Certification Regarding Compliance with Applicable, Servicing Criteria

To:   Citibank N.A.
      Citigroup Mortgage Loan Trust Inc.

      Re   Servicing Agreement ("Agreement") dated as of May 23, 2006, by and
           among Citigroup HELOC Trust Series 2006-NCBI, Citibank, N. A.,
           U. S: Bank National Association and National City Bank (the
           "Servicer".)

1.  The Servicer 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 Exhibit A hereto. The
    transaction covered by this report includes an asset-backed securities
    transaction for which the Services acted as servicer involving home
    equity line of credit loans (the "Platform").

2,  The Servicer has engaged certain vendors {"Vendors") to perform specific,
    limited or scripted activities and the Servicer 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 Exhibit A hereto.

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 thee compliance with the applicable servicing Criteria.

4.  The criteria listed in the column titled "Inapplicable Servicing
    Criteria", on Exhibit A hereto are inapplicable to the Services based on
    the activities it performs, directly or through its Vendors with respect
    to the Platforms.

5.  The Servicer 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.

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 December 31, 2006 and for the Reporting Period with
    respect to the Platform taken as a whole.

7.  The Servicer has not identified any material deficiency in it 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.

8:  Ernst & Young LLP, a registered public accounting firm, has issued an
    attestation report on the Servicer's assessment of compliance with the
    applicable servicing criteria for the Reporting Period.

March 1,2O07

                                       National City Bank as Servicer
                                       /s/ Russell A. Cronin, Jr.
                                       -------------------------
                                       By: Russell A. Cronin, Jr,
                                       Senior Vice President




                                                 EXHIBIT A


<TABLE>
<CAPTION>
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                               Servicing Criteria                                   Applicable     Performed       Inapplicable
                                                                                    Servicing         by           Servicing
                                                                                    Criteria        Vendor(s)       Criteria
--------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
--------------------------------------------------------------------------------------------------------------------------------
                               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.
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                  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
                  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
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-l(b)(l) of the Securities
1122(d)(2)(v)     Exchange Act.
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                  Unissued checks are safeguarded so as to prevent unauthorized                                          X
1122(d)(2)(vi)    access.
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                  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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</TABLE>
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<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable     Performed       Inapplicable
                                                                                    Servicing         by           Servicing
                                                                                    Criteria        Vendor(s)       Criteria
--------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
---------------------------------------------------------------------------------------------------------------------------------
                       Investor Remittances and Reporting
---------------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                  <C>           <C>                <C>
                  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
                  required by the transaction agreements or related mortgage
1122(d)(4)(i)     loan documents.
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                  Mortgage loan and related documents are safeguarded as                X            X(1)
1122(d)(4)(ii)    required by the transaction agreements.
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                  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            X(2)
                  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.
---------------------------------------------------------------------------------------------------------------------------------
                  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.
--------------------------------------------------------------------------------------------------------------------------------
</TABLE>
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<TABLE>
<CAPTION>
--------------------------------------------------------------------------------------------------------------------------------
                               Servicing Criteria                                   Applicable     Performed       Inapplicable
                                                                                    Servicing         by           Servicing
                                                                                    Criteria        Vendor(s)       Criteria
--------------------------------------------------------------------------------------------------------------------------------
  Reference                                  Criteria
---------------------------------------------------------------------------------------------------------------------------------
<S>               <C>                                                                  <C>           <C>                <C>
                  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
                  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
                  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
                  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
                  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.
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</TABLE>

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(1)  Vendor is Cintas Corporation.  Cintas provides storage for all home
     equity lines of credit (HELOCs) documentation.
(2)  Vendors are First Express and First Data Resources, Inc. (FDR).
     First Express provides lock box service.  A majority of payments on
     HELOCs are received through First Express, although some payments on
     HELOCs come directly to Lending Services Payment Processing (part of
     NAtional City).  First Express transmits payment information
     electronically, which is uploaded to the FDR servicing system daily.
     For those payments recieved directly by lending services, Lending
     Services manually posts the payments to the FDR servicing system.