Freddie Mac Single-Family Seller/Servicer Guide 1501.1 — Master Agreements, Pricing Identifier Terms,

Guide Plus Additional Provisions and other Purchase Documents (12/17/25) This section contains: ■ Master Agreements, Pricing Identifiers and other Pricing Terms ■ Terms of Master Agreements and Pricing Identifier Terms ■ Guide Plus Additional Provisions ■ Revocation of Master Agreement or Pricing Identifier Terms This section covers the terms relating to or associated with Master Agreements, Pricing Identifiers and other Pricing Identifier Terms. Master Agreements, Pricing Identifier Terms and other Purchase Documents are “Freddie Mac confidential information” (as defined in Section 1201.8(a)).

(a) Master Agreements, Pricing Identifiers and other Pricing Terms (i) Binding contract Freddie Mac and the Seller may enter into Master Agreements, Pricing Identifier Terms or other Purchase Documents that provide Seller-specific, negotiated terms for the sale and Servicing of Mortgages. A binding contract between Freddie Mac and the Seller is established when the Seller, as applicable: ■ Accepts terms of a Purchase Contract in Loan Selling Advisor®, ■ Delivers Mortgages to Freddie Mac under the terms of the Purchase Documents, or ■ Signs and returns the Purchase Document, if Freddie Mac requires a signature (ii) Amendments to Purchase Documents From time to time, Freddie Mac may issue amendments pursuant to terms in the Guide or the Seller’s other Purchase Documents that allow Freddie Mac to amend, supplement, revise or terminate a provision. Freddie Mac may amend existing provisions of, or add new provisions to, the Seller’s Purchase Documents. Amendments become binding: ■ If Freddie Mac requires a signature on the date the Seller returns the signed amendment, or ■ If Freddie Mac does not require a signature, on the effective date stated in the amendment, The Seller’s delivery of Mortgages under a Purchase Document is deemed to be acceptance of all terms and conditions of the amendment. (iii)Issuance of Master Agreements, Pricing Identifier Terms Amendments and other Purchase Documents If Freddie Mac issues a new or amended Master Agreement or Pricing Identifier Terms (as applicable, the “Document”) and requires the Seller to sign the Document, the Seller must, within the time period specified in the Document, sign and return the Document: ■ Using the digital signature software (e.g., DocuSign) used by Freddie Mac to transmit the Document to the Seller, or ■ As an Electronic Record attached to an e-mail sent to the e-mail address provided by Freddie Mac and to the Seller The execution and delivery of a Document as stated above is an Eligible Electronic Transaction, as defined in and governed by Chapter 1401. (iv) Part and section headings of Master Agreements and Pricing Identifier Terms Part and section headings set forth in Master Agreements or Pricing Identifier Terms are for convenience of reference only and are not part of the Master Agreement or Pricing Identifier Terms. (v) Defined terms Capitalized terms used but not defined in a Master Agreement or Pricing Identifier Terms shall have the meanings ascribed to them in the Guide.

(b) Terms of Master Agreements and Pricing Identifier Terms (i) Master Agreements The Master Agreement sets forth terms relating to the sale of Mortgages to Freddie Mac in addition to Guide requirements. (ii) Pricing Identifier Terms, when issued under a Master Agreement Pricing Identifier Terms, when issued under a Master Agreement, incorporate the terms of the Master Agreement and set forth pricing terms relating to the Seller’s sale of Mortgages to Freddie Mac under the Master Agreement, which may include: 1. The Pricing Identifier Issue Date 2. Negotiated provisions that differ from the Guide or the Master Agreement 3. Any other terms and conditions acceptable to Freddie Mac (iii)Pricing Identifier Terms or Purchase Agreements issued without a Master Agreement Pricing Identifier Terms or Purchase Agreements issued without a Master Agreement set forth all terms relating to the Seller’s sale of Mortgages to Freddie Mac under the Pricing Identifier Term or Purchase Agreement. The Pricing Identifier includes: 1. The Effective Date 2. Whether delivery is mandatory (i.e., the Seller is obligated to sell Mortgages under the Pricing Identifier Term or Purchase Agreement) or optional (i.e., the Seller has the option to sell Mortgages under the Pricing Identifier Terms or Purchase Agreement) 3. A stated tolerance for purchases 4. Any Mortgage Products or programs that are not eligible for sale under the Guide 5. Negotiated provisions that differ from the provisions of the Guide 6. Any other terms and conditions acceptable to Freddie Mac (iv) Changes to Master Agreements or Pricing Identifier Terms Freddie Mac may amend, supplement, revise or terminate the provisions of the Seller’s Master Agreement or Pricing Identifier Terms, in whole or in part, upon written notice to the Seller during the term of the Master Agreement or other Pricing Identifier Terms. An amendment to the Guide that affects any negotiated provision of the Seller’s Master Agreement or Pricing Identifier Terms is effective as of the date specified by Freddie Mac in a written notice to the Seller indicating how the negotiated provision will be affected by the Guide amendment. Notice of Guide amendments that affect the Seller’s Master Agreement or Pricing Identifier Terms may be provided by Freddie Mac in a Bulletin.

(d) Revocation of Master Agreement or Pricing Identifier Terms The terms and conditions of the Master Agreement or Pricing Identifier Terms, including any waivers of Guide requirements set forth therein, are expressly conditioned upon: ■ The Seller’s compliance with the terms and conditions in the Master Agreement, Pricing Identifier Terms, the Guide and the other Purchase Documents, and ■ The truth and accuracy of the representations and warranties made by the Seller under the Purchase Documents Freddie Mac has the right to revoke the Master Agreement and/or other Pricing Identifier Terms in whole or in part if: ■ The Seller breaches any term or condition in any Purchase Document, or ■ Any representation or warranty proves to have been untrue at the time made by the Seller Freddie Mac has the right to supplement, modify or terminate any Purchase Document in whole or in part at any time without prior notice.