[LETTERHEAD OF ERNST & YOUNG LLP]



                   REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


Board of Directors
GreenPoint Mortgage Funding, Inc.


We have examined  management's  assertion included in the accompanying report of
Certification  Regarding  Compliance with Applicable  Servicing  Criteria,  that
GreenPoint  Mortgage Funding,  Inc. (the "Company")  complied with the servicing
criteria set forth in Item 1122 (d) of the Securities and Exchange  Commission's
Regulation AB for the residential  mortgage loan servicing platform,  except for
the instances of material  noncompliance  described  therein,  as of and for the
year  ended  December  31,  2006,  and  except  for  criteria   1122(d)(1)(iii),
1122(d)(4)(i),  1122(d)(4)(xi),  1122(d)(4)(xii),  and 1122(d)(4)(xv), which the
Company has determined  are not  applicable to the activities  performed by them
with respect to the  servicing  platform  covered by this report.  Management is
responsible for the Company's compliance with the applicable servicing criteria.
Our responsibility is to express an opinion on management's  assertion about the
Company's  compliance  with  the  applicable  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 and  performing  such other
procedures  as we considered  necessary in the  circumstances.  Our  examination
included  testing on less than all of the individual  asset backed  transactions
and securities  that  compromise  the platform,  testing of less than all of the
servicing  activities  related to the  Platform,  and  determining  whether  the
Company  processed  those  selected  transactions  and performed  those selected
activities  in compliance  with the  servicing  criteria and as permitted by the
Interpretation  17.06 of the SEC  Division  of  Corporation  Finance  Manual  of
Publicly   Available   Telephone   Interpretations   ("Interpretation   17.06").
Furthermore,  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 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 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 the Company's  compliance
with the servicing criteria.

As described in management's assertion, for servicing criteria 1122(d)(2)(i) and
1122(d)(4)(iv),   the  Company  has  engaged  various  vendors  to  perform  the
activities required by these servicing criteria. The Company has determined that
these  vendors are not  considered  a  "servicer"  as defined in Item 1101(j) of
Regulation AB, and the Company has elected to take  responsibility for assessing
compliance with the applicable  servicing criteria  applicable to each vendor as
permitted by  Interpretation  17.06. As permitted by  Interpretation  17.06, the
Company has asserted that it has policies and  procedures  in place  designed to
provide reasonable assurance that the vendors' activities comply in all material
respects  with  servicing  criteria  applicable  to each vendor.  The Company is
solely  responsible for determining  that it meets the SEC requirements to apply
Interpretation  17.06 for the vendors and related  criteria as  described in its
assertion,  and we  performed  no  procedures  with  respect  to  the  Company's
eligibility to apply Interpretation 17.06.

Our examination  disclosed the following  material  noncompliance with servicing
criteria  1122(d)(1)(i),  1122(d)(2)(iv),  and 1122(d)(3)(ii)  applicable to the
Company's  platform  covered by this report  during the year ended  December 31,
2006.  1122(d)(1)(i)  - There were no  policies  and  procedures  instituted  to
monitor the  performance  or other triggers and events of defaults in accordance
with the transaction agreements;  1122(d)(2)(iv) - The related accounts for each
transaction  were not  separately  maintained  as set  forth in the  transaction
agreements;  and, 1122(d)(3)(ii) - Amounts due to investors were not remitted in
accordance with the timeframes set forth in the transaction agreements.

The  information  in the  Certification  Regarding  Compliance  with  Applicable
Servicing  Criteria in Item 2 of Appendix B (i.e.,  remediation  procedures)  is
presented by the Company for information purposes. Such information has not been
subjected to the procedures applied in our examination of management's assertion
as described above, and accordingly, we express no opinion on it.

In our opinion,  except for the material  noncompliance  described in the fourth
paragraph,   the  Company  complied,   in  all  material   respects,   with  the
aforementioned  servicing criteria,  including servicing criteria  1122(d)(2)(i)
and  1122(d)(4)(iv)  for which compliance is determined based on  Interpretation
17.06 as described above, as of and for the year ended December 31, 2006 for the
residential mortgage loan servicing platform.


/s/ Ernst & Young LLP

March 1, 2007