citimortgage
                                                   CitiMortgage, Inc.
                                                   Capital Markets
                                                   1000 Technology Drive
                                                   O'Fallon, MO 63368-2240

                                                   www.citimortgage.com

    Management Assessment of Compliance with Applicable Servicing Criteria


1. CitiMortgage, Inc (the "Servicer") is responsible for assessing compliance
with the servicing criteria applicable to it under paragraph (d) of Item 1122
of Regulation AB, as set forth in Exhibit A hereto, in connection with the
servicing of 1) first lien residential mortgage loans (other than (a) Freddie
Mac, Fannie Mae, Ginnie Mae residential mortgage loan securitizations, (b)
special bond programs and (c) loans held for its own portfolio) and 2) student
loans issued subsequent to January 1, 2006, for which the Servicer performs a
particular servicing function pursuant to a servicing agreement with a third
party, utilizing the Citilink system (the "Platform") as of and for the year
ended December 31, 2006;

2. The Servicer has engaged certain vendors (the "Vendors") to perform
specific, limited or scripted activities as of and for the year ended December
31, 2006. As set north in Exhibit A hereto, the Servicer's management has
determined that these Vendors are not considered a "servicer" as defined in Item
1101(j) of Regulation AB, and the Servicer'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 17.0 5, management has
asserted that it has policies and procedures in place designed to provide
reasonable assurance that the Vendors' activities comply in all material
respects with the servicing criteria applicable to each Vendor. The Servicer's
management is solely responsible for determining that it meets the SEC
requirements to apply Interpretation 17.06 for the Vendors and related criteria;

3. Except as set forth in paragraph 4 below, the Servicer used the criteria set
forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance
with the applicable servicing criteria as of and for the year ended December 31,
2006;

4. The criteria listed as Inapplicable Servicing Criteria on Exhibit A hereto
are inapplicable to the Servicer based on the activities it performs with
respect to asset-backed securities transactions involving the Platform. For
student loan transactions all of the criteria on Exhibit A are inapplicable to
the Servicer, except for 1122(d)(3)(i)(A), 1122(d)(3)(i)(B) and 1122(d)(3)(ii),
based on the activities it performs with respect to asset-backed securities
transactions involving the Platform;

5. The Servicer has complied, in all material respects, with the applicable
servicing criteria as of and for the year ended December 31, 2006;

6. The Servicer has not identified and is not aware of any material instance
of noncompliance by the Vendors with the applicable servicing criteria as of
and for the year ended December 31, 2006;

CitiMortgage, Inc. does business as Citicorp Mortgage in NM.
                                                        A member of citigroup




7. The Servicer 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 year ended December 31, 2006; and

8. KPMG LLP, a registered public accounting firm, has issued an attestation
report on the Servicer's assessment of compliance with the applicable
servicing criteria as of and for the year ended December 31, 2006.



February 27, 2007


By:  /s/ Herb Gover
   ----------------------
Name: Herb Gover
Title: Executive Vice President, North American Consumer Asset Operations



                                    EXHIBIT A


<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                  Servicing
                                                                                                                     Criteria
--------------------------------------------------------------------------------------------------------------------------------
                                                                                                 Performed by
                                                                                                 Vendor(s) for
  Reference                                  Criteria                               Performed    which Servicer
                                                                                       by        is responsible
                                                                                    Servicer(2)     Party(3)
--------------------------------------------------------------------------------------------------------------------------------
                               General Servicing Considerations
--------------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                  <C>           <C>                <C>
                  Policies and procedures are instituted to monitor any                 X
                  performance or other triggers and events of default in
1122(d)(1)(i)     accordance with the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  If any material servicing activities are outsourced to                X
                  third parties, policies and procedures are instituted to
                  monitor the third party's performance and compliance with
1122(d)(1)(ii)    such servicing activities.
--------------------------------------------------------------------------------------------------------------------------------
                  Any requirements in the transaction agreements to maintain a                                           X
1122(d)(1)(iii)   back-up servicer for the mortgage loans are maintained,
--------------------------------------------------------------------------------------------------------------------------------
                  A fidelity bond and errors and omissions policy is in effect          X
                  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
1122(d)(1)(iv)    transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                       Cash Collection and Administration
--------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans are deposited into the                     X(i)         X(ii)
                  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
1122(d)(2)(i)     transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made via wire transfer on behalf of an obligor          X(iii)       X(iv)
1122(d)(2)(ii)    or to an investor are made only by authorized personnel.
--------------------------------------------------------------------------------------------------------------------------------
                  Advances of funds or guarantees regarding collections, cash           X
                  flows or distributions, and any interest or other fees charged
                  for such advances, are made, reviewed and approved as
1122(d)(2)(iii)   specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  The related accounts for the transaction, such as cash                                                 X
                  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
1122(d)(2)(iv)    transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Each custodial account is maintained at a federally insured           X
                  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
1122(d)(2)(v)     Exchange Act.
--------------------------------------------------------------------------------------------------------------------------------
</TABLE>
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(1)   Check only cirteria that Servicer neither performs nor takes
      responsibility for the performance of a Vendor.

(2)   If checked, describe in footnate any portion of the applicable criterion
      that is not performed by the Servicer (because performed by Vendor or
      performed by another servicing funtion participant).  See footnotes to
      Exhibit A at the end of the document.

(3)   If checked, describe in footnote the portion of the applicable criterion
      (if less than all) that is performed by the Vendor.  see footnotes to
      Exhibit A at the end of the document.


<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
--------------------------------------------------------------------------------------------------------------------------------
                                                                                                 Performed by
                                                                                                 Vendor(s) for
  Reference                                  Criteria                               Performed    which Servicer
                                                                                       by        is responsible
                                                                                    Servicer(2)     Party(3)
--------------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                  <C>           <C>                <C>

                  Unissued checks are safeguarded so as to prevent unauthorized         X
1122(d)(2)(vi)    access.
--------------------------------------------------------------------------------------------------------------------------------
                  Reconciliations are prepared on a monthly basis for all               X
                  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 transactidn
                  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
1122(d)(2)(vii)   the transaction agreements.
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                       Investor Remittances and Reporting
---------------------------------------------------------------------------------------------------------------------------------
                  Reports to investors, including those to be filed with the            X
                  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 mortgage loans serviced by the
1122(d)(3)(i)     Servicer.
---------------------------------------------------------------------------------------------------------------------------------
                  Amounts due to investors are allocated and remitted in                X
                  accordance with timeframes, distribution priority and other terms
1122(d)(3)(ii)    set forth in the transaction agreements.
---------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made to an investor are posted within two               X
                  business days to the Servicer's investor records, or such
1122(d)(3)(iii)   other number of days specified in the transaction agreements.
---------------------------------------------------------------------------------------------------------------------------------
                  Amounts remitted to investors per the investor reports                X
                  agree with cancelled checks, or other form of payment, or
1122(d)(3)(iv)    custodial bank statements.
---------------------------------------------------------------------------------------------------------------------------------
                            Pool Asset Administration
---------------------------------------------------------------------------------------------------------------------------------
                  Collateral or security on mortgage loans is maintained as             X(v)         X(vi)
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
---------------------------------------------------------------------------------------------------------------------------------
                  Mortgage loan and related documents are safeguarded as                             X(vi)
1122(d)(4)(ii)    required by the transaction agreements.
---------------------------------------------------------------------------------------------------------------------------------
                  Any additions, removals or substitutions to the asset pool            X
                  are made, reviewed and approved in accordance with any
1122(d)(4)(iii)   conditions or requirements in the transaction agreements.
---------------------------------------------------------------------------------------------------------------------------------
                  Payments on mortgage loans, including any payoffs, made in            X(viii)      X(ix)
                  accordance with the related mortgage loan 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
1122(d)(4)(iv)    accordance with the related mortgage loan documents.
---------------------------------------------------------------------------------------------------------------------------------
                  The Servicer's records regarding the mortgage loans agree             X
                  with the Servicer's records with respect to an obligor's
1122(d)(4)(v)     unpaid principal balance.
---------------------------------------------------------------------------------------------------------------------------------

</TABLE>
----------


<PAGE>

<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable Servicing          Inapplicable
                                                                                          Criteria                 Servicing
                                                                                                                    Criteria
--------------------------------------------------------------------------------------------------------------------------------
                                                                                                 Performed by
                                                                                                 Vendor(s) for
  Reference                                  Criteria                               Performed    which Servicer
                                                                                       by        is responsible
                                                                                    Servicer(2)     Party(3)
--------------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                  <C>           <C>                <C>
                  Changes with respect to the terms or status of an obligor's           X
                  mortgage loans (e.g., loan modifications or re-agings) are
                  made, reviewed and approved by authorised personnel in
                  accordance with the transaction agreements and related pool
1122(d)(4)(vi)    asset documents.
--------------------------------------------------------------------------------------------------------------------------------
                  Loss mitigation or recovery actions (e.g., forbearance plans,         X
                  modifications and deeds in lieu of foreclosure, foreclosures
                  and repossessions, as applicable) are initiated, conducted and
                  concluded in accordance with the timeframes or other
1122(d)(4)(vii)   requirements established by the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Records documenting collection efforts are maintained during          X
                  the period a mortgage loan is delinquent in accordance with
                  the transaction agreements. Such records arc 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 mortgage loans including, for
                  example, phone calls, letters and payment rescheduling plans
                  in cases where delinquency is deemed temporary (e.g., illness
1122(d)(4)(viii)  or unemployment).
--------------------------------------------------------------------------------------------------------------------------------
                  Adjustments to interest rates or rates of return for mortgage         X
                  loans with variable rates are computed based on the related
1122(d)(4)(ix)    mortgage loan documents.
--------------------------------------------------------------------------------------------------------------------------------
                  Regarding any funds held in trust for an obligor (such as             X(x)       X(xi)
                  escrow accounts): (A) such funds are analyzed, in accordance
                  with the obligor's mortgage loan 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 mortgage
                  loan documents and state laws; and (C) such funds are returned
                  to the obligor within 30 calendar days of full repayment of
                  the related mortgage loans, or such other number of days
1122(d)(4)(x)     specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Payments made on behalf of an obligor (such as tax or                 X(xii)     X(xiii)
                  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
1122(d)(4)(xi)    number of days specified in the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Any late payment penalties in connection with any payment             X(xiv)     x(xv)
                  to be made on behalf of an obligor are paid from the
                  Servicer's funds and not charged to the obligor, unless the
1122(d)(4)(xii)   late payment was due to the obligor's error or omission.
--------------------------------------------------------------------------------------------------------------------------------
                  Disbursements made on behalf of an obligor are posted                 X(xvi)     X(xvii)
                  within two business days to the obligor's records maintained
                  by the servicer, or such other number of days specified in
1122(d)(4)(xiii)  the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Delinquencies, charge-offs and uncollectible accounts are             X
                  recognized and recorded in accordance with the transaction
1122(d)(4)(xiv)   agreements.
--------------------------------------------------------------------------------------------------------------------------------
                  Any external enhancement or other support, identified in Item         X
                  1114(a)(1) through (3) or Item 1115 of Regulation AB, is
1122(d)(4)(xv)    maintained as set forth in the transaction agreements.
--------------------------------------------------------------------------------------------------------------------------------
</TABLE>

--------------------------------------------------------------------------
Footnotes to Exhibit A Servicing Criteria

i  The servicer performs all of the criterion 1122(d)(2)(i) except for the
lockbox function, which is a specific, limited activity.

ii  The vendor performs only the lockbox function for criterion 1122(d)(2)(i)

iii  The servicer under criterion 1122(d)(2)(ii) makes authorized
disbursements on behalf of an obligor for escrowed amounts and to investors
and/or the paying agent for their disbursement to investors. The paying agent
(another party participating in the servicing function for which the servicer
is not the responsible party) makes authorized disbursements to investors.

iv  Under criterion 1122(d)(2)(ii), in specific, limited instances the tax
and insurance monitoring vendors make disbursements on behalf of an obligor.

v  The servicer prepares and ships the required loan documents to the vendor
that performs the custodian function.

vi  The vendor performs the custodian function.

vii  The vendor performs the custodian function.

viii  The servicer performs all of the criterion 1122(d)(4)(iv) except for
the lockbox function, which s a specific, limited activity.

ix  The vendor performs only the lockbox function for criterion 1122(d)(4)
(iv).

x  The servicer performs all of the functions under criterion 1122(d)(4)(x)
except for specific, limited tax and insurance monitoring activity performed
by vendors.

xi  The vendors performs specific, limited tax and insurance monitoring
functions for criterion 1122(d)(4)(x).

xii  The servicer performs all of the functions under criterion 1122(d)(4)
(xi) except for specific, limited tax and insurance monitoring activity
performed by vendors.

xiii  The vendors performs specific, limited tax and insurance monitoring
functions for criterion 1122(d)(4)(xi).

xiv  The servicer performs all of the functions under criterion 1122(d)(4)
(xii) except for specific, limited tax and insurance monitoring activity
performed by vendors.

xv  The vendors performs specific, limited tax and insurance monitoring
functions for criterion 1122(d)(4)(xii).

xvi  The servicer performs all of the functions under criterion 1122(d)(4)
(xiii) except for specific, limited tax and insurance monitoring activity
performed by vendors.

xvii  The vendors performs specific, limited tax and insurance monitoring
functions for criterion 1122(d)(4)(xiii).