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**GreenPoint      Mortgage Funding, Inc.**

**Certification      Regarding Compliance with Applicable Servicing Criteria**

| 1.   | GreenPoint                Mortgage Funding, Inc, ("GreenPoint") 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 ending December 31, 2006 (the                "Reporting                Period"), as set forth in Appendix A hereto. The transactions covered                by                this report                include asset-backed securities transactions for which GreenPoint                acted as                servicer involving                residential mortgage loans (the "Platform"); |
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| 2.   | GreenPoint                has engaged certain vendors (the "Vendors") to perform specific,                limited                or scripted                activities, and GreenPoint elects 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; |
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| 3.   | Except                as set forth in paragraph 4 below, GreenPoint used the criteria set                forth                in paragraph                (d) of Item 1122 of Regulation AB to assess the compliance with the                applicable                servicing criteria; |
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| 4.   | The                criteria listed in the column titled "Inapplicable Servicing Criteria"                on                Appendix A hereto                are inapplicable to GreenPoint based on the activities it performs,                directly or through                its Vendors, with respect to the                Platform; |
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| 5.   | GreenPoint                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                Platform taken as a                whole, except as described on Appendix B                hereto; |
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| 6.   | GreenPoint                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; |
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| 7.   | GreenPoint                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;                and |
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| 8.   | Ernst                & Young, a registered public accounting firm, has issued an                attestation report on GreenPoint's                assessment of compliance with the applicable servicing criteria for                the                Reporting                Period. |
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|   |                  |  GreenPoint                Mortgage Funding, Inc.   |
|--------|-----------------------|----------------------------------------------------------|
|   |    By: |    /s/                Michael DeFrancesco |
|   |                  | Name:                Michael DeFrancesco                 |
|   |                  | Title:                Senior Vice President,             |
|   |                  | Loan                Administration                       |

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|  **SERVICING                CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |  **APPLICABLE****SERVICING CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | **INAPPLICABLE****SERVICING****CRITERIA***                                              |
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|        **Reference**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |        **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |     **Performed                Directly****by**** GreenPoint** | **Performed****by****Vendor(s)                for which GreenPoint is 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                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 back­up                servicer for the mortgage loans 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 mortgage loans 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                                                                                       | X(1) |   |
| 1122(d)(2)(ii)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Disbursements                made via wire transfer on behalf of an obligor or to an investor                are made                only by authorized                personnel.                                                                                                                                                                                                                                                                                         | X                                                                                       |   |   |
| 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 13k-l(b)(l) of the Securities Exchange                Act. | X                                                                                       |   |   |
| 1122(d)(2)(vi)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Unissued                checks are safeguarded so as to prevent unauthorized                access.                                                                                                                                                                                                                                                                                                                                                                                                                    | X                                                                                       |   |   |

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|   **SERVICING                CRITERIA**       |  **APPLICABLE                SERVICING CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | **INAPPLICABLE****SERVICING****CRITERIA***                                              |
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|        **Reference** |        **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |     **Performed                Directly****by**** GreenPoint** | **Performed****by****Vendor(s)                for which GreenPoint is 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 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 mortgage loans serviced by the                Servicer.                                                          | X                                                                                       |   |   |
| 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                                                                                       |   |   |
| 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                                                                                       |   |   |
| 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                                                                                       | **■** |   |
| **Pool                Asset Administration**            |
| 1122(d)(4)(i)                                           | Collateral                or security on mortgage loans is maintained as required by the transaction                agreements or related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |                                                                                    |   | X |
| 1122(d)(4)(ii)                                          | Mortgage                loan 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 mortgage loans, including any payoffs, made in 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                accordance with the related mortgage loan documents.                                                                                                                                                                                                                                                                                                                                                                                         | X                                                                                       | X(1) |   |
| 1122(d)(4)(v)                                           | The                Servicer's records regarding the mortgage loans agree with the Servicer's                records with respect to an obligor's unpaid principal                balance.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | X                                                                                       |   |   |

| (1) | The                servicer has elected to take responsibility for assessing compliance                with                such servicing criteria as permitted by the Interpretation 17.06                of the                SEC Division of Finance telephone interpretation with respect to                the                initial processing of cash receipts at the lockbox. |
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| (2) | The                servicer will obtain an assertion of management and an accompanying                1122                attestation report from the vendor performing such                activities.                                                                                                                                                                                 |

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|   **SERVICING                CRITERIA**       |  **APPLICABLE****SERVICING CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | **INAPPLICABLE****SERVICING****CRITERIA***                                              |
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|        **Reference** |        **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |     **Performed                Directly****by**** GreenPoint** | **Performed****by****Vendor(s)                for which GreenPoint is the responsible party** |      |
| 1122(d)(4)(vi)                                          | Changes                with respect to the terms or status of an obligor's mortgage loans                (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                                                                                       |   |   |
| 1122(d)(4)(viii)                                        | Records                documenting collection efforts are maintained during the period a                mortgage                loan 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 mortgage loans 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 mortgage loans with variable                rates are computed based on the related mortgage loan                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 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 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(2) |   |
| 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(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                                                                                       |   |   |
| 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)(l)                through (3) or Item 1115 of Regulation AB, is maintained as set forth                in                the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |                                                                                    |   | X |

| (1) | The                servicer has elected to take responsibility for assessing compliance                with                such servicing criteria as permitted by the Interpretation 17.06                of the                SEC Division of Finance telephone interpretation with respect to                the                initial processing of cash receipts at the lockbox. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2) | The                servicer will obtain an assertion of management and an accompanying                1122                attestation report from the vendor performing such                activities.                                                                                                                                                                                 |

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