Attached files

  EX-34.3
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Report of Independent Registered Public Accounting Firm

To the Board of Directors of QBE Financial Institution Risk Services, Inc.:

We have examined management's assertion, included in the accompanying
Management's Assertion on Compliance with Regulation AB Servicing Criteria,
that QBE First Insurance Agency, Inc. (the Company) complied with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's Regulation AB for QBE FIRST Integrated Product Solution (the
Platform), as of December 31, 2011 and for the year then ended, excluding
criteria 1122(d)(1)(i) through 1122(d)(1)(iii), 1122(d)(2)(i) through
1122(d)(2)(v), 1122(d)(2)(vii), 1122(d)(3)(i) through 1122(d)(3)(iv),
1122(d)(4)(i) through 1122(d)(4)(x),1122(d)(4)(xiv), and 1122(d)(4)(xv), which
the Company has determined are not applicable to the servicing activities
performed by it with respect to the Platform, as outlined in Exhibit A to
management's assertion. Management is responsible for the Company's compliance
with the servicing criteria. Our responsibility is to express an opinion on
management's assertion based on our examination.

Our examination was conducted in accordance with attestation standards of 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 selected servicing activities related to the Platform, and
determining whether the Company performed those selected activities in
compliance with the applicable servicing criteria. 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 detect
noncompliance arising from errors that may have occurred 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. 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 QBE First Insurance Agency, Inc.
complied with the aforementioned applicable servicing criteria as of and for
the year ended December 31, 2011 for QBE FIRST Integrated Product Solution is
fairly stated, in all material respects.

/s/PricewaterhouseCoopers LLP

February 8, 2012

PricewaterhouseCoopers LLP, 10 Tenth Street, Northwest, Suite 1400, Atlanta,GA
30309-3851
T: (678) 419 1000,F: (678) 419 1239, www.pwc.com