# CERTIFICATION

 

Re:          **Morgan Stanley Bank of America Merrill Lynch Trust 2015-C20, CommercialMortgage Pass-Through Certificates, Series 2015-C20**(the “Transaction”),issued pursuant to the Pooling and Servicing Agreement dated as of January 1,2015 (the “Pooling and Servicing Agreement”), executed in connectionwith the Transaction (capitalized terms used but not defined herein have themeanings set forth in the Pooling and Servicing Agreement).

                                               __________________________________________

 

               I, Jane Lam, certify that:

 

               1.             Ihave reviewed this report on Form 10-K and all reports on Form 10-D required tobe filed in respect of the period covered by this report on Form 10-K of MorganStanley Bank of America Merrill Lynch Trust 2015-C20 (the “Exchange Actperiodic reports”);

 

               2.            Based on my knowledge, the Exchange Act periodic reports, taken as a whole, donot contain any untrue statement of a material fact or omit to state a materialfact necessary to make the statements made, in light of the circumstances underwhich such statements were made, not misleading with respect to the period coveredby this report; 

 

               3.            Based on my knowledge, all of the distribution, servicing and other informationrequired to be provided under Form 10-D for the period covered by this reportis included in the Exchange Act periodic reports; 

 

               4.            Based on my knowledge and the servicer compliance statement(s) required in thisreport under Item 1123 of Regulation AB, and except as disclosed in theExchange Act periodic reports, the servicer(s) have fulfilled their obligationsunder the servicing agreement(s) in all material respects; and

 

               5.             Allof the reports on assessment of compliance with servicing criteria forasset-backed securities and their related attestation reports on assessment ofcompliance with servicing criteria for asset-backed securities required to beincluded in this report in accordance with Item 1122 of Regulation AB andExchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to thisreport, except as otherwise disclosed in this report.  Any materialinstances of noncompliance described in such reports have been disclosed inthis report on Form 10-K.  

 

               In giving the certifications above, I have reasonably relied on informationprovided to me by the following unaffiliated parties:

 

·        Wells Fargo Bank, National Association, asTrustee

·        Wells Fargo Bank, National Association, asCertificate Administrator

·        Computershare Trust Company, NationalAssociation, as Servicing Function Participant for the CertificateAdministrator 

·        Wells Fargo Bank, National Association, asCustodian

·        Computershare Trust Company, NationalAssociation, as Servicing Function Participant for the Custodian

·        Midland Loan Services, a Division of PNCBank, National Association, as Master Servicer

·        Rialto Capital Advisors, LLC, as SpecialServicer

·        Park Bridge Lender Services LLC, asOperating Advisor

·        Wells Fargo Bank, National Association, asMaster Servicer under the MSBAM 2014-C19 securitization, pursuant to which thefollowing mortgage loans were serviced by such party: Linc LIC (from 1/1/23 to12/31/23) and One & Only Ocean Club (from 1/1/23 to 12/31/23)

·        CoreLogic Solutions, LLC, as ServicingFunction Participant under the MSBAM 2014-C19 securitization, pursuant to whichthe following mortgage loans were serviced by such party: Linc LIC (from 1/1/23to 12/31/23) and One & Only Ocean Club (from 1/1/23 to 12/31/23)

·        Rialto Capital Advisors, LLC, as SpecialServicer under the MSBAM 2014-C19 securitization, pursuant to which thefollowing mortgage loans were serviced by such party: One & Only Ocean Club(from 1/1/23 to 12/31/23) 

·        Wells Fargo Bank, National Association, asCustodian under the MSBAM 2014-C19 securitization, pursuant to which thefollowing mortgage loans were serviced by such party: Linc LIC (from 1/1/23 to12/31/23) and One & Only Ocean Club (from 1/1/23 to 12/31/23) 

·        Computershare Trust Company, NationalAssociation, as Servicing Function Participant under the MSBAM 2014-C19securitization, pursuant to which the following mortgage loans were serviced bysuch party: Linc LIC (from 1/1/23 to 12/31/23) and One & Only Ocean Club(from 1/1/23 to 12/31/23) 

 

 

Date:  March 27, 2024

 

 

By /s/ Jane Lam

Name: Jane Lam

Title: President