[LETTERHEAD OF WACHOVIA MORTGAGE CORPORATION]


                              MANAGEMENT ASSESSMENT

Wachovia  Mortgage  Corporation  (the  "Company") is  responsible  for assessing
compliance with the applicable  servicing  criteria set forth in Item 1122(d) of
Regulation  AB of  the  Securities  and  Exchange  Commission  relating  to  the
servicing of asset-based  securities  transactions involving first lien mortgage
loans (the Platform) as of and for the period ended December 31, 2006 except for
servicing  criteria   1122(d)(1)(iii),   1122(d)(3)  (i)(A),   1122(d)(3)(i)(B),
1122(d)(3)(i)(C),     1122(d)(3)(i)(D),     1122(d)(3)(ii),     1122(d)(3)(iii),
1122(d)(3)(iv),      1122(d)(4)(ii),      1122(d)(4)(xi),       1122(d)(4)(xii),
1122(d)(4)(xiii),  and 1122(d)(4)(xv),  which the Company has determined are not
applicable to the  activities  it performs  with respect to the  Platform.  With
respect to servicing criteria  1122(d)(2)(i) and 1122(d)(4)(iv),  management has
engaged a vendor to perform the activities required by these servicing criteria.
The Company's  management  has  determined  that the vendor is 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 the 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 procedure
in place designed to provide reasonable  assurance that the vendor's  activities
comply in all material  respects with the servicing  criteria  applicable to the
vendor.  The Company's  management is solely responsible for determining that it
meets the SEC  requirements  to apply  Interpretation  17.06 for the  vendor and
related criteria.  Exhibit A identifies the individual asset-backed transactions
defined by management as constituting the Platform.

The  Company's  management  has  assessed  the  effectiveness  of the  Company's
compliance with the applicable servicing criteria as of and for the period ended
December 31, 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.
(Exhibit B)

Based on such  assessment,  management  believes  that, as of and for the period
ended December 31, 2006, the Company 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 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 period ended  December 31, 2006.  (Exhibit
C).

February 27, 2007                               /s/ Timothy Schuck
                                                --------------------------
                                                         Timothy Schuck
                                                         Senior Vice-President
                                                         2/27/07
                                                         Date








EXHIBIT A

CSMC 2006-1
CWMBS  2006-J1
MSM 2006-2 CSMC  2006-2
MSM  2006-3AR
MSM  2006-5AR
BSALTA 2006-2
CSMC 2006-3
MSM 2006-6AR
BSABS I 2006-AC3
MSM 2006-7
MSM 2006-8AR
GSR 2006-5F
PRIME 2006-1
GSR 2006-6F
MALT 2006-3
MSM 2006-9AR
NAAC 2006-AF2
CSMC 2006-7
GSAA  2006-14
MSM  2006-13ARX
CSAB 06-2
GSAA  2006-16
CSMC 2006-8
NAAC 2006-AR3
CSMC 2006-9
MSM  2006-17XS
NAAC 2006-AR4
GSAA 2006-19
HALO 2006-2
GSAA 2006-20


<PAGE>
<TABLE>
<CAPTION>


                                                     EXHIBIT B
----------------- --------------------------------------------------------- ---------------------------- ---------------------
                                                                               APPLICABLE SERVICING          INAPPLICABLE
                                     SERVICING CRITERIA                              CRITERIA             SERVICING CRITERIA
----------------- --------------------------------------------------------- ---------------------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
   REFERENCE                              CRITERIA                          PERFORMED BY    PERFORMED
                                                                               COMPANY      BY VENDOR
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------

                                GENERAL SERVICING CONDITIONS
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
<S>    <C>                                                                      <C>
1122(d)(1)(i)     Policies and procedures are instituted to monitor any           X
                  performance or other triggers and events of default in
                  accordance with the transaction agreements.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
1122(d)(1)(ii)    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 such servicing
                  activities.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
                  Any requirements in the transaction agreements to
                  maintain a back-up servicer for the mortgage loans are                                          X
1122(d)(1)(iii) maintained.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
                  A fidelity bond and errors and  omissions  policy is in effect
                  on  the  party   participating   in  the  servicing   function
                  throughout  the  reporting  period in the amount X of coverage
                  required by and otherwise in accordance
1122(d)(1)(iv) with the terms of the transaction agreements.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------

                             CASH COLLECTION AND ADMINISTRATION
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
1122(d)(2)(i)     Payments on mortgage loans are deposited into the               X           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 transaction agreements.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
                  Disbursements made via wire transfer on behalf of an
                  obligor or to an investor are made only by authorized           X
1122(d)(2)(ii) 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 X
1122(d)(2)(iii) approved as 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., X with
                  respect to commingling of cash) as set forth in
1122(d)(2)(iv) the 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 X to a foreign financial
                  institution means a foreign  financial  institution that meets
                  the requirements of
1122(d)(2)(v) Rule 13k-1(b)(1) of the Securities Exchange Act.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
----------------- --------------------------------------------------------- -------------- ------------- ---------------------
                  Unissued checks are safeguarded so as to prevent                X
1122(d)(2)(vi)    unauthorized access.
----------------- --------------------------------------------------------- -------------- ------------- ---------------------



<PAGE>


------------------- --------------------------------------------------------------- ----------------------------- ------------------
                                          SERVICING CRITERIA                            APPLICABLE SERVICING          INAPPLICABLE
                                                                                              CRITERIA            SERVICING CRITERIA
------------------- --------------------------------------------------------------- ----------------------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
    REFERENCE                                  CRITERIA                             PERFORMED BY     PERFORMED
                                                                                       COMPANY       BY VENDOR
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
1122(d)(2)(vii)     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 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 the
                    transaction agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------

                                  INVESTOR REMITTANCES AND REPORTING
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
1122(d)(3)(i)(A)    Reports to investors, including those to be filed with the                                           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                                            X (2)
1122(d)(3)(i)(B)    terms specified in the transaction agreements;
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    (C) are filed with the Commission as required by its rules                                             X
1122(d)(3)(i)(C)    and regulations; and
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    (D) agree with investors' or the trustee's records as to the
                    total unpaid principal balance and number of mortgage loans                                          X (2)
1122(d)(3)(i)(D)    serviced by the Servicer.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    Amounts due to investors are allocated and remitted in
                    accordance with timeframes, distribution priority and other                                          X (2)
1122(d)(3)(ii)      terms 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                                            X (2)
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 custodial                                        X (2)
1122(d)(3)(iv)      bank statements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                                      POOL ASSET ADMINISTRATION
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    Collateral or security on mortgage loans is maintained as
                    required by the transaction agreements or related mortgage          X (3)                            X (4)
1122(d)(4)(i)       loan documents.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    Mortgage loan and related documents are safeguarded as                                               X (4)
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                X
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         X            X (1)
                    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              X
1122(d)(4)(v) unpaid principal balance.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    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  authorized  personnel in X
                    accordance with the transaction agreements and related pool
1122(d)(4)(vi) asset documents.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------


<PAGE>



------------------- --------------------------------------------------------------- ----------------------------- ------------------
                                          SERVICING CRITERIA                            APPLICABLE SERVICING         INAPPLICABLE
                                                                                              CRITERIA            SERVICING CRITERIA
------------------- --------------------------------------------------------------- ----------------------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
    REFERENCE                                  CRITERIA                             PERFORMED BY   PERFORMED BY
                                                                                       COMPANY           VENDOR
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
1122(d)(4)(vii)     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   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 are maintained on at
                    least a monthly basis, or such other period specified in the
                    transaction agreements, and describe the entity's activities          X
                    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           X
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                X
                    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
1122(d)(4)(x) of days specified in the transaction agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    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                                            X (5)
                    been received by the servicer at least 30 calendar days prior
                    to these dates, or such other number of days specified in the
1122(d)(4)(xi) transaction agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    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                                        X (5)
1122(d)(4)(xii)     was due to the obligor's error or omission.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    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                                              X (5)
1122(d)(4)(xiii)    transaction agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    Delinquencies, charge-offs and uncollectible accounts are
                    recognized and recorded in accordance with the transaction            X
1122(d)(4)(xiv)     agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
------------------- --------------------------------------------------------------- -------------- -------------- ------------------
                    Any external enhancement or other support, identified in Item
                    1114(a)(I)  through (3) or Item 1115 of Regulation  AB, is X
1122(d)(4)(xv)      maintained as set forth in the transaction agreements.
------------------- --------------------------------------------------------------- -------------- -------------- ------------------

</TABLE>



<PAGE>


Footnote 1 - Payments on mortgage  loans received via a lockbox are collected by
a vendor who deposits the funds into the  appropriate  custodial  bank  clearing
account no more than two business days following  receipt,  or such other number
of days specified in the transaction agreements.

Footnote  2 - Per SEC  Telephone  Interpretation  11.03,  the  Company  provides
information  to another  servicer (the Master  Servicer)  that enables the other
party to complete its duties under the  transaction  agreement.  The information
conveyed  to the Master  Servicer  by the  Company  is  generated  by  servicing
activities  that fall under  particular  criterion  in  Regulation  AB Item 1122
(d)(4), Pool Asset Administration.  As such,  Management's  Assessment addresses
the accurate conveyance of the information as part of the applicable  Regulation
AB Item 1122(d)(4), Pool Asset Administration, criteria.

Footnote 3 - The  Company did not own the pool assets when they were placed into
a transaction  included in the Platform.  The Company originated the pool assets
in the Platform and sold the pool assets to third  parties  servicing  retained.
These third parties  subsequently  securitized  the pool assets.  As part of the
sale agreement  representations and warranties,  the Company was responsible for
perfection  of the  mortgage.  Per  the  servicing  activities  related  to this
criterion,  as outlined in SEC  Telephone  Interpretation  11.04,  the Company's
Management Assessment only includes the mortgage perfection servicing activity.

Footnote 4 - The  Company  did not own the pool asset when it was placed  into a
transaction  included in the Platform.  A third party owner of the pool asset is
responsible for the maintenance  and  safeguarding of the collateral,  security,
mortgage loan and related  documents.  As such,  these criteria are inapplicable
servicing criteria of the Company.

Footnote 5 - The Company has outsourced these servicing  criteria to vendors who
are providing their own management assessment of the relevant criteria.