EX-34.2
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Deloitte & Touche LLP
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Philadelphia, Pennsylvania 19103-3984
USA

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Board of Directors and Shareholders
PHH Mortgage Corporation
Mt. Laurel, NJ 08054

We have examined PHH Mortgage Corporation's (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 Loan Platform (the "Platform") described in
the accompanying Management's Report on Assessment of Compliance with SEC
Regulation AB Servicing Criteria ("Management's Assertion") as of and for the
year ended December 31,2012, excluding criteria 1122 (d)(3)(i)(c), (d)(4)(xv),
and (d)(1)(iii), 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 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.

As described in management's assertion, for servicing criteria 1122(d)(2)(i),
1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(vii), 1122(d)(4)(viii), and
1122(d)(4)(xi), the Company has engaged a vendor to perform certain activities
required by these servicing criteria. The Company has determined that this
vendor is 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 servicing criteria applicable to this vendor as permitted by
Interpretation 17.06 of the SEC Division of Corporation Finance Manual of
Publicly Available Telephone Interpretations (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 vendor's activities comply in all material respects with the servicing
criteria applicable to this vendor. The Company is solely responsible for
determining that it meets the SEC requirements to apply Interpretation 17.06
for

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the vendor and related criteria as described in its assertion, and we
performed no procedures with respect to the Company's determination of its
eligibility to use Interpretation 17.06.

Our examination disclosed the following instance of material noncompliance with
criteria applicable to the Company during the year ended December 31, 2012:

Standard          Description
1122(d)(4)(vii)   During the year ended December 31, 2012, it was determined
                  certain foreclosure proceedings were not concluded in
                  accordance with the published Fannie Mae foreclosure
                  timelines.

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 PHH Mortgage Corporation's
Regulation AB Platform as of and for the year ended December 31, 2012.

/s/ Deloitte & Touche LLP

Philadelphia, Pennsylvania
February 28, 2013