EX-34.5
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Report of Independent Registered Public Accounting Firm

Board of Directors
SunTrust Banks, Inc.

We have examined management's assertion, included in the accompanying reports
titled Management's Assertion on Compliance with Regulation AB Criteria, that
SunTrust Banks, Inc. (the Company) complied with the servicing criteria set
forth in Item 1122(d)(2)(i), 1122(d)(4)(i), and 1122(d)(4)(ii) of the
Securities and Exchange Commission's Regulation AB for the residential
mortgage loan servicing platform as of and for the year ended December 31,
2011. Refer to management's assertions for the asset backed transactions
covered by this platform. Management is responsible for the Company's
compliance with those servicing criteria. Our responsibility is to express an
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 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 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.


1

A member firm of Ernst & Young Global Limited


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As described in management's assertion, for servicing criteria 1122(d)(2)(i),
the Company has engaged a vendor to perform the 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
applicable servicing criteria applicable to the 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 vendor's activities comply in all material
respects with servicing criteria applicable to the vendor. The Company is
solely responsible for determining that it meets SEC requirements to apply
Interpretation 17.06 for the vendor 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.

In our opinion, management's assertion that the Company complied with the
aforementioned servicing criteria, including servicing criteria 1122(d)(2)(i)
for which compliance is determined based on Interpretation 17.06 as described
above, as of and for the year ended December 31, 2011 for the residential
mortgage loan servicing platform is fairly stated, in all material respects.

/s/Ernst & Young LLP

March 13, 2012


2

A member firm of Ernst & Young Global Limited