Rule 13a-14(d)/15d-14(d)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 ServicingAgreement dated as of January 1, 2015 (the “Pooling and ServicingAgreement”), executed in connection with the Transaction (capitalizedterms used but not defined herein have the meanings set forth in the Poolingand Servicing Agreement).

I, George Kok, certify that:

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| 1.     | I have reviewed this report on  Form 10-K and all reports on Form 10-D required to be filed in respect of the  period covered by this report on Form 10-K of Morgan Stanley Bank of America  Merrill Lynch Trust 2015-C20 (the “Exchange Act periodic  reports”);                                                                                                                                                                                                                                                                                                    |
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| 2.     | Based on my knowledge, the  Exchange Act periodic reports, taken as a whole, do not contain any untrue  statement of a material fact or omit to state a material fact necessary to  make the statements made, in light of the circumstances under which such statements  were made, not misleading with respect to the period covered by this report;                                                                                                                                                                                                                            |
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| 3.     | Based on my knowledge, all  of the distribution, servicing and other information required to be provided  under Form 10-D for the period covered by this report is included in the  Exchange Act periodic reports;                                                                                                                                                                                                                                                                                                                                                               |
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| 4.     | Based on my knowledge and  the servicer compliance statement(s) required in this report under Item 1123  of Regulation AB, and except as disclosed in the Exchange Act periodic reports,  the servicer(s) have fulfilled their obligations under the servicing  agreement(s) in all material respects; and                                                                                                                                                                                                                                                                       |
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| 5.     | All of the reports on  assessment of compliance with servicing criteria for asset-backed securities  and their related attestation reports on assessment of compliance with  servicing criteria for asset-backed securities required to be included in  this report in accordance with Item 1122 of Regulation AB and Exchange Act  Rules 13a-18 and 15d-18 have been included as an exhibit to this report,  except as otherwise disclosed in this report. Any material instances of  noncompliance described in such reports have been disclosed in this report on  Form 10-K. |
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In giving the certifications above,I have reasonably relied on information provided to me by the followingunaffiliated parties:

 

• Wells Fargo Bank,National Association, as Trustee• Wells Fargo Bank, National Association, as Certificate Administrator• Wells Fargo Bank, National Association, as Custodian• Midland Loan Services, a Division of PNC Bank, National Association, asMaster Servicer• CWCapital Asset Management LLC, as Special Servicer• Park Bridge Lender Services LLC, as Operating Advisor• Wells Fargo Bank, National Association, as Master Servicer under theMSBAM 2014-C19 securitization, pursuant to which the following mortgage loanswere serviced: Linc LIC (from 1/1/16 to 12/31/16) and One & Only Ocean Club(from 1/1/16 to 12/31/16)• CoreLogic Commercial Real Estate Services, Inc., as Servicing FunctionParticipant under the MSBAM 2014-C19 securitization, pursuant to which thefollowing mortgage loans were serviced: Linc LIC (from 1/1/16 to 12/31/16) andOne & Only Ocean Club (from 1/1/16 to 12/31/16)• National Tax Search, LLC, as Servicing Function Participant under theMSBAM 2014-C19 securitization, pursuant to which the following mortgage loanswere serviced: Linc LIC (from 1/1/16 to 12/31/16) and One & Only Ocean Club(from 1/1/16 to 12/31/16)• CWCapital Asset Management LLC, as Special Servicer under the MSBAM2014-C19 securitization, pursuant to which the following mortgage loans wereserviced: Linc LIC (from 1/1/16 to 12/31/16) and One & Only Ocean Club(from 1/1/16 to 12/31/16)• Wells Fargo Bank, National Association, as Custodian under the MSBAM2014-C19 securitization, pursuant to which the following mortgage loans wereserviced: Linc LIC (from 1/1/16 to 12/31/16) and One & Only Ocean Club(from 1/1/16 to 12/31/16)

 

 

Date: March 30, 2017By: /s/ George KokName: George KokTitle: President