Exhibit 34.9



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|LOGO |  | KPMG LIP
2500 Ruan Center 666 Grand Avenue
Des Moines, IA 50309
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Report of Independent Registered Public Accounting Firm

The Board of Directors

Wells Fargo Bank, N.A.:

We have examined managements assessment, included in the accompanying 2015 Certification Regarding Compliance with Applicable Servicing Criteria,that Wells Fargo Bank, N.A. (the Company) complied with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange Commissions Regulation AB for its primary servicing of residential mortgage loans, other than the
servicing of such loans for the Company and its affiliates, Freddie Mac, Fannie Mae, Ginnie Mae, or a Federal Home Loan Bank (but including the servicing of loans for FHLB Shared Funding securitizations) (the Platform), except for servicing criteria
1122(d)(1)(iii) and 1122(d)(4)(xv), which the Company has determined are not applicable to the activities it performs with respect to the Platform, as of and for the year ended December 31, 2015. The Company has determined that servicing
criterion 1122(d)(1)(v) is applicable to the activities the Company performs with respect to the Platform for all transactions and securities in the Platform, including those issued on or before November 23, 2015 for which compliance was previously
assessed under other servicing criteria in accordance with the SEC Division of Corporation Finances Manual of Publicly Available Interpretations on Regulation AB and Related Rules, Interpretation 11.03,as applicable, for the 2015
assessment period as of and for the year ended December 31, 2015. The Company has determined that servicing criterion 1122(d)(3)(i) is applicable to the activities the Company performs with respect to the Platform except for subsection (C) of that
criterion. Exhibit B to the 2015 Certification Regarding Compliance with Applicable Servicing Criteriaidentifies the individual asset-backed transactions and securities defined by management as constituting the Platform. Management is
responsible for the Companys compliance with the servicing criteria. Our responsibility is to express an opinion on managements assessment about the Companys compliance based on our examination.

Our examination was conducted in accordance with the attestation 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 Platform, testing selected servicing activities related to the 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.

As described in the accompanying 2015 Certification Regarding Compliance with Applicable Servicing Criteria,for servicing criteria 1122(d)(2)(i),
1122(d)(2)(vi), 1122(d)(4)(iv), 1122(d)(4)(xi), and



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| |  | 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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1122(d)(4)(xiii), the Company has engaged various vendors to perform the activities required by these servicing
criteria. The Company has determined that none of these vendors is 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 criteria
applicable to each vendor as permitted by the SECs Compliance and Disclosure Interpretation (C&DI) 200.06, Vendors Engaged by Servicers(C&DI 200.06) (formerly SEC Manual Telephone Interpretation 17.06). As permitted
by C&DI 200.06, the Company has asserted that it has policies and procedures in place designed to provide reasonable assurance that the vendors activities comply in all material respects with the servicing criteria applicable to each
vendor. The Company is solely responsible for determining that it meets the SEC requirements to apply 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 assessment that Wells Fargo Bank, N.A. complied with the
aforementioned servicing criteria, including servicing criteria 1122(d)(2)(i), 1122(d)(2)(vi), 1122(d)(4)(iv), 1122(d)(4)(xi), and 1122(d)(4)(xiii) for which compliance is determined based on C&DI 200.06 as described above, as of and for the
year ended December 31, 2015 is fairly stated, in all material respects.



LOGO

Des Moines, Iowa

February
29, 2016