Document:

Exhibit 10.5(C)

                             AMENDMENT NO. 2 TO THE
              MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT
                             (JUMBO MORTGAGE LOANS)

                         (COUNTRYWIDE HOME LOANS, INC.--
                  BANC OF AMERICA MORTGAGE CAPITAL CORPORATION)

     This Amendment No. 2 (this "Amendment"), dated as of September 1, 2004, by
and among BANK OF AMERICA, N.A., a national banking association (the
"Assignee"), BANC OF AMERICA MORTGAGE CAPITAL CORPORATION, a North Carolina
corporation (the "Assignor"), and COUNTRYWIDE HOME LOANS, INC., a New York
corporation (the "Company"), amends that certain Master Mortgage Loan Purchase
and Servicing Agreement (the "Agreement"), dated as of April 1, 2003, by and
between the Assignor and the Company, as previously amended by Amendment No. 1,
dated as of July 1, 2003, by and among the Assignee, the Assignor and the
Company.

                                   WITNESSETH

     WHEREAS, pursuant to various Assignment, Assumption and Recognition
Agreements executed by the parties hereto from time to time, the Assignor has
previously assigned its interest in the Agreement, as previously amended, as
such relates to certain pools of Mortgage Loans to the Assignee; and

     WHEREAS, the Company, the Assignor and the Assignee have agreed, subject to
the terms and conditions of this Amendment, that the Assignee shall purchase
certain Mortgage Loans directly from the Company pursuant to the terms of the
Agreement henceforth; and

     WHEREAS, the Company, the Assignor and the Assignee agree that the
Agreement shall be amended to substitute the Assignee as the purchaser
thereunder, to release the Assignor from all obligations and duties thereunder,
and to otherwise reflect the change in parties.

     NOW, THEREFORE, in consideration of the mutual premises and mutual
obligations set forth herein and other good and valuable consideration, the
Company, the Assignee and the Assignor hereby agree as follows:

     1. The Agreement is amended to assign, transfer and set over all of
Assignor's right, title and interest to and under the Agreement to the Assignee
and to remove the Assignor as a party thereto and furthermore, that the
Agreement is amended by deleting any occurrence of "Banc of America Mortgage
Capital Corporation" and replacing it with "Bank of America, N.A."

     2. The Assignor hereby assigns, transfers and sets over to the Assignee all
of its right, title and interest in, to and under the Agreement (other than the
rights of the Assignor to indemnification thereunder), and the Assignee hereby
assumes all of the Assignor's obligations and duties under the Agreement from
and after the date hereof, and the Company hereby acknowledges such assignment
and assumption and hereby agrees to the release of the Assignor from any
obligations or duties under the Agreement from and after the date hereof.
Notwithstanding the foregoing, it is understood that the Company is not released
from liability to

the Assignor for any breaches of any representations and warranties by the
Company made in the Agreement prior to the date hereof regardless of when such
breaches are discovered or made known. Notwithstanding anything to the contrary
herein or otherwise, it is understood that the Assignor is not released from
liability to the Company for any breaches of any representations, warranties,
and covenants by the Assignor made in and pursuant to the Agreement prior to the
date hereof regardless of when such breaches are discovered or made known.

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

          a.   Organization and Standing. The Assignee is duly organized,
               validly existing and in good standing under the laws of the
               jurisdiction in which it is organized and is qualified to
               transact business in and is in good standing under the laws of
               each state in which the nature of the business transacted by it
               or the character of the properties owned or leased by it requires
               such qualification;

          b.   Due Authority. The Assignee has the full power and authority to
               perform, and to enter into and consummate, all transactions
               contemplated by this Amendment and the Agreement; the Assignee
               has the full power and authority to purchase and hold each
               Mortgage Loan;

          c.   No Conflict. Neither the acquisition of the Mortgage Loans by the
               Assignee pursuant to this Amendment and the Agreement, the
               consummation of the transactions contemplated hereby, nor the
               fulfillment of or compliance with the terms and conditions of
               this Amendment and the Agreement, will conflict with or result in
               a breach of any of the terms, conditions or provisions of the
               Assignee's charter or by-laws or result in a material breach of
               any legal restriction or any material agreement or instrument to
               which the Assignee is now a party or by which it is bound, or
               constitute a default or result in an acceleration under any of
               the foregoing, or result in the violation of any law, rule,
               regulation, order, judgment or decree to which the Assignee or
               its property is subject;

          d.   No Pending Litigation. There is no action, suit, proceeding,
               investigation or litigation pending or, to the Assignee's
               knowledge, threatened, which either in any one instance or in the
               aggregate, if determined adversely to the Assignee would
               adversely affect the purchase of the Mortgage Loans by the
               Assignee under the Agreement, or the Assignee's ability to
               perform its obligations under this Amendment and the Agreement;

          e.   No Consent Required. No consent, approval, authorization or order
               of any court or governmental agency or body is required for the
               execution, delivery and performance by the Assignee of or
               compliance by the Assignee with this Amendment and the Agreement
               or the consummation of the transactions contemplated by this
               Amendment and the Agreement (including, but not limited to, any
               approval from HUD), or if required, such

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               consent, approval, authorization or order has been obtained prior
               to the date hereof; and

          f.   Ability to Perform. The Assignee does not believe, nor does it
               have any reason or cause to believe, that it cannot perform each
               and every covenant contained in this Amendment and the Agreement.
               The Assignee is solvent and the purchase of the Mortgage Loans
               will not cause the Assignee to become insolvent. The purchase of
               the Mortgage Loans is not undertaken with the intent to hinder,
               delay or defraud any of Assignee's creditors.

     4. Article I of the Agreement is modified by deleting the second occurrence
of the word "following" and replacing it with "preceding" in the definition of
"Remittance Date".

     5. Section 3.01 of the Agreement is modified by deleting the word "and" at
the end of clause (e), deleting the period at the end of clause (f) and
replacing it with "; and" and inserting the following (as new clause (g)
therein):

          "(g) Anti-Money Laundering Laws. Countrywide has complied with all
          applicable anti-money laundering laws and regulations, including
          without limitation the USA Patriot Act of 2001 (collectively, the
          "Anti-Money Laundering Laws"); Countrywide has established an
          anti-money laundering compliance program if and to the extent required
          by applicable Anti-Money Laundering Laws, has conducted due diligence
          in connection with the origination of each Mortgage Loan if and to the
          extent required by applicable Anti-Money Laundering Laws."

     6. Section 3.02 of the Agreement is modified by deleting clauses (aa) and
(jj) in their entirety, deleting the word "and" at the end of clause (uu),
deleting the period at the end of clause (vv) and replacing it with ";" and
inserting the following (as new clause (ww) therein):

          "(ww) Homeownership and Equity Protection Act; No High Cost Loans. No
          Mortgage Loan is (a) a "high cost" loan under the Home Ownership and
          Equity Protection Act of 1994 as amended, or (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 Glossary
          Version 5.6; no Mortgage Loan originated on or after October 1, 2002
          and on or before March 6, 2003 is governed by the Georgia Fair Lending
          Act; the Company has implemented and conducted compliance procedures
          to determine if 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;

                                        3

     7. Section 6.06 of the Agreement is hereby amended by inserting the
following as the new third sentence therein:

          "Upon receipt of a written request from the Purchaser for any Credit
          File or document therein, Countrywide shall make commercially
          reasonable efforts to deliver no later than thirty (30) days after
          receipt of such written request any such Credit File or document, or
          copies thereof, to the Purchaser in accordance with the reasonable
          directions of the Purchaser contained in such request, and the
          Purchaser shall return any original Credit File or document therein
          delivered pursuant to this Section no later than ten (10) days after
          receipt thereof. In the event that Countrywide is unable to deliver
          pursuant to this Section any requested document or a copy thereof that
          is reasonably material to the review of the status of the related
          Mortgage Loan or Mortgaged Property or the creditworthiness of the
          Mortgagor ("Credit Document"), Countrywide shall promptly contact the
          Purchaser to explain the reasons for the delay. The Purchaser will
          make every effort to work with Countrywide when extenuating
          circumstances prevent Countrywide from delivering a Credit Document to
          the Purchaser in a timely manner. If Countrywide fails to deliver in
          accordance with this Section any requested Credit Document for no
          apparent reason (or for a reason not acceptable to the Purchaser in
          its reasonable and good faith discretion), Countrywide shall indemnify
          the Purchaser and hold it harmless against any and all claims, losses,
          damaged, penalties, fines, forfeitures, reasonable and necessary
          attorneys' fees and related costs, judgments, and any other costs,
          fees and expenses that the Purchaser may sustain in any way related to
          the failure of Countrywide to provide the Purchaser with a requested
          Credit Document in accordance with this Section, provided that such
          failure to deliver shall materially and adversely affect the value of
          the related Mortgage Loan or the Purchaser's interest in such Mortgage
          Loan. Notwithstanding the foregoing, the Purchaser shall indemnify
          Countrywide and hold it harmless against any and all claims, losses,
          damages, penalties, fines, forfeitures, reasonable and necessary legal
          fees and related costs, judgments, and any other costs, fees and
          expenses that Countrywide may sustain in any way related to (a)
          actions or inactions of Countrywide which were taken or omitted upon
          the instruction or direction of the Purchaser, or (b) the failure of
          the Purchaser to perform its obligations under this Agreement,
          including subsections (i) and (ii) in Section 6.04. Countrywide shall
          not be required to deliver any Credit Document pursuant to this
          Section 6.06 for any Mortgage Loan for which the Purchaser conducted
          either a pre-closing or a post-closing due diligence review,
          identified such Credit Document as missing or not in the related
          Credit File and thereafter did not refuse to purchase or request
          repurchase of such Mortgage Loan by Countrywide."

     8. Section 8.07 of the Agreement is hereby amended by inserting the
following as the new subsection (g) therein:

          "(g) The Purchaser and Countrywide agree that with respect to some or
          all of the Mortgage Loans, the Purchaser, at its sole option, may
          effect one or more synthetic securitizations (each, a "Synthetic
          Securitization") in which such

                                        4

          Mortgage Loans are included as part of the reference portfolio
          relating to such Synthetic Securitization, retaining Countrywide as
          the servicer thereof or subservicer if a master servicer is employed,
          or as applicable the "seller/servicer." Upon receipt of written notice
          requesting information similar to that which is set forth in Section
          8.07(b)(ii) which shall not be received later than ten (10) days prior
          to any such Synthetic Securitization, Countrywide agrees to provide
          such information to the extent that it does not result in an undue
          burden, and the Purchaser agrees to pay for any out-of-pocket costs or
          expenses incurred by Countrywide in complying with this Section
          8.07(g). In addition, Countrywide shall reasonably cooperate with the
          Purchaser in connection with each Synthetic Securitization."

     Upon execution of this Amendment No. 2, the Agreement as it relates to
Mortgage Loans sold to the Assignor by the Company on or after the date hereof
will be read to contain the above amendments as of the date hereof, and any
future reference to the Agreement will mean the Agreement (except with respect
to paragraph 8 above which shall also apply to Mortgage Loans sold under the
Agreement prior to the date hereof) as so modified as of the date hereof and
thereafter. The parties hereto acknowledge that the Agreement has not been
modified or amended, except as otherwise expressly described or provided for
herein.

     This Amendment shall be construed in accordance with the laws of the State
of New York, and the obligations, rights and remedies of the parties hereunder
shall be determined in accordance with such laws.

     This Amendment may be executed in one or more counterparts and by different
parties hereto on separate counterparts, each of which, when so executed, shall
constitute one and the same agreement.

     Any capitalized terms not otherwise defined herein will have the meanings
assigned to them in the Agreement.

                   [SIGNATURES COMMENCE ON THE FOLLOWING PAGE]

                                        5

                                                                  Execution Copy

     IN WITNESS HEREOF, the parties have caused their names to be signed to this
Amendment No. 2 by their respective duly authorized officers as of the date
first written above.

                                        COUNTRYWIDE HOME LOANS, INC.
                                        a New York corporation

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

                                        BANC OF AMERICA MORTGAGE CAPITAL
                                        CORPORATION
                                        a North Carolina corporation

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

                                        BANK OF AMERICA, N.A.
                                        a national banking association

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

         [Signature Page to Amendment No. 2 to the CWHL MMLPSA (Jumbo)]Exhibit 10.5(D)

                                                               EXECUTION VERSION

                                AMENDMENT REG AB
          TO THE MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT

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

                               W I T N E S S E T H

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

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

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

         Commission: The United States Securities and Exchange Commission.

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

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

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

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

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

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

         Reconstitution: Any Securitization Transaction or Whole Loan Transfer.

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

         Regulation AB: Subpart 229.1100 - Asset Backed Securities (Regulation
AB), 17 C.F.R. 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, rated or
unrated mortgage-backed securities or (2) an issuance of publicly offered, rated
or unrated securities, the payments on which are determined primarily by
reference to one or more portfolios of residential mortgage loans consisting, in
whole or in part, of some or all of the Mortgage Loans.

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

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

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

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

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

                                       2

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

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

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

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

"Section 8.14  Regulation AB Compliance

         (a)   Intent of the Parties; Reasonableness.
               --------------------------------------

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

                                       3

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

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

         (b)   Additional Representations and Warranties of the Company.
               ---------------------------------------------------------

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

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

         (c)   Information to Be Provided by the Company.
               ------------------------------------------

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

                                       4

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

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

                     (A)   the originator's form of organization;

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

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

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

                            (1)     the sponsor;
                            (2)     the depositor;
                            (3)     the issuing entity;
                            (4)     any servicer;
                            (5)     any trustee;
                            (6)     any originator;
                            (7)     any significant obligor;
                            (8)     any enhancement or support provider; and
                            (9)     any other material transaction party.

                                       5

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

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

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

                                       6

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

                     (A)   the Servicer's form of organization;

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

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

                           (2)    the extent of outsourcing the Servicer
                     utilizes;

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

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

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

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

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

                                       7

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

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

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

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

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

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

                                       8

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

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

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

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

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

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

                                       9

         (d)   Servicer Compliance Statement.
               ------------------------------

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

         (e)   Report on Assessment of Compliance and Attestation.
               ---------------------------------------------------

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

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

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

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

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

                                       10

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

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

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

         (f)   Use of Subservicers and Subcontractors.
               ---------------------------------------

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

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

                                       11

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

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

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

         (g)   Indemnification; Remedies.
               --------------------------

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

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

                                       12

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

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

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

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

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

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

                                       13

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

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

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

                                       14

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

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

         (h)   Third-Party Beneficiary.
               ------------------------

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

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

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

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

                            [Signature Page Follows]

                                       15

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

                                   BANK OF AMERICA, NATIONAL ASSOCIATION

                                   Purchaser

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

                                   COUNTRYWIDE HOME LOANS, INC.

                                   Company

                                   By:  /s/ Darren Bigsby
                                        ---------------------------------------
                                   Name:  Darren Bigsby
                                          -------------------------------------
                                   Title: Senior Vice President

                                              Signature page to Amendment Reg AB

                                    EXHIBIT A

         SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

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

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

     REFERENCE                                     CRITERIA
-------------------- --------------------------------------------------------------------- ----------------------
                                       GENERAL SERVICING CONSIDERATIONS
-------------------- --------------------------------------------------------------------- ----------------------
                     Policies and procedures are instituted to monitor any performance               X
                     or other triggers and events of default in accordance with the
1122(d)(1)(i)        transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     If any material servicing activities are outsourced to third                    X
                     parties, policies and procedures are instituted to monitor the third
1122(d)(1)(ii)       party's performance and compliance with such servicing activities.
-------------------- --------------------------------------------------------------------- ----------------------
                     Any requirements in the transaction agreements to maintain a back-up
1122(d)(1)(iii)      servicer for the mortgage loans are maintained.
-------------------- --------------------------------------------------------------------- ----------------------
                     A fidelity bond and errors and omissions policy is in effect on the             X
                     party participating in the servicing function throughout the
                     reporting period in the amount of coverage required by and otherwise
1122(d)(1)(iv)       in accordance with the terms of the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                                      CASH COLLECTION AND ADMINISTRATION
-------------------- --------------------------------------------------------------------- ----------------------
                     Payments on mortgage loans are deposited into the appropriate                   X
                     custodial bank accounts and related bank clearing accounts no more
                     than two business days following receipt, or such other number of
1122(d)(2)(i)        days specified in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Disbursements made via wire transfer on behalf of an obligor or to              X
1122(d)(2)(ii)       an investor are made only by authorized personnel.
-------------------- --------------------------------------------------------------------- ----------------------
                     Advances of funds or guarantees regarding collections, cash flows               X
                     or distributions, and any interest or other fees charged for such
                     advances, are made, reviewed and approved as specified in the
1122(d)(2)(iii)      transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     The related accounts for the transaction, such as cash reserve                  X
                     accounts or accounts established as a form of overcollateralization,
                     are separately maintained (e.g., with respect to commingling of
1122(d)(2)(iv)       cash) as set forth in the transaction 1122(d)(2)(iv) agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Each custodial account is maintained at a federally insured                     X
                     depository institution as set forth in the transaction agreements.
                     For purposes of this criterion, "federally insured depository
                     institution" with respect to a foreign financial institution means a
                     foreign financial institution that meets the requirements of Rule
1122(d)(2)(v)        13k-1(b)(1) of the Securities Exchange Act.
-------------------- --------------------------------------------------------------------- ----------------------
                     Unissued checks are safeguarded so as to prevent unauthorized                   X
1122(d)(2)(vi)       access.
-------------------- --------------------------------------------------------------------- ----------------------

                                           A-1

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

     REFERENCE                                     CRITERIA
-------------------- --------------------------------------------------------------------- ----------------------
                     Reconciliations are prepared on a monthly basis for all                         X
                     asset-backed securities related bank accounts, including custodial
                     accounts and related bank clearing accounts. These reconciliations
                     are (A) mathematically accurate; (B) prepared within 30 calendar days
                     after the bank statement cutoff date, or such other number of days
                     specified in the transaction agreements; (C) reviewed and approved by
                     someone other than the person who prepared the reconciliation; and
                     (D) contain explanations for reconciling items. These reconciling
                     items are resolved within 90 calendar days of their original
                     identification, or such other number of days specified in the
1122(d)(2)(vii)      transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                                      INVESTOR REMITTANCES AND REPORTING
-------------------- --------------------------------------------------------------------- ----------------------
                     Reports to investors, including those to be filed with the                      X
                     Commission, are maintained in accordance with the transaction
                     agreements and applicable Commission requirements. Specifically, such
                     reports (A) are prepared in accordance with timeframes and other
                     terms set forth in the transaction agreements; (B) provide
                     information calculated in accordance with the terms specified in the
                     transaction agreements; (C) are filed with the Commission as required
                     by its rules and regulations; and (D) agree with investors' or the
                     trustee's records as to the total unpaid principal balance and number
1122(d)(3)(i)        of mortgage loans serviced by the Servicer.
-------------------- --------------------------------------------------------------------- ----------------------
                     Amounts due to investors are allocated and remitted in accordance               X
                     with timeframes, distribution priority and other terms set forth in
1122(d)(3)(ii)       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               X
1122(d)(3)(iii)      days specified in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Amounts remitted to investors per the investor reports                          X
                     agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)       custodial bank statements.
-------------------- --------------------------------------------------------------------- ----------------------
                                          POOL ASSET ADMINISTRATION
-------------------- --------------------------------------------------------------------- ----------------------
                     Collateral or security on mortgage loans is maintained as                       X
                     required by the transaction agreements or related
1122(d)(4)(i)        mortgage loan documents.
-------------------- --------------------------------------------------------------------- ----------------------
                     Mortgage loan and related  documents are  safeguarded as required by            X
1122(d)(4)(ii)       the transaction agreements
-------------------- --------------------------------------------------------------------- ----------------------
                     Any additions, removals or substitutions to the asset pool are                  X
                     made, reviewed and approved in accordance with any conditions or
1122(d)(4)(iii)      requirements in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Payments on mortgage loans, including any payoffs, made in                      X
                     accordance with the related mortgage loan documents are posted to the
                     Servicer's obligor records maintained no more than two business days
                     after receipt, or such other number of days specified in the
                     transaction agreements, and allocated to principal, interest or other
                     items (e.g., escrow) in accordance with the related mortgage loan
1122(d)(4)(iv)       documents.
-------------------- --------------------------------------------------------------------- ----------------------
                     The Servicer's records regarding the mortgage loans agree with the              X
                     Servicer's records with respect to an obligor's unpaid principal
1122(d)(4)(v)        balance.
-------------------- --------------------------------------------------------------------- ----------------------

                                           A-2

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

     REFERENCE                                     CRITERIA
-------------------- --------------------------------------------------------------------- ----------------------
                     Changes with respect to the terms or status of an obligor's                     X
                     mortgage loans (e.g., loan modifications or re-agings) are made,
                     reviewed and approved by authorized personnel in accordance with the
1122(d)(4)(vi)       transaction agreements and related pool asset documents.
-------------------- --------------------------------------------------------------------- ----------------------
                     Loss mitigation or recovery actions (e.g., forbearance plans,                   X
                     modifications and deeds in lieu of foreclosure, foreclosures and
                     repossessions, as applicable) are initiated, conducted and concluded
                     in accordance with the timeframes or other requirements established
1122(d)(4)(vii)      by the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Records documenting collection efforts are maintained during the                X
                     period a mortgage loan is delinquent in accordance with the
                     transaction agreements. Such records are maintained on at least a
                     monthly basis, or such other period specified in the transaction
                     agreements, and describe the entity's activities in monitoring
                     delinquent mortgage loans including, for example, phone calls,
                     letters and payment rescheduling plans in cases where delinquency is
1122(d)(4)(viii)     deemed temporary (e.g., illness or unemployment).
-------------------- --------------------------------------------------------------------- ----------------------
                     Adjustments to interest rates or rates of return for mortgage loans             X
                     with variable rates are computed based on the related mortgage loan
1122(d)(4)(ix)       documents.
-------------------- --------------------------------------------------------------------- ----------------------
                     Regarding any funds held in trust for an obligor (such as escrow                X
                     accounts): (A) such funds are analyzed, in accordance with the
                     obligor's mortgage loan documents, on at least an annual basis, or
                     such other period specified in the transaction agreements; (B)
                     interest on such funds is paid, or credited, to obligors in
                     accordance with applicable mortgage loan documents and state laws;
                     and (C) such funds are returned to the obligor within 30 calendar
                     days of full repayment of the related mortgage loans, or such other
1122(d)(4)(x)        number of days specified in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Payments made on behalf of an obligor (such as tax or insurance                 X
                     payments) are made on or before the related penalty or expiration
                     dates, as indicated on the appropriate bills or notices for such
                     payments, provided that such support has been received by the
                     servicer at least 30 calendar days prior to these dates, or such
1122(d)(4)(xi)       other number of days specified in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------
                     Any late payment penalties in connection with any payment to be                 X
                     made on behalf of an obligor are paid from the servicer's funds and
                     not charged to the obligor, unless the late payment was due to the
1122(d)(4)(xii)      obligor's error or omission.
-------------------- --------------------------------------------------------------------- ----------------------
                     Disbursements made on behalf of an obligor are posted within two                X
                     business days to the obligor's records maintained by the servicer, or
1122(d)(4)(xiii)     such other number of days specified in the transaction agreements.
-------------------- --------------------------------------------------------------------- ----------------------

                                           A-3

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

     REFERENCE                                     CRITERIA
-------------------- --------------------------------------------------------------------- ----------------------
                     Delinquencies, charge-offs and uncollectible accounts are                       X
                     recognized and recorded in accordance with the transaction
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                  IF OBLIGATED UNDER
1122(d)(4)(xv)       AB, is maintained as set forth in the transaction agreements.          TRANSACTION DOCUMENTS
-------------------- --------------------------------------------------------------------- ----------------------

                                          [NAME OF COMPANY] [NAME OF
                                          SUBSERVICER]

                                          Date:

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

                                           A-4

                                         EXHIBIT B

                               FORM OF ANNUAL CERTIFICATION

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

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

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

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

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

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

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

                                      A-5

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

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

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

                                    Title:

                                      A-6

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