REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Board of Directors and Stockholder
of SunTrust Mortgage, Inc.:

We have  examined  SunTrust  Mortgage,  Inc.'s  compliance  with  the  servicing
criteria set forth in Item 1122(d) of the Securities  and Exchange  Commission's
Regulation  AB for all  residential  mortgage loan  securitization  transactions
occurring after December 31, 2005 (the Platform)  described in the  accompanying
Management's Assertion on Compliance with Regulation AB Criteria, as of December
31, 2006 and for the year then ended, as set forth in Appendix A to Management's
Assertion with respect to the Platform.  Management's  assertion  identifies all
residential mortgage loan securitization  transactions  occurring after December
31,  2005 as  constituting  the  Platform.  Management  is  responsible  for the
Company's  compliance  with the servicing  criteria.  Our  responsibility  is to
express an opinion on the Company's compliance with the servicing criteria based
on our examination.

Our examination was conducted in accordance with 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 applicable
servicing  criteria  and  performing  such  other  procedures  as we  considered
necessary in the  circumstances.  Our examination  included  testing of selected
asset-backed transactions and securities that comprise the Platform,  testing of
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 applicable servicing criteria.  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 detect  noncompliance  arising  from  errors that may have  occurred
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.  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.

Our  examination  disclosed  the  following  material   noncompliance  with  the
servicing  criteria  set  forth  in  Items  1122(d)(1)(i),   1122(d)(2)(i),  and
1122(d)(2)(iv)  of Regulation AB applicable to the Company during the year ended
December 31, 2006.  Specifically,  SunTrust Mortgage, Inc. did not (i) institute
policies and procedures to monitor any  performance or other triggers and events
of default in  accordance  with the  transaction  agreements as required by Item
1122(d)(1)(i);  (ii)  deposit  payments  on pool  assets  into  the  appropriate
custodial  bank  accounts  and related bank  clearing  accounts no more than two
business  days after  receipt,  or such other  number of days  specified  in the
transaction  agreements as required by Item 1122(d)(2)(i);  and (iii) separately
maintain  the  related  accounts  for  the  transaction  as  set  forth  in  the
transaction agreements, as required by Item 1122(d)(2)(iv).

In our opinion, except for the material noncompliance described in the preceding
paragraph,  SunTrust Mortgage, Inc. complied with the aforementioned  applicable
servicing  criteria  as of and for the  year  ended  December  31,  2006 for all
residential mortgage loan securitization  transactions  occurring after December
31, 2005, in all material respects.


/s/ PricewaterhouseCoopers LLP

February 27, 2007