10-D 1 final_2006-ar1.txt 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-D ASSET-BACKED ISSUER DISTRIBUTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the monthly distribution period from May 1, 2006 to May 31, 2006 Commission File Number of issuing entity: 333-127834-10 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2006-AR1 ------------------------------------------------------------------------ (Exact name of issuing entity as specified in its charter) Commission File Number of depositor: 333-127834 ---------------------- CITIGROUP MORTGAGE LOAN TRUST, INC. ------------------------------------------------------------------------- (Exact name of depositor as specified in its charter) CSE MORTGAGE LLC ------------------------------------------------------------------------- (Exact name of sponsor as specified in its charter) Delaware ----------------------------------------------------------------------------- (State or other jurisdiction of incorporation or organization of the issuing entity) 11-2418191 ---------------------------------------------------------------------------- (I.R.S. Employer Identification No.) 390 Greenwich Street, New York, NY 10013 ---------------------------------------- ---------- (Address of principal executive offices of the issuing entity) (Zip Code) (212) 816-6000 ------------------------------------------------------------------------- (Telephone number, including area code) -------------------------------------------------------------------------- (Former name, former address, if changed since last report.) Registered/reporting pursuant to (check one) Title Name of exchange of Class Section 12(b) Section 12(g) Section 15(d) (if Section 12(b)) Class I-A1 { } { } {X} _____________ Class I-A2 { } { } {X} _____________ Class II-A1 { } { } {X} _____________ Class II-A2 { } { } {X} _____________ Class III-A1 { } { } {X} _____________ Class III-A2 { } { } {X} _____________ Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes{X} No{ } 1 2 PART I Item 1. Distribution and Pool Performance Information See Exhibit 99.1 referred to in PART II, Item 9, Exhibits. PART II Item 9. Exhibits (a) Attached as Exhibit 99.1 is the monthly distribution report for the month of May 2006. 2 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. CITIGROUP MORTGAGE LOAN TRUST 2006-AR1 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: June 26, 2006 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Mortgage-Backed Notes Series Name: CMLTI 2006-AR1 Payment Date: 06/26/2006 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 31-May-06 Determination Date: See Foot Note Distribution Date: 26-Jun-06 Distribution #: 4 Trustee U.S. Bank National Association Clare M. O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Valentina Polonskaya (636) 261-1342 Paying Agent: Citibank N.A. Jennifer McCourt (212) 816-5680

--------------------------------------------------------------------------------------------------------------------------------- Next Accrual Accrual Current Succeeding Start End Class Coupon Type Coupon Coupon Date Date Original Par CUSIP # --------------------------------------------------------------------------------------------------------------------------------- I-A1 TREASURY 4.90000% 4.90000% 0305/01/2006 0305/31/2006 $630,533,000.00 17307G2Z0 I-A2 TREASURY 4.90000% 4.90000% 0305/01/2006 0305/31/2006 $27,414,000.00 17307G3A4 ** I-X Interest Only 0.~~08677~~08650% 0.~~08660~~08637% 0305/01/2006 0305/31/2006 $657,947,000.00 17307G3B2 II-A1 TREASURY 4.70000% 4.70000% 0305/01/2006 0305/31/2006 $159,385,000.00 17307G3C0 II-A2 TREASURY 4.70000% 4.70000% 0305/01/2006 0305/31/2006 $6,930,000.00 17307G3D8 ** II-X Interest Only 0.~~17461~~17438% 0.~~17436~~17409% 0305/01/2006 0305/31/2006 $166,315,000.00 17307G3E6 III-A1 TREASURY 5.50000% 5.50000% 0305/01/2006 0305/31/2006 $606,526,000.00 17307G3F3 III-A2 TREASURY 5.50000% 5.50000% 0305/01/2006 0305/31/2006 $31,095,000.00 17307G3G1 ** III-X Interest Only 0.~~19693~~19412% 0.~~19634~~19724% 0305/01/2006 0305/31/2006 $637,621,000.00 17307G3H9 ------------------- Class A Total $1,461,883,000.00 I-M Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $1,713,000.00 17307G3J5 I-B1 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $10,966,000.00 17307G3L0 I-B2 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $5,140,000.00 17307G3M8 I-B3 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $3,427,000.00 17307G3N6 I-B4 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $2,741,000.00 17307G3P1 I-B5 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $2,056,000.00 17307G3Q9 I-B6 Variable 4.~~98677~~98651% 4.~~98660~~98637% 0305/01/2006 0305/31/2006 $1,371,262.22 17307G3R7 ------------------- Class SUB-I Total $27,414,262.22 II-M Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $693,000.00 17307G3K2 II-B1 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $2,512,000.00 17307G3S5 II-B2 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $1,559,000.00 17307G3T3 II-B3 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $953,000.00 17307G3U0 II-B4 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $520,000.00 17307G3V8 II-B5 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $346,000.00 17307G3W6 II-B6 Variable 4.~~87461~~87438% 4.~~87436~~87409% 0305/01/2006 0305/31/2006 $346,851.74 17307G3X4 ------------------- Class SUB-II Total $6,929,851.74 III-B1 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $11,703,000.00 17307G3Y2 III-B2 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $7,356,000.00 17307G3Z9 III-B3 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $4,681,000.00 17307G4A3 III-B4 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $2,675,000.00 17307G4B1 III-B5 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $2,675,000.00 17307G4C9 III-B6 Variable 5.~~69693~~69412% 5.~~69634~~69724% 0305/01/2006 0305/31/2006 $2,005,502.31 17307G4D7 ------------------- Class SUB-III Total $31,095,502.31 =================== $1,527,322,616.27 ** Denotes Notional Balance The Determination Date of the individual servicers and sub-servicers is between the 10th and 18th of the month, adjusted for occurrences on a non-business date

6 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificate Holders Mortgage-Backed Notes Series Name: CMLTI 2006-AR1 Payment Date: 06/26/2006

----------------------------------------------------------------------------------------------------------------------------------- Non Supported Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- I-A1 $2,~~549~~495,~~822~~591.2069 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $2,~~549~~495,~~822~~591.2069 I-A2 $~~110~~108,~~859~~502.9009 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~110~~108,~~859~~502.9009 I-X $4745,~~113~~972.8382 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $4745,~~113~~972.8382 II-A1 $~~624~~621,~~109~~446.0553 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~624~~621,~~109~~446.0553 II-A2 $27,~~136~~020.0326 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $27,~~136~~020.0326 II-X $24,~~194~~059.4511 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $24,~~194~~059.4511 III-A1 $2,~~760~~697,~~326~~363.1087 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $2,~~760~~697,~~326~~363.1087 III-A2 $~~141~~138,~~514~~286.6978 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~141~~138,~~514~~286.6978 III-X $~~103~~100,~~902~~082.2555 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~103~~100,~~902~~082.2555 ---------------------------------------------------------------------------------------------------------------------- A Total $6,~~388~~258,~~978~~325.5070 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,~~388~~258,~~978~~325.5070 I-M $7,~~117~~113.0146 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $7,~~117~~113.0146 I-B1 $45,~~560~~537.5179 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $45,~~560~~537.5179 I-B2 $21,~~355~~344.1954 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $21,~~355~~344.1954 I-B3 $14,~~238~~231.1808 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $14,~~238~~231.1808 I-B4 $11,~~388~~382.0537 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $11,~~388~~382.0537 I-B5 $8,~~542~~537.0882 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $8,~~542~~537.0882 I-B6 $5,~~697~~694.1935 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $5,~~697~~694.1935 ---------------------------------------------------------------------------------------------------------------------- SUB-I Total $113,~~898~~841.2141 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $113,~~898~~841.2141 II-M $2,~~814~~813.5741 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $2,~~814~~813.5741 II-B1 $10,~~202~~198.3209 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10,~~202~~198.3209 II-B2 $6,~~331~~329.7815 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,~~331~~329.7815 II-B3 $3,~~870~~868.5594 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $3,~~870~~868.5594 II-B4 $2,111.9507 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $2,111.9507 II-B5 $1,~~405~~404.2667 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~405~~404.2667 II-B6 $1,408.7213 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,408.7213 ---------------------------------------------------------------------------------------------------------------------- SUB-II Total $28,~~145~~133.1546 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $28,~~145~~133.1546 III-B1 $55,~~554~~518.7107 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $55,~~554~~518.7107 III-B2 $34,~~919~~896.2926 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $34,~~919~~896.2926 III-B3 $22,~~220~~206.9328 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $22,~~220~~206.9328 III-B4 $12,~~698~~689.3598 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $12,~~698~~689.3598 III-B5 $12,~~698~~689.3598 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $12,~~698~~689.3598 III-B6 $9,~~520~~513.2294 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $9,~~520~~513.2294 ---------------------------------------------------------------------------------------------------------------------- SUB-III $147,~~611~~514.8551 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $147,~~611~~514.8551 Total ====================================================================================================================== Total $6,~~678~~547,~~633~~815.7108 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6,~~678~~547,~~633~~815.7108

------------------------------------------------------------------------------------------------------------------ Interest Cum Net WAC Cum Unpaid Paid Per Interest Interest CLASS Certificate Carryover Amount Shortfalls ------------------------------------------------------------------------------------------------------------------ I-A1 43.~~04391554~~95790813 $0.00 $0.00 I-A2 43.~~04391552~~95790800 $0.00 $0.00 I-X 0.~~07160733~~06987314 $0.00 $0.00 II-A1 3.~~91573266~~89902770 $0.00 $0.00 II-A2 3.~~91573304~~89902742 $0.00 $0.00 II-X 0.~~14547365~~14465989 $0.00 $0.00 III-A1 4.~~55104332~~44723535 $0.00 $0.00 III-A2 4.~~55104325~~44723525 $0.00 $0.00 III-X 0.~~16295299~~15696244 $0.00 $0.00 ------------------------------------------------------------------------------- A Total $0.00 $0.00 I-M 4.~~15470520~~15263281 $0.00 $0.00 I-B1 4.~~15470637~~15263451 $0.00 $0.00 I-B2 4.~~15470623~~15263424 $0.00 $0.00 I-B3 4.~~15470674~~15263496 $0.00 $0.00 I-B4 4.~~15470631~~15263408 $0.00 $0.00 I-B5 4.~~15470817~~15263619 $0.00 $0.00 I-B6 4.~~15470500~~15263391 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-I Total $0.00 $0.00 II-M 4.~~06142857~~05975469 $0.00 $0.00 II-B1 4.~~06143312~~05974920 $0.00 $0.00 II-B2 4.~~06143682~~05974984 $0.00 $0.00 II-B3 4.~~06143757~~05974816 $0.00 $0.00 II-B4 4.~~06144231~~05975000 $0.00 $0.00 II-B5 4.~~06144509~~05973988 $0.00 $0.00 II-B6 4.~~06144712~~05974610 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-II Total $0.00 $0.00 III-B1 4.~~74704862~~74391780 $0.00 $0.00 III-B2 4.~~74704867~~74391789 $0.00 $0.00 III-B3 4.~~74704764~~74391797 $0.00 $0.00 III-B4 4.~~74704673~~74391776 $0.00 $0.00 III-B5 4.~~74704673~~74391776 $0.00 $0.00 III-B6 4.~~74705013~~74391874 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-III Total $0.00 $0.00 ================================================================================= Total $0.00 $0.00

P Class Interest Paid, represents Prepayment Charges collected by the Master Servicer or any Sub-Servicer in connection with the Principal Prepayment of any of the Mortgage loans or servicer Prepayment Charge Payment Amount. 7 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Mortgage-Backed Notes Series Name: CMLTI 2006-AR1 Payment Date: 06/26/2006

--------------------------------------------------------------------------------------------------------------- Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- I-A1 $86,~~194~~493,~~176~~965.3609 $0.00 $86,~~194~~493,~~176~~965.3609 1210.~~99563442~~29916767 0.00 I-A2 $~~356~~282,~~262~~341.3238 $0.00 $~~356~~282,~~262~~341.3238 1210.~~99563435~~29916758 0.00 I-X $.00 $0.00 $.00 0.00000000 0.00 II-A1 $~~498~~437,~~866~~768.8115 $0.00 $~~498~~437,~~866~~768.8115 32.~~12994830~~74660821 0.00 II-A2 $2119,~~690~~034.5400 $0.00 $2119,~~690~~034.5400 32.~~12994805~~74660895 0.00 II-X $.00 $0.00 $.00 0.00000000 0.00 III-A1 $46,~~862~~097,~~753~~759.6107 $0.00 $46,~~862~~097,~~753~~759.6107 810.~~01738691~~05358232 0.00 III-A2 $~~249~~312,~~300~~616.6514 $0.00 $~~249~~312,~~300~~616.6514 810.~~01738704~~05358225 0.00 III-X $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A Total $1413,~~183~~643,~~050~~483.2983 $0.00 $1413,~~183~~643,~~050~~483.2983 0.00 I-M $~~383~~385.3278 $0.00 $~~383~~385.3278 0.~~22377116~~22520724 0.00 I-B1 $2,~~453~~469.8965 $0.00 $2,~~453~~469.8965 0.~~22377257~~22520974 0.00 I-B2 $1,~~150~~157.1958 $0.00 $1,~~150~~157.1958 0.~~22377237~~22521012 0.00 I-B3 $~~766~~771.8780 $0.00 $~~766~~771.8780 0.~~22377298~~22521156 0.00 I-B4 $~~613~~617.3630 $0.00 $~~613~~617.3630 0.~~22377235~~22520978 0.00 I-B5 $~~460~~463.0803 $0.00 $~~460~~463.0803 0.~~22377432~~22520914 0.00 I-B6 $~~306~~308.8483 $0.00 $~~306~~308.8483 0.~~22376464~~22521586 0.00 ---------------------------------------------------------------------------------------------------- SUB-I Total $6,~~134~~173.5597 $0.00 $6,~~134~~173.5597 0.00 II-M $~~126~~129.8826 $0.00 $~~126~~129.8826 0.~~18308802~~18652237 0.00 II-B1 $~~459~~468.9255 $0.00 $~~459~~468.9255 0.~~18308917~~18652468 0.00 II-B2 $~~285~~290.4479 $0.00 $~~285~~290.4479 0.~~18309173~~18652341 0.00 II-B3 $~~174~~177.4976 $0.00 $~~174~~177.4976 0.~~18309549~~18652676 0.00 II-B4 $9596.2199 $0.00 $9596.2199 0.~~18309615~~18651923 0.00 II-B5 $6364.3554 $0.00 $6364.3554 0.~~18309249~~18653179 0.00 II-B6 $6364.5069 $0.00 $6364.5069 0.~~18307534~~18650620 0.00 ---------------------------------------------------------------------------------------------------- SUB-II Total $1,~~268~~292.7958 $0.00 $1,~~268~~292.7958 0.00 III-B1 $~~969~~987.2075 $0.00 $~~969~~987.2075 0.~~08281637~~08440144 0.00 III-B2 $~~609~~620.2086 $0.00 $~~609~~620.2086 0.~~08281675~~08440185 0.00 III-B3 $~~387~~395.6608 $0.00 $~~387~~395.6608 0.~~08281564~~08440077 0.00 III-B4 $~~221~~225.5377 $0.00 $~~221~~225.5377 0.~~08281495~~08440000 0.00 III-B5 $~~221~~225.5377 $0.00 $~~221~~225.5377 0.~~08281495~~08440000 0.00 III-B6 $~~166~~169.0927 $0.00 $~~166~~169.0927 0.~~08281716~~08440279 0.00 ---------------------------------------------------------------------------------------------------- SUB-III Total $2,~~575~~624.2150 $0.00 $2,~~575~~624.2150 0.00 ===================================================================================================== Total $1413,~~193~~653,~~028~~574.8488 $0.00 $1413,~~193~~653,~~028~~574.8488 0.00

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Series Name: CMLTI 2006-AR1 Mortgage-Backed Notes Payment Date: 06/26/2006

----------------------------------------------------------------------------------------------------------------------------------- CLASS Previous Period's Ending Period's Beginning Balance Ending Balance Ending Balance Beginning Ending Prepayment Balance Balance Per Certificate Per Certificate Pool Factor Class PCT Class PCT Percentage ----------------------------------------------------------------------------------------------------------------------------------- I-A1 $~~624~~611,~~446~~165,~~252~~312.5627 $~~616~~604,~~252~~671,~~076~~347.2018 ~~990~~969.~~34666316~~28362555 ~~977~~958.~~35102873~~98445788 0.~~97735103~~95898446 91.~~965069590~~886162261% 91.~~916576904~~846395595% 95.833402994% I-A2 $2726,~~149~~571,~~363~~941.4231 $26,~~793~~289,~~101~~599.1093 ~~990~~969.~~34666302~~28362552 ~~977~~958.~~35102867~~98445794 0.~~97735103~~95898446 3.~~998411530~~994980837% 3.~~996303189~~993251882% 4.166597005% ** I-X $~~651~~637,~~595~~737,~~615~~253.9858 $~~643~~630,~~045~~960,~~177~~947.3011 ~~990~~969.~~34666315~~28362555 ~~977~~958.~~35102873~~98445788 0.~~97735103~~95898446 0.000000000% 0.000000000% 0.000000000% II-A1 $~~159~~158,~~346~~667,~~992~~198.6991 $158,~~848~~229,~~125~~430.8876 ~~999~~995.~~76153772~~49643260 ~~996~~992.~~63158942~~74982439 0.~~99663159~~99274982 91.~~999640833~~985235035% 91.~~988760356~~975708638% 95.833208069% II-A2 $6,~~928~~898,~~347~~790.4628 $6,~~906~~879,~~656~~756.9228 ~~999~~995.~~76153824~~49643290 ~~996~~992.~~63159019~~74982395 0.~~99663159~~99274982 43.~~000109867~~999483508% 3.~~999636789~~999069301% 4.166791931% ** II-X $~~166~~165,~~275~~565,~~340~~989.1519 $165,~~754~~109,~~782~~187.8004 ~~999~~995.~~76153774~~49643261 ~~996~~992.~~63158945~~74982437 0.~~99663159~~99274982 0.000000000% 0.000000000% 0.000000000% III-A1 $~~602~~588,~~252~~515,~~966~~752.5894 $~~597~~582,~~390~~417,~~212~~993.9787 ~~992~~970.~~95490479~~30589445 ~~984~~960.~~93751788~~25231214 0.~~98493752~~96025231 90.~~670457845~~572212814% 90.~~636275901~~527236075% 95.123278562% III-A2 $30,~~875~~171,~~932~~661.7678 $3029,~~626~~859,~~632~~045.1164 ~~992~~970.~~95490465~~30589420 ~~984~~960.~~93751761~~25231195 0.~~98493752~~96025231 4.~~648436977~~643400211% 4.~~646684558~~641094372% 4.876721438% ** III-X $~~633~~618,~~128~~687,~~899~~414.3472 $~~628~~612,~~016~~277,~~845~~039.0851 ~~992~~970.~~95490478~~30589444 ~~984~~960.~~93751787~~25231213 0.~~98493752~~96025231 0.000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A Total $1,~~450~~421,~~999~~990,~~855~~657.4749$1,~~436~~408,~~816~~347,~~805~~173.1866 % % % I-M $1,~~712~~711,~~615~~851.8151 $1,~~712~~711,~~232~~465.4973 999.~~77572096~~32954466 999.~~55194980~~10433742 0.~~99955195~~99910434 0.~~252224801~~257369753% 0.~~255386643~~259962637% 0.000000000% I-B1 $10,~~963~~958,~~540~~647.5473 $10,~~961~~956,~~086~~178.6508 999.~~77571950~~32953949 999.~~55194693~~10432975 0.~~99955195~~99910433 1.~~614651004~~647587098% 1.~~634891958~~664185794% 0.000000000% I-B2 $5,~~138~~136,~~847~~553.2084 $5,~~137~~135,~~697~~396.0126 999.~~77571984~~32954086 999.~~55194747~~10433074 0.~~99955195~~99910433 0.~~756821645~~772259501% 0.~~766309016~~780039667% 0.000000000% I-B3 $3,~~426~~424,~~231~~702.3933 $3,~~425~~423,~~464~~930.5253 999.~~77571929~~32953896 999.~~55194631~~10432740 0.~~99955195~~99910433 0.~~504596843~~514889748% 0.~~510922372~~520077029% 0.000000000% I-B4 $2,~~740~~739,~~385~~162.2527 $2,~~739~~738,~~771~~544.8997 999.~~77572054~~32954031 999.~~55194819~~10433054 0.~~99955195~~99910433 0.~~403589130~~411821652% 0.~~408648446~~415970569% 0.000000000% I-B5 $2,~~055~~054,~~538~~621.8853 $2,~~055~~054,~~078~~158.8050 999.~~77571984~~32953794 999.~~55194553~~10432879 0.~~99955195~~99910433 0.~~302728658~~308903799% 0.~~306523605~~312015866% 0.000000000% I-B6 $1,370,~~954~~342.6785 $1,370,~~647~~034.8302 999.~~77571759~~32954472 999.~~55195294~~10432886 0.~~99955195~~99910433 0.~~201906795~~206025346% 0.~~204437861~~208100957% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-I Tota $27,~~408~~395,~~113~~882.7406 $27,~~401~~389,~~979~~708.1909 4.~~036518879~~118856901% 4.~~087119905~~160352522% 0.000000000% II-M $692,~~873~~618.7287 $692,~~746~~489.8461 999.~~81777778~~45002886 999.~~63468975~~26350649 0.~~99963469~~99926351 0.~~400033488~~401536738% 0.~~401168869~~402530820% 0.000000000% II-B1 $2,~~511~~510,~~542~~618.2647 $2,~~511~~510,~~082~~149.3492 999.~~81777866~~45002787 999.~~63468949~~26350318 0.~~99963469~~99926350 1.~~450049241~~455498248% 1.~~454164790~~459101613% 0.000000000% II-B2 $1,558,~~715~~142.9158 $1,~~558~~557,~~430~~851.4779 999.~~81777421~~45001924 999.~~63468249~~26349583 0.~~99963468~~99926350 0.~~899931033~~903312798% 0.~~902485227~~905549123% 0.000000000% II-B3 $952,~~826~~475.3487 $952,~~651~~298.8511 999.~~81777545~~45002099 999.~~63467996~~26349423 0.~~99963468~~99926349 0.~~550118201~~552185438% 0.~~551679550~~553552478% 0.000000000% II-B4 $519,~~905~~714.2401 $519,~~810~~617.0302 999.~~81776923~~45001923 999.~~63467308~~26350000 0.~~99963467~~99926350 0.~~300169426~~301297405% 0.~~301021368~~302043326% 0.000000000% II-B5 $345,~~936~~809.9571 $345,~~873~~745.6017 999.~~81777457~~45002890 999.~~63468208~~26349711 0.~~99963468~~99926350 0.~~199728119~~200478660% 0.~~200294989~~200974982% 0.000000000% II-B6 $346,~~788~~660.5497 $346,~~725~~596.0428 999.~~81778958~~44999555 999.~~63471424~~26348935 0.~~99963471~~99926349 0.~~200219788~~200972167% 0.~~200788057~~201469715% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-II Tot $6,~~928~~926,~~588~~040.9648 $6,~~927~~924,~~320~~747.1790 4.~~000249299~~015281455% 4.~~011602853~~025222060% 0.000000000% III-B1 $11,~~702~~700,~~028~~085.9166 $11,~~701~~699,~~059~~097.7191 999.~~91702213~~75097496 999.~~83420576~~66657353 0.~~99983421~~99966657 1.~~761765201~~800635995% 1.~~775289338~~818431108% 0.000000000% III-B2 $7,~~355~~354,~~389~~168.6117 $7,~~354~~353,~~780~~547.4131 999.~~91702148~~75097471 999.~~83420473~~66657287 0.~~99983420~~99966657 1.~~107369462~~131801963% 1.~~115870149~~142987202% 0.000000000% III-B3 $4,~~680~~679,~~611~~834.5832 $4,~~680~~679,~~223~~439.9224 999.~~91702200~~75097629 999.~~83420637~~66657552 0.~~99983421~~99966658 0.~~704675972~~720223626% 0.~~710085396~~727341368% 0.000000000% III-B4 $2,674,~~778~~333.0386 $2,674,~~556~~108.5009 999.~~91702056~~75097570 999.~~83420561~~66657570 0.~~99983421~~99966658 0.~~402693489~~411578338% 0.~~405784754~~415645836% 0.000000000% III-B5 $2,674,~~778~~333.0386 $2,674,~~556~~108.5009 999.~~91702056~~75097570 999.~~83420561~~66657570 0.~~99983421~~99966658 0.~~402693489~~411578338% 0.~~405784754~~415645836% 0.000000000% III-B6 $2,005,~~335~~002.9189 $2,~~005~~004,~~169~~833.8262 999.~~91702827~~75097511 999.~~83421111~~66657231 0.~~99983421~~99966657 0.~~301907562~~308568713% 0.~~304225146~~311618199% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-III To $31,~~092~~087,~~922~~758.0776 $31,~~090~~085,~~346~~134.8626 4.~~681105177~~784386974% 4.~~717039540~~831669552% 0.000000000% ====================================================================================================================== Total 1,~~516~~487,~~429~~400,~~480~~338.2479 1,~~502~~473,~~236~~746,~~451~~763.4091 PO Balance $.00 $.00 Non PO Bal1,~~516~~487,~~429~~400,~~480~~338.2479 $1,~~502~~473,~~236~~746,~~451~~763.4091

9 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Mortgage-Backed Notes Series Name:2006-AR1 Pmt Date: 06/26/2006 Advances: Aggregate Amount of P&I Advances for such Distribution Date: $5,852,857.21 Summary of Disbursements Withdrawal/ Remittances Residual (Deposit) P&I Distributed 20,201,389.96 $0.00 $0.00 $20,201,389.96 Mortgage loans repurchased pursuant to Mortgage Loan Purchase Agreement: # of Aggregate Sched loans Prin Balance For the related payment date 0 $0.00 Cumulatively since the closing date 0 $0.00 Mortgage loans purchased out of the Trust pursuant to the Basic Documents: Sched Prin Balance For the related payment date $0.00 Cumulatively since the closing date $0.00 The Amount of any distribution to the Owner Trust Certifica $0.00 Loan level information (including data on REO, loans in foreclosure and realized losses) is available on the Citimortgagembs.com website in the payment and summary section of the CMLTI shelf 10 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Mortgage-Backed Notes Series Name: CMLTI 2006-AR1 Payment Date: 06/26/2006 2006-R1 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.24% 5.24% WAM 348 346 345 AVG LTV 72 71 71 AVG LOAN SIZE $542,216 $540,759 $540,962 # OF LOANS 1,264 1,230 1,217 ACTUAL BALANCE $685,490,004.20 $665,261,679.94 $658,472,486.92 SCHEDULED BALANCE $685,361,262.20 $665,133,135.64 $658,350,655.20 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 80.27% Single Family 80.06% Condo 17.72% Condo 17.96% 2-4 Family 1.90% 2-4 Family 1.86% PUD 0.11% PUD 0.12% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 87% CA 87% 65% AND BELOW 24% 24% NV 2% NV 2% 65.01-75% 23% 23% AZ 2% AZ 2% 75.01-80% 52% 52% WA 1% WA 1% OVER 80% 1% 1% CO 1% CO 1% OTHER 7% OTHER 7% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.00% $27,414,262.22 4.16% $27,389,708.09 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $149,895.24 PRINCIPAL PREPAYMENTS: $6,632,585.20 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 189% 190% 0% 186% PREPAYMENT HISTORY(CPR): 11.36% 11.41% 0.00% 11.15% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 31 0.2408% $1372,~~294,157~~240.4098 0.1906% $1373,~~296,411~~328.9309 0.1906% (2) 60-89 Days 0 0.00% $0.00 0.00% $0.00 0.00% (2) 90 + Days 0 0.00% $0.00 0.00% $0.00 0.00% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 1 0.08% $996,000.00 0.15% $996,000.00 0.15% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2006-R1 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.12% 5.12% WAM 356 353 352 AVG LTV 74 74 74 AVG LOAN SIZE $422,548 $421,741 $421,652 # OF LOANS 410 409 408 ACTUAL BALANCE $173,244,851.70 $172,515,288.85 $172,058,606.75 SCHEDULED BALANCE $173,244,851.70 $172,492,029.67 $172,033,934.94 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 80.03% Single Family 79.91% Condo 19.41% Condo 19.53% PUD 0.45% PUD 0.45% 2-4 Family 0.11% 2-4 Family 0.11% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 27% CA 27% 65% AND BELOW 18% 17% FL 10% FL 10% 65.01-75% 16% 16% VA 7% VA 7% 75.01-80% 63% 64% WA 5% WA 5% OVER 80% 3% 3% MD 4% MD 4% OTHER 47% OTHER 47% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.00% $6,929,851.74 4.03% $6,924,747.90 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $32,191.42 PRINCIPAL PREPAYMENTS: $425,903.31 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 49% 41% 0% 31% PREPAYMENT HISTORY(CPR): 2.94% 2.48% 0.00% 1.88% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 45 01.9823% $12,~~494~~608,~~372~~017.7203 01.8752% $12,~~495~~611,~~500~~803.8235 01.8752% (2) 60-89 Days 01 0.0025% $0385,531.0075 0.0022% $0385,531.0075 0.0022% (2) 90 + Days 0 0.00% $0.00 0.00% $0.00 0.00% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2006-R1 3 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 5.95% 5.94% WAM 359 356 355 AVG LTV 74 74 74 AVG LOAN SIZE $378,447 $375,376 $375,576 # OF LOANS 1,767 1,731 1,713 ACTUAL BALANCE $668,716,502.30 $649,819,158.51 $643,402,425.67 SCHEDULED BALANCE $668,716,502.30 $649,775,173.44 $643,362,173.73 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 76.83% Single Family 76.31% Condo 20.44% Condo 20.88% 2-4 Family 1.68% 2-4 Family 1.72% PUD 0.97% PUD 1.01% Other 0.08% Other 0.08% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 37% CA 37% 65% AND BELOW 18% 18% FL 13% FL 13% 65.01-75% 20% 20% VA 7% VA 7% 75.01-80% 59% 59% AZ 5% AZ 5% OVER 80% 3% 3% MD 5% MD 4% OTHER 33% OTHER 34% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.65% $31,095,502.31 4.83% $31,085,134.26 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $54,855.61 PRINCIPAL PREPAYMENTS: $6,358,144.10 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 186% 198% 0% 181% PREPAYMENT HISTORY(CPR): 11.13% 11.89% 0.00% 10.86% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 89 0.4653% $46,~~292~~012,~~586~~559.3419 0.6593% $46,~~292~~012,~~586~~559.3419 0.6593% (2) 60-89 Days 12 0.0612% $~~360~~1,~~704~~760,000.00 0.0527% $~~360~~1,~~704~~760,000.00 0.0527% (2) 90 + Days 0 0.00% $0.00 0.00% $0.00 0.00% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% BANKRUPTCIES IN PROCESS 0 0.00% $0.00 0.00% $0.00 0.00% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 11 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Mortgage-Backed Notes Series Name: CMLTI 2006-AR1 Payment Date: 06/26/2006

------------------------------------------------------------------------------------ Item 2006-R1 1 2006-R1 2 2006-R1 3 ------------------------------------------------------------------------------------ Collateral Description 1 2 3 Net WAC RATE 4.~~98677~~98650% 4.~~87461~~87438% 5.~~69693~~69412% Principal and Interest Constant 2,~~973~~913,~~670~~803.3925 ~~735~~732,~~302~~850.5378 3,~~208~~138,~~367~~103.7132 Beginning Loan Count 1,~~253~~230 ~~410~~409 1,~~762~~731 Loans Paid in Full 1613 1 1018 Ending Loan Count 1,~~237~~217 ~~409~~408 1,~~752~~713 Beginning Scheduled Balance ~~679~~665,~~003~~133,~~729~~135.7264 ~~173~~172,~~203~~492,~~929~~029.1167 ~~664~~649,~~221~~775,~~821~~173.3744 Ending Scheduled Balance ~~670~~658,~~447~~350,~~156~~655.4920 172,~~682~~033,~~102~~934.9794 ~~659~~643,~~107~~362,~~191~~173.9073 Scheduled Principal ~~151~~149,~~976~~895.2524 3132,~~717~~191.8542 5554,~~012~~855.8261 Unscheduled Principal 86,~~404~~632,~~596~~585.9820 ~~490~~425,~~108~~903.2931 56,~~059~~358,~~616~~144.6510 Scheduled Interest 2,~~821~~763,~~694~~908.1401 ~~703~~700,~~584~~659.6836 3,~~153~~083,~~354~~247.8971 Servicing Fee ~~126~~128,~~550~~993.5392 3635,~~468~~362.5001 ~~137~~120,~~446~~475.6386 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00

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Filing Compare · Citigroup Mortgage Loan Trust 2006-AR1