BANK OF AMERICA, NATIONAL ASSOCIATION



                                      OWNER



                                       AND



                             WELLS FARGO BANK, N.A.



                                    SERVICER













                               SERVICING AGREEMENT



                            DATED AS OF JULY 1, 2006









                   MORTGAGE LOANS SUBJECT TO A RECONSTITUTION







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                                TABLE OF CONTENTS





{S}         {C}              {C}                                                                                {C}

ARTICLE I DEFINITIONS.............................................................................................1



ARTICLE II POSSESSION OF MORTGAGE FILES; BOOKS AND RECORDS; CUSTODIAL AGREEMENT; DELIVERY OF DOCUMENTS...........11

            Section 2.01     Possession of Mortgage Files; Maintenance of Servicing Files........................11

            Section 2.02     Books and Records; Transfers of Mortgage Loans......................................11

            Section 2.03     Custodial Agreement; Delivery of Documents..........................................12



ARTICLE III REPRESENTATIONS AND WARRANTIES REMEDIES AND BREACH...................................................13

            Section 3.01     Servicer Representations and Warranties.............................................13

            Section 3.02     Remedies............................................................................15



ARTICLE IV ADMINISTRATION AND SERVICING OF MORTGAGE LOANS........................................................16

            Section 4.01     Servicer to Act as Servicer.........................................................16

            Section 4.02     Liquidation of Mortgage Loans.......................................................17

            Section 4.03     Collection of Mortgage Loan Payments................................................19

            Section 4.04     Establishment of and Deposits to Custodial Account..................................19

            Section 4.05     Permitted Withdrawals From Custodial Account........................................20

            Section 4.06     Establishment of and Deposits to Escrow Account.....................................21

            Section 4.07     Permitted Withdrawals From Escrow Account...........................................22

            Section 4.08     Payment of Taxes, Insurance and Other Charges.......................................23

            Section 4.09     Protection of Accounts..............................................................23

            Section 4.10     Maintenance of Hazard Insurance.....................................................23

            Section 4.11     Maintenance of Mortgage Impairment Insurance........................................25

            Section 4.12     Maintenance of Fidelity Bond and Errors and Omissions Insurance.....................25

            Section 4.13     Inspections.........................................................................26

            Section 4.14     Restoration of Mortgaged Property...................................................26

            Section 4.15     Maintenance of PMI Policy or LPMI Policy; Claims....................................26

            Section 4.16     Title, Management and Disposition of REO Property...................................27

            Section 4.17     Real Estate Owned Reports...........................................................29

            Section 4.18     Liquidation Reports.................................................................29

            Section 4.19     Reports of Foreclosures and Abandonments of Mortgaged Property......................29

            Section 4.20     Application of Buydown Funds........................................................29

            Section 4.21     Notification of Adjustments.........................................................30

            Section 4.22     Confidentiality/Protection of Customer Information..................................30

            Section 4.23     Fair Credit Reporting Act...........................................................31

            Section 4.24     Use of Subservicers and Subcontractors..............................................31

            Section 4.25     Automated Servicing Systems.........................................................32

            Section 4.26     Disaster Recovery/Business Continuity Plan..........................................32

            Section 4.27     Quality Control Procedures..........................................................32



ARTICLE V PAYMENTS TO OWNER......................................................................................32

            Section 5.01     Remittances.........................................................................32

            Section 5.02     Statements to Owner.................................................................33

            Section 5.03     Monthly Advances by Servicer........................................................33

            Section 5.04     Repurchase..........................................................................34

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{S}         {C}               {C}                                                                               {C}

ARTICLE VI GENERAL SERVICING PROCEDURES..........................................................................35

            Section 6.01     Transfers of Mortgaged Property.....................................................35

            Section 6.02     Satisfaction of Mortgages and Release of Mortgage Files.............................35

            Section 6.03     Servicing Compensation..............................................................36

            Section 6.04     Annual Statements as to Compliance..................................................36

            Section 6.05     [Reserved.].........................................................................37

            Section 6.06     Report on Assessment of Compliance and Attestation..................................37

            Section 6.07     Right to Examine Servicer Records...................................................38

            Section 6.08     Compliance with REMIC Provisions....................................................38



ARTICLE VII SERVICER TO COOPERATE................................................................................38

            Section 7.01     Provision of Information............................................................38



ARTICLE VIII THE SERVICER........................................................................................39

            Section 8.01     Indemnification; Third Party Claims.................................................39

            Section 8.02     Merger or Consolidation of the Servicer.............................................40

            Section 8.03     Limitation on Liability of Servicer and Others......................................40

            Section 8.04     Limitation on Resignation and Assignment by Servicer................................40



ARTICLE IX SECURITIZATION TRANSACTIONS...........................................................................41

            Section 9.01     Removal of Mortgage Loans from Inclusion Under this Agreement Upon a

                     Securitization Transaction..................................................................41



ARTICLE X DEFAULT................................................................................................49

            Section 10.01     Events of Default..................................................................49

            Section 10.02     Waiver of Defaults.................................................................51



ARTICLE XI TERMINATION...........................................................................................52

            Section 11.01     Termination........................................................................52

            Section 11.02     Termination Without Cause..........................................................52



ARTICLE XII MISCELLANEOUS PROVISIONS.............................................................................52

            Section 12.01     Successor to Servicer..............................................................52

            Section 12.02     Amendment..........................................................................53

            Section 12.03     Governing Law......................................................................53

            Section 12.04     Arbitration........................................................................54

            Section 12.05     Duration of Agreement..............................................................54

            Section 12.06     Notices............................................................................54

            Section 12.07     Severability of Provisions.........................................................55

            Section 12.08     Relationship of Parties............................................................55

            Section 12.09     Execution; Successors and Assigns..................................................55

            Section 12.10     Recordation of Assignments of Mortgage.............................................55

            Section 12.11     Assignment by Owner................................................................56

            Section 12.12     Solicitation of Mortgagor..........................................................56

            Section 12.13     Further Agreements.................................................................56

            Section 12.14     Conflicts..........................................................................56

            Section 12.15     Counterparts.......................................................................56

            Section 12.16     Exhibits...........................................................................56

            Section 12.17     Third Party Beneficiaries..........................................................57

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                                    EXHIBITS



        Exhibit A                  Reserved

        Exhibit B                  Form of Assignment and Assumption

        Exhibit C                  Reserved

        Exhibit D                  Servicing System Guidelines and Requirements

        Exhibit E                  Form of Custodial Account Certification

        Exhibit F                  Form of Escrow Account Certification

        Exhibit G                  Form of Power of Attorney

        Exhibit H                  Servicing Criteria

        Exhibit I                  Sarbanes Certification



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         This is a Servicing Agreement for fixed-rate and adjustable-rate

residential first and second lien mortgage loans, dated and effective as of July

1, 2006, and is executed between Bank of America, National Association, as owner

(the "Owner"), and Wells Fargo Bank, N.A., as servicer (the "Servicer").



                               W I T N E S S E T H

                               - - - - - - - - - -



         WHEREAS, the Owner owns certain fixed-rate and adjustable-rate mortgage

loans purchased, from time to time, by the Owner on a servicing released basis

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