Exhibit 34.1
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
Board of Directors
Ally Financial Inc.
We have examined management’s assertion, included in the accompanying Certification Regarding
Compliance with SEC Regulation AB Servicing Criteria, that Ally Financial 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 Consumer Automotive Receivables Platform (the “Consumer
Platform”) as of and for the year ended December 31, 2014, and for the period from the respective dates
of sale for each trust to December 31, 2014, excluding criteria 1122(d)(1)(iii), 1122(d)(1)(iv),
1122(d)(2)(vi), 1122(d)(4)(ix), 1122(d)(4)(x), 1122(d)(4)(xi), 1122(d)(4)(xii) and 1122(d)(4)(xiii), which
management has determined are not applicable to the activities performed by the Company with respect
to the Consumer Platform. The Consumer Platform consists of the activities involved in the performance
of servicing functions for all publicly and privately issued retail and lease asset-backed transactions.
Management is responsible for the Company’s compliance with the servicing criteria. Our responsibility
is to express an opinion on management’s assertion about the Company’s compliance with the servicing
criteria based on our examination.
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 applicable servicing criteria, including tests on a sample basis of the
servicing activities related to the Consumer Platform, determining whether the Company performed those
selected activities in compliance with the servicing criteria during the specified period, and performing
such other procedures as we considered necessary in the circumstances. Our procedures were limited to
selected servicing activities performed by the Company during the period covered by this report and,
accordingly, such samples may not have included servicing activities related to each asset-backed
transaction included in the Consumer Platform. Further, an examination is not designed to detect
noncompliance arising from errors that may have occurred prior to the period specified above that may
have affected the balances or amounts calculated or reported by the Company during the period covered
by this report. 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 management’s assertion, for servicing criteria 1122(d)(4)(ii), 1122(d)(4)(iv),
1122(d)(4)(vi), 1122(d)(4)(vii) and 1122(d)(4)(viii), the Company has engaged vendors to perform certain
activities required by these servicing criteria. The Company has determined that the vendors are 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 criteria applicable to the vendors 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 the vendors. 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 determination of its eligibility to use C&DI 200.06.
In our opinion, management’s assertion that the Company complied with the aforementioned applicable
servicing criteria as of and for the year ended December 31, 2014, and for the period from the respective
dates of sale for each trust to December 31, 2014, for the Consumer Automotive Receivables Platform is
fairly stated, in all material respects.
/s/ Deloitte & Touche LLP
Deloitte & Touche LLP
March 10, 2015