Exhibit 34.1



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Report of Independent Registered Public Accounting Firm

The Board of Directors

CitiMortgage, Inc.:

We have examined CitiMortgage, Inc.s (the Servicer) compliance with the servicing criteria set forth in Item 1122(d) of the Securities and Exchange
Commissions Regulation AB in connection with the servicing of first lien residential mortgage loans, for which the Servicer performs a particular servicing function pursuant to a servicing agreement with a third party, except for
(a) Freddie Mac, Fannie Mae and Ginnie Mae residential mortgage loan securitizations unless part of a special bond program and (b) loans held for its own portfolio, utilizing the Citilink system (the Platform), except for servicing
criterion 1122(d)(1)(iii) and certain activities related to servicing criteria 1122(d)(2)(ii), 1122(d)(4)(i), and 1122(d)(4)(ii), as described in Exhibit A in the accompanying Management Assessment of Compliance with Applicable Servicing Criteria,
which the Servicer has determined were not applicable to the activities it performed with respect to the Platform, as of and for the year ended December 31, 2014. Management is responsible for the Servicers compliance with the servicing
criteria. Our responsibility is to express an opinion on the Servicer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 Servicer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 Servicer 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 Servicer 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 Servicer 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 Servicers compliance with the servicing criteria.

As described in the accompanying Management Assessment of
Compliance with Applicable Servicing Criteria, for certain activities related to servicing criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), as described in Exhibit A
thereto, the Servicer has engaged various vendors to perform the activities required by these servicing criteria. The Servicer has determined that none of these vendors is considered a servicer as defined in Item 1101(j) of
Regulation AB, and the Servicer 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 Servicer 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 Servicer is solely responsible for



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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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determining that it meets the SEC requirements to apply C&DI 200.06 for the vendors and related criteria as described in its assessment, and we performed no procedures with respect to the
Servicers eligibility to apply C&DI 200.06.

Our examination disclosed the following material noncompliance with servicing criteria
1122(d)(3)(i)(B) and 1122(d)(3)(ii), as applicable to the Servicer during the year ended December 31, 2014:



| |  |  | With respect to Regulation AB Item 1122(d)(3)(i)(B), certain reports to investors did not provide information calculated in accordance with the terms specified in the transaction agreements.
| | - |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| |  |  | With respect to Regulation AB Item 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 Servicer complied, in all material respects, with
the aforementioned servicing criteria, including activities related to servicing criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), as described in Exhibit A of the
Servicers Management Assessment of Compliance with Applicable Servicing Criteria, for which compliance is determined based on C&DI 200.06 as described above, as of and for the year ended December 31, 2014.

We do not express an opinion or any form of assurance on Exhibit C, Managements Discussion on Material Instances of Noncompliance by the Company,
of the Servicers Management Assessment of Compliance with Applicable Servicing Criteria.



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St. Louis, Missouri

February 26, 2015



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