UNITED STATES
                     SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                                  FORM 10-K


  (Mark one)

  /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the fiscal year ended December 31, 2007

      OR


  / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
      EXCHANGE ACT OF 1934
      For the transition period from ____________ to ____________



      Commission file number: 333-140923-05

      HSI Asset Loan Obligation Trust 2007-AR2
      (exact name of issuing entity as specified in its charter)

      HSI Asset Securitization Corporation
      (exact name of the depositor as specified in its charter)

      HSBC Bank USA, National Association
      (exact name of the sponsor as specified in its charter)



  New York                                54-2200329
  (State or other jurisdiction of         54-2200330
  incorporation or organization)          (I.R.S. Employer
                                          Identification No.)


   c/o Wells Fargo Bank, N.A.
   9062 Old Annapolis Road
   Columbia, MD                                 21045
   (Address of principal executive              (Zip Code)
   offices)


 Telephone number, including area code: (410) 884-2000




  Securities registered pursuant to Section 12(b) of the Act:

    NONE.



  Securities registered pursuant to Section 12(g) of the Act:

    NONE.



  Indicate by check mark if the registrant is a well-known seasoned issuer, as
  defined in Rule 405 of the Securities Act.

    Yes ___     No  X



  Indicate by check mark if the registrant is not required to file reports
  pursuant to Section 13 or Section 15(d) of the Act.

    Yes ___     No  X



  Note - Checking the box above will not relieve any registrant required to
  file reports pursuant to Section 13 or 15(d) of the Exchange Act from their
  obligations under those Sections.

  Indicate by check mark whether the registrant (1) has filed all reports
  required to be filed by Section 13 or 15(d) of the Securities Exchange Act
  of 1934 during the preceding 12 months (or for such shorter period that the
  registrant was required to file such reports), and (2) has been subject to
  such filing requirements for the past 90 days.

    Yes  X      No ___



  Indicate by check mark if disclosure of delinquent filers pursuant to Item
  405 of Regulation S-K (Section 229.405 of this chapter) is not contained
  herein, and will not be contained, to the best of registrant's knowledge, in
  definitive proxy or information statements incorporated by reference in Part
  III of this Form 10-K or any amendment to this Form 10-K.

    Not applicable.



  Indicate by check mark whether the registrant is a large accelerated filer,
  an accelerated filer, a non-accelerated filer, or a smaller reporting
  company.  See the definitions of "large accelerated filer", "accelerated
  filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act.

   Large accelerated filer ___
   Accelerated filer ___
   Non-accelerated filer X (Do not check if a smaller reporting company)
   Smaller reporting company ___

  Indicate by check mark whether the registrant is a shell company (as defined
  in Rule 12b-2 of the Act).

    Yes ___     No  X



  State the aggregate market value of the voting and non-voting common equity
  held by non-affiliates computed by reference to the price at which the
  common equity was last sold, or the average bid and asked price of such
  common equity, as of the last business day of the registrant's most recently
  completed second fiscal quarter.

    Not applicable.



  Indicate by check mark whether the registrant has filed all documents and
  reports required to be filed by Section 12, 13 or 15(d) of the Securities
  Exchange Act of 1934 subsequent to the distribution of securities under a
  plan confirmed by a court.

    Not applicable.



  Indicate the number of shares outstanding of each of the registrant's
  classes of common stock, as of the latest practicable date.

    Not applicable.



  DOCUMENTS INCORPORATED BY REFERENCE

  List hereunder the following documents if incorporated by reference and the
  Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document
  is incorporated: (1)Any annual report to security holders; (2) Any proxy or
  information statement; and (3)Any prospectus filed pursuant to Rule 424(b)
  or (c) under the Securities Act of 1933. The listed documents should be
  clearly described for identification purposes (e.g., annual report to
  security holders for fiscal year ended December 24, 1980).

  None.



                                     PART I

  Item 1.      Business.

               Not applicable.


  Item 1A.     Risk Factors.

               Not applicable.


  Item 1B.     Unresolved Staff Comments.

               None.


  Item 2.      Properties.

               Not applicable.


  Item 3.      Legal Proceedings.

               Not applicable.


  Item 4.      Submission of Matters to a Vote of Security Holders.

               Not applicable.




                                     PART II

  Item 5.      Market for Registrant's Common Equity, Related Stockholder
               Matters and Issuer Purchases of Equity Securities.

               Not applicable.


  Item 6.      Selected Financial Data.

               Not applicable.


  Item 7.      Management's Discussion and Analysis of Financial Condition and
               Results of Operation.

               Not applicable.


  Item 7A.     Quantitative and Qualitative Disclosures About Market Risk.

               Not applicable.


  Item 8.      Financial Statements and Supplementary Data.

               Not applicable.


  Item 9.      Changes in and Disagreements With Accountants on Accounting and
               Financial Disclosure.

               Not applicable.


  Item 9A.     Controls and Procedures.

               Not applicable.


  Item 9A(T).  Controls and Procedures.

               Not applicable.


  Item 9B.     Other Information.

               Not applicable.




                                    PART III

  Item 10.     Directors, Executive Officers and Corporate Governance.

               Not applicable.


  Item 11.     Executive Compensation.

               Not applicable.


  Item 12.     Security Ownership of Certain Beneficial Owners and Management
               and Related Stockholder Matters.

               Not applicable.


  Item 13.     Certain Relationships and Related Transactions, and Director
               Independence.

               Not applicable.


  Item 14.     Principal Accounting Fees and Services.

               Not applicable.




  ADDITIONAL DISCLOSURE ITEMS FOR REGULATION AB


Item 1112(b) of Regulation AB, Significant Obligor Financial Information.

No single obligor represents 10% or more of the pool assets held by the issuing
entity.



Item 1114(b)(2) of Regulation AB, Significant Enhancement Provider Financial
Information.

No entity or group of affiliated entities provides any external credit
enhancement or other support for the certificates within this transaction as
described under Item 1114 (a) of Regulation AB.



Item 1115(b) of Regulation AB, Certain Derivatives Instruments (Financial
Information).

No entity or group of affiliated entities provides any derivative instruments
or other support for the certificates within this transaction as described
under Item 1115 of Regulation AB.



Item 1117 of Regulation AB, Legal Proceedings.

There are no known legal proceedings pending against any party specified
in 1117 of Regulation AB, or of which any property of the foregoing is
subject, or any proceedings known to be contemplated by governmental
authorities against any of the foregoing, that are material to security
holders other than routine litigation incidental to the duties of those
respective parties.



Item 1119 of Regulation AB, Affiliations and Certain Relationships and Related
Transactions.

The information regarding this Item has been previously filed in a 424(b)(5)
filing dated August 1, 2007 and August 9, 2007.



Item 1122 of Regulation AB, Compliance with Applicable Servicing Criteria.

The reports on assessment of compliance with the servicing criteria for
asset-backed securities and the related attestation reports on such assessments
of compliance are attached hereto under Item 15.

SunTrust Mortgage, Inc. has assessed its compliance with Applicable Servicing
Criteria for the Reporting period and has identified two instances of
noncompliance with the servicing criteria as set out in Section
229.1122(d)(1)(iv) and Section 229.1122(d)(2)(vii), respectively. In regards
to the former, SunTrust Mortgage, Inc. did not strictly maintain the required
fidelity bond coverage amount at all times during 2007. And, in regards to
the latter, certain bank reconciliations contained items that required
enhanced explanations and that were not fully resolved within 90 calendar
days of original identification.

As to the issue identified at Section 229.1122(d)(1)(iv), SunTrust Mortgage,
Inc. maintained fidelity bond coverage in the amount of $150MM throughout
calendar year 2007, which was determined to be insufficient according to
applicable FNMA transaction agreement terms. This deficiency was an issue
for limited portions of the year and resulted from an increase in the volume
of the servicing portfolio. SunTrust Mortgage, Inc. has requested a waiver from
FNMA stating this coverage amount is adequate without regard for the size of
the residential servicing portfolio, subject to an annual FNMA review. FNMA
has verbally agreed to this request, and SunTrust Mortgage, Inc. is working to
formalize this agreement. Regarding the issue identified at Section
229.1122(d)(2)(vii), SunTrust Mortgage, Inc. has enhanced its procedures and
controls around the relevant reconciliation process to prevent any future
compliance concerns.



Item 1123 of Regulation AB, Servicer Compliance Statement.

The servicer compliance statements are attached hereto under Item 15.



                               Part IV

  Item 15. Exhibits, Financial Statement Schedules.

  (a) Exhibits.

  (4.1) Pooling and Servicing Agreement dated as of July 1, 2007, among HSI
        Asset Securitization Corporation, Wells Fargo Bank, N.A., and
        Deutsche Bank National Trust Company (incorporated by reference
        to Exhibit 4.1 to the Issuing Entity's Current Report on Form
        8-K dated August 15, 2007 and filed with the Securities and
        Exchange Commission on August 15, 2007).

  (10.1) Mortgage Loan Purchase Agreement dated as of July 31, 2007, between
         HSI Asset Securitization Corporation and HSBC Bank USA,
         National Association (incorporated by reference to Exhibit
         99.1 to the Issuing Entity's Current Report on Form 8-K dated
         August 15, 2007 and filed with the Securities and Exchange
         Commission on August 15, 2007).

  (10.2) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation,
         American Home Mortgage Corp. and American Home Mortgage
         Servicing, Inc., Wells Fargo Bank, N.A., and Deutsche Bank
         National Trust Company, regarding (i) the Master Mortgage
         Loan Purchase and Servicing Agreement, dated as of June 21,
         2006, between American Home Mortgage Corp., American Home
         Mortgage Servicing, Inc. and HSBC Bank USA, National
         Association (incorporated by reference to Exhibit 99.2 to the
         Issuing Entity's Current Report on Form 8-K dated August 15,
         2007 and filed with the Securities and Exchange Commission on
         August 15, 2007).

  (10.3) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation,
         American Home Mortgage Corp. and American Home Mortgage
         Servicing, Inc., Wells Fargo Bank, N.A., and Deutsche Bank
         National Trust Company, regarding (i) the Master Mortgage
         Loan Purchase and Interim Servicing Agreement, dated as of
         November 1, 2006, between American Home Mortgage Corp.,
         American Home Mortgage Servicing, Inc. and HSBC Bank USA,
         National Association (incorporated by reference to Exhibit
         99.3 to the Issuing Entity's Current Report on Form 8-K dated
         August 15, 2007 and filed with the Securities and Exchange
         Commission on August 15, 2007).

  (10.4) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation and
         American Mortgage Network, Inc., Wells Fargo Bank, N.A., and
         Deutsche Bank National Trust Company, regarding (i) the
         Seller's Purchase and Warranties Agreement, dated as of June
         1, 2007, between American Mortgage Network, Inc. and HSBC
         Bank USA, National Association (incorporated by reference to
         Exhibit 99.4 to the Issuing Entity's Current Report on Form
         8-K dated August 15, 2007 and filed with the Securities and
         Exchange Commission on August 15, 2007).

  (10.5) Assignment, Assumption and Recognition Agreement, dated as of
         July 31, 2007, among HSI Asset Securitization Corporation,
         Countrywide Home Loans, Inc. and Countrywide Home Loans Servicing
         LP, Wells Fargo Bank, N.A., and Deutsche Bank National Trust
         Company, regarding (i) the Master Mortgage Loan Purchase Agreement,
         dated as of September 1, 2006, between Countrywide Home Loans, Inc.
         and HSBC Bank USA, National Association (incorporated by reference
         to Exhibit 99.5 to the Issuing Entity's Current Report on Form 8-K
         dated August 15, 2007 and filed with the Securities and Exchange
         Commission on August 15, 2007) and (ii) the Servicing Agreement,
         dated as of September 1, 2006, between Countrywide Home Loans, Inc.
         and HSBC Bank USA, National Association (incorporated by reference
         to Exhibit 99.5 to the Issuing Entity's Current Report on Form 8-K
         dated August 15, 2007 and filed with the Securities and Exchange
         Commission on August 15, 2007).

  (10.6) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation and
         Residential Funding Company, LLC, Wells Fargo Bank, N.A., and
         Deutsche Bank National Trust Company, regarding (i) the
         Standard Terms and Provisions of Sale and Servicing
         Agreement, dated July 1, 2006, between Residential Funding
         Company, LLC and HSBC Bank USA, National Association
         (incorporated by reference to Exhibit 99.6 to the Issuing
         Entity's Current Report on Form 8-K dated August 15, 2007 and
         filed with the Securities and Exchange Commission on August
         15, 2007).

  (10.7) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation and
         SunTrust Mortgage, Inc., Wells Fargo Bank, N.A., and Deutsche
         Bank National Trust Company, regarding (i) the Master
         Mortgage Loan Purchase and Servicing Agreement, dated
         November 1, 2006, between SunTrust Mortgage, Inc. and HSBC
         Bank USA, National Association (incorporated by reference to
         Exhibit 99.7 to the Issuing Entity's Current Report on Form
         8-K dated August 15, 2007 and filed with the Securities and
         Exchange Commission on August 15, 2007).

  (10.8) Assignment, Assumption and Recognition Agreement, dated as of July
         31, 2007, among HSI Asset Securitization Corporation and
         Taylor, Bean & Whitaker Mortgage Corp., Wells Fargo Bank,
         N.A., and Deutsche Bank National Trust Company, regarding (i)
         the Master Mortgage Loan Purchase and Interim Servicing
         Agreement, dated as of May 1, 2007, between Taylor, Bean &
         Whitaker Mortgage Corp. and HSBC Bank USA, National
         Association (incorporated by reference to Exhibit 99.8 to the
         Issuing Entity's Current Report on Form 8-K dated August 15,
         2007 and filed with the Securities and Exchange Commission on
         August 15, 2007).

  (10.9) Reconstituted Servicing Agreement, dated as of July 31, 2007, among
         HSI Asset Securitization Corporation and Wells Fargo Bank,
         N.A., and Deutsche Bank National Trust Company, regarding (i) the
         Servicing Agreement, dated as of June 30, 2006, between Wells
         Fargo Bank, N.A. and HSBC Bank (USA), Inc. (incorporated by
         reference to Exhibit 99.9 to the Issuing Entity's Current
         Report on Form 8-K dated August 15, 2007 and filed with the
         Securities and Exchange Commission on August 15, 2007).

  (31) Rule 13a-14(d)/15d-14(d) Certification.

  (33) Reports on assessment of compliance with servicing criteria for
       asset-backed securities.


    <TABLE>
    
      <c>

    33.1 Countrywide Home Loans Servicing LP as Servicer
    33.2 SunTrust Bank as Sub-Contractor for SunTrust Mortgage, Inc.
    33.3 SunTrust Mortgage, Inc. as Servicer
    33.4 Wells Fargo Bank, N.A. as Servicer
    33.5 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator
    33.6 Wells Fargo Bank, N.A. as Custodian
    33.7 ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc.

    </TABLE>


  (34) Attestation reports on assessment of compliance with servicing
       criteria for asset-backed securities.


    <TABLE>
    
      <c>

    34.1 Countrywide Home Loans Servicing LP as Servicer
    34.2 SunTrust Bank as Sub-Contractor for SunTrust Mortgage, Inc.
    34.3 SunTrust Mortgage, Inc. as Servicer
    34.4 Wells Fargo Bank, N.A. as Servicer
    34.5 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator
    34.6 Wells Fargo Bank, N.A. as Custodian
    34.7 ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc.

    </TABLE>


   (35) Servicer compliance statement.


    <TABLE>
    
       <c>

    35.1 Countrywide Home Loans Servicing LP as Servicer
    35.2 Wells Fargo Bank, N.A. as Servicer
    35.3 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator

    </TABLE>


   (b) Not applicable.

   (c) Omitted.



                          SIGNATURES


  Pursuant to the requirements of Section 13 or 15(d) of the Securities
  Exchange Act of 1934, the registrant has duly caused this report to be
  signed on its behalf by the undersigned, thereunto duly authorized.


   HSI Asset Loan Obligation Trust 2007-AR2
   (Issuing Entity)

   Wells Fargo Bank, N.A.
   (Master Servicer)

   /s/ John Lingenfelter
   John Lingenfelter, Vice President
   (senior officer in charge of the servicing function of the master
   servicer)


    Date:   March 28, 2008



  Exhibit Index

  Exhibit No.


   (4.1) Pooling and Servicing Agreement dated as of July 1, 2007, among HSI
         Asset Securitization Corporation, Wells Fargo Bank, N.A., and
         Deutsche Bank National Trust Company (incorporated by reference
         to Exhibit 4.1 to the Issuing Entity's Current Report on Form
         8-K dated August 15, 2007 and filed with the Securities and
         Exchange Commission on August 15, 2007).

   (10.1) Mortgage Loan Purchase Agreement dated as of July 31, 2007, between
          HSI Asset Securitization Corporation and HSBC Bank USA,
          National Association (incorporated by reference to Exhibit
          99.1 to the Issuing Entity's Current Report on Form 8-K dated
          August 15, 2007 and filed with the Securities and Exchange
          Commission on August 15, 2007).

   (10.2) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation,
          American Home Mortgage Corp. and American Home Mortgage
          Servicing, Inc., Wells Fargo Bank, N.A., and Deutsche Bank
          National Trust Company, regarding (i) the Master Mortgage
          Loan Purchase and Servicing Agreement, dated as of June 21,
          2006, between American Home Mortgage Corp., American Home
          Mortgage Servicing, Inc. and HSBC Bank USA, National
          Association (incorporated by reference to Exhibit 99.2 to the
          Issuing Entity's Current Report on Form 8-K dated August 15,
          2007 and filed with the Securities and Exchange Commission on
          August 15, 2007).

   (10.3) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation,
          American Home Mortgage Corp. and American Home Mortgage
          Servicing, Inc., Wells Fargo Bank, N.A., and Deutsche Bank
          National Trust Company, regarding (i) the Master Mortgage
          Loan Purchase and Interim Servicing Agreement, dated as of
          November 1, 2006, between American Home Mortgage Corp.,
          American Home Mortgage Servicing, Inc. and HSBC Bank USA,
          National Association (incorporated by reference to Exhibit
          99.3 to the Issuing Entity's Current Report on Form 8-K dated
          August 15, 2007 and filed with the Securities and Exchange
          Commission on August 15, 2007).

   (10.4) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation and
          American Mortgage Network, Inc., Wells Fargo Bank, N.A., and
          Deutsche Bank National Trust Company, regarding (i) the
          Seller's Purchase and Warranties Agreement, dated as of June
          1, 2007, between American Mortgage Network, Inc. and HSBC
          Bank USA, National Association (incorporated by reference to
          Exhibit 99.4 to the Issuing Entity's Current Report on Form
          8-K dated August 15, 2007 and filed with the Securities and
          Exchange Commission on August 15, 2007).

   (10.5) Assignment, Assumption and Recognition Agreement, dated as of
          July 31, 2007, among HSI Asset Securitization Corporation,
          Countrywide Home Loans, Inc. and Countrywide Home Loans Servicing
          LP, Wells Fargo Bank, N.A., and Deutsche Bank National Trust
          Company, regarding (i) the Master Mortgage Loan Purchase Agreement,
          dated as of September 1, 2006, between Countrywide Home Loans, Inc.
          and HSBC Bank USA, National Association (incorporated by reference
          to Exhibit 99.5 to the Issuing Entity's Current Report on Form 8-K
          dated August 15, 2007 and filed with the Securities and Exchange
          Commission on August 15, 2007) and (ii) the Servicing Agreement,
          dated as of September 1, 2006, between Countrywide Home Loans, Inc.
          and HSBC Bank USA, National Association (incorporated by reference
          to Exhibit 99.5 to the Issuing Entity's Current Report on Form 8-K
          dated August 15, 2007 and filed with the Securities and Exchange
          Commission on August 15, 2007).

   (10.6) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation and
          Residential Funding Company, LLC, Wells Fargo Bank, N.A., and
          Deutsche Bank National Trust Company, regarding (i) the
          Standard Terms and Provisions of Sale and Servicing
          Agreement, dated July 1, 2006, between Residential Funding
          Company, LLC and HSBC Bank USA, National Association
          (incorporated by reference to Exhibit 99.6 to the Issuing
          Entity's Current Report on Form 8-K dated August 15, 2007 and
          filed with the Securities and Exchange Commission on August
          15, 2007).

   (10.7) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation and
          SunTrust Mortgage, Inc., Wells Fargo Bank, N.A., and Deutsche
          Bank National Trust Company, regarding (i) the Master
          Mortgage Loan Purchase and Servicing Agreement, dated
          November 1, 2006, between SunTrust Mortgage, Inc. and HSBC
          Bank USA, National Association (incorporated by reference to
          Exhibit 99.7 to the Issuing Entity's Current Report on Form
          8-K dated August 15, 2007 and filed with the Securities and
          Exchange Commission on August 15, 2007).

   (10.8) Assignment, Assumption and Recognition Agreement, dated as of July
          31, 2007, among HSI Asset Securitization Corporation and
          Taylor, Bean & Whitaker Mortgage Corp., Wells Fargo Bank,
          N.A., and Deutsche Bank National Trust Company, regarding (i)
          the Master Mortgage Loan Purchase and Interim Servicing
          Agreement, dated as of May 1, 2007, between Taylor, Bean &
          Whitaker Mortgage Corp. and HSBC Bank USA, National
          Association (incorporated by reference to Exhibit 99.8 to the
          Issuing Entity's Current Report on Form 8-K dated August 15,
          2007 and filed with the Securities and Exchange Commission on
          August 15, 2007).

   (10.9) Reconstituted Servicing Agreement, dated as of July 31, 2007, among
          HSI Asset Securitization Corporation and Wells Fargo Bank,
          N.A., and Deutsche Bank National Trust Company, regarding (i) the
          Servicing Agreement, dated as of June 30, 2006, between Wells
          Fargo Bank, N.A. and HSBC Bank (USA), Inc. (incorporated by
          reference to Exhibit 99.9 to the Issuing Entity's Current
          Report on Form 8-K dated August 15, 2007 and filed with the
          Securities and Exchange Commission on August 15, 2007).

   (31) Rule 13a-14(d)/15d-14(d) Certification.

   (33) Reports on assessment of compliance with servicing criteria for
        asset-backed securities.


    <TABLE>

    
      <c>
    33.1 Countrywide Home Loans Servicing LP as Servicer
    33.2 SunTrust Bank as Sub-Contractor for SunTrust Mortgage, Inc.
    33.3 SunTrust Mortgage, Inc. as Servicer
    33.4 Wells Fargo Bank, N.A. as Servicer
    33.5 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator
    33.6 Wells Fargo Bank, N.A. as Custodian
    33.7 ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc.

    </TABLE>

   (34) Attestation reports on assessment of compliance with servicing
        criteria for asset-backed securities.


    <TABLE>

    
      <c>
    34.1 Countrywide Home Loans Servicing LP as Servicer
    34.2 SunTrust Bank as Sub-Contractor for SunTrust Mortgage, Inc.
    34.3 SunTrust Mortgage, Inc. as Servicer
    34.4 Wells Fargo Bank, N.A. as Servicer
    34.5 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator
    34.6 Wells Fargo Bank, N.A. as Custodian
    34.7 ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc.

    </TABLE>

   (35) Servicer compliance statement.


    <TABLE>

    
       <c>
    35.1 Countrywide Home Loans Servicing LP as Servicer
    35.2 Wells Fargo Bank, N.A. as Servicer
    35.3 Wells Fargo Bank, N.A. as Master Servicer and as Securities Administrator

    </TABLE>