**GMAC Bank****Certification Regarding Compliance with Applicable Servicing Criteria1**1.GMAC. Bank ("GMACB") 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 (i) all SEC-registered transactions closed on or after January 1, 2006 and (ii) unregistered transactions where  GMACB has agreed to prepare an assessment of compliance in conformity with Item  1122 of Regulation AB. for which GMACB acted as Document Custodian and involving  first and second lien mortgage loans and home equity loans (the "GMAC Bank Platform"), as set forth in Appendix B hereto. 2.Except as set forth in paragraph 3 below, GMACB used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance with the applicable servicing criteria; 3.The criteria listed in the column titled "Inapplicable to GMACB" in Appendix A hereto  are inapplicable to GMACB based on the activities it performs with respect to the GMAC Bank Platform; 4.GMACB 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 GMAC Bank  Platform taken as a whole; and 5.PricewaterhouseCoopers LLP, a registered independent public accounting firm, has  issued an attestation report on GMACB's assessment of compliance with the applicable servicing criteria for the Reporting Period. March 17, 2008 GMAC Bank By:  /s/ Robert E. Groody Name: Robert E. Groody Title: Executive Vice President APPENDIX A **SERVICING CRITERIA****SERVICING CRITERIA****Reference****Criteria****Applicable to****GMACB****Inapplicable to****GMACB****General Servicing Considerations**1122(d)(1)(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreement ******X**1122(d)(1)(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 tire pool assets are maintained. ******X**1122(d)(1)(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**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, arc 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, arc 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 aforeign  financial institution that meets the requirements of Rule 13k-l(b)(1) of the Securities Exchange Act, ******X**1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access. ******X**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 arc (A) mathematically accurate; (H) 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 40 calendar days of their original identification, or such other number of days specified in the transaction agreements. ******X****SERVICING CRITERIA****SERVICING CRITERIA****Reference****Criteria****Applicable to****GMACB****Inapplicable to****GMACB****Investor Remittances and Reporting**1122(d)(3)(i) Reports to investors. including those to be filed with the Commission, arc 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; (13) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are tiled 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 by the Servicer. X 1122(d)(3)(ii) Amounts s due to investors arc 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 a' required by the transaction agreements **X******1122(d)(4)(iii) Any additions, removals or substitutions to the asset pool arc made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. X 1 122(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 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 1122(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 deemed temporary (e.g., illness or unemployment). X **SERVICING CRITERIA****SERVICING CRITERIA****Reference****Criteria****Applicable to****GMACB****Inapplicable to****GMACB**1122(d)(4)(ix) Adjustments to interest rates or rates of return for pool assets with variable rates arc computed based on the 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 arc 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: (13) interest on such funds is paid. or credited. to obligors in accordance with applicable pool asset documents and state laws:  and (C) such funds arc 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 front 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)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. ******X**Appendix B  SACO 06-1  2006-5 SACO 06-8  SACO 06-6  SACO 06-7  SACO 06-9  SACO 06-9  SACO 06-10  SACO 06-12  SACO 2007-2  BSSLT07-1  BSSLT07-1  BSSLT 2007-2 2006-S1 2006-RF2  SAIL2006-2  2006-3H LMT 2006-2  2006-GP2  2006-4N 2006-GP1  LXS 2006-7  LXS 2006-8  2006-GP3  LXS 06-10N  2006-ARS1  LXS 06-10N  LXS2006-11  LXS2006-GP4  LXS 06-12N  2006-GEL3  LXS2006-12N  GPMF2006AR4 LXS2006-13  GPMF2006AR5 GPMF2006AR6 LMT 2006-7  2006-GEL4  GPMF2006AR7  GPMF2006AR8  2007-GEL1  2007-GEL1  GPMF2007AR1  SASCO07-RF1  GPMF2007AR2  2007-GEL2  2007-GEL2  SAS2007-TC1  SASCO07-RF2  SASCO07-RNP1  LXS 06-18N  LXS 2007-4N  LXS 07-15N  BOA-PNC  BOA-PNC  LEHMAN 0705  BV 2007-18  SECURITIES 2007-AR1 BAFC 06-5  SNDVW2006-A  SNDV2007-1  HBVW 06-SB1  BAYVIEW  BAYVIEW MASD 2007-1  MASD 2007-1  MASTR 07-2  MASTR 07-2  ISAC 2006-5  SAC 2006-3  ISAC 2006-4  CMB 2007-A  MSM 06-10SL MSM 06-14SL  MSM2007-4SL  BV 2007-1 MSM 06-4SL  NAAC2006AP1  ACE2007HE5  Macquarie 2007-1  GSMPS06RP1  GSR 2006-4F  2006-1 TCMLT 07-1  DLJMC-WACHO  DLJMC-HUDSO  2006-HE1 MSM 06-2 MSM 06-3AR  MSM 06-5AR  MSM 06-6AR  MSM 06-7 MSM 06-8AR  MSM 06-11  MSM06-12XS  LUM 2006-6  CMLTI07AMC2  MARM 2007-2  DBALT06AB1  DBALT06AR1  GSR 2006-2F  MALT 2006-1  MSM 06-1AR  NAAC2006AR1  BAFC 06-1  BSALTA 06-1  MASD 2006-1  MARP 06-1  ACE2006-SL1  CSMC 2006-1  GSR2006-AR1 NAAC2006S1  MIT 2006-1  BAFC 06-2  GSR 2006-3F  NAAC2006AR2 DBALT06AF1  MASTR 06-1  2006-B  GSR2006-AR2  BSALTA 06-3  PRIME06-CL1  ARMT 2006-2  LUM 2006-4  NAAC2006S2  DBALT06AB2  DBALT06AR2  SAIL 2006-3  BSABS06SD2  BSARM2006-2  NAAC 06-AF1  NAAC 06-AF1  MASD 2006-2  DBALT06AB3  MALT 2006-3  LUM 2006-5  MASD 2006-2  BSALTA 06-4  BAFC 06-4  2006-S3 MSM 06-9AR  DBALT06AR3  GSMPS2004-4  HBRVW 06-8  NAAC 06-AF2  NAAC 06-AF2 NAAC 06-AF2  MSM07-3XS GSMPS 06-2 ACE2006-SL4  SASCO 068C2  MARP 06-2  MSM06-13ARX  MARM 060A2  DBALT06AB4  DBALT06AR4  HBRVW 06-8  2006-AR3  CSMC 2006-8  MSM2007-5AX  DBALT06AR5  MSM06-16AX  MASD 2006-3  MSM06-15XS  HBRVW 06-10  CSMC 2006-9  MASTR 06-3  MASD 2006-03  2006-AR4  2006-S5 NHELI 06AF1  HBVW2006-14  DBALT06AR6  HBVW2006-13  MSM06-17XS  BAYVW2006-D  BSALTA 06-8  DBALT06OA1  SACO2006-11  MSM2007-1XS  MSM2007-2AX  DBALT07AR1  MALT 2007-1  NAAC 2007S1  NHEL 07-1  NHEL 07-1  DBALT07AR2 DBALT07BAR1  ACE2007SL1  RBSGC2007-B  MARM 2007-2  NAAC 2007-1  MSM07-6XS  DBALT07AR3  BSABS07SD2  DBALT07OA2  SEMT 2007-1  BSSLT07SV1  NAAC 2007S2  HVMLT 07-2  BSSLT07SV1  DBALT07AB1  ASC 2007-S1  BAYVW2007-A  MARM 07-HF1  HVMLT 07-3  HVMLT 07-A  BAFC 2007-3  ACE2007HE4  MSM07-7AX  CG2007-SHL1  NAAC 2007-1  ACE07STICS1  BSABS07SD3  SEMT 07-02  BAFC 2007-4  DBALT07OA3  HVMLT 07-4  HVMLT 07-4  MHL 2007-1  MSM07-8XS  DBALT 07-2  SEMT 07-4  GSR 2007-4F  DBALT07OA4 MSM07-10XS  MSM07-11AR  MHL 2007-2  DBALT07-1  NAAC 2007-3  NAAC 2007-2  DBALT07OA45  MSM07-12  HVMLT07-06  BAYVW2007-B  SEMT 07-03  MARM 07-HF2  ACE2007SL2  BAFC 2007-7  ACE2007SL3  ACE2007SL3  MSM07-13  CSMC 2007-6  HVMLT07-07  DBALT 07-3  MALT 07-HF1  MALT 07-4  MSM07-14AR  MSM07-15AR  2006-J1 2006-AR1  2006-AR2  2006-HLTV1  2006-HE1  2006-HE2  2006-HE3  2006-HE4  2006-HE5  2007-HE1  2007-HE2  2007-HE3