Exhibit 34.5



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|LOGO |  | KPMG LLP Aon Center
Suite 5500 200 East Randolph Drive
Chicago, IL 60601-6436

Report of Independent Registered Public Accounting Firm

The Board of Directors

The Corporate Trust Services division of
Wells Fargo Bank, National Association:

We have examined the Corporate Trust Services division of Wells Fargo Bank, National Associations (the
Company) compliance with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commissions Regulation AB for residential mortgage-backed securities (RMBS) transactions backed by pools of
residential mortgage loans and/or backed by RMBS, for which the Company provides trustee (except Delaware trustee or owner trustee), indenture trustee, securities administration and/or paying agent services and where the RMBS transactions were
either (a) publicly-issued pursuant to a registration statement under the Securities Act of 1933, or (b) privately-issued pursuant to an exemption from registration where the Company has an obligation under the transaction agreements to
deliver an assessment of compliance with the applicable servicing criteria under Item 1122(d) of Regulation AB; provided, however that the platform excludes any transactions where the offered securities were issued, sponsored and/or guaranteed
by any agency or instrumentality of the U.S. government or any government sponsored entity, other than certain securitizations of residential mortgage loan transactions issued, sponsored and/or guaranteed by the Federal Deposit Insurance Company
(the RMBS Bond Administration Platform), to the extent required in the related transaction agreements, in regards to the activities performed by the Company, except for the following servicing criteria: 1122(d)(4)(ii) and 1122(d)(4)(iv)
 1122(d)(4)(xiii), which management has determined are not applicable to the activities the Company performed with respect to the RMBS Bond Administration Platform (the Applicable Servicing Criteria), as of and for the twelve
months ended December 31, 2013. Management is responsible for the Companys compliance with the servicing criteria. Our responsibility is to express an opinion on the Companys compliance based on our examination. Appendix A to the
Assessment of Compliance with the Applicable Servicing Criteria identifies the individual transactions and securities defined by management as constituting the RMBS Bond Administration Platform.

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

KPMG LLP is a Delaware limited liability partnership,

the U.S. member firm of KPMG International

Cooperative (KPMG International), a Swiss entity.



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As described in managements Assessment of Compliance With the Applicable Servicing Criteria, for servicing
criterion 1122(d)(4)(i), the Company has engaged a vendor to perform the activities required by this servicing criterion. The Company has determined that this vendor is not considered a servicer as defined in Item 1101(j) of
Regulation AB, and the Company has elected to take responsibility for assessing compliance with the servicing criterion applicable to this vendor as permitted by Interpretation 17.06 of the SEC Division of Corporation Finance Manual of Publicly
Available Telephone Interpretations (Interpretation 17.06). As permitted by Interpretation 17.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors
activities comply in all material respects with the servicing criterion applicable to the vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply Interpretation 17.06 for the vendor and related criterion
as described in managements Assessment of Compliance With the Applicable Servicing Criteria, and we performed no procedures with respect to the Companys eligibility to apply Interpretation 17.06.

Our examination disclosed the following material noncompliance with servicing criteria 1122(d)(3)(i)(B) and 1122(d)(3)(ii), as applicable to the Company
during the twelve months ended December 31, 2013:



| |  | With respect to servicing criterion 1122(d)(3)(i)(B), certain reports to investors did not provide information calculated in accordance with the terms specified in the transaction agreements.
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| |  | With respect to servicing criterion 1122(d)(3)(ii), certain amounts due to investors were not allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction
agreements.
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In our opinion, except for the material noncompliance described above, the Company complied with the aforementioned servicing
criteria, including servicing criterion 1122(d)(4)(i) for which compliance is determined based on Interpretation 17.06 as described above, as of and for the twelve months ended December 31, 2013, in all material respects.

We do not express an opinion or any form of assurance on Managements Discussion on Material Instances of Noncompliance by the Company included in
Schedule B of the Companys Assessment of Compliance with the Applicable Servicing Criteria.

/s/ KPMG LLP

Chicago, Illinois

February 27, 2014