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**Report
        of Independent Registered Public Accounting Firm**
  We
        have
        examined management's assertion, included in the accompanying Report on
        Assessment of Compliance with Securities and Exchange Commission's Regulation
        AB
        Servicing Criteria, that ZC Sterling
        Insurance Agency, Inc. (the Company) complied with certain servicing criteria
        set forth in Item 1122
        (d)
        of the Securities and Exchange Commission's Regulation AB for the ZC Sterling
        Automated Tracking
        Solution (Tracldng System) hazard insurance outsourcing Platform (Platform)
        as
        of and for the year
        ended December 31, 2006. The Company has determined that only certain servicing
        criteria 1122 (d)
        l(iv), 1122 (d) 4(xi), 1122 (d) 4(xii), and 1122 (d) 4(xiii) are applicable
        to
        the activities performed by them
        with
        respect to the Platform covered by this report. The Company has determined
        that
        the remaining
        servicing criteria set forth in Item 1122 (d) of the Securities and Exchange
        Commission's Regulation AB are
        not
        applicable to the activities performed by them with respect to the Platform covered
        by this report. See Appendix A of management's assertion for the Platform
        covered by this report.
        Management is responsible for the Company's compliance with those servicing
        criteria. Our responsibility
        is to express an opinion on management's assertion about 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
        less than all of the servicing
        activities related to the Platform, and determining whether the Company
        performed those selected
        activities in compliance with the servicing criteria. Furthermore, our
        procedures were limited to the
        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
        Platform. 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.
  In our
        opinion, management's assertion that the Company complied with the
        aforementioned servicing criteria
        as of and for the year ended December 31, 2006 for the Tracking System Platform
        is fairly stated, in all material respects.




/s/
      Ernst
& Young LLP




February
      20, 2007




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      Member
      Practice of Ernst & Young Global