Exhibit 33.1


                                              [LOGO] Countrywide(R)
                                              ---------------------
                                                    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 Servicing 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).

<PAGE>

      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.

<PAGE>

                         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

<PAGE>

                                   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.