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

**Management      Assessment of Compliance with Applicable Servicing      Criteria**

| 1.   | CitiMortgage,                Inc (the “Servicer”) is responsible for assessing compliance with the                servicing criteria applicable to it under paragraph (d) of Item 1122                of                Regulation AB, as set forth in Exhibit A hereto, in connection with                the                servicing of 1) first lien residential mortgage loans (other than                (a)                Freddie Mac, Fannie Mae, Ginnie Mae residential mortgage loan                securitizations, (b) special bond programs and (c) loans held for                its own                portfolio) and 2) student loans issued subsequent to January 1, 2006,                for                which the Servicer performs a particular servicing function pursuant                to a                servicing agreement with a third party, utilizing the Citilink system                (the                “Platform”) as of and for the year ended December 31,                2006; |
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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**   |
|---------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------|
| **Reference**                                           | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | **Performed****Directly****by                  Servicer****2** | **Performed                  by Vendor(s) for****which                  Servicer****is                  Responsible****Party****3** |   |
| **General                  Servicing Considerations**   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| 1122(d)(l)(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)(l)(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)(l)(iii)                                         | Any                  requirements in the transaction agreements to maintain a back-up                  servicer for the mortgage loans are maintained.                                                                                                                                                                                                                                                                                                                                                 |                                                           |   | X |
| 1122(d)(l)(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.                                                                                                                                                                                   | Xi                                                             | Xii |   |
| 1122(d)(2)(ii)                                          | Disbursements                  made via wire transfer on behalf of an obligor or to an investor                  are made only by authorized personnel.                                                                                                                                                                                                                                                                                                                                                | xiii                                                           | Xiv |   |
| 1122(d)(2)(iii)                                         | Advances                  of funds or guarantees regarding collections, cash flows or distributions,                  and any interest or other fees charged for such advances, are made,                  reviewed and approved as specified in the transaction                  agreements.                                                                                                                                                                                                          | X                                                              |   |   |
| 1122(d)(2)(iv)                                          | The                  related accounts for the transaction, such as cash reserve accounts                  or                  accounts established as a form of overcollateralization, are                  separately maintained (e.g., with respect to commingling of cash)                  as                  set forth in the transaction agreements.                                                                                                                                            |                                                           |   | X |
| 1122(d)(2)(v)                                           | Each                  custodial account is maintained at a federally insured depository                  institution as set forth in the transaction agreements. For purposes                  of                  this criterion, "federally insured depository institution" with                  respect to a foreign financial institution means a foreign financial                  institution that meets the requirements of Rule 13k-l(b)(l) of                  the Securities Exchange Act. | X                                                              |   |   |

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| **SERVICING                CRITERIA**        | **APPLICABLE****SERVICING                CRITERIA**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | **INAPPLICABLE                SERVICING****CRITERIA****1**   |
|----------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------|
| **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 afterthe                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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Xv                                                           | Xvi |   |
| 1122(d)(4)(ii)                               | Mortgage                loan and related documents are safeguarded as required by the                transaction agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |                                                         | Xvii |   |
| 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.                                                                                                                                                                                                                                                                                                                                                          | Xviii                                                        | Xix |   |
| 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**   |
|---------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------|
| **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. |  Xx                                                     | Xxi |   |
| 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.                                                                                                                                                                                                                                                       |                 Xxii                               |  Xxiii |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Xxiv                                                         | Xxv |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Xxvi                                                         | Xxvii |   |
| 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 Iten 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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