**Exhibit 34.1**

**REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM**

Board of Directors 

Mechanics Bank 

Walnut Creek, California 

We have examined management’sassertion, included in the accompanying Management’s Report on Assessment of Compliance with SEC Regulation AB Servicing Criteria, that Mechanics Bank (the “Bank”) complied with the servicing criteria set forth in Item 1122(d) of theSecurities and Exchange Commission’s Regulation AB, as of and for the year ended December 31, 2016, which includes the period from January 1, 2016 to September 30, 2016 for which management’s assertion pertains to CaliforniaRepublic Bank’s compliance, (the “Reporting Period”) for the asset- backed securities transactions for which the Bank acts as servicer of automotive retail installment sales contracts included in private and public securitizationssponsored by the Bank (the “Platform”), except for servicing criteria 1122(d)(2)(iv), 1122(d)(2)(vi), 1122(d)(3)(ii)-(iv), 1122(d)(4)(ix)-(xiii) and 1122(d)(4)(xv), for which the Bank has determined are not applicable to the activitiesperformed with respect to the Platform. Appendix B to management’s report identifies the individual asset-backed transactions and securities defined by management as constituting the Platform. Management is responsible for the Bank’scompliance with the applicable servicing criteria. Our responsibility is to express an opinion on management’s assertion based on our examination. 

Our examination was conducted in accordance with attestation standards of the Public Company Accounting Oversight Board (United States) and,accordingly, included examining, on a test basis, evidence about the Bank’s compliance with the applicable servicing criteria and performing such other procedures as we considered necessary in the circumstances. Our examination included testingof selected asset-backed transactions and securities that comprise the Platform, testing of selected servicing activities related to the Platform, and determining whether the Bank processed those selected transactions and performed those servicingactivities in compliance with the applicable servicing criteria. Our procedures were limited to the selected transactions and servicing activities performed by the Bank during the period covered by the report. Our procedures were not designed todetect noncompliance arising from errors that may have occurred prior to or subsequent to our tests that may have affected the balances or amounts calculated or reported by the Bank during the period covered by this report. We believe that ourexamination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Bank’s compliance with the applicable servicing criteria. 

In our opinion, management’s assertion that the Bank complied with the aforementioned applicable servicing criteria as of and for the year endedDecember 31, 2016, which includes the period from January 1, 2016 to September 30, 2016 for which management’s assertion pertains to California Republic Bank’s compliance, for the Platform is fairly stated, in all materialrespects. 

/s/ Crowe Horwath LLP 

Sacramento, California 

March 30, 2017