**Exhibit 34.8**

**Report of Independent Registered Public Accounting Firm**

The Board of Directors 

Citibank, N.A.: 

We have examined management’s assertion, included in the accompanying Management’s Assertion of Compliance, that the Agency and Trust division ofCitibank, N.A. (the “Company”) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission’s Regulation AB, except for servicing criteria1122(d)(1)(iii)-1122(d)(1)(iv), 1122(d)(2)(iii), 1122(d)(4)(i)-1122(d)(4)(ii) and 1122(d)(4)(iv)-1122(d)(4)(xiv), which theCompany has determined are not applicable to the activities it performs with respect to the Platform, as of and for the twelve months ended December 31, 2015, for publicly-issued (*i.e.*, transaction-level reporting initially 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 issued on or after January 1, 2006 for which theCompany provides the following servicing functions: paying agent, securities administration and trustee; or securities administration and paying agent; or paying agent and trustee; or paying agent (the “Platform”), as listed in Appendix Aof the accompanying Management’s Assertion of Compliance. The Platform also includes certain transactions for which the Company is not a party to the transaction agreements, but for which securities administration servicing functions have beenoutsourced to the Company by a party to the transaction agreements as listed in Appendix B of the accompanying Management’s Assertion of Compliance. Servicing criterion 1122(d)(1)(v) is applicable to the activities the Company performs withrespect to the Platform for all transactions 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 CorporationFinance’s *Manual of Publicly Available Interpretations on Regulation AB and Related Rules, Interpretation 11.03*, as applicable, as of and for the twelve months ended December 31, 2015; provided further that, Management hasdetermined that servicing criterion 1122(d)(1)(v) is applicable only to the activities the Company performs related to the mathematically accurate aggregation of information received from servicers and the accurate conveyance of such informationwithin reports to investors. Servicing criterion 1122(d)(4)(iii) is applicable to the activities the Company performs with respect to the Platform only as it relates to the Company’s obligation to report additions, removals or substitutions onreports to investors in accordance with the transaction agreements. With respect to criterion 1122(d)(1)(ii), there were no activities performed during the twelve months ended December 31, 2015 with respect to the Platform, because there wereno occurrences of events that would require the Company to perform such activities. With respect to the transactions listed in Appendix B of the accompanying Management’s Assertion of Compliance, the Company is asserting to compliance withcriteria 1122(d)(1)(v), 1122(d)(3)(i)(A), 1122(d)(3)(i)(B) and 1122(d)(3)(i)(D), as well as 1122(d)(3)(ii), but only as it relates to the allocation of amounts due to investors in accordance with the distribution priority and other terms set forthin the transaction agreements. Management is responsible for the Company’s compliance with the servicing criteria. Our responsibility is to express an opinion on management’s assertion about the Company’s compliance based on ourexamination. 

Our examination was conducted in accordance with the attestation standards of the Public Company AccountingOversight 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 inthe circumstances. Our examination included testing selected asset-backed transactions and securities that comprise the Platform, testing selected servicing activities related to the Platform, and determiningwhether 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 bythe 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 bythe 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 theCompany’s compliance with the servicing criteria. 

In our opinion, management’s assertion that the Company complied with the aforementionedservicing criteria as of and for the twelve months ended December 31, 2015 is fairly stated, in all material respects. 

 
/s/ KPMG LLP
Chicago, Illinois 

February 26, 2016