10-K/A

                               UNITED STATES
                    SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                FORM 10-K/A

                              Ammendment No.2


[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the fiscal year ended  December 31, 2006
                          -----------------------------------------------

                                    or

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934

For the transition period from                    to
                              -------------------    --------------------


Commission file number of issuing entity  333-131136-17
                                         -------------------

                   Citigroup Mortgage Loan Trust 2006-HE3
- -------------------------------------------------------------------------
          (Exact name of issuing entity as specified in its charter)


Commission file number of registrant  333-138237
                                     -------------------

                     Citigroup Mortgage Loan Trust Inc.
- -------------------------------------------------------------------------
          (Exact name of registrant as specified in its charter)


                    Citigroup Global Markets Realty Corp.
- -------------------------------------------------------------------------
          (Exact name of sponsor as specified in its charter)



       Delaware                                     01-0791848
- ------------------------------          ---------------------------------
State or other jurisdiction of                   (I.R.S. Employer
incorporation or organization                   Identification No.)

 390 Greenwich Street, 14th Floor, New York, New York         10013
- -------------------------------------------------------------------------
(Address of principal executive offices)                       (Zip Code)


Registrant's telephone number, including area code  (212) - 816 - 6000
                                                  -----------------------


This Annual Report on Form 10-K/A omits to disclose the Assessment of
Compliance with Servicing Criteria set forth in Item 1122(d) of
Regulation AB and the Attestation Report of Union Bank of California,
N.A. required by Rule 15d-18 of the Securities Exchange Act of 1934,
as amended.


Securities registered pursuant to Section 12(b) of the Act:   NONE.

     Title of each class                     Name of each exchange of
                                                which registered


- ----------------------------------      ---------------------------------

- ----------------------------------      ---------------------------------


        Securities registered pursuant to section 12(g) of the Act:  None.


- -------------------------------------------------------------------------
                              (Title of class)


- -------------------------------------------------------------------------
                              (Title of class)

Indicate by check mark if the registrant is a well-known seasoned issuer,
as defined in Rule 405 of the Securities Act.

                      Yes                       No   X
                          -------                  -------

Indicate by check mark if the registrant is not required to file reports
pursuant to Section 13 or Section 15(d) of the Act.

                      Yes                       No   X
                          -------                  -------

Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period
that the registrant was required to file such reports), and (2) has been
subject to such filing requirements for the past 90 days.

                      Yes   X                   No
                          -------                  -------

Indicate by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K (229.405 of this chapter) is not contained herein,
and will not be contained, to the best of registrant's knowledge, in
definitive proxy or information statements incorporated by reference in Part
III of this Form 10-K or any amendment to this Form 10-K.     X
                                                           -------

Indicate by check mark whether the registrant is a large accelerated filer,
an accelerated filer, or a non-accelerated filer. See definition of
"accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange
Act. (Check one):

Large accelerated filer      Accelerated filer      Non-accelerated filer X
                       ----                   ----                       ----

Indicate by check mark whether the registrant is a shell company (as defined
in Rule 12b-2 of the Act).

                      Yes                       No   X
                          -------                  -------

State the aggregate market value of the voting and non-voting common equity
held by non-affiliates computed by reference to the price at which the
common equity was last sold, or the average bid and asked price of such
common equity, as of the last business day of the registrant's most recently
completed second fiscal quarter.

   Not Applicable


                      DOCUMENTS INCORPORATED BY REFERENCE

List hereunder the following documents if incorporated by reference and the
Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document
is incorporated: (1) Any annual report to security holders; (2) Any proxy or
information statement; and (3) Any prospectus filed pursuant to Rule 424(b)
or (c) under the Securities Act of 1933. The listed documents should be
clearly described for identification purposes (e.g., annual report to
security holders for fiscal year ended December 24, 1980).

None



This Amendment No. 2 to the Annual Report on Form 10-K filed with the
Securities and Exchange Commission on April 2, 2007 (Accession No. 0001382887-
07-000001) by Citigroup Mortgage Loan Trust 2006-HE3 (the "Initial 10-K"), for
the fiscal year ended December 31, 2006, is being filed for the sole purpose
of restating the assessment of American Security Insurance Company, Standard
Guaranty Insurance Company and TrackSure Insurance Agency, Inc. (the
"Asserting Party") for the reporting period of January 1, 2006 through
December 31, 2006.  The restated assessment, provided to the registrant in
February 2008, identifies a material instance of noncompliance with the
servicing criteria set forth in Item 1122(d)(4)(xii) under Regulation AB.
Specifically, the Asserting Party did not have, during the applicable
reporting period, sufficient policies and procedures to capture the
information with respect to the Platform Transactions necessary to determine
compliance with Item 1122(d)(4)(xii).  In response to a Securities and
Exchange Commission comment, as of January 1, 2008, the Asserting Party
has implemented practices and procedures to capture the information necessary
to assess compliance with Item 1122(d)(4)(xii).


                                    PART I


Item 1. Business.

Not Applicable.


Item 1A. Risk Factors.

Not Applicable.


Item 1B. Unresolved Staff Comments.

None.


Item 2. Properties.

Not Applicable.


Item 3. Legal Proceedings.

There were no legal proceedings


Item 4. Submission of Matters to a Vote of Security Holders.

There were no matters submitted to a vote of the Security Holders


                                    PART II

Item 5. Market for Registrant's Common Equity, Related Stockholder Matters
and Issuer Purchases of Equity Securities.

No established public trading market for the Certificates exist.  There
are approximately 33 holders of record as of the end of the reporting
year.


Item 6. Selected Financial Data.

Not Applicable.


Item 7. Management's Discussion and Analysis of Financial Condition and
Results of Operation.

Not Applicable.


Item 7A. Quantitative and Qualitative Disclosures About Market Risk.

Not Applicable.


Item 8. Financial Statements and Supplementary Data.

Not Applicable.


Item 9. Changes in and Disagreements With Accountants on Accounting and

Not Applicable.


Item 9A. Controls and Procedures.

Not Applicable.


Item 9B. Other Information.

On March 1, 2007, the servicing of the Mortgage Loans transferred from
New Century Mortgage Corporation to Wells Fargo Bank, N.A., in
accordance with the terms of the Pooling and Servicing Agreement.


                                     PART III

Item 10. Directors, Executive Officers and Corporate Governance.

Not Applicable.


Item 11. Executive Compensation.

Not Applicable.


Item 12. Security Ownership of Certain Beneficial Owners and Management and

Not Applicable.


Item 13. Certain Relationships and Related Transactions, and Director
Independence.

Not Applicable.


Item 14. Principal Accounting Fees and Services.

Not Applicable.


      Substitute Information Provided in Accordance
        with General Instruction J(2) to Form 10-k


Item 1112(b) of Regulation AB. Significant Obligor Financial Information

  No Applicable Updates.


Item 1114(b)(2) and 1115(b) of Regulation AB. Credit Enhancement and
Other Support.

  No Applicable Updates


Item 1117 of Regulation AB.  Legal Proceedings.

DOL Investigation.  On August 2, 2004, the U.S. Department of Labor, Wage and
Hour  Division, or DOL, informed New Century Mortgage Corporation ("New Century
Mortgage"), an indirect wholly owned subsidiary of New Century Financial
Corporation (the "Company"), that it is conducting an investigation to
determine whether New Century Mortgage is in compliance with the Fair Labor
Standards Act, or FLSA.  The DOL narrowed the scope of its investigation to
overtime compensation paid to retail loan officers in an Irvine, California
operation.  New Century Mortgage believes it is in compliance with the FLSA and
that it properly pays overtime wages.  In April 2005, New Century Mortgage
provided requested documents and awaits a response from the DOL.

Rubio.  In March 2005, Daniel J. Rubio, a former retail loan officer of New
Century Mortgage, filed a class action complaint against New Century Mortgage
in the Superior Court of Orange County, California.  The complaint alleges
failure to pay overtime wages, failure to provide meal and rest periods, and
that New Century Mortgage engaged in unfair business practices in violation of
the California Labor Code.  The complaint seeks recovery of unpaid wages,
interest, and attorneys' fees and costs.  New Century Mortgage filed a motion
to strike and demurrer to the complaint in May 2005. On July 8, 2005, the court
overruled the demurrer and granted the motion to strike.  A First Amended
Complaint was filed in July 2005 and New Century Mortgage filed its answer in
August 2005.  In December 2005, New Century Mortgage filed a motion to strike
portions of the complaint, which was granted in New Century Mortgage's favor,
limiting the statute of limitations for plaintiff's meal and rest period claims
to one year.  The court reconsidered and reversed its ruling in May 2006.  A
Second Amended Complaint was filed by plaintiff, adding a cause of action for
failure to pay overtime in violation of the FLSA.  In July 2006, mediation
occurred, followed by New Century Mortgage's removal of the case to the United
States District Court, Central District of California in August 2006.  In
September 2006, the court granted New Century Mortgage's motion to strike,
limiting the statute of limitations for plaintiff's meal and rest period claims
to one year.  Plaintiff's Third Amended Complaint was filed in October 2006.
In December 2006, the Court granted New Century Mortgage's motion to strike the
punitive damages allegations from the plaintiff's Third Amended Complaint and
denied New Century Mortgage's motion to dismiss the sixth cause of action for
alleged wage statement violations.  In December 2006, the parties stipulated
to plaintiff filing a Fourth Amended Complaint adding plaintiffs John Hicks
and David Vizcarra.

Bonner.  In April 2005, Perrie Bonner and Darrell Bruce filed a class action
lawsuit against New Century Mortgage and Home123 Corporation, an indirect
wholly owned subsidiary of the Company ("Home123") in the U.S. District Court,
Northern District of Indiana, Hammond Division, alleging violations of the Fair
Credit Reporting Act, or FCRA, claiming that New Century Mortgage and Home123
accessed consumer credit reports without authorization because the prescreened
offers of credit did not qualify as firm offers of credit.  New Century
Mortgage and Home 123 filed their answer to the complaint on June 30, 2005.  In
September 2005, plaintiffs filed a motion for class certification and on
November 1, 2005, New Century Mortgage and Home123 filed a motion for judgment
on the pleadings.  The court never ruled on the motion for judgment on the
pleadings.  In August 2006, the court granted plaintiffs' motion for class
certification.  The class size is limited to the Northern District of Indiana.
On December 13, 2006, the court heard oral argument in Indiana on the parties'
summary judgment motions.  On March 9, 2007, the court ruled on the motion for
summary judgment that defendants' solicitation did not constitute a "firm offer
of credit", and ruled that plaintiff Bonner's claim that the disclosure was not
"clear and conspicuous" was moot.  On March 12, 2007, this action settled on a
class-wide basis (Northern District of Indiana).  On March 16, 2007, the
parties moved for preliminary approval of the settlement.  The court has not
yet ruled on the motion.

Phillips.  In July 2005, Pamela Phillips filed a class action lawsuit against
the Company, New Century Mortgage and Home123 in the District Court, Central
District of California.  Plaintiff alleges violations of FCRA, claiming that
the Company, New Century Mortgage and Home123 accessed consumer credit reports
without authorization because the prescreened offers of credit did not qualify
as firm offers of credit.  The case also alleges that certain disclosures were
not made in a clear and conspicuous manner.  The complaint seeks damages of not
more than $1,000 for each alleged violation, declaratory relief, injunctive
relief, attorneys' fees and costs.  The Company, New Century Mortgage and
Home123 filed a motion to dismiss certain claims in October 2005.  In November
2005, the court granted the motion to dismiss, in part.  In early March 2006,
the court, on its own motion, reversed its prior ruling on the motion to
dismiss citing the 7th Circuit Court of Appeals recent decision in the Murray
v. GMAC Mortgage Corporation case.  On November 14, 2006, plaintiff filed a
Motion for Class Certification proposing that the class be limited to all
individuals throughout Harris County, Texas whose consumer reports were
obtained or used by New Century Mortgage or Home123 in connection with a credit
transaction not initiated by them and who received the same written
solicitation to entered into a credit transaction received by plaintiff.  In
late December 2006, plaintiff filed a Third Amended Complaint to limit the
class size to Harris County, Texas.  On January 22, 2007, the Company, New
Century Mortgage and Home123 filed their Opposition to Plaintiff's Motion for
Class Certification.  On January 31, 2007, the Company, New Century Mortgage
and Home123 filed a Motion to Stay.  On February 22, 2007, the court denied
the Motion to Stay.  On March 11, 2007, this action settled.  The parties
agreed to dismissal with prejudice of individual claims and dismissal without
prejudice of claims of putative class members.

Jeppesen.  In October 2005, Patricia and Stephen Jeppesen filed a class action
lawsuit against New Century Mortgage in the U.S. District Court, Northern
District of Indiana. Plaintiffs allege that New Century Mortgage violated the
Indiana High Cost Loan Act by allegedly making loans with fees greater than
permitted by law unless certain disclosures are made.  The class is defined as
all persons who obtained a mortgage loan from New Century Mortgage after
January 1, 2005 on their principal residence in Indiana.  A second claim in the
complaint alleges that New Century Mortgage improperly charged a document
preparation fee.  On January 12, 2007, the Office of the Attorney General,
State of Indiana, issued a no-action letter and, in response to a letter dated
September 19, 2005 from plaintiff's counsel about alleged violations of the
Indiana Home Loan Practices Statute, concluded its inquiry and declined to take
any action against New Century Mortgage.  In February 2007, the parties reached
a settlement on an individual basis.  On February 14, 2007, the court entered
an order dismissing this case and approving the Stipulation of Dismissal.

Forrest.  In January 2006, Mary Forrest filed a class action lawsuit against
New Century Mortgage in the U.S. District Court for the Eastern District of
Wisconsin, Milwaukee Division.  Plaintiff alleges violations of FCRA, claiming
that New Century Mortgage accessed prescreened credit reports without
authorization because the offers of credit allegedly did not qualify as firm
offers of credit.  The proposed class consists of persons with Wisconsin
addresses to whom New Century Mortgage sent a particular prescreened offer of
credit after November 20, 2004.  In February 2006, New Century Mortgage filed
both its answer and a motion to transfer the case to the U.S. District Court
for the Central District of California.  In June 2006, the court granted New
Century Mortgage's motion to transfer and ordered the case transferred from the
U.S. District Court in Wisconsin to the U.S. District Court, Central District
of California.  In July 2006, New Century Mortgage filed a Notice of Related
Case to consolidate this matter with the Phillips class action.  On March 11,
2007, this action settled.  On March 20, 2007, a stipulation for dismissal of
individual claims dismissed with prejudice and claims of putative class members
dismissed without prejudice was filed with the court.

Securities Class Action Litigation

On February 8, 2007, Avi Gold filed a securities class action complaint in the
United States District Court for the Central District of California against the
Company and certain of its directors and officers (the "Original Complaint").
The Original Complaint alleges that defendants violated federal securities laws
by issuing false and misleading statements and failing to disclose material
facts about the Company, which resulted in artificially inflated market prices
of the Company's common stock.  The purported class period is between April 7,
2006 and February 7, 2007.  The Original Complaint seeks money damages in favor
of its purported class of purchasers of the Company's securities, the costs and
expenses of the action and other relief that may be granted by the court.
The Company has also learned that seventeen additional purported class actions
were filed in the United States District Court for the Central District of
California between February 8, 2007 and March 16, 2007.  These complaints, some
of which the Company has not yet been served with and which name the Company
and certain of its officers and directors as defendants, present in large
degree the same legal and factual issues as the Original Complaint and allege
various class periods, the longest of which is from April 7, 2006 to March 2,
2007.  One of these class actions has been brought on behalf of the holders of
the Company's 9.125% Series A Cumulative Redeemable Preferred Stock ("Series A
Preferred Stock") and the holders of the Company's 9.75% Series B Cumulative
Redeemable Preferred Stock ("Series B Preferred Stock").  Another of these
class actions has been brought on behalf of the holders of the Company's Series
B Preferred Stock.  The Company anticipates that similar actions on behalf of
holders of the Company's common stock, Series A Preferred Stock and Series B
Preferred Stock may be filed in the future and does not undertake any
obligation to update this disclosure for any similar or related claims that
may be made in this regard.  The Company intends to review the allegations in
these complaints and respond appropriately.  The Company's management intends
to vigorously defend these claims; however, an unfavorable outcome in these
cases or future securities class action cases could have a material adverse
effect on the Company's financial condition.

Shareholder Derivative Complaint

The Company was served with a shareholder derivative complaint on March 1,
2007, filed in the Superior Court of California, County of Orange.  The
complaint alleges breach of fiduciary duty, abuse of control, gross
mismanagement, waste of corporate assets, unjust enrichment, and violations of
California Corporations Code 25402 and seeks damages for breach, disgorgement,
equitable relief, costs and fees.  The case is in the very preliminary stages.
The Company has also learned that five additional shareholder derivative
actions were filed in the Superior Court of California, County of Orange
between February 8, 2007 and March 16, 2007 and two additional shareholder
derivative actions were filed in the United States District Court for the
Central District of California during this same time period.  These complaints,
some of which the Company has not yet been served with and which name the
Company and certain of its officers and directors as defendants, present in
large degree the same legal and factual issues as the original shareholder
derivative complaint.  The Company anticipates that similar actions may be
filed in the future and does not undertake any obligation to update this
disclosure for any similar or related claims that may be made in this regard.
The Company intends to review the allegations in these complaints and respond
appropriately.

U.S. Attorney's Office Investigation

On February 27, 2007, the Company received a letter from the United States
Attorney's Office for the Central District of California (the "U.S. Attorney's
Office") indicating that it was conducting a criminal inquiry under the federal
securities laws in connection with trading in the Company's securities, as well
as accounting errors regarding the Company's allowance for repurchase losses.
The Company has subsequently received a grand jury subpoena requesting
production of certain documents.  The Company intends to cooperate with the
requests of the U.S. Attorney's Office.

SEC Investigation

On March 7, 2007, the Company received a letter from the Pacific Regional
Office of the Securities and Exchange Commission (the "SEC") requesting that
NCFC preserve certain documents.  On March 12, 2007, the Company received a
letter from the staff of the Pacific Regional Office of the SEC stating that
the staff was conducting a preliminary investigation involving the Company and
requesting production of certain documents. The staff of the SEC had also
previously requested a meeting with the Company to discuss the events leading
up to the Company's previous announcement of the need to restate certain of
its historical financial statements.  The Company intends to cooperate with
the requests of the SEC.

State Regulatory Actions

The Company has been engaged in recent ongoing discussions with its state
regulators regarding the Company's funding constraints and the impact on
consumers who are in various stages of the loan origination process with the
Company.  The Company has advised these regulators that it has ceased accepting
loan applications.  In addition, the Company has advised these regulators that
at this time, the Company and its subsidiaries are unable to fund any mortgage
loans, including mortgage loans for those consumers who were already in the
loan origination process with the Company.  The Company has been and is
continuing to work cooperatively with these regulators to mitigate the impact
on the affected consumers, including transferring pending loans and loan
applications to other mortgage lenders.  The Company has also been providing
daily reports to its various regulators regarding the status of loans in
process in their states, as well as responding to ad hoc information requests.

The Company received cease and desist orders from the States of Massachusetts,
New Hampshire, New Jersey and New York on March 13, 2007 (collectively, the
"March 13 Orders").  New Century Mortgage additionally received a Suspension
Order from the state of New York on March 13, 2007 (the "NCMC Suspension
Order").  The NCMC Suspension Order suspends New Century Mortgage's mortgage
banking license in the State of New York for a period not to exceed 30 days,
pending investigation.  On March 14 and 15, 2007, the Company received
additional cease and desist orders from the States of Connecticut, Maryland,
Rhode Island and Tennessee (collectively, the "March 14-15 Orders").  The March
13 Orders and the March 14-15 Orders contain allegations that certain of the
Company's subsidiaries have engaged in violations of applicable state law,
including, among others, failure to fund mortgage loans after closing.
Additionally, on March 14, 2007, New Century Mortgage and Home123 entered into
a Consent Agreement and Order with the Commonwealth of Pennsylvania Department
of Banking, Bureau of Supervision and Enforcement (the "Pennsylvania Consent
Agreement").

The March 13 Orders, the March 14-15 Orders and the Pennsylvania Consent
Agreement restrain the Company's subsidiaries from taking certain actions,
including, among others, engaging in alleged violations of state law and
taking new applications for mortgage loans in the relevant jurisdiction.  The
March 13 Orders, the March 14-15 Orders and the Pennsylvania Consent Agreement
also compel the subsidiaries to affirmatively take certain actions, including
the creation of escrow accounts to hold any upfront fees collected in
connection with pending mortgage applications, the transfer to other lenders
of the outstanding mortgage applications and unfunded mortgage loans held by
the subsidiaries, and the provision of regular information to the state
regulators regarding the subsidiaries' activities in the applicable state,
including the status of all outstanding mortgage applications and unfunded
mortgage loans in that state.  The cease and desist order received from the
Rhode Island Department of Business Regulation on March 14 suspends the
licenses of one or more of the Company's subsidiaries and seeks to assess
administrative penalties.

The Company and its subsidiaries requested hearings on the cease and desist
orders issued by regulators in Maryland, Massachusetts, Connecticut and Rhode
Island on March 23, 2007, and in Tennessee on March 27, 2007.

On March 14, 2007, the Attorney General of Ohio and the Ohio Department of
Commerce, Division of Financial Institution (together, the "State") filed a
lawsuit against the Company, New Century Mortgage and Home123 (collectively,
the "Defendants") on March 14, 2007 in Ohio state court (the "Ohio Complaint").
The Ohio Complaint alleges that the Company has engaged in violations of
applicable state law, including, among others, failure to fund mortgage loans
after closing.  Also on March 14, 2007, the court granted the State's motion
to enter a temporary restraining order, which was subsequently modified by the
court on March 16, 2007, against the Defendants (as modified, the "TRO").  The
TRO restrained the Defendants from taking certain actions, including, among
others, (i) engaging in violations of state law, (ii) soliciting applicants
and taking new applications for mortgage loans in Ohio and (iii) initiating,
prosecuting or enforcing foreclosure actions in Ohio.  The TRO required the
parties to confer with respect to restrictions regarding foreclosure action
and the sale, transfer or assignment of loans more than 60 days delinquent.
On March 26, 2007, the Defendants filed a Motion for Dissolution of Modified
Temporary Restraining Order and Motion for an Emergency Hearing, and
Opposition to a Preliminary Injunction.  On March 28, 2007, the Defendants and
the State reached agreement on a Stipulated Preliminary Injunction effective
for 90 days and submitted it for court approval.  The Stipulated Preliminary
Injunction replaces the TRO and provides for a stay of the litigation for 90
days.  The Stipulated Preliminary Injunction restrains the Defendants from
taking certain actions, including, among others, engaging in alleged
violations of state law and taking new applications for mortgage loans.  The
Stipulated Preliminary Injunction also compels the Defendants to take certain
actions, including the transfer to other lenders of any outstanding mortgage
applications and unfunded mortgage loans, the placement in escrow of any
upfront fees collected in connection with pending mortgage applications, and
the provision of regular information to the State regarding the Company's
activities in Ohio, including the status of all outstanding mortgage
applications and unfunded mortgage loans.  The Stipulated Preliminary
Injunction also requires the Defendants to submit certain loans (and related
information) as to which it intends to foreclose to the State for the State to
review.  The State may object to the Company proceeding with a particular
foreclosure and if the Company is unable to convince the State to permit it to
proceed, the foreclosure will not proceed for the duration of the Stipulated
Preliminary Injunction.  The Stipulated Preliminary Injunction also provides
for the State to review and object to the Defendants selling, transferring or
assigning certain loans that are more than 60 days delinquent.

On March 16, 2007, the Company received additional cease and desist orders
from the State of California (the "California Orders") and certain of the
Company's subsidiaries entered into consent agreements with the State of
Florida's Office of Financial Regulation and the State of Washington's
Department of Financial Institutions, respectively, each dated March 16, 2007
(the "March 16 Agreements" and together with the California Orders, the "March
16 Orders and Consent Agreements").

The March 16 Orders and Consent Agreements contain allegations that certain of
the Company's subsidiaries have engaged in violations of state law, including,
among others, failure to fund mortgage loans after closing.  The March 16
Orders and Consent Agreements restrain the Company's subsidiaries from taking
certain actions, including, among others, engaging in alleged violations of
state law and taking new applications for mortgage loans in the relevant
jurisdiction.  The March 16 Orders and Consent Agreements also compel the
subsidiaries to affirmatively take certain actions, including the creation of
escrow accounts to hold any upfront fees collected in connection with  pending
mortgage applications, the transfer to other lenders of the outstanding
mortgage applications and unfunded mortgage loans held by the subsidiaries,
and the provision of regular information to the state regulators regarding the
subsidiaries' activities in the applicable state, including the status of all
outstanding mortgage applications and unfunded mortgage loans in that state.

On March 16, 2007, Home123 received a suspension order (the "Home123 Suspension
Order") from the State of New York Banking Department.  The Home123 Suspension
Order  contains allegations similar to those included in the NCMC Suspension
Order and further provides that Home123's mortgage banking license in the State
of New York has been suspended for a period not exceeding 30 days, pending
investigation.  The Company and Home123 are reviewing the Home123 Suspension
Order and accordingly have not yet determined whether they will appeal all or
any portion of the Home123 Suspension Order.

On March 20, 2007, the Company entered into a Combined Statement of Charges
and Consent Order with the State of Iowa and a Consent Agreement and Order
with the State of Maine Office of Consumer Credit Regulation, Department of
Professional and Financial Regulation (together, the "March 20 Orders").  On
March 21, 2007, the Company entered into a Consent Order with the State of
Michigan, Department of Labor & Economic Growth, Office of Financial and
Insurance Services and a Consent Order with the State of Wyoming Banking
Commission (the "March 21 Orders").  On March 23, 2007, the Company entered
into a Consent Agreement and Order with the State of Idaho Department of
Finance (the "March 23 Order").  Similar to the consent agreements described
above, the March 20, 21 and 23 Orders contain allegations that certain of the
Company's subsidiaries have engaged in violations of state law, including,
among others, failure to fund mortgage loans after closing.  They restrain the
Company's subsidiaries from taking certain actions, including, among others,
engaging in alleged violations of state law and taking new applications for
mortgage loans in the relevant jurisdiction.  They also compel the
subsidiaries to affirmatively take certain actions, including the creation of
escrow accounts to hold any upfront fees collected in connection with pending
mortgage applications, the transfer to other lenders of the outstanding
mortgage applications and unfunded mortgage loans held by the subsidiaries,
and the provision of regular information to the state regulators regarding the
subsidiaries' activities in the applicable state, including the status of all
outstanding mortgage applications and unfunded mortgage loans in that state.

The Company anticipates that cease and desist orders will continue to be
received by the Company and its subsidiaries from additional states in the
future and that the Company and its subsidiaries may enter into additional
consent agreements similar to those described above.  The Company does not
undertake, and expressly disclaims, any obligations to update this disclosure
for any such additional cease and desist orders or consent agreements or for
any developments with respect to any of the state regulatory actions described
herein.

The Company intends to continue to cooperate with its regulators in order to
mitigate the impact on consumers resulting from the Company's funding
constraints.

Recent Developments

On April 2, 2007, New Century and certain other of the Registrant's
affiliates (the "Debtors") filed voluntary petitions (the "Bankruptcy
Filings") for reorganization (the "Reorganization Cases") under chapter 11 of
the United States Bankruptcy Code (the "Bankruptcy Code") in the United
States Bankruptcy Court for the District of Delaware (the "Bankruptcy
Court").  The Reorganization Cases are being jointly administered by the
Honorable Kevin J. Carey under the caption "In re New Century TRS Holdings,
Inc., et al., Case No. 07-10416."  The Debtors will continue to operate their
businesses as "debtors-in-possession" under the jurisdiction of the
Bankruptcy Court and in accordance with the applicable provisions of the
Bankruptcy Code and orders of the Bankruptcy Court.

Further, on April 2, 2007, New Century Financial Corporation ("NCFC")
and New Century, which is NCFC's indirect wholly-owned subsidiary, entered
into an Asset Purchase Agreement (the "Servicing Assets Agreement") with
Carrington Capital Management, LLC (in which NCFC holds an ownership
interest) and its affiliate (collectively, "Carrington") for the sale of its
servicing assets and servicing platform to Carrington for approximately $139
million.  The consummation of the transaction is subject to approval by the
Bankruptcy Court, which will oversee an "overbid" process to give other
potential buyers an opportunity to submit higher and better offers, and other
customary closing conditions.


Item 1119 of Regulation AB.  Affiliation and Certain Relationships and
Related Transactions.

  No Applicable Updates


Item 1122 of Regulation AB.  Compliance with Applicable Servicing Criteria.

  See Item 15(a) exhibits (33) and (34).

Wells Fargo Bank. N.A. ("Wells Fargo") acknowledges the
following material
instances of non-compliance with the applicable servicing
criteria:

1. 1122(d)(3)(i) - Delinquency Reporting. For certain loans
sub-serviced by Wells Fargo or for which servicing rights were
acquired on a bulk-acquisition basis, Wells Fargo determined
that it provided incomplete data to some third parties who use
such data to calculate delinquency ratios and determine the
status of loans with respect to bankruptcy, foreclosure or real
estate owned. The incomplete reporting only affected
securitizations that included delinquent loans. Instead of the
actual due date being provided for use in calculating
delinquencies, the date of the first payment due to the security
was provided. Wells Fargo subsequently included additional data
in the monthly remittance reports, providing the actual borrower
due date and unpaid principal balance, together with
instructions to use these new fields if such monthly remittance
reports are used to calculate delinquency ratios.

2. 1122 (d)(4)(vii) - Notification of Intent to Foreclose. Wells
Fargo determined that, as required by certain servicing
agreements, it did not provide investors with prior notification
of intent to foreclose. While investors received monthly
delinquency status reports that listed loans in foreclosure,
such reports were received after such loans had been referred to
an attorney. A new process is being implemented to send such
notifications if contractually required, unless an investor opts
out in writing.


     New Century (the "Servicer") has identified the following
material noncompliance with servicing criteria 1122(d)(1)(ii),
1122(d)(1)(iv), 1122(d)(2)(vii)(B), 1122(d)(4)(vi) and 1122(d)
(4)(vii) applicable to the Platform during the year ended
December 31, 2006 as follows:

Servicing criteria 1122(d)(1)(ii)

The Servicer did not have adequate policies and procedures in
place to monitor the material servicing activities outsourced to
the third party performing the initial processing of cash
receipts at the lockbox.

Servicing criteria 1122(d)(1)(iv)

The Servicer did not maintain adequate fidelity bond coverage.

Servicing criteria 1122(d)(2)(vii)(B)

The Servicer did not complete bank account reconciliations
within the time required.

Servicing criteria 1122(d)(4)(vi)

The Servicer did not review and approve changes to the terms or
status of an obligor's pool asset as required by the respective
transaction agreements and related pool asset documents.

Servicing criteria 1122(d)(4)(vii)

The Servicer did not:

   Initiate, conduct and conclude loss mitigation or recovery
   actions within time frames or other requirements of
   the respective transaction agreements;

   Execute forbearance plans as required by the respective
   transaction agreements;

   Execute pre-foreclosure sales or short payoffs resulting from
   the acceptance of funds in an amount that is less than the
   total borrower indebtedness as required by the respective
   transaction agreements; and

   Execute foreclosures as required by the respective
   transaction agreements.


First American Real Estate Solutions of Texas, L,P. (an indirect
subsidiary of The First American Corporation, and the "Asserting
Party") assessed its compliance with the Applicable Servicing
Criteria for the Reporting Period and has identified a material
instance of noncompliance with the servicing criterion set forth
in Section 229.1122(d)(2)(vii)(B) of the CFR with respect to the
Platform. Specifically, the Asserting Party did not prepare
reconciliations for all asset-backed securities related bank
accounts within 30 calendar days after the bank statement cut-off
date or such number of days specified in the transaction
agreements.


This report on Form 10-K/A omits the Item 1122 attestation report
(the "Attestation Report") required by Regulation AB for Union Bank of
California, N.A. ("Union Bank"), New Century Mortgage Corporation's
vendor that is responsible for the initial processing of cash receipts
at the lockbox that is applicable to servicing criteria 1122(d)(2)(i)
and 1122(d)(4)(iv).


The original report on Form 10-K for this issuing entity
included as Exhibit 33(g) an Assessment of Compliance from New
Century Mortgage Corporation (the "Original Assessment of
Compliance"), which stated that it covered a specified list of
securitizations, which did not include CMLTI 2006-NC1, CMLTI
2006-NC2 and CMLTI 2006-HE3 (the "Citigroup Transactions"). The
Registrant has been advised by New Century Mortgage Corporation
that the Original Assessment of Compliance addressed the
platform consisting of all securitizations as to which it is a
party participating in the servicing function that were subject
to Regulation AB, other than the Citigroup Transactions, and
that the Citigroup Transactions were omitted from the platform
solely because New Century Mortgage Corporation was only
servicing the pooled assets for a short period of time, pending
the expiration of its obligations as interim servicer and
related transfer of servicing in accordance with the terms of
the transaction documents.

Attached hereto as Exhibit 33(g) is a revised Assessment of
Compliance from New Century Mortgage Corporation (the "Revised
Assessment of Compliance"), which states that it covers a specified
list of securitizations, including all securitizations covered by
the Original Assessment of Compliance, plus the Citigroup
Transactions.

Attached hereto as Exhibit 34(o) is an Attestation
Report of a registered public accounting firm, that relates
to the previously filed Original Assessment of Compliance from
New Century Mortgage Corporation.  This Attestation Report
specifies instances of material noncompliance with
the applicable servicing criteria, and states that it cannot
express an opinion as to compliance with the servicing criteria.

The Registrant has requested that New Century request its
accounting firm to provide a revised Attestation Report covering
the Citigroup Transactions, but the Registrant has not yet
received such revised Attestation Report.  New Century is
contractually obligated to provide the Registrant with an
Attestation Report covering the Citigroup Transactions by one or
more registered public accounting firms.  New Century is in
breach of those obligations. The Registrant has been informed by
senior management of New Century that a revised Attestation
Report covering the Citigroup Transactions will not be
delivered on or prior to the 10-K/A filing deadline.

New Century is not an affiliate of the Registrant.

The Registrant cannot obtain a revised Attestation Report
covering the Citigroup Transactions from New Century through any
other steps available to it without unreasonable effort or expense.


Item 1123 of Regulation AB.  Servicer Compliance Statement.

  See Item 15(a) exhibits (35).


                                     PART IV

Item 15. Exhibits, Financial Statement Schedules.

  (a) Exhibits

     (4)    Pooling and Servicing Agreement, dated as of December 1,
            2006, among Citigroup Mortgage Loan Trust, Inc., as Depositor,
            Wells Fargo Bank, N.A., JP Morgan Chase Bank N. A., Ocwen Loan
            Servicing LLC and Countrywide Home Loans Servicing LP as
            Servicers, Citibank, N.A., as Trust Administrator, and U.S.
            Bank, N.A., as Trustee (incorporated herein by reference from
            Exhibit 4.1 of the current report on Form 8-K of the Registrant
            as filed with the Securities and Exchange Commission on
            January 24, 2007).

      (10)  Incorporated by reference as Exhibit 4.

      (31)  302 Sarbanes-Oxley Certification.

      (33)  Item 1122(a) Reports on assessment of compliance with
            servicing criteria for asset backed securities.
            (a)  Chase Home Finance LLC., as SubServicer
            (b)  Citibank N.A., as Trust Administrator
            (c)  Citibank N.A., as Custodian
            (d)  JP Morgan Chase Bank National Association, as Servicer
            (e)  Ocwen Loan Servicing LP, as Servicer
            (f)  Wells Fargo Bank N.A., as Servicer
            (g)  New Century, as interim Servicer
            (h)  Wells Fargo Bank, N.A. as Custodian
            (i)  Assurant Inc., as vendor for Ocwen Loan Servicing LP
            (j)  Regulus Group LLC, as vendor for Ocwen Loan Servicing LP
                 and Wells Fargo Bank N.A.
            (k)  First American Real Estate Solutions of Texas, L.P., as
                 vendor for Ocwen Loan Servicing LP
            (l)  ZC Sterling Insurance Agency, Inc., as vendor for Wells
                 Fargo Bank N.A.
            (m)  Assurant Inc., as vendor for New Century
            (n)  Deutsche Bank National Trust Company, as vendor for
                 New Century
            (o)  FIS Tax Service, as vendor for New Century

      (34)  Item 1122(b) Attestation Report on Assessment of Compliance
            with Servicing Criteria for Asset Backed Securities.
            (a)  Chase Home Finance LLC., as SubServicer
            (b)  Citibank N.A., as Trust Administrator
            (c)  Citibank N.A., as Custodian
            (d)  JP Morgan Chase Bank National Association, as Servicer
            (e)  Ocwen Loan Servicing LP, as Servicer
            (f)  Wells Fargo Bank N.A., as Servicer
            (g)  Wells Fargo Bank, N.A. as Custodian
            (h)  Assurant Inc., as vendor for Ocwen Loan Servicing LP
            (i)  Regulus Group LLC, as vendor for Ocwen Loan Servicing LP
                 and Wells Fargo Bank N.A.
            (j)  First American Real Estate Solutions of Texas, L.P., as
                 vendor for Ocwen Loan Servicing LP
            (k)  ZC Sterling Insurance Agency, Inc., as vendor for Wells
                 Fargo Bank N.A.
            (l)  Assurant Inc., as vendor for New Century
            (m)  Deutsche Bank National Trust Company, as vendor for
                 New Century
            (n)  FIS Tax Service, as vendor for New Century
            (o)  New Century, as interim Servicer

      (35)  Servicer Compliance Statement.
            (a)  Chase Home Finance LLC., as SubServicer
            (b)  JP Morgan Chase Bank National Association, as Servicer
            (c)  Ocwen Loan Servicing LP, as Servicer
            (d)  Wells Fargo Bank N.A., as Servicer
            (e)  New Century, as interim Servicer

  (b) The exhibits filed in response to Item 601 of Regulation S-K are listed
      in the Exhibit Index above.

  (c) Not Applicable.



                                    SIGNATURES


Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

(Registrant)     Citigroup Mortgage Loan Trust Inc.
            -----------------------------------------------------------------

By /s/ Susan Mills
      -----------------------------------------------------
       Susan Mills
       Vice President
       (Senior officer in charge of securitization of the Depositor)


Date   June 13, 2008
      -----------------------------------------------------

EX-31

                                 Certifications

I, Susan Mills, certify that:

1.     I have reviewed this report on Form 10-K/A and all reports on Form 10-D
       required to  be filed in respect of the period covered by this report
       on Form 10-K/A of Citigroup Mortgage Loan Trust 2006-HE3 (the "Exchange
       Act periodic reports");

2.     Based on my knowledge, the Exchange Act periodic reports, taken as a
       whole, do not contain any untrue statement of a material fact or omit
       to state a material fact necessary to  make the statements made, in
       light of the circumstances under which such statements were made, not
       misleading with respect to the period covered by this report;

3.     Based on my knowledge, all of the distribution, servicing and other
       information required to be provided under Form 10-D for the period
       covered by this report is included in the Exchange Act periodic
       reports;

4.     Based on my knowledge and the servicer compliance statement required in
       this report under Item 1123 of Regulation AB, and except as disclosed
       in the Exchange Act periodic reports, the servicer has fulfilled its
       obligations under the servicing agreement in all material respects; and

5.     All of the reports on assessment of compliance with servicing criteria
       for asset-backed securities and their related attestation reports on
       assessment of compliance with servicing criteria for asset-backed
       securities required to be included in this report in accordance with
       Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18
       have been included as an exhibit to this report, except as otherwise
       disclosed in this report. Any material instances of noncompliance
       described in such reports have been disclosed in this report on Form
       10-K/A.

      In giving the certifications above, I have reasonably relied on
information provided to me by the following unaffiliated parties: Wells Fargo
Bank, N.A., Ocwen Loan Servicing, LLC, JPMorgan Chase Bank, National
Association and New Century Mortgage Corporation.

Date: June 13, 2008


/s/ Susan Mills
- ---------------------------------
Susan Mills
Vice President
(Senior officer in charge of securitization of the Depositor)

EX-33.A

                              CHASE
                                                          CHF - Subprime


    Management's Report on Assessment of Compliance with
              Applicable Servicing
Criteria


Chase Home Finance LLC (the "Asserting Party") is responsible for
assessing compliance as of December 31, 2006 and for the period from
January 1, 2006 through December 31, 2006 (the "Reporting Period"), with
the servicing criteria set forth in Title 17, Section 229.1122(d) of the
Code of Federal Regulations (the "CFR"), excluding the inapplicable
servicing criteria as set forth in Exhibit A hereto (such criteria,
after giving effect to the exclusions identified on Exhibit A, the
"Applicable Servicing Criteria"). This report covers the asset-backed
securities transactions backed by subprime residential mortgages
serviced on the Loan Servicing and Accounting Management System I
("LSAMS I") where the related asset-backed securities were outstanding
during the Reporting Period (the "Platform").

The Asserting Party has engaged certain vendors (the "Vendors") to
perform specific and limited activities or activities scripted by the
Asserting Party as of and during the Reporting Period, and the Asserting
Party elects to take responsibility for assessing compliance with the
Applicable Servicing Criteria or portion of the servicing criteria
applicable to such Vendors as set forth in Exhibit A hereto (such
criteria, the "Applicable Vendor Servicing Criteria").

The Asserting Party (i) has not identified and is not aware of any
material instance of noncompliance by the Vendors with the Applicable
Vendor Servicing Criteria and (ii) has not identified any material
deficiency in its policies and procedures to monitor the compliance by
the Vendors with the Applicable Vendor Servicing Criteria as of December
31, 2006 and for the Reporting Period.

The Asserting Party (i) has used the criteria set forth in 17 CFR
229.1122(d) to assess the compliance by the Asserting Party with the
Applicable Servicing Criteria for the Reporting Period and (ii) has
concluded that the Asserting Party has complied, in all material
respects, with the Applicable Servicing Criteria as of December 31, 2006
and for the Reporting Period with respect to the Platform, taken as a
whole.

PricewaterhouseCoopers LLP, an independent registered public accounting
firm, has issued an attestation report for the Platform on our
assessment of compliance with the Applicable Servicing Criteria as of
December 31, 2006 and for the Reporting Period as set forth in this
report.


Chase Home Finance LLC

Signed:/s/ Kim Greaves                     Signed:/s/ Jim Miller
- ----------------------------               --------------------------
Name: Kim Greaves                          Name: Jim Miller
Title: Senior Vice President               Title: Senior Vice President
Date: 02/26/2007                           Date: 02/26/2007










                                                      CHF - Subprime

EXHIBIT A





- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                  Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Policies and procedures are instituted to monitor any                 X(1)
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                     X            X(2)
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor          X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash           X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured           X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized         X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all               X            X(3)
                  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
1122(d)(2)(vii)   the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   The Asserting Party monitors events of default as obligated pursuant to
      the transaction agreements.

(2)   An affiliate vendor deposits funds from customer transactions to a
      lockbox clearing account.

(3)   Two vendors prepare account reconciliations on disbursement clearing
      accounts.



                                                      CHF - Subprime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Reports to investors, including those to be filed with the            X(4)
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                X(5)
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two               X(6)
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                X(7)
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as                                                X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                                                   X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in            X
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------

(4)   The Asserting Party provides monthly pool accounting reports to the
      appropriate party pursuant to the transaction agreements.

(5)   The Asserting Party remits amounts to the appropriate party pursuant
      to the transaction agreements.

(6)   Disbursements made to the appropriate party pursuant to the transaction
      agreements are posted within two business days to the Asserting Party's
      records, or such other number of days specified in the transaction
      agreements.

(7)   The Asserting Party reconciles its records relating to disbursements
      made to the appropriate party pursuant to the transaction agreements.





                                                      CHF - Subprime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Loss mitigation or recovery actions (e.g., forbearance plans,         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage         X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as             X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                 X          X(8)
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment             X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                 X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are             X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                           X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------

(8)   Three vendors provide information used by the Asserting Party to
      pay taxes and insurance on behalf of obligors.











                              CHASE
                                                      CHF - Prime

    Management's Report on Assessment of Compliance with Applicable
                      Servicing Criteria


Chase Home Finance LLC (the "Asserting Party") is responsible for
assessing compliance as of December 31, 2006 and for the period from
January 1, 2006 through December 31, 2006 (the "Reporting Period"), with
the servicing criteria set forth in Title 17, Section 229.1122(d) of the
Code of Federal Regulations (the "CFR"), excluding the inapplicable
servicing criteria as set forth in Exhibit A hereto (such criteria,
after giving effect to the exclusions identified on Exhibit A, the
"Applicable Servicing Criteria"). This report covers the asset-backed
securities transactions backed by prime residential mortgages serviced
on the Real Estate ("RE") servicing system where the related asset-backed
securities were outstanding during the Reporting Period (the
"Platform").

The Asserting Party has engaged certain vendors (the "Vendors") to
perform specific and limited activities or activities scripted by the
Asserting Party as of and during the Reporting Period, and the Asserting
Party elects to take responsibility for assessing compliance with the
Applicable Servicing Criteria or portion of the servicing criteria
applicable to such Vendors as set forth in Exhibit A hereto (such
criteria, the "Applicable Vendor Servicing Criteria").

The Asserting Party (i) has not identified and is not aware of any
material instance of noncompliance by the Vendors with the Applicable
Vendor Servicing Criteria and (ii) has not identified any material
deficiency in its policies and procedures to monitor the compliance by
the Vendors with the Applicable Vendor Servicing Criteria as of December
31, 2006 and for the Reporting Period.

The Asserting Party (i) has used the criteria set forth in 17 CFR
229.1122(d) to assess the compliance by the Asserting Party with the
Applicable Servicing Criteria for the Reporting Period and (ii) has
concluded that the Asserting Party has complied, in all material
respects, with the Applicable Servicing Criteria as of December 31, 2006
and for the Reporting Period with respect to the Platform, taken as a
whole.

PricewaterhouseCoopers LLP, an independent registered public accounting
firm, has issued an attestation report for the Platform on our
assessment of compliance with the Applicable Servicing Criteria as of
December 31, 2006 and for the Reporting Period as set forth in this
report.


Chase Home Finance LLC

Signed:/s/ Kim Greaves                Signed:/s/ Jim Miller
- ---------------------------           ---------------------------
Name: Kim Greaves                     Name: Jim Miller
Title: Senior Vice President          Title: Senior Vice President
Date: 02/26/2007                      Date: 02/26/2007





                                                      CHF - Prime

                          EXHIBIT A





- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                  Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Policies and procedures are instituted to monitor any                 X(1)
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                     X            X(2)
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor          X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash           X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured           X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized         X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all               X            X(3)
                  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
1122(d)(2)(vii)   the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   The Asserting Party monitors events of default as obligated pursuant to
      the transaction agreements.

(2)   An affiliate vendor deposits funds from customer transactions to a
      lockbox clearing account.

(3)   Two vendors prepare account reconciliations on disbursement clearing
      accounts.



                                                      CHF - Prime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Reports to investors, including those to be filed with the            X(4)
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                X(5)
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two               X(6)
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                X(7)
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as                                                X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                                                   X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in            X
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorized personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------

(4)   The Asserting Party provides monthly pool accounting reports to the
      appropriate party pursuant to the transaction agreements.

(5)   The Asserting Party remits amounts to the appropriate party pursuant
      to the transaction agreements.

(6)   Disbursements made to the appropriate party pursuant to the transaction
      agreements are posted within two business days to the Asserting Party's
      records, or such other number of days specified in the transaction
      agreements.

(7)   The Asserting Party reconciles its records relating to disbursements
      made to the appropriate party pursuant to the transaction agreements.





                                                      CHF - Prime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Loss mitigation or recovery actions (e.g., forbearance plans,         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage         X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as             X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                 X          X(8)
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment             X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                 X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are             X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                           X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------

(8)   Two vendors provide information used by the Asserting Party to pay
      taxes and insurance on behalf of obligors.











                              CHASE



Chase Home Finance LLC
3415 Vision Drive
Columbus, OH 43219






       Authorized Signatures for Chase Home Finance LLC Annual
                       Compliance Reporting:



/s/Kim Greaves                       2/26/07
- ------------------------             --------------------------
Kim Greaves                          Date
Senior Vice President


/s/Jim Miller                        2/23/07
- ------------------------             --------------------------
Jim Miller                          Date
Senior Vice President

EX-33.B

                  Management's Assertion of Compliance

Management of the Agency and Trust division of Citibank, N.A. (the "Company")
is responsible for providing this platform-level assessment of compliance with
the servicing criteria specified in Item 1122(d) of Regulation AB promulgated
by the Securities and Exchange Commission.

Management has determined that the following servicing criteria are applicable
in regards to the platform for the following period:

Platform: publicly-issued (i.e., transaction-level reporting initially
required under the Securities Exchange Act of 1934, as amended) residential
mortgage-backed securities, automobile loan or lease-backed securities and
student loan-backed securities issued on or after January 1, 2006, for which
the Company provides the following servicing functions (the "Platform"):

      - paying agent, securities administration and trustee; or
      - securities administration and paying agent; or
      - paying agent and trustee; or
      - paying agent.

Applicable Servicing Criteria: All servicing criteria set forth in Item
1122(d), to the extent required by the Item 1122(d) servicing criteria in
regards to the activities performed by the Company with respect to the
Platform as to any transaction, excluding the following servicing criteria:
1122(d)(1)(i), 1122(d)(1)(iii), 1122(d)(I)(iv), 1122(d)(2)(iii). 1122(d)(4)
(i), 1122(d)(4)(ii) and 1122(d)(4)(iv) through 1122(d)(4)(xiv), (the
"Applicable Servicing Criteria").

Period: Twelve months ended December 31, 2006 (the "Period").

With respect to the Platform, the Company's management provides the following
assessment of compliance with respect to the Applicable Servicing Criteria:

    - The Company's management is responsible for assessing the Company's
      compliance with the Applicable Servicing Criteria as of and for the
      Period.

    - The Company's management has assessed compliance with the Applicable
      Servicing Criteria as of and for the Period. In making this assessment,
      management used the criteria set forth by the Securities and Exchange
      Commission in paragraph (d) of Item 1122 of Regulation AB.

    - Based on such assessment, as of and for the Period, the Company has
      complied, in all material respects, with the Applicable Servicing
      Criteria.

KPMG LLP, a registered public accounting firm, has issued an attestation
report with respect to management's assertion of compliance with the
Applicable Servicing Criteria as of and for the Period.

                              Citibank,N.A.
                              By:/s/Jeffrey Volk
                              -----------------------------
                              Jeffrey Volk

                              Its: Managing Director
                              -----------------------------

                              Dated: February 28, 2007
                                    -----------------------

EX-33.C

citibank                                          Citibank, N.A.
                                                  Citibank Custodial Operations
                                                  5280 Corporate Drive
                                                  MC0052
                                                  Frederick, MD 21740


     Management Assessment of Compliance with Applicable Servicing Criteria

1. Citibank, N.A., (the "Custodian") is responsible for assessing compliance
   with the servicing criteria applicable to it under paragraph (d) of Item
   1122 of Regulation AB, as set forth in Exhibit A hereto, in connection with
   the servicing of residential mortgage loans for which the Custodian
   performs a custodial servicing function pursuant to a custodial agreement
   with Citigroup Mortgage Loan Trust Inc. for post December 31, 2005
   transactions ("the Platform"), as of and for the year ended December 31,
   2006;

2. Except as set forth in paragraph 3 below, the Custodian used the criteria
   set forth in paragraph (d) of Item 1122 of Regulation AB to assess the
   compliance with the applicable servicing criteria as of and for the year
   ended December 31, 2006;

3. All criteria on Exhibit A hereto are inapplicable to the Custodian based or
   the activities it performs with respect to asset-backed securities
   transactions, except for 1122(d)(4)(i) and 1122(d)(4)(ii);

4. The Custodian has complied, in all material respects, with the applicable
   servicing criteria as of and for the year ended December 31, 2006;

5. KPMG LLP, a registered public accounting firm, has issued an attestation
   report on the Custodian's assessment of compliance with the applicable
   servicing criteria as of and for the year ended December 31, 2006.


March 19, 2007


    By: /s/ Herb Gover
    ------------------
    Name:  Herb Gover
    Title: Executive Vice President, North American Consumer Asset Operations






                                    EXHIBIT A




- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable                     Inapplicable
                                                                                Servicing  Criteria                 Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Performed by
                                                                                    Performed      Vendor(s) for
                                                                                     Directly      which Custodian
                                                                                       by          is Responsible
  Reference                          Criteria                                       Custodian(2)      Party(3)
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Policies and procedures are instituted to monitor any                                                  X
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                                                 X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect                                           X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                                                      X
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor                                           X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash                                            X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                                                 X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured                                            X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized                                          X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   Check only criteria that Servicer neither performs nor takes
      responsibilty for the performance of a Vendor.

(2)   If checked, describe in footnote any portion of the applicable
      criterion that is not performed by the Servicer (because performed by
      Vendor or performed by another servicing function participant). See
      footnotes to Exhibit A at end of document.

(3)   If checked, describe in footnote the portion of the applicable
      criterion (if less than all) that is performed by the Vendor. See
      footnotes to Exhibit A at end of document.






- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable                     Inapplicable
                                                                                Servicing  Criteria                 Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Performed by
                                                                                    Performed      Vendor(s) for
                                                                                     Directly      which Custodian
                                                                                       by          is Responsible
  Reference                          Criteria                                       Custodian(2)      Party(3)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Reconciliations are prepared on a monthly basis for all                                                X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                  Reports to investors, including those to be filed with the                                             X
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                                                 X
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two                                                X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                                                 X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as             X(i)
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                X(ii)
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool                                             X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in                                             X
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree                                              X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------








- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable                     Inapplicable
                                                                                Servicing  Criteria                 Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Performed by
                                                                                    Performed      Vendor(s) for
                                                                                     Directly      which Custodian
                                                                                       by          is Responsible
  Reference                          Criteria                                       Custodian(2)      Party(3)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Changes with respect to the terms or status of an obligor's                                            X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,                                          X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during                                           X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage                                          X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as                                              X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                                                  X
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment                                              X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                                                  X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are                                              X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                          X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------


- ----------

               Footnotes to Exhibit A

(i)   The custodian is required to safeguard the mortgage file and control the
      release of the related file.
(ii)  The custodian is required to safeguard the mortgage file and control the
      release of the related file.

EX-33.D

                                CHASE                      JPMCB-Subprime

    Management's Report on Assessment of Compliance with Applicable Servicing
                               Criteria


JPMorgan Chase Bank, National Association (the "Asserting Party") is
responsible for assessing compliance as of December 31, 2006 and for the period
from January 1, 2006 through December 31, 2006 (the "Reporting Period"), with
the servicing criteria set forth in Title 17, Section 229.1122(d) of the Code
of Federal Regulations (the "CFR"), excluding the inapplicable servicing
criteria as set forth in Exhibit A hereto (such criteria, after giving effect
to the exclusions identified on Exhibit A, the "Applicable Servicing
Criteria"). This report covers the asset-backed securities transactions backed
by subprime residential mortgages serviced on the Loan Servicing and Accounting
Management System I. ("LSAMS I") where the related asset-backed securities were
outstanding during the Reporting Period (the "Platform").

The Asserting Party (i) has used the criteria set forth in 17 CFR 229.1122(d) to
assess the compliance by the Asserting Party with the Applicable Servicing
Criteria for the Reporting Period and (ii) has concluded that the Asserting
Party has complied, in all material respects, with the Applicable Servicing
Criteria as of December 31, 2006 and for the Reporting Period with respect to
the Platform, taken as a whole.

PricewaterhouseCoopers LLP, an independent registered public accounting firm,
has issued an attestation report for the Platform on our assessment of
compliance with the Applicable Servicing Criteria as of December 31, 2006 and
for the Reporting Period as set forth in this report.


JPMorgan Chase National Association

Signed: /s/ David Lowman
        ----------------
Name:  David Lowman
Title: Executive Vice President
Date:  02/26/2007



                                                           JPMCB - Subprime
                                   EXHIBIT A



- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Policies and procedures are instituted to monitor any                 X(1)
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                                                      X
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor                                           X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash                                            X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                                                 X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured                                            X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized                                          X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all                                                X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   The Asserting Party monitors events of default as obligated pursuant
      to the transaction agreements.





                                                           JPMCB - Subprime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                               Investor Remittances and Reporting
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Reports to investors, including those to be filed with the                                            X
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                                                X
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two                                               X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                                                X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as             X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in                                            X
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree                                             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's                                           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,                                         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during                                          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------




                                                           JPMCB - Subprime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Adjustments to interest rates or rates of return for mortgage                                         X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as                                             X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                                                 X
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment                                             X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                                                 X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are                                             X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                         X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------




                                CHASE                      JPMCB - Prime

    Management's Report on Assessment of Compliance with Applicable Servicing

                               Criteria


JPMorgan Chase Bank, National Association (the "Asserting Party") is responsible
for assessing compliance as of December 31, 2006 and for the period from January
1, 2006 through December 31, 2006 (the "Reporting Period"), with the servicing
criteria set forth in Title 17, Section 229.1122(d) of the Code of Federal
Regulations (the "CFR"), excluding the inapplicable servicing criteria as set
forth in Exhibit A hereto (such criteria, after giving effect to the exclusions
identified on Exhibit A, the "Applicable Servicing Criteria"). This report
covers the asset-backed securities transactions backed by prime residential
mortgages serviced on the Real Estate ("RE") servicing system where the related
asset-backed securities were outstanding during the Reporting Period (the
"Platform").

The Asserting Party (i) has used the criteria set forth in 17 CFR 229.1122(d)
to assess the compliance by the Asserting Party with the Applicable Servicing
Criteria for the Reporting Period and (ii) has concluded that the Asserting
Party has complied, in all material respects, with the Applicable Servicing
Criteria as of December 31, 2006 and for the Reporting Period with respect to
the Platform, taken as a whole.

PricewaterhouseCoopers LLP, an independent registered public accounting firm,
has issued an attestation report for the Platform on our assessment of
compliance with the Applicable Servicing Criteria as of December 31, 2006 and
for the Reporting Period as set forth in this report.


JPMorgan Chase Bank, National Association

Signed: /s/ David Lowman
        ----------------
Name:  David Lowman
Title: Executive Vice President
Date:  02/26/2007




                                                              JPMCB - Prime
                                   EXHIBIT A



- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Policies and procedures are instituted to monitor any                 X(1)
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                                                      X
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor                                           X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash                                            X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                                                 X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured                                            X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized                                          X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all                                                X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   The Asserting Party monitors events of default as obligated pursuant
      to the transaction agreements.





                                                              JPMCB - Prime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                               Investor Remittances and Reporting
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Reports to investors, including those to be filed with the                                            X
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                                                X
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two                                               X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                                                X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as             X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in                                            X
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree                                             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's                                           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,                                         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during                                          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------




                                                              JPMCB - Prime


- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                               Applicable Servicing              Inapplicable
                                                                                      Criteria                      Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                              
                  Adjustments to interest rates or rates of return for mortgage                                          X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as                                              X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                                                  X
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment                                              X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                                                  X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are                                              X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                          X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------







                               CHASE

Chase Home Finance LLC
3415 Vision Drive
Columbus, OH 43219


      Authorized Signature for JPMorgan Chase NA Annual Compliance Reporting:


/s/ David Lowman                               2/22/07
- ------------------                         -------------
David Lowman                               Date
Executive Vice-President

EX-33.E

                             O C W E N


      Certification Regarding Compliance with Applicable
                       Servicing Criteria


I.    Ocwen Loan Servicing, LLC ("Ocwen") is responsible for assessing
      compliance with the servicing criteria applicable to it under paragraph
      (d) of Item 1122 of Regulation AB, as of and for the 12-month period
      ending December 31, 2006 (the "Reporting Period"), as set forth in
      Appendix A hereto. The transactions covered by this report include
      assetbacked securities transactions for which Ocwen acted as servicer
      involving residential mortgage loans other than transactions closing
      prior to the effective date of Regulation AB (the "Platform") as set
      forth in Appendix B hereto;

2.    Ocwen has engaged certain vendors (the "Vendors") to perform specific,
      limited or scripted activities, and Ocwen elects to take responsibility
      for assessing compliance with the servicing criteria or portion of the
      servicing criteria applicable to such Vendors' activities as set forth
      in Appendix A hereto;

3.    Except as set forth in paragraph 4 below, Ocwen used the criteria set
      forth in paragraph (d) of Item 1122 of Regulation AB to assess the
      compliance with the applicable servicing criteria;

4.    The criteria listed in the column titled "Inapplicable Servicing
      Criteria" on Appendix A hereto are inapplicable to Ocwen based on the
      activities it performs, directly or through its Vendors, with respect
      to the Platform;

5.    Ocwen has complied, in all material respects, with the applicable
      servicing criteria as of December 31, 2006 and for the Reporting
      Period with respect to the Platform taken as a whole;

6.    Ocwen has not identified and is not aware of any material instance
      of noncompliance by the Vendors with the applicable servicing criteria
      as of December 31, 2006 and for the Reporting Period with respect to
      the Platform taken as a whole;

7.    Ocwen has not identified any material deficiency in its policies and
      procedures to monitor the compliance by the Vendors with the
      applicable servicing criteria as of December 31, 2006 and for the
      Reporting Period with respect to the Platform taken as a whole; and

8.    Crowe Chizek and Company LLC, a registered public accounting firm,
      has issued an attestation report on Ocwen's assessment of compliance
      with the applicable servicing criteria for the Reporting Period.



March 8, 2007
                                            Ocwen Loan Servicing, LLC
                                            By:/s/ Ronald Servicing, LLC
                                            ------------------------------
                                            Name: Ronald M. Faris
                                            Title: President








                                    Appendix A




- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by
                                                                                             by       subservicer      NOT
                                                                                          Vendor(s)   or vender(s)  Performed
                                                                                          for which   for which        by
                                                                                           Ocwen is    Ocwen is     Ocwen or
                                                                                             the        NOT the         by
                                                                               Performed  Responsible Responsible subservicer(s)
                                                                               Directly     Party       Party       or vendor(s)
                                                                                  by                               retained by
                                                                                 Ocwen                                Ocwen
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                          
                  Policies and procedures are instituted to monitor any           X
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to          X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                            X
1122(d)(1)(iii)   back-up servicer for the pool assets are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect    X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on pool assets are deposited into the                  X(1)                      X(1)
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor    X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash     X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash          X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured     X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------

(1)   Both Regulus Group LLC and Ocwen perform aspects of this servicing
      criteria Regulus is responsible for depositing any checks received into
      the paymentdeposit account. Ocwen is responsible for other forms of
      payments, and the sweeping of funds deposited in the payment deposit
      account to the appropriate deal level custodial bank accounts.




- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by
                                                                                             by       subservicer      NOT
                                                                                          Vendor(s)   or vender(s)  Performed
                                                                                          for which   for which        by
                                                                                           Ocwen is    Ocwen is     Ocwen or
                                                                                             the        NOT the         by
                                                                               Performed  Responsible Responsible subservicer(s)
                                                                               Directly     Party       Party       or vendor(s)
                                                                                  by                               retained by
                                                                                 Ocwen                                Ocwen
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                       
                  Unissued checks are safegaurded so as to prevent
1122(d)(2)(vi)    unauthorized access.                                              X(2)                X(2)
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all           X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                  Reports to investors, including those to be filed with the        X(3)
                  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
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in            X(3)
                  accordance with timeframes, distribution priority and other
1122(d)(3)(ii)    terms set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two           X(3)
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports            X(3)
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank bank.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------

(2)   Assurant, Inc. and Ocwen each issue checks and maintain unissued
      checks. Assurant issues checks for the insurance advances, while
      Ocwcn issues all other checks.
(3)   Ocwen has determined for purposes of assessing the servicing criteria
      listed in Items 1122(d)(3)(i)-(iv) that, pursuant to the Securities and
      Exchange Commission Telephone Interpretation 1103, the term "investor"
      as used in those Items does not pertain to the entity to which Ocwcn
      provides the applicable information (i.e. Master Servicer, Trustee,
      etc.) and includes certificate and bond holders. Consequently, the
      information regarding such Items provided herein relates to Ocwen's
      provision of such information to the entity who ultimately disseminates
      such information to the investors.




- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by
                                                                                             by       subservicer      NOT
                                                                                          Vendor(s)   or vender(s)  Performed
                                                                                          for which   for which        by
                                                                                           Ocwen is    Ocwen is     Ocwen or
                                                                                             the        NOT the         by
                                                                               Performed  Responsible Responsible subservicer(s)
                                                                               Directly     Party       Party       or vendor(s)
                                                                                  by                               retained by
                                                                                 Ocwen                                Ocwen
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                         
                  Statements.
- --------------------------------------------------------------------------------------------------------------------------------
                           Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------

                  Collateral or security on pool assets is maintained as           X
                  required by the transaction agreements or related pool asset
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Pool assets and related documents are safeguarded as             X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool       X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on pool assets, including any payoffs, made in          X(4)                 X(4)
                  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
1122(d)(4)(iv)    accordance with the related pool asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the pool assets agree           X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's      X
                  pool assets (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,    X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during     X
                  the period a pool asset is delinquent in accordance with
                  the transaction agreements. Such records arc 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
1122(d)(4)(viii)  or unemployment).
- ---------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for pool       X
                  assets with variable rates are computed based on the related
1122(d)(4)(ix)    pool asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------

(4)   Regulus transmits a daily data file that represents payments received
      for the current day to Oewen. Ocwen then loads the data file received
      from Regulus in its servicing system, which then applies the finds in
      accordance with the terms of the related transaction agreements.





- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by
                                                                                             by       subservicer      NOT
                                                                                          Vendor(s)   or vender(s)  Performed
                                                                                          for which   for which        by
                                                                                           Ocwen is    Ocwen is     Ocwen or
                                                                                             the        NOT the         by
                                                                               Performed  Responsible Responsible subservicer(s)
                                                                               Directly     Party       Party       or vendor(s)
                                                                                  by                               retained by
                                                                                 Ocwen                                Ocwen
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                          
                  Regarding any funds held in trust for an obligor (such as         X
                  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
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or             X(5)                  X(5)
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment         X(6)                  X(6)
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted             X(7)                  X(7)
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are         X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                          X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------


- ----------

5.  Assurant, Inc. and First American Real Estate Solutions of Texas, L.P.
("First American") transmit daily data files for insurance and taxes,
respectively, which represent payments received for the current day to Ocwen.
Ocwen loads the data files into its servicing system, which records the
disbursements in the system and then sends the applicable funds via mail or
wire.

6.  First American identifies late payments and includes them as of the daily
data transmissions.  Ocwen identifies late payments in the data transmissions
and credits to the borrower's applicable account on its servicing system.
Ocwen also maintains control reports to identify any late payments not
identified by First American.

7.  First American transmits daily data files that represent disbursements
required to be made by Ocwen.  Ocwen loads the stat file into its servicing
system and records the disbursements on the system.



                         APPENDIX B

                          Deal Name.
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP2
ACE Securities Corp. Home Equity Loan Trust, Series 2006-SL1
ACE Securities Corp. Home Equity Loan Trust, Series 2006-SL2
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP3
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP4
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP5
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASAP6
ACE Securities Corp. Home Equity Loan Trust, Series 2006-ASL1
ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE1
ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE2
ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE3
ACE Securities Corp. Home Equity Loan Trust, Series 2006-HE4
ACE Securities Corp. Home Equity Loan Trust, Series 2006-SD1
ACE Securities Corp. Home Equity Loan Trust. Series 2006-SD2
ACE Securities Corp. Home Equity Loan Trust, Series 2006-SD3
ACE Securities Corp. Home Equity Loan Trust, Series 2006-SL3
BanCap Asset Securitization Issuance Corporation, Mortgage Loan Assets
Bravo Mortgage Asset Backed Pass-Through Certificates, Series 2006-1
Citigroup Mortgage Loan Trust Inc. Asset-Backed Pass-Through
Certificates, Series 2006-HE3
CS Home Equity Mortgage Trust Series 2006-3
CS Home Equity Mortgage Trust Series 2006-4
CS Home Equity Mortgage Trust Series 2006-5
CSFB Home Equity Asset Trust 2006-2
CS Home Equity Mortgage Trust Series 2006-1
CS Home Equity Mortgage Trust Series 2006-2
Credit Suisse Seasoned Loan Trust 2006-1
GSAA Home Equity Trust 2006-Si
GSAMP Trust 2006-NC2
GSAMP Trust 2006-S2
GSAMP Trust 2006-S3
GSAMP Trust 2006-S4
OSAMP Trust 2006-S5
GSAMP Trust 2006-56
GSAMP Trust 2006-SD2
GSAMP Trust 2006-SD3
GSAMP Trust 2006-SEAl
GSRPM Mortgage Loan Trust 2006-2








                 Deal Name
MASTR Asset Backed Securities Trust 2006-AM1
MASTR Asset Backed Securities Trust 2006-AM3
Nomura Asset Acceptance Corporation Series 2006-S1
Nomura Asset Acceptance Corporation Series 2006-S2
Nomura Asset Acceptance Corporation Series 2006-S3
Nomura Asset Acceptance Corporation Series 2006-S4
Nomura Asset Acceptance Corporation Series 2006-S5
Nomura Home Equity Loan, Inc., Series 2006-HE1
Nomura Home Equity Loan, Inc., Series 2006-HE2
Nomura Home Equity Loan, Inc., Series 2006-HE3
Renaissance Home Equity Loan Trust 2006-1
Renaissance Home Equity Loan Trust 2006-2
Renaissance Home Equity Loan Trust 2006-3
Renaissance Home Equity Loan Trust 2006-4
ResMAE Asset Backed Pass-Through Certificates, Series 2006-1
Structured Asset Investment Loan Trust Mortgage Pass-Through
Certificates, Series 2006-4
Structured Asset Securities Corporation Mortgage Pass-Through
Certificates, Series 2006-S2
Soundview Home Loan Trust 2007-EQ2
Soundview Home Loan Trust 2006-NLCl

EX-33.F

Wells   Home                                        Wells Fargo Home Mortgage
Fargo   Mortgage                                    One Home Campus
                                                    Des Moines, IA S0328-0001

                                                    YourWellsFargoMortgage.com

                         Wells Fargo Bank, N.A.

             2006 Certification Regarding Compliance with Applicable
                               Servicing Criteria


1.      Wells Fargo Bank, N.A. (the "Servicer") is responsible for assessing
        its compliance with the servicing criteria applicable to it under
        paragraph (d) of Item 1122 of Regulation AB as set forth in Exhibit A
        hereto in connection with the primary servicing of residential
        mortgage loans by its Wells Fargo Home Mortgage division, other than
        the servicing of such loans for Freddie Mac, Fannie Mae, Ginnie Mae,
        state and local government bond programs, or a Federal Home Loan Bank
        (the servicing "Platform");

2.      The Servicer has engaged certain vendors (the "Vendors") to perform
        specific, limited or scripted activities as of and for the year ended
        December 31, 2006, and the Servicer has elected to take responsibility
        for assessing compliance with the servicing criteria or portion of the
        servicing criteria applicable to such Vendors as set forth in Exhibit
        A hereto, with the exception of those Vendors that have provided their
        own report on assessment of compliance with servicing criteria, which
        reports are attached hereto as Exhibit D;

3.      Except as set forth in paragraph 4 below, the Servicer used the
        Criteria set forth in paragraph (d) of Item 1122 of Regulation AB to
        assess the compliance with the applicable servicing criteria;

4.      The criteria identified as Inapplicable Servicing Criteria on Exhibit
        A hereto are inapplicable to the Servicer based on the activities it
        performs with respect to its Platform;

5.      The Servicer has complied, in all material respects, with the
        applicable servicing criteria as of and for the year ended December
        31, 2006, except as described on Exhibit B hereto;

6.      The Servicer has not identified and is not aware of any material
        instance of noncompliance by the Vendors with the applicable servicing
        criteria as of and for the year ended December 31, 2006;

7.      The Servicer 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 year ended December 31,
        2006; and

8.      KPMG LLP, a registered public accounting firm, has issued an
        attestation report on the Servicer's assessment of compliance with the
        applicable servicing criteria as of and for the year ended December
        31, 2006, which attestation report is included on Exhibit C attached
        hereto.

March 1, 2007
                                     WELLS FARGO BANK, N.A.

                                     By: /s/ Mary C. Coffin
                                     --------------------------------
                                     Mary C. Coffin
                                     Executive Vice President




                                     Wells Fargo Home Mortgage
                                     is a division of Wells Fargo Bank, N.A.






                                    EXHIBIT A
                                       to
                            Wells Fargo Bank, N.A.'s
   2006 Certification Regarding Compliance With Applicable Servicing Criteria



- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                  Servicing
                                                                                                                     Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Policies and procedures are instituted to monitor any                 X
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                     X(1)         X(2)
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor          X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash           X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured           X
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized         X(3)         X(4)
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------

- ----------
(1)   A portion of this servicing criteria is performed by a vendor, as set
      forth in footnote 2 below.

(2)   A lockbox vendor receives payments, creates transaction files, deposits
      checks, reconciles files to deposits and transmits the transaction files
      to Wells Fargo. See Exhibit D.

(3)   A portion of this servicing criteria is performed by vendors, as set forth
      in footnote 4 below.

(4)   Insurance vendors prepare and safeguard checks on behalf of Wells Fargo.
      As to one such vendor, see Exhibit D.






- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Reconciliations are prepared on a monthly basis for all               X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                  Reports to investors, including those to be filed with the            X
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                X
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two               X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as             X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in            X(5)         X(6)
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------

(5)   A portion of this servicing criteria is performed by a vendor, as set
      forth in footnote 6 below.

(6)   A lockbox vendor receives payments, creates transaction files, deposits
      checks, reconciles files to deposits and transmits the transaction files
      to Wells Fargo. See Exhibit D.





- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                               Performed      Performed
                                                                                       by             by
                                                                                    Servicer       Vendor(s)
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                            
                  Loss mitigation or recovery actions (e.g., forbearance plans,         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage         X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as             X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                 X(7)       X(8)
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment             X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                 X(9)       X(10)
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are             X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                           X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------


- ----------
(7)   A portion of this servicing criteria is performed by vendors, as set forth
      in footnote 8 below,

(8)   Insurance vendors obtain renewal invoices, create disbursement
      transactions and submit payments to payees. As to one such vendor, see
      Exhibit D.

(9)   A portion of this servicing criteria is performed by one or more vendors,
      as set forth in footnote 10 below.

(10)  Insurance vendors obtain renewal invoices, create disbursement
      transactions and submit payments to payees. As to one such vendor, see
      Exhibit D.






                               EXHIBIT B
                                  to
                        Wells Fargo Bank, N.A.'s

      2006 Certification Regarding Compliance With Applicable
                           Servicing Criteria

Wells Fargo Bank. N.A. ("Wells Fargo") acknowledges the following material
instances of non-compliance with the applicable servicing criteria:

1. 1122(d)(3)(i) - Delinquency Reporting.    For certain loans sub-serviced by
   Wells Fargo or for which servicing rights were acquired on a
   bulk-acquisition basis, Wells Fargo determined that it provided incomplete
   data to some third parties who use such data to calculate delinquency
   ratios and determine the status of loans with respect to bankruptcy,
   foreclosure or real estate owned. The incomplete reporting only affected
   securitizations that included delinquent loans. Instead of the actual due
   date being provided for use in calculating delinquencies, the date of the
   first payment due to the security was provided. Wells Fargo subsequently
   included additional data in the monthly remittance reports, providing the
   actual borrower due date and unpaid principal balance, together with
   instructions to use these new fields if such monthly remittance reports are
   used to calculate delinquency ratios.

2. 1122 (d)(4)(vii) - Notification of Intent to Foreclose.    Wells Fargo
   determined that, as required by certain servicing agreements, it did not
   provide investors with prior notification of intent to foreclose. While
   investors received monthly delinquency status reports that listed loans in
   foreclosure, such reports were received after such loans had been referred
   to an attorney. A new process is being implemented to send such
   notifications if contractually required, unless an investor opts out in
   writing.








                                EXHIBIT C

                                   to

                       Wells Fargo Bank, N.A.'s

      2006 Certification Regarding Compliance With Applicable
                           Servicing Criteria


            Report of Independent Registered Public Accounting Firm























                                  EXHIBIT D

                                      to

                           Wells Fargo Bank, N.A.'s

      2006 Certification Regarding Compliance With Applicable
                             Servicing Criteria


      Vendors' Reports on Assessment of Compliance With Servicing Criteria








REGULUS



      Report on Assessment of Compliance with Regulation AB
                        Servicing Criteria


1. Pursuant to Subpart 229.1100 - Asset Backed Securities, 17 C.F.R.
   229.1100-229.1123 ("Regulation AB"), Regulus Group LLC, for itself and
   its wholly-owned subsidiaries (individually and collectively "Regulus"), is
   responsible for assessing its compliance with the servicing criteria
   applicable to the remittance processing services it provides to customers
   who are issuers or servicers of asset backed securities transactions and
   who have requested confirmation of Regulus' compliance in connection with
   loan and/or receivables portfolios that include pool assets for asset
   backed securities transactions (the "Platform"). Remittance processing
   is a service whereby check payments that are remitted by mail to a post
   office box are collected, processed through a highly automated data capture
   system, and prepared for deposit to a bank account held by the beneficiary of
   the payment.

2. The servicing criteria set forth in Item 1122(d) of Regulation AB were used
   in Regulus' assessment of compliance. Regulus has concluded that the
   servicing criteria set forth in Items 1122(d)(2)(i) and 1122(d)(4)(iv) of
   Regulation AB are applicable to the servicing activities it performs with
   respect to the Platform (such criteria the "Applicable Servicing Criteria").
   Regulus has concluded that the remainder of the servicing criteria set forth
   in Item 1122(d) of Regulation AB are inapplicable to the activities it
   performs with respect to the Platform because Regulus does not participate
   in the servicing activities referenced by such servicing criteria.

3. As of and for the year ending December 31, 2006, Regulus has complied in
   all material respects with the Applicable Servicing Criteria set forth in
   Item 1122(d) of Regulation AB.

4. KPMG LLP, a registered public accounting firm, has issued an attestation
   report on Regulus' assessment of compliance with the Applicable Servicing
   Criteria as of and for the year ending December 31, 2006. A copy of that
   attestation report is attached hereto as Exhibit A.

/s/ Kimberlee Clark
- -----------------------------
Kimberlee Clark
Chief Financial Officer

February 22, 2007


660 LATOUR COURT  NAPA, CA  94558  TEL 707.254.4000  FAX: 707.254.4070
REGULUSGROUP.COM

















KPMG


                  KPMG LLP
                  601 Market Street
                  Philadelphia, PA 19103-2499



            Report of Independent Registered Public Accounting Firm

The Board of Members
Regulus Group LLC:

We have examined management's assessment for those customers that management
has informed us have requested confirmation of compliance, included in the
accompanying Report on Assessment of Compliance with Regulation AB Servicing
Criteria, that Regulus Group LLC complied with the servicing criteria set
Forth in Item 1122(d)(2)(i) and 1122(d)(4)(iv) of the Securities and Exchange
Commission's Regulation AB for remittance processing services to those
issuers of asset backed securities and servicers of loan and/or receivables
portfolios that include pool assets for asset backed securities transactions
(the Platform) as of and for the year ended December 31, 2006. Regulus Group
LLC has determined that the remainder of the servicing criteria are not
applicable to the activities it performs with respect to the Platform as of
and for the year ended December 31, 2006. Management is responsible for the
Company's compliance with those servicing criteria. Our responsibility is to
express an opinion on management's assessment about the Company's compliance
based on our examination.

Our examination was conducted in accordance with the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Company processed those
selected transactions and performed those selected activities in compliance
with the servicing criteria. Furthermore, our procedures were limited to the
selected transactions and servicing activities performed by the Company
during the period covered by this report. Our procedures were not designed to
determine whether errors may have occurred either prior to or subsequent to
our tests that may have affected the balances or amounts calculated or
reported by the Company during the period covered by this report for the
selected transactions or any other transactions. 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 the
servicing criteria.

In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31,
2006 is fairly stated, in all material respects.

                                          /s/ KPMG LLP


Philadelphia, PA
February 22, 2007




KPMG LLP a U.S. limited liability partnership. is the U.S. member firm of
KPMG International, a Swiss cooperative.














                                                            ZC STERLING



                                          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 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(v), 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. ABN Arnro 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











ERNST&YOUNG
                              Ernst &Young LLP        Phone (404) 874-8300
                              Suite 2800              www.ey.com
                              600 Peachtree Street
                              Atlanta, Georgia 30308-2215


        Report of Independent Registered Public Accounting Firm

We have examined management's assertion, included in the accompanying Report
on Assessment of Compliance with Securities and Exchange Commission's
Regulation AB Servicing Criteria, that ZC Sterling Insurance Agency, Inc. (the
Company) complied with certain servicing criteria set forth in Item 1122 (d)
of the Securities and Exchange Commission's Regulation AB for the ZC Sterling
Integrated Product Solution (ZIPS) hazard insurance outsourcing Platform
(Platform) as of and for the year ended December 31, 2006. The Company has
determined that only certain servicing criteria 1122 (d) l(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 them with respect to the Platform covered by
this report. The Company has determined that 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 them with
respect to the Platform covered by this report. See Appendix A of management's
assertion for the Platform covered by this report. Management is responsible
for the Company's compliance with those servicing criteria. Our responsibility
is to express an opinion on management's assertion about the Company's
compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with 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 and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of less than all of the servicing activities related to the Platform, and
determining whether the Company performed those selected activities in
compliance with the servicing criteria. Furthermore, our procedures were
limited to the servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether
errors may have occurred either prior to or subsequent to our tests that may
have affected the balances or amounts calculated or reported by the Company
during the period covered by this report for the Platform. 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 the
servicing criteria.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31,
2006 for the ZIPS Platform is fairly stated, in all material respects.


                                               /s/Ernst & Young LLP



February 20, 2007




                    A Member Practice of Ernst & Young Global

EX-33.G

                 New Century Mortgage Corporation
         Certification Regarding Compliance with Applicable
                       Servicing Criteria

1.     New Century Mortgage Corporation, (the "Servicer") is
       responsible for assessing compliance with the servicing
       criteria applicable to it under paragraph (d) of Item
       1122 of Regulation AB, as of and for the 12-month period
       ending December 31, 2006 (the "Reporting Period"), as set
       forth in Appendix A hereto.  The transactions covered by
       this report include asset-backed securities transactions
       for which the Servicer acted as servicer involving
       residential mortgage loans as set forth in Appendix B
       (the "Platform");

2.     Except as set forth in paragraph 3 below, the Servicer
       used the criteria set forth in paragraph (d) of Item 1122
       of Regulation AB to assess the compliance with the
       applicable servicing criteria;

3.     The criteria listed in the column titled "Inapplicable
       Servicing Criteria" on Appendix A hereto are inapplicable
       to the Servicer based on the activities it performs,
       directly or through its Vendors, with respect to the
       Platform;

4.     Due to the instances of material noncompliance, as
       described on Appendix C hereto, the Servicer did not
       comply with the servicing set forth in Item 1122(d) of
       Regulation AB as of and for the 12-month period ending
       December 31, 2006, for loans serviced by the Servicer
       that were included in publicly issued mortgage-backed
       security transactions issued on or after January 1, 2006.

5.     KPMG LLP, the Servicer's independent registered public
       accounting firm, has not completed its examination of the
       Servicer's compliance with the applicable servicing
       criteria set forth in Appendix A hereto as of and for the
       year ended December 31, 2006. KPMG LLP's report dated
       April 4, 2007 on the Servicer's compliance with such
       servicing criteria disclaims an opinion.

April 4, 2007   New Century Mortgage Corporation

                             By: /s/ Kevin Cloyd
                             -------------------------
                             Name: Kevin Cloyd
                             Title: Executive Vice President



    Appendix A




- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by     NOT
                                                                                             by       subservicer(s) Performed
                                                                                          Vendor(s)   or vender(s)      by
                                                                                          for which   for which    New Century
                                                                                             New      New Century     or by
                                                                              Performed   Century is  is NOT the   subservicer(s)
                                                                               Directly       the      Responsible   or vendor(s)
                                                                                  by      Responsible   Party       retained by
                                                                             New Century    Party                   the Company
- --------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                          
                  Policies and procedures are instituted to monitor any           X
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to          X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                            X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained.
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect    X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the               X(1)                     X(1)
                  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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor    X
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash     X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash          X
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured     X
                  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
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------





  ------------------------------
  1  1122(d)(2)(i) is performed directly by New Century only as it relates
     to the recording and application of borrowers payments. The initial
     processing of cash receipts at the lockbox was performed by a vendor
     that did not provide an Item 1122 attestation report.








- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by     NOT
                                                                                             by       subservicer(s) Performed
                                                                                          Vendor(s)   or vender(s)      by
                                                                                          for which   for which    New Century
                                                                                             New      New Century     or by
                                                                              Performed   Century is  is NOT the   subservicer(s)
                                                                               Directly       the      Responsible   or vendor(s)
                                                                                  by      Responsible   Party       retained by
                                                                             New Century    Party                   the Company
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                          
                  Unissued checks are safegaurded so as to prevent                X
1122(d)(2)(vi)    unauthorized access.
- --------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all         X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                  Reports to investors, including those to be filed with the        X                                      X(2)
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                                                    X
                  accordance with timeframes, distribution priority and other
1122(d)(3)(ii)    terms set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two                                                   X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                                                    X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                        Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as                                                 X
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loans and related documents are safeguarded as                                                   X
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool      X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------


 2. 1122(d)(3)(1)(C) is not performed directly by New Century and the servicer
 obtained an assertion of management and an accompanying Item 1122 attestation
 report from the party performing such activities.











- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by     NOT
                                                                                             by       subservicer(s) Performed
                                                                                          Vendor(s)   or vender(s)      by
                                                                                          for which   for which    New Century
                                                                                             New      New Century     or by
                                                                              Performed   Century is  is NOT the   subservicer(s)
                                                                               Directly       the      Responsible   or vendor(s)
                                                                                  by      Responsible   Party       retained by
                                                                             New Century    Party                   the Company
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                          
                  Payments on mortgage loans, including any payoffs, made in      X(3)                      X(3)
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree        X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
- --------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's      X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,    X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during     X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage    X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    pool asset documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as        X
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loans 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 mortage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                                     X
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment                                 X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------


  3. 1122(d)(4)(iv) is performed directly by New Century only as it relates to
     the recording and application of borrower payments.  The initial processing
     of cash receipts at the lockbox was performed by a vendor that did not
     provide an Item 1122 attestation report.








- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                Applicable Servicing       Inapplicable
                                                                                       Criteria               Servicing
                                                                                                              Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria                                     Performed   Performed by     NOT
                                                                                             by       subservicer(s) Performed
                                                                                          Vendor(s)   or vender(s)      by
                                                                                          for which   for which    New Century
                                                                                             New      New Century     or by
                                                                              Performed   Century is  is NOT the   subservicer(s)
                                                                               Directly       the      Responsible   or vendor(s)
                                                                                  by      Responsible   Party       retained by
                                                                             New Century    Party                   the Company
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                                           
                  Disbursements made on behalf of an obligor are posted            X(4)                      X(4)
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are        X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item                                            X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------


- ----------


 4. 1122(d)(4)(xiii) is performed directly by New Century only as it relates to
    processing of insurance payments.  Tax payments are processed by a vendor
    for which the Company has obtained an Item 1122 attestation report from the
    vendor performing such activities.



                        APPENDIX B
             TRANSACTIONS IDENTIFIED ON PLATFORM

   Transaction Name     Closing Date
   CMLT 2006-NC1        February 8, 2006
   NCHET 2006-S1        February 27, 2006
   NCHET 2006-1         March 30, 2006
   CMLTI 2006-NC1       June 1, 2006
   CMLT 2006-NC2        June 21, 2006
   NCHET 2006-Alt 1     June 22, 2006
   NCHET 2006-2         June 29, 2006
   CMLT 2006-NC3        August 10, 2006
   CMLTI 2006-NC2       September 1, 2006
   MLT 2006-NC4         September 28, 2006
   CMLTI 2006-HE3       December 1, 2006
   CMLT 2006-NC5        December 19, 2006




                      APPENDIX C
1.   New Century (the "Servicer") has identified the following
material noncompliance with servicing criteria 1122(d)(1)(ii),
1122(d)(1)(iv), 1122(d)(2)(vii)(B), 1122(d)(4)(vi) and
1122(d)(4)(vii) applicable to the Platform during the year ended
December 31, 2006 as follows:

Servicing criteria 1122(d)(1)(ii)

The Servicer did not have adequate policies and procedures in
place to monitor the material servicing activities outsourced to
the third party performing the initial processing of cash
receipts at the lockbox.

Servicing criteria 1122(d)(1)(iv)

The Servicer did not maintain adequate fidelity bond coverage.

Servicing criteria 1122(d)(2)(vii)(B)

The Servicer did not complete bank account reconciliations
within the time required.

Servicing criteria 1122(d)(4)(vi)

The Servicer did not review and approve changes to the terms or
status of an obligor's pool asset as required by the respective
transaction agreements and related pool asset documents.

Servicing criteria 1122(d)(4)(vii)

The Servicer did not:
   Initiate, conduct and conclude loss mitigation or recovery
   actions within time frames or other requirements of
   therespective transaction agreements;

   Execute forbearance plans as required by the respective
   transaction agreements;

   Execute pre-foreclosure sales or short payoffs resulting from
   the acceptance of funds in an amount that is less than the
   total borrower indebtedness as required by the respective
   transaction agreements; and

   Execute foreclosures as required by the respective
   transaction agreements.

EX-33.H

Wells
Fargo

                                                   Wells Fargo Bank, N.A.
                                                   Document Custody
                                                   1015 10th Avenue SE
                                                   Minneapolis, MN 55414


                                                   Appendix I


           ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA

Corporate Trust Services division of Wells Fargo Bank, National Association
(the "Company") is responsible for assessing compliance with the servicing
criteria set forth in Item 1122(d) of Regulation AB promulgated by the
Securities and Exchange Commission. The Company has determined that the
servicing criteria are applicable in regard to the servicing platform for
the period as follows:

Platform: Publicly-issued (i.e., transaction-level reporting required under
the Securities Exchange Act of 1934, as amended) residential mortgage-backed
securities and commercial mortgage-backed securities issued on or after
January 1, 2006, for which the Company provides document custody services,
excluding any publicly issued transactions issued by any government sponsored
entity (the "Platform").

Applicable Servicing Criteria: The servicing criteria set forth in Item
1122(d)(4)(i) and 1122(d)(4)(ii), in regard to the activities performed by
the Company with respect to the Platform (the "Applicable Servicing
Criteria"). The Company has determined that all other servicing criteria set
forth in Item 1122(d) are not applicable to the Platform.

Period: Twelve months ended December 31, 2006 (the "Period").

With respect to the Platform, the Company provides the following assessment of
compliance with respect to the Applicable Servicing Criteria:

1. The Company is responsible for assessing the Company's compliance with the
Applicable Servicing Criteria as of and for the Period.

2. The Company has assessed compliance with the Applicable Servicing Criteria.
In performing this assessment, the Company used the criteria set forth by the
Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation
AB.

3. Based on such assessment, as of and for the Period, the Company has
complied, in all material respects with the Applicable Servicing Criteria.

KPMG LLP, a registered public accounting firm, has issued an attestation
report with respect to the Company's assessment of compliance as of and for
the Period.




                                WELLS FARGO BANK, NATIONAL ASSOCIATION
                                By: /s/ Shari L. Gillund
                                -------------------------------------
                                Shari L. Gillund

                                Its: Senior Vice President

                                Dated: March 1, 2007

EX-33.I

                RESTATED REPORT ON ASSESSMENT OF COMPLIANCE WITH
  Section 1122(d)(2)(vi), Section 1122(d)(4)(xi) and Section 1122(d)(4)(xii)
                     of  REGULATION AB SERVICING CRITERIA
                           FOR THE REPORTING PERIOD
                      JANUARY 1, 2006 TO DECEMBER 31, 2006

American Security Insurance Company, Standard Guaranty Insurance Company and
TrackSure Insurance Agency, Inc. (formerly, "Safeco Financial Institution
Solutions, Inc.") (collectively, the "Asserting Party") is responsible for
assessing compliance as of December 31, 2006 and for the period of January 1,
2006 through December 31, 2006 (the "Reporting Period") with the servicing
criteria set forth in Section 1122(d)(2)(vi), Section 1122(d)(4)(xi) and
Section 1122(d)(4)(xii) of Title 17, Section 229.1122(d) of the Code of
Federal Regulations, (the "Applicable Servicing Criteria") which the Asserting
Party has concluded are applicable to the insurance escrow servicing activities
it performs with respect to all mortgage loan-tracking transactions for such
asset-backed securities transactions that were registered after January 1,
2006 with the Securities and Exchange Commission pursuant to the Securities
Act of 1933 (the "Platform Transactions").

The Asserting Party previously excluded the applicable servicing criteria set
forth in Section 1122(d)(4)(xii) from the scope of its assessment of
compliance.  The Asserting Party has now assessed its compliance with the
Applicable Servicing Criteria for the Reporting Period and has identified a
material instance of noncompliance with that servicing criterion.
Specifically, the Asserting Party did not have, during the Reporting Period,
sufficient policies and procedures to capture the information with respect to
the Platform Transactions necessary to determine compliance with Section
1122(d)(4)(xii).  Accordingly, the Asserting Party has restated its previous
assessment for the Reporting Period, which excluded evaluation of the
criterion, to include the criterion and reflect the material noncompliance as
a result of its assessment.

The Asserting Party has concluded that, with the exception of the
aforementioned material noncompliance, the Asserting Party has complied, in
all material respects, with the Applicable Servicing Criteria for the
Reporting Period with respect to the Platform Transactions taken as a whole.
The Asserting Party used the criteria set forth in paragraph (d) of Item 1122
of Regulation AB to assess the compliance with the Applicable Servicing
Criteria.

PricewaterhouseCoopers LLP, an independent registered public accounting firm,
has issued an attestation report on the assessment of compliance with the
Applicable Servicing Criteria as of and for the Reporting Period ending
December 31, 2006.

American Security Insurance Company
Standard Guaranty Insurance Company
TrackSure Insurance Agency, Inc.
   (formerly, "Safeco Financial Institution Solutions, Inc.")

    /s/ John Frobose

    By:  John Frobose
    Senior Vice President

Date: February 23, 2007, except for the Asserting Party's restatement
described above regarding the assessment of the servicing criteria set forth
in 1122(d)(4)(xii) which was previously excluded from the scope of its
assessment of compliance with applicable servicing criteria, as to which the
date is January 30, 2008.

EX-33.J

REGULUS

Report on Assessment of Compliance with Regulation AB Servicing Criteria


1. Pursuant to Subpart 229.1100-Asset Backed Securities, 17 C.F.R.
   229.1100-229.1123 ("Regulation AB"), Regulus Group LLC, for itself and its
   wholly-owned subsidiaries (individually and collectively "Regulus"), is
   responsible for assessing its compliance with the servicing criteria
   applicable to the remittance processing services it provides to customers
   who are issuers or servicers of asset backed securities transactions and
   who have requested confirmation of Regulus' compliance in connection with
   loan and/or receivables portfolios that include pool assets for asset
   backed securities transactions (the "Platform ). Remittance processing is
   a service whereby check payments that are remitted by mail to a post office
   box are collected, processed through a highly automated data capture system,
   and prepared for deposit to a bank account held by the beneficiary of the
   payment.

2. The servicing criteria set forth in Item 1122(d) of Regulation AB were used
   in Regulus' assessment of compliance. Regulus has concluded that the
   servicing criteria set forth in Items 1122(d)(2)(i) and 1122(d)(4)(iv) of
   Regulation AB are applicable to the servicing activities it performs with
   respect to the Platform (such criteria the "Applicable Servicing Criteria").
   Regulus has concluded that the remainder of the servicing criteria set
   forth in Item 1122(d) of Regulation AB are inapplicable to the activities
   it performs with respect to the Platform because Regulus does not
   participate in the servicing activities referenced by such servicing
   criteria.

3. As of and for the year ending December 31, 2006, Regulus has complied in
   all material respects with the Applicable Servicing Criteria set forth in
   Item 1122(d) of Regulation AB.

4. KPMG LLP, a registered public accounting firm, has issued an attestation
   report on Regulus' assessment of compliance with the Applicable Servicing
   Criteria as of and for the year ending December 31, 2006. A copy of that
   attestation report is attached hereto as Exhibit A.

/s/Kimberlee Clark
- ------------------
Kimberlee Clark
Chief Financial Officer

February 22, 2007



860 LAT0UR COURT NAPA, CA 94558  TEL:707.254.4000 FAX: 707.254.4070
REGULUSGROUP.COM

EX-33.K

                     REPORT ON ASSESSMENT OF COMPLIANCE

First American Real Estate Solutions of Texas, L,P. (an indirect subsidiary of
The First American Corporation, and the "Asserting Party") is responsible for
assessing compliance as of December 31, 2006, and for the period from January
1, 2006 through December 31, 2006 (the "Reporting Period") with the servicing
criteria set forth in Title 17, Sections 229.1122(d)(1)(iv), (d)(2)(v),
(d)(2)(vi), (d)(2)(vii), (d)(4)(xi), (d)(4)(xii) and (d)(4)(xiii) of the Code
of Federal Regulations (the "CFR") applicable to the Asserting Party (the
"Applicable Servicing Criteria"). The transactions covered by this report
include all loans for residential mortgage loan outsourcing customers for
which the Asserting Party served as the residential tax service provider (the
"Platform").

The Asserting Party has assessed its compliance with the Applicable Servicing
Criteria for the Reporting Period and has concluded that, except as set forth
hereinbelow, the Asserting Party has complied, in all material respects, with
the Applicable Servicing Criteria as of December 31, 2006, and for the
Reporting Period with respect to the Platform taken as a whole.

The Asserting Party assessed its compliance with the Applicable Servicing
Criteria for the Reporting Period and has identified a material instance of
noncompliance with the servicing criterion set forth in Section
229.1122(d)(2)(vii)(B) of the CFR with respect to the Platform. Specifically,
the Asserting Party did not prepare reconciliations for all asset-backed
securities related bank accounts within 30 calendar days after the bank
statement cut-off date or such number of days specified in the transaction
agreements.

PricewaterhouseCoopers LLP, an independent registered public accounting firm,
has issued an attestation report on the assessment of compliance with the
Applicable Servicing Criteria as of December 31, 2006, and for the Reporting
Period as set forth in this assertion.


FIRST AMERICAN REAL ESTATE SOLUTIONS OF TEXAS, L.P.
By: First American Real Estate Solutions LLC
    General Partner

/s/ Lucy A. Przybyla
- --------------------------
Lucy A. Przybyla
Senior Vice President
February 28, 2007

EX-33.L

                                                      ZC STERLING
                                                      KEEPING YOU FIRST

                                                 ZC Sterling Corporation
                                                 210 Interstate North Parkway
                                                 Suite 400
                                                 Atlanta, GA 30339


                                                 Tel 770.690.8400
                                                 Fax 770.690,8240
                                                 http:// ww.zcsterling.com


        Report on Assessment of Compliance with Securities and Exchange
              Commission's Regulation AR 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 asses: 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.  ABN 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


                                    EXHIBIT B
        SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

The assessment of compliance to be delivered by Vendor shall address, at a
minimum, the criteria identified below as "Applicable Servicing Criteria":





- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing
                                                                                          Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                  General Servicing Considerations
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                       
                  Policies and procedures are instituted to monitor any
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  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
1122(d)(1)(ii)    such servicing activities.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
- --------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect                X
                  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
1122(d)(1)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans 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
1122(d)(2)(i)     transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
- --------------------------------------------------------------------------------------------------------------------------------
                  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
1122(d)(2)(iii)   specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  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
1122(d)(2)(iv)    transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured
                  depository institution as set forth in the transaction
                  agreements. For purposes of this criterion, "federally insured
                  depository institution" with respect to a foreign financial
                  institution means a foreign financial institution that meets
                  the requirements of Rule 13k-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
- --------------------------------------------------------------------------------------------------------------------------------
                  Unissued checks are safeguarded so as to prevent unauthorized               X
1122(d)(2)(vi)    access.
- --------------------------------------------------------------------------------------------------------------------------------
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
- ---------------------------------------------------------------------------------------------------------------------------------
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
- ---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
- ---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------






- --------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing
                                                                                          Criteria
- --------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
- --------------------------------------------------------------------------------------------------------------------------------
                                                                                      
                  Mortgage loan and related documents are safeguarded as
1122(d)(4)(ii)    required by the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
- ---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal.
- ---------------------------------------------------------------------------------------------------------------------------------
                  Changes with respect to the terms or status of an obligor's
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  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
1122(d)(4)(vii)   requirements established by the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
- --------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
- --------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                      X
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment                  X
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
- --------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                      X
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
- --------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
- ---------------------------------------------------------------------------------------------------------------------------------

- ----------





                                       ZC Sterling Insurance Agency, Inc
                                       Date: 2/20/2007
                                       By:/s/Aurthor J. Castner
                                          ------------------------------
                                       Name:Aurthor J. Castner
                                       Title: SVP

EX-33.M

                RESTATED REPORT ON ASSESSMENT OF COMPLIANCE WITH
  Section 1122(d)(2)(vi), Section 1122(d)(4)(xi) and Section 1122(d)(4)(xii)
                     of  REGULATION AB SERVICING CRITERIA
                           FOR THE REPORTING PERIOD
                      JANUARY 1, 2006 TO DECEMBER 31, 2006

American Security Insurance Company, Standard Guaranty Insurance Company and
TrackSure Insurance Agency, Inc. (formerly, "Safeco Financial Institution
Solutions, Inc.") (collectively, the "Asserting Party") is responsible for
assessing compliance as of December 31, 2006 and for the period of January 1,
2006 through December 31, 2006 (the "Reporting Period") with the servicing
criteria set forth in Section 1122(d)(2)(vi), Section 1122(d)(4)(xi) and
Section 1122(d)(4)(xii) of Title 17, Section 229.1122(d) of the Code of
Federal Regulations, (the "Applicable Servicing Criteria") which the Asserting
Party has concluded are applicable to the insurance escrow servicing activities
it performs with respect to all mortgage loan-tracking transactions for such
asset-backed securities transactions that were registered after January 1,
2006 with the Securities and Exchange Commission pursuant to the Securities
Act of 1933 (the "Platform Transactions").

The Asserting Party previously excluded the applicable servicing criteria set
forth in Section 1122(d)(4)(xii) from the scope of its assessment of
compliance.  The Asserting Party has now assessed its compliance with the
Applicable Servicing Criteria for the Reporting Period and has identified a
material instance of noncompliance with that servicing criterion.
Specifically, the Asserting Party did not have, during the Reporting Period,
sufficient policies and procedures to capture the information with respect to
the Platform Transactions necessary to determine compliance with Section
1122(d)(4)(xii).  Accordingly, the Asserting Party has restated its previous
assessment for the Reporting Period, which excluded evaluation of the
criterion, to include the criterion and reflect the material noncompliance as
a result of its assessment.

The Asserting Party has concluded that, with the exception of the
aforementioned material noncompliance, the Asserting Party has complied, in
all material respects, with the Applicable Servicing Criteria for the
Reporting Period with respect to the Platform Transactions taken as a whole.
The Asserting Party used the criteria set forth in paragraph (d) of Item 1122
of Regulation AB to assess the compliance with the Applicable Servicing
Criteria.

PricewaterhouseCoopers LLP, an independent registered public accounting firm,
has issued an attestation report on the assessment of compliance with the
Applicable Servicing Criteria as of and for the Reporting Period ending
December 31, 2006.

American Security Insurance Company
Standard Guaranty Insurance Company
TrackSure Insurance Agency, Inc.
   (formerly, "Safeco Financial Institution Solutions, Inc.")

    /s/ John Frobose

    By:  John Frobose
    Senior Vice President

Date: February 23, 2007, except for the Asserting Party's restatement
described above regarding the assessment of the servicing criteria set forth
in 1122(d)(4)(xii) which was previously excluded from the scope of its
assessment of compliance with applicable servicing criteria, as to which the
date is January 30, 2008.

EX-33.N

                                                          Appendix I

MANAGEMENT'S ASSERTION OF COMPLIANCE


Management of the Trust & Securities Services department of Deutsche Bank
National Trust Company and Deutsche Bank Trust Company Americas (collectively
the "Company") is responsible for assessing compliance with the servicing
criteria set forth in Item 1122(d)of Regulation AB promulgated by the
Securities and Exchange Commission. Management has determined that the
servicing criteria arc applicable in regard to the servicing platform for
the period as follows:

Platform: Publicly-issued (i.e., transaction-level reporting required under
the Securities Exchange Act of 1934, as amended) residential mortgage-backed
securities and other asset-backed securities issued on or after January 1,
2006 for which the Company provides trustee, securities administration or
paying agent services, excluding any publicly issued transactions sponsored
or issued by any government sponsored entity (the "Platform").

Applicable Servicing Criteria: All servicing criteria set forth in Item
1122(d), except for the following criteria: 1122(d)(2)(iii),1122(d)(4)(iv),
1122(d)(4)(v),1122(d)(4)(vi), 1122(d)(4)(vii),1122(d)(4)(viii), 1122(d)(4)
(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii) and
1122(d)(4)(xiv), which management has determined are not applicable to the
activities the Company performs with respect to the Platform (the "Applicable
Servicing Criteria").

Period: Twelve months ended December 31, 2006 (the "Period").

Management's interpretation of Applicable Servicing Criteria: The Company's
management has determined that servicing criteria 1122(d)(1)(iii) is
applicable only with respect to its continuing obligation to act as, or
locate a, successor servicer under the circumstances referred to in certain
governing documents. It is management's interpretation that Deutsche Bank
Trust Company America has no other active back-up servicing responsibilities
in regards to 1122(d)(1)(iii) as of and for the Period.

Third parties classified as vendors: With respect to servicing criteria
1122(d)(2)(i), 1122(d)(4)(i), and 1122(d)(4)(ii), management has engaged
various vendors to perform the activities required by these servicing
criteria. The Company's management has determined that these vendors are
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 each 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 each vendor. The Company's management is solely
responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and related criteria.

With respect to the Platform, the Company's management provides the following
assertion of compliance with respect to the Applicable Servicing Criteria:
1. The Company's management is responsible for assessing the Company's
compliance with the Applicable Servicing Criteria as of and for the Period.

2. The Company's management has assessed compliance with the Applicable
Servicing Criteria, including servicing criteria for which compliance is
determined based on Interpretation 17.06 as described above, as of and for
the Period. In performing this assessment, management used the criteria set
forth by the Securities and Exchange Commission in paragraph (d) of Item 1122
of Regulation AB.

3. Based on such assessment, as of and for the Period, the Company has
complied, in all material respects, with the Applicable Servicing Criteria.
KPMG LLP, a registered public accounting firm, has issued an attestation
report with respect to the management's assertion of compliance with the
Applicable Servicing Criteria as of and for the Period.















                                                             Appendix I


                       Deutche Bank National Trust Company

                       By:/s/ Gary R. Vaughan
                       ------------------------------------
                       Name:  Gary R. Vaughan
                       Its: Managing Director

                       By: /s/ David Co
                       ------------------------------------
                       Name: David Co
                       Its: Director

                       By: /s/ Jose Sicilia
                       ------------------------------------
                       Name: Jose Sicilia
                       Its: Managing Director

                       By: /s/ Kevin Fischer
                       ------------------------------------
                       Name: Kevin Fischer
                       Its: Vice President

                       By: /s/ Robert Frier
                       ------------------------------------
                       Name: Robert Frier
                       Its: Director

                       Deutche Bank Trust Company Americas


                       By: /s/ Kevin C. Weeks
                       ------------------------------------
                       Name: Kevin C. Weeks
                       Its: Managing Director

                       By: /s/ Jenna Kaufman
                       ------------------------------------
                       Name: Jenna Kaufman
                       Its: Director

EX-33.O

    FIS                                     FIS Tax Services
TAX SERVICES                                3100 New York Drive, Suite 100
A DIVISION OF FIDELITY                      Pasadena, Ca 91907
NATIONAL INFORMATION SERVICES               tel: 626.345.2010  866.457.4112
                                            fax: 626.398.5205


                       Management Compliance Statement

Management of FIS Tax Services (FIS) and formerly known as LSI Tax Services,
is responsible for assessing compliance with applicable servicing criteria
set forth in Item 1122(d) of Regulation AB of the Securities and Exchange
Commission relating to residential mortgage loans (the Platform), except for
General Servicing Consideration criteria (i) - (iv), Cash Collections and
Administration (i) - (vii), Investor Remittances and Reporting (i) - (iv),
and Pool Asset Administration (i) - (x), (xiv), and (xv), which FIS has
determined are not applicable to the activities it performs with respect to
the Platform.

FIS' management has assessed the effectiveness of the Company's compliance
with the applicable servicing criteria as of and for the year ended 2006.
In making this assessment, management used the criteria set forth by the
Securities and Exchange Commission in paragraph (d) of Item 1122 of
Regulation AB. FIS has determined the following servicing criteria in
paragraph (d)(4) of Item 1122 are applicable to the activities it performed
with respect to the Platform:

(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.

(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.

(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.


Based on such assessment, management believes that, as of and for the year
ended December 31, 2006, FIS has complied in all material respects with the
servicing criteria set forth in Item 1122(d) of Regulation AB of the
Securities and Exchange Commission relating to the servicing of the Platform.

KPMG LLP, a registered public accounting firm, has issued an attestation
report with respect to management's assessment of compliance with the
applicable servicing criteria as of and for the year ended 2006.

To the best of my knowledge and belief, based on such assessment, FIS has
fulfilled all of its applicable obligations throughout the reporting period.


                                             /s/ Darryl A. De Bond
                                            -------------------------
                                            Darryl A. De Bond
                                            Executive Vice President

                                            January 22, 2007

EX-34.A

PRICEWATERHOUSE


                                           PricewaterhouseCoopers LLP
                                           PricewaterhouseCoopers Center
                                           300 Madison Avenue
                                           New York NY 10017
                                           Telephone (846) 471 3000
                                           Facsimile (813) 286 6000

         Report of Independent Registered Public Accounting Firm

To the Stockholder of Chase Home Finance LLC:


We have examined management's assertion, included in the accompanying
Management's Report on Assessment of Compliance with Applicable
Servicing Criteria, that Chase Home Finance LLC (the "Company") complied
with the servicing criteria set forth in Item 1122(d) of the Securities
and Exchange Commission's Regulation AB, as of and for the year ended
December 31, 2006 (the "Reporting Period"), for asset backed securities
transactions backed by subprime residential mortgages serviced on the
Loan Servicing and Accounting Management System I ("LSAMS I") where the
related asset-backed securities were outstanding during the Reporting
Period (the "Platform"), excluding criteria 1122(d)(1)(iii),
1122(d)(4)(i), 1122(d)(4)(ii) and 1122(d)(4)(xv), which the Company has
determined are not applicable to the activities performed by it with
respect to the Platform. Management is responsible for the Company's
compliance with the servicing criteria. Our responsibility is to express
an opinion on management's assertion based on our examination.

Our examination was conducted in accordance with 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 and performing such
other procedures as we considered necessary in the circumstances. Our
examination included testing of selected asset-backed transactions and
securities that comprise the Platform, testing of selected servicing
activities related to the Platform, and determining whether the Company
processed those selected transactions and performed those selected
activities In compliance with the applicable servicing criteria. Our
procedures were limited to the selected transactions and servicing
activities performed by the Company during the period covered by this
report. Our procedures were not designed to detect noncompliance arising
from errors that may have occurred prior to or subsequent to our tests
that may have affected the balances or amounts calculated or reported by
the Company during the period covered by this report. 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 the servicing criteria.

In our opinion, management's assertion that the Company complied with
the aforementioned applicable servicing criteria as of and for the year
ended December 31, 2006 for the for asset-backed securities transactions
backed by subprime residential mortgages serviced on the LSAMS I where
the related asset-backed securities were outstanding during the
Reporting Period is fairly stated, In all material respects.

/s/ PricewaterhouseCoopers LLP

February 26, 2007

EX-34.B

Report of Independent Registered Public Accounting Firm

The Board of Directors
Citibank, N.A.:

We have examined management's assertion, included in the accompanying Appendix
I, that Citibank, N.A. (or "Company") complied with the servicing criteria set
forth in Item 1122(d) of the Securities and Exchange Commission's Regulation
AB for publicly-issued (i.e., transaction-level reporting initially required
under the Securities Exchange Act of 1934, as amended) residential mortgage-
backed securities, automobile loan or lease-backed securities and student
loan-backed securities issued on or after January 1, 2006 for which the
Company provides the following servicing functions:  paying agent, securities
administration and trustee; or securities administration and paying agent;
or paying agent and trustee; or paying agent, collectively "Servicing
Functions." (the "Platform"), excluding servicing criteria 1122(d)(1)(i),
1122(d)(1)(iii), 1122(d)(1)(iv), 1122(d)(2)(iii), 1122(d)(4)(i), 1122(d)(4)
(ii) and 1122(d)(4)(iv) through 1122(d)(4)(xiv), which the Company has
determined are not applicable to the activities the Company performs with
respect to the Platform, as of and for the twelve months ended December 31,
2006.  Management is responsible for the Company's compliance with those
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 the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances.  Our examination included testing
of less than all of the individual asset-backed transactions and securities
that comprise the Platform, testing of less than all of the servicing
activities related to the Platform, and determining whether the Company
processed those selected transactions and performed those selected activities
in compliance with the servicing criteria.  Furthermore, our procedures were
limited to the selected transactions and servicing activities performed by the
Company during the period covered by this report.  Our procedures were not
designed to determine whether errors may have occurred either prior to or
subsequent to our tests that may have affected the balances or amounts
calculated or reported by the Company during the period covered by this
report for the selected transactions or any other transactions. 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 the servicing criteria.

In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria as of and for the twelve month ended
December 31, 2006 is fairly stated, in all material respects.

                                         /s/ KPMG LLP


Chicago, Illinois
February 28, 2007

EX-34.C

KPMG
                KPMG LLP                     Telephone          314 444 1400
                Suite 900                    Fax                314 444 1470
                10 South Broadway            Internet        www.us.kpmg.com
                St. Louis, MO 63102-1761

            Report of Independent Registered Public Accounting Firm

The Board of Directors
Citibank, N.A.:

We have examined management's assessment, included in the accompanying
Management Assessment of Compliance with Applicable Servicing Criteria,
that Citibank, N.A. (the Custodian) complied with servicing criteria
1122(d)(4)(i) and 1122(d)(4)(ii) set forth in paragraph (d) of Item 1122
of the Securities and Exchange Commission's Regulation AB in connection with
the servicing of residential mortgage loans for which the Custodian performs
a custodial function pursuant to a custodial agreement with Citigroup Mortgage
Loan Trust Inc. for post December 31, 2005 transactions (the Platform), as of
and for the year ended December 31, 2006. Management is responsible for the
Custodian's compliance with those servicing criteria. Our responsibility is
to express an opinion on management's assessment about the Custodian's
compliance based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Custodian's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities in
which the Custodian performs a particular servicing function and determining
whether the Custodian processed those selected transactions and performed those
selected activities in compliance with the servicing criteria. Furthermore, our
procedures were limited to the selected transactions and servicing activities
performed by the Custodian during the period covered by this report. Our
procedures were not designed to determine whether errors may have occurred
either prior to or subsequent to our tests that may have affected the balances
or amounts calculated or reported by the Custodian during the period covered by
this report for the selected transactions or any other transactions. We believe
that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the custodian's
compliance with the servicing criteria.

In our opinion, management's assessment that the Custodian complied with
certain servicing criteria outlined in Exhibit A in the accompanying Management
Assessment of Compliance with Applicable Servicing Criteria, as of and for the
year ended December 31, 2006 is fairly stated, in all material respects.

              /s/ KPMG LLP

St. Louis, Missouri
March 19, 2007

EX-34.D

PRICEWATERHOUSECOOPERS
- -----------------------------------------------------------------------------
                                                PricewaterhouseCoopers LLP
                                                PricewaterhouseCoopers Center
                                                300 Madison Avenue
                                                New York NY 10017
                                                Telephone (646) 471 3000
                                                Facsimile (813) 286 6000

           Report of Independent Registered Public Accounting Firm

To the Stockholder of JPMorgan Chase Bank, National Association:

We have examined management's assertion, included In the accompanying
Management's Report on Assessment of Compliance with Applicable Servicing
Criteria, that JPMorgan Chase Bank, National Association (the "Company")
complied with the servicing criteria set forth in Item 1122(d) of the
Securities and Exchange Commission's Regulation AB, as of and for the year
ended December 31, 2006 (the "Reporting Period") for asset-backed securities
transactions backed by subprime residential mortgages serviced on the Loan
Servicing and Accounting Management System I ("LSAMS I") where the related
asset-backed securities were outstanding during the Reporting Period (the
"Platform"), excluding criteria 1122(d)(1)(iii); 1122(d)(2)(i), (ii), (iii),
(iv), (v), (vi), (vii); 1122(d)(3)(i), (ii), (iii), (iv); 1122(d)(4)(iv), (v),
(vi), (vii), (viii), (ix), (x), (xi), (xii), (xiii), (xiv), and (xv), which the
Company has determined are not applicable to the activities performed by it
with respect to the Platform. Management is responsible for the Company's
compliance with the servicing criteria. Our responsibility is to express an
opinion on management's assertion based on our examination.

Our examination was conducted in accordance with 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 and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
selected asset-backed transactions and securities that comprise the Platform,
testing of selected servicing activities related to the Platform, and
determining whether the Company processed those selected transactions and
performed those selected activities in compliance with the applicable servicing
criteria. Our procedures were limited to the selected transactions and
servicing activities performed by the Company during the period covered by this
report. Our procedures were not designed to detect noncompliance arising from
errors that may have occurred prior to or subsequent to our tests that may have
affected the balances or amounts calculated or reported by the Company during
the period covered by this report. 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 the servicing criteria.

In our opinion, management's assertion that the Company complied with the
aforementioned applicable servicing criteria as of and for the year ended
December 31, 2006 for the for asset-backed securities transactions backed by
subprime residential mortgages serviced on the LSAMS I where the related asset-
backed securities were outstanding during the Reporting Period is fairly
stated, in all material respects.

/s/ PricewaterhouseCoopers LLP

February 26, 2007

EX-34.E

Crowe
Crowe Chizek and company LLC
Member Horwath International




             REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM



Audit Committee
Ocwen Loan Servicing, LLC
West Palm Beach, Florida



We have examined management's assertion, included in the accompanying report,
that Ocwen Loan Servicing, LLC (the Company) complied with the servicing
criteria set forth in Item 1122(d) of the U.S. Securities and Exchange
Commission's Regulation AB for the Residential Mortgage Loans Platform (the
"Platform") as of and for the year ended December 31, 2006, excluding
criteria 1122(1)(iii) and 1122(4)(xv), which management has determined are
not applicable to the activities performed by the Company with respect to the
Platform. The Platform consists of the asset-backed transactions and
securities defined by management in Appendix B of Management's Report.
Management is responsible for the Company's compliance with those minimum
servicing standards. 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 the standards
established by the American Institute of Certified Public Accountants, as
adopted by 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 for the Platform
and performing such other procedures as we considered necessary in the
circumstances. Our examination included testing selected asset-backed
transactions and securities constituting the Platform and evaluating whether
the Company performed servicing activities related to those transactions and
securities in compliance with the applicable servicing criteria for the
period covered by this report. Accordingly, our testing may not have included
servicing activities related to each asset-backed transaction or security
constituting the Platform. Further, our examination was not designed to
detect material noncompliance that may have occurred prior to the period
covered by this report and that may have affected the Company's servicing
activities during the period covered by this report. 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 the
applicable servicing criteria.

In our opinion, management's assertion referred to above is fairly stated,
in all material respects, based on the aforementioned applicable servicing
criteria.

                             /s/ Crowe Chizek and Company LLC
                                 Crowe Chizek and Company LLC


Fort Lauderdale, Florida
March 8, 2007

EX-34.F

KPMG

            KPMG LLP
            2500 Ruan Center
            666 Grand Avenue
            Des Moines, IA 50309






          Report of Independent Registered Public Accounting Firm

The Board of Directors
Wells Fargo Bank, N.A.:

We have examined Wells Fargo Bank, N.A.'s (the Company) compliance with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for its primary servicing of residential mortgage
loans by its Wells Fargo Home Mortgage division, other than the servicing of
such loans for Freddie Mac, Fannie Mae, Ginnie Mae, state and local government
bond programs, or a Federal Home Loan Bank (the Platform), except for
servicing criteria 1122(d)(1)(iii) and 1122(d)(4)(xv), which the Company has
determined are not applicable to the activities it performs with respect to
the Platform, as of and for the year ended December 31, 2006. Management is
responsible for the Company's compliance with those servicing criteria. Our
responsibility is to express an opinion on the Company's compliance based on
our examination.

Our examination was conducted in accordance with the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Company processed those
selected transactions and performed those selected activities in compliance
with the servicing criteria. Furthermore, our procedures were limited to the
selected transactions and servicing activities performed by the Company during
the period covered by this report. Our procedures were not designed to
determine whether errors may have occurred either prior to or subsequent to
our tests that may have affected the balances or amounts calculated or
reported by the Company during the period covered by this report for the
selected transactions or any other transactions. 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 the
servicing criteria.

Our examination disclosed the following instances of material noncompliance
with certain servicing criteria applicable to the Company during the year
ended December 31, 2006:

1. l122(d)(3)(i) - Delinquency Reporting - The Company provided incomplete
   data to some third parties who use such data to calculate delinquency
   ratios and determine the status of loans with respect to bankruptcy,
   foreclosure or real estate owned. Instead of the actual due date being
   provided for use in calculating delinquencies, the date of the first
   payment due to the security was provided.

2. 1122(d}(4)(vii) - Notification of Intent to Foreclose - The Company, as
   required by certain servicing agreements, did not provide investors with
   prior notification of intent to foreclose.



            KPMG LLP a U.S. limited viability partnership, is the U.S.
            member form of KPMG International, a Swiss cooperative.










KPMG






As described in the accompanying 2006 Certification Regarding Compliance with
Applicable Servicing Criteria, for servicing criteria 1122(d)(2)(i),
1122(d)(2)(vi), 1122(d)(4)(iv), 1122(d)(4)(xi), and 1122(d)(4)(xiii), the
Company has engaged various vendors to perform the activities required by
these servicing criteria. The Company has determined that these vendors are
not considered "servicers" 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 each vendor as permitted by
Interpretation 17.06 of the SEC Division of Corporation Finance Manual of
Publicly Available Telephone Interpretations ("Interpretation 17.06"), with
the exception of those vendors who have provided their own reports on
assessment of compliance with servicing criteria to the Company, for which the
Company does not take such responsibility. 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 vendors' activities comply
in all material respects with the servicing criteria applicable to each
vendor. The Company is solely responsible for determining that it meets the
SEC requirements to apply Interpretation 17.06 for the vendors 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.


In our opinion, except for the instances of material noncompliance described
above, the Company complied, in all material respects, with the
aforementioned servicing criteria as of and for the year ended December 31,
2006.

                                  /s/ KPMG LLP


Des Moines, Iowa
March 1, 2007

EX-34.G

                           KPMG LLP
                           303 East Wacker Drive
                           Chicago, IL 60601-5212


              Report of Independent Registered Public Accounting Firm


The Board of Directors
The Corporate Trust Services division of Wells Fargo Bank National Association:

We have examined management's assertion, included in the accompanying Appendix
I, that the Document Custody section of the Corporate Trust Services division
of Wells Fargo Bank National Association complied with the servicing criteria
set forth in Item 1122(d) of the Securities and Exchange Commission's
Regulation AB for publicly-issued (i.e., transaction-level reporting required
under the Securities Exchange Act of 1934, as amended) residential
mortgagebacked securities and commercial mortgage-backed securities issued on
or after January 1, 2006 for which the Company provides document custody
services, excluding any publicly issued transactions issued by any government
sponsored entity (the Platform) as of and for the twelve months ended
December 31, 2006. Management has determined that servicing criteria
1122(d)(4)(i) and 1122(d)(4)(ii) are applicable to the activities it performs
with respect to the Platform, and that all other servicing criteria set forth
in Item 1122(d) are not applicable to the document custody services provided
by the Company with respect to the Platform. Management is responsible for the
Company's compliance with those 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 the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Company processed those
selected transactions and performed those selected activities in compliance
with the servicing criteria. Furthermore, our procedures were limited to the
selected transactions and servicing activities performed by the Company during
the period covered by this report. Our procedures were not designed to
determine whether errors may have occurred either prior to or subsequent to
our tests that may have affected the balances or amounts calculated or
reported by the Company during the period covered by this report for the
selected transactions or any other transactions. 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 the
servicing criteria.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria as of and for the period ended December 31,
2006 is fairly stated, in all material respects.


                   /s/ KPMG LLP

Chicago, Illinois
March 1, 2007








     KPMG LLP, a U.S. limited Liability partnership, is the U.S, member
             firm of KPMG International, a Swiss cooperative.

EX-34.H

PRICEWATERHOUSECOOPERS
- --------------------------------------------------------------------------------
                                                     PricewaterhouseCoopers LLP
                                                     10 Tenth Street, Northwest
                                                     Suite 1400
                                                     Atlanta, GA 30309-3851
                                                     Telephone: (678) 419 1000
                                                     Facsimile:  (678) 419 1239
                                                     www.pwc.com



          Report of Independent Registered Public Accounting Firm

To the Shareholders and the
Board of Directors of Assurant, Inc.


We have examined American Security Insurance Company, Standard Guaranty
Insurance Company and TrackSure Insurance Agency, Inc. (formerly, "Safeco
Financial Institution Solutions, Inc")'s (affiliates of Assurant Inc.,
collectively, the "Asserting Party") compliance with the servicing criteria
set forth in Item 1122(d) of the Securities and Exchange Commission's
Regulation AB for all the mortgage loan-tracking transactions for such asset-
backed securities transactions that were registered after January 1, 2006 with
the Securities and Exchange Commission pursuant to the Securities Act of 1933
(the "Platform") described in the accompanying "Restated Report on Assessment
of Compliance with 1122(d)(2)(vi), 1122(d)(4)(xi) and 1122(d)(4)(xii) of
Regulation AB Servicing Criteria", as of December 31, 2006 and for the year
then ended (the "Reporting Period"), excluding criteria 1122(d)(1)(i)-(iv),
1122(d)(2)(i)-(v), 1122(d)(2)(vii), 1122(d)(3)(i)-(iv), 1122(d)(4)(i)-(x) and
1122(d)(4)(xiii)-(xv), which the Asserting Party has determined are not
applicable to the servicing activities performed by it with respect to the
Platform.  Management is responsible for compliance with the servicing
criteria.  Our responsibility is to express an opinion on the Management's
compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Asserting Party's compliance
with the applicable servicing criteria and performing such other procedures
as we considered necessary in the circumstances.  Our examination included
testing of selected asset-backed transactions and securities that comprise
the Platform, testing of selected servicing activities related to the
Platform, and determining whether the Asserting Party processed those
selected transactions and performed those selected activities in compliance
with the applicable servicing criteria.  Our procedures were limited to the
selected transactions and servicing activities performed by the Asserting
Party during the period covered by this report.  Our procedures were not
designed to detect noncompliance arising from errors that may have occurred
prior to or subsequent to our tests that may have affected the balances
or amounts calculated or reported by the Asserting Party during the period
covered by this report.  We believe that our examination provides a
reasonable basis for our opinion.  Our examination does not provide a legal
determination on the Asserting Party's compliance with the servicing criteria.

The Asserting Party previously excluded the applicable servicing criteria set
forth in 1122(d)(4)(xii) from the scope of its assessment of compliance.  The
Asserting Party has now assessed its compliance with the servicing criterion
1122(d)(4)(xii) for the Reporting Period and has identified material
noncompliance with that servicing criterion.  Our examination also disclosed
material noncompliance with the servicing criterion.  Specifically, the
Asserting Party did not have, during the reporting period, sufficient
policies and procedures to capture the information with respect to the
Platform necessary to determine whether 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 are not charged to the obligor, unless the late
payment was due to the obligor's error or omission.  The Asserting Party has
restated its previous assessment for the Reporting Period, which excluded
evaluation of the criterion, to include the criterion and reflect the material
noncompliance as a result of its assessment.  Accordingly, our present opinion
of the Asserting Party's compliance with the applicable servicing criteria, as
presented herein, is different from that expressed in our previous report.

In our opinion, except for the material noncompliance described in the
preceding paragraph, the Asserting Party complied with the aforementioned
applicable servicing criteria as of and for the year ended December 31, 2006
for the Platform, in all material respects.

/s/ PRICEWATERHOUSECOOPERS LLP


February 23, 2007, except for the Asserting Party's restatement described
above regarding the assessment of the servicing criteria set forth in
1122(d)(4)(xii) which was previously excluded from the scope of its assessment
of compliance with applicable servicing criteria, as to which the date is
January 30, 2008.

                                    -2-

EX-34.I

KPMG
                         KPMG LLC
                         1601 Market Street
                         Philadelphia, PA 19103-2499


              Report of Independent Registered Public Accounting Firm

The Board of Members
Regulus Group LLC:

We have examined management's assessment for those customers that management
has informed us have requested confirmation of compliance, included in the
accompanying Report on Assessment of Compliance with Regulation AB Servicing
Criteria, that Regulus Group LLC complied with the servicing criteria set forth
in Item 1122(d)(2)(i) and 1122(d)(4)(iv) of the Securities and Exchange
Commission's Regulation AB for remittance processing services to those issuers
of asset backed securities and servicers of loan and/or receivables portfolios
that include pool assets for asset backed securities transactions (the Platform)
as of and for the year ended December 31, 2006. Regulus Group LLC has determined
that the remainder of the servicing criteria are not applicable to the
activities it performs with respect to the Platform as of and for the year ended
December 31, 2006. Management is responsible for the Company's compliance with
those servicing criteria. Our responsibility is to express an opinion on
management's assessment about the Company's compliance based on our examination.

Our examination was conducted in accordance with the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the individual asset-backed transactions and securities that
comprise the Platform, testing of less than all of the servicing activities
related to the Platform, and determining whether the Company processed those
selected transactions and performed those selected activities in compliance with
the servicing criteria Furthermore, our procedures were limited to the selected
transactions and servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether
errors may have occurred either prior to or subsequent to our tests that may
have affected the balances or amounts calculated or reported by the Company
during the period covered by this report for the selected transactions or any
other transactions. 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 the servicing criteria.

In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31, 2006
is fairly stated, in all material respects.

                               /s/ KPMG LLP

Philadelphia, PA
February 22, 2007



           KPMG LLP, a U.S. Limitied Liability partnership in the U.S.
           member firm of KPMG International, a Swiss cooperative

EX-34.J

PRICEWATERHOUSECOOPERS



                                            PricewaterhouseCoopers.LLP
                                            Suite 1800
                                            2001 Ross Ave.
                                            Dallas TX 75201-2997
                                            Telephone (214) 999 1400
                                            Facsimile (214) 754 7991
                                            www.pwc.com


           Report of Independent Registered Public Accounting Firm


To the Board of Directors of The First American Corporation:

We have examined First American Real Estate Solutions of Texas, L.P.'s (the
"Company" and an indirect subsidiary of The First American Corporation),
compliance with the servicing criteria set forth in Item 1122(d) of the
Securities and Exchange Commission's Regulation AB for all loans for
residential mortgage loan outsourcing customers for which the Company served
as the residential tax service provider (the "Platform") described in the
accompanying Report on Assessment of Compliance, as of (December 31, 2006 and
for the year then ended, excluding criteria 1122(d)(1)(i)-(iii), 1122(d)(2)
(i)-(iv), 1122(d)(3)(i)-(iv), 1122(d)(4)(i)-(x) and 1122(d)(4)(xiv)-(xv),
which the Company has determined are not applicable to the servicing
activities performed by it with respect to the Platform. Management is
responsible for the Company's compliance with the servicing criteria. Our
responsibility is to express an opinion on the Company's compliance with the
servicing criteria based on our examination.

Our examination was conducted in accordance with 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 and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of selected securities that comprise the Platform, testing of selected
servicing activities related to the Platform, and determining whether the
Company processed those selected transactions and performed those selected
activities in compliance with the applicable servicing criteria. Our
procedures were limited to the selected transactions and servicing activities
performed by the Company during the period covered by this report. Our
procedures were not designed to detect noncompliance arising from errors that
may have occurred prior to or subsequent to our tests that may have affected
the balances or amounts calculated or reported by the Company during the
period covered by this report. 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 the servicing criteria.

Our examination disclosed the following material instance of noncompliance
with the servicing criteria set forth in Item 1122(d)(2)(vii)(B) of Regulation
AB applicable to the Company during year ended December 31, 2006. Account
reconciliations for all asset-backed securities related bank accounts were not
prepared within 30 calendar days after the bank statement cutoff date, or such
other number of days specified in the transaction agreements as required by
Item 1122(d)(2)(vii)(B) of Regulation AB.

In our opinion, except for the material instance of noncompliance described
in the preceding paragraph, First American Real Estate Solutions of Texas,
L.P. complied with the aforementioned applicable servicing criteria as of and
for the year ended December 31,.2006 for all loans for residential mortgage
loan outsourcing customers for which the Company served as the residential
tax service provider, in all material respects.


/s/  PricewaterhouseCoopers LLP


February 28, 2007

EX-34.K

ERNST & YOUNG

                           Ernst & Young LLP            Phone: (404) 874-8300
                           Suite 2800                   www.ey.com
                           600 Peachtree Street
                           Atlanta, Georgia 30308-2215



            Report of Independent Registered Public Accounting Firm

We have examined management's assertion, included in the accompanying Report
on Assessment of Compliance with Securities and Exchange Commission's
Regulation AB Servicing Criteria, that ZC Sterling Insurance Agency, Inc.
(the Company) complied with certain servicing criteria set forth in Item 1122
(d) of the Securities and Exchange Commission's Regulation AB for the ZC
Sterling Integrated Product Solution (ZIPS) hazard insurance outsourcing
Platform (Platform) as of and for the year ended December 31, 2006. The
Company has determined that only certain 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 them with respect to the Platform
covered by this report. The Company has determined that 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
them with respect to the Platform covered by this report. See Appendix A of
management's assertion for the Platform covered by this report. Management
is responsible for the Company's compliance with those servicing criteria.
Our responsibility is to express an opinion on management's assertion about
the Company's compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with 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 and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing of
less than all of the servicing activities related to the Platform, and
determining whether the Company performed those selected activities in
compliance with the servicing criteria. Furthermore, our procedures were
limited to the servicing activities performed by the Company during the period
covered by this report. Our procedures were not designed to determine whether
errors may have occurred either prior to or subsequent to our tests that may
have affected the balances or amounts calculated or reported by the Company
during the period covered by this report for the Platform. 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 the
servicing criteria.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31,
2006 for the ZIPS Platform is fairly stated, in all material respects.

                                               /s/ Ernst & Young LLP

February 20, 2007


                 A Member Practice of Ernst & Young Global

EX-34.L

PRICEWATERHOUSECOOPERS
- --------------------------------------------------------------------------------
                                                     PricewaterhouseCoopers LLP
                                                     10 Tenth Street, Northwest
                                                     Suite 1400
                                                     Atlanta, GA 30309-3851
                                                     Telephone: (678) 419 1000
                                                     Facsimile:  (678) 419 1239
                                                     www.pwc.com



          Report of Independent Registered Public Accounting Firm

To the Shareholders and the
Board of Directors of Assurant, Inc.


We have examined American Security Insurance Company, Standard Guaranty
Insurance Company and TrackSure Insurance Agency, Inc. (formerly, "Safeco
Financial Institution Solutions, Inc")'s (affiliates of Assurant Inc.,
collectively, the "Asserting Party") compliance with the servicing criteria
set forth in Item 1122(d) of the Securities and Exchange Commission's
Regulation AB for all the mortgage loan-tracking transactions for such asset-
backed securities transactions that were registered after January 1, 2006 with
the Securities and Exchange Commission pursuant to the Securities Act of 1933
(the "Platform") described in the accompanying "Restated Report on Assessment
of Compliance with 1122(d)(2)(vi), 1122(d)(4)(xi) and 1122(d)(4)(xii) of
Regulation AB Servicing Criteria", as of December 31, 2006 and for the year
then ended (the "Reporting Period"), excluding criteria 1122(d)(1)(i)-(iv),
1122(d)(2)(i)-(v), 1122(d)(2)(vii), 1122(d)(3)(i)-(iv), 1122(d)(4)(i)-(x) and
1122(d)(4)(xiii)-(xv), which the Asserting Party has determined are not
applicable to the servicing activities performed by it with respect to the
Platform.  Management is responsible for compliance with the servicing
criteria.  Our responsibility is to express an opinion on the Management's
compliance with the servicing criteria based on our examination.

Our examination was conducted in accordance with standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Asserting Party's compliance
with the applicable servicing criteria and performing such other procedures
as we considered necessary in the circumstances.  Our examination included
testing of selected asset-backed transactions and securities that comprise
the Platform, testing of selected servicing activities related to the
Platform, and determining whether the Asserting Party processed those
selected transactions and performed those selected activities in compliance
with the applicable servicing criteria.  Our procedures were limited to the
selected transactions and servicing activities performed by the Asserting
Party during the period covered by this report.  Our procedures were not
designed to detect noncompliance arising from errors that may have occurred
prior to or subsequent to our tests that may have affected the balances
or amounts calculated or reported by the Asserting Party during the period
covered by this report.  We believe that our examination provides a
reasonable basis for our opinion.  Our examination does not provide a legal
determination on the Asserting Party's compliance with the servicing criteria.

The Asserting Party previously excluded the applicable servicing criteria set
forth in 1122(d)(4)(xii) from the scope of its assessment of compliance.  The
Asserting Party has now assessed its compliance with the servicing criterion
1122(d)(4)(xii) for the Reporting Period and has identified material
noncompliance with that servicing criterion.  Our examination also disclosed
material noncompliance with the servicing criterion.  Specifically, the
Asserting Party did not have, during the reporting period, sufficient
policies and procedures to capture the information with respect to the
Platform necessary to determine whether 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 are not charged to the obligor, unless the late
payment was due to the obligor's error or omission.  The Asserting Party has
restated its previous assessment for the Reporting Period, which excluded
evaluation of the criterion, to include the criterion and reflect the material
noncompliance as a result of its assessment.  Accordingly, our present opinion
of the Asserting Party's compliance with the applicable servicing criteria, as
presented herein, is different from that expressed in our previous report.

In our opinion, except for the material noncompliance described in the
preceding paragraph, the Asserting Party complied with the aforementioned
applicable servicing criteria as of and for the year ended December 31, 2006
for the Platform, in all material respects.

/s/ PRICEWATERHOUSECOOPERS LLP


February 23, 2007, except for the Asserting Party's restatement described
above regarding the assessment of the servicing criteria set forth in
1122(d)(4)(xii) which was previously excluded from the scope of its assessment
of compliance with applicable servicing criteria, as to which the date is
January 30, 2008.

                                    -2-

EX-34.M

KPMG



                         KPMG LLP
                         303 East Wacker Drive
                         Chicago, IL 60601-5212


            Report of Independent Repistered Public Accounting Firm



The Board of Directors
The Trust & Securities Services department of Deutsche Bank National Trust
      Company and Deutsche Bank Trust Company Americas:

We have examined management's assertion, included in the accompanying Appendix
I, that the Trust & Securities Services department of Deutsche Bank National
Trust Company and Deutsche Bank Trust Company Americas (collectively the
"Company") complied with the servicing criteria set forth in Item 1122(d) of
the Securities and Exchange Commission's Regulation AB for publicly-issued
(i.e., transaction-level reporting required under the Securities Exchange Act
of 1934, as amended) residential mortgage-backed securities and other asset-
backed securities issued on or after January 1, 2006, for which the Company
provides trustee, securities administration or paying agent services,
excluding any publicly issued transactions, sponsored or issued by any
government sponsored entity (the Platform), except for servicing criteria
1122(d)(2)(iii), 1122(d)(4)(iv), I122(d)(4)(v), I122(d)(4)(vi), 1122(d)
(4)(vii), I122(d)(4)(viii), I122(d)(4)(ix), I122(d)(4)(x), I122(d)(4)(xi),
1122(d)(4)(xii), I122(d)(4)(xiii) and 1122(d)(4)(xiv), which the Company has
determined are not applicable to the activities it performs with respect to
the Platform, as of and for the twelve months ended December 31, 2006.
Management is responsible for the Company's compliance with those 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 the 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
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of less than all of the individual asset-backed transactions and securities
that comprise the Platform, testing of less than all of the servicing
activities related to the Platform, and determining whether the Company
processed those selected transactions and performed those selected activities
in compliance with the servicing criteria. Furthermore, our procedures were
limited to the selected transactions and servicing activities performed by
the Company during the period covered by this report. Our procedures were
not designed to determine whether errors may have occurred either prior to
or subsequent to our tests that may have affected the balances or amounts
calculated or reported by the Company during the period covered by this
report for the selected transactions or any other transactions. 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 the servicing criteria.

As described in management's assertion included in the accompanying Appendix
I, for servicing criteria 1122 (d)(2)(i), 1122 (d)(4)(i) and I122(d)(4)(ii),
the Company has engaged various vendors to perform the activities required by
these servicing criteria. The Company has determined that these vendors am
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 each vendor as permitted by
Interpretation 17.06 of the SEC





           KPMG LLP, a U.S. limited liability partnership, Is The
              U.S. member firm of KPMG International, a Swiss Cooperative.


















KPMG




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 vendors' activities comply
in all material respects with the servicing criteria applicable to each
vendor. The Company is solely responsible for determining that it meets the
SEC requirements to apply Interpretation 17.06 for the vendors 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.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria, including servicing criteria 1122
(d)(2)(i), 1122 (d)(4)(i) and 1122(d)(4)(ii) for which compliance is
determined based on Interpretation 17.06 as described above, as of and
for the twelve months ended December 31, 2006 is fairly stated, in all
material respects.


                             /s/ KPMG LLP



Chicago, Illinois
February 28, 2007

EX-34.N

KPMG

         100 North Tampa Street
         Suite 1700
         Tampa, FL 33602



         Report of Independent Registered Public Accounting Firm


The Board of Directors
Fidelity National Information Services, Inc
FIS Tax Services (FIS)

We have examined management's assessment, included in the accompanying
Management Compliance Statement that FIS Tax Services (FIS) complied with
the servicing criteria set forth in Item 1122(d) of the Securities and
Exchange Commission's Regulation to residential mortgage loans (the
Platform), except for General Servicing Consideration criteria (i) - (iv),
Cash Collections and Administration (i) - (vii), Investor Remittances and
Reporting (i) - (iv), and Pool Asset Administration (i) - (x), (xiv), and
(xv), which FIS has determined are not applicable to the activities it
performs with respect to the Platform , as of and for the period ending
December 31, 2006. FIS has determined the following servicing criteria
from 1122(d) (4) were applicable to the activities it performs with respect
to the Platform.

(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.

(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.

(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.

Management is responsible for FIS' compliance with those servicing criteria.
Our responsibility is to express an opinion on management's assessment about
FIS' compliance based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about FIS' compliance with the servicing
criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of less than all of the individual residential mortgage loans that comprise
the Platform, testing of less than all of the servicing activities related to
the Platform, and

determining whether FIS processed those selected transactions and performed
those selected activities in compliance with the servicing criteria.
Furthermore, our procedures were limited to the selected transactions and
servicing activities performed by FIS during the period covered by this
report. Our procedures were not designed to determine whether errors may have
occurred either prior to or subsequent to our tests that may have affected
the balances or amounts calculated or reported by FIS during the period
covered by this report for the selected transactions or any other
transactions. We believe that our examination provides a reasonable basis
for our opinion. Our examination does not provide a legal determination on
FIS' compliance with the servicing criteria.

In our opinion, management's assessment that FIS complied with the
aforementioned servicing criteria as of and for the year ended December
31, 2006 is fairly stated, in all material respects.

   /s/ KPMG LLP

Tampa, Florida
January 22, 2007





          KPMG LLP, a U.S. limited liability partnership,
          is the U.S. member firm of KPMG International,
          A Swiss cooperative

EX-34.O

KPMG

KPMG LLP
Suite 700
600 Anton Boulevard
Costa Mesa, CA 92626-7651

 Report of Independent Registered Public Accounting Firm


The Board of Directors
New Century Mortgage Corporation, a wholly owned subsidiary
of New Century Financial Corporation:

We were engaged to examine New Century Mortgage Corporation's
(the Company) compliance with the servicing criteria set forth
in Item 1122(d) of the Securities and Exchange Commission's
(SEC) Regulation AB, to the extent applicable for the Company
as set forth in Appendix A to Management's Certification
Regarding Compliance with Applicable Servicing Criteria
(Management's Assessment), as of and for the year ended December
31, 2006, for loans serviced by the Company that were included
in publicly issued mortgage-backed security transactions issued
on or after January 1, 2006 (the Platform). We were not engaged
to examine the Company's compliance with servicing criteria
1122(d)(1)(iii), 1122(d)(3)(i)(C),1122(d)(3)(ii)-(iv),
1122(d)(4)(i)-(ii), 1122(d)(4)(xi)-(xii), and 1122(d)(4)(xv),
and servicing criteria 1122(d)(2)(i) and 1122(d)(4)(iv) only as
they relate to the initial processing of cash receipts at the
lockbox, which the Company has determined are not applicable to
the activities it performs with respect to the Platform, as of
and for the year ended December 31, 2006. Appendix B to
Management's Assessment identifies the individual mortgage-backed
security transactions defined by management as constituting the
Platform. Management is responsible for the Company's compliance
with the aforementioned servicing criteria.

Management has identified the following instances of material
noncompliance with the applicable servicing criteria set forth
in Item 1122(d) of the SEC's Regulation AB as of and for the
year ended December 31, 2006, for loans serviced by the Company
that were included in publicly issued mortgage-backed security
transactions issued on or after January 1, 2006:

     Servicing criteria 1122(d)(1)(ii). The Company did not
     have adequate policies and procedures in place to monitor
     the material servicing activities outsourced to the third
     party performing the initial processing of cash receipts at
     the lockbox.

     Servicing criteria 1122(d)(1)(iv). The Company did not
     maintain adequate fidelity bond coverage.

     Servicing criteria 1122(d)(2)(vii)(B). The Company did not
     complete bank account reconciliations within the time
     required.

     Servicing criteria 1122(d)(4)(vi). The Company did not
     review and approve changes to the terms or status of an
     obligor's pool asset as required by the respective
     transaction agreements and related pool asset documents.


       KPMG LLP, a U.S. limited liability partnership, is the
          U.S.member firm of KPMG International, a Swiss
                            cooperative.



     Servicing criteria 1122(d)(4)(vii). The Company did not:

      -     Initiate, conduct and conclude loss mitigation or
            recovery actions within time frames or other
            requirements of the respective transaction
            agreements;

      -     Execute forbearance plans as required by the
            respective transaction agreements;

      -     Execute pre-foreclosure sales or short payoffs
            resulting from the acceptance of funds in an amount
            that is less than the total
            borrower indebtedness as required by the respective
            transaction agreements; and

      -     Execute foreclosures as required by the respective
            transaction agreements.

Management has concluded that, due to the above instances of
material noncompliance, the Company did not comply with the
servicing criteria set forth in Item 1122(d) of the SEC's
Regulation AB as of and for the year ended December 31, 2006,
for loans serviced by the Company that were included in publicly
issued mortgage-backed security transactions issued on or after
January 1, 2006.

New Century Financial Corporation's (New Century) audit
committee has initiated an independent investigation into the
issues giving rise to New Century's need to restate its 2006
interim financial statements, as well as the issues pertaining
to New Century's valuation of residual interests in
securitizations in 2006 and prior periods. This investigation
has not yet been completed and, accordingly, we were not able
to perform procedures necessary to complete our examination of
New Century Mortgage Corporation's compliance with the servicing
criteria set forth in Item 1122(d) of the SEC's Regulation AB
for loans serviced by the Company that were included in publicly
issued mortgage-backed security transactions issued on or after
January 1, 2006. Had we been able to perform procedures
necessary to complete our examination, additional instances of
material noncompliance with the applicable servicing criteria
may have been identified.

Because of the restriction on the scope of our examination
discussed in the preceding paragraph, the scope of our work was
not sufficient to enable us to express, and we do not express,
an opinion on whether New Century Mortgage Corporation is in
compliance with the servicing criteria set forth in Item
1122(d) of the Securities and Exchange Commission's Regulation
AB.

New Century has disclosed that it has received numerous notices
from lenders alleging that certain events of default have
occurred as defined in certain Master Repurchase Agreements
and other borrowing agreements, and that these lenders have
accelerated New Century's obligation to repurchase all
outstanding mortgage loans financed under those agreements
and terminated those agreements.

New Century has disclosed that, due to lack of liquidity, it has
been unable to meet a number of those repurchase requests. As a
result, New Century has elected to cease accepting loan
applications from prospective borrowers.

In addition, New Century has previously disclosed that it has
received cease and desist orders from several states and entered
into consent agreements with several of these states. The orders
and consent agreements seek to restrict New Century and certain
of its subsidiaries from taking certain actions, including
among others, engaging in alleged violations of state law and
taking new applications for mortgage loans in the relevant
jurisdictions. The orders and consent agreements also seek to
cause the subsidiaries to affirmatively take certain actions,
including the creation of escrow accounts to hold fees relating
to pending applications, the transfer to other lenders of the
outstanding mortgage applications and unfunded mortgage loans
held by subsidiaries, and the provision of regular information
to state regulators regarding the subsidiaries' activities in
the applicable state, including the status of all outstanding
mortgage applications and unfunded mortgage loans in that state.
New Century also has disclosed that the State of New York has
suspended its mortgage banking license in that state.


New Century has received a Notice of Breach and Termination of
Mortgage Selling and Servicing Contract from the Federal
National Mortgage Association (Fannie Mae). In its notice,
Fannie Mae purports to terminate its Mortgage Selling and
Servicing Contract with New Century (the Fannie Mae Contract)
for cause, based on alleged breaches of the Fannie Mae Contract
as well as alleged breaches by New Century under other contracts
with Fannie Mae. As a result of the termination, New Century is
no longer able to sell mortgage loans directly to Fannie Mae or
act as the primary servicer of any mortgage loans for Fannie
Mae. New Century also notified the Federal Home Loan Mortgage
Corp. (Freddie Mac) that it was voluntarily terminating its
eligibility with Freddie Mac. As a result of this termination,
New Century and its subsidiaries are no longer able to sell
mortgage loans directly to Freddie Mac or act as the primary
servicer of any mortgage loans for Freddie Mac.

On April 2, 2007, New Century filed voluntary petitions (the
Bankruptcy Filings) for reorganization under Chapter 11 of the
United States Bankruptcy Code (the Bankruptcy Code) in the
United States Bankruptcy Court for the District of Delaware
(the Bankruptcy Court). New Century will continue to operate
their businesses as "debtors-in-possession" under the
jurisdiction of the Bankruptcy Court and in accordance with the
applicable provisions of the Bankruptcy Code and orders of the
Bankruptcy Court. Further, on April 2, 2007, New Century entered
into an Asset Purchase Agreement with Carrington Capital
Management, LLC and its affiliate (Carrington) for the sale of
its servicing assets and servicing platform to Carrington. The
consummation of the transaction is subject to approval by the
Bankruptcy Court.

The matters discussed in the four preceding paragraphs,
including their respective resolution, raise substantial doubt
about New Century's ability to continue as a going concern.
Resolution of the uncertainty associated with New Century's
ability to continue as a going concern may have a material and
adverse effect on the Company's ability to fulfill its existing
loan servicing obligations, including those associated with
publicly issued mortgage-backed security transactions issued on
or after January 1, 2006.

/s/  KPMG LLP

Costa Mesa, California
April 4, 2007

EX-35.A

                                     CHASE


                        SUBSERVICER COMPLIANCE STATEMENT


RE: CMLTI 2006-HE3: The Pooling and Servicing Agreement by and among
Countrywide Home Loans Servicing LP as Servicer, Ocwen Loan Servicing, LLC as
Servicer, Wells Fargo Bank, NA as Servicer, U.S. Bank, NA. as Trustee,
Citibank, NA as Trustee Administrator, Citigroup Mortgage Loan Trust Inc. as
Depositor, and JPMorgan Chase Bank NA as Servicer (the "Agreement")


The undersigned, each a duly authorized officer of Chase Home Finance LLC
("CHF"), do hereby certify that:


             (1)   CHF is a Subservicer under the Agreement

             (2)   A review of the activities of CHF during the calendar year
ending December 31, 2006 and of the performance of CHF under the Agreement has
been made under our supervision; and

             (3)   To the best of our knowledge, based on such review, CHF has
fulfilled all its obligations under the Agreement in all material respects
throughout such year.

Capitalized terms used but not defined herein shall have the meanings assigned
in the Agreement.


Date: 02/28/2007

                                          Chase Home Finance LLC,
                                          as Subservicer

                                          By:/s/ Kim Greaves
                                          ---------------------------
                                          Name: Kim Greaves
                                          Title: Senior Vice President
                                          Servicing Manager

                                          By:/s/ Jim Miller
                                          ---------------------------
                                          Name: Jim Miller
                                          Title: Senior Vice President
                                          Default Servicing Manager

EX-35.B

                                    CHASE



                        SERVICER COMPLIANCE STATEMENT


RE. CMLTI 2006-HE3: The Pooling and Servicing Agreement by and among
      Countrywide Home Loan Servicing LP as Servicer, J.P. Morgan Chase Bank,
      NA c/o CHF LLC as Servicer, Ocwen Loan Servicing, LLC as Servicer, Wells
      Fargo Bank, NA as Servicer, U.S. Bank, NA as Trustee, Citibank, NA as
      Trustee Administrator, Citigroup Mortgage Loan Trust Inc. as Depositor,
      and JPMorgan Chase Bank NA as Servicer (the "Agreement")


The undersigned, a duly authorized officer of JPMorgan Chase Bank, National
Association, as servicer (the "Servicer") pursuant to the CMLTI 2006 HE3 (the
"Agreement"), does hereby certify that:

             (1)   A review of the activities of the Servicer during the
calendar year ending December 31, 2006 and of the performance of the Servicer
under the Agreement has been made under my supervision; and

             (2)   To the best of my knowledge, based on such review, the
Servicer has fulfilled all its obligations under the Agreement in all material
respects throughout such year.


Date: 02/28/2007
                                             JPMorgan Chase Bank
                                             National Association
                                             As Servicer

                                             By:/s/ David Lowman
                                             ---------------------
                                             Name: David Lowman
                                             Title: Executive Vice President

EX-35.C

                                 O C W E N




                       ANNUAL SERVICER COMPLIANCE STATEMENT
                       PURSUANT TO ITEM 1123 OF REGULATION AB

March 8, 2007

RE: CMLTI 2006-HE3

For the fiscal year ended December 31, 2006 (the "Reporting Period"), Ocwen
Loan Servicing, LLC ("OLS") furnishes this annual servicer compliance
statement pursuant to Item 1123 of Regulation AB, indicating its compliance
with the servicing standards of the Securities & Exchange Commission as set
forth in Regulation AB, 17 CFR 229.1100, et seq., ("Regulation AB"). In this
regard, I make the following representations. which are true to the best of
my knowledge and belief in all material respects.

1.  A review of the servicing activities of OLS during the Reporting Period,
    and of its performance under the Pooling and Servicing Agreement dated as
    of December 1, 2006 (the "Agreement"), has been performed under my
    supervision.

2.  To the best of my knowledge, based on this review, OLS has fulfilled all
    of its obligations under the Agreement in all material respects throughout
    the Reporting Period.


                                               By: /s/ Ronald M. Faris
                                                   -------------------
                                               Name: Ronald M. Faris
                                               Title: President




                     Ocwen Loan Servicing LLC
                 1661 Worthington Road Suite 100
                       Centrepark West
                  West Palm Beach, FL 33409

EX-35.D

WELLS  HOME                                  Wells Fargo Home Mortgage
FARGO  MORTGAGE                              One Home Campus
                                             Des Moines, IA 50328-0001



                     Wells Fargo Bank, N.A.

                  Servicer Compliance Statement


1. I, John B. Brown, Senior Vice President of Wells Fargo Bank, N.A. ("Wells
Fargo") hereby state that a review of the activities of Wells Fargo during the
calendar year 2006 and of Wells Fargo's performance under the servicing
agreement(s) listed on the attached Exhibit A (the "Servicing Agreement(s)")
has been made under my supervision.

2. To the best of my knowledge, based on such review, Wells Fargo has
fulfilled all of its obligations under the Servicing Agreement(s) in all
material respects throughout 2006.

/s/John B. Brown
- ----------------
John B. Brown
Senior Vice President
Wells Fargo Bank, N.A.




March 1, 2007



                                               Wells Fargo Home Mortgage
                                   is a division of Wells Fargo Bank, NA


EXHIBIT A




                                                               MASTER SERVICER/
  CLIENT          INV#               INV                          TRUSTEE              DEALNAME
- --------------------------------------------------------------------------------------------------------------------------------
                                                                           
106               C15        CITIGRP PMSR CMLTI 06-HE2           CITIGROUP        CMLTI 2006-HE2
- --------------------------------------------------------------------------------------------------------------------------------
106               C20        CITIGROUP PMSR CMLT106HE3           CITIGROUP        CMLTI 2006-HE3
- --------------------------------------------------------------------------------------------------------------------------------
                             CITIGROUP PMSR
106               C18        CMLTI06NC2                          CITIGROUP        CMLTI 2006-NC2
- --------------------------------------------------------------------------------------------------------------------------------
708               C18        CITIGROUP                           CITIGROUP        CMLTI 2006-NC2
- --------------------------------------------------------------------------------------------------------------------------------
708               B51        CITIGROUP                           CITIGROUP        CMLTI 2006-WF1
- --------------------------------------------------------------------------------------------------------------------------------
708               B67        CITIGROUP                           CITIGROUP        CMLTI 2006-WF2
- --------------------------------------------------------------------------------------------------------------------------------
708               B33        CITIGROUP                           CITIGROUP        CMLTI 2006-WFHE1
- --------------------------------------------------------------------------------------------------------------------------------
708               438        CITIGROUP                           CITIGROUP        CMLTI 2006-WFHE2
- --------------------------------------------------------------------------------------------------------------------------------
708               C15        CITIGROUP                           CITIGROUP        CMLTI 2006-WFHE2
- --------------------------------------------------------------------------------------------------------------------------------
708               823        CITIGROUP                           CITIGROUP        CMLTI 2006-WFHE3
- --------------------------------------------------------------------------------------------------------------------------------
708               837        CITIGROUP                           CITIGROUP        CMLTI 2006-WFHE4
- --------------------------------------------------------------------------------------------------------------------------------
                             CITIGROUP PMSR
106               C06        CMLTI06WMC                          CITIGROUP        CMLTI 2006-WMC1
- --------------------------------------------------------------------------------------------------------------------------------
708               C06/7      CITIGROUP                           CITIGROUP        CMLTI 2006-WMC1
- --------------------------------------------------------------------------------------------------------------------------------
                             CITIGROUP PMSR
106               C07        CMLTI06WMC                          CITIGROUP        CMLTI 2006-WMC1 DSI
- --------------------------------------------------------------------------------------------------------------------------------

EX-35.E

           REG AB ITEM 1123 STATEMENT OF COMPLIANCE

          I, Kevin Cloyd, hereby certify that I am a duly
appointed Executive Vice President of New Century Mortgage
Corporation (the "Servicer"), and further certify as follows

          1. This certification is being made pursuant to the
terms of the Servicing Agreements or Pooling and Servicing
Agreements, as applicable (collectively, the "Agreements"),
listed on Appendix A attached hereto.
          2. I have reviewed the activities of the Servicer
during the reporting period and a review of the Servicer's
performance under the Agreements has been made under my
supervision and, to the best of my knowledge based on such
review, the Servicer has fulfilled all of its obligations under
the Agreements in all material respects throughout the reporting
period, except as set forth on Appendix B attached hereto.
          Capitalized terms not otherwise defined herein have
the meanings set forth in the Agreements.

          IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of April 4, 2007.

                             By: /s/ Kevin Cloyd
                             -------------------------
                             Name:    Kevin Cloyd
                             Title: Executive Vice President

          I, Joseph Tortorelli, a (an) Assistant Secretary of
the Servicer, hereby certify that Kevin Cloyd is a duly elected,
qualified, and acting Executive Vice President of the Servicer
and that the signature appearing above is his/her genuine
signature.
          IN WITNESS WHEREOF, the undersigned has executed this
Certificate as of April 4, 2007.

                             By: /s/ Joseph Tortorelli
                             Name: Joseph Tortorelli
                             Title: Assistant Secretary

                          APPENDIX A



1. NCHELT 2006-1 - Servicing Agreement, dated as of March 30,
2006, among New Century Mortgage Home Equity Loan Trust 2006-1,
as issuer, the Company, as servicer and Deutsche Bank National
Trust Company, as indenture trustee.

2. NCHELT 2006-2 - Servicing Agreement, dated June 29, 2006,
among New Century Home Equity Loan Trust 2006-2, as issuer, the
Company, as servicer and Deutsche Bank National Trust Company,
as indenture trustee.

3. NCHELT 2006-ALT1 - Servicing Agreement, dated as of June 22,
2006, among New Century Alternative Mortgage Loan Trust 2006-ALT1,
as issuer, Wells Fargo Bank, N.A., as servicer, and
Deutsche Bank National Trust Company, as indenture trustee.

4. NCHELT 2006-S1 - Servicing Agreement, dated as of February
27, 2006, among New Century Home Equity Loan Trust 2006-S1, as
issuer, the Company, as servicer, and Deutsche Bank National
Trust Company, as indenture trustee.

5. CMLT 2006-1 - Pooling and Servicing Agreement, dated as of
February 8, 2006, among Citigroup Mortgage Loan Trust Inc., as
depositor, the Company, as servicer, and Deutsche Bank National
Trust Company, as trustee.

6. CMLT 2006-2 - Pooling and Servicing Agreement, dated as of
June 21, 2006, among Bear Stearns Asset Backed Securities I LLC,
as depositor, the Company, as servicer, and Deutsche Bank
National Trust Company, as trustee.

7. CMLT 2006-3 - Pooling and Servicing Agreement, dated as of
August 10, 2006, among Citigroup Mortgage Loan Trust Inc., as
depositor, the Company, as servicer, and Deutsche Bank National
Trust Company, as trustee.

8. CMLT 2006-4 - Pooling and Servicing Agreement, dated as of
September 28, 2006, among Stanwich Asset Acceptance Company,
LLC, as depositor, the Company, as servicer, and Deutsche Bank
National Trust Company, as trustee.

8. CMLT 2006-5 - Pooling and Servicing Agreement, dated as of
December 19, 2006, among Stanwich Asset Acceptance Company, LLC,
as depositor, the Company, as servicer, and Deutsche Bank
National Trust Company, as trustee.

10. CMLTI 2006-NC1:  Pooling and Servicing Agreement, dated as
of June 1, 2006, among Citigroup Mortgage Loan Trust Inc., as
depositor, Wells Fargo Bank, N.A. as servicer, Citibank, N.A.,
as trust administrator and U.S. Bank, N.A., as trustee.

11. CMLTI 2006-NC2:  Pooling and Servicing Agreement, dated as
of September 1, 2006, among Citigroup Mortgage Loan Trust Inc.,
as depositor, Wells Fargo Bank, N.A. as servicer, Citibank,
N.A., as trust administrator and U.S. Bank, N.A., as trustee.

12. CMLTI 2006-HE3:  Pooling and Servicing Agreement, dated as
of December 1, 2006, among Citigroup Mortgage Loan Trust Inc.,
as depositor, Wells Fargo Bank, N.A., JP Morgan Chase Bank,
N.A., Ocwen Loan Servicing LLC and Countrywide Home Loans
Servicing LP as servicers, Citibank, N.A., as trust
administrator and U.S. Bank, N.A., as trustee.

13. GSAMP 2006-NC2:  Pooling and Servicing Agreement, dated as
of June 1, 2006, among GS Mortgage Securities Corp., as
depositor, Ocwen Loan Servicing LLC, as servicer, and Deutsche
Bank National Trust Company, as Trustee.



                           APPENDIX B


Items of Material Non Compliance

Servicing criteria 1122(d)(1)(ii)

The Servicer did not have adequate policies and procedures in
place to monitor the material servicing activities outsourced to
the third party performing the initial processing of cash
receipts at the lockbox.

Servicing criteria 1122(d)(1)(iv)

The Servicer did not maintain adequate fidelity bond coverage.

Servicing criteria 1122(d)(2)(vii)(B)

The Servicer did not complete bank account reconciliations
within the time required.

Servicing criteria 1122(d)(4)(vi)

The Servicer did not review and approve changes to the terms or
status of an obligor's pool asset as required by the respective
transaction agreements and related pool asset documents.

Servicing criteria 1122(d)(4)(vii)

The Servicer did not:
     Initiate, conduct and conclude loss mitigation or recovery
     actions within time frames or other requirements of the
     respective transaction agreements;

     Execute forbearance plans as required by the respective
     transaction agreements;

     Execute pre-foreclosure sales or short payoffs resulting
     from the acceptance of funds in an amount that is less than
     the total borrower indebtedness as required by the
     respective transaction agreements; and

     Execute foreclosures as required by the respective
     transaction agreements.

Failure to receive reports required by Item 1122 of Regulation
AB

The Servicer did not receive an Assessment of Compliance or an
accompanying Attestation Report required by Item 1122(d) of
Regulation AB from Union Bank of California, N.A., the vendor
responsible for the initial processing of cash receipts at the
lockbox, which is applicable to servicing criteria 1122(d)(2)(i)
and 1122(d)(4)(iv).

KPMG LLP, the Servicer's independent registered public
accounting firm, has not completed its examination of the
Servicer's compliance with the applicable servicing criteria set
forth in Item 1122(d) of Regulation AB as of and for the year
ended December 31, 2006. KPMG LLP's report dated April 4, 2007
on the Servicer's compliance with such servicing criteria
disclaims an opinion.