exhibit a [ reserved ] exhibit b [ reserved ] exhibit c [ reserved ] exhibit d [ reserved ] exhibit e [ reserved ] exhibit f servicing criteria the assessment of compliance to be delivered by wells fargo bank, n. a. ( “ wells fargo ” ), in its capacities as master servicer, securities administrator and as custodian, shall address, at a minimum, the criteria identified below as “ applicable servicing criteria ” : servicing criteria applicable servicing criteria for wells fargo reference criteria general servicing considerations 1122 ( d ) ( 1 ) ( i ) policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. x 1122 ( d ) ( 1 ) ( ii ) if any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party ’ s performance and compliance with such servicing activities. x 1122 ( d ) ( 1 ) ( iii ) any requirements in the transaction agreements to maintain a back - up servicer for the mortgage loans are maintained. 1122 ( d ) ( 1 ) ( iv ) a fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. x cash collection and administration 1122 ( d ) ( 2 ) ( i ) payments on mortgage loans are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. x 1122 ( d ) ( 2 ) ( ii ) disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. x 1122 ( d ) ( 2 ) ( iii ) advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. x 1122 ( d ) ( 2 ) ( iv ) the related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained ( e. g., with respect to commingling of cash ) as set forth in the transaction agreements. x 1122 ( d ) ( 2 ) ( v ) each custodial account is maintained at a federally insured depository