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  EX-34.3
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Report of Independent Registered Public Accounting Firm


Board of Directors
QBE FIRST Insurance Agency, Inc.

We have examined management's assertion, included in the accompanying
Management's Assertion on Compliance with Regulation AB Servicing
Criteria("Management's Report"), that QBE FIRST Insurance Agency, Inc. (the
"Company") complied with the servicing criteria set forth in Item 1122(d) of
the U.S. Securities and Exchange Commission's Regulation AB for the FIRST
Integrated Product Solution Platform (the "Platform") described in the
accompanying Management's Report as of and for the year ended December 31,
2012, 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) and 1122(d)(4)(xiv) through 1122(d)(4)(xv),
which management has determined are not applicable to the activities performed
by the Company with respect to the Platform. The Platform constitutes all the
asset-backed securities transactions described in Management's Assertion on
Compliance with Regulation AB Servicing Criteria for the applicable clients
noted in Exhibit A. Management is responsible for the Company's compliance
with the applicable servicing criteria. Our responsibility is to express an
opinion on management's assertion about the Company's compliance with the
applicable servicing criteria for the Platform based on our examination.

Our examination was conducted in accordance with the 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 for the Platform and performing such other
procedures as we considered necessary in the circumstances. Our examination
included testing selected asset-backed transactions and securities constituting
the Platform and evaluating whether the Company performed servicing activities
related to those transactions and securities in compliance with the applicable
servicing criteria for the period covered by this report. Accordingly, our
testing may not have included servicing activities related to each asset-backed
transaction or security constituting the Platform. Further, our examination was
not designed to detect material noncompliance that may have occurred prior to
the period covered by this report and that may have affected the Company's
servicing activities during the period covered by this report. We believe that
out examination provides a reasonable basis for our opinion. Our examination
does not provide a legal determination on the Company's compliance with the
applicable 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, 2012 for the FIRST Integrated Product Solution
Platform is fairly stated, in all material respects.


/s/GRANT THORNTON LLP

Los Angeles, California
February 8, 2013


Grant Thornton LLP
U.S. member firm of Grant Thornton International Ltd