ZC STERLING
                                                 KEEPNG YOU FIRST

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

                                                 Tel 770.640.8400
                                                 Fax 770.640.8240
                                                 http://www.zcsterling.corn


      Report on Assessment of Compliance with Securities and Exchange
             Commission's Regulation AB Servicing Criteria

For the calendar year ending December 31 2007, or portion thereof (the
"Period"), ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a
subcontractor for Servicers (also referred to as "Clients" within this
report) identified in Appendix A and the Platform noted therein.

The undersigned 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 set forth in Item 1122 (d) (1) (iv), Item
1122 (d) (2) (vi), Item 1122 (d) (4) (xi), Item 1122 (d) (4) (xii), and Item
1122 (d) (4) (xiii) of the Securities and Exchange Commission's Regulation AB
servicing criteria, which are applicable to the activities performed by ZCSIA
with respect to the Clients and the Platform 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 Clients and 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)),

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 15, 2008


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

Title: Senior Vice President & General Counsel

Date:  February 15, 2008


















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

   1. Dovenmuehle Mortgage, Inc.
   2. HomeEq Servicing
   3. Option One Mortgage Corporation
   4. UBS Special Servicing Group
   5. Sun Trust Mortgage, Inc.
   6. Wachovia Mortgage FSB
   7. Wells Fargo Home Mortgage
   8. Marix Servicing. LLC.