**Management's      Assertion on Compliance with Applicable Regulation AB Servicing      Criteria**

| 1.   | IndyMac                Bank, F.S.B. ("Indymac") 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 (these transactions collectively                referred to as the "Servicing Platform") include public asset-backed                 securitization transactions closed on or after January 1, 2006, for                which                Indymac acted as servicer, excluding any transactions sponsored or                issued                by government sponsored enterprises or Government National Mortgage                Association. The Servicing Platform also includes other servicing                contracts, the terms of which require Indymac to submit reports in                accordance with Item 1122 of the Regulation AB. The Servicing Platform's                asset type is single family residential mortgage loans that are not                home-equity lines of credit or reverse mortgages and that do not                receive                the benefit of insurance by the Federal Housing Administration or                guarantees from the United States Department of Veterans Affairs                or the                Rural Housing Service; |
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| 2.   | Indymac                has engaged certain vendors (the "Vendors") to perform specific,                limited                or scripted activities, and Indymac has elected to take responsibility                for                assessing compliance with the servicing criteria or portion of the                servicing criteria applicable to such Vendors' activities as set                forth in                Appendix A hereto, as permitted by Interpretation17.06 of the Securities                and Exchange Commission ("SEC") Division of Corporate Finance Manual                of                Publicly Available Telephone Interpretations ("Interpretation 17.06"),                except for certain Vendors that have provided their own reports on                assessment of compliance with the applicable servicing criteria.                Indymac                determined the Vendors are not "servicers" as defined in Item                1101(j) of Regulation AB and asserted that it has policies and                procedures in place to provide reasonable assurance that the Vendors'                activities comply, in all material respects, with the servicing criteria                applicable to each Vendor; |
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| 3.   | Except                as set forth in paragraph 4 below, Indymac used the criteria set                forth in                paragraph (d) of Item 1122 of Regulation AB to assess the compliance                with                the applicable servicing criteria; |
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| 4.   | The                criteria listed in the column titled "Inapplicable Servicing Criteria"                on                Appendix A hereto are inapplicable to Indymac based on the activities                it                performs, directly or throughits Vendors for which Indymac has elected                to                take responsibility for assessing compliance with the applicable                servicing                criteria, with respect to the Servicing Platform taken as a                whole; |
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| 5.   | Indymac                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 Servicing Platform taken as a                whole; |
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| 6.   | Indymac                has not identified and is not aware of any material instance of                noncompliance as of December 31, 2006 and for the Reporting Period                with                respect to the ServicingPlatform taken as a whole by the Vendors                for which                Indymac has elected to take responsibility for assessing compliance                with                the applicable servicing criteria; |
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| 7.   | Indymac                has not identified any material deficiency in its policies and procedures                to monitor the compliance by the Vendors for which Indymac has elected                to                take responsibility for assessing compliance, with the applicable                servicing criteria as of December 31, 2006 and for the Reporting                Period                with respect to the Servicing Platform taken as a whole;                and |
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| 8.   | Ernst                & Young, LLP, an independent registered public accounting firm, has                issued an attestation report on Indymac's assessment of compliance                with                the applicable servicingcriteria for the Reporting                Period. |
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|   |   |  IndyMac                Bank, F.S.B.                             |
|--------|--------|-----------------------------------------------------------------------|
|   |   |                                                                  |
|   |   |  By:                /s/ Anthony L. Ebers                         |
|   |   |      Anthony                L. Ebers         |
|   |   |      Executive                Vice President |
|   |   |      Chief                Executive Officer  |
|   |   |      Indymac                Consumer Bank    |

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|  APPENDIX                A                   |
|---------------------------------------------------|
| SERVICING                CRITERIA                 | APPLICABLE                SERVICING CRITERIA | INAPPLICABLE                SERVICING CRITERIA |
|     Reference                 |     Criteria | Performed                Directly by Indymac | PerformedbyVendor(s)for                which Indymac istheResponsible                Party | Performed                by subservicer(s)or                vendor(s)for                whichIndymac                isNOT                the ResponsibleParty1 | NOT                performed                by Indymac orbysubservicer(s)or                vendor(s) retained by Indymac2 |
| General                Servicing Considerations   |
| 1122(d)(l)(i)                                     | Policies                and procedures are instituted to monitor any performance or other                triggers                and events of default in accordance with the transaction                agreements. |   |   |   | X |
| 1122(d)(l)(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)(l)(iii)                                   | Any                requirements in the transaction agreements to maintain a back-up                servicer                for the pool assets are maintained. |   |   |   | X |
| 1122(d)(l)(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 pool assets 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. | X3 | X3 |   |   |
| 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 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 Exchange                Act. | X |   |   |   |
| 1122(d)(2)(vi)                                    | Unissued                checks are safeguarded so as to prevent unauthorized                access. | X |   |   |   |

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| SERVICING                CRITERIA                 | APPLICABLE                SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | INAPPLICABLE                SERVICING CRITERIA |
|---------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------|
| Reference                                         | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Performed                DirectlybyIndymac     | PerformedbyVendor(s)for                which Indymac is the                Responsible Party | Performed                by subservicer(s)or                vendor(s)for                whichIndymac                isNOT                the ResponsibleParty1 | NOTperformed                by Indymac or bysubservicer(s)or                vendor(s) retained by Indymac2 |
| 1122(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; 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. | 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; (B) provide information calculated in accordance with                the                terms specified in the transaction agreements; (C) are filed with                the                Commission as required by its rules and regulations; and (D) agree                with                investors' or the trustee's records as to the total unpaid principal                balance and number of [pool assets] serviced by the                servicer.                                                           | X4,5                                           |   |   | X4 |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | X5                                             |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | X5                                             |   |   |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | X5                                             |   |   |   |
| Pool                Asset Administration          |
| 1122(d)(4)(i)                                     | Collateral                or security on pool assets is maintained as required by the transaction                agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                              |   |   |   |
| 1122(d)(4)(ii)                                    | Pool                assets 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 pool assets, including any payoffs, made in accordance with the                related                [pool asset] documents are posted to the Servicer's obligor records                maintained no more than two business days after receipt, or such                other                number of days specified in the transaction agreements, and allocated                to                principal, interest or other items (e.g., escrow) in accordance with                the                related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                  | X3                                             | X3 |   |   |

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| SERVICING                CRITERIA | APPLICABLE                SERVICING CRITERIA                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | INAPPLICABLE                SERVICING CRITERIA |
|-----------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------|
| Reference                         | Criteria                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Performed                DirectlybyIndymac     | PerformedbyVendor(s)for                which Indymac istheResponsible                Party | Performed                by subservicer(s)or                vendor(s)for                whichIndymac                isNOT                the ResponsibleParty1 | NOTperformed                by Indymac orby                subservicer(s)or                vendor(s)retained                by Indymac2 |
| 1122(d)(4)(v)                     | The                servicer's records regarding the pool assets 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 pool assets (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                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.                                                                                                                                                                                                                                                                                                                                                                              | X6                                             | X6 |   |   |
| 1122(d)(4)(viii)                  | Records                documenting collection efforts are maintained during the period a                pool                asset 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 in monitoring delinquent pool assets including, for example,                phone calls, letters and payment rescheduling plans in cases where                delinquency is deemed temporary (e.g., illness or                unemployment).                                                                                                          | X                                              |   |   |   |
| 1122(d)(4)(ix)                    | Adjustments                to interest rates or rates of return for pool assets with variable                rates                are computed based on the related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | X                                              |   |   |   |
| 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 [pool asset]                documents, on at least an annual basis, or such other period specified                in                the transaction agreements; (B) interest on such funds is paid, or                credited, to obligors in accordance with applicable [pool asset]                documents                and state laws; and (C) such funds are returned to the obligor within                30                calendar days of full repayment of the related pool assets, or such                other                number of days 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.                                                                                                                                                                                                                                        | X7                                             | X7 | X7 |   |
| 1122(d)(4)(xii)                   | Any                late payment penalties in connection with any payment to be made                on behalf                of an obligor are paid from the Servicer's funds and not charged                to the                obligor, unless the late payment was due to the obligor's error or                omission.                                                                                                                                                                                                                                                                                                                                                                                                                                                                | X7                                             | X7 |   |   |

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| SERVICING                CRITERIA | APPLICABLE                SERVICING CRITERIA                                                                                                                                                                                                                                         | INAPPLICABLE                SERVICING CRITERIA |
|-----------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------|
| Reference                         | Criteria                                                                                                                                                                                                                                                                             | Performed                DirectlybyIndymac     | PerformedbyVendor(s)for                which Indymac istheResponsible                Party | Performed                by subservicer(s)or                vendor(s)for                whichIndymac                isNOT                theResponsibleParty1 | NOTperformed                by Indymac orbysubservicer(s)or                vendor(s)retained                by Indymac2 |
| 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 number                of days                specified in the transaction agreements. | X7                                             | X7 |   |   |
| 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)(l)                through (3) or Item 1115 of Regulation AB, is maintained as set forth                in                the transaction agreements.                                            |                                           |   |   | X |

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**Footnotes      to Appendix A Servicing Criteria**

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