EX-34.5
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Report of Independent Registered Public Accounting Firm

Board of Directors
SunTrust Mortgage, Inc.

We have examined management's assertion, included in the accompanying
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, 2012, 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. See Appendix B of management's
assertion 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 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 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.

1303-1044654

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Our examination disclosed the following material noncompliance with servicing
criteria 1122 (d)(1)(ii), 1122 (d)(2)(v), 1122 (d)(4)(vi), and 1122 (d)(4)(vii)
applicable to the Company during the year ended December 31, 2012:

*1122 (d)(1)(ii)-For material servicing activities outsourced to third parties,
policies and procedures were not adequate to monitor the third party's
performance and compliance with such servicing activities.

*1122 (d)(2)(v)-Certain custodial accounts were not maintained in accordance
with the requirements as set forth in the transaction agreements.

*1122 (d)(4)(vi)-Certain loan modifications were not made, reviewed or approved
in accordance with the transaction agreements and/or related pool asset
documents.

*1122 (d)(4)(vii)-Certain loss mitigation actions or recovery actions were not
initiated, conducted and/or concluded in accordance with timeframes or other
requirements established by the transaction agreements.

The information in the accompanying Certification Regarding Compliance with
Applicable Servicing Criteria, under Appendix C, 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, the Company complied, in all material respects, with the
aforementioned servicing criteria as of and for the year ended December 31,
2012.

/s/ Ernst & Young LLP

March 13, 2013

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