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| 1. | Home      Loan Services, Inc. ("HLS") is responsible for assessing compliance with      the servicing criteria      applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of      and for the 12-month      period ending December 31, 2007 (the "Reporting Period"), as set forth in      Appendix A hereto.  The      transactions covered by this report include asset-backed securities      transactions for which      HLS acted as servicer involving subprime residential mortgage loans (the      "Platform") as defined      in Appendix B, as of December 31, 2007, and for the period January 1, 2007      through December      31, 2007;  |
|----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 2. | HLS      has engaged certain vendors, which are not servicers as defined in Item      1101(j) of Regulation      AB (the "Vendors") to perform specific, limited or scripted activities,      and HLS elects not      to take responsibility for assessing compliance with the servicing      criteria or portion of the servicing      criteria applicable to such Vendors' activities as set forth in Appendix A      hereto;                                                                                                                                                                                                                                                    |
| 3. | Except      as set forth in paragraph 4 below, HLS used the criteria set forth in      paragraph (d) of Item 1122      of Regulation AB to assess the compliance with the applicable servicing      criteria;                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| 4. | The      criteria listed in the column titled "Inapplicable Servicing Criteria" on      Appendix A hereto are inapplicable      to HLS based on the activities it performs, directly or through its      Vendors, with respect      to the Platform;                                                                                                                                                                                                                                                                                                                                                                                                                               |
| 5. | HLS      has complied, in all material respects, with the applicable servicing      criteria as of December 31,      2007 and for the Reporting Period with respect to the Platform taken as a      whole, except as described      on Appendix C hereto;                                                                                                                                                                                                                                                                                                                                                                                                                          |
| 6. | HLS      has not identified and is not aware of any material instance of      noncompliance by the Vendors      with the applicable servicing criteria as of December 31, 2007 and for the      Reporting Period      with respect to the Platform taken as a whole, except as described on      Appendix C hereto;                                                                                                                                                                                                                                                                                                                                                           |
| 7. | HLS      has not identified any material deficiency in its policies and procedures      to monitor the compliance      by the Vendors with the applicable servicing criteria as of December 31,      2007 and for the      Reporting Period with respect to the Platform taken as a whole, except as      described on Appendix      C hereto; and                                                                                                                                                                                                                                                                                                                                 |
| 8. | Deloitte      & Touche LLP, a registered public accounting firm, has issued an      attestation report on HLS'      assessment of compliance with the applicable servicing criteria for the      Reporting Period.                                                                                                                                                                                                                                                                                                                                                                                                                                                             |

|   |   | Home Loan Services,      Inc.                  |
|--------|--------|------------------------------------------------|
|   |   |                                           |
|   |   | By:      /s/ Steven A. Baranet                 |
|   |   | Name: Steven A.      Baranet                   |
|   |   | Title: Vice      President, Investor Reporting |

|  Loan      Services             |
|--------------------------------------|
|  P.O. Box      1838             |
|  Pittsburgh, PA      15230-1838 |

| Home Loan Services is      a subsidiary       |   |
|-----------------------------------------------|--------|
| of Merrill Lynch Bank      and Trust Co., FSB |
|                                          |

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| SERVICING      CRITERIA                                                                                                                                         | APPLICABLE      SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                              | INAPPLICABLE      SERVICING CRITERIA            |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------|
|     Reference                                                                                                                               |     Criteria                                                                                                                                                                                                                                                                                                                                                                                |   Performed      Directly by      HLS |  Performed      by      Vendor(s)      for which HLS is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which HLS is NOT the Responsible      Party |  NOTperformed      by HLS or by subservicer(s) or vendor(s) retained by    HLS |
|                     General Servicing      Considerations   |
|  1122(d)(l)(i)                                                                                                                                             | Policies      and procedures are instituted to monitor any performance or other triggers      and events of default in accordance with the transaction      agreements.                                                                                                                                                                                                                                         | X                                               |   |   |   |
|  1122(d)(l)(ii)                                                                                                                                            | If      any material servicing activities are outsourced to third parties,      policies and procedures are instituted to monitor the third party's      performance and compliance with such servicing      activities.                                                                                                                                                                                        | X                                               |   |   |   |
|  1122(d)(1)(iii)                                                                                                                                           | Any      requirements in the transaction agreements to maintain a back-up servicer      for the pool assets are maintained.                                                                                                                                                                                                                                                                                     |                                            |   |   | X |
|   1122(d)(l)(iv)                                                                                                                                      | A      fidelity bond and errors and omissions policy is in effect on the party      participating in the servicing function throughout the reporting period in      the amount of coverage required by and otherwise in accordance with the      terms of the transaction agreements.                                                                                                                           | X                                               |   |   |   |
|                     Cash Collection and      Administration |
|   1122(d)(2)(i)                                                                                                                                       | Payments      on pool assets are deposited into the appropriate custodial bank accounts      and related bank clearing accounts no more than two business days      following receipt, or such other number of days specified in the      transaction agreements.                                                                                                                                               | X                                               |   | X |   |
|  1122(d)(2)(ii)                                                                                                                                            | Disbursements      made via wire transfer on behalf of an obligor or to an investor are made      only by authorized personnel.                                                                                                                                                                                                                                                                                 | X                                               |   |   |   |
|   1122(d)(2)(iii)                                                                                                                                     | Advances      of funds or guarantees regarding collections, cash flows or distributions,      and any interest or other fees charged for such advances, are made,      reviewed and approved as specified in the transaction      agreements.                                                                                                                                                                   | X                                               |   |   |   |
|   1122(d)(2)(iv)                                                                                                                                      | The      related accounts for the transaction, such as cash reserve accounts or      accounts established as a form of overcollateralization, are separately      maintained (e.g., with respect to commingling of cash) as set forth in the      transaction agreements.                                                                                                                                       | X                                               |   |   |   |
|    1122(d)(2)(v)                                                                                                                                 | Each      custodial account is maintained at a federally insured depository      institution as set forth in the transaction agreements. For purposes of      this criterion, "federally insured depository institution" with respect to      a foreign financial institution means a foreign financial institution that      meets the requirements of Rule 13k-1 (b)( 1) of the Securities Exchange      Act. | X                                               |   |   |   |
| 1122(d)(2)(vi)                                                                                                                                                  | Unissued      checks are safeguarded so as to prevent unauthorized      access.                                                                                                                                                                                                                                                                                                                                 | X                                               |   |   |   |

| SERVICING      CRITERIA                                                                                                                                         | APPLICABLE      SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | INAPPLICABLE      SERVICING CRITERIA            |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------|
|     Reference                                                                                                                               |    Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   Performed      Directly by      HLS |  Performed      byVendor(s)      for which HLS is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which HLS is NOT the Responsible      Party | NOTperformed      by HLS or by subservicer(s) or vendor(s) retained by    HLS |
|       1122(d)(2)(vii)                                                                                                             | Reconciliations      are prepared on a monthly basis for all asset-backed securities related      bank accounts, including custodial accounts and related bank clearing      accounts. These reconciliations are (A) mathematically accurate; (B)      prepared within 30 calendar days after the bank statement cutoff date, or      such other number of days specified in the transaction agreements; (C)      reviewed and approved by someone other than the person who prepared the      reconciliation; and (D) contain explanations for reconciling items. These      reconciling items are resolved within 90 calendar days of their original      identification, or such other number of days specified in the transaction      agreements. | X                                               |   |   |   |
|                     Investor      Remittances and Reporting |
|       1122(d)(3)(i)                                                                                                               | Reports      to investors, including those to be filed with the Commission, are      maintained in accordance with the transaction agreements and applicable      Commission requirements. Specifically, such reports (A) are prepared in      accordance with timeframes and other terms set forth in the transaction      agreements; (B) provide information calculated in accordance with the      terms specified in the transaction agreements; (C) are filed with the      Commission as required by its rules and regulations; and (D) agree with      investors' or the trustee's records as to the total unpaid principal      balance and number of pool assets serviced bv the      Servicer.                                              | A,      B, & D                              |   |   | C |
|  1122(d)(3)(ii)                                                                                                                                            | Amounts      due to investors are allocated and remitted in accordance with timeframes,      distribution priority and other terms set forth in the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                               |   |   |   |
|   1122(d)(3)(iii)                                                                                                                                     | Disbursements      made to an investor are posted within two business days to the Servicer's      investor records, or such other number of days specified in the      transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | X                                               |   |   |   |
|  1122(d)(3)(iv)                                                                                                                                            | Amounts      remitted to investors per the investor reports agree with cancelled      checks, or other form of payment, or custodial bank      statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X                                               |   |   |   |
|                     Pool      Asset Administration          |
|  1122(d)(4)(i)                                                                                                                                             | Collateral      or security on pool assets is maintained as required by the transaction      agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X                                               |   |   |   |
|  1122(d)(4)(ii)                                                                                                                                            | Pool      asset and related documents are safeguarded as required by the transaction      agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                            |   |   | X |
|   I122(d)(4)(iii)                                                                                                                                     | Any      additions, removals or substitutions to the asset pool are made, reviewed      and approved in accordance with any conditions or requirements in the      transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X                                               |   |   |   |
|     1122(d)(4)(iv)                                                                                                                          | Payments      on pool assets, including any payoffs, made in accordance with the related      pool asset documents are posted to the Servicer's obligor records      maintained no more than two business days after receipt, or such other      number of days specified in the transaction agreements, and allocated to      principal, interest or other items (e.g., escrow) in accordance with the      related pool asset documents.                                                                                                                                                                                                                                                                                                             | X                                               |   |   |   |
|  1122(d)(4)(v)                                                                                                                                             | The      Servicer's records regarding the pool assets agree with the Servicer's      records with respect to an obligor's unpaid principal      balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | X                                               |   |   |   |

| SERVICING      CRITERIA                        | APPLICABLE      SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | INAPPLICABLE      SERVICING CRITERLV            |
|------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------|
|    Reference                    |    Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   Performed      Directly by      HLS |  Performed      by      Vendor(s) for which HLS is the Responsible Party | Performed      by subservicer(s) or vendor(s) for which HLS is NOT the Responsible      Party |  NOT      performed      by HLS or by subservicer(s) or vendor(s) retained by    HLS |
|   1122(d)(4)(vi)                     | Changes      with respect to the terms or status of an obligor's pool assets (e.g.,      loan modifications or re-agings) are made, reviewed and approved by      authorized personnel in accordance with the transaction agreements and      related pool asset documents.                                                                                                                                                                                                                                                                                                                                                   | X                                               |   |   |   |
|   l!22(d)(4)(vii)                    | Loss      mitigation or recovery actions (e.g., forbearance plans, modifications and      deeds in lieu of foreclosure, foreclosures and repossessions, as      applicable) are initiated, conducted and concluded in accordance with the      timeframes or other requirements established by the transaction      agreements.                                                                                                                                                                                                                                                                                               | X                                               |   |   |   |
|      1122(d)(4)(viii) | Records      documenting collection efforts are maintained during the period a pool      asset is delinquent in accordance with the transaction agreements. Such      records are maintained on at least a monthly basis, or such other period      specified in the transaction agreements, and describe the entity's      activities in monitoring delinquent pool assets including, for example,      phone calls, letters and payment rescheduling plans in cases where      delinquency is deemed temporary (e.g.. illness or      unemployment).                                                                        | X                                               |   |   |   |
|  1122(d)(4)(ix)                           | Adjustments      to interest rates or rates of return for pool assets with variable rates      are computed based on die related pool asset    documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | X                                               |   |   |   |
|      1122(d)(4)(x)    | Regarding      any funds held in trust for an obligor (such as escrow accounts): (A) such      funds are analyzed, in accordance with the obligor's pool asset documents,      on at least an annual basis, or such other period specified in the      transaction agreements; (B) interest on such funds is paid, or credited,      to obligors in accordance with applicable pool asset documents and state      laws; and (C) such funds are returned to the obligor within 30 calendar      days of full repayment of the related pool assets, or such other number of      days specified in the transaction agreements. |  X                                         |   |   |   |
|    1122(d)(4)(xi)               | Payments      made on behalf of an obligor (such as tax or insurance payments) 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 30 calendar days prior to these      dates, or such other number of days specified in the transaction      agreements.                                                                                                                                                                                                 |                                            |   | X |   |
|   1122(d)(4)(xii)                    | Any      late payment penalties in connection with any payment to be made on behalf      of an obligor are paid from the Servicer s funds and not charged to the      obligor, unless the late, payment was due to the obligor's error or      omission.                                                                                                                                                                                                                                                                                                                                                                      |                                            |   | X |   |
|   1122(d)(4)(xiii)                   | Disbursements      made on behalf of an obligor are posted within two business days to the      obligor's records maintained by the Servicer, or such other number of days      specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                      | X                                               |   |   |   |
|  1122(d)(4)(xiv)                          | Delinquencies,      charge-offs and uncollectible accounts are recognized and recorded in      accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | X                                               |   |   |   |
|  1122(d)(4)(xv)                           | Any      external enhancement or other support, identified in Item 1114(a)(l)      through (3) or Item 1115 of Regulation AB, is maintained as set forth in      the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                  | X                                               |   |   |   |

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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |         Appendix      B                                     |                                |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-------------------------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                |                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |      Home      Loan Services, Inc.                                         |                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                Servicing Platform                      |                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                |                                |
| Securitization                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |            Securitization      (cont.)                                     | Whole      Loan                     |
| NCMLT      2005-01                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |                    MLFFMLT 2007-5  | Lehman Brothers                |
| FFMLT      2004-FF11                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                    MLFFMLT 2007-H1 | Merrill      Lynch                  |
| FFMLT      2005-FFA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |                    MLFFMLT 2007-6  | Greenwich      Capital              |
| FFMLT      2005-FF2                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |                    MANA 2007-OAR5  | HSBC                                |
| FFMLT      2005-FF3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |                                                                                                | Goldman      Sachs                  |
| FFMLT      2005-FF4                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |                                                                                                | Fannie      Mae                     |
| SASCO      2005-S4                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |                                                                                                | National      City                  |
| FFMLT      2005-FFH3                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |                                                                                                | First      Franklin Financial Corp. |
| SOUNDVIEW      2005-4 FFMLT      2005-FF8 FFMLT      2005-FF9 FFMLT      2005-FF10 FFMLT      2005-FF11 FFMLT      2005-FF12 SAIL      2005-10 FFMLT      2005-FFH4 HSIASCT      2005-11 FFMLT      2006-FF1 FFMLT      2006-FF2 FFMLT      2006-FFH1 FFMLT      2006-FF3 FFMLT      2006-FF4 FFMLT      2006-FF5 FFMLT      2006-FF6 FFMLT      2006-FF7 FFMLT      2006-FFS FFMLT      2006-FF9 FFMLT      2006-FF10 FFMLT      2006-FF12 FFMLT      2006-FF13 FFMLT      2006-FF14 FFMLT      2006-FF15 FFMLT      2006-FFA FFMLT      2006-FF16 FFMLT      2006-FF17 FFMLT      2006-FFB FFMLT      2006-FF18 MLMIT      2006-FF1 GSAA      2006-S1 FFMLT      2007-FF1 FFMLT      2007-FFA FFMLT      2007-FF2 MLFFMLT      2007-1 FFMLT      2007 FFB-SS MLFFMLT      2007-2 MLFFMLT      2007-3 FFMLT      2007-FFC MLFFMLT      2007-4 MLFFMLT      2007-A |                                                                                                |                                |

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| 1.     | Material      instances of noncompliance by HLS with respect to the      platform:                                                       |
|--------|------------------------------------------------------------------------------------------------------------------------------------------|
|   |                                                                                                                                     |   |
|   | a.                                                                                                                                       | Item      1122 (d)(l)(i) -Policies and procedures are instituted to monitor any      performance or other triggers and events of default in accordance with the      transaction agreements. |
|   |                                                                                                                                     |   |
|   | b.                                                                                                                                       | Item      1122 (d)(2)(vii) - Reconciliations are prepared on a monthly basis for all      asset-backed securities related bank accounts, including custodial      accounts and related bank clearing accounts. These reconciliations are:      (B) prepared within 30 calendar days after the bank statement cutoff date,      or such other number of days specified in the transaction      agreements. |
|   |                                                                                                                                     |   |
|   | c.                                                                                                                                       | Item      1122 (d)(4)(x)(c) - Regarding any funds held in trust for an obligor (such      as escrow accounts):(C) such funds are returned to the obligor within 30      Calendar days of full repayment of the related pool asset, or such other      number of days specified in the transaction agreements. |
|   |                                                                                                                                     |   |
| 2.     | Remediation      efforts related to material instance of noncompliance by HLS with respect      to the platform:                         |
|   |                                                                                                                                     |   |
|   | a.                                                                                                                                       | With      respect to the criteria set forth in paragraph 1.a. above, monthly      reporting and quarterly review processes were established in April 2007      and maintained throughout the remainder of the year.  No      subsequent exceptions were noted. |
|   |                                                                                                                                     |   |
|   | b.                                                                                                                                       | With      respect to the criteria set forth in paragraph 1.b. above, bank      reconciliations were completed within the 30 day period; however,      preparers sign-off did not occur until the 31st day. This exception was      noted in the first six months of 2007. Processes were revised with no      subsequent findings in the second      half of 2007. |
|   |                                                                                                                                     |   |
|   | c.                                                                                                                                       | With      respect to the criteria set forth in paragraph 1.c. above, funds held in      escrow on two accounts were not returned within 30 days of loan      payoff.  Processes have been revised to ensure for future      compliance. |
|   |                                                                                                                                     |   |
| 3.     | Material      instances of noncompliance by Vendors with respect to the      Platform:                                                   |
|   |                                                                                                                                     |   |
|   | a.                                                                                                                                       | Item      1122 (d)(4)(xii) - Any late payment penalties in connection with any      payment to be made on behalf of an obligor are paid from the servicer's      funds and not charged to the obligor, unless the late payment was due to      the obligor's error or omission. |
|   |                                                                                                                                     |   |
| 4.     | Remediation      efforts related to material instance of noncompliance by Vendor respect to      the platform:                           |
|   |                                                                                                                                     |   |
|   | a.                                                                                                                                       | With      respect to the criteria set forth in paragraph 3.a. above, practices and      procedures to capture information necessary to assess compliance were      implemented as of January 1, 2008 by Assurant Specialty      Property. |
|   |                                                                                                                                     |   |
| 5.     | No      material deficiencies in HLS policies and procedures to monitor Vendors      were identified.                                    |
|   |                                                                                                                                     |   |
| 6.     | Remediation      efforts related to material deficiencies in HLS policies and procedures to      monitor Vendors — Not Applicable. |

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