Exhibit 34.5

PROVIDENT FUNDING

A Mortgage Lending Company

MANAGEMENT REPORT ON ASSESSMENT OF COMPLIANCE
WITH SERVICING CRITERIA

Management of Provident Funding Associates, L.P. (the Company) is
responsible for assessing the compliance with the servicing criteria set forth in paragraph (d) of Regulation AB, Item 1122 applicable to it enumerated in Appendix A. Management used the criteria in paragraph (d) of Item 1122 to
assess the compliance with the applicable servicing criteria.

With respect to servicing criteria 1122(d)(2)(i), management has engaged a vendor to perform
the activities required by this servicing criteria. The Companys management has determined that this vendor is not considered a servicer as defined in Item 1101(j) of Regulation AB, and the Companys management has
elected to take responsibility for assessing compliance with the servicing criteria applicable to this vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations
(Interpretation 17.06). As permitted by Interpretation 17.06, management has asserted that it has policies and procedures in place to provide reasonable assurance that the vendors activities comply in all material respects with the
servicing criteria applicable to the vendor. The Companys management is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendor and related criteria.

Based on this assessment, management believes, that as of and for year ending December 31, 2007, Provident Funding Associates, L.P. has complied in all material
respects with all applicable servicing criteria enumerated in Appendix A.

Moss Adams LLP, a registered independent public accounting firm, has issued an
attestation report on managements assessment of compliance with the applicable servicing criteria as of and for the year December 31, 2007 dated February 20, 2008.



|                                       
|---------------------------------------
|Provident Funding Associates, L.P.     
|                                       
|/s/ Craig Pica                         
|Craig Pica, President                  
|                                       
|/s/ Michelle Blake                     
|Michelle Blake, Chief Financial Officer
|                                       
|/s/ Tim Green                          
|Tim Green, Servicing Operations Manager



1633 Bayshore Hwy. Suite 155, Burlingame, CA 94010 (650) 652-1300 FAX (650) 652-1350



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| |  |  |  |  |  |                                     |  | 
| |  |  |  |  |  | ----------------------------------- |  | 
| |  |  |  |  |  | PROVIDENT FUNDING ASSOCIATES, L.P. 
| |  |  |  |  |  | ___________________________________
| |  |  | 
| |  |  |  |  |  | Attestation Report of Independent  
| |  |  | 
| |  |  |  |  |  | Registered Public Accounting Firm  
| |  |  | 
| |  |  |  |  |  | December 31, 2007                  



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[LETTERHEAD OF MOSS ADAMS LLP]

CERTIFIED PUBLIC ACCOUNTANTS / BUSINESS CONSULTANTS

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Regulation AB ITEM 1122 Single Family Servicing Platform

To the Partners of

Provident Funding Associates, L.P.:

We have examined the accompanying Managements Assertion On Compliance with Applicable Regulations AB Servicing Criteria (Managements Assertion) that Provident Funding Associates, L.P. (the
Company) has complied with the applicable servicing criteria in Item 1122(d) of the Securities and Exchange Commissions Regulation AB for the single family residential mortgage loan servicing platform (Servicing Platform) as
defined in Managements Assertion as enumerated in Appendix A, as of and for the year ended December 31, 2007. Management is responsible for the Companys compliance with the applicable servicing criteria. Our responsibility is to
express an opinion on managements assertion about the Companys compliance based on our examination.

Our examination was conducted in
accordance with attestation standards of the Public Company Accounting Oversight Board (United States) and, accordingly, included examining, on a test basis, evidence about the Companys compliance with the applicable servicing criteria (as
specified in Appendix A) for the Servicing Platform and performing such other procedures as we considered necessary in the circumstances. Our examination included testing of less than all of the individual servicing transactions and compliance
activities related to the Servicing Platform and evaluating whether the Company processed those transactions and performed those activities in compliance with applicable servicing criteria. We believe that our examination provides a reasonable basis
for our opinion. Our examination does not provide a legal determination on the Companys compliance with applicable servicing criteria.

As described
in managements assertion included in the accompanying Appendix A, for servicing criteria 1122 (d)(2)(i), the Company has engaged a vendor to perform the activities required by this servicing criteria. The Company has determined that this
vendor is not considered a servicer as defined in Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criteria applicable to the vendor as permitted by
Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations (Interpretation 17.06). As permitted by Interpretation 17.06, the Company has asserted that it has policies and
procedures in place designed to provide reasonable assurance that the vendors activities comply in all material respects with the servicing criteria applicable to the vendor. The Company is solely responsible for determining that it meets the
SEC requirements to apply Interpretation 17.06 for the vendor and related criteria as described in its assertion, and we performed no procedures with respect to the Companys eligibility to apply Interpretation 17.06.



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[Letterhead of Moss Adams LLP]

Certified Public Accountants / Business Consultants

In our opinion, managements assertion that the Company complied with applicable
servicing criteria as enumerated in Appendix A as of and for the year ended December 31, 2007, is fairly stated, in all material respects.



|                         
|-------------------------
|/s/ Moss Adams LLP       
|                         
|San Francisco, California
|February 20, 2008        



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[Letterhead of Moss Adams LLP]

Certified Public Accountants / Business Consultants

APPENDIX A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                      |  |                                                                            |  |                                                                                                   |  |                                                                                                  
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------ |  | -------------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------- |  | -------------------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLE SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                   |  | INAPPLICABLESERVICING CRITERIA      
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                        |  | Performed DirectlybyProvidentFunding |  | Performed by Vendor(s)for which Provident Funding is the Responsible Party |  | Performed by subservicer(s) or vendor(s) for which Provident Funding is NOT the Responsible Party |  | NOT performed by Provident Funding or by subservicer(s) or vendor(s)retained by Provident Funding
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                      | 
|                   |  | 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.                                                                                                                                 |  |                                      |  | X1                                                                         |  |                                                                                                   |  |                                                                                                  
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                      | 
|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-1(b)(1) of the Securities Exchange Act. |  | X                                    |  |                                                                            |  |                                                                                                   |  |                                                                                                  
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                 |  |                                      | 
|1122(d)(2)(vi)     |  | Unissued checks are safeguarded so as to prevent unauthorized access.                                                                                                                                                                                                                                                                                                           |  | X                                    |  |                                                                            |  |                                                                                                   |  |                                                                                                  



|1 | Performed by Regulus Group LLC
|- | ------------------------------



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[Letterhead of Moss Adams LLP]

Certified Public Accountants / Business Consultants

APPENDIX A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                      |  |                                                                     |  |                                                                                           |  |                                                                                          
|------------------ |  | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------ |  | ------------------------------------------------------------------- |  | ----------------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |  | INAPPLICABLESERVICING CRITERIA      
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  | Performed DirectlybyProvidentFunding |  | PerformedbyVendor(s)for whichProvidentFunding istheResponsibleParty |  | Performed bysubservicer(s)or vendor(s)for whichProvidentFunding isNOT theResponsibleParty |  | NOTperformed byProvidentFunding
orbysubservicer(s)or vendor(s)retained byProvidentFunding
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |  |                                      | 
|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.                                            |  |                                      |  |                                                                     |  |                                                                                           |  | X                                                                                        
|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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  |                                      |  |                                                                     |  |                                                                                           |  | 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 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.                                                                                                                                                                                                                                                                                   |  | 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                                    |  |                                                                     |  |                                                                                           |  |                                                                                          



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[Letterhead of Moss Adams LLP]

Certified Public Accountants / Business Consultants

APPENDIX A



|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |                                      |  |                                                                     |  |                                                                                           |  |                                                                                          
|------------------ |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |  | ------------------------------------ |  | ------------------------------------------------------------------- |  | ----------------------------------------------------------------------------------------- |  | -----------------------------------------------------------------------------------------
|SERVICING CRITERIA |  | APPLICABLESERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |  | INAPPLICABLESERVICING CRITERIA      
|Reference          |  | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |  | Performed DirectlybyProvidentFunding |  | PerformedbyVendor(s)for whichProvidentFunding istheResponsibleParty |  | Performed bysubservicer(s)or vendor(s)for whichProvidentFunding isNOT theResponsibleParty |  | NOTperformed byProvidentFunding
orbysubservicer(s)or vendor(s)retained byProvidentFunding
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |                                      | 
|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 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.                                                                                                                                                                                             |  | X                                    |  |                                                                     |  |                                                                                           |  |                                                                                          
|                   |  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |  |                                      | 
|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.                                                                                                                                                                                                                                                                                                                                                         |  | 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                                                                                        



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