**Exhibit 34.5**

**[Ernst & Young LLP Letterhead]**

**Report of Independent Registered Public Accounting Firm**

Board of Directors 

SunTrust Banks, Inc. 

We have examined management’s assertions, included in the accompanying reports titled Management’s Assertion on Compliance with Regulation ABCriteria, that SunTrust Banks, Inc. (the Company) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commission’s Regulation AB for the residential mortgage loan servicing platform as of and forthe year ended December 31, 2014, except for criteria 1122(d)(1)(i)-(iv), 1122(d)(2)(ii)-(vii), 1122(d)(3)(i)-(iv) and 1122(d)(4)(iii)-(xv), which the Company has determined are not applicable to the activities performed by them withrespect to the servicing platform covered by this report. Refer to management’s assertions for the asset backed transactions covered by this platform. Management is responsible for the Company’s compliance with those servicing criteria.Our responsibility is to express an opinion on management’s assertions about the Company’s compliance with the servicing criteria based on our examination. 

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants, as adopted bythe Public Company Accounting Oversight Board (United States) and, accordingly, included examining, on a test basis, evidence about the Company’s compliance with the applicable servicing criteria and performing such other procedures as weconsidered necessary in the circumstances. Our examination included testing of less than all of the individual asset backed transactions and securities that comprise the platform, testing of less than all of the servicing activities related to thePlatform and determining whether the Company processed those selected transactions and performed those selected activities in compliance with the servicing criteria and as permitted by Regulation AB Compliance and Disclosure Interpretations of theDivision of Corporation Finance, Section 200.06, “Vendors Engaged by Servicers” (C&DI 200.06). Furthermore, our procedures were limited to the selected transactions and servicing activities performed by the Company during theperiod 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 theperiod 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’scompliance with the servicing criteria. 

As described in management’s assertion, for servicing criteria 1122(d)(2)(i), the Company has engagedvarious vendors to perform the activities required by these servicing criteria. The Company has determined that these vendors are not considered a “servicer” as defined in Item 1101(j) of Regulation AB, and the Company has elected totake responsibility for assessing compliance with the applicable servicing criteria applicable to each vendor as permitted by C&DI 200.06. As permitted by C&DI 200.06, the Company has asserted that it has policies and procedures in placedesigned to provide reasonable assurance that the vendors’ activities comply in all material respects with servicing criteria applicable to each vendor. The Company is solely responsible for determining that it meets the SEC requirements toapply C&DI 200.06 for the vendors and related criteria as described in its assertion, and we performed no procedures with respect to the Company’s eligibility to apply C&DI 200.06. 

In our opinion, management’s assertion that the Company complied with the aforementioned servicing criteria, including servicing criteria 1122 (d)(2)(i)for which compliance is determined based on C&DI 200.06 as described above, as of and for the year ended December 31, 2014 for the residential mortgage loan servicing platform, is fairly stated, in all material respects.