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1900 Scripps Center
Report of Independent Registered Public Accounting Firm
Board of Directors
National City Mortgage Co.
We have examined management's assertion, included in the accompanying Management's Assertion on
Compliance with Regulation AB Servicing Criteria, that National City Mortgage Company (NCM),
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 as of and for the year
ended
December 31, 2007, except for Item 1122(d)(1)(iii), 1122(d)(3)(i)(c), 1122(d)(4)(ii), and
1122(d)(4)(xv), which NCM has determined are not applicable to the activities performed by them with
respect to the servicing platform covered by this report. See Appendix A of management's assertion for
the asset backed transactions covered by this platform. Management is responsible for NCM's
compliance with those servicing criteria. Our responsibility is to express an opinion on management's
assertion
about NCM'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 NCM'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 NCM processed those selected transactions
and performed those selected activities in compliance with the servicing criteria and as permitted by the
Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly Available
Telephone Interpretations
("Interpretation 17.06"). Furthermore, our procedures were limited to the
selected transactions and servicing activities performed by NCM 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 NCM
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 NCM's compliance with the servicing criteria.
As described in management's assertion, for servicing criteria 1122(d)(4)(xi) and 1122(d)(4)(xii), NCM
has engaged various vendors to perform the activities required by these servicing criteria. NCM has
determined that these vendors are not considered a "servicer" as defined in Item 1101(j) of Regulation
AB, and NCM has elected to take responsibility for assessing compliance with the applicable servicing
criteria applicable to each vendor as permitted by Interpretation 17.06. As permitted by Interpretation
17.06, NCM has asserted tha t it has policies and procedures in place designed to provide reasonable
assurance that the vendors' activities comply in all material respects with servicing criteria applicable to
each vendor. NCM is solely responsible for determining that it meets the SEC requirements to apply
Interpretation 17.06 for the vendors and related criteria as described in its assertion, and we performed
no procedures with respect to NCM's eligibility to apply Interpretation 17.06.
In our opinion, management's assertion that NCM complied with the aforementioned servicing criteria
as of and for the year ended
December 31, 2007 for the residential mortgage loan servicing platform, is
fairly stated, in all material respects.
