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| 1.   | Saxon Mortgage      Services Inc. ("Saxon"), as Servicer, is responsible for assessing its      compliance with the      applicable servicing criteria, as of and for the year ended December 31,      2007, under paragraph (d) of      Item 1122 of Regulation AB. Such assessment is set forth in Appendix A      hereto in connection with asset-backed      securities transactions subject to Regulation AB ("the Transactions"),      described as such on Appendix      B, involving residential mortgage loans (the      "Platform"); |
|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | Saxon      has engaged certain vendors, which are not deemed to be servicers as      defined in Item 1101(j)of Regulation      AB (the "Vendors"), to perform specific, limited or scripted activities as      of and for the period      ended December 31, 2007, and, except as otherwise noted herein, Saxon      elects to take responsibility      for assessing compliance with the servicing criteria or portion of the      servicing criteria applicable      to such Vendors as set forth in Appendix A hereto; as noted on the      attached Appendix A, criteria      1122(d)(4)(xi) and 1122(d)(4)(xii) were performed in whole or in part by      Vendors who shall provide      assertions and auditor attestations regarding their performance of the      criteria; |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.   | Except      as set forth in paragraph 4 below, Saxon used the criteria set forth in      paragraph (d) of Item 1122 of      Regulation AB to assess its compliance with the applicable servicing      criteria; |
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| 4.   | The      criteria listed in the column titled "Inapplicable Servicing Criteria" on      Appendix A hereto are inapplicable      to Saxon based on the activities it performs, directly or through its      Vendors, with respect to the      Platform; |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.   | Saxon      has complied, in all material respects, with the applicable servicing      criteria as of and for the period      ended December 31, 2007, with respect to the Platform taken as a      whole; |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  6. | Saxon      has not identified and is not aware of any material instance of      noncompliance by the Vendors with      the applicable servicing criteria, or performance of certain discrete      functions with regard to the servicing      criteria, as of and for the period ended December 31, 2007, with respect      to the Platform taken as      a whole; |
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| 7.   | Saxon      has not identified any material deficiency in its policies and procedures      to monitor the compliance      by the Vendors with the applicable servicing criteria, for the period      ended December 31, 2007,      with respect to the Platform taken as a  whole; |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.   | Deloitte      & Touche, LLP, an independent registered public accounting firm has      issued an attestation report      on Saxon's assessment of compliance with the applicable servicing criteria      as of and for the period      ended December 31,2007. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| SERVICING      CRITERIA                 | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                  | INAPPLICABLESERVICINGCRITERIA |
|-----------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------|
| Reference                               | Criteria                                                                                                                                                                                                                                                                                                                                                                                           | PerformedDirectlybySaxon      | Performed      byVendor(s)retained      bySaxon      forwhich      Saxonis      takingResponsibility | Performed      byvendor(s)retained      bySaxon      forwhich      Saxon isNOT      takingResponsibility | NOTperformed      bySaxon      or bysubservicer(s)or      vendor(s)retained      bySaxon |
| 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]I&2                    |   |   |   |
| 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]1                          |   |   |   |
| 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 of      receipt, or such other number of days specified in the transaction      agreements.                                                                                                                                         | [X]1                          |   |   |   |
| 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]3                          |   |   |   |
| 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]l&4                    |   |   |   |
| 1122(d)(2)(iv)                          | The      related accounts for the transaction, such as cash reserve accounts or      accounts established as a form of over collateralization, are separately      maintained (e.g., with respect to commingling of cash) as set forth in the      transaction agreements.                                                                                                                         | [X]l&5                    |   |   |   |
| 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 Sec. 240.13k-l(b)(l) of this      chapter. | [X]l&6                    |   |   |   |
| 1122(d)(2)(vi)                          | Unissued      checks are safeguarded so as to prevent unauthorized      access.                                                                                                                                                                                                                                                                                                                    | [X]7                          |   |   |   |

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| SERVICING      CRITERIA                 | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                        | INAPPLICABLESERVICINGCRITERIA |
|-----------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------|
| Reference                               | Criteria                                                                                                                                                                                                                                 | PerformedDirectlybySaxon      | Performed      byVendor(s)retained      bySaxon      forwhich      Saxonis      takingResponsibility | Performed      byvendor(s)retained      bySaxon      forwhich      Saxon isNOT      takingResponsibility | NOTperformed      bySaxon      or bysubservicer(s)or      vendor(s)retained      bySaxon |
| 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:                            |                          |   |   |   |
|                                    | (A)      Are mathematically accurate;                                                                                                                                                                                                    | [X]l&5                    |   |   |   |
|                                    | (B)      Are prepared within 30 calendar days after the bank statement cutoff date,      or such other number of days specified in the transaction      agreements;                                                                      | [X]l&5                    |   |   |   |
|                                    | (C)      Are reviewed and approved by someone other than the person who prepared      the reconciliation; and                                                                                                                            | [X]l&5                    |   |   |   |
|                                    | (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]l&5                    |   |   |   |
| 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;                                                                                                                        | [X]l&8                    |   |   |   |
|                                    | (B)      Provide information calculated in accordance with the terms specified in      the transaction agreements;                                                                                                                       | [X]l&8                    |   |   |   |
|                                    | (C)      Are filed with the Commission as required by its rules and regulations;      and                                                                                                                                                |                          |   |   | [X] |
|                                    | (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]l&8                    |   |   |   |
| 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]l&8                    |   |   |   |
| 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]1&8                    |   |   |   |
| 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]1&8                    |   |   |   |
| Pool      Asset Administration          |
| 1122(d)(4)(i)                           | Collateral      or security on pool assets is maintained as required by the transaction      agreements or related pool asset documents                                                                                                  | [X]1&9                    | [X]l&9 |   |   |
| 1122(d)(4)(ii)                          | Pool      assets and related documents are safeguarded as required by the      transaction agreements.                                                                                                                                   | [X]l&10                   |   |   |   |

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| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | INAPPLICABLESERVICINGCRITERIA |
|-------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | PerformedDirectlybySaxon      | Performed      byVendor(s)retained      bySaxon      forwhich      Saxonis      takingResponsibility | Performed      byvendor(s)retained      bySaxon      forwhich      Saxon isNOT      takingResponsibility | NOTperformed      bySaxon      or bysubservicer(s)or      vendor(s)retained      bySaxon |
| 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]l&ll                   |   |   |   |
| 1122(d)(4)(iv)          | Payments      on pool assets, including any payoffs, made in accordance with the related      pool asset documents are posted to the applicable 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]l                          |   |   |   |
| 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 asset (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]l                          |   |   |   |
| 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]l                          |   |   |   |
| 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]I                          |   |   |   |
| 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]l                          |   |   |   |
| 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;                                                                                                                                                                                                                                                                                                                                                          | [X]                           |   |   |   |
|                    | (B)      Interest on such funds is paid, or credited, to obligors in accordance      with applicable pool asset documents and state laws;    and                                                                                                                                                                                                                                                                                                                                                                                                       | [X]                           |   |   |   |

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| SERVICING      CRITERIA | APPLICABLESERVICING      CRITERIA                                                                                                                                                                                                                                                                                                                                                                                            | INAPPLICABLESERVICINGCRITERIA |
|-------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------|
| Reference               | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                     | PerformedDirectlybySaxon      | Performed      byVendor(s)retained      bySaxon      forwhich      Saxonis      takingResponsibility | Performed      byvendor(s)retained      bySaxon      forwhich      Saxon isNOT      takingResponsibility | NOTperformed      bySaxon      or bysubservicer(s)or      vendor(s)retained      bySaxon |
|                    | (C)      Such funds are returned to the obligor within 30 calendar days of full      repayment of the related pool asset, or such other number of days      specified in the transaction agreements.                                                                                                                                                                                                                         | [X]l                          |   |   |   |
| 1122(d)(4)(xi)          | Payments      made on behalf of an obligor (such as tax orinsurance      payments) are made on or before the relatedpenalty      or expiration dates, as indicated on the appropriatebills      or notices for such payments, provided that suchsupport      has been received by the servicer at least 30calendar      days prior to these dates, or such other number ofdays      specified in the transaction agreements, |                          |   | [X]12 |   |
| 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]12 |   |
| 1122(d)(4)(xiii)        | Disbursements      made on behalf of an obligor are postedwithin      two business days to the obligor's recordsmaintained      by the servicer, or such other number of daysspecified      in the transaction agreements.                                                                                                                                                                                                   | [X]l                          |   |   |   |
| 1122(d)(4)(xiv)         | Delinquencies,      charge-offs and uncollectible accounts arerecognized      and recorded in accordance with thetransaction      agreements.                                                                                                                                                                                                                                                                                | [X]l                          |   |   |   |
| 1122(d)(4)(xv)          | Any      external enhancement or other support, identified inItem      1114(a)( 1) through (3) or Item 1115 of thisRegulation      AB, is maintained as set forth in the transactionagreements.                                                                                                                                                                                                                              |                          |   |   | [X] |

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| 1  | As      it applies to the "Servicer" and Servicer responsibilities defined in the      transaction agreements.                                                                                                                                                 |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 2  | The      transaction agreements are reviewed by each functional area and policies      and procedures are developed to ensure compliance with agreements and      avoidance of servicer events of default, as defined in the transaction      agreements. |
| 3  | As      it applies to wires disbursed for Servicer obligations under the      transaction agreements.                                                                                                                                                          |
| 4  | Funds      advanced in accordance with the transaction    agreements.                                                                                                                                                                                          |
| 5  | As      it applies to Servicer accounts specified in the transaction      agreements.                                                                                                                                                                          |
| 6  | As      it applies to Servicer Custodial Accounts specified in the transaction      agreements.                                                                                                                                                                |
| 7  | As      it applies to checks issued by the Servicer.                                                                                                                                                                                                           |
| 8  | As      it applies to reports and remittances prepared and sent by the Servicer      pursuant to the transaction      agreements.                                                                                                                              |
| 9  | As      it applies to the Servicer's perfection of pool asset documents, in      accordance with the requirements      of the transaction agreements.                                                                                                          |
| 10 | As      it applies to the pool asset documents if and when they are in the      Servicer's possession, and in accordance with requirements of the      transaction agreements.                                                                            |
| 11 | As      it applies in instances where the Servicer is notified of an addition,      deletion or substitution to the asset pool.                                                                                                                           |
| 12 | Vendor      Assessments and their Auditor's Attestation will be provided separately      from this report.                                                                                                                                                     |

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