Ernst & Young




         Report of Independent Registered Public Accounting Firm



Board of Directors
SunTrust Mortgage, Inc.


We have examined management's assertion included in the accompanying report
of Certification Regarding Compliance with Applicable Servicing Criteria,
that SunTrust Mortgage, 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, 2007, and except for
criteria 1122(d)(1)(iii), 1122(d)(4)(i), 1122(d)(4)(ii), 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. Refer to management's assertion for the asset backed transactions
covered by this platform. 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 of less than all of the individual asset backed
transactions and securities that comprise 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. 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.

Our examination disclosed the following material noncompliance with servicing
criteria 1122(d)(1)(iv) and 1 122(d)(2)(vii) applicable to the Company during
the year ended December 31, 2007, respectively:

-  The Company did not maintain appropriate coverage of fidelity bond and
   errors and omission insurance throughout the year as the size of the
   platform increased.
-  The Company did not identify all reconciling items on reconciliations of
   custodial bank accounts and did not clear all reconciling items within 90
   days.

The information in the Certification Regarding Compliance with Applicable
Servicing Criteria under paragraph 2 of Appendix B regarding remediation
activities 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 third
paragraph, management's assertion that the Company complied with the
aforementioned servicing criteria as of and for the year ended December 31,
2007 for the residential mortgage loan servicing platform is fairly stated,
in all material respects.


                                           /s/Ernst & Young
                                           -----------------------------

March 6, 2008