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 cur
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 a 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 ac counts 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