Exhibit 33.1.2.2
[Letterhead of ZC STERLING Corporation]

Report on Assessment of Compliance with Securities and Exchange
Commission's Regulation AB Servicing Criteria

For the calendar year ending December 31 2006, or portion thereof (the
"Period"), ZC Sterling Insurance Agency, Inc. ("ZCSIA") has been a subcontractor
for Servicers identified in Appendix A.

The undersigned are Senior Vice Presidents of ZCSIA, have sufficient authority
to make the statements contained in this Assertion and are responsible for
assessing compliance with the servicing criteria applicable to ZCSIA. ZCSIA has
used the servicing criteria communicated to ZCSIA by the Servicer to assess
compliance with the applicable servicing criteria. Accordingly, servicing
criteria 1122(d)1(iv), 1122(d)2(vi), 1122(d)4(xi), 1122(d)4(xii), and
1122(d)4(xiii) are applicable to the activities performed by ZCSIA with respect
to the Platforms covered by this report. The remaining servicing criteria set
forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB
are not applicable to the activities performed by ZCSIA with respect to the
Platform covered by this report. As a subcontractor for Servicer, ZCSIA has
determined that it complied in all material respects with the servicing criteria
listed below. ZCSIA engaged Ernst & Young, LLP ("E&Y"), a registered public
accounting firm, to review ZCSIA's assessment, and E&Y has issued an attestation
report on ZCSIA's assessment of compliance with the applicable servicing
criteria for the Period.

1.      ZCSIA maintained a fidelity bond and errors & omissions policy in
effect on ZCSIA throughout the reporting period in the amount of coverage
required by the transaction agreements between the Servicer and ZCSIA (1122(d)
((1)(iv)).

2.      To the extent that ZCSIA prints checks for Servicer or otherwise has
Servicer's checks or check stock, unissued checks are safeguarded so as to
prevent unauthorized access (1122(d)(2)(vi)). [AS OF DECEMBER 31, 2006 THIS
PROVISION WILL APPLY ONLY FOR THE FOLLOWING SERVICERS: ABN Amro Mortgage Group,
Inc, Option One Mortgage Corporation, Sun Trust Mortgage, Inc., HomEq Servicing
Corporation, Wachovia Insurance Corporation, Wells Fargo Home Mortgage.

3.      Payments made on behalf of Servicer's obligor for insurance premiums
are made on or before the related penalty or expiration dates, as indicated on
the appropriate bills or notices for such payments, provided that such support
has been received by the Servicer at least thirty (30) calendar days prior to
these dates, or such other number of days specified in the transaction
agreements between Servicer and ZCSIA (1122(d)(4)(xi)).

4.      Any late payment penalties in connection with any payment for insurance
to be made on behalf of Servicer's obligor are paid from the Servicer's funds
or ZCSIA's funds and not charged to Servicer's obligor, unless the late payment
was due to the obligor's error or omission (1122(d)(4)(xii)).

5.      File(s) provided to Servicer from which Servicer may make disbursements
made on behalf of Servicer's obligor are provided to Servicer on an accurate
and timely basis and the information thereon is subject to such controls as are
specified in the transaction agreements between Servicer and ZCSIA (1122(d)(4)
(xiii)).

Sincerely,
ZC STERLING INSURANCE AGENCY, INC.

By: /s/ Arthur J. Castner
        Arthur J. Castner

Title: Senior Vice President-Hazard Operations

Date: February 20, 2007

By: /s/ James P. Novak
    James P. Novak

Title: Senior Vice President & General Counsel

Date: February 20, 2007

Appendix A

The following is a list of Clients serviced on the ZC Sterling Integrated
Product Solution (ZIPS) Platform:

1. ABM Amro Mortgage Group, Inc.
2. Dovenmuehle Mortgage, Inc.
3. HomEq Servicing Corporation
4. Option One Mortgage Corporation
5. People's Choice Home Loan, Inc.
6. Sun Trust Mortgage, Inc.
7. Wachovia Insurance Agency (and its affiliates, including Wachovia Mortgage
Corporation)
8. Wells Fargo Home Mortgage