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| 1.                  | Saxon                Mortgage Services Inc. ("Saxon"), as Servicer, is responsible for                assessing its compliance with the applicable servicing criteria ,                for the                year ended December 31, 2006, under paragraph (d) of Item 1122 of                Regulation AB. Such assessment is set forth herein in connection                with                asset-backed securities transactions subject to Regulation AB ("the                Transactions"), described as such on Exhibit C, involving residential                mortgage loans. |
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| 2.                  | Saxon                has engaged certain vendors (the "Vendors") to perform specific,                limited                or scripted activities as of and for the period ended December 31,                2006,                and, except as otherwise noted herein, Saxon elects to take responsibility                for assessing compliance with the servicing criteria or portion of                the                servicing criteria applicable to such Vendors as set forth in Exhibit                A                hereto; as noted on the attached Exhibit A, criteria 1122(d)(4)(xi)and                1122(d)(4)(xii) were performed in whole or in part by Vendors who                shall                provide assertions and auditor attestations regarding their performance                of                the criteria, |
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| 3.                  | Except                as set forth in paragraph 4 below, Saxon 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 described as such on Exhibit A hereto are inapplicable to                Saxon                based on the activities it performs with respect to asset-backed                securities transactions involving residential mortgage                loans. |
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| 5. | Saxon                has complied, in all material respects, with the applicable servicing                criteria as of and for the period ended December 31, 2006, except                as noted                on the attached Exhibit B. |
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| 6. | Saxon                has not identified and is not aware of any material instance of                noncompliance by the Vendors with the applicable servicing criteria,                or                performance of certain discrete functions with regard to the servicing                criteria, as of and for the period ended December 31, 2006, except                as                noted on the attached Exhibit B. |
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| 7.                  | Saxon                has not identified any material deficiency in its policies and procedures                to monitor the compliance by the Vendors with the applicable servicing                criteria, for the period ended December 31, 2006, except as noted                on the                attached Exhibit B. |
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| 8.                  | A                registered public accounting firm has issued an attestation report                on                Saxon's assessment of compliance with the applicable servicing criteria                as                of and for the period ended December 31,                2006. |
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| March                15, 2007 |   | Saxon                Mortgage Services Inc.                |
|-------------------------------|--------|------------------------------------------------------------|
|                          |   |                                                       |
|                          |   | /s/                David Dill                              |
|                          |   | David                Dill                                  |
|                          |   | Chief                Executive Officer and President  |

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| **SERVICING                  CRITERIA**                                                                                                                                                                                                                                                                   | **APPLICABLE****SERVICING                  CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | **INAPPLICABLE****SERVICING****CRITERIA** |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                                                                                                                                                                                                                                                                                             | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **Performed****Directly****by****Saxon**  | **Performed                  by****Vendor(s)                  retained by Saxon for which Saxon is taking                  Responsibility** | **Performed                  by vendor(s) retained by Saxon for which Saxon is NOT taking                  Responsibility** | **Otherwise                  Inapplicable Criteria** |
|                                                                                                                                                                                                                                                                                                      | **General                  Servicing Considerations**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |                                      |   |   |   |
| **1122(d)(1)(i)**                                                                                                                                                                                                                                                                                         | Policies                  and procedures are instituted to monitor any performance or other                  triggers                  and events of default in accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **[X]****1                  & 2**     |   |   |   |
| **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 pool assets 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]****1**                              |   |   |   |
|                                                                                                                                                                                                                                                                                                      | **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                  of                  receipt, or such other number of days specified in the transaction                  agreements.                                                                                                                                                                                                                                                                                                                                                              | **[X]****1**                              |   |   |   |
| **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]****3**                              |   |   |   |
| **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]****1&4**                        |   |   |   |
| **1122(d)(2)(iv)**                                                                                                                                                                                                                                                                                        | The                  related accounts for the transaction, such as cash reserve accounts                  or                  accounts established as a form of over collateralization, are separately                  maintained (e.g., with respect to commingling of cash) as set forth                  in the                  transaction agreements.                                                                                                                                                                                                                                                                                                                                              | **[X]****1&5**                        |   |   |   |
| **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 Sec. 240.13k-1(b)(1) of this                  chapter.                                                                                                                                                                             | **[X]****1&6**                        |   |   |   |
| **1122(d)(2)(vi)**                                                                                                                                                                                                                                                                                        | Unissued                  checks are safeguarded so as to prevent unauthorized                  access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | **[X]****7**                              |   |   |   |
| **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:                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |   |
| (A)                  Are mathematically accurate;                                                                                                                                                                                                                                                         | **[X]****1&5**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| (B)                  Are prepared within 30 calendar days after the bank statement cutoff                  date,                  or such other number of days specified in the transaction                  agreements;                                                                                  | **[X]****1&5**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| (C)                  Are reviewed and approved by someone other than the person who                  prepared                  the reconciliation; and                                                                                                                                                    | **[X]****1&5**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| (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]****1&5**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
|                                                                                                                                                                                                                                                                                                      | **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;                                                                                                                                                | **[X]****1&8**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| (B)                  Provide information calculated in accordance with the terms specified                  in                  the transaction agreements;                                                                                                                                               | **[X]****1&8**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| (C)                  Are filed with the Commission as required by its rules and regulations;                  and                                                                                                                                                                                         |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |                                      |   | **[X]** |
| (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.                                                                                                        | **[X]****1&8**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   |   |
| **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]****1&8**** **              |   |   |   |
| **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]****1&8**                        |   |   |   |
| **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]****1&8**                        |   |   |   |
|                                                                                                                                                                                                                                                                                                      | **Pool                  Asset Administration**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |                                      |   |   |   |
| **1122(d)(4)(i)**                                                                                                                                                                                                                                                                                         | Collateral                  or security on pool assets is maintained as required by the transaction                  agreements or related pool asset documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | **[X]****1&9**                        | **[X]****1&9** |   |   |
| **1122(d)(4)(ii)**                                                                                                                                                                                                                                                                                        | Pool                  assets and related documents are safeguarded as required by the                  transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | **[X]****1&10**                       |   |   |   |
| **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]****1&11**                       |   |   |   |
| **1122(d)(4)(iv)**                                                                                                                                                                                                                                                                                        | Payments                  on pool assets, including any payoffs, made in accordance with                  the related                  pool asset documents are posted to the applicable 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.                                                                                                                          | **[X]****1**                              |   |   |   |
| **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 asset                  (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]****1**                              |   |   |   |
| **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.                                                                                                                                                                                                                                                                             | **[X]****1**                              |   |   |   |
| **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]****1**                              |   |   |   |
| **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]****1**                              |   |   |   |
| **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;                                                                                                                                                                                                                                                                                                                                                                                                                                       | **[X]**                                   |   |   |   |
|                                                                                                                                                                                                                                                                                                      | (B)                  Interest on such funds is paid, or credited, to obligors in accordance                  with applicable pool asset documents and state laws; and                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | **[X]**                                   |   |   |   |
|                                                                                                                                                                                                                                                                                                      | (C)                  Such funds are returned to the obligor within 30 calendar days                  of full                  repayment of the related pool asset, or such other number of days                  specified in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                 | **[X]****1**                              |   |   |   |
| **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]****12** |   |
| **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.                                                                                                                                                                                                                                                                                                                                                |                                      |   | **[X]****12** |   |
| **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.                                                                                                                                                                                                                                                                                                                                                                                                            | **[X]****1**                              |   |   |   |
| **1122(d)(4)(xiv)**                                                                                                                                                                                                                                                                                       | Delinquencies,                  charge-offs and uncollectible accounts are recognized and recorded                  in                  accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | **[X]****1**                              |   |   |   |
| **1122(d)(4)(xv)**                                                                                                                                                                                                                                                                                        | Any                  external enhancement or other support, identified in Item 1114(a)(1)                  through (3) or Item 1115 of this Regulation AB, is maintained as                  set forth                  in the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                      |   |   | **[X]** |

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| 1       | As                  it applies to the "Servicer" and Servicer responsibilities defined                  in the                  transaction agreements. |
|---------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------|
| 2       | The                  transaction agreements are reviewed by each functional area and                  policies                  and procedures are developed to ensure compliance with agreements                  and                  avoidance of servicer events of default, as defined in the transaction                  agreements. |
|---------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3       | As                  it applies to wires disbursed for Servicer obligations under the                  transaction agreements. |
|---------------------------------------|-------------------------------------------------------------------------------------------------------------------------------|
| 4       | Funds                  advanced in accordance with the transaction                  agreements. |
|---------------------------------------|-------------------------------------------------------------------------------------------------|
| 5       | As                  it applies to Servicer accounts specified in the transaction agreements. |
|---------------------------------------|----------------------------------------------------------------------------------------------|
| 6       | As                  it applies to Servicer Custodial Accounts specified in the transaction                  agreements. |
|---------------------------------------|-------------------------------------------------------------------------------------------------------------------------|
| 7       | As                  it applies to checks issued by the                  Servicer. |
|---------------------------------------|-----------------------------------------------------------------------------------|
| 8       | As                  it applies to reports and remittances prepared and sent by the                  Servicer                  pursuant to the transaction agreements. |
|---------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 9       | As                  it applies to the recording of loan modifications and other pool                  asset                  documents and the release of liens on pool assets, initiated by                  the                  Servicer. |
|---------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10       | As                  it applies to the pool asset documents if and when they are in                  the                  Servicer's possession, and in accordance with requirements of the                  transaction agreements. |
|----------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 11       | As                  it applies in instances where the Servicer is notified of an addition,                  deletion or substitution to the asset                  pool. |
|----------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 12       | Vendor                  Assessments and their Auditor’s Attestations will be provided separately                  from this report. |
|----------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------|

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