**UNITED STATESSECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON,D.C. 20549**

**FORM 10‐K**

 (Mark one)

**/X/ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934**

**    For the fiscal year endedDecember 31, 2021 OR**

**//TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934**

**For the transition period from****            ****to****            **

 

 

 

**Commission file number:333-227446-06**

 

**Central Index Key Number of the issuing entity:****0001784958**

 

**BANK 2019-BNK20**

**(exact name of issuing entity as specified in itscharter)**

 

**Central Index Key Number of the depositor:0001547361**

 

**Morgan Stanley Capital I Inc.**

**(exact name of the depositor as specified in itscharter)**

 

**Central Index Key Number of the sponsor:****0001102113**

 

**Bank of America, NationalAssociation**

**(exact name of the sponsor as specified in its charter)**

** **

**Central Index Key Number of the sponsor:0001541557**

 

**Morgan Stanley MortgageCapital Holdings LLC**

**(exact name of the sponsor as specified in its charter)**

  

**Central Index Key Number of the sponsor:****0000740906**

 

**Wells Fargo Bank, National Association**

**(exact name of the sponsor as specified in its charter)**

 

**Central Index Key Number of the sponsor:****0001577313**

 

**National Cooperative Bank,N.A.**

**(exact name of the sponsor as specified in its charter)**

 

| **New York**                                                        | **38-4123673**

**38-4123674**

**38-7221365** |
|---------------------------------------------------------------------|------------------------------------------------|
| **(State or other jurisdiction of incorporation or  organization)** | **(I.R.S. Employer Identification Numbers)**   |

 

**c/o Wells Fargo Bank, N.A.**

**9062 Old Annapolis Road**

** Columbia, MD**

**(Address of principal executive offices)**

 

**21045**

**(Zip Code)**

 

**Telephone number, including area code:**

**(410) 884‐2000**

Securitiesregistered pursuant to Section 12(b) of the Act:

 

| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
|---------------------|-------------------|-------------------------------------------|
| None                |              |                                      |

 

 

Securitiesregistered pursuant to Section 12(g) of the Act:

 

  NONE.

 

Indicateby check mark if the registrant is a well-known seasoned issuer, as defined in Rule405 of the Securities Act.

 

  Yes___ No X

 

Indicateby check mark if the registrant is not required to file reports pursuant toSection 13 or Section 15(d) of the Act.

 

  Yes___ No X

 

Note- Checking the box above will not relieve any registrant required to filereports pursuant to Section 13 or 15(d) of the Exchange Act from theirobligations under those Sections.

 

Indicate by check mark whether the registrant (1) has filed all reports requiredto be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934during the preceding 12 months (or for such shorter period that the registrantwas required to file such reports), and (2) has been subject to such filingrequirements for the past 90 days.

 

  YesX No ___

 

Indicateby check mark whether the registrant has submitted electronically everyInteractive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (Section 232.405 of this chapter) during the preceding 12 months(or for such shorter period that the registrant was required to submit suchfiles).

 

  Notapplicable.

 

Indicateby check mark whether the registrant is a large accelerated filer, anaccelerated filer, a non-accelerated filer, a smaller reporting company, oremerging growth company. See the definitions of "large acceleratedfiler", "accelerated filer," "smaller reportingcompany," and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

 Largeaccelerated filer ___ Accelerated filer ___ Non-accelerated filer X (Do not check if a smaller reporting company)Smaller reporting company ___

 

Emerginggrowth company ___

 

Ifan emerging growth company, indicate by check mark if the registrant haselected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) ofthe Ex­change Act.

 

  Notapplicable.

 

Indicateby check mark whether the registrant has filed a report on and attestation toits management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.7262(b)) by the registered public accounting firm that prepared or issued itsaudit report.

 

 Not applicable.

 

Indicateby check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act).

 

  Yes___ No X

 

Statethe aggregate market value of the voting and non-voting common equity held bynon-affiliates computed by reference to the price at which the common equitywas last sold, or the average bid and asked price of such common equity, as ofthe last business day of the registrant's most recently completed second fiscalquarter.

 

  Notapplicable.

 

Indicateby check mark whether the registrant has filed all documents and reportsrequired to be filed by Section 12, 13 or 15(d) of the Securities Exchange Actof 1934 subsequent to the distribution of securities under a plan confirmed bya court.

 

  Notapplicable.

 

Indicatethe number of shares outstanding of each of the registrant's classes of commonstock, as of the latest practicable date.

 

  Notapplicable.

 

DOCUMENTSINCORPORATED BY REFERENCE

 

Listhereunder the following documents if incorporated by reference and the Part ofthe Form 10-K (e.g., Part I, Part II, etc.) into which the document isincorporated: (1)Any annual report to security holders; (2) Any proxy orinformation statement; and (3)Any prospectus filed pursuant to Rule 424(b) or(c) under the Securities Act of 1933. The listed documents should be clearlydescribed for identification purposes (e.g., annual report to security holdersfor fiscal year ended December 24, 1980).

 

  Notapplicable.

 

**EXPLANATORY NOTES**

 

The BANK 2019-BNK20 mortgage pool includesthe following mortgage loans, each of which is serviced pursuant to a separatepooling and servicing agreement (each, an “Outside Pooling and ServicingAgreement”):

 

•   the Grand Canal Shoppesmortgage loan and the Legacy Tower mortgage loan, which are serviced pursuantto the MSC 2019-H7 pooling and servicing agreement attached hereto as Exhibit4.2; and

  

•   the Park Tower at Transbaymortgage loan, which is serviced pursuant to the BANK 2019-BNK21 pooling andservicing agreement attached hereto as Exhibit 4.3.

 

Except as set forth below, each of theparties to each pooling and servicing agreement listed in the Exhibit Indexboth (1) participates in the servicing function for purposes of Item 1122 ofRegulation AB and (2) constitutes a servicer that meets the criteria in Item1108(a)(2)(i) through (iii) of Regulation AB for purposes of Item 1123 ofRegulation AB:

 

•   The trustee under a poolingand servicing agreement has a nominal role with respect to the mortgage poolsecuritized pursuant to such pooling and servicing agreement.  Thetrustee’s only servicing function is the contingent obligation to make certainadvances if the master servicer under such pooling and servicing agreementfails to do so, while all other servicing functions are performed by otherparties.  The trustee under each of the pooling and servicing agreementslisted in the Exhibit Index has confirmed to the registrant that it has notmade any such contingent advances during the reporting period, andconsequently, each such trustee does not participate in the servicing functionfor purposes of Item 1122 of Regulation AB, nor does it perform the functionsof a servicer for purposes of the definition of “servicer” under Item 1101 ofRegulation AB or for purposes of Item 1123 of Regulation AB.

 

•   The certificate administratorunder a pooling and servicing agreement performs various payment administrationfunctions solely for the securitization governed by such pooling and servicingagreement and the mortgage pool securitized pursuant to such pooling andservicing agreement and does not have any obligations with respect to any othertransaction.  Consequently, the certificate administrator under an OutsidePooling and Servicing Agreement does not participate in the servicing functionfor purposes of Item 1122 of Regulation AB, nor does it perform the functionsof a servicer for purposes of the definition of “servicer” under Item 1101 ofRegulation AB or for purposes of Item 1123 of Regulation AB.

 

•   The operating advisor under apooling and servicing agreement represents the interests of seniorcertificateholders in the transaction governed by such pooling and servicingagreement and is responsible for monitoring the performance of the specialservicer under such pooling and servicing agreement and producing certainreports to certificateholders relating to the resolution of the mortgage poolsecuritized pursuant to such pooling and servicing agreement.  The operatingadvisor under a pooling and servicing agreement does not have any obligationswith respect to any other transaction and is solely obligated to perform loanreporting functions with respect to the securitization governed by such poolingand servicing agreement.  Consequently, the operating advisor under anOutside Pooling and Servicing Agreement neither participates in the servicingfunction for purposes of Item 1122 of Regulation AB nor performs the functionsof a servicer for purposes of the definition of “servicer” under Item 1101 ofRegulation AB or for purposes of Item 1123 of Regulation AB.  In addition,while the operating advisor under a pooling and servicing agreement has certainreporting obligations in respect of the related mortgage pool, it has noobligation to collect or disburse funds in respect of the mortgage pool or toadminister any of the underlying mortgage loans.  Consequently, theoperating advisor under a pooling and servicing agreement participates in theservicing function for purposes of Item 1122 of Regulation AB, but is notresponsible for the “management or collection of the pool assets or makingallocations or distributions to holders of the asset-backed securities” withinthe meaning of “servicer” under Item 1101 of Regulation AB and does not performthe functions of a servicer for purposes of Item 1123 of Regulation AB. 

 

•   The asset representations reviewer under a poolingand servicing agreement has a limited obligation to review certain delinquentmortgage loans after a specified delinquency threshold has been met and therequired percentage of certificateholders vote to direct a review of suchdelinquent mortgage loans, and has no obligation to collect or disburse fundsin respect of the mortgage pool, to administer any of the underlying mortgageloans or to perform any servicing function.  Consequently, the assetrepresentations reviewer under a pooling and servicing agreement does notparticipate in the servicing function for purposes of Item 1122 of RegulationAB, is not responsible for the “management or collection of the pool assets ormaking allocations or distributions to holders of the asset-backed securities”within the meaning of “servicer” under Item 1101 of Regulation AB and does notperform the functions of a servicer for purposes of Item 1123 of Regulation AB.

•   Midland Loan Services, aDivision of PNC Bank, National Association is the master servicer under the MSC2019-H7 pooling and servicing agreement, pursuant to which the Grand CanalShoppes mortgage loan and the Legacy Tower mortgage loan are serviced. Because Midland Loan Services, a Division of PNC Bank, National Association isnot the BANK 2019-BNK20 master servicer, is not affiliated with any sponsor andservices only the Grand Canal Shoppes mortgage loan and the Legacy Towermortgage loan, which collectively constitute less than 5% of the mortgage pool,Midland Loan Services, a Division of PNC Bank, National Association, as MSC2019-H7 master servicer, does not constitute a reporting “servicing functionparticipant” for purposes of Item 1122 of Regulation AB, as specified in theInstruction 3 to Item 1122, and does not constitute a reporting “servicer” forpurposes of Item 1123 of Regulation AB, as specified in the Instruction to Item1123.

 

•   Rialto Capital Advisors, LLCis the special servicer under the BANK 2019-BNK21 pooling and servicingagreement, pursuant to which the Park Tower at Transbay mortgage loan isserviced.  Because Rialto Capital Advisors, LLC is not the BANK 2019-BNK21special servicer, is not affiliated with any sponsor and services only the ParkTower at Transbay mortgage loan, which constitutes more than 5% but less than10% of the mortgage pool, Rialto Capital Advisors, LLC, as BANK 2019-BNK21special servicer, constitutes a reporting “servicing function participant” forpurposes of Item 1122 of Regulation AB, as specified in the Instruction 3 toItem 1122, but does not constitute a reporting “servicer” for purposes of Item1123 of Regulation AB, as specified in the Instruction to Item 1123.

 

•   ArgenticServices Company LP is the current special servicer under the MSC 2019-H7pooling and servicing agreement, with respect to the Legacy Tower mortgageloan. On May 6, 2020, LNR Partners, LLC was replaced as special servicer underthe MSC 2019-H7 pooling and servicing agreement and succeeded by ArgenticServices Company LP.   Because ArgenticServices Company LP is not the BANK 2019-BNK20 special servicer, is notaffiliated with any sponsor and services only the LegacyTower mortgage loan, which constitutes less than 5% of the mortgagepool, Argentic Services Company LP, as MSC 2019-H7 special servicer, does not constitute areporting “servicing function participant” for purposes of Item 1122 ofRegulation AB, as specified in the Instruction 3 to Item 1122, and does notconstitute a reporting “servicer” for purposes of Item 1123 of Regulation AB,as specified in the Instruction to Item 1123.

•   SitusHoldings, LLC is the current special servicer under the MSC 2019-H7 pooling andservicing agreement, with respect to the Grand Canal Shoppes mortgage loan. OnJune 15, 2020, LNR Partners, LLC was replaced as special servicer under the MSC2019-H7 pooling and servicing agreement with respect to the Grand Canal Shoppesmortgage loan and succeeded by Situs Holdings, LLC.   Because Situs Holdings, LLC is not the BANK 2019-BNK20 specialservicer, is not affiliated with any sponsor and services only the Grand Canal Shoppes mortgage loan, which constitutes lessthan 5% of the mortgage pool, Situs Holdings, LLC,as MSC 2019-H7 special servicer with respect tothe Grand Canal Shoppes mortgage loan, does not constitute a reporting“servicing function participant” for purposes of Item 1122 of Regulation AB, asspecified in the Instruction 3 to Item 1122, and does not constitute areporting “servicer” for purposes of Item 1123 of Regulation AB, as specifiedin the Instruction to Item 1123.

•   LNRPartners, LLC is the current special servicer under the BANK 2019-BNK20 poolingand servicing agreement. On July 13, 2021, Midland Loan Services, a Division ofPNC Bank, National Association was replaced as special servicer under the BANK2019-BNK20 pooling and servicing agreement and was succeeded by LNR Partners,LLC.

•   NationalTax Search, LLC merged into CoreLogic Solutions, LLC in 2021.  CoreLogicSolutions, LLC’s report on assessment of compliance with servicing criteria andregistered public accounting firm attestation report, in each case providedpursuant to Item 1122 of Regulation AB, also relate to National Tax Search,LLC’s platform for the reporting period.

 In addition, each of the followingparties engaged the services of certain servicing function participants andsub-servicers for the reporting period, as set forth below:

 

•  Wells Fargo Bank, NationalAssociation, as master servicer, engaged the services of CoreLogic Solutions,LLC and National Tax Search, LLC, in each case as a servicing functionparticipant in respect of the entire mortgage pool for the reporting period.

 

•   Wells Fargo Bank, NationalAssociation, as master servicer under the BANK 2019-BNK21 pooling and servicingagreement, pursuant to which the Park Tower at Transbay mortgage loan isserviced, engaged the services of CoreLogic Solutions, LLC and National TaxSearch, LLC, in each case as a servicing function participant in respect of thePark Tower at Transbay mortgage loan for the reporting period.

 

•   On November 1, 2021, pursuantto the second amended and restated servicing agreement attached hereto asExhibit 99.14, Computershare Trust Company, National Association was engaged toperform all or virtually all of Wells Fargo Bank, National Association’s rolesas certificate administrator, custodian and trustee, as applicable, under (i)the pooling and servicing agreement and (ii) each Outside Pooling and ServicingAgreement.

 

 

| **PART I**   |                            |
|-------------------|---------------------------------|
|              |                            |
| **Item 1.**  | **Business.**                   |
|              | Omitted.                        |
| **Item 1A.** | **Risk Factors.**          |
|              | Omitted.                        |
| **Item 1B.** | **Unresolved Staff  Comments.** |
|              | None.                           |
| **Item 2.**  | **Properties.**                 |
|              | Omitted.                        |
| **Item 3.**  | **Legal Proceedings.**     |
|              | Omitted.                        |
| **Item 4.**  | **Mine Safety Disclosures.**    |
|              | Omitted.                        |
|              |                            |   |

 

| **PART II**  |                                                                                                                |
|-------------------|---------------------------------------------------------------------------------------------------------------------|
|              |                                                                                                                |
| **Item 5.**  | **Market for Registrant's  Common Equity, Related Stockholder Matters and Issuer Purchases of Equity  Securities.** |
|              | Omitted.                                                                                                            |
| **Item 6.**  | **Selected Financial Data.**                                                                                        |
|              | Omitted.                                                                                                            |
| **Item 7.**  | **Management's Discussion  and Analysis of Financial Condition and Results of Operations.**                         |
|              | Omitted.                                                                                                            |
| **Item 7A.** | **Quantitative and  Qualitative Disclosures About Market Risk.**                                                    |
|              | Omitted.                                                                                                            |
| **Item 8.**  | **Financial Statements and  Supplementary Data.**                                                                   |
|              | Omitted.                                                                                                            |
| **Item 9.**  | **Changes in and  Disagreements With Accountants on Accounting and Financial Disclosure.**                          |
|              | Omitted.                                                                                                            |
| **Item 9A.** | **Controls and Procedures.**                                                                                        |
|              | Omitted.                                                                                                            |
| **Item 9B.** | **Other Information.**                                                                                         |
|              | None.                                                                                                               |
|              |                                                                                                                |   |

 

| **PART III** |                                                                                                 |
|-------------------|------------------------------------------------------------------------------------------------------|
|              |                                                                                                 |
| **Item 10.** | **Directors, Executive  Officers and Corporate Governance.**                                         |
|              | Omitted.                                                                                             |
| **Item 11.** | **Executive Compensation.**                                                                          |
|              | Omitted.                                                                                             |
| **Item 12.** | **Security Ownership of Certain  Beneficial Owners and Management and Related Stockholder Matters.** |
|              | Omitted.                                                                                             |
| **Item 13.** | **Certain Relationships and  Related Transactions, and Director Independence.**                      |
|              | Omitted.                                                                                             |
| **Item 14.** | **Principal Accountant Fees  and Services.**                                                         |
|              | Omitted.                                                                                             |
|              |                                                                                                 |   |

 

**ADDITIONALDISCLOSURE ITEMS FOR REGULATION AB**

 

**Item1112(b) of Regulation AB, Significant Obligor Financial Information.**

 

Notapplicable.

 

**Item1114(b)(2) of Regulation AB, Significant Enhancement Provider FinancialInformation.**

 

No entityor group of affiliated entities provides any enhancement or other support forthe certificates as described under Item 1114 (a) of Regulation AB.

 

**Item1115(b) of Regulation AB, Certain Derivatives Instruments (FinancialInformation).**

 

Noentity or group of affiliated entities provides any derivative instruments forthe certificates as described under Item 1115 of Regulation AB.

 

**Item1117 of Regulation AB, Legal Proceedings.**

 

Theregistrant knows of no legal proceeding pending against the sponsors,depositor, trustee, issuing entity, servicer contemplated by Item 1108(a)(3) ofRegulation AB, originator contemplated by Item 1110(b) of Regulation AB, orother party contemplated by Item 1100(d)(1) of Regulation AB, or of which anyproperty of the foregoing is the subject, that is material to security holders,other than as follows:

 

InDecember 2014, Phoenix Light SF Limited and certain related entities and theNational Credit Union Administration (NCUA) filed complaints in the UnitedStates District Court for the Southern District of New York against Wells FargoBank, alleging claims against Wells Fargo Bank in its capacity as trustee for anumber of residential mortgage-backed securities trusts. Complaints raisingsimilar allegations have been filed by Commerzbank AG in the Southern Districtof New York and by IKB International and IKB Deutsche Industriebank in New Yorkstate court. In each case, the plaintiffs allege that Wells Fargo Bank, astrustee, caused losses to investors, and plaintiffs assert causes of actionbased upon, among other things, the trustee’s alleged failure to notify andenforce repurchase obligations of mortgage loan sellers for purported breachesof representations and warranties, notify investors of alleged events of default,and abide by appropriate standards of care following alleged events of default.Wells Fargo Bank previously settled two class action lawsuits with similarallegations that were filed in November 2014 and December 2016 by institutionalinvestors in the Southern District of New York and New York state court,respectively. In addition, Park Royal I LLC and Park Royal II LLC have filedcomplaints in New York state court alleging Wells Fargo Bank, N.A., as trustee,failed to take appropriate actions upon learning of defective mortgage loandocumentation. In March 2021, the Company entered into an agreement to resolvethe case filed by the NCUA.

 

Inaddition to the foregoing cases, in August 2014 and August 2015 Nomura Credit& Capital Inc. (“Nomura”) and Natixis Real Estate Holdings, LLC (“Natixis”)filed a total of seven third-party complaints against Wells Fargo Bank in NewYork state court. In the underlying first-party actions, Nomura and Natixishave been sued for alleged breaches of representations and warranties made inconnection with residential mortgage-backed securities sponsored by them. Inthe third-party actions, Nomura and Natixis allege that Wells Fargo Bank, asmaster servicer, primary servicer or securities administrator, failed to notifyNomura and Natixis of their own breaches, failed to properly oversee theprimary servicers, and failed to adhere to accepted servicing practices.Natixis additionally alleges that Wells Fargo Bank failed to perform defaultoversight duties. Wells Fargo Bank has asserted counterclaims alleging thatNomura and Natixis failed to provide Wells Fargo Bank notice of theirrepresentation and warranty breaches.

 

Withrespect to each of the foregoing litigations, Wells Fargo Bank believesplaintiffs' claims are without merit and intends to contest the claimsvigorously, but there can be no assurances as to the outcome of the litigationsor the possible impact of the litigations on Wells Fargo Bank or the relatedRMBS trusts.

 

**Item1119 of Regulation AB, Affiliations and Certain Relationships and RelatedTransactions.**

 

Theinformation regarding this Item has been provided previously in an annualreport on Form 10-K of the issuing entity or in the prospectus of the issuingentity filed in a 424(b)(2) filing dated September 26, 2019.

 

**Item1122 of Regulation AB, Compliance with Applicable Servicing Criteria.**

 

Thereports on assessment of compliance with the servicing criteria forasset-backed securities and the related attestation reports on such assessmentsof compliance are attached hereto under Item 15.

 

**Item1123 of Regulation AB, Servicer Compliance Statement.**

 

Theservicer compliance statements are attached hereto under Item 15.

 

**PART IV**

 

**Item15. Exhibits, Financial Statement Schedules.**

 

(a) Exhibits.

 

(4.1)Pooling and Servicing Agreement, dated as of September1, 2019, between Morgan Stanley Capital I Inc., as depositor, Wells Fargo Bank,National Association, as general master servicer, Midland Loan Services, aDivision of PNC Bank, National Association, as general special servicer,National Cooperative Bank, N.A., as NCB master servicer and as NCB specialservicer, Wells Fargo Bank, National Association, as certificate administrator,Wilmington Trust, National Association, as trustee, and Park Bridge LenderServices LLC, as operating advisor and as asset representations reviewer (filedas Exhibit 4.1 to the registrant's Current Report on Form 8-K filed onSeptember 26, 2019 under SEC File No. 333-227446-06 and incorporated byreference herein).

 

(4.2)  Pooling and Servicing Agreement, dated as of July 1,2019, between Morgan Stanley Capital I Inc., as depositor, Midland LoanServices, a Division of PNC Bank, National Association, as master servicer, LNRPartners, LLC, as special servicer, Wells Fargo Bank, National Association, ascertificate administrator and trustee, and Pentalpha Surveillance LLC, asoperating advisor and as asset representations reviewer, relating to the MSC2019-H7 securitization transaction, pursuant to which the Grand Canal ShoppesMortgage Loan and the Legacy Tower Mortgage Loan are serviced (filed as Exhibit4.2 to the registrant's Current Report on Form 8-K filed on September 26, 2019under SEC File No. 333-227446-06 and incorporated by reference herein).

 

(4.3)Pooling and Servicing Agreement, dated as of October 1,2019, between Banc of America Merrill Lynch Commercial Mortgage Inc., asdepositor, Wells Fargo Bank, National Association, as master servicer, RialtoCapital Advisors, LLC, as special servicer, Park Bridge Lender Services LLC, asoperating advisor and as asset representations reviewer, Wells Fargo Bank,National Association, as certificate administrator, and Wilmington Trust,National Association, as trustee, relating to the BANK 2019-BNK21securitization transaction, pursuant to which the Park Tower at TransbayMortgage Loan is serviced (filed as Exhibit 4.3 to the registrant's CurrentReport on Form 8-K filed on October 28, 2019 under SEC File No. 333-227446-06and incorporated by reference herein).

 

(31)  Rule13a-14(d)/15d-14(d) Certification.

 

(33)  Reports on assessment ofcompliance with servicing criteria for asset-backed securities.

 

33.1 Wells Fargo Bank, National Association, as CertificateAdministrator

 

33.2 Computershare Trust Company, National Association, asServicing Function Participant for the Certificate Administrator (from 11/1/21to 12/31/21)

 

33.3 Wells Fargo Bank, National Association, as Custodian

 

33.4 Computershare Trust Company, National Association, as ServicingFunction Participant for the Custodian (from 11/1/21 to 12/31/21)

 

33.5  Wells Fargo Bank, National Association, as MasterServicer

 

33.6  National Cooperative Bank, N.A., as NCB MasterServicer

 

33.7  LNR Partners, LLC, as Special Servicer (from 7/13/21to 12/31/21)

 

33.8  Midland Loan Services, a Division of PNC Bank, NationalAssociation, as Special Servicer (from 1/1/21 to 7/12/21)

 

33.9  National Cooperative Bank, N.A., as NCB SpecialServicer (see Exhibit 33.6)

 

33.10  Park Bridge Lender Services LLC, as Operating Advisor

 

33.11  CoreLogic Solutions, LLC, as Servicing FunctionParticipant

 

33.12  Wells Fargo Bank, National Association, as MasterServicer under the BANK 2019-BNK21 securitization, pursuant to which thefollowing mortgage loans were serviced by such party: Park Tower at Transbay(from 1/1/21 to 12/31/21) (see Exhibit 33.5)

 

33.13  CoreLogic Solutions, LLC, as Servicing Function Participantunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21) (see Exhibit 33.11)

 

33.14  Rialto Capital Advisors, LLC, as Special Servicerunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21)

 

33.15  Wells Fargo Bank, National Association, as Custodianunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21) (see Exhibit 33.3)

 

33.16  Computershare Trust Company, National Association, asServicing Function Participant under the BANK 2019-BNK21 securitization,pursuant to which the following mortgage loans were serviced by such party:Park Tower at Transbay (from 11/1/21 to 12/31/21) (see Exhibit 33.4)

 

33.17  Wells Fargo Bank, National Association, as Custodianunder the MSC 2019-H7 securitization, pursuant to which the following mortgageloans were serviced by such party: Grand Canal Shoppes (from 1/1/21 to12/31/21) and Legacy Tower (from 1/1/21 to 12/31/21) (see Exhibit 33.3)

 

33.18  Computershare Trust Company, National Association, asServicing Function Participant under the MSC 2019-H7 securitization, pursuantto which the following mortgage loans were serviced by such party: Grand CanalShoppes (from 11/1/21 to 12/31/21) and Legacy Tower (from 11/1/21 to 12/31/21)(see Exhibit 33.4)

 

(34). Attestation reports on assessment ofcompliance with servicing criteria for asset-backed securities.

 

34.1 Wells Fargo Bank, National Association, as CertificateAdministrator

 

34.2 Computershare Trust Company, National Association, as ServicingFunction Participant for the Certificate Administrator (from 11/1/21 to12/31/21)

 

34.3 Wells Fargo Bank, National Association, as Custodian

 

34.4 Computershare Trust Company, National Association, asServicing Function Participant for the Custodian (from 11/1/21 to 12/31/21)

 

34.5  Wells Fargo Bank, National Association, as MasterServicer

 

34.6  National Cooperative Bank, N.A., as NCB MasterServicer

 

34.7  LNR Partners, LLC, as Special Servicer (from 7/13/21to 12/31/21)

 

34.8  Midland Loan Services, a Division of PNC Bank,National Association, as Special Servicer (from 1/1/21 to 7/12/21)

 

34.9  National Cooperative Bank, N.A., as NCB SpecialServicer (see Exhibit 34.6)

 

34.10  Park Bridge Lender Services LLC, as Operating Advisor

 

34.11  CoreLogic Solutions, LLC, as Servicing FunctionParticipant

 

34.12  Wells Fargo Bank, National Association, as Master Servicerunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21) (see Exhibit 34.5)

 

34.13  CoreLogic Solutions, LLC, as Servicing FunctionParticipant under the BANK 2019-BNK21 securitization, pursuant to which thefollowing mortgage loans were serviced by such party: Park Tower at Transbay(from 1/1/21 to 12/31/21) (see Exhibit 34.11)

 

34.14  Rialto Capital Advisors, LLC, as Special Servicerunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21)

 

34.15  Wells Fargo Bank, National Association, as Custodianunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21) (see Exhibit 34.3)

 

34.16  Computershare Trust Company, National Association, asServicing Function Participant under the BANK 2019-BNK21 securitization,pursuant to which the following mortgage loans were serviced by such party:Park Tower at Transbay (from 11/1/21 to 12/31/21) (see Exhibit 34.4)

 

34.17  Wells Fargo Bank, National Association, as Custodianunder the MSC 2019-H7 securitization, pursuant to which the following mortgageloans were serviced by such party: Grand Canal Shoppes (from 1/1/21 to12/31/21) and Legacy Tower (from 1/1/21 to 12/31/21) (see Exhibit 34.3)

 

34.18  Computershare Trust Company, National Association, asServicing Function Participant under the MSC 2019-H7 securitization, pursuantto which the following mortgage loans were serviced by such party: Grand CanalShoppes (from 11/1/21 to 12/31/21) and Legacy Tower (from 11/1/21 to 12/31/21)(see Exhibit 34.4)

 

(35). Servicer compliance statement.

 

35.1 Wells Fargo Bank, National Association, as CertificateAdministrator

 

35.2 Computershare Trust Company, National Association, asServicing Function Participant for the Certificate Administrator (from 11/1/21to 12/31/21)

 

35.3 Wells Fargo Bank, National Association, as Custodian

 

35.4 Computershare Trust Company, National Association, asServicing Function Participant for the Custodian (from 11/1/21 to 12/31/21)

 

35.5 Wells FargoBank, National Association, as Master Servicer

 

35.6 NationalCooperative Bank, N.A., as NCB Master Servicer

 

35.7 LNR Partners,LLC, as Special Servicer (from 7/13/21 to 12/31/21)

 

35.8 Midland LoanServices, a Division of PNC Bank, National Association, as Special Servicer(from 1/1/21 to 7/12/21)

 

35.9 NationalCooperative Bank, N.A., as NCB Special Servicer (see Exhibit 35.6)

 

35.10 Wells FargoBank, National Association, as Master Servicer under the BANK 2019-BNK21securitization, pursuant to which the following mortgage loans were serviced bysuch party: Park Tower at Transbay (from 1/1/21 to 12/31/21) (see Exhibit 35.5)

 

35.11  Wells Fargo Bank, National Association, as Custodianunder the BANK 2019-BNK21 securitization, pursuant to which the followingmortgage loans were serviced by such party: Park Tower at Transbay (from 1/1/21to 12/31/21) (see Exhibit 35.3)

 

35.12  Computershare Trust Company, National Association, asServicing Function Participant under the BANK 2019-BNK21 securitization,pursuant to which the following mortgage loans were serviced by such party:Park Tower at Transbay (from 11/1/21 to 12/31/21) (see Exhibit 35.4)

 

35.13  Wells Fargo Bank, National Association, as Custodianunder the MSC 2019-H7 securitization, pursuant to which the following mortgageloans were serviced by such party: Grand Canal Shoppes (from 1/1/21 to12/31/21) and Legacy Tower (from 1/1/21 to 12/31/21) (see Exhibit 35.3)

 

35.14  Computershare Trust Company, National Association, asServicing Function Participant under the MSC 2019-H7 securitization, pursuantto which the following mortgage loans were serviced by such party: Grand CanalShoppes (from 11/1/21 to 12/31/21) and Legacy Tower (from 11/1/21 to 12/31/21)(see Exhibit 35.4)

 

(99.1)Mortgage Loan Purchase Agreement, dated September 13,2019, between Morgan Stanley Capital I Inc. and Morgan Stanley Mortgage CapitalHoldings LLC (filed as Exhibit 99.1 to the registrant's Current Report on Form8-K filed on September 26, 2019 under SEC File No. 333-227446-06 andincorporated by reference herein).

 

(99.2)Mortgage Loan Purchase Agreement, dated September 13,2019, between Morgan Stanley Capital I Inc. and Bank of America, NationalAssociation (filed as Exhibit 99.2 to the registrant's Current Report on Form8-K filed on September 26, 2019 under SEC File No. 333-227446-06 andincorporated by reference herein).

 

(99.3)Mortgage Loan Purchase Agreement, dated September 13,2019, between Morgan Stanley Capital I Inc. and Wells Fargo Bank, NationalAssociation (filed as Exhibit 99.3 to the registrant's Current Report on Form8-K filed on September 26, 2019 under SEC File No. 333-227446-06 andincorporated by reference herein).

 

(99.4)Mortgage Loan Purchase Agreement, dated September 13,2019, between Morgan Stanley Capital I Inc. and National Cooperative Bank, N.A.(filed as Exhibit 99.4 to the registrant's Current Report on Form 8-K filed onSeptember 26, 2019 under SEC File No. 333-227446-06 and incorporated byreference herein).

 

(99.5)Agreement Between Note Holders, dated as September 16,2019, by and between Bank of America, N.A., as initial note A-1 holder, initialnote A-2 holder, initial note A-3 holder, initial note A-4 holder, initial NoteA-5 holder, initial note A-6 holder, initial note A-7 holder, initial note A-8holder, initial note A-9 holder and initial note A-10 holder, relating to thePark Tower at Transbay loan combination (filed as Exhibit 99.5 to theregistrant's Current Report on Form 8-K filed on September 26, 2019 under SECFile No. 333-227446-06 and incorporated by reference herein).

 

(99.6)Agreement Between Note Holders, dated as September 26,2019, by and between Wells Fargo Bank, National Association, as initial noteA-1 holder, initial note A-2 holder and initial note A-3 holder, relating tothe Tower at Burbank loan combination (filed as Exhibit 99.6 to theregistrant's Current Report on Form 8-K filed on September 26, 2019 under SECFile No. 333-227446-06 and incorporated by reference herein).

 

(99.7)Agreement Between Note Holders, dated as September 26,2019, by and between Morgan Stanley Bank, N.A., as initial note A-1 holder andinitial note A-2 holder, relating to the NKX Multifamily Portfolio loancombination (filed as Exhibit 99.7 to the registrant's Current Report on Form8-K/A filed on January 3, 2020 under SEC File No. 333-227446-06 andincorporated by reference herein).

 

(99.8)Agreement Between Note Holders, dated as September 13, 2019,by and between Morgan Stanley Bank, N.A., as note A holder, Athene Annuity andLife Company, as note B-1 holder, note B-2 holder and note B-6 holder, AmericanEquity Investment Life Insurance Company, as note B-3 holder, Athene Annuity& Life Assurance Company, as note B-4 holder and The Lincoln National LifeInsurance Company, as note B-5 holder, relating to the Solstice on the Parkloan combination (filed as Exhibit 99.8 to the registrant's Current Report onForm 8-K filed on September 26, 2019 under SEC File No. 333-227446-06 andincorporated by reference herein).

 

(99.9)Agreement Between Note Holders, dated as July 3, 2019,by and between Morgan Stanley Bank, N.A., as note A-1 holder, Wells Fargo Bank,National Association, as note A-2 holder, JPMorgan Chase Bank, NationalAssociation, as note A-3 holder, Goldman Sachs Bank USA, as note A-4 holder andCPPIB Credit Investments II Inc., as note B holder, relating to the Grand CanalShoppes loan combination (filed as Exhibit 99.9 to the registrant's CurrentReport on Form 8-K filed on September 26, 2019 under SEC File No. 333-227446-06and incorporated by reference herein).

 

(99.10)Intercreditor Agreement, dated as July 24, 2019, by andbetween Morgan Stanley Bank, N.A., as note A holder and Morgan Stanley MortgageCapital Holdings LLC, as note B holder, relating to the Hawthorne WorksShopping Center loan combination (filed as Exhibit 99.10 to the registrant'sCurrent Report on Form 8-K filed on September 26, 2019 under SEC File No.333-227446-06 and incorporated by reference herein).

 

(99.11)Agreement Between Note Holders, dated as July 25, 2019,by and between Morgan Stanley Bank, N.A., as initial note A-1 holder, initialnote A-2 holder, initial A-3 holder and initial Note A-4 holder, relating tothe Eleven Seventeen Perimeter loan combination (filed as Exhibit 99.11 to theregistrant's Current Report on Form 8-K filed on September 26, 2019 under SECFile No. 333-227446-06 and incorporated by reference herein).

 

(99.12)Agreement Between Note Holders, dated as August 8,2019, by and between Morgan Stanley Bank, N.A., as initial note A-1 holder,initial note A-2 holder and initial A-3 holder, relating to the Polo TowneCrossing SC loan combination (filed as Exhibit 99.12 to the registrant'sCurrent Report on Form 8-K filed on September 26, 2019 under SEC File No.333-227446-06 and incorporated by reference herein).

 

(99.13)Agreement Between Note Holders, dated as July 25, 2019,by and between Morgan Stanley Bank, N.A., as initial note A-1 holder andinitial note A-2 holder, relating to the Legacy Tower loan combination (filedas Exhibit 99.13 to the registrant's Current Report on Form 8-K filed onSeptember 26, 2019 under SEC File No. 333-227446-06 and incorporated by referenceherein).

 

(99.14)SecondAmended and Restated Servicing Agreement, effective as of October 31, 2021,between Wells Fargo Bank, N.A., Wells Fargo Delaware Trust Company, N.A.,Computershare Trust Company, N.A., Computershare Delaware Trust Company andComputershare Limited (filed as Exhibit 99.1 to the registrant's Current Reporton Form 8-K filed on November 5, 2021 under SEC File No. 333-227446-06 and incorporatedby reference herein). 

 

(b)See (a) above.

 

(c) NotApplicable.

 

**SIGNATURES**

 

Pursuantto the requirements of Section 13 or 15(d) of the Securities Exchange Act of1934, the registrant has duly caused this report to be signed on its behalf bythe undersigned, thereunto duly authorized.

 

MorganStanley Capital I Inc.

(Depositor)

 

By:/s/ Jane Lam

JaneLam, President

(seniorofficer in charge of securitization of the depositor)

 

Date: March 28, 2022