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**Certification        Regarding Compliance with Applicable Servicing Criteria**

|  1.         |  EMC                  Mortgage Corporation ("EMC") 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 ended December 31, 2006 (the                  "Reporting                  Period"),                  as set forth in Appendix A hereto. The transactions covered by                  this report                  include                  the asset-backed securities transactions for which EMC acted as                  servicer                  involving                  residential mortgage loans that were completed on or after January                  1,                  2006,                  and that were registered with the Securities and Exchange Commission                  pursuant                  to the Securities Act of 1933 (the "Platform"); |
|----------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  2.         |  Except                  as set forth in paragraph 3 below, EMC 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 EMC based on the activities it performs, directly                  or                  through                  its Vendors, with respect to the Platform;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
|  4.         |  EMC                  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;                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
|  5.    |  Deloitte                  & Touche LLP, a registered public accounting firm, has issued an                  attestation                  report on EMC's assessment of compliance with the applicable servicing                  criteria                  for the Reporting Period.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |

| 2780                  Lake Vista Drive, Lewisville, Texas 75067                                  |   |
|--------------------------------------------------------------------------------------------------|--------|
| Mailing                  Address: P.O. Box 1292190 Lewisville, Texas                  75029-2190 |

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****Appendix          A****

| **SERVICING                    CRITERIA**                 | **APPLICABLE****SERVICING                    CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | **INAPPLICABLE****SERVICING****CRITERIA** |
|-----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                                             | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | **Performed****Directly****By****EMC**    | **Performed                    by****Sub-Servicer(s)****for****which                    EMC is the Responsible Party** | **Performed                    by****Sub-Servicer(s)                    or****Vendor(s)                    for****which                    EMC is****NOT                    the****Responsible                    Party** |   |
| **General                    Servicing Consideration**    |
| 1122(d)(1)(i)                                             | Polices                    and procedures are instituted to monitor any performance or other                    triggers                    and                    events of default in accordance with the transaction                    agreements.                                                                                                                                                                                                                                                                                           | **X**                                     |   |   |   |
| 1122(d)(1)(ii)                                            | 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 such servicing activities.                                                                                                                                                                                                                                                                 | **X**                                     |   |   |   |
| 1122(d)(1)(iii)                                           | Any                    requirements in the transaction agreements                    to maintain a back-up servicer for                    the mortgage loans are maintained.                                                                                                                                                                                                                                                                                                                                                                    |                                      |   |   | **X** |
| 1122(d)(1)(iv)                                            | 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                    of                    coverage required by and otherwise in accordance with                    the terms of the transaction agreements.                                                                                                                                                              | **X**                                     |   |   |   |
| **Cash                    Collection and Administration** |
| 1122(d)(2)(i)                                             | 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 transaction                    agreements.                                                                                                                                                        | **X**                                     |   |   |   |
| 1122(d)(2){ii)                                            | Disbursements                    made via wire transfer on behalf                    of an obligor or to an investor are made                    only by authorized personnel.                                                                                                                                                                                                                                                                                                                                                                   | **X**                                     |   |   |   |
| 1122(d)(2)(iii)                                           | 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                    specified in the transaction agreements.                                                                                                                                                                                                                         | **X**                                     |   |   |   |
| 1122(d)(2)iv)                                             | 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 transaction agreements.                                                                                                                                                        | **X**                                     |   |   |   |
| 1122(d)(2)(v)                                             | 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 institutions"                    with                    respect to a foreign financial institution means a foreign financial                    that                    meets the requirements of Rule 13k-1                    (b)(1) of the Securities Exchange Act. | **X**                                     |   |   |   |

**Appendix          A (page 2)**

| **SERVICING                    CRITERIA**                         | **APPLICABLE****SERVICING                    CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | **INAPPLICABLE****SERVICING****CRITERIA** |
|-------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                                                     | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | **Performed****Directly****By****EMC**    | **Performed                    by Sub-****Servicer(s)                    for****which                    EMC is the****Responsible****Party** | **Performed                    by Sub-Servicer(s) or****Vendor(s)                    for which****EMC                    is NOT the Responsible Party** |   |
| **Cash                    Collection and Administration (con't)** |
| 1122(d)(2)(vi)                                                    | Un-issued                    checks are safeguarded so as to prevent                    unauthorized access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | **X**                                     |   | **X** |   |
| I122(d)(2)vii)                                                    | 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 transaction agreements;                    (C) reviewed                    and approved                    by someone other than the person who                    prepared the reconciliation; items are resolved within 90 calendar                    days of                    their original identification, or such other number of days specified                    in                    the transaction agreements. | **X**                                     |   |   |   |
| **Investor                    Remittances and Reporting**         |
| 1122(d)(3)(i)                                                     | 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;                    (C)1                    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                    Servicer.                                                                                                | **X**                                     |   |   |   |
| 1122(d)(3)(ii)                                                    | Amounts                    due to investors are allocated and remitted in accordance with                    timeframes,                    distribution                    priority and other terms set forth in                    the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | **X**                                     |   |   |   |
| 1122(d)(3)(iii)                                                   | Disbursements                    made to an investor are posted within two business days to the                    Servicer's                    investor records, or such other number                    of days specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | **X**                                     |   |   |   |
| 1122(d)(3)(iv)                                                    | Amounts                    remitted to investors per the investor                    reports agree with cancelled checks, or                    other form of payment, or custodial bank statements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **X**                                     |   |   |   |
| **Pool                    Asset Administration**                  |
| 1122(d)(4)(i)                                                     | Collateral                    or security on mortgage loans is maintained                    as required by the transaction agreements or related mortgage                    loan                    documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | **X**                                     |   |   |   |

**Appendix          A (page 3)**

| **SERVICING                    CRITERIA**                | **APPLICABLE                    SERVICING CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **INAPPLICABLE****SERVICING                    CRITERIA** |
|----------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------|
| **Reference**                                            | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | **Performed****Directly****By****EMC**                    | **Performed                    by Sub-****Servicer(s)                    for****which                    EMC is****the****Responsible                    Party** | **Performed                    by Sub-Servicer(s) or****Vendor(s)                    for which****EMC                    is NOT the Responsible Party** |   |
| **Pool                    Asset Administration (con't)** |
| 1122(d)(4)(ii)                                           | Mortgage                    loan and related documents are safeguarded                    as required by the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **X**                                                     |   |   |   |
| 1122(d)(4)(iii)                                          | Any                    additions, removals or substitutions to the asset pool are made,                    reviewed                    and approved                    in accordance with any conditions or                    requirements in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **X**                                                     |   |   |   |
| 1122(d)(4)(iv)                                           | 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                    accordance with the related mortgage loan documents.                                                                                                                  | **X**                                                     |   |   |   |
| 1122(d)(4)(v)                                            | The                    Servicer's records regarding the mortgage loans agree with the                    Servicer's                    records                    with respect to an obligor's unpaid principal                    balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | **X**                                                     |   |   |   |
| 1122(d)(4)(vi)                                           | 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 accordance with the transaction agreements                    and related pool asset documents.                                                                                                                                                                                                                                                                                                                                                          | **X**                                                     |   |   |   |
| 1122(d)(4)(vii)                                          | Loss                    mitigation or recovery actions (e.g., forbearance                    plans, modifications and deed in lieu of foreclosure, foreclosures                    and                    repossessions,                    as applicable) are initiated, conducted                    and concluded in accordance with the                    timeftames or other requirements established by the transaction                    agreements.                                                                                                                                                                                                                                                                                           | **X**                                                     |   |   |   |
| 1122(d)(4)(viii)                                         | 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 a 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 or unemployment). | **X**                                                     |   |   |   |
| 1122(d)(4)(ix)                                           | Adjustments                    to interest rates or rates of return for mortgage loans with                    variable                    rates are                    computed based on the related mortgage loan                    documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | **X**                                                     |   |   |   |

**Appendix          A (page 4)**

| **SERVICING                    CRITERIA**                | **APPLICABLE****SERVICING                    CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | **INAPPLICABLE****SERVICING****CRITERIA** |
|----------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                                            | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | **Performed****Directly****By****EMC**    | **Performed                    by****Sub-****Servicer(s)                    for****which                    EMC is the****Responsible****Party** | **Performed                    by Sub-Servicer(s) or****Vendor(s)                    for which****EMC                    is NOT the****Responsible                    Party** |   |
| **Pool                    Asset Administration (con't)** |
| 1122(d)(4)(x)                                            | 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                    a least an annual basis, or such other period specified n 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 specified in the transaction                    agreements. | **X**                                     |   |   |   |
| 1122(d)(4)(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.                                                                                                                                                                                                                                                                                                                                   |                                      |   | **X** |   |
| 1122(d)(4)(xii)                                          | Any                    late payments 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |                                      |   | **X** |   |
| 1122(d)(4)(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 numbers of days specified in the transaction                    agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **X**                                     |   | **X** |   |
| 1122(d)(4)(xiv)                                          | Delinquencies,                    charge-offs and uncollectible accounts                    are recognized and recorded in accordance                    with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **X**                                     |   |   |   |
| 1122(d)(4)(xv)                                           | Any                    External enhancement or other support, identified in Item 1114(a)(1)                    through (3) or Item                    1115 of Regulation AB, is maintained as set                    forth in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **X**                                     |   |   |   |

**Exhibit          B**

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