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  EX-34.1
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KPMG LLP
Suite 900
10 South Broadway
St. Louis, MO 63102-1761

Report of Independent Registered Public Accounting Firm

The Board of Directors
CitiMortgage, Inc.:

We have examined CitiMortgage, Inc.'s (the Servicer) compliance with the
servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commission's (SEC) Regulation AB in connection with the servicing of first lien
residential mortgage loans, for which the Servicer performs a particular
servicing function pursuant to a servicing agreement with a third party, except
for (a) Freddie Mac, Fannie Mae, and Ginnie Mae residential mortgage loan
securitizations unless part of a special bond program and (b) loans held for
its own portfolio, utilizing the Citilink system (the Platform), except for
servicing criterion 1122(d)(l)(iii) and certain activities related to servicing
criteria 1122(d)(2)(ii), 1122(d)(4)(i), and 1122(d)(4)(ii), as described in
Exhibit A in the accompanying Management Assessment of Compliance with
Applicable Servicing Criteria, which the Servicer has determined are not
applicable to the activities it performs with respect to the Platform, as of
and for the year ended December 31, 2012. Management is responsible for the
Servicer's compliance with the servicing criteria. Our responsibility is to
express an opinion on management's assessment about the Servicer's compliance
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 Servicer's compliance with the
servicing criteria specified above and performing such other procedures as we
considered necessary in the circumstances. Our examination included testing
selected asset-backed transactions and securities that comprise the Platform,
testing selected servicing activities related to the Platform, and determining
whether the Servicer 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 Servicer 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 Servicer 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 Servicer's compliance
with the servicing criteria.

As described in the accompanying Management Assessment of Compliance with
Applicable Servicing Criteria, for certain activities related to servicing
criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(x),
1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), as described in Exhibit
A thereto, the Servicer has engaged various vendors to perform the activities
required by these servicing criteria. The Servicer has determined that none of
these vendors is considered a "servicer" as defined in Item 1101(j) of
Regulation AB, and the Servicer has elected to take responsibility for
assessing compliance with the servicing criteria applicable to each vendor as
permitted by Interpretation 17.06 of the SEC Division of Corporation Finance
Manual of Publicly Available Telephone Interpretations (Interpretation 17.06).
As permitted by Interpretation 17.06, the Servicer has asserted that it has
policies and procedures in place designed to provide reasonable assurance that
the vendors' activities comply in all material respects with the servicing
criteria applicable to each vendor. The Servicer is solely responsible for
determining that it

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meets the SEC requirements to apply Interpretation 17.06 for the vendors and
related criteria as described in its assessment, and we performed no procedures
with respect to the Servicer's eligibility to apply Interpretation 17.06.

Our examination disclosed the following material noncompliance with servicing
criteria 1122(d)(1)(ii) and 1122(d)(4)(vii), as applicable to the Servicer
during the year ended December 31, 2012.

1122(d)(1)(ii)- In certain instances, the Servicer did not comply with policies
and procedures that the Servicer instituted to monitor the performance of third
parties to which material serv1cmg activities were outsourced by the Servicer.

1122(d)(4)(vii) - In certain instances, the Servicer did not initiate, conduct,
and conclude loss mitigation or recovery actions (e.g., forbearance plans,
modifications and deeds in lieu of foreclosure, foreclosures and repossessions,
as applicable) in accordance with the timeframes or other requirements
established by the transaction agreements.

In our opinion, except for the material noncompliance described above, the
Servicer complied, in all material respects, with the aforementioned servicing
criteria, including activities related to servicing criteria 1122(d)(2)(i),
1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii),
and 1122(d)(4)(xiii), as described in Exhibit A of the Servicer's Management
Assessment of Compliance with Applicable Servicing Criteria, for which
compliance is determined based on Interpretation 17.06 as described above, as
of and for the year ended December 31, 2012.

We do not express an opinion or any form of assurance on the "Servicer's
commentary regarding material instances of noncompliance" of Exhibit B of the
Servicer's Management Assessment of Compliance with Applicable Servicing
Criteria.

/s/ KPMG LLP

St. Louis, Missouri
February 28, 2013

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