Exhibit 34.2  LOGO

KPMG LLP
Aon Center Suite 5500
200 E. Randolph Street Chicago, IL 60601-6436 Report of Independent Registered Public Accounting Firm The Board of Directors Wells Fargo Bank, National Association: We have examined managements assertion, included in the accompanying ASSESSMENT OF COMPLIANCE WITH THE APPLICABLE 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 Exchange Commissions Regulation AB (the Servicing
Criteria) for asset-backed securities (ABS) transactions for which the Company provides trustee (except Delaware trustee or owner trustee) and/or paying agent services either itself or through a subservicer engaged to perform such
services on its behalf, or a combination of both, and for which either (i) some or all of the issued securities for such ABS transactions were publicly offered pursuant to a registration statement delivered under the Securities Act of 1933, as
amended, or (ii) the issued securities for such ABS transactions were privately offered pursuant to an exemption from registration and 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 (a) any transactions for which the securities issued are mortgage-backed securities or mortgage-related asset-backed securities
and (b) certain transactions for which the issuing entity has a fiscal year that ends on a date other than the end of the calendar year (the ABS Platform) as of and for the twelve months ended December 31, 2021 (the
Period). The ten-month period from January 1, 2021 to and including October 31, 2021 is referred to herein as the Pre-Sale Period, and
the two-month period from November 1, 2021 to and including December 31, 2021 is referred to herein as the Post-Sale Period. Applicable Servicing Criteria for the Pre-Sale Period: Management has determined that the Servicing Criteria set forth
in Item 1122(d) are applicable to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the Pre-Sale Period, except for the following Servicing Criteria:
1122(d)(1)(v), 1122(d)(2)(iii), 1122(d)(3)(i)(B), 1122(d)(3)(i)(C), 1122(d)(3)(i)(D), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii), 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)(xiv), which management has determined are not applicable to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the
Pre-Sale Period; provided however that, with respect to the ABS Platform (a) Servicing Criterion 1122(d)(3)(i)(A) is applicable only as it relates to the Companys obligation to distribute or make
available to investors, in accordance with the timeframes set forth in the transaction agreements, the relevant investor reports received by the Company from the entity preparing such reports; (b) Servicing Criterion 1122(d)(3)(ii) is
applicable only as it relates to the Companys obligation to make remittances to investors in accordance with the transaction agreements; and (c) Servicing Criterion 1122(d)(4)(iii) is applicable only as it relates to the Companys
obligation to obtain an Officers Certificate from the servicer and report any additions, removals and substitutions to investors on the relevant investor report, in each case, in accordance with the transaction agreements (the Pre-Sale Applicable Servicing Criteria). With respect to Pre-Sale
Applicable Servicing Criteria 1122(d)(1)(ii), 1122(d)(4)(i) and 1122(d)(4)(xv), management has determined that there were no activities performed during the Period with respect to the ABS Platform, because there were no occurrences of events that
would require the Company to perform such activities. Appendix A to the ASSESSMENT OF COMPLIANCE WITH THE APPLICABLE SERVICING CRITERIA identifies the individual asset-backed transactions and securities defined by management as constituting the ABS
Platform.  KPMG LLP, a Delaware limited liability partnership and a member firm of
the KPMG global organization of independent member firms affiliated with
KPMG International Limited, a private English company limited by guarantee.




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LOGO  Applicable Servicing Criteria for the Post-Sale Period: Management has determined that the following
servicing criteria set forth in Item 1122(d) are applicable to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the Post-Sale Period: 1122(d)(1)(ii), 1122(d)(1)(iv), and 1122(d)(2)(vi) (the
Post-Sale Applicable Servicing Criteria, and together with the Pre-Sale Applicable Servicing Criteria, the Applicable Servicing Criteria). 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 with the Applicable Servicing Criteria 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 to obtain reasonable assurance and,
accordingly, included examining, on a test basis, evidence about the Companys compliance with the Applicable Servicing Criteria 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 ABS Platform, testing selected servicing activities related to the ABS Platform, and determining whether the Company processed those selected transactions and performed
those selected activities in compliance with the Applicable 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 Applicable Servicing
Criteria. In our opinion, managements assertion that the Company complied with the aforementioned Pre-Sale Applicable Servicing Criteria during the Pre-Sale Period and the Post-Sale Applicable Servicing Criteria during
the Post-Sale Period as of and for the twelve months ended December 31, 2021 is fairly stated, in all material respects.  LOGO Chicago, Illinois February 21, 2022  2




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LOGO

Wells Fargo Bank, National
Association 600 South 4thStreet Minneapolis, MN 55415 ASSESSMENT OF COMPLIANCE WITH THE APPLICABLE SERVICING CRITERIA The management (Management) of the Corporate Trust Services division of Wells Fargo Bank, National Association (the
Company or Wells Fargo) is responsible for assessing the Companys compliance with the applicable servicing criteria set forth in Item 1122(d) of Regulation AB of the Securities and Exchange Commission.
Management has determined that the servicing criteria are applicable in regard to the servicing platform for the period as follows: Sale of Corporate
Trust Services Business. On March 23, 2021, the Company and certain of its affiliates entered into a definitive agreement with Computershare Trust Company, N.A. (Computershare Trust Company), Computershare Delaware Trust
Company (CDTC) and Computershare Limited (Computershare Limited, collectively with Computershare Trust Company and CDTC, Computershare) to sell substantially all of its Corporate Trust
Services (CTS) division. The sale to Computershare closed on November 1, 2021, and virtually all CTS employees of Wells Fargo, along with most existing CTS systems, technology, and offices transferred to Computershare as part
of the sale. As of December 31, 2021, Wells Fargo has not transferred to Computershare Trust Company its trustee, paying agent, and/or related roles, and the duties, rights, and liabilities for such roles, under the relevant agreements for any
of the ABS Platform transactions. During the Post-Sale Period (defined below), for almost all the ABS Platform transactions1, Wells Fargo engaged Computershare as a subservicer2 to perform most of Wells Fargos servicing activities.3 As a result, Wells Fargo has determined that Computershare is a party participating
in the servicing function with respect to the ABS Platform, and accordingly, Wells Fargo is not taking responsibility for assessing Computershares compliance with the Applicable Servicing Criteria (defined below) relevant to the servicing
activities performed by Computershare for the ABS Platform, as of and for the two months ended December 31, 2021. Period: As of and for the
twelve months ended December 31, 2021 (the Period). The ten-month period from January 1, 2021 to and including October 31, 2021 is referred to herein as the Pre-Sale Period, and the two-month period from November 1, 2021 to and including December 31, 2021 is referred to herein as the Post-Sale
Period.  1
More specifically, the ABS Platform transactions for which Computershare Trust Company acts as agent for Wells
Fargo during the Post-Sale Period, performing most of the obligations related to Wells Fargos appointed role(s) as trustee and/or paying agent, include (a) all ABS Platform transactions that closed prior to November 1, 2021, and
(b) all ABS Platform transactions that closed during the Post-Sale Period; provided, however, that Computershare Trust Company does not act as agent for Wells Fargo on the ABS Platform transactions that terminated in 2021 prior to
November 1, 2021. 2
In this Assessment, the term subservicer means agent. 3
In this Assessment, the term servicing activities means the obligations of Wells Fargo in the ABS
Platform transactions that Computershare Trust Company performed on behalf of Wells Fargo as its agent during the Post-Sale Period pursuant to a servicing agreement between Wells Fargo and Computershare, which obligations relate to certain
Applicable Servicing Criteria.  © 2022 Wells Fargo Bank, N.A. All rights reserved




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Platform: The platform consists of asset-backed securities (ABS) transactions for
which the Company provides trustee (except Delaware trustee or owner trustee) and/or paying agent services, either itself or through a subservicer engaged to perform such services on its behalf, or a combination of both, and for which either
(i) some or all of the issued securities for such ABS transactions were publicly offered pursuant to a registration statement delivered under the Securities Act of 1933, as amended, or (ii) the issued securities for such ABS transactions
were privately offered pursuant to an exemption from registration and 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 (a) any transactions for which the securities issued are mortgage-backed securities or mortgage-related asset-backed securities and (b) certain transactions for which the issuing entity has a
fiscal year that ends on a date other than the end of the calendar year (the ABS Platform). Appendix A identifies the individual transactions defined by Management as constituting the ABS Platform for the Period. Applicable Servicing Criteria for the Pre-Sale Period: All servicing criteria set forth in Item 1122(d)
applicable to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the Pre-Sale Period, except for the following servicing criteria: 1122(d)(1)(v),
1122(d)(2)(iii), 1122(d)(3)(i)(B), 1122(d)(3)(i)(C), 1122(d)(3)(i)(D), 1122(d)(4)(ii), 1122(d)(4)(iv), 1122(d)(4)(v), 1122(d)(4)(vi), 1122(d)(4)(vii), 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)(xiv), which Management has determined are not applicable to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the Pre-Sale Period;
provided however that, with respect to the ABS Platform (a) servicing criterion 1122(d)(3)(i)(A) is applicable only as it relates to the Companys obligation to distribute or make available to investors, in accordance with the timeframes
set forth in the transaction agreements, the relevant investor reports received by the Company from the entity preparing such reports; (b) servicing criterion 1122(d)(3)(ii) is applicable only as it relates to the Companys obligation to
make remittances to investors in accordance with the transaction agreements; and (c) servicing criterion 1122(d)(4)(iii) is applicable only as it relates to the Companys obligation to obtain an Officers Certificate from the servicer
and report any additions, removals and substitutions to investors on the relevant investor report, in each case, in accordance with the transaction agreements (the Pre-Sale Applicable Servicing
Criteria). Applicable Servicing Criteria for the Post-Sale Period: The following servicing criteria set forth in Item 1122(d) applicable
to the Companys obligations in the related transaction agreements with respect to the ABS Platform for the Post-Sale Period: 1122(d)(1)(ii), 1122(d)(1)(iv), and 1122(d)(2)(vi) (the Post-Sale Applicable Servicing Criteria,
and together with the Pre-Sale Applicable Servicing Criteria, the Applicable Servicing Criteria). With respect to the ABS Platform and the Period, Management provides the following assessment of the Companys compliance with respect to the Applicable
Servicing Criteria: 1. Management is responsible for assessing the Companys compliance with the Applicable Servicing Criteria. 2. Management has assessed the Companys compliance with the Applicable Servicing Criteria. In performing this assessment, Management used the criteria
set forth by the Securities and Exchange Commission in paragraph (d) of Item 1122 of Regulation AB. 3. With respect to
Pre-Sale Applicable Servicing Criteria 1122(d)(1)(ii), 1122(d)(4)(i), and 1122(d)(4)(xv), Management has determined that there were no activities performed during the
Pre-Sale Period with respect to the ABS Platform, because there were no occurrences of events that would require the Company to perform such activities. 4. Based on such assessment for the Period, the Company has complied in all material respects with the
(i) Pre-Sale Applicable Servicing Criteria for the Pre-Sale Period, and (ii) the Post-Sale Applicable Servicing Criteria for the Post-Sale Period.  2




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KPMG LLP, an independent registered public accounting firm, has issued an attestation report with respect to
Managements assessment of the Companys compliance with the Applicable Servicing Criteria for the Period.  WELLS FARGO BANK, National AssociationBy:

/s/ Robin A. PhelanRobin A. PhelanTitle:

Vice PresidentDated:

February 21, 2022
  3




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Appendix A to the Companys Assessment of Compliance with the Applicable Servicing
Criteria  ABS Platform
TransactionsWells Fargo Deal Identifier

Long NameAMOT181

Ally Master Owner Trust 2018-1AMOT182

Ally Master Owner Trust 2018-2AMOT184

Ally Master Owner Trust 2018-4BANKONESER1

Chase Issuance TrustCARVANA2020P1

Carvana Auto Receivables Trust 2020-P1CARVANA2021N1

Carvana Auto Receivables Trust 2021-N1CARVANA2021N2

Carvana Auto Receivables Trust 2021-N2CARVANA2021N3

Carvana Auto Receivables Trust 2021-N3CARVANA2021N4

Carvana Auto Receivables Trust 2021-N4CARVANA2021P1

Carvana Auto Receivables Trust 2021-P1CARVANA2021P2

Carvana Auto Receivables Trust 2021-P2CARVANA2021P3

Carvana Auto Receivables Trust 2021-P3CITEL051

CIT Education Loan Trust 2005-1EART203

Exeter Automobile Receivables Trust 2020-3EART212

Exeter Automobile Receivables Trust 2021-2GMALT183

GM Financial Automobile Leasing Trust 2018-3GMALT191

GM Financial Automobile Leasing Trust 2019-1GMALT192

GM Financial Automobile Leasing Trust 2019-2GMALT193

GM Financial Automobile Leasing Trust 2019-3GMALT201

GM Financial Automobile Leasing Trust 2020-1GMALT202

GM Financial Automobile Leasing Trust 2020-2GMALT203

GM Financial Automobile Leasing Trust 2020-3GMALT211

GM Financial Automobile Leasing Trust 2021-1GMALT212

GM Financial Automobile Leasing Trust 2021-2GMALT213

GM Financial Automobile Leasing Trust 2021-3GMCAR181

GM Financial Consumer Automobile Receivables Trust 2018-1GMCAR182

GM Financial Consumer Automobile Receivables Trust 2018-2GMCAR193

GM Financial Consumer Automobile Receivables Trust 2019-3GMCAR194

GM Financial Consumer Automobile Receivables Trust 2019-4GMCAR203

GM Financial Consumer Automobile Receivables Trust 2020-3GMCAR204

GM Financial Consumer Automobile Receivables Trust 2020-4GREENTREE961

Green Tree Manufactured Housing Contract Senior/Subordinate Pass-Through Certificates, Series 1996-1GREENTREE962

Green Tree Manufactured Housing Contract Senior/Subordinate Pass-Through Certificates, Series 1996-2NAVIENT151

Navient Student Loan Trust 2015-1NAVIENT152

Navient Student Loan Trust 2015-2NAVIENT153

Navient Student Loan Trust 2015-3NSLT043

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2004-3NSLT044

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2004-4NSLT051

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-1NSLT052

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-2NSLT053

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-3NSLT054

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2005-4NSLT061

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-1NSLT062

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-2NSLT063

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2006-3NSLT071

Nelnet Student Loan Trust Student Loan Asset Backed Notes Series 2007-1OAKWOOD2000C

Oakwood Mortgage Investors 2000-C Senior/Subordinate Pass-Through CertificatesOAKWOOD2000D

Oakwood Mortgage Investors Series 2000-D Senior/Subordinate Pass-Through CertificatesSDART163

Santander Drive Auto Receivables Trust 2016-3SDART171

Santander Drive Auto Receivables Trust 2017-1SDART172

Santander Drive Auto Receivables Trust 2017-2SDART173

Santander Drive Auto Receivables Trust 2017-3SDART181

Santander Drive Auto Receivables Trust 2018-1SDART182

Santander Drive Auto Receivables Trust 2018-2SDART183

Santander Drive Auto Receivables Trust 2018-3SDART184

Santander Drive Auto Receivables Trust 2018-4SDART185

Santander Drive Auto Receivables Trust 2018-5SDART191

Santander Drive Auto Receivables Trust 2019-1SDART192

Santander Drive Auto Receivables Trust 2019-2SDART193

Santander Drive Auto Receivables Trust 2019-3SDART201

Santander Drive Auto Receivables Trust 2020-1SDART202

Santander Drive Auto Receivables Trust 2020-2SDART203

Santander Drive Auto Receivables Trust 2020-3SDART204

Santander Drive Auto Receivables Trust 2020-4SDART211

Santander Drive Auto Receivables Trust 2021-1   Appendix A-1