**Exhibit 34.1**

**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 ExchangeCommission’s Regulation AB for servicing of residential mortgage loans included in publicly issued residential mortgage-backed securities issued on or after January 1, 2006, certain publicly issued residential mortgage-backed securitiesissued prior to January 1, 2006, and certain residential mortgage transactions for which the Servicer has agreed to apply the servicing criteria set forth in Item 1122(d) of Regulation AB, for which the Servicer performs a particularservicing function pursuant to a servicing agreement with a third party, except for Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, Government National Mortgage Association residential mortgage loan securitizationsunless part of a special bond program, utilizing the Citilink system (the Platform), except for servicing criterion 1122(d)(1)(iii), which the Servicer has determined was not applicable to the activities it performed with respect to the Platform, asdescribed in Exhibit A to the Management Assessment of Compliance with Applicable Servicing Criteria, as of and for the year ended December 31, 2016. The Servicer has determined that servicing criterion 1122(d)(2)(ii) is applicable to theactivities the Servicer performs with respect to the Platform only as it relates to making authorized disbursements on behalf of an obligor for escrowed amounts and to investors and/or the paying agent for their disbursement to investors. Servicingcriteria 1122(d)(4)(i) and 1122(d)(4)(ii) are applicable to the activities the Servicer performs with respect to the Platform except that the Servicer only prepares and ships the required loan documents to another party participating in theservicing function that performs the custodian function. With respect to applicable servicing criterion 1122(d)(4)(iii), the Servicer has determined that there were no activities performed during the year ended December 31, 2016 with respect tothe Platform, because there were no occurrences of events that would require the Servicer to perform such activities. The Servicer has determined that servicing criterion 1122(d)(1)(v) is applicable to the activities the Servicer performs withrespect 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, as applicable, for the assessmentperiod as of and for the year ended December 31, 2016. Exhibit B to the Management Assessment of Compliance with Applicable Servicing Criteria identifies the individual asset-backed transactions and securities defined by management asconstituting the Platform. 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 standards of the Public Company Accounting Oversight Board (United States) and in accordance withattestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Servicer’s compliance with the servicing criteria specified above andperforming 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 thePlatform, 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 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 Servicer 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 Servicer’scompliance with the servicing criteria. 

As described in the Management Assessment of Compliance with Applicable Servicing Criteria, for certainactivities related to servicing criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(vi), 1122(d)(4)(vii), 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 hasengaged 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 Servicerhas 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). 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 theservicing criteria applicable to each vendor. The Servicer 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 noprocedures with respect to the Servicer’s eligibility to apply C&DI 200.06. 

Our examination disclosed the following material noncompliance withservicing criterion 1122(d)(4)(vii), as applicable to the Servicer as of and during the year ended December 31, 2016. Certain loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure,foreclosures and repossessions, as applicable) were not initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements. 

In our opinion, except for the material noncompliance described above, the Servicer complied, in all material respects, with the aforementioned servicingcriteria, including servicing criteria 1122(d)(2)(i), 1122(d)(2)(ii), 1122(d)(4)(iv), 1122(d)(4)(vi), 1122(d)(4)(vii), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii), and 1122(d)(4)(xiii), as described in Exhibit A to the Management Assessment ofCompliance 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, 2016. 

We do not express an opinion or any form of assurance on Management’s Discussion on Material Instances of Noncompliance by the Servicer as set forth inExhibit D to the Management Assessment of Compliance with Applicable Servicing Criteria. 

/s/ KPMG LLP 

St. Louis, Missouri 

February, 27, 2017