Freddie Mac Single-Family Seller/Servicer Guide Section 2403.3 — Termination of eligibility

Freddie Mac Single-Family Seller/Servicer Guide Section 2403.3 — Termination of eligibility

2403.3: Termination of eligibility (12/17/25) This section contains requirements related to: ■ Termination of eligibility ■ Incorporation of Loan Selling Advisor® into the Purchase Documents (a) Termination of eligibility The Seller acknowledges and agrees that at any time and in addition to any other remedies Freddie Mac is entitled to under the Purchase Documents, Freddie Mac may: ■ Revoke or suspend its consent for the Seller to use the provisions of this chapter or any chapter providing terms for the sale of Mortgages to Freddie Mac using Loan Selling Advisor®; and/or Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-7 ■ Terminate the Seller’s eligibility to use any application or functionality within Loan Selling Advisor. (b) Incorporation of Loan Selling Advisor into the Purchase Documents Loan Selling Advisor is a Purchase Document. Any amendments, modifications, revisions, changes, and/or updates made to Loan Selling Advisor by Freddie Mac will be automatically incorporated into and made a part of the Purchase Documents whenever such amendments, modifications, revisions, changes, and/or updates are published, disseminated or otherwise made available to a Seller by Freddie Mac. 2403.4: Consent to conduct Electronic Transactions (12/17/25) This section contains requirements related to: ■ Consent to conduct electronic transactions ■ System security ■ Access to copies of transaction records (a) Consent to conduct electronic transactions The Seller consents to conduct Electronic Transactions, as defined in Chapter 1401, with Freddie Mac using Loan Selling Advisor® including, but not limited to, using Records, Electronic Records and Electronic Signatures in accordance with and as defined in Chapter 1401 and agrees that the Seller will be bound by the terms and conditions of such Electronic Transactions. When using Loan Selling Advisor, the Seller will make on-screen selections by “clicking on” certain designated items, icons or buttons to signify the Seller’s selection and/or agreement with various terms and conditions presented within Loan Selling Advisor. The Seller’s Electronic Signature includes, but is not necessarily limited to, the process or action of "clicking on" such designated items, icons or buttons. (b) System security Without limiting the provisions of Chapter 2401, Freddie Mac, in its sole discretion, will provide Sellers, Document Custodians and Warehouse Lenders with, or require Sellers, Document Custodians and Warehouse Lenders to create, user IDs, passwords, personal identification numbers and/or access codes, as applicable, to permit secure access to Loan Selling Advisor®. Sellers, Document Custodians and Warehouse Lenders must adopt security Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-8 measures in accordance with Sections 1302.2, 1401.2(c), 1401.2(d), 2401.1 and 2403.2(a)(vii), as applicable. When a previously authorized user’s access must be terminated, the Seller, Document Custodian or Warehouse Lender must revoke the authorized user’s access as described in Section 2403.2(b). Alternatively, if the Seller, Document Custodian or Warehouse Lender is not enrolled in Freddie Mac Access Manager, they may request termination of access of a previously authorized employee by notifying Freddie Mac at [email protected]. Freddie Mac will make commercially reasonable efforts to prevent the terminated employee from accessing Loan Selling Advisor promptly after the initial request, but cannot guarantee that it can prevent that employee from accessing Loan Selling Advisor before access has been terminated. Although Freddie Mac reserves the right to verify the information relating to any new authorized user identified, neither the Seller, Document Custodian nor Warehouse Lender may consider our failure to do so an act of negligence. (c) Access to copies of transaction records The Seller acknowledges and agrees that its ongoing access to copies of Records and Electronic Records related to any Electronic Transactions, as those terms are defined in Chapter 1401, conducted by the Seller using Loan Selling Advisor® will be: ■ Paper copies the Seller prints out using the Seller’s computer print capabilities and its printer; or ■ Electronic copies the Seller is able to download to its computer or copy to a disk Accordingly, the Seller assumes responsibility for obtaining and retaining copies of any such Records and Electronic Records for the Seller’s future reference. If the Seller is unable to print, download or copy any of the Records or Electronic Records, the Seller may contact Freddie Mac for assistance in obtaining copies of the Electronic Records that Freddie Mac may have stored. Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-1 Chapter 2404: System-Specific Licenses for Servicing Tools and Systems 2404.1: System-Specific License for Specifications (12/17/25) This section contains requirements related to: ■ Scope and applicability ■ Definitions ■ Provision of the Specifications; development and use of the Interface ■ Representations and warranties (a) Scope and applicability The Specifications are licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first receipt of any Specifications on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License and the Master Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific License and the Master Systems License. Notwithstanding any applicable Purchase Document, the Servicer shall only access and use a Servicing Tool with Authentication Credentials and other Confidential Means of Access that are specifically assigned or provisioned to an Authorized User by means of a System. (b) Definitions The definitions below apply for purposes of this System-Specific License. Capitalized terms used but not defined in this System-Specific License have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide: Definitions related to the System-Specific License for specifications C Consumer Message A finding or message developed by the Seller/Servicer that is readily understood by a consumer and is made available to Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-2 such consumer by the Seller/Servicer through the Lender Platform I Interface One or more technical or user interfaces developed, owned and/or maintained by or on behalf of the Seller/Servicer that enables Users to communicate with and use one or more Systems through the transmission and receipt of data and other information to and from, each such System by means of the Lender Platform L L L2C Specifications Any lender-to-consumer Specifications provided to the Seller/Servicer that enable it to develop Consumer Messages Lender Platform A custom or other Servicing technology platform (including any web-based application, software or system, as well as each Interface and all releases, upgrades and other modifications thereto) developed, owned and/or maintained by or on behalf of the Seller/Servicer Lender Test Materials The meaning is set forth in Section 2404.1(c)(v) S Specifications The specifications, including L2C Specifications, integration guides and any related technical documentation provided by or on behalf of Freddie Mac to enable the development and maintenance of each Interface and Consumer Message, as applicable, including any Specification Update Specification Update The meaning is set forth in Section 2404.1(c)(iii) (c) Provision of the Specifications; development and use of the Interface i. Freddie Mac may provide discrete sets of Specifications to the Seller/Servicer to facilitate the Seller/Servicer’s development of Consumer Messages and one or more Interfaces relating to one or more Systems. Each set of Specifications is incorporated into this System-Specific License by this reference and constitutes confidential information for purposes of Sections 1201.8 and 2401.1(g)(i). Note: The terms and conditions of this System-Specific License shall apply to all Specifications separately provided by Freddie Mac. Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-3 ii. The Seller/Servicer shall develop and maintain the Interface and each Consumer Message solely and exclusively at its own direction, cost and expense, and shall have complete and exclusive ownership of the Interface subject to the license set forth in Section 2404.1(c)(vii). iii. The Seller/Servicer shall be solely responsible for the accuracy, technical sufficiency and functionality of the Interface. The Interface shall at all times comply in all respects with the Specifications, including any modifications to or replacements of the Specifications (each such modified or replaced version of a Specification referred to herein as a “Specification Update”) as Freddie Mac may undertake from time to time. iv. The Seller/Servicer shall be solely responsible for the accuracy of each Consumer Message, each of which shall at all times comply in all respects with (i) the Specifications, including the L2C Specifications, and (ii) all federal, State and local laws, rules and regulations applicable to a Consumer Message, including, without limitation, the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act and the Home Mortgage Disclosure Act and each of their implementing regulations and commentary, as applicable. Freddie Mac has the right, but not the obligation, to review and comment on each Consumer Message. The Seller/Servicer shall promptly make (or cause to be made) any modifications to a Consumer Message that Freddie Mac may request, and in no event shall any Consumer Message contain any (x) Output, including, without limitation, any credit risk categorization, or (y) reference to Freddie Mac or a System which reference has not previously been approved in writing by an officer of Freddie Mac. v. Except as set forth below in Section 2404.1(c)(vi), the Seller/Servicer and Freddie Mac may mutually agree to test the Seller/Servicer’s implementation of the Specifications. In such event, Freddie Mac may retain a third-party vendor to perform such testing on Freddie Mac’s behalf, and the Seller/Servicer shall provide to Freddie Mac and/or its vendor (A) one access privilege or one copy of the Lender Platform, (B) one copy of each export and any other file (including any Consumer Message), along with any associated documentation that includes the results of the Seller/Servicer’s testing (collectively with the Lender Platform, the “Lender Test Materials”) and (C) reasonable assistance in such testing. The Seller/Servicer shall use commercially reasonable efforts to correct any defects in the Interface revealed by any such testing. In addition to the foregoing, the Seller/Servicer will correct any “bugs” or other defects in the Interface promptly after it receives notice thereof from Freddie Mac. vi. Freddie Mac periodically provides Specification Updates to the Seller/Servicer, which the Seller/Servicer shall implement in accordance with the timelines and testing requirements (if any) set forth in each Specification Update: (A) Freddie Mac will provide the Seller/Servicer with as much notice as is practicable under the circumstances with respect to each Specification Update, including any Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-4 such update that Freddie Mac directs the Seller/Servicer to implement on an emergency basis (B) If Freddie Mac does not specify an implementation timeline for a Specification Update, the implementation date shall be ninety (90) days after publication of the Specification Update (C) If a Specification Update sets forth testing requirements, the Seller/Servicer shall not implement an associated version of its Interface or any related Consumer Message until Freddie Mac has successfully conducted its review and, as applicable, testing with the Seller/Servicer vii. The Seller/Servicer hereby grants to Freddie Mac a royalty free, nonexclusive, nontransferable license to use the Lender Test Materials for testing and evaluation purposes as permitted under this Section 2404.1(c). (d) Representations and warranties In addition to representations and warranties made and otherwise referenced in the Master Systems License, the Seller/Servicer represents and warrants to Freddie Mac that: i. The Interface will comply with the Specifications ii. Each Consumer Message will comply with all laws and regulations as set forth in Section 2402.1(c)(iv) iii. The Interface will accurately transmit to the System all data and information input into the Interface, iv. The Lender Platform will not violate any patents, copyrights or other proprietary rights belonging to third parties and v. The Seller/Servicer will use its best efforts to ensure that the Lender Platform will at all times be and remain free of computer viruses and any code designed to cause the System to malfunction or self-destruct or to allow unauthorized access or cause harm to the System 2404.2: System-Specific License for Servicing Tools (04/08/26) This section contains requirements related to: ■ Scope and applicability Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-5 ■ Definitions (a) Scope and applicability The collection of Servicing Tools identified in this Section 2404.2 and their associated services are licensed pursuant to this System-Specific License, other System-Specific Licenses referenced in this Section 2404.2, and the Master Systems License. Immediately upon a User’s first access to any such Servicing Tool on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License (and, as applicable, any other System-Specific License governing such System) and the Master Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific License and the Master Systems License. Notwithstanding any applicable Purchase Document, the Seller/Servicer shall only access and use a System with Authentication Credentials and other Confidential Means of Access that are specifically assigned or provisioned to an Authorized User by means of a System. Notwithstanding anything to the contrary in Section 2401.1(c), the Servicer shall use a System only in connection with Mortgages that Freddie Mac owns or guarantees. (b) Definitions Capitalized terms: Capitalized terms used but not defined in this System-Specific License have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide. Defined terms: The definitions in the table below apply for purposes of this System-Specific License. Capitalized terms used but not defined in this System-Specific License have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide. Definitions related to the System-Specific License for Servicing Tools A Alternative Collateral Deal (ACD) ACD is a System licensed pursuant to this System-Specific License that Authorized Users may use to report on T-Deal and Z-Deals (i.e., those pertaining to reperforming and non-performing loans). B BPOdirect BPOdirect is a System licensed pursuant to Section 2406.1(b) and 2406.1(c). Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-6 C Cash Manager Cash Manager is a System licensed pursuant to this System- Specific License that Authorized Users may use to receive certain reports that provide insight on amounts Freddie Mac will draft from the P&I Custodial Account throughout the month. D Default Fees Appeal System (“DFAS”) DFAS is a System licensed pursuant to this System-Specific License that Authorized Users may use to obtain information regarding foreclosure-related compensatory fees, file appeals and monitor the status of Freddie Mac’s review of such appeals. E EDR EDR is a System licensed pursuant to this System-Specific License that Authorized Users may use to report required delinquency or bankruptcy data on Freddie Mac Mortgages. L Loan Level Reporting (“LLR”) LLR is a System licensed pursuant to this System-Specific License that Authorized Users may use to report monthly loan level transactions on performing and non-performing loans. P PAID (Payments Automated Intelligent and Dynamic) PAID is a System licensed pursuant to Chapter 2405. Post-Fund Data Correction tool (“PFDC”) PFDC is a System licensed pursuant to this System-Specific License that Authorized Users may use to correct and access data on the Seller/Servicer’s Mortgages, which data had been previously entered into Loan Selling Advisor®. R Real Estate Valuation and Pricing (“REVP”) REVP is a System licensed pursuant to this System-Specific License that Authorized Users may use to obtain estimated market values, minimum net proceeds for short sale transactions, and credit bid amounts for a foreclosure sale that Freddie Mac will accept for a third-party sale. Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-7 Resolve® Resolve is a System licensed pursuant to Section 2404.3 that Authorized Users may use to assess Borrowers for relief and workout options and alternatives to foreclosure and which facilitates certain reporting functionality with respect to the foregoing. S Servicing Data Corrections (“SDC”) SDC is a System licensed pursuant to this System-Specific License that Authorized Users may use to electronically submit data correction requests related to adjustments to third-party foreclosure sales, short sales, charge-offs, mortgage modification settlements, ARM rates, modifications to principal and interest payments and rollbacks. Servicer Performance Profile (“SPP”) SPP is a System licensed pursuant to this System-Specific License that Authorized Users may use to gain insight into Servicing performance using several tools, including: ■ Servicer Success Scorecard – A confidential monthly performance review for all Servicers which measures a Servicer’s performance based on key criteria in several categories, including investor reporting and remitting, and default management ■ Manager Series Reports – Various reports that contain high- level summary and loan-level detail data to give a Servicer additional insight into its performance results, including results reflected on their Servicer Success Scorecard. Reports are accessible via corresponding tiles in the SPP such as “Default Reporting,” “Repayment Plans,” “Modifications,” “Incentives,” “Timelines,” “Liquidations,” “Foreclosures” and “REO.” Servicing Transfer Manager (“STM”) STM is a System licensed pursuant to this System-Specific License that Authorized Users may use to manage Subsequent Transfers of Servicing and Intra-Servicer Portfolio Moves (as defined by Section 7101.1(b)(v)). T Total MI Total MI is a System licensed pursuant to this System-Specific License that Authorized Users may use to manage certain mortgage insurance processes including, but not limited to, reconciliations, claims and cancellations. Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-8 2404.3: System-Specific License for Resolve® (04/08/26) This section contains requirements related to: ■ Scope and applicability ■ Definitions ■ Limitation on Authorized Users ■ Relation to Chapters 8301, 9203, 9204, 9206, 9209, 9210 and 9301 (“Loss Mitigation Business Rules”) ■ Consumer Credit Data; Limited Agency ■ Additional representations and warranties ■ Conditional waiver liability (a) Scope and applicability Resolve® is the System licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Resolve on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License and the Master Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific License and the Master Systems License. (b) Definitions The definitions below apply for purposes of this System-Specific License. Any capitalized term used but not defined in this System-Specific License shall have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide. (c) Limitation on Authorized Users Notwithstanding anything to the contrary in Section 2401.1, only employees of a Seller/Servicer, a Servicing Agent or other Related Third Party shall be Authorized Users under Section 2401.1, the Guide and other Purchase Documents. Accordingly, and for the avoidance of doubt, Seller/Servicer shall provide or make access to the System available only to its employees, employees of its Servicing Agents and other Related Third Parties, subject Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-9 to the limitations and requirements of Section 2401.1, the Guide and other Purchase Documents. (d) Relation to Chapters 8301, 9203, 9204, 9206, 9209, 9210 and 9301 (“Loss Mitigation Business Rules”) This Section 2404.3 is in addition to and not in limitation of the Loss Mitigation Business Rules, which address various rights and obligations associated with Servicer’s loss mitigation and other Servicing undertakings on behalf of Freddie Mac by means of the System. Notwithstanding the foregoing: i. The Seller/Servicer may not deem Freddie Mac to have reviewed the terms of any approved loss mitigation solution for compliance with the Seller/Servicer’s obligations under the Guide or other Purchase Documents, or to have approved any loss mitigation solution or their terms based on the Seller/Servicer’s use of the System, including, without limitation: ■ The System’s generation of terms for any reinstatement, relief, retention or liquidation solution, ■ Freddie Mac’s settlement in its systems of any such solution entered into by the Seller/Servicer under its delegated authority or expanded delegated authority in accordance with a Freddie Mac approval of an exception, or ■ Freddie Mac’s notification that the loss mitigation solution has been processed in Freddie Mac’s systems via the Loan Modifications processed report or the Charge Off processed report ii. The Seller/Servicer may not deem Freddie Mac to have reviewed the terms of a Trial Period Plan or modification agreement for compliance with the Servicer’s obligations under the Guide or other Purchase Documents or to have approved a Trial Period Plan or modification or their terms based on the Seller/Servicer’s use of the System including, without limitation: ■ The System’s generation of terms for a Trial Period Plan or modification agreement ■ Freddie Mac’s settlement on its systems of a modification entered into by the Servicer under its delegated authority or expanded delegated authority in accordance with a Freddie Mac approval of an exception, or ■ Freddie Mac’s notification that the modification has been processed in Freddie Mac’s systems via the Loan Modifications Processed report (e) Consumer Credit Data; Limited Agency Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-10 1. In connection with its use of the System as permitted in the Documentation, the Seller/Servicer may obtain and/or access consumer credit data as that term is defined in State and federal fair credit reporting laws (i.e., "Consumer Credit Data"), including through requesting and obtaining consumer credit reports in which Consumer Credit Data is embedded (each, a "Credit Report") from a credit repository or credit bureau (each a "Credit Reporting Agency"). 2. With respect to any Credit Report or other Consumer Credit Data obtained and/or accessed by or through the System, the Seller/Servicer hereby: i. Certifies that it has a permissible purpose under applicable State and federal fair credit reporting laws to use the Credit Report and/or other Consumer Credit Data, ii. Authorizes the System, on behalf of the Seller/Servicer, to retrieve, process, assess and/or store the Credit Report and/or other Consumer Credit Data, and/or share the Credit Report and/or other Consumer Credit Data with its Related Third Parties, iii. Appoints the System as its limited agent for the sole purpose of having the System effect such Credit Report and/or other Consumer Credit Data retrieval, processing, assessment, storage and/or sharing with the Seller/Servicer and/or its Related Third Parties, and iv. Ratifies and affirms its compliance with (a) the federal Fair Credit Reporting Act and its implementing regulations, and (b) any applicable State law and regulation 3. This System-Specific License does not create any principal or agency relationship other than the limited agency set forth herein, and (except with respect to its agency relationship required under Section 2401.1(e)(iii) of the Master Systems License) the Seller/Servicer shall not assert or represent to any third party the existence of any other principal or agency relationship arising from or in connection with this System-Specific License or otherwise 4. The Seller/Servicer acknowledges and agrees that Credit Reports and any other Consumer Credit Data constitute System Data for purposes of Chapter 2401 (f) Additional representations and warranties In addition to representations and warranties made and otherwise referenced in the Master Systems License, the Seller/Servicer represents and warrants to Freddie Mac that all data input into the System is true, complete and accurate and that all data is entered correctly. (g) Conditional waiver of liability With respect to a Mortgage for which the System is used to generate a recommended loss mitigation solution, if the Seller/Servicer is and remains in full compliance with the conditions set forth below, it will have no liability to Freddie Mac resulting from its Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2404 As of 04/08/26 Page 2404-11 reasonable reliance on the accuracy of System calculations as evidenced by Resolve Output associated with the submission of that Mortgage to the System; provided, however, that the Seller/Servicer meets the following conditions (1) as of the submission date of all data and information required by the System for generation of Output with respect to that Mortgage, and (2) continuing through the Seller/Servicer’s final execution of the System’s recommended loss mitigation solution for such Mortgage: ■ All data, including, if applicable, Consumer Credit Data, entered into the System (I) is true, complete and accurate, (II) has been verified by the Seller/Servicer in accordance with the Loss Mitigation Business Rules, and (III) meets all eligibility and other requirements captured in the Loss Mitigation Business Rules ■ The Mortgage has successfully passed the eligibility requirements for an approved loss mitigation solution by the System ■ Prior to the final execution of the recommended loss mitigation solution for the Mortgage, the Seller/Servicer has resolved to Freddie Mac’s satisfaction all verification messages or conditions specified on the Feedback Certificate and any other Output ■ Prior to the execution of the recommended loss mitigation solution for the Mortgage, the Seller/Servicer has verified that all data and information on which the case submission was based remains unchanged for that Mortgage ■ The recommended loss mitigation solution is executed for that Mortgage in accordance with applicable requirements set forth in the Loss Mitigation Business Rules, including but not limited to, with the requirements of State mandated loan modification programs ■ The Seller/Servicer is in compliance with the Loss Mitigation Business Rules and all other provisions of the Guide, except with respect to calculations performed by the System; and ■ Without limiting the generality of Section 2401.1(h)(ii), the Seller/Servicer is and remains in compliance with all federal, State and local laws, rules and regulations applicable to its activities in connection with which the System is used Freddie Mac Single-Family Seller/Servicer Guide Chapter 2405 As of 04/08/26 Page 2405-1 Chapter 2405: PAID (Payments Automated Intelligent and Dynamic)

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