ZC
      Sterling Corporation
                210
      Interstate North Parkway
                Suite
      400
                Atlanta,
      GA 30339
                
                Tel
      770.690.8400
                Fax
      770.690.8240
                http://www.zcsterling.com








Report
on Assessment of Compliance with Securities and Exchange


Commission’s
Regulation AB Servicing Criteria





For the
calendar year ending December 31 2007, or portion thereof (the "Period"), ZC
Real Estate Tax Solutions Limited ("ZCRETS") has been a subcontractor for
Servicers identified in Appendix A.





The
undersigned are Senior Vice President of ZCRETS, have sufficient authority to
make the statements contained in this Assertion and are responsible for
assessing compliance with the servicing criteria applicable to
ZCRETS.  ZCRETS has used the servicing criteria communicated to ZCRETS
by the Servicer to assess compliance with the applicable servicing criteria.
Accordingly, servicing criteria Item 1122 (d) (1) (iv), Item 1122 (d)(4) (xi),
Item 1122 (d) (4) (xii), Item 1122 (d) (4) (xii) and Item 1122 (d) (4) (xiii)
are applicable to the activities performed by ZCRETS with respect to the
Servicers and the Platform covered by this report. The remaining servicing
criteria set forth in Item 1122 (d) of the Securities and Exchange Commission's
Regulation AB are not applicable to the activities performed by ZCRETS with
respect to the Servicers and the Platform covered by this report. As a
subcontractor for the Servicer, ZCRETS has determined that it complied in all
material respects with the servicing criteria listed below. ZCRETS engaged Ernst
& Young, LLP ("E&Y"), a registered public accounting firm, to review
ZCRETS's assessment, and E&Y has issued an attestation report on ZCRETS's
assessment of compliance with the applicable servicing criteria for the
Period.




1. ZCRETS
maintained a fidelity bond and errors & omissions policy in effect on
ZCRETS throughout the reporting period in the amount of coverage
required by the transaction agreements between the Servicer and ZCRETS
(1122(d)(1)(iv)).
 
 2. Payments
made on behalf of Servicer's obligor for tax 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 thirty (30) calendar days prior to
these dates, or such other number of days specified in the transaction
agreements between Servicer and ZCRETS
(1122(d)(4)(xi)).
 
  3.           Any
late payment penalties in connection with any payment for tax payments to be
made on behalf of Servicer's obligor are paid from the Servicer's funds or
ZCRETS's funds and not charged to Servicer's obligor, unless the late payment
was due to the obligor's error or omission (1122(d)(4)(xii)).
 4.           File(s)
provided to Servicer from which Servicer may make the disbursements made on
behalf of Servicer's obligor are provided to Servicer on an accurate and timely
basis and the information thereon is subject to such controls as are specified
in the transaction agreements between Servicer and ZCRETS
(1122(d)(4)(xiii)).
 Sincerely,
 ZC REAL
ESTATE TAX SOLUTIONS LIMITED
   By:  
/s/ Mike
Koepke
 Mike
Koepke
   Title: 
Tax Product Line Executive
  Date: 
February 14, 2008
   By:  
/s/ James P.
Novak
 James
P. Novak
   Title:
Senior Vice President & General Counsel
  Date:
February 14, 2008




Appendix
A
 The
following is a list of Clients serviced on the ZC Tax Source (ZCTS) Platform
that do not use the check printing services of ZCRETS:
 
 1.  Green
Tree Servicing, Inc. (Arizona)
 2.  American
General Financial Services.
 3.  Option
One Mortgage Corporation