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| 1.   | A                review of EMC's activities during the period from and including January                1,                2006 through and including December 31, 2006 (the "Reporting Period")                and                EMC's performance under the Agreement has been made under my                supervision. |
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| 2.   | To                the best of my knowledge, based on such review, EMC has fulfilled                all of                its obligations under the Agreement in all material respects throughout                the Reporting Period. |
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|                                                                            | By:                  /s/ John Vella                                                         |
|---------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------|
|                                                                            |                         John Vella                            |
|                                                                            |                         President and Chief Executive Officer |
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|                                                                            | **Member**                                                                                  |
| 2780                  Lake Vista Drive, Lewisville, Texas 75067                 | **Mortgage                  Bankers**                                                       |
| Mailing                  Address: P.O. Box 1292190 Lewisville, Texas 75029-2190 | **Association                  of America**                                                 |

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