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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/Automated Tracking Solution (Tracking System) 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) (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 LLP




February
14, 2008








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