2009-11-18 20:42:02 -

Fitch Ratings has assigned U.S. residential servicer ratings to PNC Bank, N.A. (PNC) as follows.

--Residential primary servicer rating for Prime product at 'RPS2+';

--Residential primary servicer rating for Alt-A product at 'RPS2+'.

The rating actions are due to PNC's merger with National City Bank, which was completed on Nov. 7, 2009. PNC, through its predecessor, has an experienced servicing management

team, comprehensive controls, and proficient loan administration practices. For more information, see Fitch's press releases on National City Bank's servicer ratings dated Nov. 18, 2009 and Sept. 14, 2009. The ratings also reflect PNC's financial strength (rated 'A+', with a Stable Outlook, by Fitch). In addition, the ratings were determined in accordance with Fitch's criteria 'Rating U.S. Residential Mortgage Servicers' and 'Global Rating Criteria for Structured Finance Servicers'.

Fitch rates residential mortgage primary, master, and special servicers on a scale of 1 to 5, with 1 being the highest rating. Within some of these rating levels, Fitch further differentiates ratings by plus (+) and minus (-) as well as the flat rating. For more information on Fitch's residential servicer rating program, please see Fitch's report 'Rating U.S. Residential Mortgage Servicers', dated Nov. 29, 2006 and 'Global Rating Criteria for Structured Finance Servicers' dated Sept.
30, 2009, which are available on the Fitch Ratings web site at ' www.fitchratings.com : '.

Additional information is available at ' www.fitchratings.com : '.

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS : .

IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE ' WWW.FITCHRATINGS.COM : '.

PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE.

Fitch Ratings, New YorkThomas Crowe, +1-212-908-0227Mary
Kelsch, +1-212-908-0563Media RelationsSandro Scenga,
+1-212-908-0278 sandro.scenga@fitchratings.com : mailto:sandro.scenga@fitchratings.com