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**        Linda Miller,**

|   | (i) | Based                  on such Officer's knowledge, the information relating to the Mortgage                  Loans and the servicing thereof submitted by the Servicer to ABN                  AMRO Mortgage Capital Markets Group, Inc. which is used in connection                  with preparation of the reports on Form 8-K and the annual report                  on Form 10-K filed with the SEC with respect to the Transaction,                  taken as                  a whole, does not contain any untrue statement of amaterial                  fact or                  omit to state a material fact necessary to make the statements                  made, in                  light                  of the circumstances under which such statements were made, not                  misleading                  as of the date of this                  certification; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | The                  servicing information required to be provided to ABN AMRO Mortgage                  Capital Markets Group, Inc. by the Servicer under applicable Servicing                  Agreements has been provided to ABN AMRO Mortgage Capital                  Markets Group, Inc.; |
|--------|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | Such                  Officer is responsible for reviewing the activities performed by                  the                  Servicer                  under applicable Servicing Agreements and based upon the review                  required under applicable Servicing Agreements, and except as disclosed                  in the Annual Statement of Compliance, the Annual Independent Public                  Accountant's Servicing Report and all servicing reports, officer's                  certificates                  and other information relating to the servicing of the Mortgage                  Loans                  submitted to ABN AMRO Mortgage Capital Markets Group, Inc., the                  Servicer has, as of the date of this certification fulfilled its                  obligations under                  applicable Servicing Agreements;                  and |
|--------|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iv) | Such                  Officer has disclosed to ABN AMRO Mortgage Capital Markets                  Group, Inc.. all significant deficiencies relating to the Servicer's                  compliance with the minimum servicing standards in accordance                  with a review conducted in compliance with the Uniform                  Single Attestation Program for Mortgage Bankers or similar                  standard as set forth under applicable Servicing Agreements. |
|--------|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

**First        Horizon Home Loan Corporation**

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|   | ABN                  AMRO Mortgage |                            |
|--------|------------------------------------|---------------------------------|
| 508    | EMC                                | SACO                  I 2005-7  |
| 509    | EMC                                | SACO                  I 2005-8  |
| 510    | HMC                                | SACO                  I 2005-10 |
|   |                               |                            |

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