----

|                                                  | **Wells                Fargo Home Mortgage** |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------|
| One                Home Campus                                                                                                                                                                                                                                                                   |
| Des                Moines, IA 50328-0001                                                                                                                                                                                                                                                         |
|                                                                                                                                                                                                                                                                                             |
| YourWellsFargoMortgage.com                                                                                                                                                                                                                                                                       |
|                                                                                                                                                                                                                                                                                             |

**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 December31, 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. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | WELLS                FARGO BANK, N.A.   |
|--------|-----------------------------------------|
|   |                                    |
|   | By:/s/                Mary C. Coffin    |
|   | Mary                C. Coffin           |
|   | Executive                Vice President |

|    |    |   |  Wells                    Fargo Home Mortgage                                               |
|--------------|--------------|--------|--------------------------------------------------------------------------------------------------|
|    |         |   | is                    a                    division of Wells Fargo Bank,                    N.A. |

----

**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.                                                                                                                                                                                                                                                                                 | X                                         |   |   |
| 1122(d)(1)(iii)                           | Any                    requirements in the transaction agreements to maintain a back-up                    servicer                    for the mortgage loans are maintained.                                                                                                                                                                                                                                                                                                                                                                       |                                      |   | X |
|  1122(d)(1)(iv)                      | A                    fidelity bond and errors and omissions policy is in effect on                    the party                    participating in the servicing function throughout the reporting                    period in                    the amount of coverage required by and otherwise in accordance                    with the                    terms of the transaction agreements.                                                                                                                                              | X                                         |   |   |
|                                      | **Cash                    Collection and Administration**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                      |   |   |
|  1122(d)(2)(i)                       | Payments                    on mortgage loans are deposited into the appropriate custodial                    bank                    accounts and related bank clearing accounts no more than two                    business days                    following receipt, or such other number of days specified in                    the                    transaction agreements.                                                                                                                                                               | X1                                        | X2 |   |
| 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.                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X3                                        | X4 |   |

----

| **Servicing                    Criteria** | **Applicable                    Servicing****Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | **Inapplicable****Servicing****Criteria** |
|-------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                             | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | **Performed****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.                                                                                                           | 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                    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 mortgage loans is maintained as required by the                    transaction                    agreements or related mortgage loans documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | X                                         |   |   |
| 1122(d)(4)(ii)                            | Mortgage                    loans and related documents are safeguarded as required by the                    transaction                    agreements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | X                                         |   |   |
| 1122(d)(4)(iii)                           | Any                    additions, removals or substitutions to the asset pool are made,                    reviewed                    and approved in accordance with any conditions or requirements                    in the                    transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | X                                         |   |   |
|   1122(d)(4)(iv)                | Payments                    on mortgage loans, including any payoffs, made in accordance                    with the                    related mortgage loans 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 mortgage loans documents.                                                                                                                                                                                                                                                                                                                                                                                                                                           | X5                                        | X6 |   |
| 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                                         |   |   |
|  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 mortgage loans documents.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | X                                         |   |   |

----

| **Servicing                    Criteria** | **Applicable                    Servicing****Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | **Inapplicable****Servicing****Criteria** |
|-------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|
| **Reference**                             | **Criteria**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | **Performed****by****Servicer**           | **Performed****by****Vendor(s)** |   |
|  1122(d)(4)(vii)                     | Loss                    mitigation or recovery actions (e.g., foreclosure 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                    documents.                                                                                                                                                                                                                                                                                                                                                                                                               | X                                         |   |   |
|   1122(d)(4)(viii)              | Records                    documenting collection efforts are maintained during the period                    a mortgage                    loans 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 loans 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 loans                    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                    loans                    documents and state laws; and (C) such funds are returned to                    the obligor                    within 30 calendar days of full repayment of the related mortgage                    loans,                    or such other number of days specified in the transaction agreements. | X                                         |   |   |
|   1122(d)(4)(xi)                | Payments                    made on behalf of an obligor (such as tax or insurance payments)                    are made                    on or before the related penalty or expiration dates, as indicated                    on the                    appropriate bills or notices for such payments, provided that                    such support                    has been received by the servicer at least 30 calendar days prior                    to these                    dates, or such other number of days specified in the transaction                    agreements.                                                                                                                                                                                                                                                                                    | X7                                        | X8 |   |
| 1122(d)(4)(xii)                           | Any                    late payment penalties in connection with any payment to be made                    on behalf                    of an obligor are paid from the Servicer’s funds and not charged to the                    obligor, unless the late payment was due to the obligor’s error or                    omission.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | X                                         |   |   |
|  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.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | X9                                        | X10 |   |
| 1122(d)(4)(xiv)                           | Delinquencies,                    charge-offs and uncollectible accounts are recognized and recorded                    in                    accordance with the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | X                                         |   |   |
| 1122(d)(4)(xv)                            | Any                    external enhancement or other support, identified in Item 1114(a)(1)                    through (3) or Item 1115 of Regulation AB, is maintained as set                    forth in                    the transaction agreements.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |                                      |   | X |

----

**EXHIBIT              B**

**to**

**Wells              Fargo Bank, N.A.'s**

**2006              Certification Regarding Compliance With 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 remittances 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. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

**EXHIBIT              C**

**to**

**Wells              Fargo Bank, N.A.'s**

**2006              Certification Regarding Compliance With Applicable Servicing              Criteria**

|                                   | **KPMG                        LLP** |   |   |
|---------------------------------------------|-------------------------------------|--------|--------|
| 2500                        Ruan Center     |                                |   |
| 666                        Grand Avenue     |                                |   |
| Des                        Moines, IA 50309 |                                |   |

**Report            of Independent Registered Public Accounting Firm**

| 1.   | 1122(d)(3)(i)                      - Delinquency Reporting                      -                      The Company 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.                      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. |
|----------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.   | 1122(d)(4)(vii)                      - Notification of Intent to Foreclose - The Company, as required by                      certain servicing agreements, did not provide investors with                      prior                      notification of intent to foreclose. |
|----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

----

**EXHIBIT          D**

**to          Wells Fargo Bank, N.A.'s**

**2006          Certification Regarding Compliance With Applicable Servicing          Criteria**

----

----

**Report              on              Assessment of Compliance with Regulation AB Servicing Criteria**

| 1.   | Pursuant                      to Subpart 229.1100 - Asset Backed Securities, 17 C.F.R.                      §§229.1100-229.1123 ("Regulation                      AB").                      Regulus Group LLC, for itself and its wholly-owned subsidiaries                      (individually and collectively "Regulus"),                      is responsible for assessing its compliance with the servicing                      criteria                      applicable to the remittance processing services it provides                      to customers                      who are issuers or servicers of asset backed securities transactions                      and                      who have requested confirmation of Regulus' compliance in connection                      with                      loan and/or receivables portfolios that include pool assets for                      asset                      backed securities transactions (the "Platform").                      Remittance processing is a service whereby check payments that                      are                      remitted by mail to a post office box are collected, processed                      through a                      highly                      automated data capture system, and prepared for deposit to                      a bank account                      held by the beneficiary of the                      payment.  |
|----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 2.   | The                      servicing criteria set forth in Item 1122(d)of Regulation AB                      were used in                      Regulus' assessment of compliance. Regulus has concluded that                      the                      servicing criteria set forth in Items 1122(d)(2)(i) and 1122(d)(4)(iv)                      of                      Regulation AB are applicable to the servicing activities                      it performs with respect to the Platform (such criteria the                      "Applicable                      Servicing Criteria").                      Regulus has concluded that the remainder of the servicing criteria                      set                      forth in Item                      1122(d) of Regulation AB are inapplicable to the activities                      it performs                      with respect to                      the Platform because Regulus does not participate in the servicing                      activities referenced by                      such servicing                      criteria. |
|----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 3.   | As                      of and for the year ending December 31, 2006, Regulus has complied                      in all                      material respects with the Applicable Servicing Criteria set                      forth in Item                      1122(d) of Regulation AB. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 4.   | KPMG                      LLP, a registered public accounting firm, has issued an attestation                      report                      on Regulus'                      assessment of compliance with the Applicable Servicing Criteria                      as of and                      for the                      year ending December 31, 2006. A copy of that attestation report                      is                      attached hereto as                      Exhibit A. |
|----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   |  **KPMG                LLP**                |   |   |
|--------|--------------------------------------------------|--------|--------|
|   |  1601                Market Street          |   |   |
|   |  Philadelphia,                PA 19103-2499 |   |   |

|   | ZC                  Sterling Corporation    |
|--------|---------------------------------------------|
|   | 210                Interstate North Parkway |
|   | Suite                400                    |
|   | Atlanta,                GA 30339            |
|   |                                        |
|   | Tel                770.690.8400             |
|   | Fax                770.690.8240             |
|   | http://www.zcsterling.com                   |

**Report        on Assessment of Compliance with Securities and Exchange **

**Commission's        Regulation AB Servicing Criteria**

|  By:          |  /s/                Arthur J. Castner                       |
|--------------------|------------------------------------------------------------------|
|               |  Arthur                J. Castner                           |
|  Title:       |  Senior                Vice President - Hazard Operations   |
|  Date:        |  February                20, 2007                           |
|               |                                                             |
|   By:    |  /s/                James P. Novak                          |
|               |  James                P. Novak                              |
|   Title: |  Senior                Vice President & General Counsel |
|   Date:  |  February                20, 2007                           |

----

**A**
**ppendix          A**

|   |   |  Ernst                    & Young LLP       |  Phone:                    (404) 874-8300 |
|--------|--------|------------------------------------------------------|------------------------------------------------|
|   |   |  Suite                    2800                  |  www.ey.com                               |
|   |   |  600                    Peachtree Street        |                                           |
|   |   |  Atlanta,                    Georgia 30308-2215 |                                           |

**Report              of Independent Registered Public Accounting Firm**

----