[LETTERHEAD OF DELOITTE & TOUCHE LLP]





A REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


To the Partners of
Litton Loan Servicing LP:

We have examined Litton Loan Servicing LP ("the Company's")  compliance with the
servicing  criteria  set forth in Item 1122 (d) of the  Securities  and Exchange
Commission's  Regulation  AB for the  Asset  Backed  Securities  Platform  ("the
Platform")  described in the accompanying  Management's  Report on Assessment of
Compliance  with SEC  Regulation  AB  Servicing  Criteria as of and for the year
ended December 31, 2006, excluding criteria 1122 (d)(1)(iii), 1122 (d)(3)(i)(C),
1122  (d)(3)(ii)  regarding  the waterfall  calculation,  1122  (d)(4)(i),  1122
(d)(4)(ii),  and  1122  (d)(4)(xv),  which  management  has  determined  are not
applicable  to the  activities  performed  by the  Company  with  respect to 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   attestation   standards
established  by the  American  Institute  of Certified  Public  Accountants,  as
adopted by 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,  including tests on a sample
basis of the servicing  activities related to the Platform,  determining whether
the Company performed those selected activities in compliance with the servicing
criteria during the specified  period and performing such other procedures as we
considered  necessary  in the  circumstances.  Our  procedures  were  limited to
selected servicing activities performed by the Company during the period covered
by this report and,  accordingly,  such samples may not have included  servicing
activities  related to each specific  asset-backed  transaction  included in the
Platform.  Further,  an  examination  is not  designed  to detect  noncompliance
arising from errors that may have occurred prior to the period  specified  above
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 Item 1122 (d) of the  Securities  and Exchange
Commission's  Regulation  AB  applicable  to the  Company  during the year ended
December 31, 2006:

o        1122(d)(2)(vii)--Reconciliations  contain  exceptions  for  reconciling
         items.  These reconciling items are resolved within 90 calendar days of
         their  original  identification,  or  such  other  number  of  days  as
         specified in the transaction agreements. Our testing of reconciliations
         included  certain  reconciling  items that were not resolved  within 90
         calendar days of their original identification on eleven of sixty-three
         investor bank account reconciliations  selected for testing. The net of
         these reconciling items for those eleven reconciliations was $216,950.



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o        1122(d)(4)(ix)--Adjustments  to  interest  rates or rates of return for
         pool assets with variable  rates are computed based on the related pool
         asset  documents.  Our testing of sixty-five  adjustable rate mortgages
         revealed  two  instances  for  which  the  interest  rate  reset in the
         servicing system did not agree to the interest rates in the appropriate
         servicing  index per the  borrower's  note  documents.  These  were the
         result of incorrect  information  transferring from the prior servicer.
         Additionally,  the  same  sixty-five  mortgages  selected  for  testing
         included one instance where the adjustable rate mortgage payment change
         date in the servicing system did not agree to the loan documents.

In our opinion, except for the material noncompliance described in the preceding
paragraph,   the  Company  complied,   in  all  material   respects,   with  the
aforementioned  applicable  servicing  criteria for the Asset Backed  Securities
Platform as of and for the year ended December 31, 2006.


/s/ Deloitte & Touche LLP

Houston, Texas
February 27, 2007