COUNTRYWIDE
-----------
HOME LOANS

2900 MADERA ROAD
SIMI VALLEY. CALIFORNIA 93065.6298
(805) 955-1000



         ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA


     Countrywide Financial Corporation and certain of its subsidiaries,
including its direct and indirect wholly-owned subsidiaries, Countrywide Home
Loans, Inc. (CHL), Countrywide Tax Services Corporation, Newport Management
Corporation, and Countrywide Home Loans Servicing, L.P., a wholly-owned
subsidiary of CHL (collectively the "Company") provides this platform-level
assessment, for which Countrywide Financial Corporation and such subsidiaries
participated in servicing functions, as such term is described under Title 17,
Section 229.1122 of the Code of Federal Regulations ("Item 1122 of Regulation
AB"), of compliance in respect of the following Applicable Servicing Criteria
specified in Item 1122(d) of Regulation AB promulgated by the Securities and
Exchange Commission in regard to the following servicing platform for the
following period:


     Platform: publicly-issued (i.e., registered with the Securities and
     Exchange Commission pursuant to the Securities Act of 1933, as amended)
     residential mortgage-backed securities (securities collateralized by
     residential mortgage loans, including prime, alternative loan products,
     sub-prime. HELOC and closed seconds) issued on or after January 1, 2006
     for which the Company provides cash collection and administration,
     investor remittances and reporting (except for those activities relating
     to trustee and paying agent services), and pool asset administration
     (except for those activities relating to custodial operations of pool
     assets and related documents), collectively "Servicing Functions" and
     for which the related issuer has a fiscal year end of December 31, 2006.
     The platform excludes any transactions issued by any government sponsored
     enterprise for which the Company provides Servicing Functions.

     Period: as of and for the year ended December 31, 2006.

     Applicable Servicinq Criteria: all servicing criteria set forth in Item
     1122(d), to the extent required in the related agreements, except for the
     following paragraphs: 1122(d)(1)(iii), 1122(d)(3)(i)(B), only as it
     relates to information other than that contained in the monthly
     remittance report delivered by the servicer to the master servicer,
     trustee, and/or bond administrator, 1122(d)(3)(i)(D), only as it relates
     to the agreeing with investors' records as to the total unpaid principal
     balance and number of pool assets serviced by the servicer, 1122(d)(3)
     (ii), only as it relates to amounts other than amounts remitted by the
     servicer to the master servicer, trustee, and/or bond administrator,
     1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i) and 1122(d)(4)(ii), only
     as 1122(d)(4)(i) and 1122(d)(4)(ii) relate to the custodial operations of
     the pool assets and related documents (collateral file) by the document
     custodian responsible for such functions for the related transaction, and
     1122(d)(4)(xv), only as it relates to Item 1115 of Regulation AB
     derivative transactions).

     With respect to the Platform and the Period, the Company provides the
following assessment of compliance in respect of the Applicable Servicing
Criteria:


     1.  The Company is responsible for assessing its compliance with the
Applicable Servicing Criteria.

     2.  The Company has assessed compliance with the Applicable Servicing
Criteria.

     3.  Other than as identified on Schedule A hereto, as of and for the
Period, the Company was in material compliance with the Applicable Servicing
Criteria.


KPMG LLP, an independent registered public accounting firm, has issued an
attestation report with respect to the Company's foregoing assessment of
compliance.





COUNTRYWIDE FINANCIAL CORPORATION



By:   /s/    Steve Bailey
      -------------------------------------
      Steve Bailey

Its:  Senior Managing Director and Chief Executive Officer,
      Loan Administration


Dated: February 28, 2007



By:   /s/    Kevin Meyers
      -------------------------------------
      Kevin Meyers

Its:  Managing Director and Chief Financial Officer,
      Countrywide Home Loans, Inc. Loan Administration


Dated: February 28, 2007





                                  Schedule A



                      Material Instances of Noncompliance

No material instances of noncompliance: the Company has complied. in all
material respects, with the applicable servicing criteria as of and for the
year ended December 31, 2006.