EX-34.6
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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, 2011, 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.


1

A member firm of Ernst & Young Global Limited

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Our examination disclosed the following material noncompliance with servicing
criteria 1122(d)(1)(i), 1122 (d)(4)(vi) and 1122(d)(4)(vii) applicable to the
Company during the year ended December 31, 2011:

* Policies and procedures were not adequate to monitor performance or other
  triggers and events of default in accordance with transaction agreements.

* Certain loan modifications were not made, reviewed or approved in
  accordance with transaction agreements and/or related pool asset documents.

* 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,
2011.

/s/Ernst & Young LLP

March 13, 2012


2

A member firm of Ernst & Young Global Limited