KPMG

         100 North Tampa Street
         Suite 1700
         Tampa, FL 33602



         Report of Independent Registered Public Accounting Firm


The Board of Directors
Fidelity National Information Services, Inc
FIS Tax Services (FIS)

We have examined management's assessment, included in the accompanying
Management Compliance Statement that FIS Tax Services (FIS) complied with
the servicing criteria set forth in Item 1122(d) of the Securities and
Exchange Commission's Regulation to residential mortgage loans (the
Platform), except for General Servicing Consideration criteria (i) - (iv),
Cash Collections and Administration (i) - (vii), Investor Remittances and
Reporting (i) - (iv), and Pool Asset Administration (i) - (x), (xiv), and
(xv), which FIS has determined are not applicable to the activities it
performs with respect to the Platform , as of and for the period ending
December 31, 2006. FIS has determined the following servicing criteria
from 1122(d) (4) were applicable to the activities it performs with respect
to the Platform.

(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.

(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.

(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.

Management is responsible for FIS' compliance with those servicing criteria.
Our responsibility is to express an opinion on management's assessment about
FIS' 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 FIS' compliance with the servicing
criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
of less than all of the individual residential mortgage loans that comprise
the Platform, testing of less than all of the servicing activities related to
the Platform, and

determining whether FIS 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 FIS 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 FIS 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
FIS' compliance with the servicing criteria.

In our opinion, management's assessment that FIS complied with the
aforementioned servicing criteria as of and for the year ended December
31, 2006 is fairly stated, in all material respects.

   /s/ KPMG LLP

Tampa, Florida
January 22, 2007





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          is the U.S. member firm of KPMG International,
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