ZC
      Sterling Corporation
                  210
      Interstate North Parkway
                  Suite
      400
                  Atlanta
      GA 30339
                  
                  Tel
      770.690.8400
                  Fax
      770.690.8240
                  http://www.zcsterling.com
  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)
(4) (xi), Item 1122 (d) (4) (xii), and Item 1122 (d) (4) (xiii) of 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.           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)).
   
 
 3.           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)).
 
 4.           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 14,
2008








By:   /s/
James P.
Novak


James
P. Novak




Title: 
Senior Vice President & General Counsel




Date:  February
14, 2008











Appendix
A
 The
following is a list of Clients serviced on the ZC Sterling Automated Tracking
Solution (Tracking  System) Platform:
 1.  Eastern
Savings Bank, FSB
 2.  Midland
Mortgage Co.
 3.  Popular
Mortgage Servicing, Inc. (f/k/a Equity One, Inc.)
 4.
ResMAE Mortgage Corporation and Residential Mortgage Assistance
 Enterprise, LLC
 5.  Residential
Credit Solutions, Inc.
 6.  Wilshire
Credit Corporation
 7.  HomeBanc
Mortgage Corporation
 3