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**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 |   |   |   |

| 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                  Directly byIndymac    | PerformedbyVendor(s)for                  which Indymac isthe Responsible                  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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