Freddie Mac Single-Family Seller/Servicer Guide 2404.2 — System-Specific License for Servicing Tools

This section contains requirements related to: ■ Scope and applicability Freddie Mac Single-Family Seller/Servicer Bulletin ■ 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 C Cash Manager Cash Manager is a System licensed pursuant to this SystemSpecific 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 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 highlevel 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

(Future effective date 11/16/26) Refer to Bulletins 2026-G and 2026-11, which announced updates related to Freddie Mac’s new event-based default related reporting requirements. Beginning November 16, 2026, Servicers may implement the new requirements if they are operationally ready to do so. If a Servicer adopts the new event-based default related reporting standards before the mandatory effective date of September 27, 2027, it must comply with the associated Guide requirements that will be effective on September 27, 2027 and, upon such adoption, must discontinue monthly EDR reporting. This section contains requirements related to: ■ Scope and applicability ■ 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 Freddie Mac Single-Family Seller/Servicer Bulletin 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). C Cash Manager Cash Manager is a System licensed pursuant to this SystemSpecific 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 PAID is a System licensed pursuant to Chapter 2405. Freddie Mac Single-Family Seller/Servicer Bulletin Intelligent and Dynamic) 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. 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. Authorized Users may also use Resolve to report default related events on Freddie Mac Mortgages. 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 highlevel 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 Freddie Mac Single-Family Seller/Servicer Bulletin 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.