`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.

                                          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`