ZC
                Sterling Corporation210
              Interstate North ParkwaySuite
              400Atlanta,
              GA 30339Tel
              770.690.8400Fax
              770.690.8240http://www.zcsterling.com




**Report
      on Assessment of Compliance with Securities and Exchange**


**Commission's
      Regulation AB Servicing Criteria**




For
        the
        calendar year ending December 31 2006, or portion thereof (the "Period"),
        ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a subcontractor for
        Servicers identified in Appendix A.
  The
        undersigned are Senior Vice Presidents of ZCSIA, have sufficient authority
        to make
        the
        statements contained in this Assertion and are responsible for assessing compliance
        with the servicing criteria applicable to ZCSIA. ZCSIA has used the servicing
        criteria communicated to ZCSIA by the Servicer to assess compliance with
        the
        applicable servicing criteria. Accordingly, servicing criteria 1122 (d)
        1 (iv),
        1122 (d) 2(vi), 1122 (d) 4(xi), 1122 (d) 4(xii), and 1122 (d) 4(xiii) are applicable
        to the activities performed by ZCSIA with respect to the Platforms covered
        by
        this report. The remaining servicing criteria set forth in Item 1122 (d) of
        the
        Securities and Exchange Commission's Regulation AB are not applicable to the
        activities performed by ZCSIA with respect to the Platform covered by this report.
        As a subcontractor for Servicer, ZCSIA has determined that it complied in all
        material respects with the servicing criteria listed below. ZCSIA engaged Ernst
        & Young, LLP ("E&Y"), a registered public accounting firm, to review ZCSIA's
        assessment, and E&Y has issued an attestation report on ZCSIA's assessment
        of compliance with the applicable servicing criteria for the
        Period.




1.  ZCSIA
      maintained a fidelity bond and errors & omissions policy in effect on ZCSIA
      throughout the reporting period in the amount of coverage required by the
      transaction agreements between the Servicer and ZCSIA
      (1122(d)((1)(iv)).




2.  To
      the
      extent that ZCSIA prints checks for Servicer or otherwise hasServicer's
      checks or check stock, unissued checks are safeguarded so as to preventunauthorized
      access (1122(d)(2)(vi)). [AS OF DECEMBER 31, 2006, THISPROVISION
      WILL APPLY ONLY FOR THE FOLLOWING SERVICERS: ABNAmro
      Mortgage Group, Inc, Option One Mortgage Corporation, Sun TrustMortgage,
      Inc., HomEq Servicing Corporation, Wachovia Insurance Corporation,Wells
      Fargo Home Mortgage.







3. 
      Payments made on behalf of Servicer's obligor for insurance premiums are made
      on
      or before the related penalty or expiration dates, as indicated on the appropriate
      bills or notices for such payments, provided that such support has been received
      by the Servicer at least thirty (30) calendar days prior to thesedates,
      or
      such other number of days specified in the transaction agreements between
      Servicer and ZCSIA (1122(d)(4)(xi)).




4.   
       Any late payment penalties in connection with any payment for insurance to
      be made on behalf of Servicer's obligor are paid from the Servicer's funds
      or
      ZCSIA's funds and not charged to Servicer's obligor, unless the late payment
      was
      due to the obligor's error or omission (1122(d)(4)(xii)).




5.
      File(s) provided to Servicer from which Servicer may make disbursements made
      on
      behalf of Servicer's obligor are provided to Servicer on an accurate and timely
      basis and the information thereon is subject to such controls as are specified
      in the transaction agreements between Servicer and ZCSIA
      (1122(d)(4)(xiii).




Sincerely,


ZC STERLING
      INSURANCE AGENCY, INC.






By:
            /s/
              Arthur J. CastnerArthur
              J. CastnerTitle:
            Senior
              Vice President - Hazard OperationsDate:
            February
              20, 2007By:
            /s/
              James P. NovakJames
              P. NovakTitle:
            Senior
              Vice President & General CounselDate:
            February
              20, 2007












**A** **ppendix
        A**
 The
        following is a list of Clients serviced on the ZC Sterling Integrated ProductSolution
        (ZIPS) Platform:
 1.  ABN
          Amro
          Mortgage Group, Inc.
 2.  Dovenmuehle
          Mortgage, Inc.
 3.  HomEq
          Servicing Corporation
 4.  Option
          One Mortgage Corporation
 5.  People's
          Choice Home Loan, Inc.
 6.  Sun
          Trust
          Mortgage, Inc.
 7.  Wachovia
            Insurance Agency (and its affiliates, including Wachovia  Mortgage
            Corporation)
 8.  Wells
          Fargo Home Mortgage