**CitiMortgage, Inc.**

**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; |
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| 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 forth 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 17.06, 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; |
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| 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; |
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| 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; |
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| 5. | The                    Servicer has complied, in all material respects, with the applicable                    servicing criteria as of and for the year ended December 31,                    2006; |
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| 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; |
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| 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 |
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| 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. |
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| **SERVICING                  CRITERIA**                                                                                                                 | **APPLICABLE****SERVICING                  CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | **INAPPLICABLE                  SERVICING CRITERIA****1** |
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| **Reference**                                                                                                                                           | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | **Performed                  Directly by Servicer****2**  | **Performed                  by Vendor(s) for which Servicer is Responsible Party****3** |   |
| **                General                  Servicing Considerations**   |
| 1122(d)(1)(i)                                                                                                                                           | Policies                  and procedures are instituted to monitor any performance or other                  triggers                  and events of default in accordance with the transaction                  agreements.                                                                                                                                                                                                                                                                                                        | **X**                                                     |   |   |
| 1122(d)(1)(ii)                                                                                                                                          | If                  any material servicing activities are outsourced to third parties,                  policies and procedures are instituted to monitor the third party’s                  performance and compliance with such servicing activities.                                                                                                                                                                                                                                                                       | **X**                                                     |   |   |
| 1122(d)(1)(iii)                                                                                                                                         | Any                  requirements in the transaction agreements to maintain a back-up                  servicer                  for the 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**i                                                    | **X**ii |   |
| 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**iii                                                  | **X**iv |   |
| 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-1(b)(1) of the Securities Exchange                  Act. | **X**                                                     |   |   |

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| **SERVICING                  CRITERIA**                                                                                                                 | **APPLICABLE****SERVICING                  CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | **INAPPLICABLE                  SERVICING CRITERIA****1** |
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| **Reference**                                                                                                                                           | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | **Performed                  Directly by Servicer****2**  | **Performed                  by Vendor(s) for which Servicer is Responsible Party****3** |   |
| 1122(d)(2)(vi)                                                                                                                                          | Unissued                  checks are safeguarded so as to prevent unauthorized                  access.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **X**                                                     |   |   |
| 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**v                                                    | **X**vi |   |
| 1122(d)(4)(ii)                                                                                                                                          | Mortgage                  loan and related documents are safeguarded as required by the transaction                  agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |                                                      | **X**vii |   |
| 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**viii                                                 | **X**ix |   |
| 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**                                                     |   |   |

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| **SERVICING                  CRITERIA** | **APPLICABLE****SERVICING                  CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | **INAPPLICABLE                  SERVICING CRITERIA****1** |
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| **Reference**                           | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | **Performed                  Directly by Servicer****2**  | **Performed                  by Vendor(s) for which Servicer is Responsible Party****3** |   |
| 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**x                                                    | **X**xi |   |
| 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**xii                                                  | **X**xiii |   |
| 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**xiv                                                  | **X**xv |   |
| 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**xvi                                                  | **X**xvii |   |
| 1122(d)(4)(xiv)                         | Delinquencies,                  charge-offs and uncollectible accounts are recognized and recorded                  in                  accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | **X**                                                     |   |   |
| 1122(d)(4)(xv)                          | Any                  external enhancement or other support, identified in Item 1114(a)(1)                  through (3) or Item 1115 of Regulation AB, is maintained as set                  forth in                  the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | **X**                                                     |   |   |

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**Footnotes        to Exhibit A Servicing Criteria**