The ratings on three P&I classes, Cl. A-MFX, Cl. A-MFX2 and Cl. A-MFL, were downgraded due to the current and potential future interest shortfalls caused by the specially serviced and modified loans. The ratings on four P&I classes, Cl. A-J, Cl. B, Cl. C and Cl. D, were affirmed because the ratings are consistent with Moody's expected loss.