1 of 32 **Exhibit 33 a)**[Aurora Loan Services logo] **********Certification Regarding Compliance with Applicable Servicing Criteria**1.Aurora Loan Services LLC ("Aurora"), a wholly-owned subsidiary of Lehman Brothers Bank FSB, 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 "Master Servicing Platform") include asset-backed securities transactions for which Aurora acted as master servicer, registered on or after January 1, 2006, involving residential mortgage loans; 2.Aurora has not engaged vendors (the "Vendors") to perform significant activities pertaining to the applicable servicing criteria; 3.Except as set forth in paragraph 4 below, Aurora 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 Aurora based on the activities it performs with respect to the Master Servicing Platform as of December 31, 2006 and for the Reporting Period; 5.Aurora 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 Master Servicing Platform taken as a whole; 6.Ernst & Young LLP, an independent registered public accounting firm, has issued an attestation report on Aurora's assessment of compliance with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period. March 13, 2007 Aurora Loan Services LLC By: /s/: E. Todd Whittemore  Name: E. Todd Whittemore Title:   Executive Vice President ****APPENDIX A **SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA****INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Aurora****Performed by Vendor(s) for****which Aurora****is the****Responsible****Party****Performed by subservicer(s)****or vendor(s)****for which Aurora is****NOT the****Responsible****Party********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 agreement **X**************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****1******1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the pool assets are maintained. **************X****1******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****************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**************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****1******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  240.13k-1(b)(1) of this chapter.**X**************1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access. **************X****1******1Aurora did not perform the activity described in this criteria as of December 31, 2006 and for the Reporting Period.  No assessment of compliance, therefore, is necessary. ******SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA****INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Aurora****Performed by Vendor(s) for****which Aurora****is the****Responsible****Party****Performed by subservicer(s)****or vendor(s)****for which Aurora is****NOT the****Responsible****Party******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; (B) Are prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) Are 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. **X****2,3****************X****2******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****3******************1122(d)(3)(iii) Disbursements made to an investor are posted within two business days to the servicer's in vestor records, or such other number of days specified in the transaction agreements. **X****3******************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****3********************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**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**************2For criterion 1122(d)(3)(i)(C), Aurora did not perform the activity described in this criterion as of December 31, 2006 and for the Reporting Period.  No assessment of compliance, therefore, is necessary.3Aurora is defining the "Investor" as the party to whom we report and remit under the applicable transaction agreement.******SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA****INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Aurora****Performed by Vendor(s) for****which Aurora****is the****Responsible****Party****Performed by subservicer(s)****or vendor(s)****for which Aurora is****NOT the****Responsible****Party******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**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 t ransaction 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**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 asset, 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. **************X**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********SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA****INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Aurora****Performed by Vendor(s) for****which Aurora****is the****Responsible****Party****Performed by subservicer(s)****or vendor(s)****for which Aurora is****NOT the****Responsible****Party******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**1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectable 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)(1) through (3) or Item 1115 of this Regulation AB, is maintained as set forth in the transaction agreements. **************X****b)**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 issue r 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 fo r 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 I 122(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. **c)****Appendix I************MANAGEMENT'S ASSERTION OF COMPLIANCE******Management of the Trust & Securities Services department of Deutsche Bank National****Trust Company and Deutsche Bank Trust Company Americas (collectively the "Company") is responsible for assessing compliance with the servicing criteria set forth in item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. Management has determined that the servicing criteria are applicable in regard to the servicing platform for the period as follows:  Platform: Publicly-issued *(i.e.,*transaction-level reporting required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities and other asset-backed securities issued on or after January 1, 2006 for wh ich the Company provides trustee, securities administration or paying agent services, excluding any publicly issued transactions sponsored or issued by any government sponsored entity (the "Platform").  Applicable Servicing Criteria : All servicing criteria set forth in Item 1122(d), except for the following criteria:  I l22(d)(2)(iii), I 122(d)(4)(iv), I 122(d)(4)(v), I 122(d)(4)(vi), I 122(d)(4)(vii), I 122(d)(4)(viii), I 122(d)(4)(ix), I 122(d)(4)(x), I 122(d)(4)(xi), I 122(d)(4)(xii), I l22(d)(4)(xiii) and I 122(d)(4)(xiv), which management has determined are not applicable to the activities the Company performs with respect to the Platform (the "Applicable Servicing Criteria").  Period: Twelve months ended December 31, 2006 (the "Period"). Management's interpretation of Applicable Servicing Criteria : The Company's management has determined that servicing criteria I l22 (d)(1)(iii) is applicable only with respect to its continuing obligation to act as, or locate a, successor servicer under the circumstances referred to in certain governing documents. It is management's interpretation that Deutsche Bank Trust Company America has no other active back-up servicing responsibilities in regards to I 122(d)(l)(iii) as of and for the Period. Third parties classified as vendors : With respect to servicing criteria I I22(d)(2)(i), I l22(d)(4)(i), and I l22(d)(4)(ii), management has engaged various vendors to perform the activities required by these servicing criteria. The Company's management has determined that these vendors are not considered a "servicer" as defined in Item 1101(j) of Regulation AB. and the Company's management has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations ("Interpretation 17.06"). As permitted by Interpretation 17.06, management has asserted that it has policies and procedures in place to provide reasonable assurance that the vendor's activities comply in all material respects with the servicing criteria applicable to each vendor. The Company's management is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendors and related criteria. ****With respect to the Platform, the Company's management provides the following assertion of compliance with respect to the Applicable Servicing Criteria: 1.  The Company's management is responsible for assessing the Company's compliance with the Applicable Servicing Criteria as of and for the Period.  2.  The Company's management has assessed compliance with the Applicable Servicing Criteria, including servicing criteria for which compliance is determined based on Interpretation 17.06 as described above, as of and for the Period. In performing this assessment, management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of item 1122 of Regulation AB.  3. Based on such assessment, as of and for the Period, the Company has complied, in all material respects, with the Applicable Servicing Criteria.   KPMG LLP, a registered public accounting firm, has issued an attestation report with respect to the management's assertion of compliance with the Applicable Servicing Criteria as of and for the Period. ******Appendix I******By: /s/ Gary R. Vaughan Name: Gary R. Vaughan Its: Managing Director By: /s/ David Co Name: David Co Its: Director By: /s/ Jose Sicilia Name: Jose Sicilia  Its: Managing Director By: /s/ Kevin Fischer Name: Kevin Fischer Its: Vice President By: /s/ Robert Frier Name: Robert Frier Its: Director  DEUTCHE BANK TRUST COMPANY AMERICAS By: /s/ Kevin C. Weeks Name: Kevin C. Weeks Its: Managing Director By: /s/ Jonna Kaufman Name: Jonna Kaufman ****Its: Director **d)****Appendix I************MANAGEMENT'S ASSERTION OF COMPLIANCE******Management of the Trust & Securities Services department of Deutsche Bank National****Trust Company and Deutsche Bank Trust Company Americas (collectively the "Company") is responsible for assessing compliance with the servicing criteria set forth in item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. Management has determined that the servicing criteria are applicable in regard to the servicing platform for the period as follows:  Platform: Publicly-issued *(i.e.,*transaction-level reporting required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities and other asset-backed securities issued on or after January 1, 2006 for which the Company provides trustee, securities administration or paying agent services, excluding any publicly issued transactions sponsored or issued by any government sponsored entity (the "Platform").  Applicable Servicing Criteria : All servicing criteria set forth in Item 1122(d), except for the following criteria:  I l22(d)(2)(iii), I 122(d)(4)(iv), I 122(d)(4)(v), I 122(d)(4)(vi), I 122(d)(4)(vii), I 122(d)(4)(viii), I 122(d)(4)(ix), I 122(d)(4)(x), I 122(d)(4)(xi), I 122(d)(4)(xii), I l22(d)(4)(xiii) and I 122(d)(4)(xiv), which management has determined are not applicable to the activities the Company performs with respect to the Platform (the "Applicable Servicing Criteria").  Period: Twelve months ended Decemb er 31, 2006 (the "Period"). Management's interpretation of Applicable Servicing Criteria : The Company's management has determined that servicing criteria I l22 (d)(1)(iii) is applicable only with respect to its continuing obligation to act as, or locate a, successor servicer under the circumstances referred to in certain governing documents. It is management's interpretation that Deutsche Bank Trust Company America has no other active back-up servicing responsibilities in regards to I 122(d)(l)(iii) as of and for the Period. Third parties classified as vendors : With respect to servicing criteria I I22(d)(2)(i), I l22(d)(4)(i), and I l22(d)(4)(ii), management has engaged various vendors to perform the activities required by these servicing criteria. The Company's management has determined that these vendors are not considered a "servicer" as defined in Item 1101(j) of Regulation AB. and the Company's management has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations ("Interpretation 17.06"). As permitted by Interpretation 17.06, management has asserted that it has policies and procedures in place to provide reasonable assurance that the vendor's activities comply in all material respects with the servicing criteria applicable to each vendor. The Company's management is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendors and related criteria. With respect to the Platform, the Company's management provides the following assertion of compliance with respect to the Applicable Servicing Criteria: 1.  The Company's management is responsible for assessing the Company's compliance with the Applicable Servicing Criteria as of and for the Period.  2.  The Company's management has assessed compliance with the Applicable Servicing Criteria, including servicing criteria for which compliance is determined based on Interpretation 17.06 as described above, as ****of and for the Period. In performing this assessment, management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of item 1122 of Regulation AB.  3. Based on such assessment, as of and for the Period, the Company has complied, in all material respects, with the Applicable Servicing Criteria.   KPMG LLP, a registered public accounting firm, has issued an attestation report with respect to the management's assertion of compliance with the Applicable Servicing Criteria as of and for the Period. ******Appendix I******By: /s/ Gary R. Vaughan Name: Gary R. Vaughan Its: Managing Director By: /s/ David Co Name: David Co Its: Director By: /s/ Jose Sicilia Name: Jose Sicilia  Its: Managing Director By: /s/ Kevin Fischer Name: Kevin Fischer Its: Vice President By: /s/ Robert Frier Name: Robert Frier Its: Director  DEUTCHE BANK TRUST COMPANY AMERICAS By: /s/ Kevin C. Weeks Name: Kevin C. Weeks Its: Managing Director By: /s/ Jonna Kaufman Name: Jonna Kaufman Its: Director ******e)********GMAC Mortgage****Management's Assertion Concerning Compliance****With Regulation AR Item 1122 Servicing Criteria**March 6, 2007  GMAC Mortgage, LLC (the "Company") has responsibility for assessing compliance to Regulation AB Item 1122(d) Servicing Criteria for the GMACM Private Platform (the "Platform"). As of, and for the period ending December 31, 2006, the Company has used the applicable 1122(d) servicing criteria listed below for assessing compliance:  -1122(d)(1),(i),(ii)(iv); 1122(d)(2)(i),(ii),(iii),(v),(vi),(vii); 1122(d)(3)(iii),(iv);   1122(d)(4)(iii),(iv),(v),(vi),(vii),(viii),(ix),(x).(xi),(xii),(xiii),(xiv),(xv)  The following servicing criteria are not applicable to the Company:  -1122(d)(1)(iii); 1122 (d)(2)(iv); 1122 (d)(3)(i),(ii); 1122(d){4)(i),(ii)  The Company has engaged certain vendors (the "Vendors") to perform specific and limited, or scripted activities, and the Company elects to take responsibility for assessing compliance with the servicing criteria applicable to the Vendors set forth below:  -1122(d)(2)(i) 1122(d)(4)(iv)  -A vendor posts cash receipts received via lockbox submission to the Company's lockbox clearing account. -1122(d (4) (xi), (xiii)**-A vendor provides certain information to the Company to assist the Company in making tax and insurance payments on behalf of certain obligors. The Company has not identified and is not aware of any material instance of noncompliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole. The Company has not identified any material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole. The Company has complied, in all material respects, with the applicable servicing criteria above as of and for the period ending December 31, 2006 for the asset-backed transactions listed in Appendix A taken as a whole (such transactions, collectively, the "GMACM Private Platform"). An independent registered public accounting firm has issued an attestation report on the Company's assessment of compliance with the applicable servicing criteria as of, and for the period ending December 31, 2006.  **** /s/: Anthony Renzi Anthony N. Renzi  Executive Vice President  GMAC Mortgage, LLC  **Appendix A**Security SACO 06-1  SACO 06-12  SACO 06-8  2006-5 SACO 06-10  SACO 06-6  SACO 06-7  SACO 06-9  SACO 06-9  GPMF2006AR6  GPMF2006AR7  GPMF2006AR8  2006-ARS1  LMT 2006-7  LXS 06-l8N  2006-B  BAFC 06-5  HBVW 06-S81  GSMPS0rp1  GSR 2006-2F  GSR 2006-AR1  GSR 2006-4F  MSM 06-10SL  MSM 06-14SL.  GPMF2006AR4  GPMF2006AR5  LXS2006-12N  LXS2006-GP4  2006-3H  2006-GEL3  LMT 2006-2  SAIL 2006-2  2006-4N  2006-GP1  2006-GP2 2006-GP3  ****LXS 06-10N NAAC2006S1  NAAC2006S2  2006-GEL4  2006-RF2 2006-S1 LXS 06-10N  LXS 06-12N  LXS 2006-7  LXS 2006-8  LXS 2006-11 LXS 2006-13 2006-1  MALT 2006-1  MALT 2006-3  MASD 2006-1  2006-HE1 CSMC 2006-1 CSMC 2006-8  CSMC 2006-9  LUM 2006-4 LUM 2006-5  MARM 06OA2  MARP 06-2  MIT 2006-1  MSM 06-1AR MSM 06-9AR  MSM06-13ARX  MSM06-15XS   MSM06-16AX  MSMO6-17XS  SASCO 06BC2  BAFC 06-1  BAFC 06-2  BAFC 06-4  GSR 2006-3F  MASTR 06-1  MASTR 06-3  MASD 2006-2  ACE2006-SL 1  ACE2006-SL4 MASD 2006-2  MASD 2006-3  BAYVW2006-D  BSABS06SD2  BSALTA 06-I  BSALTA 06-3  BSALTA 06-4  BSALTA 06-5  BSALTA 06-8  BSARM2006-2 DBALT06AB1   ****DBALT06AB2  DBALT06AB3  DBALT06AB4  DBALT06AF1  DBALT06AR1  DBALT06AR2  DBALT06AR3  DBALT06AR5  DBALT06AR6  DBALT06OA1  HBRVW 06-10  HBRVW 06-8  HBRVW 06-8  PRIME06-CL1  SACO 06-11 SAIL 2006-3  2006-AR3 2006-AR4  2006-S5 ARMT 2006-2 GSR2006-A R2  HBVW2006-13 HBVW2006- 14  MARP 06-1 NHELI 06AF1  **f)**[Homecomings Financial A GMAC COMPANY LOGO] Management's Assertion Concerning Compliance With Regulation AB Item 1122 Servicing Criteria  March 5, 2007  Homecomings Financial, LLC (the "Company") has responsibility for assessing compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB that are applicable to the HFN Primary Servicing Platform (the "Platform"). As of, and for the period ending December 31, 2006 (the "Reporting Period"), the Company, has used the applicable 1122(d) servicing criteria listed below for assessing compliance:  -- 1122(d)(1)(ii),(iv); 1122(d)(2)(i),(ii),(iii) ,(v),(vi),(vii); 1122(d)(3)(iii),(iv);  1122(d)(4)(iv),(v),(vi),(vii),(viii),(ix),(x),(xi),(xii),(xiii),(xiv),(xv)  The following servicing criteria are not applicable to the Company:  -- 1122(d)(1)(i),(iii); 1122(d)(2)(iv); 1122(d)(3)(i),(ii); 1122(d)(4)(i),(ii),(iii)  ****The Company has engaged certain vendors (the "Vendors") to perform specific  and limited, or scripted activities, and the Company elects to take responsibility for assessing compliance with the servicing criteria applicable to the Vendors set forth below:  -- 1122(d)(2)(i); 1122(d)(4)(iv)  -A vendor posts cash receipts received via  lockbox submission to the Company's lockbox clearing account  -- 1122(d){4)(xi), (xiii)  - A vendor provides certain information to the Company to assist the Company in making tax and insurance payments on behalf of certain obligors.  - 1122(d)(4)(viii)  - A vendor initiate's initial contact with borrowers via telephone for delinquent accounts.  The Company has not identified and is not aware of any material instance of noncompliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole. The Company has not identified any material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole.  The Company has complied, in all material respects, with the applicable servicing criteria above as of and for the period ending December 31, 2006 for the asset-backed transactions listed in  Appendix A taken as a whole (such transactions, collectively, the "HFN Primary Servicing Platform").  An independent registered public accounting firm has issued an attestation report on the Company's assessment of compliance with the applicable servicing criteria as of, and for the period ending December 31, 2006.  Homecomings Financial, LLC  /s/ Anthony N. Renzi Anthony N. Renzi Managing Director  Homecomings Financial, LLC  Appendix A  Structured Deals  2006-EFCI  2006-EFC2 2006-H11 2006-H12  2006-H13  2006-H14  2006-H15 2006-HSA I  2006-HSA2  2006-NSA3  ****2006-HSA4  2006-NSAS  2006-KS1  2006-KS2  2006-KS3  2006-KS4  2006-Ks5  2006-KS6  2006-KS7  2006-KS8  2006-KS9  2006-NC1  2006.-NC2  2006-NC3  2006-QA1  2006-QA2  2006-QA3  2006-QA4  2006-QA5  2006-QA6  2006-QA7  2006-QA8  2006-QA9  2006-QA10  2006-QA11  2006-QH1  2006-QOl  2006-QO2  2006-QO3  2006-QO4  2006-QO5  2006-QO6  2006-QO7  2006-QO8  2006 -QO9  2006-QOlO  2006-QS1  2006-QS2  2006-Q53  2006-QS4  2006-QS5  2006-QS6  2006-Q57  2006-QS8  2006-Q89  2006-QS10 2006-QS11  2006-QS12  2006-QS13  2006.QS14  2006-QS15  ****2004.QS16  2006-QS17  2006-QS18  2006-RS1 2006-RS2  2006-RS3  2006-RS4  2006-RS5  2006-RS6  2006-RZl  2006-RZ2  2006-RZ3  2006-RZ4  2006-RZ5  2006-S1  2006-S2  2006-S3  2006-S4  2006-S5  2006-S6  2006-S7  2006-S8  2006-S9  2006-S10  2006-S11  2006-S12  2006-SAl  2006-SA2  2006-SA3  2006-SA4  2006-SP1  2006-SP2  2006-SP3  2006-SP4 Whole Loan  Deals  2006-HWH1  2006- HWH1A  2006- HWH2  2006- HWH7  2006-HWH9  2006-HWH10  2006- HWH11  2006- HWH15  2006- HWH16  2006- HWH17  2006-HWH2O  2006-HWH21  2006-KWH1  2006-POWH3  ****2006-POWH8  2006-POWH12  2006-POWH13  2006- POWH13B  2006-POWH14  2006- POWH16  2006-POWH16B  2006-POWH17  2006- POWH17B  2006-POWH18  2006-POWH18B  2006-POWH19  2006-POWH2O  2006-POWH21  2006-POWH22  2006-QWH8  2006-QWN2O  2006-WH1 2006-WH7  2006-WH11  2006-WH12  2006-WH14A  **g)**[imb LOGO] [Indymac LOGO] **Management's Assertion on Compliance with Applicable****Regulation AR 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;  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 complia nce 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  IndyMac Bank, F.S.B. By: /s/ Anthony L. Ebers       Anthony L. Ebers        Executive Vice President        Chief Executive Officer        Indymac Consumer Bank  ******APPENDIX A****SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA********INAPPLICABLE****SERVICING****CRITERIA************Performed****Performed****Performed by****NOT********Reference****Criteria****Directly****by****Indymac****by****Vendor(s)****for which****Indymac is****the****Responsible****Party****subservicer(s)****or vendor(s)****for which****Indymac is****NOT the****Responsible****Party****1****performed by****Indymac or****by****subservicer(s)****or vendor(s)****retained by****Indymac****2****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**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********************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.  ******X****3********X****3**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 l3k-l(b)(1) of the Securities Exchange Act.  **X**1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access.  **X****APPENDIX A****SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA********INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Indymac****Performed****by****Vendor(s)****for which****Indymac is****the****Responsible****Performed by  subservicer(s)****or vendor(s)****for which****Indymac is****NOT the****Responsible****NOT****performed by****Indymac or****by****subservicer(s)****or vendor(s)****retained by********Party****Party****1****Indymac****2**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.  **X****4****,****5****X****4**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****5**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****5**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****5****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. **********X****3************X****3************APPENDIX A****SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA********INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Indymac****Performed****by****Vendor(s)****for which****Performed by****subservicer(s)****or vendor(s)****for which****NOT****performed by****Indymac or****by********Indymac is****the****Responsible****Party****Indymac is****NOT the****Responsible****Party****1****subservicer(s)****or vendor(s)****retained by****Indymac****2**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.  ******X****6****X****6**1122(d)(4)(vii) 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.  **X****7********X****7********X****7**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****7************X****7****APPENDIX A****SERVICING CRITERIA****APPLICABLE****SERVICING CRITERIA********INAPPLICABLE****SERVICING****CRITERIA****Reference****Criteria****Performed****Directly****by****Indymac****Performed****by****Vendor(s)****for which****Performed by****subservicer(s)****or vendor(s)****for which****NOT****performed by****Indymac or****by********Indymac is****the****Responsible****Party****Indymac is****NOT the****Responsible****Party****1****subservicer(s)****or vendor(s)****retained by****Indymac****2**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****7********X****7**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)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements.  **X********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 1 122(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 defined 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.  7 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.  **h)****ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA**Newport Management Corporation (the "Asserting Party") provides this assessment of compliance with respect to its performance of functions for the Applicable Servicing Criteria, as specified in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission, in regards to the loans selected in the Platform for the following Period: Platform:  Pools of loans, underlying publicly-issued residential mortgage-backed securities that were issued on or after January 1, 2006 by IndyMac Bank ("IndyMac"), on which escrow payments were disbursed in 2006, specifically Item 1122(d)(4)(xi). only as it relates to the "Applicable Servicing Criteria" described below, and as disclosed by IndyMac to the Asserting Party (collectively, "Eligible Loans", as identified in Schedule A). Period:   As of and for the year ended December 31, 2006. ****Applicable Servicing Criteria :  the servicing criteria which applies to the functions performed by the Asserting Party is set forth in Section 229.1122(d)(4)(xi) ("Applicable Servicing Criteria"). With respect to the Applicable Servicing Criteria, the Asserting Party performs the following limited functions: 1. Processes the obligor's hazard insurance information it receives and provides IndyMac with the applicable hazard insurance effective date, payment amount, and payee (collectively, "Insurance Information"); 2. Provides the Insurance Information to IndyMac no later than 5 days prior to the applicable expiration date as indicated in the Insurance Information. With respect to the Platform, and with respect to the Period, the Asserting Party provides the following assessment of its compliance in respect of the Applicable Servicing Criteria (as defined above): 1. The Asserting Party is responsible for assessing its compliance with respect to the functions it performs for the Applicable Servicing Criteria. 2. The Asserting Party has assessed its compliance with respect to the functions it performs for the Applicable Servicing Criteria. 3. Other than as identified on Schedule B hereto, as of and for the Period, the Asserting Party was in material compliance with respect to the functions it performs for the Applicable Servicing Criteria. KPMG, LLP. an independent registered public accounting firm, has issued an attestation report with respect to the Asserting Party's foregoing assessment of compliance. **NEWPORT MANAGEMENT CORPORATION**By: /s/ Mark A. McEnroy Mark A. McElroy Its:  Executive Vice President Dated:  February 27, 2007 **SCHEDULE A**Exhibit maintained at the office of the depositor. **i)****GMAC RFC (LOGO)****Management's Assertion Concerning Compliance  With Regulation AR Item 1122 Servicing Criteria******March 6, 2007  ********Residential Funding Company USC (the `Company') has responsibility for assessing compliance to Regulation AB Item 1122(d) Servicing Criteria for the RFC Master Servicing Platform. As of, and for the period ending December 31, 2006, the Company has used the applicable 1122(d) servicing criteria listed below for assessing compliance.  -- 1122(d)(1 i),(iii),iv); 1122(d)(2) (i),(ii),(iii),(v),(vii); 1122(d)(3)(i),(ii),(iii), (iv); 1122(d)(i),(iii)(iv),(vi),(vii),(ix),(xiv)(xv)  The following servicing criteria are not applicable to the Company:  **--**1122(d)(l)(ii) 1122(d)(2)(iv)(vi); 1122(d)(4)(ii)(v),(viii),(x),(xi),(xii),(xiii)  The Company has complied, in all material respects, with the applicable servicing criteria above  as of and for the period ending December 31. 2006 for the asset-backed transactions listed in  Appendix A taken as a whole (such transactions, collectively, the `RFC Master Servicing  Platform'), with  the exception of criteria 1122(d)(3)(i)(b). as noted in Appendix  B.  An independent registered public accounting firm has issued an attestation report on the Company's assessment of compliance with the applicable servicing criteria as of, and for the period ending December 31, 2006.****/s/ Anthony N. Renzi Anthony N. Renzi  Managing Director  Residential Funding Company, LLCAppendix A  Structured Deals 2006-Q05 2006-SA4 2006-EFC1    2006-Q06  2006-SP1 2006-EEC2    2006-Q07 2006-SP2 2006-EMX1   2006-Q08  2006-SP3 2006-EMX2    2006-Q09 2006-SP4 2006-EMX3   2006-Q010    2006-EMX4   2006-QS1 Whole Loan Deals 2006-EMX5   2006-QS2 2006-HWH1 2006-EMX6   2006-QS3 2006-HWH1A 2006-EMX7   2006-QS4 2006-HWH2 2006-EMX8   2006-QS5 2006-HWH7 2006-EMX9   2006-QS6 2006-HWH9 2006-H11 2006-QS7 2006-HWH10 ****2006-H12 2006-QS8  2006-HWH11 2006-H13 2006-QS9 2006-HWH15 2006-H14 2006-QS10 2006-HWH16  2006-H15 2006-QS11 2006-HWH17 2006-HSA1   2006-QS12 2006-HWH20  2006-HSA2   2006-QS13    2006-HWH21 2006-HSA3   2006-QS14 2006-KWH1 2006-HSA4   2006-QS15 2006-POWH3 2006-HSA5   2006-QS16    2006-POWH8 2006-KS1 2006-QS17 2006-POWH12 2006-KS2 2006-QS18 2006-POWH13 2006-KS3 2006-RS1 2006-POWH13B 2006-KS4 2006-RS2 2006-POWH14 2006-KS5 2006-RS3 2006-POWH16 2006-KS6 2006-RS4 2006-POWH16B 2006-KS7 2006-RS5 2006-POWH17 2006-KS8 2006-RS6 2006-POWH17B 2006-KS9 2006-RZ1 2006-POWHI8  2006-NC1 2006-RZ2 2006-POWH18B 2006-NC2 2006-RZ3 2006-POWH19 2006-NC3 2006-RZ4 2006-POWH20 2006-QA1 2006-RZ5 2006-POWH21 2006-QA2 2006-S1 2006-POWH22 2006-QA3 2006-S2 2006-QWH8 2006-QA4 2006-S3 2006-QWH20 2006-QA5 2006-S5 2006-WH1 2006-QA6 2006-S6 2006-WH7 2006-QA7 2006-S7 2006-WH11 2006-QA8 2006-S8 2006-WH12 2006-QA9 2006-S9 2006-WH14A 2006-QA10   2006-S10 2006-WH21 2006-QA11   2006-S11  2006-QH1 2006-S12  Canadian Deals  2006-Q01 2006-SA1 2006-C4 2006-Q02 2006-SA2 2006-C5  2006-Q03 2006-SA3  2006-Q04 **Appendix B**1. With regard to 1122 Criteria (d)(3)(i)(b), information required per the transaction documents were excluded from certain of the investor reports.  **Corrective Action**1. Corrective action was completed to ensure ongoing compliance for the excluded reporting items  ******j)**Management's Assertion Report on Compliance with Applicable Servicing Criteria Pursuant to Item 1122 of Regulation AB under the Securities Exchange Act of 1934 U.S. Bank National Association ("U.S. Bank") as a party participating in the servicing function for the following transactions: **U.S. Bank Corporate Trust Asset Backed Securities Platform(1)******hereby provides the following report on its assessment of compliance with the servicing criteria set forth in Item 1122 of Regulation AB applicable to it and as described on Exhibit A hereto: 1.  U.S. Bank is responsible for assessing its compliance with the servicing criteria applicable to it as noted on the accompanying Exhibit A; 2.  U.S. Bank used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess its compliance with the applicable servicing criteria ; 3.  U.S. Bank's assessment of its compliance with the applicable servicing criteria is as of and for the period beginning on January 1, 2006 and ending December 31, 2006, the end of the fiscal year covered by the Form 10-K report. U.S. Bank's participation in the servicing function complied in all material respects with the applicable servicing criteria . 4.  Ernst & Young, a registered public accounting firm, has issued an attestation report on U.S. Bank's assessment of compliance with the applicable servicing criteria as of and for the period beginning on January 1, 2006 and ending December 31, 2006, the end of the fiscal year covered by the Form 10-K report. U.S. BANK NATIONAL ASSOCIATION /s/ Bryan R. Calder Name: Bryan R. Calder Title: Executive Vice President Date: February 26, 2007 (1) The U.S. Bank Corporate Trust ABS Platform (the "Platform") consists of the activities involved in the performance of servicing functions for (i) publicly issued asset-backed and mortgage-backed transactions the securities of which were offered on or after January 1, 2006 and (ii) certain asset-backed transactions offered prior to January 1, 2006 for which the Issuer has voluntarily elected to make Regulation AB compliant filings under the Securities Exchange Act of 1934, as amended. The Platform does not include transactions comprised of the repackaging of corporate debt and/or other agency securities. **************EXHIBIT A to Management's Assertion****Reg AB****Servicing Criteria****Reference 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. 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. 1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the Pool Assets are maintained. Not Applicable 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. **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. 1122(d)(2)(ii) Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. 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. 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. 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-1(b)(1) of the Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access. 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. **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. 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. 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. 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. **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. 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements 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. 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. Not Applicable 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. Not Applicable 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. Not Applicable ****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. Not Applicable 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). Not Applicable 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. Not Applicable 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. Not Applicable 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. Not Applicable 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. Not Applicable 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. Not Applicable 1122(d)(4)(xiv)  Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. Not Applicable ****1122(d)(4)(xv)  Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. **k)**[WELLS FARGO logo] Wells Fargo Bank, N.A.  Document Custody  1015 10th Avenue SE  Minneapolis, MN 55414  Appendix I  ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA Corporate Trust Services division of Wells Fargo Bank, National Association (the "Company") is responsible for assessing compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. The Company has determined that the servicing criteria are applicable in regard to the servicing-platform for the period as follows:  Platform: Publicly-issued (i.e., transaction-level reporting required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities and commercial mortgage-backed securities issued on or after January 1, 2006, for which the Company provides document custody services, excluding any publicly issued transactions issued by any government sponsored entity (the "Platform").  Applicable Servicing Criteria: The servicing criteria set forth in Item 1122(d)(4)(i) and 1122(d)(4)(ii), in regard to the activities performed by the Company with respect to the Platform (the "Applicable Servicing Criteria"). The Company has determined that all other servicing criteria set forth in Item 1122(d) are not applicable to the Platform.  Period: Twelve months ended December 31, 2006 (the "Period").  With respect to the Platform, the Company provides the following assessment of compliance with respect to the Applicable Servicing Criteria:  1. The Company is responsible for assessing the Company's compliance with the Applicable Servicing Criteria as of and for the Period.  2. The Company has assessed compliance with the Applicable Servicing Criteria. In performing this assessment, the Company used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.  3. Based on such assessment, as of and for the Period, the Company has complied, in all material respects with the Applicable Servicing Criteria.  KPMG LLP, a registered public accounting firm, has issued an attestation report with respect to the Company's assessment of compliance as of and for the Period.  WELLS FARGO BANK, NATIONAL ASSOCIATION  /s/: Shari L. Gillund  Its: Senior Vice President  Dated:: March 1, 2007 ********