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

Indymac

l. 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;

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 Interpretation 17.06 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;

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;

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 through its 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;

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;

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 Servicing Platform taken as a whole by the Vendors for which
Indymac has elected to take responsibility for assessing compliance with
the applicable servicing criteria;

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

8. Ernst & Young, LLP, an independent registered public accounting firm,
has issued an attestation report on Indymac's assessment of compliance with
the applicable servicing criteria for the Reporting Period.


March 16, 2007
Anthony L. Ebers Executive Vice President Chief Executive Officer Indymac
Consumer Bank
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APPENDIX A
Footnotes to Appendix A Servicing Criteria

1 The activities pertaining to these criteria or portions of these criteria
are performed by subservicer(s) or vendor(s) retained by Indymac which
provided a separate assessment of compliance in accordance with Item 1122
of Regulation AB.

2 These criteria are inapplicable to the Servicing Platform as of December 31,
2006 and for the Reporting Period since Indymac, directly or through its
Vendors for which Indymac has elected to take responsibility for assessing
compliance with the applicable servicing criteria, was not required to
perform any related activities.

3 Indymac performs the activities pertaining to these criteria, except for
the specific, limited activities, primarily of initial processing of pool
asset payments, performed by its lockbox vendor.

4 The criterion 1122(d)(3)(i)(C) is inapplicable to the Servicing Platform as
of December 31, 2006 and for the Reporting Period based on the activities
Indymac performed.

5 Indymac has defmed the "Investor" as a party to whom Indymac reports and
remits under the applicable transaction agreements. Indymac has no
responsibility for transaction waterfall or allocation calculations and
payments or individual security holder records.

6 Indymac performs the activities pertaining to this criterion, except for
the specific, limited activities performed by its foreclosure and bankruptcy
vendors.
Indymac performs the activities pertaining to these criteria, except for the
specific, limited activities performed by its tax and/or insurance monitoring
vendors. Indymac has elected to take responsibility for assessing compliance
with these servicing criteria with respect to the activities of its tax
vendor. Indymac's insurance vendor has provided their own report on
assessment of compliance with the applicable servicing criterion.
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