| 1E - DSCR < 1.10, 1F - DSCR < 1.40 and <= 75% U/W DSCR. The loan is secured by a 74,976 sf office property in Sacramento, CA built in 1978. The property was inspected on 09/26/2008 and rated in good condition. Q1 09 NCF DSCR is 1.20x with occupancy of 70%. YE 08 NCF DSCR is 0.98x, with a Q1 09 occupancy of 70%. 3Q 9/30/2008 NCF DSCR is 0.96 with occupancy of 67%. 2Q 6/30/2008 DSCR was 0.87 with occupancy of 67%. YE 2007 DSCR was 1.38 with occupancy of 68%. YE 2006 DSCR was 1.24 with occupancy of 73%. The DSCR decline is attributed to a decrease in EGI. The borrower continues to actively lease the vacant space, but attributes the lower than budgeted revenue to the soft market conditions. The loan is above the WL threshold and will be removed with Q2 09 reporting. Bank of America will contact the borrower for leasing updates and will continue to monitor the loan.
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