EX-34.1
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KPMG LLP
New Jersey Headquarters
51 John F. Kennedy Parkway
Short Hills, NJ 07078-2702


Report of Independent Registered Public Accounting Firm


The Board of Directors
Cenlar FSB:


We have examined management's assessment, included in the accompanying
Management Assessment, that Cenlar FSB (the Company) complied with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for residential mortgage loans (the Platform),
except for servicing criteria 1122 (d)(1)(iii) Backup Servicer, as of and for
the year ended December 31, 2012. This criterion is not applicable to the
Company because the Company does not perform activities with respect to the
Platform relating to this criterion. Appendix A to Management's Assessment
identifies the individual asset-backed transactions and securities defined by
management as constituting the Platform. Management is responsible for the
Company's compliance with the servicing criteria. Our responsibility is to
express an opinion on management's assessment about the Company's compliance
based on our examination.

Our examination was conducted in accordance with the standards of the Public
Company Accounting Oversight Board (United States) and, accordingly, included
examining, on a test basis, evidence about the Company's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
selected asset-backed transactions and securities that comprise the Platform,
testing selected servicing activities related to the Platform, and determining
whether the Company processed those selected transactions and performed those
selected activities in compliance with the servicing criteria. Furthermore, our
procedures were limited to the selected transactions and servicing activities
performed by the Company during the period covered by this report. Our
procedures were not designed to determine whether errors may have occurred
either prior to or subsequent to our tests that may have affected the balances
or amounts calculated or reported by the Company during the period covered by
this report for the selected transactions or any other transactions. We believe
that our examination provides a reasonable basis for our opinion. Our
examination does not provide a legal determination on the Company's compliance
with the servicing criteria.

As described in the accompanying Management Assessment, for servicing criteria
1122 (d)(4)(xi) and 1122 (d)(2)(vi), the Company has engaged various vendors
to perform some of the activities required by these servicing criteria. The
Company has determined that none of these vendors is considered a "servicer" as
defined in Item 1101(j) of Regulation AB, and the Company has elected to take
responsibility for assessing compliance with the servicing criteria applicable
to each vendor as permitted by Interpretation 17.06 of the SEC Division of
Corporation Finance Manual of Publicly Available Telephone Interpretations
("Interpretation 17.06"). As permitted by Interpretation 17.06, the Company has
asserted that it has policies and procedures in place designed to provide
reasonable assurance that the vendors' activities comply in all material
respects with the servicing criteria applicable to each vendor. The Company is
solely responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and the related criteria as described in
its assertion, and we performed no procedures with respect to the Company's
eligibility to apply Interpretation 17.06.


KPMG LLP is a Delaware limited liability partnership,
the U.S. member firm of KPMG International Cooperative
("KPMG International") a Swiss entity.


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In our opinion, management's assessment that the Company complied with the
aforementioned servicing criteria, including servicing criteria 1122 (d)(4)(xi)
and 1122 (d)(2)(vi) for which compliance is determined based on Interpretation
17.06 as described above, as of and for the year ended December 31, 2012 is
fairly stated, in all material respects.


/s/ KPMG LLP

Short Hills, New Jersey
March 7, 2013


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