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            Report of Independent Registered Public Accounting Firm


To the Board of Directors:

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' or 'ZCSIA') complied with certain servicing criteria set forth
in Item 1122 (d) of the Securities and Exchange Commission's Regulation AB
for the ZC Sterling Integrated Product Solution (ZIPS) Hazard Insurance
Outsourcing Platform (the Platform) as of and for the year ended December 31,
2007. The Company has determined that only certain servicing criteria Item
1122 (d) (1) (iv), Item 1122 (d) (2) (vi), Item 1122 (d) (4) (xi), Item 1122
(d) (4) (xii), and Item 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 and Servicers 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 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 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,
2007 for the Platform is fairly stated, in all material respects.


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



February 14, 2008




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