Common use of Securities Exchange Act Clause in Contracts

Securities Exchange Act. Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 (i) Pool Assets serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1------------------ ---------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations (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 ------------------ ---------------- -------------------------------------------------------------------------------- Page 42 + AGENCY AGREEMENT ALLENS XXXXXX XXXXXXXX -------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING CRITERIA SERVICING CRITERIA ---------------------------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA ---------------------------------------------------------------------------------------------------------------------------- (i) Pool Assets assets serviced by the Servicerservicer. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------ ---------------- Amounts due to investors are allocated and remitted in accordance with timeframes, 1122(d)(3)(ii) distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)------------------ ----------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent X 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1Reconciliations are prepared on a monthly basis N/A for all asset-backed securities related bank accounts, including custodial accounts and 1122(d)(2)(vii) related bank clearing ---------------------------------------------------------------------------------------------------------------------- D-1 Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Investor Remittances and Reporting ------------------------------ -------------------------------------------------- ------------------------------------ Reports to investors, including those to be N/A filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool 1122(d)(3) (i) Pool Assets serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and N/A remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted N/A within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor N/A reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is X maintained as required by the transaction 1122(d)(4)(i) agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are X safeguarded as required by the transaction 1122(d)(4)(ii) agreements ------------------------------ -------------------------------------------------- ------------------------------------ Any additions, removals or substitutions to the X asset pool are made, reviewed and approved in accordance with any conditions or requirements 1122(d)(4)(iii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Payments on pool assets, including any payoffs, X made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related 1122(d)(4)(iv) pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ The Servicer's records regarding the pool assets X agree with the Servicer's records with respect 1122(d)(4)

Securities Exchange Act. Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 (i) Pool Assets serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------- Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) ---------------------------------------------------------------------------------------------------------------------- Collateral or security on pool assets is maintained as required by the transaction 1122(d)(4)(i) agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) ---------------------------------------------------------------------------------------------------------------------- Pool assets and related documents are safeguarded as required by the transaction 1122(d)(4)(ii) agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)---------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements 1122(d)(4)(iii) in the transaction agreements. ---------------------------------------------------------------------------------------------------------------------- Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related 1122(d)(4)(iv) pool asset documents. ---------------------------------------------------------------------------------------------------------------------- Appendix C-2

Securities Exchange Act. Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1------------------------------------------------------------------------------------------------------------ Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) agreements. ------------------------------------------------------------------------------------------------------------ D-1 Applicable Servicing Criteria Servicing Criteria ------------------------------------------------------------------------------------------------------------ Reference Criteria ------------------------------------------------------------------------------------------------------------ Investor Remittances and Reporting (i) Pool Assets balance and number of pool assets serviced by the Servicerservicer. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------ Amounts due to investors are allocated and remitted in |X| accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------ Disbursements made to an investor are posted within two |X| business days to the Servicerservicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified daysspecified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------ Amounts remitted to investors per the investor reports agree |X| with cancelled checks, or other 1122(d)(3)(iv) form of payment, or 1122(d)(3)(iv) custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) ------------------------------------------------------------------------------------------------------------ Collateral or security on pool assets is maintained as required by the transaction agreements or related asset 1122(d)(4)(i) pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) ------------------------------------------------------------------------------------------------------------ Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4------------------------------------------------------------------------------------------------------------ Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. ------------------------------------------------------------------------------------------------------------ Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related pool asset documents. ------------------------------------------------------------------------------------------------------------ The servicer's records regarding the pool assets agree with the servicer's records with respect to an obligor's unpaid 1122(d)(4)(v) principal balance. ------------------------------------------------------------------------------------------------------------ Changes with respect to the terms or status of an obligor's pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. ------------------------------------------------------------------------------------------------------------ Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the 1122(d)(4)(vii) transaction agreements. ------------------------------------------------------------------------------------------------------------ Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). ------------------------------------------------------------------------------------------------------------ Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the 1122(d)(4)(ix) related pool asset documents. ------------------------------------------------------------------------------------------------------------

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X X 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 ---------------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all X X asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) Pool Assets 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 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 X X accordance with timeframes, distribution priority and other 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X X business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree X X with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ---------------------------------------------------------------------------------------------------------------------------- Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) ---------------------------------------------------------------------------------------------------------------------------- Collateral or security on pool assets mortgage loans is maintained as X X X required by the transaction agreements or related pool asset mortgage 1122(d)(4)(i) loan documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets ---------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as X X 1122(d)(4)(ii) required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4---------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool X X are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or 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 1122(d)(4)(iv) accordance with the related mortgage loan documents. ---------------------------------------------------------------------------------------------------------------------------- The Servicer's records regarding the mortgage loans agree X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. ---------------------------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's X X mortgage loans (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. ---------------------------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, X 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 1122(d)(4)(vii) requirements established by the transaction agreements. ---------------------------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during X the period a mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness 1122(d)(4)(viii) or unemployment). ---------------------------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for mortgage X loans with variable rates are computed based on the related 1122(d)(4)(ix) mortgage loan documents. ---------------------------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. ---------------------------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. ---------------------------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to X be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. ---------------------------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within X two business days to the obligor's records maintained by the Servicer, or such other number of days specified in the 1122(d)(4)(xiii) transaction agreements. ---------------------------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are X X recognized and recorded in accordance with the transaction 1122(d)(4)(xiv) agreements. ---------------------------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item X(2) 1114(a)(1) through (3) or Item 1115 of Regulation AB, is 1122(d)(4)(xv) maintained as set forth in the transaction agreements. ---------------------------------------------------------------------------------------------------------------------------- [_______________________] Date: __________________________ By:_____________________________ Name: Title: (1) This Servicing Criterion applies to the Trustee if the Trustee was required during the preceding calendar year to make an Advance in accordance with Section 8.14 of the Pooling and Servicing Agreement. (2) This Servicing Criterion applies to the Master Servicer only for transactions that contain any external credit enhancement or other support identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB. EXHIBIT S Additional Form 10-D Disclosure ------------------------------------------------------------------------------------------------------------------------------ Item on Form 10-D Party Responsible ------------------------------------------------------------------------------------------------------------------------------ Item 1: Distribution and Pool Performance Information Master Servicer Any information required by 1121 which is NOT included on the Distribution Date Statement ------------------------------------------------------------------------------------------------------------------------------ Item 2: Legal Proceedings per Item 1117 of Reg AB (i) All parties to the Pooling and Servicing Agreement, the Custodian, each Servicer and, if applicable the Special Servicer (as to themselves), (ii) the Master Servicer as to the issuing entity, (iii) the Depositor as to the sponsor, any 1110(b) originator, any 1100(d)(1) party ------------------------------------------------------------------------------------------------------------------------------ Item 3: Sale of Securities and Use of Proceeds Depositor ------------------------------------------------------------------------------------------------------------------------------ Item 4: Defaults Upon Senior Securities Master Servicer ------------------------------------------------------------------------------------------------------------------------------ Item 5: Submission of Matters to a Vote of Security Holders Master Servicer, Trustee ------------------------------------------------------------------------------------------------------------------------------ Item 6: Significant Obligors of Pool Assets Depositor, if applicable ------------------------------------------------------------------------------------------------------------------------------ Item 7: Significant Enhancement Provider Information Depositor, if applicable ------------------------------------------------------------------------------------------------------------------------------ Item 8: Other Information Any party responsible for disclosure items on Form 8-K ------------------------------------------------------------------------------------------------------------------------------ Item 9: Exhibits Depositor, Master Servicer ------------------------------------------------------------------------------------------------------------------------------ EXHIBIT T Additional Form 10-K Disclosure

Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 X ------------------------------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed X securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) Pool Assets 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 1122(d)(2)(vii) number of days specified in the transaction agreements. ------------------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, X 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 1122(d)(3)(i) principal balance and number of mortgage loans serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with X timeframes, distribution priority and other terms set forth in the 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two X business days to the Servicer's investor records, or such 1122(d)(3)(iii) other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports X agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or 1122(d)(3)(iv) custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- M-2 Reg AB Servicing Criteria con't Applicable Inapplicable Reference Servicing Servicing Criteria Criteria ------------------------------------------------------------------------------------------------------------------------------- Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- 1122(d)(4)(i) Collateral or security on pool assets mortgage loans is maintained as X required by the transaction agreements or related pool asset mortgage loan documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets ------------------------------------------------------------------------------------------------------------------------------- Mortgage loan and related documents are safeguarded as required by the X 1122(d)(4)(ii) transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, X reviewed and approved in accordance with any conditions or requirements 1122(d)(4)(iii) 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 1122(d)(4)

Securities Exchange Act. Unissued checks are safeguarded so as to prevent unauthorized X 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 ------------------ -------------------------------------------------------------------- ------------------- ------------------- 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 (iA) Pool Assets 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 1122(d)(3)(i) and number of mortgage loans serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------ -------------------------------------------------------------------- ------------------- ------------------- 1122(d)(3)(ii) Amounts due to investors are allocated and remitted in X accordance with timeframes, ------------------ -------------------------------------------------------------------- ------------------- ------------------- distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------ -------------------------------------------------------------------- ------------------- ------------------- Disbursements made to an investor are posted within two X business days to the X Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the 1122(d)(3)(iii) transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------ -------------------------------------------------------------------- ------------------- ------------------- Amounts remitted to investors per the investor reports agree X with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(iv) bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------ -------------------------------------------------------------------- ------------------- ------------------- Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) ------------------ -------------------------------------------------------------------- ------------------- ------------------- Collateral or security on pool assets mortgage loans is maintained as X required by the transaction agreements or related pool asset mortgage 1122(d)(4)(i) loan documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets ------------------ -------------------------------------------------------------------- ------------------- ------------------- Mortgage loan and related documents are safeguarded as X 1122(d)(4)(ii) required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4------------------ -------------------------------------------------------------------- ------------------- ------------------- Any additions, removals or substitutions to the asset pool X are made, reviewed and approved in accordance with any 1122(d)(4)(iii) conditions or requirements in the transaction agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Payments on mortgage loans, including any payoffs, made in X accordance with X 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 X with the Servicer's records with respect to an obligor's 1122(d)(4)(v) unpaid principal balance. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Changes with respect to the terms or status of an obligor's mortgage loans X (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and 1122(d)(4)(vi) 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 1122(d)(4)(vii) requirements established by the transaction agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Records documenting collection efforts are maintained X during the period a X mortgage loan is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or 1122(d)(4)(viii) unemployment). ------------------ -------------------------------------------------------------------- ------------------- ------------------- Adjustments to interest rates or rates of return for X mortgage loans with variable rates are computed based on the 1122(d)(4)(ix) related mortgage loan documents. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Regarding any funds held in trust for an obligor (such as X escrow accounts): (A) such funds are analyzed, in accordance with the obligor's mortgage loan documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable mortgage loan documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related mortgage loans, or such other number 1122(d)(4)(x) of days specified in the transaction agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Payments made on behalf of an obligor (such as tax or X insurance payments) X are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction 1122(d)(4)(xi) agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Any late payment penalties in connection with any payment X to be made on X behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or 1122(d)(4)(xii) omission. ------------------ -------------------------------------------------------------------- ------------------- ------------------- Disbursements made on behalf of an obligor are posted within two business X days to the obligor's records maintained by the servicer, or such other 1122(d)(4)(xiii) number of days specified in the transaction agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- 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 AB, is maintained as set forth in the transaction 1122(d)(4)(xv) agreements. ------------------ -------------------------------------------------------------------- ------------------- ------------------- EXHIBIT I SARBANES CERTIFICATION Re: The [ ] agreement dated as of [ ], 200[ ] (the "Agreement"), among [IDENTIFY PARTIES] I, ________________________________, the _______________________ of [Name of Servicer] (the "Servicer"), certify to [the Purchaser], [the Depositor], and the [Master Servicer] [Securities Administrator] [Trustee], and their officers, with the knowledge and intent that they will rely upon this certification, that: (1) I have reviewed the servicer compliance statement of the Servicer provided in accordance with Item 1123 of Regulation AB (the "Compliance Statement"), the report on assessment of the Servicer's compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB (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 Servicer during 200[ ] that were delivered by the Servicer to the [Depositor] [Master Servicer] [Securities Administrator] [Trustee] pursuant to the Agreement (collectively, the "Servicer Servicing Information"); (2) Based on my knowledge, the Servicer 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 Servicer Servicing Information; (3) Based on my knowledge, all of the Servicer Servicing Information required to be provided by the Servicer 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 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 Servicer has fulfilled its obligations under the Agreement in all material respects; and (5) The Compliance Statement required to be delivered by the Servicer pursuant to the Agreement, and the Servicing Assessment and Attestation Report required to be provided by the Servicer and by any Subservicer and Subcontractor pursuant to the Agreement have been provided to the [Depositor] [Master Servicer]. Any material instances of noncompliance described in such reports have been disclosed to the [Depositor] [Master Servicer]. Any material instance of noncompliance with the Servicing Criteria has been disclosed in such reports. Date: By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT J FREDDIE MAC REPRESENTATIONS AND WARRANTIES

Securities Exchange Act. Appendix C-1 ------------------------------ -------------------------------------------------- ------------------------------------ Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) prevent unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) 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 Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction 1122(d)(4)(i) agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction 1122(d)(4)(ii) agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements 1122(d)(4)(iii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and 1122(d)(4)(iv) allocated to principal, ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-2

Securities Exchange Act. Unissued checks are X safeguarded so as to prevent 1122(d)(2)(viunauthorized 1122(d)(2)(viaccess. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(2)(viReconciliations are X X X prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) unauthorized accessmathematically 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. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Investor Remittances and Reporting ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(3)(i)Reports to investors, X X X including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (iA) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Amounts due to investors X X X are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction 1122(d)(3)(iitransaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Disbursements made to an X X X investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements1122(d)(3)(iiagreements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Amounts remitted to X X X investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial 1122(d)(3)(ivcustodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(i)Collateral or security on X pool assets is maintained as required by the transaction agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(iiPool assets and related X documents are safeguarded as required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(iiAny additions, removals or X substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)(4)(ivPayments on pool assets, X including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- The Servicer's records X regarding the pool assets agree with the Servicer's records with respect to an obligor's unpaid principal 1122(d)(4)(v)balance. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Changes with respect to X the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset 1122(d)(4)(vidocuments. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- Loss mitigation or X recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction 1122(d)(4)(viagreements. ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- 1122(d)

Securities Exchange Act. Appendix C-1 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) prevent unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) 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 Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction 1122(d)(4)(i) agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction 1122(d)(4)(ii) agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements 1122(d)(4)(iii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, 1122(d)(4)(iv) and allocated to principal, ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-2 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ interest or other items (e.g., escrow) in accordance with the related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ The Servicer's records regarding the pool assets agree with the Servicer's records with 1122(d)(4)(v) respect to an obligor's unpaid principal balance. ------------------------------ -------------------------------------------------- ------------------------------------ Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and 1122(d)(4)(vi) related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by 1122(d)(4)(vii) the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed 1122(d)(4)(viii) temporary (e.g., illness or unemployment). ------------------------------ -------------------------------------------------- ------------------------------------ Adjustments to interest rates or rates of return for pool assets with variable rates are computed 1122(d)(4)(ix) based on the related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset 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 pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the 1122(d)(4)(x) transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the 1122(d)(4)(xi) transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment 1122(d)(4)(xii) was due to the obligor's error or omission. ------------------------------ -------------------------------------------------- ------------------------------------ Disbursements made on behalf of an obligor are posted within two business days to the 1122(d)(4)(xiii) obligor's ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-3 ------------------------------ -------------------------------------------------- ------------------------------------ Reg AB Reference Servicing Criteria Applicable Servicing Criteria ------------------------------ -------------------------------------------------- ------------------------------------ records maintained by the servicer, or such other number of days specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in 1122(d)(4)(xiv) accordance with the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as 1122(d)(4)(xv) set forth in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ [JPMORGAN CHASE BANK, NATIONAL ASSOCIATION] [USAA FEDERAL SAVINGS BANK] By:________________________________ Name: Title: Date: ___________________________ APPENDIX D Form of Performance Certification CERTIFICATION Re: USAA Auto Owner Trust 2006-2 ---------------------------- The undersigned [Indenture Trustee] [Reporting Subcontractor] hereby certifies to the [ ] and its officers, directors and Affiliates (collectively, the "Certification Parties") as follows, with the knowledge and intent that the Certification Parties will rely on this Certification in connection with the certification concerning the Trust to be signed by an officer of the Servicer and submitted to the Securities and Exchange Commission pursuant to the Sarbanes-Oxley Act of 2002: 1. The [Indenture Trustee] [Repoxxxxx Xxxxxxxxactor] has reviewed the information and reports provided by it to the Depositor and the Servicer pursuant to the Sale and Servicing Agreement with respect to the servicing criteria assessment under Section 10.5 of the Sale and Servicing Agreement (the "Information"); 2. Based on the [Indenture Trustee] [Reporting Subcontractor]'s knowledge, the Information, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact required in the Information and 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 covered by the 10-K report; and 3. The servicing criteria assessment required to be provided by the [Indenture Trustee] [Reporting Subcontrator] pursuant to the Agreement, has been provided to the Depositor and the Servicer. Any material instance of noncompliance with the applicable Servicing Criteria has been disclosed in such report.

Securities Exchange Act. Unissued checks are safeguarded so as to prevent Servicer, 1122(d)(2)(vi) unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 Trustee -------------------------------------------------------------------------------------------------------- Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) Pool Assets mathematically accurate; (B) prepared within 30 calendar days after the bank statement Servicer, cutoff date, or such other number of days specified in the Trustee transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction 1122(d)(2)(vii) agreements. -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA -------------------------------------------------------------------------------------------------------- INVESTOR REMITTANCES AND REPORTING -------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in Trustee the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of pool assets serviced 1122(d)(3)(i) by the Servicerservicer. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other Trustee 1122(d)(3)(ii) terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicerservicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction Trustee 1122(d)(3)(iii) agreements. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or Trustee 1122(d)(3)(iv) custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) -------------------------------------------------------------------------------------------------------- POOL ASSET ADMINISTRATION -------------------------------------------------------------------------------------------------------- Collateral or security on pool assets is maintained as required by the transaction agreements or related asset 1122(d)(4)(i) pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) -------------------------------------------------------------------------------------------------------- Pool assets and related documents are safeguarded as 1122(d)(4)(ii) required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4-------------------------------------------------------------------------------------------------------- Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any Servicer 1122(d)(4)(iii) conditions or requirements in the transaction agreements. -------------------------------------------------------------------------------------------------------- Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the servicer's obligor records maintained no more than two business days after receipt, or such other number of Servicer days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in 1122(d)(4)(iv) accordance with the related pool asset documents. -------------------------------------------------------------------------------------------------------- The servicer's records regarding the pool assets agree with the servicer's records with respect to an obligor's unpaid Servicer 1122(d)(4)(v) principal balance. -------------------------------------------------------------------------------------------------------- Changes with respect to the terms or status of an obligor's pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in Servicer accordance with the transaction agreements and related pool 1122(d)(4)(vi) asset documents. -------------------------------------------------------------------------------------------------------- Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are Servicer initiated, conducted and concluded in accordance with the timeframes or other requirements established by the 1122(d)(4)(vii) transaction agreements. -------------------------------------------------------------------------------------------------------- Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and Servicer describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency 1122(d)(4)(viii) is deemed temporary (e.g., illness or unemployment). -------------------------------------------------------------------------------------------------------- Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the Servicer 1122(d)(4)(ix) related pool asset documents. -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------------------------- APPLICABLE SERVICING SERVICING CRITERIA CRITERIA -------------------------------------------------------------------------------------------------------- REFERENCE CRITERIA -------------------------------------------------------------------------------------------------------- Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is Servicer paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool asset, or such other number of days specified in the transaction 1122(d)(4)(x) agreements. -------------------------------------------------------------------------------------------------------- Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided Servicer that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other 1122(d)(4)(xi) number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------- Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer's funds and not charged to the obligor, unless the Servicer 1122(d)(4)(xii) late payment was due to the obligor's error or omission. -------------------------------------------------------------------------------------------------------- Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days Servicer 1122(d)(4)(xiii) specified in the transaction agreements. -------------------------------------------------------------------------------------------------------- Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction Servicer, 1122(d)(4)(xiv) agreements. Trustee -------------------------------------------------------------------------------------------------------- Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, Trustee 1122(d)(4)(xv) is maintained as set forth in the transaction agreements. -------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- [FREMONT INVESTMENT & LOAN, as Servicer/ WELLS FARGO BANK, N.A., xx Trustee] -------------------------------------------------------------------------------- Date:_________________ By:________________________ Name: Title: -------------------------------------------------------------------------------- EXHIBIT K-1 FORM OF SWAP AGREEMENT (Available Upon Request) EXHIBIT K-2 SCHEDULE OF SWAP NOTIONAL BALANCE EXHIBIT L FORM OF REPORT PURSUANT TO SECTION 13.01 DATA TO BE PROVIDED TO CLASS CE CERTIFICATE HOLDER:

Securities Exchange Act. Unissued checks are safeguarded so as to prevent 1122(d)(2)(vi) prevent unauthorized access. ------------------------------ -------------------------------------------------- ------------------------------------ Appendix C-1 -------------------------------------------------------------------------------------------------------------------- 1122(d)(2)(vii) Reconciliations are prepared on a monthly basis for -------------------------------------------------------------------------------------------------------------------- SC-1 -------------------------------------------------------------------------------------------------------------------- Reg AB Reference Servicing Criteria Applicable Servicing Criteria -------------------------------------------------------------------------------------------------------------------- all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (iA) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. -------------------------------------------------------------------------------------------------------------------- Investor Remittances and Reporting -------------------------------------------------------------------------------------------------------------------- Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by 1122(d)(3)(i) the Servicer. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------------------- Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth 1122(d)(3)(ii) in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------------------- Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days 1122(d)(3)(iii) specified in the transaction agreements. ------------------------------ -------------------------------------------------- ------------------------------------ -------------------------------------------------------------------------------------------------------------------- Amounts remitted to investors per the investor reports agree with cancelled checks, or other 1122(d)(3)(iv) form of payment, or custodial bank statements. ------------------------------ -------------------------------------------------- ------------------------------------ Pool Asset Administration ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements ------------------------------ -------------------------------------------------- ------------------------------------ 1122(d)(4)--------------------------------------------------------------------------------------------------------------------