| Depositor: | Structured                Asset Securities Corporation |
|------------|--------------------------------------------------------|

|   | 745                Seventh Avenue,                8th                Floor |
|--------|----------------------------------------------------------------------------|

|   | New                York,                NY                10019 |
|--------|-----------------------------------------------------------------|

| Trustee: | US                  Bank,                  N.A. |
|----------|-------------------------------------------------|

|   | One                  Federal Street,                  3rd                  Floor |
|--------|----------------------------------------------------------------------------------|

|   | Boston,                  MA                  02110 |
|--------|----------------------------------------------------|

| Subject: | Annual                Officer's Certification |
|----------|-----------------------------------------------|

| Fiscal                Year: | 2006 |
|-----------------------------|------|

| Securitization: | FFMLT                2006-FF12 |
|-----------------|--------------------------------|

----

| RE: | Annual                  officer’s certificate delivered pursuant to Section 5.05 of that certain                  securitization servicing agreement, dated as of August 1, 2006                  (the                  “Agreement”), by and among Lehman Brothers Holdings Inc., Home Loan                  Services, Inc., f/k/a National City Home Loan Services, Inc., as                  servicer                  (the “Servicer”) and Aurora Loan Services LLC, as master servicer, and                  acknowledged by U.S. Bank National Association, as Trustee, relating                  to                  the issuance of the First Franklin Mortgage Loan Trust Mortgage                  Pass-Through Certificates, Series                  2006-FF12 |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1. | A                  review of the activities of the Servicer during the preceding calendar                  year (or portion thereof) and of its performance under the Agreement                  for                  such period has been made under my                  supervision. |
|----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

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

| 3. | The                  material findings included in the Attestation Report did not impact                  the                  servicing of this security and remediation plans have been implemented                  to                  remedy said findings. |
|----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----