to the Purchaser, any
Master Servicer and any Depositor in writing of (A) any material litigation or
governmental proceedings pending against the Company, any Subservicer or any
Third-Party Originator, as applicable, (B) any affiliations or relationships
that develop following the closing date of a Securitization Transaction between
the Company, any Subservicer or any Third-Party Originator and any of the
parties specified in clause (D) of paragraph (a) of this Section (and any other
parties identified in writing by the requesting party) with respect to such
Securitization Transaction, (C) any Event of Default under the terms of the
Agreement or any Reconstitution Agreement, (D) any merger, consolidation or sale
of substantially all of the assets of the Company, and (E) the Company's entry
into an agreement with a Subservicer to perform or assist in the performance of
any of the Company's obligations

                                        8

under the Agreement or any Reconstitution Agreement, and (ii) provide to the
Purchaser and any Depositor a description of such proceedings, affiliations or
relationships under clause (B) of this paragraph.

      (e)   As a condition to the succession to the Company or any Subservicer
as servicer or subservicer under the Agreement or any Reconstitution Agreement
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 five Business 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 and in form and
substance reasonably satisfactory to the Purchaser and such Depositor, 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
the related Securitization Transaction.

      (f)   In addition to such information as the Company, as servicer, is
obligated to provide pursuant to other provisions of the 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 or any Subservicer, the Company or such
Subservicer, as applicable, shall, to the extent the Company or such Subservicer
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):

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

            (ii)    material breaches of pool asset representations or
      warranties or transaction covenants (Item 1121(a)(12) of Regulation AB);
      and

            (iii)   any pool asset changes (such as, additions, substitutions or
      repurchases) (Item(a)(14) of Regulation AB).

      (g)   The Company shall provide to the Purchaser, any Master Servicer and
any Depositor, evidence of the authorization of the person signing any
certification or statement, copies or other evidence of Fidelity Bond Insurance
and Errors and Omissions Insurance Policy, financial information and reports
related to the Company or any Subservicer or the Company or such Subservicer's
performance hereunder.

      Section 2.04. 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, such 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 activities as

                                        9

servicer during the immediately preceding calendar year (or applicable portion
thereof) and of its performance under the 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 obligations under the 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 obligation in any material respect, specifically identifying
each such failure known to such officer and the nature and the status thereof.

      Section 2.05. Report on Assessment of Compliance and Attestation.

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

            (i)     deliver to the Purchaser, any Master Servicer and any
      Depositor a report (in form and substance reasonably satisfactory to the
      Purchaser, such Master Servicer and such Depositor) 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, such 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 B
      hereto;

            (ii)    deliver to the Purchaser, any Master Servicer and any
      Depositor a report of a registered public accounting firm reasonably
      acceptable to the Purchaser, such Master Servicer and such Depositor 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;

            (iii)   cause each Subservicer, and each Subcontractor determined by
      the Company pursuant to Section 2.06(b) to be "participating in the
      servicing function" within the meaning of Item 1122 of Regulation AB and
      deliver to the Purchaser, any Master Servicer and any Depositor an
      assessment of compliance and accountants' attestation as and when provided
      in paragraphs (a) and (b) of this Section; and

            (iv)    deliver, and cause each Subservicer or Subcontractor
      described in clause (iii) to provide, to the Purchaser, any Master
      Servicer, any Depositor and any other Person that will be responsible for
      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
      A; provided that such certification delivered by the Company may not be
      filed as an exhibit to, or included in, any offering document or
      registration statement.

                                       10

The Company acknowledges that the parties identified in clause (a)(iv) 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.

      (b)   Each assessment of compliance provided by a Subservicer pursuant to
Section 2.05(a)(iii) shall address each of the Servicing Criteria specified on a
certification substantially in the form of Exhibit B hereto delivered to the
Purchaser concurrently with the execution of this Reg AB Addendum 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 Subcontractor
pursuant to Section 2.05(a)(iii) need not address any elements of the Servicing
Criteria other than those specified by the Company pursuant to Section 2.06.

      Section 2.06. 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
the Agreement or any Reconstitution Agreement unless the Company complies with
the provisions of paragraph (a) of this Section. 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 the Agreement or
any Reconstitution Agreement unless the Company complies with the provisions of
paragraph (b) of this Section.

      (a)   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. 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 2.02, 2.03( c), (e), (f)
and (g), 2.04, 2.05 and 2.07 of this Reg AB Addendum to the same extent as if
such Subservicer were the Company, and to provide the information required with
respect to such Subservicer under Section 2.03(d) of this Reg AB Addendum. 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 2.04, any assessment of
compliance and attestation required to be delivered by such Subservicer under
Section 2.05 and any certification required to be delivered to the Person that
will be responsible for signing the Sarbanes Certification under Section 2.05 as
and when required to be delivered.

      (b)   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
Subcontractor. The Company shall promptly upon request provide to the Purchaser,
any Master Servicer and any Depositor (or any designee of the Depositor, such as
an administrator) a written description (in form and substance satisfactory to
the Purchaser, such Master Servicer and such Depositor) of the role and function
of each Subcontractor utilized by the Company or any Subservicer, specifying (i)
the identity of each such Subcontractor, (ii) which (if any) of such
Subcontractors are "participating in the servicing function" within the meaning
of Item 1122 of Regulation AB, and (iii) which elements of the Servicing
Criteria will be addressed in assessments of compliance provided by each
Subcontractor identified pursuant to clause (ii) of this paragraph.

                                       11

      As a condition to the utilization of any Subcontractor determined to be
"participating in the servicing function" within the meaning of Item 1122 of
Regulation AB, the Company shall cause any such Subcontractor used by the
Company (or by any Subservicer) for the benefit of the Purchaser and any
Depositor to comply with the provisions of Sections 2.05 and 2.07 of this Reg AB
Addendum to the same extent as if such Subcontractor were the Company. The
Company shall be responsible for obtaining from each Subcontractor and
delivering to the Purchaser and any Depositor any assessment of compliance and
attestation and the other certifications required to be delivered by such
Subservicer and Subcontractor under Section 2.05, in each case as and when
required to be delivered.

      Section 2.07. Indemnification; Remedies.

      (a)   The Company shall indemnify the Purchaser, each affiliate of the
Purchaser participating in a Securitization Transaction, and each of the
following parties participating in a Securitization Transaction: each sponsor
and issuing entity; each Person (including, but not limited to, any Master
Servicer if applicable) responsible for the preparation, 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 or the
Depositor (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,
employees, agents and affiliates of each of the foregoing and of the Depositor,
and shall hold each of them (each, an "Indemnified Party") 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:

            (i)     (A) any untrue statement of a material fact contained or
      alleged to be contained in any information, report, certification, data,
      accountants' letter or other material provided under this Article II by or
      on behalf of the Company, or provided under this Article II by or on
      behalf of any Subservicer, Subcontractor or Third-Party Originator
      (collectively, the "Company Information"), or (B) the omission 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
      (B) 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;

            (ii)    any breach by the Company of its obligations under this
      Article II, including particularly any failure by the Company, any
      Subservicer, any Subcontractor or any Third-Party Originator to deliver
      any information, report, certification, accountants' letter or other
      material when and as required under this Article II, including any failure
      by the Company to identify pursuant to Section 2.06(b) any Subcontractor
      "participating in the servicing function" within the meaning of Item 1122
      of Regulation AB;

                                       12

            (iii)   any breach by the Company of a representation or warranty
      set forth in Section 2.02(a) or in a writing furnished pursuant to Section
      2.02(b) 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 2.02(b) to the extent
      made as of a date subsequent to such closing date; or

            (iv)    the gross negligence, bad faith or willful misconduct of the
      Company in connection with its performance under this Article II.

      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 (a)(ii) of
this Section, the Company shall promptly reimburse the Purchaser, any Depositor,
as applicable, and each Person responsible for the preparation, 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
Subcontractor or any Third-Party Originator.

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

      (b)   (i)     Any material failure by the Company, any Subservicer, any
      Subcontractor or any Third-Party Originator to deliver any information,
      report, certification, accountants' letter or other material when and as
      required under this Article II, or any material breach by the Company of a
      representation or warranty set forth in Section 2.02(a) or in a writing
      furnished pursuant to Section 2.02(b) 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 2.02(b) to the extent made as of a date subsequent to such closing
      date, shall, except as provided in clause (ii) of this paragraph,
      immediately and automatically, without notice or grace period, constitute
      an Event of Default with respect to the Company under the Agreements and
      any applicable Reconstitution Agreement related thereto, 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 the
      Agreements and/or any applicable Reconstitution Agreement related thereto
      without payment (notwithstanding anything in the Agreements 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 that to the extent

                                       13

      that any provision of the Agreements and/or any applicable Reconstitution
      Agreement related thereto expressly provides for the survival of certain
      rights or obligations following termination of the Company as servicer,
      such provision shall be given effect.

            (ii)    Any failure by the Company, any Subservicer or any
      Subcontractor to deliver any information, report, certification or
      accountants' letter when and as required under Section 2.04 or 2.05,
      including any failure by the Company to identify pursuant to Section
      2.06(b) any Subcontractor "participating in the servicing function" within
      the meaning of Item 1122 of Regulation AB, which continues unremedied for
      ten calendar days after the date on which such information, report,
      certification or accountants' letter was required to be delivered shall
      constitute an Event of Default with respect to the Company under the
      Agreements and any applicable Reconstitution Agreement related thereto,
      and shall entitle the Purchaser, any Master Servicer or any Depositor, as
      applicable, in its sole discretion to terminate the rights and obligations
      of the Company as servicer under the Agreements and/or any applicable
      Reconstitution Agreement related thereto without payment (other than for
      payment of unpaid fees and expenses accrued to the Company thereunder at
      the time of such termination net of any amounts payable from the Company
      to the Purchaser or any Depositor thereunder at such time and other than
      unreimbursed servicing advances, which shall be paid in accordance with
      the terms of the Agreements) of any compensation to the Company; provided
      that to the extent that any provision of the Agreements and/or any
      applicable Reconstitution Agreement related thereto expressly provides for
      the survival of certain rights or obligations following termination of the
      Company as servicer, such provision shall be given effect. Notwithstanding
      the foregoing, in the event that the Company (or any applicable
      Subservicer or Subcontractor) delivers any missing information, report,
      certification or accountants' letter, following the expiration of the ten
      calendar day cure period provided in the preceding sentence, and the
      Master Servicer or Depositor, as the case may be, despite such late
      delivery, timely files the related annual report on Form 10-K under the
      Exchange Act without having to file a Form 12b-25 related to a
      notification of an inability to make a timely filing and the Company
      indemnifies and promptly reimburses the Master Servicer and Depositor
      pursuant to this Section for all costs and expenses incurred as a result
      of such delay, any notice given by the Master Servicer declaring an Event
      of Default shall be automatically revoked and the delay in providing the
      missing information, report, certification or accountants' letter shall
      cease to constitute an Event of Default.

      (c)   The Company shall promptly reimburse the Purchaser (or any 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 Purchaser or any Depositor may have under other provisions of the
Agreements and/or any applicable Reconstitution Agreement related thereto or
otherwise, whether in equity or at law, such as an action for damages, specific
performance or injunctive relief.

                                       14

      (d)   Promptly after receipt by an Indemnified Party under this Section
2.07 of notice of the commencement of any action, such Indemnified Party shall,
if a claim in respect thereof is to be made against the Company (or if a claim
for contribution is to be made against another party) under this Section 2.07
hereof, notify the Company (or other contributing party) in writing of the
commencement thereof; but the omission so to notify the Company (or other
contributing party) shall not relieve it from any liability it may have to any
Indemnified Party (or to the party requesting contribution) otherwise than under
this Section 2.07 hereof. In case any such action is brought against any
Indemnified Party and it notifies the Company of the commencement thereof, the
Company shall be entitled to participate therein and, to the extent that, by
written notice delivered to each Indemnified Party promptly after receiving the
aforesaid notice from an Indemnified Party, the Company elects to assume the
defense thereof, it may control the defense thereof with counsel satisfactory to
each Indemnified Party; provided, however, that if the defendants in any such
action include both an Indemnified Party and the Company and the Indemnified
Party or parties shall reasonably have concluded that there may be legal
defenses available to it or them and/or other indemnified parties that are
different from or additional to those available to the Company, the Indemnified
Party or parties shall have the right to select separate counsel to assert such
legal defenses and to otherwise participate in the defense of such action on
behalf of such Indemnified Party or parties. Upon receipt of notice from the
Company to such Indemnified Party of its election so to assume the defense of
such action and approval by the Indemnified Party of such counsel, the Company
shall not be liable to such Indemnified Party under this paragraph for any legal
or other expenses subsequently incurred by such Indemnified Party in connection
with the defense thereof, unless (i) such Indemnified Party shall have employed
separate counsel (plus any local counsel) in connection with the assertion of
legal defenses in accordance with the proviso to the immediately preceding
sentence, (ii) the Company shall not have employed counsel satisfactory to such
Indemnified Party to represent such Indemnified Party within a reasonable time
after notice of commencement of the action or (iii) the Company shall have
authorized the employment of counsel for such Indemnified Party at the expense
of the Company. No party shall be liable for contribution with respect to any
action or claim settled without its consent, which shall not be unreasonably
withheld. In no event shall the Company be liable for the fees and expenses of
more than one counsel (in addition to any local counsel) separate from its own
counsel for all Indemnified Parties in connection with any one action or
separate but similar or related actions in the same jurisdiction arising out of
the same general allegations or circumstances.

      (e)   Except for remedies under the Agreement and remedies that cannot be
waived as a matter of law and injunctive relief, the rights under this Section
2.07 shall be the exclusive remedy for breaches of this Section 2.07 (including
any covenant, obligation, representation or warranty contained herein or
therein).

      (f)   Notwithstanding anything in this Reg AB Addendum to the contrary, in
no event shall the Company be obligated under this Section 2.07 to indemnify an
Indemnified Party otherwise entitled to indemnity hereunder in respect of any
indemnifiable claims or losses that result from the willful misconduct, bad
faith or negligent acts or omissions of the Indemnified Party.

                                       15

      Section 2.08. Third-Party Beneficiary.

      For purposes of this Article II and any related provisions thereto, each
Master Servicer shall be considered a third-party beneficiary of this Agreement,
entitled to all the rights and benefits hereto as if it were a direct party to
this Agreement.

      Section 2.09. Responsible Officers.

      Any reference herein to the Company's knowledge, discovery or awareness,
or notice or identification to the Company or a request to the Company shall be
in each case be deemed to refer solely to the knowledge or awareness of, or
notice or identification to, or request of, a Responsible Officer of the
Company. "Responsible Officer" means any vice president, any managing director,
any director, any associate, any assistant vice president, any assistant
secretary, any assistant treasurer or any other officer or employee of the
Company customarily performing functions similar to those performed by any of
the above designated officers and also to whom, with respect to a particular
matter, such matter is referred because of such officer's or employee's
knowledge of and familiarity with the particular subject and in each case who
shall have direct responsibility for the administration of the Agreement.

                                       16

      IN WITNESS WHEREOF, the Purchaser and the Company 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,
                                         as Purchaser

                                         By:    /s/ Bruce W. Good
                                            ------------------------------------

                                         Name:    Bruce W. Good
                                              ----------------------------------

                                         Title:   Vice President
                                               ---------------------------------

                                         NATIONAL CITY MORTGAGE CO.,
                                         as Company

                                         By:    /s/ Kelly C. Johnson
                                            ------------------------------------

                                         Name:    Kelly C. Johnson
                                              ----------------------------------

                                         Title:   Senior Vice President
                                               ---------------------------------

                                    EXHIBIT A

                          FORM OF ANNUAL CERTIFICATION

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

      I, ________________________________, the _____________________ of [NAME OF
COMPANY] (the "Company"), certify to [the Purchaser], [the Depositor], and 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 "participating in the servicing function"
      pursuant to the Agreement, have been provided

                                        2

      to the [Depositor] [Master Servicer]. Any material instances of
      noncompliance 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:

                                        3

                                    EXHIBIT B

         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 criteria identified as below as
"Applicable Servicing Criteria";

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

                                   GENERAL SERVICING CONSIDERATIONS
------------------------------------------------------------------------------------------------------------
                      Policies and procedures are instituted to monitor any                   X
                      performance or other triggers and events of default in
1122(d)(1)(i)         accordance with the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      If any material servicing activities are outsourced to
                      third parties, policies and procedures are instituted to
                      monitor the third party's performance and compliance with               X
1122(d)(1)(ii)        such servicing activities.
------------------------------------------------------------------------------------------------------------
                      Any requirements in the transaction agreements to maintain
1122(d)(1)(iii)       a back-up servicer for the mortgage loans are maintained.
------------------------------------------------------------------------------------------------------------
                      A fidelity bond and errors and omissions policy is in
                      effect on the party participating in the servicing
                      function throughout the reporting period in the amount of               X
                      coverage required by and otherwise in accordance with the
1122(d)(1)(iv)        terms of the transaction agreements.
------------------------------------------------------------------------------------------------------------
                                  CASH COLLECTION AND ADMINISTRATION
------------------------------------------------------------------------------------------------------------
                      Payments on mortgage loans are deposited into the                       X
                      appropriate custodial bank accounts and related bank
                      clearing accounts no more than two business days following
                      receipt, or such other number of days specified in the
1122(d)(2)(i)         transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Disbursements made via wire transfer on behalf of an
                      obligor or to an investor are made only by authorized                   X
1122(d)(2)(ii)        personnel.
------------------------------------------------------------------------------------------------------------
                      Advances of funds or guarantees regarding collections,
                      cash flows or distributions, and any interest or other
                      fees charged for such advances, are made, reviewed and                  X
1122(d)(2)(iii)       approved as specified in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      The related accounts for the transaction, such as cash
                      reserve accounts or accounts established as a form of
                      overcollateralization, are separately maintained (e.g.,                 X
                      with respect to commingling of cash) as set forth in the
1122(d)(2)(iv)        transaction agreements.
------------------------------------------------------------------------------------------------------------

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

                      Each custodial account is maintained at a federally
                      insured depository institution as set forth in the
                      transaction agreements.  For purposes of this criterion,
                      "federally insured depository institution" with respect to              X
                      a foreign financial institution means a foreign financial
                      institution that meets the requirements of Rule 13k-1 (b)(1)
1122(d)(2)(v)         of the Securities Exchange Act.
------------------------------------------------------------------------------------------------------------
                      Unissued checks are safeguarded so as to prevent                        X
1122(d)(2)(vi)        unauthorized access.
------------------------------------------------------------------------------------------------------------
                      Reconciliations are prepared on a monthly basis for all
                      asset-backed securities related bank accounts, including
                      custodial accounts and related bank clearing accounts.
                      These reconciliations are (A) mathematically accurate; (B)
                      prepared within 30 calendar days after the bank statement
                      cutoff date, or such other number of days specified in the
                      transaction agreements; (C) reviewed and approved by                    X
                      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
1122(d)(2)(vii)       agreements.
------------------------------------------------------------------------------------------------------------
                                  INVESTOR REMITTANCES AND REPORTING
------------------------------------------------------------------------------------------------------------
                      Reports to investors, including those to be filed with the
                      Commission, are maintained in accordance with the
                      transaction agreements and applicable Commission
                      requirements. Specifically, such reports (A) are
                      prepared in accordance with timeframes and other terms
                      set forth in the transaction agreements; (B) provide
                      information calculated in accordance with the terms                     X
                      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
1122(d)(3)(i)         trustee's records as to the total unpaid principal balance
                      and number of mortgage loans serviced by the Servicer.
------------------------------------------------------------------------------------------------------------
                      Amounts due to investors are allocated and remitted in                  X
                      accordance with timeframes, distribution priority and
1122(d)(3)(ii)        other terms set forth in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Disbursements made to an investor are posted within two
                      business days to the Servicer's investor records, or such
                      other number of days specified in the transaction                       X
1122(d)(3)(iii)       agreements.
------------------------------------------------------------------------------------------------------------
                      Amounts remitted to investors per the investor reports
                      agree with cancelled checks, or other form of payment, or               X
1122(d)(3)(iv)        custodial bank statements.
------------------------------------------------------------------------------------------------------------

                                        2

------------------------------------------------------------------------------------------------------------
                                                                                          APPLICABLE
                                                                                          SERVICING
                               SERVICING CRITERIA                                          CRITERIA
------------------------------------------------------------------------------------------------------------
      REFERENCE                                CRITERIA
------------------------------------------------------------------------------------------------------------
                                      POOL ASSET ADMINISTRATION
------------------------------------------------------------------------------------------------------------

                      Collateral or security on mortgage loans is maintained as
                      required by the transaction agreements or related mortgage              X
1122(d)(4)(i)         loan documents.
------------------------------------------------------------------------------------------------------------
                      Mortgage loan and related documents are safeguarded as                  X
1122(d)(4)(ii)        required by the transaction agreements
------------------------------------------------------------------------------------------------------------
                      Any additions, removals or substitutions to the asset pool
                      are made, reviewed and approved in accordance with any                  X
1122(d)(4)(iii)       conditions or requirements in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Payments on mortgage loans, including any payoffs, made in
                      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                X
                      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
1122(d)(4)(iv)        documents.
------------------------------------------------------------------------------------------------------------
                      The Servicer's records regarding the mortgage loans agree
                      with the Servicer's records with respect to an obligor's                X
1122(d)(4)(v)         unpaid principal balance.
------------------------------------------------------------------------------------------------------------
                      Changes with respect to the terms or status of an
                      obligor's mortgage loans (e.g., loan modifications or
                      re-agings) are made, reviewed and approved by authorized                X
                      personnel in accordance with the transaction agreements
1122(d)(4)(vi)        and related pool asset documents.
------------------------------------------------------------------------------------------------------------
                      Loss mitigation or recovery actions (e.g., forbearance
                      plans, modifications and deeds in lieu of foreclosure,
                      foreclosures and repossessions, as applicable) are                      X
                      initiated, conducted and concluded in accordance with the
                      timeframes or other requirements established by the
1122(d)(4)(vii)       transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Records documenting collection efforts are maintained
                      during 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                     X
                      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
1122(d)(4)(viii)      unemployment).
------------------------------------------------------------------------------------------------------------

                                        3

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

                      Adjustments to interest rates or rates of return for
                      mortgage loans with variable rates are computed based on                X
1122(d)(4)(ix)        the related mortgage loan documents.
------------------------------------------------------------------------------------------------------------
                      Regarding any funds held in trust for an obligor (such as
                      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              X
                      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
1122(d)(4)(x)         loans, or such other number of days specified
                      in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Payments made on behalf of an obligor (such as tax or
                      insurance payments) are made on or before the related
                      penalty or expiration dates, as indicated on the
                      appropriate bills or notices for such payments, provided                X
                      that such support has been received by the servicer at
                      least 30 calendar days prior to these dates, or such other
1122(d)(4)(xi)        number of days specified in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Any late payment penalties in connection with any payment
                      to be made on behalf of an obligor are paid from the
                      servicer's funds and not charged to the obligor, unless                 X
                      the late payment was due to the obligor's error or
1122(d)(4)(xii)       omission.
------------------------------------------------------------------------------------------------------------
                      Disbursements made on behalf of an obligor are posted
                      within two business days to the obligor's records                       X
                      maintained by the servicer, or such other number of days
1122(d)(4)(xiii)      specified in the transaction agreements.
------------------------------------------------------------------------------------------------------------
                      Delinquencies, charge-offs and uncollectible accounts are
                      recognized and recorded in accordance with the transaction              X
1122(d)(4)(xiv)       agreements.
------------------------------------------------------------------------------------------------------------
                      Any external enhancement or other support, identified in                X
                      Item 1114(a)(1) through (3) or Item 1115 of Regulation AB,      IF OBLIGATED UNDER
1122(d)(4)(xv)        is maintained as set forth in the transaction agreements.     TRANSACTION DOCUMENTS
------------------------------------------------------------------------------------------------------------

                                        4

                                         [NAME OF COMPANY]
                                         [NAME OF SUBSERVICER]

                                         Date: _________________________________

                                         By:   _________________________________
                                               Name:
                                               Title:

                                        5------------------
                                                                EXECUTION COPY
                                                              ------------------

                ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

      This is an Assignment, Assumption and Recognition Agreement (this
"Agreement") made as of May 30, 2006 (the "Closing Date"), among UBS Real Estate
Securities Inc. (the "Assignor"), Bank of America, National Association (the
"Assignee") and National City Mortgage Co. (the "Company").

      In consideration of the mutual promises contained herein, the parties
hereto agree that the Assignor shall assign to the Assignee the mortgage loans
(the "Mortgage Loans") listed on Attachment 1 hereto in accordance with the
terms of this Agreement, which are currently serviced by the Company for the
benefit of the Assignor, pursuant to that certain Second Amended and Restated
Master Seller's Warranties and Servicing Agreement, dated as of October 1, 2001,
as amended and restated to and including May 1, 2004, between the Assignor and
the Company (as amended, modified or supplemented as of the date hereto, the
"Purchase and Servicing Agreement"). Capitalized terms used herein but not
defined shall have the meanings ascribed to them in the Purchase and Servicing
Agreement.

                            Assignment and Assumption

      1.    The Assignor hereby grants, transfers and assigns to the Assignee
all of the right, title and interest of the Assignor in the Mortgage Loans and,
as to the extent of the Mortgage Loans, all of its right, title and interest in,
to and under the Purchase and Servicing Agreement and the Assignment and
Conveyances (collectively, the "Assigned Agreements"), dated as of May 10, 2006
(each, an "Original Closing Date"). The Assignor specifically reserves and does
not assign to the Assignee any right, title and interest in, to or under any
mortgage loans subject to the Purchase and Servicing Agreement other than those
set forth on Attachment 1.

      2.    Simultaneously with the execution of this Agreement, on the Closing
Date, the Assignee shall pay to the Assignor for each Mortgage Loan the purchase
price as calculated pursuant to the trade confirmation, dated as of April 18,
2006 (the "Trade Confirmation"), by and between the Assignee and the Assignor.
The Assignee shall pay the purchase price payable under the Trade Confirmation
by wire transfer of immediately available funds to the account specified by the
Assignor. The Assignee shall be entitled to (i) all scheduled payments of
principal due on the Mortgage Loans after May 1, 2006 (the "Mortgage Loans
Cut-off Date"), (ii) all other recoveries of principal collected after the
Mortgage Loans Cut-off Date (provided, however, that all scheduled payments of
principal due on or before the Mortgage Loans Cut-off Date and collected after
the Mortgage Loans Cut-off Date shall belong to the Company) and (iii) all
payments of interest on the Mortgage Loans minus that portion of any such
interest payment that is allocable to the period prior to the Mortgage Loans
Cut-off Date.

      The Assignor shall deliver the Mortgage Loan Schedule and the electronic
data file related to the Mortgage Loans to the Assignee at least three (3)
Business Days prior to the Closing Date. Upon the sale of the Mortgage Loans,
the ownership of each Mortgage Note, the related Mortgage and the related
Mortgage File and Servicing File shall vest immediately in the

Assignee. Notwithstanding anything to the contrary set forth in the Trade
Confirmation, the Assignor will, with respect to each Mortgage Loan, deliver, or
cause to be delivered, the Mortgage Loan Documents to U.S. Bank National
Association (the "Custodian") no later than five (5) Business Days prior to the
Closing Date.

      The Company shall be responsible for recording the assignments of
Mortgage, if necessary, in accordance with Accepted Servicing Practices and the
Purchase and Servicing Agreement. The Assignee shall be responsible for the
initial and on-going fees and expenses of the Custodian.

                    Representations, Warranties and Covenants

      3.    The Assignor warrants and represents to, and covenants with, the
Assignee as of the date hereof that:

            (a)   The Assignor has full power and authority to execute, deliver
      and perform its obligations under this Agreement, and to consummate the
      transactions set forth herein. The consummation of the transactions
      contemplated by this Agreement is in the ordinary course of the Assignor's
      business and will not conflict with, or result in a breach of, any of the
      terms, conditions or provisions of the Assignor's governing documents or
      any legal restriction, or any material agreement or instrument to which
      the Assignor is now a party or by which it is bound, or result in the
      violation of any law, rule, regulation, order, judgment or decree to which
      the Assignor or its property is subject. The execution, delivery and
      performance by the Assignor of this Agreement and the consummation by it
      of the transactions contemplated hereby, have been duly authorized by all
      necessary action on the part of the Assignor. This Agreement has been duly
      executed and delivered by the Assignor and, upon the due authorization,
      execution and delivery by the Assignee, will constitute the valid and
      legally binding obligation of the Assignor enforceable against the
      Assignor in accordance with its terms except as enforceability may be
      limited by bankruptcy, reorganization, insolvency, moratorium or other
      similar laws now or hereafter in effect relating to creditors' rights
      generally, and by general principles of equity regardless of whether
      enforceability is considered in a proceeding in equity or at law. The
      execution, delivery and performance by the Assignor of this Agreement and
      the consummation of the transactions contemplated hereby do not require
      the consent or approval of, the giving of notice to, the registration
      with, or the taking of any other action in respect of, any state, federal
      or other governmental authority or agency, except such as has been
      obtained, given, effected or taken prior to the date hereof. There are no
      actions, suits or proceedings pending or, to the knowledge of the
      Assignor, threatened, before or by any court, administrative agency,
      arbitrator or governmental body (i) with respect to any of the
      transactions contemplated by this Agreement or (ii) with respect to any
      other matter that in the judgment of the Assignor will be determined
      adversely to the Assignor and, if determined adversely to the Assignor,
      will materially and adversely affect its ability to perform its
      obligations under this Agreement;

            (b)   Attached hereto as Attachment 2 is a true and accurate copy of
      each of the Assigned Agreements, and each of the Assigned Agreements is in
      full force and effect as

                                        2

      of the date hereof and its provisions have not been waived, amended or
      modified in any respect, nor has any notice of termination been given
      thereunder;

            (c)   The Assignor is the lawful owner of the Mortgage Loans with
      full right to transfer the Mortgage Loans and any and all of its
      interests, rights and obligations under the Purchase and Servicing
      Agreement as they relate to the Mortgage Loans, free from any and all
      encumbrances, liens, pledges, participation interests, claims or security
      interests of any nature encumbering the Mortgage Loans. Except for the
      sale to the Assignee, the Assignor has not assigned or pledged any
      Mortgage Note related to any Mortgage Loan or the related Mortgage or any
      interest or participation therein;

            (d)   The Assignor has not satisfied, canceled, or subordinated in
      whole or in part, or rescinded the Mortgage related to any Mortgage Loan,
      and the Assignor has not released the Mortgaged Property from the lien of
      the Mortgage related to any Mortgage Loan, in whole or in part, nor has
      the Assignor executed an instrument that would effect any such release,
      cancellation, subordination, or rescission;

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

            (f)   The Assignor has not waived or agreed to any amendment or
      other modification of, the Purchase and Servicing Agreement. The Assignor
      has no knowledge of, and has not received notice of, any waivers under or
      any amendments or other modifications of, or assignment of rights or
      obligations under, the Purchase and Servicing Agreement; and

            (g)   No trade confirmation, Assignment and Conveyance or other
      document related to the transfer of the Mortgage Loans executed by and
      between the Assignor and the Company and related to one or more Mortgage
      Loans includes any restriction, condition or other provision that
      materially affects the Company's obligations with regard to a
      Securitization Transaction or Agency Transfer, other than those
      restrictions, conditions and provisions set forth in Article VII or
      Article XIII of the Purchase and Servicing Agreement.

      4.    The Assignee warrants and represents to, and covenants with, the
Assignor and the Company as of the date hereof that:

            (a)   The Assignee agrees to be bound as "Purchaser" by all of the
      terms, covenants and conditions of the Purchase and Servicing Agreement
      solely with respect to the Mortgage Loans, and from and after the date
      hereof, the Assignee assumes for the benefit of each of the Assignor and
      the Company all of the Assignor's obligations as "Purchaser" thereunder,
      solely with respect to such Mortgage Loans; and

            (b)   The Assignee has full power and authority to execute, deliver
      and perform its obligations under this Agreement, and to consummate the
      transactions set forth herein. The consummation of the transactions
      contemplated by this Agreement is in the ordinary course of the Assignee's
      business and will not conflict with, or result in a breach of, any

                                        3

      of the terms, conditions or provisions of the Assignee's governing
      documents or any legal restriction, or any material agreement or
      instrument to which the Assignee is now a party or by which it is bound,
      or result in the violation of any law, rule, regulation, order, judgment
      or decree to which the Assignee or its property is subject. The execution,
      delivery and performance by the Assignee of this Agreement and the
      consummation by it of the transactions contemplated hereby, have been duly
      authorized by all necessary action on the part of the Assignee. This
      Agreement has been duly executed and delivered by the Assignee and, upon
      the due authorization, execution and delivery by the Assignor, will
      constitute the valid and legally binding obligation of the Assignee
      enforceable against the Assignee in accordance with its terms except as
      enforceability may be limited by bankruptcy, reorganization, insolvency,
      moratorium or other similar laws now or hereafter in effect relating to
      creditors' rights generally, and by general principles of equity
      regardless of whether enforceability is considered in a proceeding in
      equity or at law. The execution, delivery and performance by the Assignee
      of this Agreement and the consummation of the transactions contemplated
      hereby do not require the consent or approval of, the giving of notice to,
      the registration with, or the taking of any other action in respect of,
      any state, federal or other governmental authority or agency, except such
      as has been obtained, given, effected or taken prior to the date hereof.
      There are no actions, suits or proceedings pending or, to the knowledge of
      the Assignee, threatened, before or by any court, administrative agency,
      arbitrator or governmental body (i) with respect to any of the
      transactions contemplated by this Agreement or (ii) with respect to any
      other matter that in the judgment of the Assignee will be determined
      adversely to the Assignee and, if determined adversely to the Assignee,
      will materially and adversely affect its ability to perform its
      obligations under this Agreement.

      5.    The Company warrants and represents to, and covenants with, the
Assignor and the Assignee as of the date hereof that:

            (a)   The information set forth in the Mortgage Loan Schedule
      attached hereto as Attachment 1 and the information contained on the
      related electronic data file delivered to the Assignee by the Assignor is
      complete, true and correct;

            (b)   Attached hereto as Attachment 2 is a true and accurate copy of
      the each of the Assigned Agreements, and each of the Assigned Agreements
      is in full force and effect as of the date hereof and their provisions
      have not been waived, amended or modified in any respect, nor has any
      notice of termination been given thereunder;

            (c)   Pursuant to Section 7.01(c) of the Purchase and Servicing
      Agreement, the Company hereby restates, as of the date hereof, the
      representations and warranties set forth in Section 3.01 and Section 3.02
      of the Purchase and Servicing Agreement with respect to the Company and
      the Mortgage Loans, as if such representations and warranties were set
      forth herein in full. For purposes of making the representations and
      warranties contemplated in the foregoing sentence, each reference in
      Section 3.01 and Section 3.02 of the Purchase and Servicing Agreement (i)
      to the "Cut-off Date" shall be deemed to be a reference to the Mortgage
      Loans Cut-off Date, (ii) to the "Mortgage Loan Schedule" shall be deemed
      to be a reference to Attachment 1 hereto, (iii) to the "Closing Date"
      shall be deemed to be a reference to the date of this Agreement, and (iv)
      to the

                                        4

      "Custodian" shall be deemed a reference to U.S. Bank National Association.
      The Assignee shall be entitled to all of the rights and benefits provided
      under the Purchase and Servicing Agreement in the event that any such
      representation and warranty is not true and correct as of the Closing Date
      or the related Original Closing Date;

            (d)   The Company has serviced the Mortgage Loans in accordance with
      the terms of the Purchase and Servicing Agreement, provided accurate
      statements pursuant to Section 5.02 thereof and otherwise complied with
      all covenants and obligations thereunder;

            (e)   The Company has taken no action, or 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

            (f)   No trade confirmation, Assignment and Conveyance or other
      document related to the transfer of the Mortgage Loans executed by and
      between the Assignor and the Company and related to one or more Mortgage
      Loans includes any restriction, condition or other provision that affects
      the Company's obligations with regard to a Securitization Transaction or
      Agency Transfer, as set forth in Article VII of the Purchase and Servicing
      Agreement.

            (g)   Neither the origination of any Mortgage Loan, nor the purchase
      thereof by the Assignee, will cause such Mortgage Loan or the Assignee to
      fail to comply with the OCC Guidelines Establishing Standards for
      Residential Mortgage Lending Practices.

                          Repurchase of Mortgage Loans

      6.    The Assignor and the Assignee understand and agree that:

            (a)   Upon the discovery by the Assignor or the Assignee and its
      assigns of a breach of any representation, warranty, or covenant under
      this Agreement, the party discovering such breach shall give prompt
      written notice to the other parties to this Agreement. Upon discovery or
      notice of any breach by the Assignor of any representation, warranty, or
      covenant under this Agreement that materially and adversely affects the
      value of any Mortgage Loan or the interest of the Assignee therein (it
      being understood that any such defect or breach shall be deemed to have
      materially and adversely affected the value of the related Mortgage Loan
      if the Assignee incurs a loss solely as a result of such defect or
      breach), the Assignee promptly shall request that the Assignor cure such
      breach and, if the Assignor does not cure such breach in all material
      respects within sixty (60) days from the date on which it is notified of
      the breach, the Assignor shall, at the Assignee's option, repurchase the
      Mortgage Loan in the same manner set forth in Section 3.03 of the Purchase
      and Servicing Agreement.

            (b)   In the event the Company has breached a representation or
      warranty under the Purchase and Servicing Agreement that is substantially
      identical to a representation or warranty by the Assignor hereunder, the
      Assignee shall first proceed against the Company. If the Company does not
      within sixty (60) days after notification of the breach, take steps to
      cure such breach (which may include certifying to progress made

                                        5

      and requesting an extension of the time to cure such breach, as permitted
      under the Purchase and Servicing Agreement) or purchase the Mortgage Loan
      in the same manner as set forth in Section 3.03 of the Purchase and
      Servicing Agreement, the Assignee shall be entitled to enforce the
      obligations of the Assignor hereunder to cure such breach or to purchase
      the Mortgage Loan from the Assignee except to the extent such breach arose
      prior to the Original Closing Date. In such event, the Assignor shall
      succeed to the rights of the Assignee to enforce the obligations of the
      Company to cure such breach or repurchase such Mortgage Loan under the
      terms of the Purchase and Servicing Agreement with respect to such
      Mortgage Loan.

            (c)   Except as specifically set forth herein, the Assignee shall
      have no responsibility to enforce any provision of the Assigned
      Agreements, to oversee compliance thereof, or to take notice of any breach
      or default thereof.

                           Recognition of the Assignee

      7.    From and after the date hereof, the Company shall recognize the
Assignee as owner of the Mortgage Loans and will service the Mortgage Loans for,
and provide all information and reports to, the Assignee pursuant to Articles I,
IV, V, VI, VII, and VIII of that certain Master Seller's Warranties and
Servicing Agreement, dated as of September 1, 2003 (as amended, restated,
supplemented or otherwise modified from time to time, the "Servicing
Agreement"), between the Assignee and the Company, as well as that Certain
Regulation AB Compliance Addendum to the Master Seller's Warranties and
Servicing Agreement, dated as of January 1, 2006, between the Assignee and the
Company.

              Modification of the Purchase and Servicing Agreement

      8.    The Assignee and the Company hereby modify the Purchase and
Servicing Agreement with respect to the Mortgage Loans as follows:

            (a)   Article I of the Purchase and Servicing Agreement is
      modified as follows:

                  (i)     The following defined terms are inserted in
            alphabetical order into Article I:

                          "Consumer Information: Information
                  including, but not limited to, all personal
                  information about a Mortgagor that is supplied to
                  the Company by or on behalf of such Mortgagor."

                          "Manufactured Home: A single family
                  residential unit that is constructed in a factory
                  in sections in accordance with the Federal
                  Manufactured Home Construction and Safety
                  Standards adopted on July 15, 1976, by the
                  Department of Housing and Urban Development ("HUD
                  Code"), as amended in 2000, which preempts state
                  and local building codes. Each unit is identified
                  by the presence of a HUD Plate/Compliance
                  Certificate label. The sections are

                                        6

                  then transported to the site and joined together
                  and affixed to a pre-built permanent foundation
                  (which satisfies the manufacturer's requirements
                  and all state, county, and local building codes
                  and regulations). The manufactured home is built
                  on a non-removable, permanent frame chassis that
                  supports the complete unit of walls, floors, and
                  roof. The underneath part of the home may have
                  running gear (wheels, axles, and brakes) that
                  enable it to be transported to the permanent site.
                  The wheels and hitch are removed prior to
                  anchoring the unit to the permanent foundation.
                  The manufactured home must be classified as real
                  estate and taxed accordingly. The permanent
                  foundation may be on land owned by the mortgager
                  or may be on leased land."

            (b)   Section 3.02 of the Purchase and Servicing Agreement is
      modified as follows:

                  (i)     Subsection (i) thereof is modified by (1) deleting in
            its entirety therefrom the language "or leasehold" and (2) by
            deleting in its entirety therefrom the language "manufactured
            dwellings" and by replacing such language with "Manufactured Homes".

                  (ii)    Subsection (jj) is modified by deleting it in its
            entirety and replacing such subsection with the following:

                          "Servicemembers Civil Relief Act. The
                  Mortgagor has not notified the Company, and the
                  Company has no knowledge of any relief requested
                  by or allowed to the Mortgagor under the
                  Servicemembers Civil Relief Act, or any similar
                  state laws;"

                  (iii)   Subsection (pp) is modified by deleting it in its
            entirety and replacing such subsection with the following:

                  "No Mortgage Loan is (a) a "high cost" loan under the Home
                  Ownership and Equity Protection Act of 1994 as amended, (b) a
                  "high cost," "threshold," "covered," "predatory," "abusive,"
                  or similarly defined loan, including refinance loans, under
                  any other applicable state, federal or local law (or a
                  similarly classified loan using different terminology under a
                  law imposing heightened regulatory scrutiny or additional
                  legal liability for residential mortgage loans having high
                  interest rates, points and/or fees), provided that any
                  Mortgage Loan secured by a Mortgaged Property in Illinois
                  characterized as a "threshold" loan shall not be a "high cost"
                  loan unless it is characterized as "predatory" under
                  applicable local law, or (c) a "High Cost Loan" or "Covered
                  Loan" as defined in the S&P LEVELS(R) Glossary Version 5.7 (or
                  the now-current version thereof); the Company has implemented
                  and conducted compliance procedures to determine if

                                        7

                  each Mortgage Loan is "high-cost" home loan under the
                  applicable laws and performed a review of the disclosure
                  provided to the related Mortgagor in accordance with such laws
                  and the related Mortgage Note in order to determine that such
                  Mortgage Loan, if subject to any such law, does not violate
                  any such law;"

                  (iv)    Subsection (uu) is modified by inserting immediately
            prior to the semi-colon at the end thereof the language, "and a
            minimum FICO score of 625".

                  (v)     Subsection (xx) is modified by deleting it in its
            entirety and replacing such subsection with the following:

                          "Leaseholds. No Mortgage Loan is secured
                  by a long-term residential lease;"

                  (vi)    Subsection (ddd) is modified by inserting immediately
            prior to the ";" at the end thereof the following:

                          ". No Mortgage Loan originated after March
                  7, 2003 secured by property located in the State
                  of Georgia is classified as a "high cost home
                  loan" under the Georgia Fair Lending Act".

                  (vii)   Subsection (uuu) is modified by deleting it is its
            entirety and replacing such subsection with the following:

                          "No Arbitration Provisions. With respect
                  to any Mortgage Loan originated on or after August
                  1, 2004, neither the related Mortgage nor Mortgage
                  Note requires the Mortgagor to submit to
                  arbitration to resolve any dispute arising
                  thereunder or in connection with the origination
                  of such Mortgage Loan."

                  (viii)  Section 3.02 is modified by deleting the word "and"
            from the end of Subsection (xxx) thereof, deleting the period from
            the end of Subsection (yyy) thereof and replacing such period with a
            semi-colon and by inserting at the end of such section the following
            new subsections:

                          "(zzz) Texas Refinance Loans. Article XVI,
                  Section 50(a)(6) of the Texas Constitution is not
                  applicable to the Mortgage Loan or the origination
                  thereof. If the Mortgage Loan was originated in
                  Texas, it is not a cash-out refinancing;

                          (aaaa) Pledged Asset Loans. No Mortgage
                  Loan is a "pledged asset" mortgage loan;

                                        8

                          (bbbb) Debt-to-Income Ratio. Each Mortgage
                  Loan has a debt-to-income ratio of less than or
                  equal to 60%; and

                          (cccc) High Principal Balance Loans. With
                  respect to each Mortgage Loan with an original
                  principal balance of $1 million or more, (a) the
                  related Mortgagor has a minimum FICO score of
                  greater than or equal to 700, (b) the LTV is less
                  than or equal to 70%, (c) the related Mortgagor
                  has a debt-to-income ratio of less than or equal
                  to 50%, (d) there is a reserve of no less than six
                  (6) months and (e) the related Mortgage File
                  includes (A) a full appraisal of the Mortgaged
                  Property and (B) full loan origination
                  documentation that includes income and asset
                  verification forms.

            (c)   Section 10.01 of the Purchase and Servicing Agreement is
      modified by inserting as the first sentence of the second paragraph
      thereof the following:

                          "If the Company obtains knowledge of an
                  Event of Default, the Company shall notify the
                  Purchaser."

            (d)   Section 11.02 of the Purchase and Servicing Agreement is
      modified by deleting the second paragraph thereof in its entirety and
      replacing such paragraph with the following:

                          "In the event the Purchaser terminates the
                  Company without cause with respect to some or all
                  of the Mortgage Loans, the Company shall be
                  entitled to receive, as liquidated damages, upon
                  the transfer of the servicing rights, an amount
                  equal to the fair market value of such servicing
                  rights based on the aggregate outstanding
                  principal amount of the Mortgage Loans as of the
                  termination date, plus all reasonable costs and
                  expenses incurred by the Company in managing the
                  transfer of the servicing. The fair market value
                  of the servicing rights shall be determined based
                  on the average of three bids made by experienced
                  evaluators unaffiliated to the Purchaser and the
                  Company and chosen as follows: one by the
                  Purchaser, one by the Company and one by mutual
                  agreement."

            (e)   Section 12.01 of the Purchase and Servicing Agreement is
      modified as follows:

                  (i)     The first paragraph of Section 12.01 is modified by
            deleting each occurrence of the language "3.06" and replacing each
            such occurrence with the language, "3.04".

                                        9

                  (ii)    Section 12.01 is modified by inserting as the fourth
            paragraph thereof the following:

                          "Unless the Company is terminated pursuant
                  to Section 11.02, and except as other wise
                  provided in Section 11.02, the Purchaser shall be
                  entitled to be reimbursed from the Company for all
                  costs associated with the transfer of servicing,
                  including, without limitation, any costs or
                  expenses associated with the complete transfer of
                  all servicing data and the completion, correction
                  or manipulation of such servicing data as may be
                  required by the Purchaser to correct any errors or
                  insufficiencies in the servicing data or otherwise
                  to enable the Purchaser to service the Mortgage
                  Loans properly and effectively."

            (f)   Article XII of the Purchase and Servicing Agreement is
      modified by inserting at the end thereof the following new sections:

            "Section 12.12 Confidential Information.

            The Company shall keep confidential and shall not
            divulge to any party, without the Purchaser's prior
            written consent, the price paid by Purchaser for the
            Mortgage Loans, except to the extent that it is
            reasonable and necessary for the Company to do so in
            working with legal counsel, auditors, taxing authorities
            or other governmental agencies.

            The Purchaser and the Company agree they (i) shall
            comply with all applicable laws and regulations
            regarding the privacy or security of Consumer
            Information, (ii) shall not collect, create, use, store,
            access, disclose or otherwise handle Consumer
            Information in any manner inconsistent with any
            applicable laws or regulations regarding the privacy or
            security of Consumer Information, (iii) shall not
            disclose Consumer Information to any affiliated or
            non-affiliated third party except to enforce or preserve
            its rights, as otherwise permitted or required by
            applicable law (or by regulatory authorities having
            jurisdiction in the premises) or, in the case of the
            Company, at the specific written direction of the
            Purchaser, (iv) shall maintain appropriate
            administrative, technical and physical safeguards to
            protect the security, confidentiality and integrity of
            Consumer Information, including maintaining security
            measures designed to meet the Interagency Guidelines
            Establishing Standards for Safeguarding Consumer
            Information published in final form on February 1, 2001,
            66 Fed. Reg. 8616, and the rules promulgated thereunder
            and (v) shall promptly notify the other party in writing
            upon becoming aware of any actual breach and of any
            suspected breach of this section. The Company shall
            promptly

                                       10

            provide the Purchaser's regulators information regarding
            such security measures upon the reasonable request of
            the Purchaser, which information shall include, but not
            be limited to, any SAS 70 or similar independent audit
            reports, summaries of test results or equivalent
            measures taken by the Company with respect to its
            security measures, as agreed upon by the parties. Each
            party shall indemnify and defend the other party
            against, and shall hold the other party harmless from,
            any cost, expense, loss, claim or other liability that
            such other party may suffer as a result of or in
            connection with its failure to comply with or perform
            the obligations set forth in this section. The
            restrictions set forth herein shall survive the
            termination of this Agreement.

            Section 12.13 Intention of the Parties.

            It is the intention of the parties that the Purchaser is
            purchasing, and the Company is selling, the Mortgage
            Loans and not a debt instrument of the Company or
            another security. Accordingly, the parties hereto each
            intend to treat the transaction for Federal income tax
            purposes as a sale by the Company, and a purchase by the
            Purchaser, of the Mortgage Loans. The Purchaser shall
            have the right to review the Mortgage Loans and the
            related Mortgage Loan Files to determine the
            characteristics of the Mortgage Loans which shall affect
            the Federal income tax consequences of owning the
            Mortgage Loans and the Company shall cooperate with all
            reasonable requests made by the Purchaser in the course
            of such review. In the event, for any reason, any
            transaction contemplated herein is construed by any
            court or regulatory authority as a borrowing rather than
            as a sale, the Company and the Purchaser intend that the
            Purchaser or its assignee, as the case may be, shall
            have a perfected first priority security interest in the
            Mortgage Loans, the Custodial Account and the proceeds
            of any and all of the foregoing (collectively, the
            "Collateral"), free and clear of adverse claims. In such
            case, the Company shall be deemed to have hereby granted
            to the Purchaser or its assignee, as the case may be, a
            first priority security interest in and lien upon the
            Collateral, free and clear of adverse claims. In such
            event, the Trade Confirmation and this Agreement shall
            constitute a security agreement, the Custodian shall be
            deemed to be an independent custodian for purposes of
            perfection of the security interest granted to the
            Purchaser or its assignee, as the case may be, and the
            Purchaser or its assignee, as the case may be, shall
            have all of the rights of a secured party under
            applicable law.

                     Modification of the Servicing Agreement

                                       11

      9.    The Assignee and the Company hereby modify the Servicing Agreement
with respect to the Mortgage Loans, as follows:

      (a)   Article I of the Servicing Agreement is modified by deleting in its
entirety the definition of "Closing Date" and by replacing it with "May 30,
2006".

      (b)   Article I of the Servicing Agreement is modified by deleting in its
entirety the definition of "Cut-off Date" and by replacing it with "May 30,
2006".

      (c)   Section 8.01 of the Servicing Agreement is modified by inserting the
following as the new second paragraph therein:

            "Upon request from the Purchaser, the Company shall
            deliver no later than thirty (30) days after such
            request any Mortgage File or document therein, or copies
            thereof, to the Purchaser at the direction of the
            Purchaser. The Purchaser shall return any originals of
            documents delivered pursuant to this Section no later
            than ten (10) days after receipt thereof. In the event
            that the Company fails to make delivery of the requested
            Mortgage File or document therein, or copies thereof, as
            required under this Section, the Company shall
            repurchase, pursuant to Section 3.03 of this Agreement,
            the related Mortgage Loan within sixty (60) days of
            receipt of a request to do so by the Purchaser."

                                  Miscellaneous

      10.   All demands, notices and communications related to the Mortgage
Loans, the Purchase and Servicing Agreement and this Agreement shall be in
writing and shall be deemed to have been duly given if personally delivered or
mailed by registered mail, postage prepaid, as follows:

            In the case of the Assignee,

            Bank of America, National Association
            NC1-027-21-04
            214 North Tryon Street, 21st Floor
            Charlotte, North Carolina 28255
            Attention: Managing Director
            Telephone: (704) 388-8708
            Facsimile: (704) 386-3215

            In the case of the Assignor,

            UBS Real Estate Securities Inc.
            1285 Avenue of the Americas
            New York, NY 10019
            Attention: Teresa Bowlin
            Telephone: (212) 713-9521

                                       12

            Facsimile: (212) 713-2080

            In the case of the Company,

            National City Mortgage Co.
            3232 Newmark Drive
            Miamisburg, Ohio 45342
            Attention: Cathy Stickelmaier

                   with a copy to:

            National City Mortgage Co.
            3232 Newmark Drive
            Miamisburg, Ohio 45342
            Attention: Sheila Hansford

                   with a copy to:

            National City Mortgage Co.
            3232 Newmark Drive
            Miamisburg, Ohio 45342
            Attention: T. Jackson Case

      11.   Each party will pay any commissions it has incurred and the
reasonable fees of its attorneys in connection with the negotiations for,
documenting of and closing of the transactions contemplated by this Agreement.

      12.   THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE
STATE OF NEW YORK, WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES, AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN
ACCORDANCE WITH SUCH LAWS, EXCEPT TO THE EXTENT PREEMPTED BY FEDERAL LAW.

      13.   No term or provision of this Agreement may be waived or modified
unless such waiver or modification is in writing and signed by the party against
whom such waiver or modification is sought to be enforced.

      14.   This Agreement shall inure to the benefit of the successors and
assigns of the parties hereto. Any entity into which the Assignor, the Assignee
or the Company may be merged or consolidated shall, without the requirement for
any further writing, be deemed the Assignor, the Assignee or the Company,
respectively, hereunder.

      15.   This Agreement shall survive the conveyances of the Mortgage Loans
as contemplated in this Agreement.

                                       13

      16.   This Agreement may be executed simultaneously in any number of
counterparts. Each counterpart shall be deemed to be an original and all such
counterparts shall constitute one and the same instrument.

      17.   In the event that any provision of this Agreement conflicts with any
provision of the Purchase and Servicing Agreement with respect to the Mortgage
Loans, the terms of this Agreement shall control.

                           [signature page to follow]

                                       14

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.

                                        BANK OF AMERICA, NATIONAL
                                        ASSOCIATION
                                        Assignee

                                        By: /s/ Bruce W. Good
                                            ------------------------------------

                                        Name:   Bruce W. Good
                                                --------------------------------

                                        Title:  Vice President
                                                --------------------------------

                                        UBS REAL ESTATE SECURITIES INC.
                                        Assignor

                                        By: /s/ Teresa Bowlin
                                            ------------------------------------

                                        Name:   Teresa Bowlin
                                                --------------------------------

                                        Title:  Associate Director
                                                --------------------------------

                                        NATIONAL CITY MORTGAGE CO.
                                        Company

                                        By: /s/ Mary Beth Criswell
                                            ------------------------------------

                                        Name:   Mary Beth Criswell
                                                --------------------------------

                                        Title:  Vice President
                                                --------------------------------

                         [BANA-UBS (NatCity), May 2006]

                                  ATTACHMENT 1

                             MORTGAGE LOAN SCHEDULE

                             Attachment 1A - Page 1

                                  ATTACHMENT 2

                        PURCHASE AND SERVICING AGREEMENT

                              Attachment 3 - Page 1

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