Exhibit 34.3b

 

ReportofIndependentRegisteredPublicAccountingFirm

 

 

TotheBoardofDirectorsofAssurantInc.:

 

We have examined management’s assertion, included in the accompanyingReport on Assessment ofCompliancewith§1122(d)(2)(vi),§1122(d)(4)(xi)and§1122(d)(4)(xii)ofRegulationABServicingCriteria,that American Security Insurance Company, Standard Guaranty Insurance Company and TrackSureInsurance Agency, Inc. (affiliates of Assurant, Inc.,) (collectively the “Company”) complied with theservicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission's Regulation AB for the insurance escrow servicing activities it performs with respect to all mortgage backed securitiestransactions that were registered after January 1, 2006 with the Securities and Exchange Commissionpursuant to the Securities Act of 1933 (the “Platform”), as of December 31, 2021 and for the year thenended,excludingcriteria§1122(d)(1)(i)through§1122(d)(1)(v),§1122(d)(2)(i)through§1122(d)(2)(v), §1122(d)(2)(vii),§1122(d)(3)(i)through§1122(d)(3)(iv),§1122(d)(4)(i)through §1122(d)(4)(x)and §1122(d)(4)(xiii) through §1122(d)(4)(xv), which the Company has determined are not applicable to theactivities performed by it with respect to the Platform.American Security Insurance Company, StandardGuaranty Insurance Company and TrackSure Insurance Agency, Inc.’s management is responsible for itsassertion and for the Company's compliance with the applicable servicing criteria.Our responsibility is to express an opinion on management's assertion about the Company’s compliance with the applicableservicingcriteria basedonourexamination.

Our examination was conducted in accordance with the standards of the Public Company AccountingOversight Board (United States) and in accordance with attestation standards established by the American Institute of Certified Public Accountants.Those standards require that we plan and perform theexamination to obtain reasonable assurance about whether management’s assertion about compliancewith the applicable servicing criteria is fairly stated, in all material respects, and, accordingly, includedexamining, 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 of selected asset-backed transactions and securities that comprise the Platform, testing ofselected servicing activities related to the Platform, and determining whether the Company processedthose selected transactions and performed those selected activities in compliance with the applicableservicing criteria.Our procedures were limited to the selected transactions and servicing activitiesperformed by the Company during the period covered by this report. Our procedures were not designed todetect noncompliance arising from errors that may have occurred prior to or subsequent to our tests thatmay have affected the balances or amounts calculated or reported by the Company during the periodcovered by this report.We believe that our examination provides, and that the evidence we obtained issufficient and appropriate to provide, a reasonable basis for our opinion.Our examination does notprovidealegaldeterminationontheCompany’s compliancewiththeservicingcriteria.

 

In our opinion, management’s assertion that American Security Insurance Company, Standard GuarantyInsuranceCompany,andTrackSureInsuranceAgency,Inc.compliedwiththeaforementionedapplicableservicing criteria as of and for the year ended December 31, 2021 for the Platform is fairly stated, in allmaterialrespects.

 

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| Atlanta, Georgia |
| January26,2022   |

 

 

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