----

| 1.   | IndyMac      Bank, F.S.B. ("Indymac") 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 ended December 31, 2007 (the "Reporting      Period"), as set forth      in Appendix A hereto. The transactions covered by this report      these transactions collectively  referred  to   as      the  "Servicing  Platform")   include  public  asset-backed      securitization      transactions closed on or after January 1, 2006, for which Indymac acted      as servicer,      excluding any transactions sponsored or issued by government sponsored      enterprises      or Government National Mortgage Association. The Servicing Platform also      includes      other servicing contracts, the terms of which require Indymac to submit      reports in      accordance with Item 1122 of the Regulation AB. The Servicing Platform's      asset type is      single family residential mortgage loans that are not home-equity lines of      credit or reverse      mortgages and that do not receive the benefit of insurance by the Federal      Housing Administration      or guarantees from the United States Department of Veterans Affairs or      the      Rural Housing      Service; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | Indymac      has engaged certain vendors (the "Vendors") to perform specific, limited      or scripted  activities,  and  Indymac  has  elected      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, as permitted by      Interpretation 17.06      of the Securities and Exchange Commission ("SEC") Division of Corporate      Finance      Manual of Publicly Available Telephone Interpretations ("Interpretation      17.06"), except      for certain Vendors that have provided their own reports on assessment of      compliance      with the applicable servicing criteria. Indymac determined the Vendors are      not      "servicers" as defined in Item 1101(j) of Regulation AB      and asserted that it has policies      and procedures in place to provide reasonable assurance that the Vendors'      activities      comply, in all material respects, with the servicing criteria applicable      to each Vendor; |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Except      as set forth in paragraph 4 below, Indymac 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 Indymac based on the activities it performs, directly      or through its      Vendors for which Indymac has elected to take responsibility for assessing      compliance with      the applicable servicing criteria, with respect to the Servicing Platform      taken as a whole; |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | Indymac      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 Servicing      Platform taken      as a whole; |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

| 6.   | Indymac      has not identified and is not aware of any material instance of      noncompliance as of      December 31, 2007 and for the Reporting Period with respect to the      Servicing Platform      taken as a whole by the Vendors for which Indymac has elected to take      responsibility      for assessing compliance with the applicable servicing criteria; |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.   | Indymac      has not identified any material deficiency in its policies and procedures      to monitor      the  compliance by the Vendors  for which      Indymac  has elected to take responsibility      for assessing compliance, with the applicable servicing criteria as of      December      31, 2007 and for the Reporting Period with respect to the Servicing      Platform taken      as a whole; and |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.   | Ernst      & Young LLP, an independent registered public accounting firm, has      issued an attestation      report on Indymac's assessment of compliance with the applicable      servicing criteria      for the Reporting Period. |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  March      12, 2008  |   |  IndyMac      Bank, F.S.B. |   |
|---------------------------------|--------|---------------------------------|--------|
|                            | By:    | /s/ JK      Huey           |   |
|                            |   | JK      Huey                    |   |
|                            |   | Senior      Vice President      |   |
|                            |   | Home      Loan Servicing   |   |

----

----

| SERVICING      CRITERIA                 | APPLICABLE      SERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                       | INAPPLICABLE      SERVICING      CRITERIA |
|-----------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| Reference                               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                      | PerformedDirectlybyIndymac                | PerformedbyVendor(s)for      whichIndymac      istheResponsibleParty | Performed      by subservicer(s)or      vendor(s)for      whichIndymac      isNOT      the ResponsibleParty1 | NOTperformed      by Indymac orbysubservicer(s)or      vendor(s)retained      byIndymac2 |
| 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      agreements.                                                                                                                                                                                                                                       |                                      |   |   | 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 the 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.                                                                                                                                             | X3                                        | X3 |   |   |
| 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-l(b)(l) 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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | PerformedDirectlybyIndymac                | PerformedbyVendor(s)for      whichIndymac      istheResponsibleParty | Performed      by subservicer(s)or      vendor(s)for      whichIndymac      isNOT      the ResponsibleParty1 | NOTperformed      by Indymac orbysubservicer(s)or      vendor(s)retained      byIndymac2 |
| 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 by the      servicer.                                            | X4,5                                      |   |   | X4 |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X5                                        |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | X5                                        |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | Xs                                        |   |   |   |
| 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      assets and related documents are safeguarded as required by the      transaction agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                      |   |   | X |
| 1122(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.                                                                                                                                                                                                                                                                                                           | X3                                        | X3 |   |   |

----

----

| SERVICING      CRITERIA | APPLICABLE      SERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | INAPPLICABLE      SERVICING      CRITERIA |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | PerformedDirectlybyIndymac                | PerformedbyVendor(s)for      whichIndymac      istheResponsibleParty | Performed      by subservicer(s)or      vendor(s)for      whichIndymac      isNOT      the ResponsibleParty1 | NOTperformed      by Indymac orbysubservicer(s)or      vendor(s)retained      byIndymac2 |
| 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.                                                                                                                                                                                                                                                                                                      | X6                                        | X6 |   |   |
| 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 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 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.                                                                                                                                                                                                        | X7                                        | X7 | X7 |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                              | X7                                        | X7 |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                             | X7                                        | X7 |   |   |
| 1122(d)(4)(xiv)         | Delinquencies,      charge-offs and uncollectible accounts are recognized and recorded in      accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | X                                         |   |   |   |

----

----

|                       |                                                                                                                                                                                            |                       | INAPPLICABLE                                                         |
|----------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------|----------------------------------------------------------------------|
|                       | APPLICABLE                                                                                                                                                                                      | SERVICING                  |
| SERVICING      CRITERIA    | SERVICING      CRITERIA                                                                                                                                                                         | CRITERIA                   |
| Reference                  | Criteria                                                                                                                                                                                        | PerformedDirectlybyIndymac | PerformedbyVendor(s)for      whichIndymac      istheResponsibleParty | Performed      by subservicer(s)or      vendor(s)for      whichIndymac      isNOT      the ResponsibleParty1 | NOTperformed      by Indymac orbysubservicer(s)or      vendor(s)retained      byIndymac2 |
|        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 |

----

----

----