10-D 1 final_2006-ar3.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 August 1, 2006 to August 31, 2006 Commission File Number of issuing entity: 333-131136-01 -------------------- CITIGROUP MORTGAGE LOAN TRUST 2006-AR3 ------------------------------------------------------------------------ (Exact name of issuing entity as specified in its charter) Commission File Number of depositor: 333-131136 ---------------------- CITIGROUP MORTGAGE LOAN TRUST, INC. ------------------------------------------------------------------------- (Exact name of depositor as specified in its charter) CITIGROUP GLOBAL MARKETS REALTY CORP. ------------------------------------------------------------------------- (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 1-A1A { } { } {X} _____________ Class 1-A1B { } { } {X} _____________ Class 1-A2A { } { } {X} _____________ Class 1-A2B { } { } {X} _____________ Class 1-R { } { } {X} _____________ Class 2-A1A { } { } {X} _____________ Class 2-A2A { } { } {X} _____________ Class 2-A12B { } { } {X} _____________ Class 2-A3A { } { } {X} _____________ Class 2-A4A { } { } {X} _____________ Class 2-A34B { } { } {X} _____________ Class 2-1AX { } { } {X} _____________ Class 2-2AX { } { } {X} _____________ Class 2-R { } { } {X} _____________ Class 1-B1 { } { } {X} _____________ Class 1-B2 { } { } {X} _____________ Class 1-B3 { } { } {X} _____________ Class 2-B1 { } { } {X} _____________ Class 2-B2 { } { } {X} _____________ Class 2-B3 { } { } {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 August 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-AR3 (Issuing Entity) CitiMortgage, Inc. Master Servicer By: /s/ Tommy Harris ---------------------------- Tommy Harris Senior Vice President Dated: September 25, 2006 3 4 EXHIBIT 99.1 ------------ Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006 Issuer: Citigroup Mortgage Loan Trust Inc. Record Date: 31-Aug-06 Determination Date: See Foot Note Distribution Date: 25-Sep-06 Distribution #: 4 Trustee U.S. Bank National Association Clare M. O'Brien (617) 603-6402 Bond Administrator CitiMortgage, Inc. Cynthia Andrews (636) 261-1358 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 # --------------------------------------------------------------------------------------------------------------------------------- 1-A1A Variable, Spr Snr 5.~~95482~~95218% 5.~~95295~~95102% 0508/01/2006 0508/31/2006 $262,465,000.00 17306SAA1 1-A1B Variable, Snr Sprt 5.~~95482~~95218% 5.~~95295~~95102% 0508/01/2006 0508/31/2006 $14,097,000.00 17306SAB9 1-A2A Variable, Spr Snr 5.~~87088~~86644% 5.~~86840~~86491% 0508/01/2006 0508/31/2006 $830,362,000.00 17306SAC7 1-A2B Variable, Snr Sprt 5.~~87088~~86644% 5.~~86840~~86491% 0508/01/2006 0508/31/2006 $44,599,000.00 17306SAD5 1-R Residual 50.~~87088~~00000% 0.00000% 05N/~~01/2006~~A 05N/~~31/2006~~A $100.16 17306SAG8 ------------------- Class A-I Total $1,151,523,100.16 2-A1A Variable-Spr Snr 5.70000% 5.70000% 0508/01/2006 0508/31/2006 $82,187,000.00 17306SAH6 2-A2A Variable Spr Snr 5.70000% 5.70000% 0508/01/2006 0508/31/2006 $46,684,000.00 17306SAJ2 2-A12B Variable Snr Sup 5.70000% 5.70000% 0508/01/2006 0508/31/2006 $10,928,000.00 17306SAK9 2-A3A Variable Spr Snr 5.90000% 5.90000% 0508/01/2006 0508/31/2006 $245,429,000.00 17306SAL7 2-A4A Variable Spr Snr 5.90000% 5.90000% 0508/01/2006 0508/31/2006 $162,761,000.00 17306SAM5 2-A34B Variable Snr Sup 5.90000% 5.90000% 0508/01/2006 0508/31/2006 $34,612,000.00 17306SAN3 ** 2-1AX WAC IO 0.~~50727~~51353% 0.~~50626~~50331% 0508/01/2006 0508/31/2006 $139,799,000.00 17306SAP8 ** 2-2AX WAC IO 0.~~41212~~39797% 0.~~41272~~39337% 0508/01/2006 0508/31/2006 $442,802,000.00 17306SAQ6 2-R Residual 50.~~70000~~00000% 0.00000% 05N/~~01/2006~~A 05N/~~31/2006~~A $100.76 17306SAU7 2-P Prepay Chgs 0.00000% 0.00000% 05N/~~01/2006~~A 05N/~~31/2006~~A $100.00 17306S9A3 ------------------- Class A-II Total $582,601,200.76 1-B1 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $35,096,000.00 17306SAE3 1-B2 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $7,866,000.00 17306SAF0 1-B3 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $6,051,000.00 17306SBB8 1-B4 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $3,631,000.00 17306SAV5 1-B5 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $3,026,000.00 17306SAW3 1-B6 Variable 5.~~89104~~88703% 5.~~88871~~88559% 0508/01/2006 0508/31/2006 $3,025,601.00 17306SAX1 ------------------- Class SUB-I Total $58,695,601.00 2-B1 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $15,389,000.00 17306SAR4 2-B2 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $10,050,000.00 17306SAS2 2-B3 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $6,281,000.00 17306SAT0 2-B4 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $7,538,000.00 17306SAY9 2-B5 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $3,455,000.00 17306SAZ6 2-B6 Variable 6.~~28696~~27595% 6.~~28679~~27097% 0508/01/2006 0508/31/2006 $2,827,062.00 17306SBA0 ------------------- Class SUB-II Total $45,540,062.00 =================== $1,838,359,963.92 ** 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 Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006

----------------------------------------------------------------------------------------------------------------------------------- Non Supported Net WAC Relief Act. Interest Interest Interest Interest Interest Interest Principal CLASS Accrued Shortfall Carryover Shortfall Shortfall Recoveries Recoveries Interest Paid ----------------------------------------------------------------------------------------------------------------------------------- 1-A1A $1,~~302~~275,~~442~~637.2410 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~302~~275,~~442~~637.2410 1-A1B $6968,~~954~~514.2049 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $6968,~~954~~514.2049 1-A2A $43,~~062~~963,~~459~~985.8322 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $43,~~062~~963,~~459~~985.8322 1-A2B $~~218~~212,~~195~~906.9787 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~218~~212,~~195~~906.9787 1-R $0.5000 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.5000 ---------------------------------------------------------------------------------------------------------------------- A-I Total $5,~~653~~521,~~052~~043.7468 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $5,~~653~~521,~~052~~043.7468 2-A1A $~~390~~372,~~388~~598.2537 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~390~~372,~~388~~598.2537 2-A2A $~~221~~200,~~749~~051.0044 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~221~~200,~~749~~051.0044 2-A12B $5148,~~908~~559.0055 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $5148,~~908~~559.0055 2-A3A $1,~~206~~144,~~692~~421.5844 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $1,~~206~~144,~~692~~421.5844 2-A4A $~~800~~744,~~241~~697.5889 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~800~~744,~~241~~697.5889 2-A34B $~~170~~160,~~175~~185.6770 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~170~~160,~~175~~185.6770 2-1AX $5955,~~096~~966.0498 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $5955,~~096~~966.0498 2-2AX $~~152~~138,~~071~~229.6744 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~152~~138,~~071~~229.6744 2-R $10.0552 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $10.0552 2-P $0.00 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $0.00 ---------------------------------------------------------------------------------------------------------------------- A-II Total $32,~~052~~864,~~323~~711.8433 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $32,~~052~~864,~~323~~711.8433 1-B1 $172,~~293~~142.1482 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $172,~~293~~142.1482 1-B2 $38,~~615~~582.7304 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $38,~~615~~582.7304 1-B3 $29,~~705~~679.5463 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $29,~~705~~679.5463 1-B4 $17,~~825~~809.2974 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $17,~~825~~809.2974 1-B5 $14,~~855~~842.2327 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $14,~~855~~842.2327 1-B6 $14,~~853~~840.2730 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $14,~~853~~840.2730 ---------------------------------------------------------------------------------------------------------------------- SUB-I Total $~~288~~287,~~148~~896.2080 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $~~288~~287,~~148~~896.2080 2-B1 $80,~~624~~463.9869 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $80,~~624~~463.9869 2-B2 $52,~~653~~547.2693 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $52,~~653~~547.2693 2-B3 $32,~~906~~841.9815 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $32,~~906~~841.9815 2-B4 $39,~~492~~413.5756 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $39,~~492~~413.5756 2-B5 $18,~~101~~064.2098 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $18,~~101~~064.2098 2-B6 $14,~~811~~781.3572 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $14,~~811~~781.3572 ---------------------------------------------------------------------------------------------------------------------- SUB-II Total $238,~~590~~113.3403 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $238,~~590~~113.3403 ====================================================================================================================== Total $98,~~232~~911,~~115~~764.1284 $0.00 $0.00 0.00 $0.00 $0.00 $0.00 $98,~~232~~911,~~115~~764.1284

------------------------------------------------------------------------------------------------------------------ Interest Cum Net WAC Cum Unpaid Paid Per Interest Interest CLASS Certificate Carryover Amount Shortfalls ------------------------------------------------------------------------------------------------------------------ 1-A1A 4.~~96234637~~86021793 $0.00 $0.00 1-A1B 4.~~96234660~~86021778 $0.00 $0.00 1-A2A 4.~~89239612~~77380374 $0.00 $0.00 1-A2B 4.~~89239602~~77380367 $0.00 $0.00 1-R 40.~~99201278~~00000000 $0.00 $0.00 ------------------------------------------------------------------------------- A-I Total $0.00 $0.00 2-A1A 4.~~75000000~~53354387 $0.00 $0.00 2-A2A 4.~~75000000~~28522492 $0.00 $0.00 2-A12B 4.~~75000000~~44358986 $0.00 $0.00 2-A3A 4.~~91666665~~66294301 $0.00 $0.00 2-A4A 4.~~91666665~~57540744 $0.00 $0.00 2-A34B 4.~~91666676~~62803941 $0.00 $0.00 2-1AX 0.~~42272148~~40033892 $0.00 $0.00 2-2AX 0.~~34343040~~31216986 $0.00 $0.00 2-R 105.~~42080191~~16077809 $0.00 $0.00 2-P 0.00000000 $0.00 $0.00 ------------------------------------------------------------------------------- A-II Total $0.00 $0.00 1-B1 4.~~90919592~~90491281 $0.00 $0.00 1-B2 4.~~90919527~~90491228 $0.00 $0.00 1-B3 4.~~90919517~~90491324 $0.00 $0.00 1-B4 4.~~90919581~~90491325 $0.00 $0.00 1-B5 4.~~90919696~~90491408 $0.00 $0.00 1-B6 4.~~90919655~~90490980 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-I Total $0.00 $0.00 2-B1 5.~~23913055~~22864968 $0.00 $0.00 2-B2 5.~~23913035~~22864975 $0.00 $0.00 2-B3 5.~~23913071~~22864990 $0.00 $0.00 2-B4 5.~~23913107~~22864951 $0.00 $0.00 2-B5 5.~~23913169~~22864834 $0.00 $0.00 2-B6 5.~~23913165~~22865080 $0.00 $0.00 ------------------------------------------------------------------------------- SUB-II 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 Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006

--------------------------------------------------------------------------------------------------------------- Certificate Reductions not part of Principal distributions Paid Cumulative Principal to reduce Principal Per Principal CLASS Due Stated Amount Paid Certificate Loss --------------------------------------------------------------------------------------------------------------- 1-A1A $1,~~687~~656,~~765~~777.5574 $0.00 $1,~~687~~656,~~765~~777.5574 6.~~43044044~~31237590 0.00 1-A1B $9088,~~649~~985.9256 $0.00 $9088,~~649~~985.9256 6.~~43044052~~31237568 0.00 1-A2A $108,~~125~~191,~~350~~838.1993 $0.00 $108,~~125~~191,~~350~~838.1993 129.~~19389879~~86538272 0.00 1-A2B $~~543~~439,~~835~~986.6920 $0.00 $~~543~~439,~~835~~986.6920 129.~~19389874~~86538263 0.00 1-R $~~100~~.1600 $0.00 $~~100~~.1600 ~~1,000~~0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-I Total $1210,~~447~~377,~~701~~588.5143 $0.00 $1210,~~447~~377,~~701~~588.5143 0.00 2-A1A $~~498~~1,~~232~~705,734.1131 $0.00 $~~498~~1,~~232~~705,734.1131 620.~~06217662~~75430798 0.00 2-A2A $~~809~~468,211.3467 $0.00 $~~809~~468,211.3467 010.~~01733656~~02938202 0.00 2-A12B $42184,~~317~~346.7022 $0.00 $42184,~~317~~346.7022 316.~~87241032~~86916362 0.00 2-A3A $3,~~624~~644,~~105~~309.9330 $0.00 $3,~~624~~644,~~105~~309.9330 14.~~76641281~~84873141 0.00 2-A4A $3497,~~455,173~~176.8244 $0.00 $3497,~~455,173~~176.8244 213.~~22851187~~05464110 0.00 2-A34B $~~600~~351,~~279~~172.3650 $0.00 $~~600~~351,~~279~~172.3650 1710.~~34309950~~14597538 0.00 2-1AX $.00 $0.00 $.00 0.00000000 0.00 2-2AX $.00 $0.00 $.00 0.00000000 0.00 2-R $~~100~~.7600 $0.00 $~~100~~.7600 ~~1,000~~0.00000000 0.00 2-P $.00 $0.00 $.00 0.00000000 0.00 ---------------------------------------------------------------------------------------------------- A-II Total $86,~~221~~850,~~019~~950.0244 $0.00 $86,~~221~~850,~~019~~950.0244 0.00 1-B1 $2,~~236~~297.2269 $0.00 $2,~~236~~297.2269 0.~~06371723~~06546871 0.00 1-B2 $~~501~~514.2098 $0.00 $~~501~~514.2098 0.~~06371726~~06546911 0.00 1-B3 $~~385~~396.5515 $0.00 $~~385~~396.5515 0.~~06371674~~06546852 0.00 1-B4 $~~231~~237.3672 $0.00 $~~231~~237.3672 0.~~06371798~~06546957 0.00 1-B5 $~~192~~198.8111 $0.00 $~~192~~198.8111 0.~~06371778~~06546927 0.00 1-B6 $~~192~~198.7808 $0.00 $~~192~~198.7808 0.~~06371627~~06546798 0.00 ---------------------------------------------------------------------------------------------------- SUB-I Total $3,~~739~~842.9273 $0.00 $3,~~739~~842.9273 0.00 2-B1 $1,~~296~~264.4915 $0.00 $1,~~296~~264.4915 0.~~08424784~~08214634 0.00 2-B2 $~~846~~825.6957 $0.00 $~~846~~825.6957 0.~~08424776~~08214627 0.00 2-B3 $~~529~~515.1696 $0.00 $~~529~~515.1696 0.~~08424773~~08214616 0.00 2-B4 $~~635~~619.0622 $0.00 $~~635~~619.0622 0.~~08424781~~08214646 0.00 2-B5 $~~291~~283.0882 $0.00 $~~291~~283.0882 0.~~08424891~~08214761 0.00 2-B6 $~~238~~232.1823 $0.00 $~~238~~232.1823 0.~~08425001~~08214535 0.00 ---------------------------------------------------------------------------------------------------- SUB-II Total $3,~~836~~740.6695 $0.00 $3,~~836~~740.6695 0.00 ===================================================================================================== Total $2017,~~676~~236,~~297~~122.1155 $0.00 $2017,~~676~~236,~~297~~122.1155 0.00

8 Citigroup Mortgage Loan Trust Inc. Distribution Date Statement to Certificateholders Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006

----------------------------------------------------------------------------------------------------------------------------------- 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 ----------------------------------------------------------------------------------------------------------------------------------- 1-A1A $~~262~~257,~~465~~177,~~000~~185.0019 $~~260~~255,~~777~~520,~~234~~407.45 ~~1,000~~979.~~00000000~~85325735 ~~993~~973.~~56955956~~54088145 0.~~99356956~~97354088 90.~~300037724~~210686010% 90.~~271899251~~181984814% 94.902770445% 1-A1B $1413,~~097~~812,~~000~~991.0036 $1413,~~006~~724,~~350~~005.0880 ~~1,000~~979.~~00000000~~85325672 ~~993~~973.~~56955948~~54088104 0.~~99356956~~97354088 4.~~850016694~~845217609% 4.~~848505376~~843676068% 5.097229554% 1-A2A $~~830~~810,~~362~~846,~~000~~757.0096 $~~820~~802,~~236~~654,~~649~~919.8103 ~~1,000~~976.~~00000000~~49791050 ~~987~~966.~~80610121~~63252778 0.~~98780610~~96663253 90.~~299935099~~195606142% 90.~~246222838~~150294064% 94.902744236% 1-A2B $4443,~~599~~550,~~000~~830.0031 $4443,~~055~~110,~~164~~844.3111 ~~1,000~~976.~~00000000~~49791049 ~~987~~966.~~80610126~~63252786 0.~~98780610~~96663253 4.~~850037460~~844433919% 4.~~847152558~~842000194% 5.097255763% 1-R $~~100~~.1600 $.00 ~~1,000~~0.00000000 0.00000000 0.00000000 0.~~000010892~~000000000% 0.000000000% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-I Total $1,~~151~~125,~~523~~387,~~100~~764.1682$1,~~139~~115,~~075~~010,~~398~~176.6539 % % % 2-A1A $8278,~~187~~441,~~000~~762.0020 $8176,~~688~~736,~~767~~027.89 ~~1,000~~954.~~00000000~~43028946 ~~993~~933.~~93782338~~67598148 0.~~99393782~~93367598 85.~~500083760~~207161579% 85.~~463006577~~064726743% 92.183062825% 2-A2A $4642,~~684~~116,~~000~~091.0083 $4641,~~683~~647,~~190~~880.6616 ~~1,000~~902.~~00000000~~15259682 ~~999~~892.~~98266344~~12321481 0.~~99998266~~89212321 8584.~~498887490~~831895449% 8584.~~498827424~~755969367% 92.183062825% 2-A12B $10,~~928~~223,~~000~~062.0005 $10,~~885~~038,~~682~~715.3083 ~~1,000~~935.~~00000000~~49250092 ~~996~~918.~~12758968~~62333730 0.~~99612759~~91862334 11.~~368524405~~104774746% 11.~~388629820~~128288007% 15.633874348% 2-A3A $~~245~~232,~~429~~763,~~000~~682.0017 $~~241~~229,~~804~~119,~~894~~372.0787 ~~1,000~~948.~~00000000~~39518627 ~~985~~933.~~23358719~~54645486 0.~~98523359~~93354645 85.~~500085975~~165796988% 85.~~407822159~~063357108% 92.183413805% 2-A4A $~~162~~151,~~761~~463,~~000~~978.0026 $~~159~~150,~~305~~966,~~826~~801.1882 ~~1,000~~930.~~00000000~~59134719 ~~978~~927.~~77148813~~53670609 0.~~97877149~~92753671 85.~~500262909~~042253954% 85.~~366635038~~021159526% 92.183413805% 2-A34B $3432,~~612~~580,~~000~~141.0007 $3432,~~011~~228,~~720~~968.6457 ~~1,000~~941.~~00000000~~29611320 ~~982~~931.~~65690050~~15013781 0.~~98265690~~93115014 3635.~~007262694~~390094084% 35.~~583152737~~727004381% 15.633172388% ** 2-1AX $~~139~~130,~~799~~780,~~000~~916.0008 $~~139~~128,~~257~~422,~~640~~623.8588 ~~1,000~~935.~~00000000~~49250052 ~~996~~918.~~12758925~~62333693 0.~~99612759~~91862334 0.000000000% 0.000000000% 0.000000000% ** 2-2AX $~~442~~416,~~802~~807,~~000~~801.0050 $~~435~~412,~~122~~315,~~440~~143.8926 ~~1,000~~941.~~00000000~~29611316 ~~982~~931.~~65690058~~15013767 0.~~98265690~~93115014 0.000000000% 0.000000000% 0.000000000% 2-R $~~100~~.7600 $.00 ~~1,000~~0.00000000 0.00000000 0.00000000 0.~~000104821~~000000000% 0.000000000% 0.000000000% 2-P $100.00 $100.00 01,000.~~00000000 0~~000000001,000.00000000 01.00000000 0.~~000000000~~000108624% 0.~~000000000~~000110853% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- A-II Total $~~582~~547,~~601~~588,~~200~~817.7658 $~~574~~540,~~380~~737,~~181~~867.7414 % % % 1-B1 $35,~~096~~089,~~000~~227.0031 $35,~~093~~086,~~763~~929.7862 ~~1,000~~999.~~00000000~~80702388 999.~~93628277~~74155516 0.~~99993628~~99974156 2.~~899971713~~963436864% 2.~~929931795~~989453045% 0.000000000% 1-B2 $7,~~866~~864,~~000~~482.0005 $7,~~865~~863,~~498~~967.8007 ~~1,000~~999.~~00000000~~80702390 999.~~93628274~~74155479 0.~~99993628~~99974155 0.~~649965166~~664189491% 0.~~656680063~~670020448% 0.000000000% 1-B3 $6,~~051~~049,~~000~~832.0030 $6,~~050~~049,~~614~~436.4515 ~~1,000~~999.~~00000000~~80702363 999.~~93628326~~74155511 0.~~99993628~~99974156 0.~~499992273~~510934478% 0.~~505157775~~515420001% 0.000000000% 1-B4 $3,~~631~~630,~~000~~299.0030 $3,630,~~768~~061.6458 ~~1,000~~999.~~00000000~~80702286 999.~~93628202~~74155329 0.~~99993628~~99974155 0.~~300028416~~306594462% 0.~~303128058~~309286072% 0.000000000% 1-B5 $3,~~026~~025,~~000~~416.0005 $3,025,~~807~~217.1994 ~~1,000~~999.~~00000000~~80702247 999.~~93628222~~74155321 0.~~99993628~~99974155 0.~~250037451~~255509458% 0.~~252620629~~257752590% 0.000000000% 1-B6 $3,025,~~601~~017.0013 $3,~~025~~024,~~408~~819.2205 ~~1,000~~999.~~00000000~~80702346 999.~~93628373~~74155548 0.~~99993628~~99974156 0.~~250004482~~255475767% 0.~~252587319~~257718604% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-I Tota $58,~~695~~684,~~601~~274.0014 $58,~~691~~680,~~861~~431.0841 4.~~849999503~~956140522% 4.~~900105642~~999650761% 0.000000000% 2-B1 $15,~~389~~385,~~000~~152.0033 $15,~~387~~383,~~703~~888.5118 ~~1,000~~999.~~00000000~~74997271 999.~~91575216~~66782637 0.~~99991575~~99966783 2.~~449926618~~593946815% 2.~~482222334~~624060085% 0.000000000% 2-B2 $10,~~050~~047,~~000~~487.0023 $10,~~049~~046,~~153~~661.3166 ~~1,000~~999.~~00000000~~74997313 999.~~91575224~~66782687 0.~~99991575~~99966783 1.~~599958575~~694012964% 1.~~621049740~~713678853% 0.000000000% 2-B3 $6,~~281~~279,~~000~~429.0058 $6,~~280~~278,~~470~~913.8462 ~~1,000~~999.~~00000000~~74997293 999.~~91575227~~66782678 0.~~99991575~~99966783 01.~~999934309~~058715962% 1.~~013115763~~071006654% 0.000000000% 2-B4 $7,~~538~~536,~~000~~115.0029 $7,~~537~~535,~~364~~496.9407 ~~1,000~~999.~~00000000~~74997214 999.~~91575219~~66782568 0.~~99991575~~99966783 1.~~200048531~~270594001% 1.~~215867954~~285344395% 0.000000000% 2-B5 $3,~~455~~454,~~000~~136.0015 $3,~~454~~453,~~708~~852.9233 ~~1,000~~999.~~00000000~~74997106 999.~~91575109~~66782344 0.~~99991575~~99966782 0.~~550035510~~582369629% 0.~~557286253~~589130389% 0.000000000% 2-B6 $2,~~827~~826,~~062~~355.0017 $2,826,~~823~~122.8294 ~~1,000~~999.~~00000000~~74997718 999.~~91574999~~66783183 0.~~99991575~~99966783 0.~~450067869~~476525343% 0.~~456000807~~482057352% 0.000000000% ----------------------------------------------------------------------------------------------------------------------- SUB-II Tot $45,~~540~~528,~~062~~675.0075 $45,~~536~~524,~~225~~934.3480 7.~~249971415~~676164716% 7.~~345542853~~765277730% 0.000000000% ====================================================================================================================== Total 1,~~838~~777,~~359~~189,~~963~~532.9229 1,~~817~~759,~~683~~953,~~666~~409.8174 PO Balance $.00 $.00 Non PO Bal1,~~838~~777,~~359~~189,~~963~~532.9229 $1,~~817~~759,~~683~~953,~~666~~409.8174

9 Citigroup Mortgage Loan Trust Inc. DISTRIBUTION DATE STATEMENT Series Name: CMLTI 2006-AR3 REMIC PASS-THROUGH CERTIFICATE Pmt Date: 09/25/2006 Advances: Aggregate Amount of P&I Advances for such Distribution Date:$7,333,633.40 Summary of Disbursements Withdrawel/ Remittances Residual (Deposit) P&I Distributed ------------------------------------------------------------- 26,147,887.38 $0.00 $0.00 $26,147,887.38 Extraordinary Trust Fund Expenses withdrawn from the Collection $0.00 Account or Distribution Account for such Distribution Date: 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 Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006 2006-R3 1A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.20% 6.20% WAM 358 355 354 AVG LTV 77 77 77 AVG LOAN SIZE $267,150 $266,435 $266,296 # OF LOANS 1,088 1,070 1,064 ACTUAL BALANCE $290,667,155.91 $285,094,327.60 $283,347,602.03 SCHEDULED BALANCE $290,658,793.30 $285,085,056.51 $283,338,637.95 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 67.00% Single Family 66.55% Condo 25.09% Condo 25.36% 2-4 Family 4.60% 2-4 Family 4.71% PUD 3.17% PUD 3.24% Other 0.14% Other 0.14% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 26% CA 26% 65% AND BELOW 7% 7% FL 11% FL 11% 65.01-75% 16% 16% VA 6% VA 6% 75.01-80% 75% 75% WA 5% WA 5% OVER 80% 2% 2% MD 5% MD 5% OTHER 47% OTHER 47% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $13,253.36 PRINCIPAL PREPAYMENTS: $1,733,165.20 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 118% 123% 0% 122% PREPAYMENT HISTORY(CPR): 7.06% 7.40% 0.00% 7.32% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 65 0.5647% $1,~~128~~424,~~001~~509.5075 0.3950% $1,~~128~~425,~~001~~080.5087 0.3950% (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 01 0.0009% $0218,916.00 0.0008% $0218,916.00 0.0008% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2006-R3 1B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.12% 6.12% WAM 358 355 354 AVG LTV 74 74 74 AVG LOAN SIZE $667,315 $663,949 $662,464 # OF LOANS 1,378 1,354 1,344 ACTUAL BALANCE $919,605,285.36 $899,028,454.96 $890,397,374.04 SCHEDULED BALANCE $919,559,907.86 $898,986,982.45 $890,351,969.85 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 84.56% Single Family 84.59% Condo 12.48% Condo 12.36% PUD 1.29% PUD 1.33% 2-4 Family 0.97% 2-4 Family 1.00% Other 0.70% Other 0.72% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 55% CA 55% 65% AND BELOW 12% 12% NY 5% NY 5% 65.01-75% 34% 34% VA 5% VA 5% 75.01-80% 53% 53% NJ 4% FL 4% OVER 80% 1% 1% FL 4% NJ 4% OTHER 27% OTHER 27% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $64,263.93 PRINCIPAL PREPAYMENTS: $8,570,748.67 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 181% 131% 0% 153% PREPAYMENT HISTORY(CPR): 10.86% 7.83% 0.00% 9.15% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 95 0.6637% $63,~~748~~282,~~675~~103.0026 0.7437% $63,~~748~~282,~~675~~985.0019 0.7437% (2) 60-89 Days 02 0.0015% $0943,542.0082 0.0011% $0943,542.0082 0.0011% (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-R3 1 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.14% 6.14% WAM 358 355 354 AVG LTV 75 75 75 AVG LOAN SIZE $490,762 $488,479 $487,413 # OF LOANS 2,466 2,424 2,408 ACTUAL BALANCE $1,210,272,441.27 $1,184,122,782.56$1,173,744,976.07 SCHEDULED BALANCE $1,210,218,701.16 $1,184,072,038.96$1,173,690,607.80 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 80.35% Single Family 80.24% Condo 15.51% Condo 15.49% 2-4 Family 1.84% 2-4 Family 1.90% PUD 1.74% PUD 1.79% Other 0.56% Other 0.58% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 48% CA 48% 65% AND BELOW 11% 11% FL 6% FL 6% 65.01-75% 30% 30% VA 5% VA 5% 75.01-80% 58% 58% NY 4% NY 4% OVER 80% 1% 1% NJ 4% NJ 4% OTHER 33% OTHER 33% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 4.85% $58,695,601.00 5.00% $58,680,431.41 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $77,517.29 PRINCIPAL PREPAYMENTS:$10,303,913.87 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 166% 129% 0% 145% PREPAYMENT HISTORY(CPR): 9.96% 7.73% 0.00% 8.71% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 1510 0.6142% $74,~~876~~706,~~676~~613.5001 0.6640% $74,~~876~~708,~~676~~066.5006 0.6640% (2) 60-89 Days 02 0.0008% $0943,542.0082 0.0008% $0943,542.0082 0.0008% (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 01 0.0004% $0218,916.00 0.0002% $0218,916.00 0.0002% PURCHASE AMOUNT ADVANCES NA

(1) DETERMINED BY THE MBA METHOD. (2) DOES NOT INCLUDE REAL ESTATE OWNED BY THE TRUST. ------------------------------------------------------------------------------- 2006-R3 2A COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.54% 6.54% WAM 358 355 354 AVG LTV 77 77 77 AVG LOAN SIZE $239,713 $240,366 $240,557 # OF LOANS 401 383 375 ACTUAL BALANCE $96,128,607.78 $92,067,426.32 $90,216,354.75 SCHEDULED BALANCE $96,125,052.03 $92,060,057.80 $90,208,986.53 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 53.93% Single Family 53.29% PUD 26.03% PUD 26.26% Condo 15.17% Condo 15.74% 2-4 Family 4.52% 2-4 Family 4.34% Other 0.35% Other 0.37% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 26% CA 27% 65% AND BELOW 10% 10% FL 10% FL 11% 65.01-75% 12% 13% NV 7% NV 7% 75.01-80% 69% 69% VA 6% VA 7% OVER 80% 9% 8% MD 6% MD 6% OTHER 45% OTHER 42% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $9,172.86 PRINCIPAL PREPAYMENTS: $1,841,898.41 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 359% 343% 0% 288% PREPAYMENT HISTORY(CPR): 21.54% 20.57% 0.00% 17.25% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 20 5 1.0133% $41,~~553~~522,~~501~~300.2200 41.7669% $41,~~554~~522,~~636~~300.8300 41.7769% (2) 60-89 Days 01 0.0027% $0217,234.0076 0.0024% $0217,941.0034 0.0024% (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-R3 2B COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.37% 6.38% WAM 358 355 354 AVG LTV 77 78 78 AVG LOAN SIZE $557,162 $545,566 $552,119 # OF LOANS 98 91 89 ACTUAL BALANCE $54,601,880.06 $49,646,951.25 $49,139,004.55 SCHEDULED BALANCE $54,601,880.06 $49,646,529.30 $49,138,580.41 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 65.86% Single Family 68.50% PUD 23.71% PUD 19.91% Condo 8.34% Condo 9.26% 2-4 Family 2.09% 2-4 Family 2.33% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 66% CA 71% 65% AND BELOW 10% 8% GA 6% GA 6% 65.01-75% 8% 8% CO 4% CO 4% 75.01-80% 81% 83% OR 3% NY 3% OVER 80% 1% 1% NY 3% WA 2% OTHER 18% OTHER 14% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $424.14 PRINCIPAL PREPAYMENTS: $507,524.75 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 193% 573% 0% 452% PREPAYMENT HISTORY(CPR): 11.60% 34.40% 0.00% 27.11% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 12 12.0225% $~~600~~1,~~000~~015,854.0067 12.1007% $~~600~~1,~~000~~015,854.0067 12.1007% (2) 60-89 Days 02 02.0025% $01,300,000.00 02.0065% $01,300,000.00 02.0065% (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-R3 2C COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.73% 6.72% WAM 357 354 353 AVG LTV 75 75 75 AVG LOAN SIZE $219,290 $218,645 $218,985 # OF LOANS 1,309 1,250 1,230 ACTUAL BALANCE $287,063,564.82 $273,324,835.43 $269,370,108.63 SCHEDULED BALANCE $287,051,173.34 $273,306,527.27 $269,351,434.81 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 53.02% Single Family 53.25% PUD 23.82% PUD 23.18% 2-4 Family 10.35% 2-4 Family 10.39% Condo 10.04% Condo 10.39% Other 2.77% Other 2.79% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 25% CA 25% 65% AND BELOW 6% 6% FL 9% FL 10% 65.01-75% 36% 35% AZ 7% AZ 7% 75.01-80% 55% 56% IL 7% IL 7% OVER 80% 3% 3% MD 6% MD 6% OTHER 46% OTHER 45% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $23,226.55 PRINCIPAL PREPAYMENTS: $3,931,865.91 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 266% 299% 0% 288% PREPAYMENT HISTORY(CPR): 15.93% 17.96% 0.00% 17.27% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 9521 71.3471%17 $4,~~417~~541,~~919~~410.0872 61.1569% $174,~~419~~542,~~803~~256.7734 61.1569% (2) 60-89 Days 112 0.0898% $~~383~~3,~~800~~079,459.0012 01.14% $~~383~~3,~~800~~079,459.0087 01.14% (2) 90 + Days 07 0.0057% $01,948,252.0035 0.0072% $01,950,573.0065 0.0072% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 03 0.0024% $0958,148.0083 0.0036% $0960,470.0013 0.0036% 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-R3 2D COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.36% 6.34% WAM 356 353 352 AVG LTV 74 74 74 AVG LOAN SIZE $670,293 $669,565 $670,052 # OF LOANS 284 266 265 ACTUAL BALANCE $190,378,072.51 $178,120,664.59 $177,578,419.11 SCHEDULED BALANCE $190,363,157.33 $178,104,378.96 $177,563,800.19 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 67.82% Single Family 68.45% PUD 22.30% PUD 21.23% Condo 4.05% Condo 4.07% Townhouse 3.63% Townhouse 3.89% Other 2.20% Other 2.36% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 43% CA 44% 65% AND BELOW 12% 12% FL 7% FL 7% 65.01-75% 34% 34% NY 6% MD 7% 75.01-80% 53% 53% MD 6% NY 6% OVER 80% 1% 1% MA 5% MA 5% OTHER 33% OTHER 31% PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $16,069.15 PRINCIPAL PREPAYMENTS: $524,509.62 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 58% 299% 0% 312% PREPAYMENT HISTORY(CPR): 3.46% 17.93% 0.00% 18.74% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days 115 31.9689% $92,~~119~~378,~~524~~807.8004 41.8934% $92,~~119~~378,~~524~~807.8004 41.8934% (2) 60-89 Days 01 0.0038% $0754,660.0096 0.0043% $0754,660.0096 0.0043% (2) 90 + Days 03 01.0013% $01,984,002.0088 01.0012% $01,985,521.0004 01.0012% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 01 0.0038% $0805,000.00 0.0045% $0805,000.00 0.0045% 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-R3 2 COLLATERAL INFORMATION: GENERAL INFORMATION: AT ISSUE BEGINNING ENDING WAC-SCHED BAL 6.56% 6.55% WAM 357 354 353 AVG LTV 75 75 75 AVG LOAN SIZE $300,259 $298,049 $299,266 # OF LOANS 2,092 1,990 1,959 ACTUAL BALANCE $628,172,125.17 $593,159,877.59 $586,303,887.04 SCHEDULED BALANCE $628,141,262.76 $593,117,493.33 $586,262,801.94 TYPE OF DWELLING UNIT: AT ISSUE CURRENT Single Family 58.76% Single Family 59.13% PUD 23.69% PUD 22.79% Condo 8.86% Condo 9.21% 2-4 Family 6.27% 2-4 Family 6.35% Other 2.42% Other 2.52% GEOGRAPHIC DISTRIBUTION: LTV DISTRIBUTION: AT ISSUE CURRENT AT ISSUE CURRENT CA 34% CA 35% 65% AND BELOW 9% 9% FL 8% FL 8% 65.01-75% 29% 29% MD 6% MD 6% 75.01-80% 59% 59% AZ 5% IL 5% OVER 80% 3% 3% IL 5% AZ 5% OTHER 42% OTHER 41% CREDIT ENHANCEMENT: AT ISSUE CURRENT SUBORDINATION 7.25% $45,540,162.00 7.77% $45,524,934.80 PREPAYMENT INFORMATION: SCHEDULED PRINCIPAL: $48,892.70 PRINCIPAL PREPAYMENTS: $6,805,798.69 1 MONTH 3 MONTH 12 MONTH CUMULATIVE PRICING SPEED(PSA):See Prospectus PREPAYMENT HISTORY(PSA): 215% 332% 0% 310% PREPAYMENT HISTORY(CPR): 12.92% 19.91% 0.00% 18.60% DELINQUENCY (1)

--------------------------------------------------------------------------------------------------------- Number of Amount of Scheduled Amount of Actual Pool Item loans Balance Balance # PCT Amount PCT Amount PCT --------------------------------------------------------------------------------------------------------- (2) 30-59 Days ~~127~~33 61.1468%31 $9,~~690~~458,~~945~~372.1043 51.1161% $319,~~693~~459,~~965~~218.4005 51.1161% (2) 60-89 Days 116 0.0582% $~~383~~5,~~800~~351,354.0084 0.0691% $~~383~~5,~~800~~352,062.0017 0.0691% (2) 90 + Days 010 0.0051% $03,932,255.0023 0.0067% $03,936,094.0069 0.0067% REAL ESTATE OWNED BY THE TRUST 0 0.00% $0.00 0.00% $0.00 0.00% FORECLOSURES IN PROCESS 04 0.0020% $01,763,148.0083 0.0030% $01,765,470.0013 0.0030% 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 Remic Pass-Through Certificate Series Name: CMLTI 2006-AR3 Payment Date: 09/25/2006

------------------------------------------------------------------------------------ Item 2006-R3 1A 2006-R3 1B 2006-R3 1 Total ------------------------------------------------------------------------------------ Collateral Description 1A 1B Total 1 Net WAC RATE 5.~~95482~~95218% 5.~~87088~~86644% 5.~~89104~~88708% Principal and Interest Constant 1,~~455~~427,~~350~~317.0865 4,~~562~~459,~~962~~140.3512 65,~~018~~886,~~312~~457.4377 Beginning Loan Count 1,~~088~~070 1,~~378~~354 2,~~466~~424 Loans Paid in Full 76 1110 1816 Ending Loan Count 1,~~081~~064 1,~~367~~344 2,~~448~~408 Beginning Scheduled Balance ~~290~~285,~~658~~085,~~793~~056.3051 ~~919~~898,~~559~~986,~~907~~982.~~861~~451,~~210~~184,~~218~~072,~~701~~038.1696 Ending Scheduled Balance ~~288~~283,~~879~~338,~~747~~637.3195 ~~908~~890,~~887~~351,~~512~~969.~~421~~851,~~197~~173,~~767~~690,~~259~~607.7380 Scheduled Principal 13,~~000~~253.4736 64,~~111~~263.0293 77,~~111~~517.4929 Unscheduled Principal 1,~~766~~733,~~045~~165.5220 108,~~608~~570,~~284~~748.4267 1210,~~374~~303,~~329~~913.9487 Scheduled Interest 1,~~442~~414,~~349~~064.6129 4,~~498~~394,~~851~~876.3319 5,~~941~~808,~~200~~940.9448 Net Servicing Fee 1353,~~090~~847.3569 20160,~~791~~640.1114 33214,~~881~~487.4683 Administration Fee 0.00 0.00 0.00 Fraud Loss Amount N/A N/A 2436,~~204~~306,~~374~~561.0203 Amount of any Fraud Losses N/A N/A 0.00 Bankruptcy Amount N/A N/A 150,000.00 Amount of any Bankruptcy Losses N/A N/A 0.00 Special Hazard Amount N/A N/A 12,102,187.00 Amount of any Special Hazard Losses N/A N/A 0.00 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00

-----------------------------------------------------------------------

-------------------------------------------------------------------------------------------------------------------- Item 2006-R3 2A 2006-R3 2B 2006-R3 2C 2006-R3 2D 2006-R3 2 Total -------------------------------------------------------------------------------------------------------------------- Collateral Description 2A 2B 2C 2D Total 2 Net WAC RATE 6.~~26244~~26475% 6.~~11014~~11814% 6.~~46133~~44681% 6.~~08711~~06924% 6.~~28696~~27766% Principal and Interest Constant ~~511~~489,~~236~~783.2397 ~~278~~253,~~438~~544.3050 1,~~570~~491,~~348~~521.1653 ~~983~~916,~~811~~867.8905 3,~~343~~151,~~834~~717.5805 Beginning Loan Count ~~401~~383 9891 1,~~309~~250 ~~284~~266 21,~~092~~990 Loans Paid in Full 8 2 020 151 631 23 Ending Loan Count ~~399~~375 9889 1,~~294~~230 ~~278~~265 21,~~069~~959 Beginning Scheduled Balance 9692,~~125~~060,~~052~~057.0380 5449,~~601~~646,~~880~~529.0630 ~~287~~273,~~051~~306,~~173~~527.3427 ~~190~~178,~~363~~104,~~157~~378.3396 ~~628~~593,~~141~~117,~~262~~493.7633 Ending Scheduled Balance 9590,~~583~~208,~~774~~986.9753 5449,~~600~~138,~~971~~580.8141 ~~283~~269,~~117~~351,~~972~~434.0581 ~~186~~177,~~613~~563,~~688~~800.2519 ~~619~~586,~~916~~262,~~407~~801.0894 Scheduled Principal 9,~~588~~172.5786 ~~417~~424.5814 2423,~~737~~226.55 1816,~~176~~069.7115 5248,~~920~~892.4170 Unscheduled Principal ~~531~~1,~~688~~841,898.4941 ~~490~~507,524.6775 3,~~908~~931,~~463~~865.7491 3524,~~731,292~~509.3762 86,~~171~~805,~~935~~798.2769 Scheduled Interest ~~501~~480,~~647~~611.6611 ~~278~~253,~~020~~120.7236 1,~~545~~468,~~610~~294.6198 ~~965~~900,~~635~~797.1890 3,~~290~~102,~~914~~824.1735 Net Servicing Fee 410,~~945~~762.0159 410,~~170~~902.9107 1856,~~727~~517.3770 1239,~~984~~752.5091 40117,~~827~~935.7926 Administration Fee 0.00 0.00 0.00 0.00 0.00 Fraud Loss Amount N/A N/A N/A N/A 1218,~~562~~844,~~825~~237.2588 Amount of any Fraud Losses N/A N/A N/A N/A 0.00 Bankruptcy Amount N/A N/A N/A N/A 150,000.00 Amount of any Bankruptcy Losses N/A N/A N/A N/A 0.00 Special Hazard Amount N/A N/A N/A N/A 6,281,413.00 Amount of any Special Hazard Losses N/A N/A N/A N/A 0.00 Realized Loss Amount 0.00 0.00 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 0.00 0.00

-----------------------------------------------------------------------

Filing Compare · Citigroup Mortgage Loan Trust Inc., Series 2006-AR3