Exhibit 34.5



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|     |  | KPMG LLP Aon Center
Suite 5500 200 East Randolph Drive
Chicago, IL 60601-6436

Report of Independent Registered Public Accounting Firm

To the Advisory Committee of Select Portfolio Servicing, Inc. and Subsidiaries, a direct subsidiary of Credit Suisse (USA), Inc.:

We have examined managements assessment, included in the accompanying Managements Assessment of Compliance, that Select Portfolio Servicing, Inc.
and Subsidiaries, a direct subsidiary of Credit Suisse (USA), Inc., (the Company) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commissions Regulation AB for publicly-issued
(i.e., transaction-level reporting required under the Securities Exchange Act of 1934, as amended) and certain privately-issued (i.e.,for which transaction-level reporting is required pursuant to contractual obligation) residential
mortgage-backed securities, for which the Company provides primary servicing (the Platform), except for servicing criteria 1122(d)(1)(iii), 1122(d)(3)(i), 1122(d)(3)(ii), 1122(d)(3)(iii), 1122(d)(3)(iv), 1122(d)(4)(i), 1122(d)(4)(ii),
1122(d)(4)(iii) and 1122(d)(4)(xv), which management has determined are not applicable to the activities the Company performs with respect to the Platform, as of and for the year ended December 31, 2015. The Company has determined that servicing
criterion 1122(d)(1)(v) is applicable to the activities the Company performs with respect to the Platform for all transactions and securities in the Platform, including those issued on or before November 23, 2015 for which compliance was previously
assessed under other servicing criteria in accordance with the SEC Division of Corporation Finances Manual of Publicly Available Interpretations on Regulation AB and Related Rules, Interpretation 11.03,as applicable, for the 2015
assessment period as of and for the year ended December 31, 2015. Management is responsible for the Companys compliance with the servicing criteria. Our responsibility is to express an opinion on managements assessment about the
Companys compliance based on our examination.

Our examination was conducted in accordance with the 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 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 Company
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 Company 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 Company 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 Companys
compliance with the servicing criteria.

As described in the accompanying Managements Assessment of Compliance, for servicing criteria
1122(d)(4)(ix), 1122(d)(4)(x)(A), 1122(d)(4)(xi), 1122(d)(4)(xii) and 1122(d)(4)(xiii), the Company has



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engaged various vendors to perform the activities required by these servicing criteria. The Company has determined that none of these vendors is considered a servicer as defined in
Item 1101(j) of Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criteria applicable to each vendor as permitted by the SECs Compliance and Disclosure Interpretation
(C&DI) 200.06, Vendors Engaged by Servicers(C&DI 200.06) (formerly SEC Manual Telephone Interpretation 17.06). As permitted by C&DI 200.06, the Company 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 Company is solely responsible for determining that it meets the SEC
requirements to apply C&DI 200.06 for the vendors and related criteria as described in Managements Assessment of Compliance, and we performed no procedures with respect to the Companys eligibility to apply C&DI 200.06.

In our opinion, managements assessment that the Company complied with the aforementioned servicing criteria, including servicing criteria
1122(d)(4)(ix), 1122(d)(4)(x)(A), 1122(d)(4)(xi), 1122(d)(4)(xii) and 1122(d)(4)(xiii) for which compliance is determined based on C&DI 200.06 as described above, as of and for the year ended December 31, 2015, is fairly stated, in all material
respects.

/s/ KPMG LLP

Chicago, Illinois

February 22, 2016