**Exhibit 34.6**

**Report of Independent Registered Public Accounting Firm**

The Board of Directors 

The Corporate Trust Services division ofWells Fargo Bank, National Association: 

We have examined management’s assessment, included in the accompanying Assessment of Compliance with theApplicable Servicing Criteria, that the Corporate Trust Services division of Wells Fargo Bank, National Association (the “Company”) complied with the servicing criteria set forth in Item 1122(d) of the Securities and ExchangeCommission’s Regulation AB for residential mortgage-backed securities (“RMBS”) transactions backed by pools of residential mortgage loans and/or backed by RMBS, for which the Company providesmaster servicing services and where the RMBS transactions were either (a) publicly issued pursuant to a registration statement under the Securities Act of 1933, as amended, or (b) privately issued pursuant to an exemption from registrationwhere the Company has an obligation under the transaction agreements to deliver an assessment of compliance with the applicable servicing criteria under Item 1122(d) of Regulation AB; provided however that, the platform excludes anytransactions where the offered securities were issued, sponsored and/or guaranteed by any agency or instrumentality of the U.S. government or any government-sponsored entity, other than certain RMBStransactions issued, sponsored and/or guaranteed by the Federal Deposit Insurance Company (the “RMBS Master Servicing Platform”) as of and for the twelve months ended December 31, 2016. Management has determined that all theservicing criteria set forth in Item 1122(d) are applicable to the Company’s obligations in the related transaction agreements with respect to the RMBS Master Servicing Platform as of and for the twelve months ended December 31,2016, except for the following servicing criteria: 1122(d)(3)(i)(C), 1122(d)(4)(i), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(viii), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), 1122(d)(4)(xiii) and 1122(d)(4)(xv),which management has determined are not applicable to the Company’s obligations in the related transaction agreements with respect to the RMBS Master Servicing Platform as of and for the twelve months ended December 31, 2016; providedhowever that, with respect to the RMBS Master Servicing Platform (a) servicing criterion 1122(d)(1)(iii) is applicable only with respect to the Company’s continuing obligation to act as, or appoint, a successor servicer or, if applicable,a back-up servicer under the circumstances set forth in the transaction agreements; (b) servicing criterion 1122(d)(1)(v) is applicable only to the Company’s obligations related to the aggregation ofinformation received and the conveyance of such information, in each case, as required by the transaction agreements; (c) servicing criteria 1122(d)(3)(i)(A),(B) and (D) are applicable only as they relate to the Company’sresponsibility to aggregate and provide loan-level data to the appropriate transaction party in accordance with the transaction agreements; (d) servicing criterion 1122(d)(3)(ii) is applicable only as itrelates to the Company’s obligation to make remittances to various transaction parties in accordance with the timeframes set forth in the transaction agreements; and (e) servicing criterion 1122(d)(4)(iii) is applicable only to theCompany’s obligations related to the process of making or effecting an addition, removal or substitution to the asset pool in accordance with the transaction agreements (the “Applicable Servicing Criteria”). Appendix A to theAssessment of Compliance with the Applicable Servicing Criteria identifies the individual transactions defined by management as constituting the RMBS Master Servicing Platform. Management is responsible for the Company’s compliance with theservicing 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 standards of the Public Company Accounting Oversight Board(United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company’s compliance with the servicingcriteria 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 comprisethe RMBS Master Servicing Platform, testing selected servicing activities related to the RMBS Master Servicing Platform, and determining whether the Company processed those selected transactions and performed those selected activities in compliancewith 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 whethererrors 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 othertransactions. 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. 

In our opinion, management’s assessment that the Company complied with the aforementioned servicing criteria as of and for the twelve months endedDecember 31, 2016 is fairly stated, in all material respects. 

/s/ KPMG LLP 

Chicago, Illinois 

February 23, 2017 

 
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