Zone transfer from Windows DNS to BIND Failing /etc/tmp- open:permission denied

[BCW]

Apr 20 05:55:41 man10-1vm named[6845]: zone xch.com/IN: Transfer started.
Apr 20 05:55:41 man10-1vm named[6845]: transfer of 'xch.com/IN' from
192.168.0.251#53: connected using 192.168.0.71#32783
Apr 20 05:55:41 man10-1vm named[6845]: dumping master
file: /etc/tmp-z1ARcpMXZC: open: permission denied
Apr 20 05:55:41 man10-1vm named[6845]: transfer of 'xch.com/IN' from
192.168.0.251#53: failed while receiving responses: permission denied
Apr 20 05:55:41 man10-1vm named[6845]: transfer of 'xch.com/IN' from
192.168.0.251#53: end of transfer

The syslog entries above are from the bind server.  The windows server
primary zone is AD integrated.  When the bind server requests a transfer
the windows server log says it completed successfully.  Packet capture
shows DNS information flowing to the secondary after the transfer request. 
The /etc/tmp open:permission denied message happens every time the transfer
is initiated.

How do I fix the permission denied problem and what is the /etc/tmp file
open step  doing?