**Exhibit A**[JPMorganChase logo] Management's Report on Assessment of Compliance with Applicable Servicing Criteria  J.P. Morgan Trust Company, National Association (the "Asserting Party") is responsible for assessing compliance as of September 30, 2006 and for the period from January 1, 2006 through September 30, 2006 (the "Reporting Period"), with the servicing criteria set forth in Title 17, Section 229.1122 (d) of the Code of Federal Regulations (the "CFR"), to the extent required by the related transaction agreements excluding the criteria set forth in 17 CFR 229.1122(d) (l)(i)-(iv), (2)(i)-(vii), (3)(i)-(iv), and (4)(iii)-(xv), which the Asserting Party has concluded are not applicable to the activities it performs with respect to the asset-backed securitization transactions covered by this report (such criteria, after giving effect to the exclusions identified above, the "Applicable Servicing Criteria"). This report covers the asset-backed securities transactions backed by residential mortgages and home equity loans, for which transactions the Asserting Party acts as Custodian, that were registered with the Securities and Exchange Commission pursuant to the Securities Act of 1933, as amended, where the related asset-backed securities were issued during the Reporting Period (the "Platform"), as listed in Appendix A.  The Asserting Party has (i) used the criteria set forth in 17 CFR 229.1122(d) to assess the compliance by the Asserting Party with the Applicable Servicing Criteria for the Reporting Period and (i) concluded that the Asserting Party has complied, in all material respects, with the Applicable Servicing Criteria as of September 30, 2006 and for the Reporting Period with respect to the Platform, taken as a whole  PricewaterhouseCoopers LLP, an independent registered public accounting firm, has issued an attestation report for the Platform, on our assessment of compliance with the Applicable Servicing Criteria as of September 30, 2006 and for the Reporting Period as set forth in this report. J.P. Morgan Trust Company, National Association, as Custodian  /s/ Kelly A. Mathieson Kelly A. Mathieson, Managing Director  Date: March 1, 2007  Appendix A  Centex Home Equity Loan Trust 2006-A  CS Mortgage Pass-Through Series Trust 2006-CF1 Trust  GSAMP Trust 2006-HE1  GSAMP Trust 2006-HE3  GSAMP Trust 2006-HE4  GSAMP Trust 2006-HE5 GSA MP Trust 2006-S3  Home Equity Asset Trust 2006-1  Home Equity Asset Trust 2006-3  Home Equity Asset Trust 2006-4  Home Equity Asset Trust 2006-5  Home Equity Asset Trust 2006-6  Home Equity Mortgage Trust Series 2006-1  Home Equity Mortgage Series 2006-2  J.P. Morgan Mortgage Acquisition Corp. 2006-ACC1  J.P. Morgan Mortgage Acquisition Corp. 2006-CW1  J.P. Morgan Mortgage Acquisition Corp. 2006-CW2  J.P. Morgan Mortgage Acquisition Corp. 2006-FRE1 J.P. Morgan Mortgage Acquisition Corp. 2006-FRE2  J.P. Morgan Mortgage Acquisition Corp. 2006-HE1 J.P. Morgan Mortgage Acquisition Corp. 2006-HE2  J.P. Morgan Mortgage Acquisition Corp. 2006-NC1 J.P. Morgan Mortgage Acquisition Corp. 2006-NC2  J.P. Morgan Mortgage Acquisition Corp. 2006-RM1 J.P. Morgan Mortgage Acquisition Corp. 2006-WC3  J.P. Morgan Mortgage Acquisition Corp. 2006-WF1 J.P Morgan Mortgage Acquisition Corp. 2006-WMC1 J.P Morgan Mortgage Acquisition Corp. 2006-WMC2  Morgan Stanley Mortgage Loan Trust 2006-11  Morgan Stanley Mortgage Loan Trust 2006-1AR  Morgan Stanley Mortgage Loan Trust 2006-2  Morgan Stanley Mortgage Loan Trust 2006-3AR  Morgan Stanley Mortgage Loan Trust 2006-5AR  Morgan Stanley Mortgage Loan Trust 2006-6AR  Morgan Stanley Mortgage Loan Trust 2006-7  Morgan Stanley Mortgage Loan Trust 2006-8AR  Morgan Stanley Mortgage Loan Trust 2006-9AR  Nationstar Home Equity Loan Trust 2006-B  Opteum Mortgage Acceptance CORP Trust 2006-1 Opteuni Mortgage Acceptance CORP Trust 2006-2  Origen Manufactured Housing Contract Trust Collateralized Notes/Series 2006-A **Exhibit B****LaSalle Bank N.A.**135 South LaSalle Street Suite 1625 Chicago, IL  60603 **********Global Securities and Trust  Services********Management's Assertion on Compliance with Item 1122 Criteria**LaSalle Bank National Association (the "Asserting Party") is responsible for assessing its compliance with the applicable servicing criteria set forth in Item 1122(d) of Regulation AB (17 C.F.R, 229.1122(d)) as indicated on Exhibit A annexed hereto entitled "1122 Servicing Criteria to be Addressed in Assessment of Compliance" (the "Servicing Criteria"). The Asserting Party has assessed the effectiveness of its compliance with the applicable Servicing Criteria as of December 31, 2006, and for the period of January 1, 2006 through December 31, 2006 (the "Reporting Period"). In making this assessment, the Asserting Party used the criteria set  forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of  Regulation AB. Based on such assessment, the Asserting Party believes that, as of December 31, 2006 and for the Reporting Period, it has complied in all material respects with the servicing criteria set forth in Item 1122(d) of Regulation AB for the servicing activities it performs in the asset-backed securities transactions detailed on Exhibit B. For servicing criteria 1122(d)(3)(i)(A) and (B), this assertion covers only the information on the  report to investors that is required by the respective transaction agreements. Ernst and Young, an independent registered public accounting firm, has issued an attestation report with respect to the Asserting Party's assessment of compliance with the Servicing Criteria as of December 31, 2006 and for the Reporting Period. The asset-backed securities transactions to which this assertion and the attestation report relate are listed on Exhibit B. LaSalle Bank National Association By: /s/  Barbara L. Marik Name: Barbara L. Marik  Title:   First Vice President Date:   February 28, 2007 **Exhibit A********1122 Servicing Criteria********to be addressed in an Assessment of Compliance****Reg AB****Reference****Servicing Criteria****Servicing Criteria****Applicable to LaSalle Bank****National Association****General Servicing Considerations**1122(d)(1)(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. X 1122(d)(1)(ii) If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities.  X 1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the Pool Assets are maintained.  1122(d)(1)(iv) A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements.  X **Cash Collection and Administration**1122(d)(2)(i) Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements.  X 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 over collateralization, 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 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 X 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 indenture trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by the related Servicer.  1122(d)(3)(ii) Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.  X 1122(d)(3)(iii) Disbursements made to an investor are posted within two business days to the related 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 pool assets is maintained as required by the transaction agreements or related pool asset documents.  X 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements  X 1122(d)(4)(iii) Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements.  X 1122(d)(4)(iv) Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the related Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents.  1122(d)(4)(v) The related Servicer's records regarding the pool assets agree with the related Servicer's records with respect to an obligor's unpaid principal balance.  1122(d)(4)(vi) Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents.  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.  1122(d)(4)(viii) Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment).  1122(d)(4)(ix) Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents.  1122(d)(4)(x) Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements.  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.  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 related Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission.  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.  1122(d)(4)(xiv) Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.  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 **EXHIBIT B****2006 Transactions************************Non-Specific Transactions****Nominal Trustee Transactions****Custodian Only Transactions****Paying Agent****Only****Transactions**ACE Series 2006-GP1 Bear Stearns Series 2006-PWR11     Basic Asset Backed 2006-1 Washington Mutual Series 2006-AR2 Banc of America Comm. Mtge Series 2006-2 Bear Stearns Series 2006-PWR12 Credit Suisse AB Series 2006-1 Washington Mutual Series 2006-AR6 Banc of America Comm. Mtge Series 2006-5 Bear Stearns Series 2006-PWR13 Credit Suisse AB Series 2006-2 Washington Mutual Series 2006-AR7 Bear Stearns Series 2006-AQ1 Bear Stearns Series 2006-PWR14 Credit Suisse AB Series 2006-3 Washington Mutual Series 2006-AR8 Bear Stearns Series 2006-EC1 Bear Stearns Series 2006-TOP22     Credit Suisse AB Series 2006-4 Washington Mutual Series 2006-AR9 Bear Stearns Series 2006-EC2 Bear Stearns Series 2006-TOP24 Credit Suisse ARMT Series 2006-1 Washington Mutual Series 2006-AR10 Bear Stearns Series 2006-HE1 GSAA Home Equity Trust 2006-14 Credit Suisse ARMT Series 2006-2 Washington Mutual Series 2006-AR11 Bear Stearns Series 2006-HE2 GSAMP Series 2006-HE3 Credit Suisse ARMT Series 2006-3 Washington Mutual Series 2006-AR12 Bear Stearns Series 2006-HE3 GSAMP Series 2006-HE4 Credit Suisse HEMT Series 2006-1 Washington Mutual Series 2006-AR13 Bear Stearns Series 2006-HE4 GSAMP Series 2006-HE5 Credit Suisse HEMT Series 2006-2 Washington Mutual Series 2006-AR14 Bear Stearns Series 2006-HE5 GSAMP Series 2006-HE6 Credit Suisse HEMT Series 2006-3 Washington Mutual Series 2006-AR15 Bear Stearns Series 2006-HE6 GSAMP Series 2006-HE7 Credit Suisse HEMT Series 2006-4 Washington Mutual Series 2006-AR16 Bear Stearns Series 2006-HE7 GSAMP Series 2006-HE8 Credit Suisse HEMT Series 2006-5 Washington Mutual Series 2006-AR17 Bear Stearns Series 2006-HE8 JP Morgan Series 2006-LDP9     Credit Suisse HEMT Series 2006-6 Washington Mutual Series 2006-AR18 Bear Stearns Series 2006-HE9 Morgan Stanley Series 2006-TOP21     Credit Suisse Series 2006-1 Washington Mutual Series 2006-AR19 Bear Stearns Series 2006-HE10 Morgan Stanley Series 2006-TOP23 Credit Suisse Series 2006-2 Washington Mutual Series 2006-HE1 Bear Stearns Series 2006-PC1 Morgan Stanley Capital I Series 2006-HQ10 Credit Suisse Series 2006-3 Washington Mutual Series 2006-HE2 Bear Stearns ABS Series 2006-1 Morgan Stanley Mtg Loan Trust Series 2006-16ARX     Credit Suisse Series 2006-4 Washington Mutual Series 2006-HE3 Bear Stearns Mortgage Funding Series 2006-SL1 Morgan Stanley Mtg Loan Trust Series 2006-1AR Credit Suisse Series 2006-5 Washington Mutual Series 2006-HE4 Bear Stearns Mortgage Funding Series 2006-SL2 Morgan Stanley Mtg Loan Trust Series 2006-3AR Credit Suisse Series 2006-6 Washington Mutual Series 2006-HE5 Bear Stearns Mortgage Funding Series 2006-SL3 Morgan Stanley Mtg Loan Trust Series 2006-5AR Credit Suisse Series 2006-7 Washington Mutual WMALT 2006-AR1 Bear Stearns Mortgage Funding Series 2006-SL4 Morgan Stanley Mtg Loan Trust Series 2006-6AR Credit Suisse Series 2006-8 Washington Mutual WMALT 2006-AR2 Bear Stearns Mortgage Funding Series 2006-SL5 Morgan Stanley Mtg Loan Trust Series 2006-8AR Credit Suisse Series 2006-9 Washington Mutual WMALT 2006-AR3 Bear Stearns Mortgage Funding Series 2006-SL6 Morgan Stanley Mtg Loan Trust Series 2006-9AR Credit Suisse HEAT Series 2006-1 Washington Mutual WMALT 2006-AR4 C-BASS Series 2006-CB7 Morgan Stanley Mtg Loan Trust Series 2006-2 Credit Suisse HEAT Series 2006-3 Washington Mutual WMALT 2006-AR5 C-BASS Series 2006-CB9 Morgan Stanley Mtg Loan Trust Series 2006-7 Credit Suisse HEAT Series 2006-4 Washington Mutual WMALT 2006-AR6 Citigroup Commercial Mortgage Trust Series 2006-C4 Morgan Stanley Mtg Loan Trust Series 2006-11 Credit Suisse HEAT Series 2006-5 Washington Mutual WMALT 2006-AR7 Citigroup Commercial Mortgage Trust Series 2006-C5 Morgan Stanley Mtg Loan Trust Series 2006-12XS Credit Suisse HEAT Series 2006-6 Washington Mutual WMALT 2006-AR8 CD 2006-CD3 Mortgage Trust Morgan Stanley Mtg Loan Trust Series 2006-13ARX Credit Suisse HEAT Series 2006-7 Washington Mutual WMALT 2006-AR9 COMM Series 2006-C8 Morgan Stanley Mtg Loan Trust Series 2006-15XS Credit Suisse HEAT Series 2006-8 Washington Mutual WMALT 2006-AR10 CSFB Commercial Mtg. Trust Series 2006-C4 Morgan Stanley Mtg Loan Trust Series 2006-17XS Lehman Mortgage Trust Series 2006-1 Washington Mutual WMALT 2006-1 First Franklin MLT Series 2006-FF18 Thornburg Mtg Securities Trust Series 2006-1     Lehman Mortgage Trust Series 2006-4 Washington Mutual WMALT 2006-2 Greenwich Capital Series 2006-GG7 Thornburg Mtg Securities Trust Series 2006-2 Lehman Mortgage Trust Series 2006-5 Washington Mutual WMALT 2006-3 GE Capital Comm Mtg. Corp. Series 2006-C1 Thornburg Mtg Securities Trust Series 2006-3 Lehman Mortgage Trust Series 2006-6 Washington Mutual WMALT 2006-4 JP Morgan Series 2006-CIBC14 Thornburg Mtg Securities Trust Series 2006-4 Lehman Mortgage Trust Series 2006-7 Washington Mutual WMALT 2006-5 JP Morgan Series 2006-CIBC15 Thornburg Mtg Securities Trust Series 2006-5 Lehman Mortgage Trust Series 2006-8 Washington Mutual WMALT 2006-6 JP Morgan Series 2006-CIBC17 Thornburg Mtg Securities Trust Series 2006-6 Lehman Mortgage Trust Series 2006-9 Washington Mutual WMALT 2006-7 JP Morgan Series 2006-LDP7 ZUNI Trust Series 2006-OA1 Lehman XS Trust Series 2006-1 Washington Mutual WMALT 2006-8 JP Morgan Series 2006-LDP8 Lehman XS Trust Series 2006-3 Washington Mutual WMALT 2006-9 **Non-Specific Transactions****Nominal Trustee Transactions****Custodian Only Transactions****Paying Agent****Only****Transactions**Lehman XS Trust Series 2006-8 Lehman XS Trust Series 2006-5 Lehman XS Trust Series 2006-11 Lehman XS Trust Series 2006-7 Lehman XS Trust Series 2006-15 Lehman XS Trust Series 2006-9 Lehman XS Trust Series 2006-19 Lehman XS Trust Series 2006-10N Lehman XS Trust Series 2006-20 Lehman XS Trust Series 2006-12 Lehman Mortgage Trust Series 2006-2 Lehman XS Trust Series 2006-13 LB-UBS Comm. Mtge. Trust Series 2006-C1 Lehman XS Trust Series 2006-17 LB-UBS Comm. Mtge. Trust Series 2006-C3 Morgan Stanley Series 2006-HE1 LB-UBS Comm. Mtge. Trust Series 2006-C4 Morgan Stanley Series 2006-HE2 LB-UBS Comm. Mtge. Trust Series 2006-C6 Morgan Stanley Series 2006-HE3 LB-UBS Comm. Mtge. Trust Series 2006-C7 Morgan Stanley Series 2006-HE4 Merrill Lynch Series 2006-MLN1 Morgan Stanley Series 2006-HE5 Merrill Lynch Series 2006-OPT1 Morgan Stanley Series 2006-HE6 Merrill Lynch Series 2006-WMC2 Morgan Stanley Series 2006-HE7 Merrill Lynch Series 2006-FF1 Morgan Stanley Series 2006-HE8 Merrill Lynch Countrywide Series 2006-1   Morgan Stanley HEL Series 2006-1 Merrill Lynch Countrywide Series 2006-2 NYMC Series 2006 Merrill Lynch Countrywide Series 2006-3 SAIL 2006-1 Merrill Lynch Countrywide Series 2006-4 SAIL 2006-2 Merrill Lynch Series 2006-AHL1 SAIL 2006-3 Merrill Lynch Series 2006-AR1 SAIL 2006-4 Merrill Lynch Series 2006-FM1 SARM 2006-1 Merrill Lynch Series 2006-HE2 SARM 2006-2 Merrill Lynch Series 2006-HE3 SARM 2006-3 Merrill Lynch Series 2006-HE4 SARM 2006-4 Merrill Lynch Series 2006-HE5 SARM 2006-5 Merrill Lynch Series 2006-HE6 SARM 2006-6 Merrill Lynch Series 2006-RM1 SARM 2006-7 Merrill Lynch Series 2006-RM2 SARM 2006-8 Merrill Lynch Series 2006-RM3 SARM 2006-9 Merrill Lynch Series 2006-RM4 SARM 2006-10 Merrill Lynch Series 2006-RM5 SARM 2006-11 Merrill Lynch Series 2006-SD1 SARM 2006-12 Merrill Lynch Series 2006-SL1 SASCO 2006-BC1 Merrill Lynch Series 2006-SL2 SASCO 2006-BC2 Merrill Lynch Series 2006-C1 SASCO 2006-BC3 Merrill Lynch Series 2006-C2 SASCO 2006-BC4 Morgan Stanley Capital I Series 2006-HQ8 SASCO 2006-BC5 Morgan Stanley Capital I Series 2006-HQ9 SASCO 2006-BC6 Morgan Stanley Capital I Series 2006-IQ11 SASCO 2006-S1 Morgan Stanley Capital I Series 2006-IQ12 SASCO 2006-S2 Morgan Stanley Mtg Loan Trust Series 2006-4SL SASCO 2006-S3 Morgan Stanley Mtg Loan Trust Series 2006-10SL SASCO 2006-S4 Morgan Stanley Mtg Loan Trust Series 2006-14SL Sequoia Alternative Loan Trust Series 2006-1 OWNIT Mortgage Loan Trust Series 2006-3 OWNIT Mortgage Loan Trust Series 2006-4 **Non-Specific Transactions****Nominal Trustee Transactions****Custodian Only Transactions****Paying Agent****Only****Transactions**OWNIT Mortgage Loan Trust Series 2006-5 OWNIT Mortgage Loan Trust Series 2006-6 OWNIT Mortgage Loan Trust Series 2006-7 SACO I Trust Series 2006-1 SACO I Trust Series 2006-2 SACO I Trust Series 2006-3 SACO I Trust Series 2006-4 SACO I Trust Series 2006-5 SACO I Trust Series 2006-6 SACO I Trust Series 2006-7 SACO I Trust Series 2006-8 SACO I Trust Series 2006-9 SACO I Trust Series 2006-10 SACO I Trust Series 2006-12 SATURNS Series 2006-1 SATURNS Series 2006-2 TILES Series 2006-1 Wachovia Bank CMT Series 2006-C24 ******Exhibit C**          Management's Assertion of Compliance Management of Select Portfolio Servicing, Inc., (the "Company") is responsible for assessing compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB of the Securities and Exchange Commission. Management has determined that the servicing criteria are applicable in regards to the servicing platform for the period as follows: Platform Publicly-issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities (the "Platform"). Applicable Servicing Criteria: All servicing criteria set forth in 1122(d), to the extent required by the related transaction agreements, or required by the Item 1122(d) servicing criteria in regards to the activities performed by the Company, except for the following criteria: 1122(d)(1)(iii), 1122(d)(3)(i), 1122(d)(3)(ii), 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iii) and 1122(d)(4)(xv), which management has determined are not applicable to the activities the Company performs with respect to the Platform (the "Applicable Servicing Criteria"). Period:  Twelve months ended, December 31, 2006 (the "Period"). Third parties classified as vendors: With respect to servicing criteria 1 122(d)(2)(vii), 1 122(d)(4)(ix), 1122 (d)(4)(x), 1122(d) (4)(xi), 1 122(d)(4)(xii) and 1 122(d)(4)(xiii), management has engaged various vendors to perform the activities required by these servicing criteria. The Company's management has determined that these vendors are not considered a "servicer" as defined in Item 1101(j) of Regulation AB, and the Company's management has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available Telephone Interpretations ("Interpretation 17.06"). As permitted by Interpretation 17.06, management has asserted that it has policies and procedures in place to provide reasonable assurance that the vendor's activities comply in all material respects with the servicing criteria applicable to each vendor. The Company's management is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendors and related criteria. With respect to the Platform, the Company's management provides the following assessment of compliance with respect to the Applicable Servicing Criteria: 1  The Company's management is responsible for assessing the Company's compliance with the Applicable Servicing Criteria as of and for the Period. 2  The Company's management has assessed compliance with the Applicable Servicing Criteria, including servicing criteria for which compliance is determined based on Interpretation 17.06 as described above, as of arid for the Period. In performing this assessment, management used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB. 3  Based on such assessment, as of and for the Period, the Company has complied, in all material respects, with the Applicable Servicing Criteria. KPMG LLP, a registered public accounting firm, has issued an attestation report with respect to management's assertion of compliance with the Applicable Servicing Criteria as of and for the Period. /s/ Matthew L. Hollingsworth Matthew L. Hollingsworth                                                                  Chief Executive Officer February 27, 2007 **Exhibit D****ASSERTION OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA**********The Bank of New York and The Bank of New York Trust Company, N. A.(collectively, the "Company") provides this platform-level assessment of compliance with the servicing criteria specified in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. Management has determined that the following servicing criteria are applicable in regards to the following servicing platform for the following period: Platform: Publicly-issued (i.e., transaction-level reporting initially required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities and other mortgage-related asset-backed securities issued on or after January 1, 2006 (and like-kind transactions issued prior to January 1, 2006) for which the Company provides trustee, securities administration, paying agent or custodial services. The platform includes like kind transactions for which the Company provided trustee, securities administrator, paying agent or custodial services as a result of the Company's acquisition as of October 1, 2006 of portions of JPMorgan Chase Bank, N.A.'s corporate trust business, including structured finance agency and trust transactions. Applicable Servicing Criteria : All servicing criteria set forth in Item 1122(d), to the extent required by the related transaction agreements as to any transaction, except for the following criteria: 1122 (d) (1)(ii), (iii), (iv), (4) (iv), (v), (vi), (vii), (viii), (ix), (x), (xi), (xii) and (xiii). Period: Twelve months ended December 31, 2006. With respect to the Platform and the Period, the Company provides the following assessment of compliance in respect of the Applicable Servicing Criteria:  The Company is responsible for assessing its compliance with the Applicable Servicing Criteria.  The Company has assessed compliance with the Applicable Servicing Criteria.  As of December 31, 2006 and for the Period, the Company was in material compliance with the Applicable Servicing Criteria. Ernst & Young LLP, an independent registered public accounting firm, has issued an attestation report with respect to the Company's foregoing assessment of compliance.          The Bank of New York      The Bank of New York          The Bank of New York Trust        The Bank of New York Trust Company, N.A.           Company, N.A.         /s/: Robert L. Griffin     /s/: Patrick J. Tadie         Robert L. Griffin  Patrick J. Tadie         Authorized Signer    Authorized Signer March 1, 2007 **Exhibit E**Management's Assertion Report on Compliance with Applicable Servicing Criteria Pursuant to Item 1122 of Regulation AB under the Securities Exchange Act of 1934 U.S. Bank National Association ("U.S. Bank") as a party participating in the servicing function for the following transactions: U.S. Bank Corporate Trust Asset Backed Securities Platform(1) hereby provides the following report on its assessment of compliance with the servicing criteria set forth in Item 1122 of Regulation AB applicable to it and as described on Exhibit A hereto: 1.  U.S. Bank is responsible for assessing its compliance with the servicing criteria applicable to it as noted on the accompanying Exhibit A; 2.  U.S. Bank used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess its compliance with the applicable servicing criteria ; 3.  U.S. Bank's assessment of its compliance with the applicable servicing criteria is as of and for the period beginning on January 1, 2006 and ending December 31, 2006, the end of the fiscal year covered by the Form 10-K report. U.S. Bank's participation in the servicing function comp lied in all material respects with the applicable servicing criteria . 4.  Ernst & Young, a registered public accounting firm, has issued an attestation report on U.S. Bank's assessment of compliance with the applicable servicing criteria as of and for the period beginning on January 1, 2006 and ending December 31, 2006, the end of the fiscal year covered by the Form 10-K report. U.S. BANK NATIONAL ASSOCIATION /s/ Bryan R. Calder Name: Bryan R. Calder Title: Executive Vice President Date: February 26, 2007 1 The U.S. Bank Corporate Trust ABS Platform (the "Platform") consists of the activities involved in the performance of servicing functions for (i) publicly issued asset-backed and mortgage-backed transactions the securities of which were offered on or after January 1, 2006 and (ii) certain asset-backed transactions offered prior to January 1, 2006 for which the Issuer has voluntarily elected to make Regulation AB compliant filings under the Securities Exchange Act of 1934, as amended. The Platform does not include transactions comprised of the repackaging of corporate debt and/or other agency securities. **********EXHIBIT A to Management's Assertion****Reg AB****Servicing Criteria****Reference General Servicing Considerations**1122(d)(1)(i) Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements. 1122(d)(1)(ii) If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party's performance and compliance with such servicing activities. 1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the Pool Assets are maintained. Not Applicable 1122(d)(1)(iv) A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements. **Cash Collection and Administration**1122(d)(2)(i) Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements. 1122(d)(2)(ii) Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel. 1122(d)(2)(iii) Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements. 1122(d)(2)(iv) The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of over collateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements. 1122(d)(2)(v) Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, "federally insured depository institution" with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access. 1122(d)(2)(vii)  Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements. **Investor Remittances and Reporting**1122(d)(3)(i) Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors' or the trustee's records as to the total unpaid principal balance and number of Pool Assets serviced by the Servicer. 1122(d)(3)(ii) Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements. 1122(d)(3)(iii) Disbursements made to an investor are posted within two business days to the Servicer's investor records, or such other number of days specified in the transaction agreements. 1122(d)(3)(iv) Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements. **Pool Asset Administration**1122(d)(4)(i) Collateral or security on pool assets is maintained as required by the transaction agreements or related pool asset documents. Not Applicable 1122(d)(4)(ii) Pool assets and related documents are safeguarded as required by the transaction agreements Not Applicable 1122(d)(4)(iii) Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements. 1122(d)(4)(iv) Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer's obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents. Not Applicable 1122(d)(4)(v) The Servicer's records regarding the pool assets agree with the Servicer's records with respect to an obligor's unpaid principal balance. Not Applicable 1122(d)(4)(vi) Changes with respect to the terms or status of an obligor's pool assets (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents. Not Applicable 1122(d)(4)(vii)  Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. Not Applicable 1122(d)(4)(viii)  Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity's activities in monitoring delinquent pool assets  including, for example, phone calls, letters and payment rescheduling plans in cases  where delinquency is deemed temporary (e.g., illness or unemployment). Not Applicable 1122(d)(4)(ix) Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related pool asset documents. Not Applicable 1122(d)(4)(x) Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor's pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool assets, or such other number of days specified in the transaction agreements. Not Applicable 1122(d)(4)(xi) Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements. Not Applicable 1122(d)(4)(xii)  Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer's funds and not charged to the obligor, unless the late payment was due to the obligor's error or omission. Not Applicable 1122(d)(4)(xiii)  Disbursements made on behalf of an obligor are posted within two business days to the obligor's records maintained by the servicer, or such other number of days specified in the transaction agreements. Not Applicable 1122(d)(4)(xiv)  Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements. Not Applicable 1122(d)(4)(xv)  Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements. **Exhibit F**[WELLS FARGO logo] Wells Fargo Bank, N.A.  Document Custody  1015 10th Avenue SE  Minneapolis, MN 55414  Appendix I  ASSESSMENT OF COMPLIANCE WITH APPLICABLE SERVICING CRITERIA Corporate Trust Services division of Wells Fargo Bank, National Association (the "Company") is responsible for assessing compliance with the servicing criteria set forth in Item 1122(d) of Regulation AB promulgated by the Securities and Exchange Commission. The Company has determined that the servicing criteria are applicable in regard to the servicing-platform for the period as follows:  Platform: Publicly-issued (i.e., transaction-level reporting required under the Securities Exchange Act of 1934, as amended) residential mortgage-backed securities and commercial mortgage-backed securities issued on or after January 1, 2006, for which the Company provides document custody services, excluding any publicly issued transactions issued by any government sponsored entity (the "Platform").  Applicable Servicing Criteria: The servicing criteria set forth in Item 1122(d)(4)(i) and 1122(d)(4)(ii), in regard to the activities performed by the Company with respect to the Platform (the "Applicable Servicing Criteria"). The Company has determined that all other servicing criteria set forth in Item 1122(d) are not applicable to the Platform.  Period: Twelve months ended December 31, 2006 (the "Period").  With respect to the Platform, the Company provides the following assessment of compliance with respect to the Applicable Servicing Criteria:  1. The Company is responsible for assessing the Company's compliance with the Applicable Serv icing Criteria as of and for the Period.  2. The Company has assessed compliance with the Applicable Servicing Criteria. In performing this assessment, the Company used the criteria set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB.  3. Based on such assessment, as of and for the Period, the Company has complied, in all material respects with the Applicable Servicing Criteria.  KPMG LLP, a registered public accounting firm, has issued an attestation report with respect to the Company's assessment of compliance as of and for the Period.  WELLS FARGO BANK, NATIONAL ASSOCIATION  /s/: Shari L. Gillund  Its: Senior Vice President  Dated:: March 1, 2007 **Exhibit G****Wells Fargo Bank, N.A.********2006 Certification Regarding Compliance with Applicable Servicing Criteria******1. Wells Fargo Bank, N.A. (the "Servicer") is responsible for assessing its 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 primary servicing of residential mortgage loans by its Wells Fargo Home Mortgage division,  other than the servicing of such loans for Freddie Mac, Fannie Mae, Ginnie Mae,  state and local government bond programs,  or a Federal Home Loan Bank (the servicing "Platform"); 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, and the Servicer  has elected to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to such Vendors as set forth in Exhibit A hereto, with the exception of those Vendors that have provided their own report on assessment of compliance with servicing criteria, which reports are attached hereto as Exhibit D;  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; 4. The criteria identified as Inapplicable Servicing Criteria on Exhibit A hereto are inapplicable to the Servicer based on the activities it performs with respect to its Platform; 5. The Servicer has complied, in all material respects, with the applicable servicing criteria as of and for the year ended December 31, 2006, except as described on Exhibit B hereto; 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; 7. The Servicer has not identified any material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria for the year ended December 31, 2006;****and 8. KPMG LLP, a registered public accounting firm, has issued an attestation report on the Servicer's assessment of compliance with the applicable servicing criteria as of and for the year ended December 31, 2006, which attestation report is included on Exhibit C attached hereto. March 1, 2007 WELLS FARGO BANK, N.A. By: /s/: Mary C. Coffin Mary C. Coffin Executive Vice President**EXHIBIT A****to****Wells Fargo Bank, N.A.'s****2006 Certification Regarding Compliance With Applicable Servicing Criteria****Servicing Criteria****Applicable Servicing****Criteria****Inapplicable****Servicing****Criteria****Reference****Criteria****Performed****by****Servicer****Performed****by****Vendor(s)********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.  X1122(d)(1)(iii) Any requirements in the transaction agreements to maintain a back-up servicer for the mortgage loans are maintained.  X1122(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.  X1X21122(d)(2)(ii) Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.  X1122(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.  X1122(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.  X1122(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.  X1 A portion of this servicing criteria is performed by a vendor, as set forth in footnote 2 below. 2 A lockbox vendor receives payments, creates transaction files, deposit s checks, reconciles files to deposits and transmits the transaction files to Wells Fargo. See Exhibit D. 1122(d)(2)(vi) Unissued checks are safeguarded so as to prevent unauthorized access.  X3X43 A portion of this servicing criteria is performed by vendors, as set forth in footnote 4 below. 4 Insurance vendors prepare and safeguard checks on behalf of Wells Fargo. As to one such vendor, see Exhibit D. **Servicing Criteria****Applicable Servicing****Criteria****Inapplica****ble****Servicing****Criteria****Reference****Criteria****Performe****d by****Servicer****Performed****by****Vendor(s)**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.  X1122(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.  X1122(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.  X1122(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.  X1122(d)(4)(ii) Mortgage loan and related documents are safeguarded as required by the transaction agreements. X1122(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.  X1122(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.  X5X65 A portion of this servicing criteria is performed by a vendor, as set forth in footnote 6 below. 6 A lockbox vendor receives payments, creates transaction files, deposit s checks, reconciles files to deposits and transmits the transaction files to Wells Fargo. See Exhibit D.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.  X1122(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**Servicing Criteria****Applicable Servicing****Criteria****Inapplica****ble****Servicing****Criteria****Reference****Criteria****Performe****d by****Servicer****Performed****by****Vendor(s)**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.  X1122(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).  X1122(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.  X1122(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.  X1122(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.  X7X81122(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.  X1122(d)(4)(xiii) Disbursements made on behalf of an obligor are posted within two business days to the obligor's records X9X107 A portion of this servicing criteria is performed by vendors, as set forth in footnote 8 below. 8 Insurance vendors obtain renewal invoices, create disbursement transactions and submit payments to p ayees. As to one such vendor, see Exhibit D. 9 A portion of this servicing criteria is performed by one or more vendors, as set forth in footnote 10 below. 10 Insurance vendors obtain renewal invoices, create disbursement transactions and submit payments to payees. As to one such vendor, see Exhibit D. maintained by the servicer, or such other number of days specified in the transaction agreements.  1122(d)(4)(xiv)  Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.  X1122(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******EXHIBIT B****to****Wells Fargo Bank, N.A.'s****2006 Certification Regarding Compliance With Applicable Servicing Criteria**Wells Fargo Bank, N.A. ("Wells Fargo") acknowledges the following material instances of non-compliance with the applicable servicing criteria: 1.1122(d)(3)(i) - Delinquency Reporting  For certain loans sub-serviced by Wells Fargo or for which servicing rights were acquired on a bulk-acquisition basis, Wells Fargo determined that it provided  incomplete data to some third parties who use such data to calculate delinquency ratios and determine the status of loans with respect to  bankruptcy, foreclosure or real estate owned.****The incomplete reporting only affected securitizations that included delinquent loans.  Instead of the actual due date being  provided for use in calculating delinquencies, the date of the first payment due to  the security was  provided.  Wells Fargo  subsequently included additional data in the monthly  remittance  reports, providing the actual borrower due date and unpaid principal balance, together with instructions to use these new fields if  such  monthly remittance reports are used to calculate delinquency ratios. 2.1122(d)(4)(vii) - Notification of Intent to Foreclose  Wells Fargo determined that, as required by certain servicing agreements, it did not provide investors with prior notification of intent to foreclose.  While investors received monthly delinquency status reports that listed loans in foreclosure, such reports were received after  such  loans had been referred to an attorney.  A new process is being implemented to send such notifications if contractually required, unless an investor opts out in writing.