ZC Sterling
                                                       Keeping You First


                                          ZC Sterling Corporation
                                          210 Interstate North Parkway
                                          Suite. 400
                                          Atlanta, GA 30339

                                          Tel 770.690.8400
                                          Fax 770.690.8240
                                          http://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(v), 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 has
Servicer's checks or check stock, unissued checks are safeguarded so as to
prevent unauthorized access (1122(d)(2)(vi)). [AS OF DECEMBER 31, 2006, THIS
PROVISION WILL APPLY ONLY FOR THE FOLLOWING SERVICERS: ABN Amro Mortgage
Group, Inc, Option One Mortgage Corporation, Sun Trust Mortgage, 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
these dates, 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. Castner
---------------------------------------
Arthur J. Castner

Title: Senior Vice President - Hazard Operations

Date: February 20, 2007

By: /s/ James P. Novak
---------------------------------------
James P. Novak

Title: Senior Vice President & General Counsel

Date: February 20, 2007







Appendix A
The following is a list of Clients serviced on the ZC Sterling Integrated
Product Solution (ZIPS) Platform:

1. ABN Arnro 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