Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic Transactions and access

Freddie Mac Single-Family Seller/Servicer Guide Section 2405.2 — Electronic Transactions and access

2405.2: Electronic Transactions and access (12/17/25) This section contains information related to: ■ Defined terms ■ Consent to conduct Electronic Transactions ■ Access to copies of Electronic Transaction Records ■ User access requirements (a) Defined terms The following terms used in this Chapter are defined in Chapter 1401: Defined terms E Electronic Record A “Record” created, generated, sent, communicated, received, or stored by “Electronic” means, as defined in the “UETA” and/or “E-SIGN.” The term also includes a paper document converted into an Electronic Record. Electronic Signature An “Electronic” sound, symbol or process attached to, or logically associated with, a contract or other “Record” and executed or adopted by a person with the intent to sign the “Record,” as defined in the “UETA” and/or “E-SIGN” Electronic Transaction An action or set of actions occurring between two or more persons relating to the conduct of business, commercial, or governmental affairs, using “Electronic” means, as defined in the “UETA” and/or “E-SIGN” Freddie Mac Single-Family Seller/Servicer Guide Chapter 2405 As of 04/08/26 Page 2405-9 R Record Information that is inscribed on a tangible medium or that is stored in an electronic or other medium and is retrievable in perceivable form as defined in the “UETA” and/or “E-SIGN.” A Record may be a paper or an “Electronic” document. S System All computers, servers, fax machines, other Electronic devices, hardware, websites, internet, private networks, telephone lines or wireless communications, together with software applications, security measures, proprietary coding, interfaces and/or connectivity used to create, present, sign, transfer, transmit, send, submit, deliver, receive, retrieve maintain and/or store Records, Electronic Records or Electronic Signatures in order to engage in and/or conduct Electronic Transactions (b) Consent to conduct Electronic Transactions Servicer consents to conduct Electronic Transactions with Freddie Mac using PAID including, but not limited to: ■ Records ■ Electronic Records; and ■ Electronic Signatures All such transactions shall be conducted in accordance with Chapter 1401 and the Servicer agrees to be legally bound by the terms and conditions of such Electronic Transactions. When using PAID, the Servicer will make on-screen selections by “clicking on” certain designated terms, items, icons or buttons to signify Servicer’s agreement with various terms and conditions presented within PAID. Servicer’s Electronic Signature, includes, but is not necessarily limited to, the process or action of “clicking on” such designated items, icons or buttons. (c) Access to copies of Electronic Transaction Records The Servicer acknowledges and agrees that its ongoing access to copies of Records and Electronic Records related to any Electronic Transactions conducted by Servicer using PAID will be: ■ Paper copies Servicer prints out using its Systems, print capabilities and its printer; or Freddie Mac Single-Family Seller/Servicer Guide Chapter 2405 As of 04/08/26 Page 2405-10 ■ Electronic copies Servicer is able to download to its computer or copy to a disk or other Electronic device Accordingly, the Servicer assumes responsibility for obtaining and retaining copies of any such Records and Electronic Records for Servicer’s future reference. If the Servicer is unable to print, download or copy any of the Records or Electronic Records, the Servicer may contact Customer Service at 800-FREDDIE and select option four for Servicing for assistance in obtaining copies of the Electronic Records. (d) User access requirements Servicer acknowledges and agrees that Freddie Mac has provided Servicer with written or Electronic, as defined in Chapter 1401, information that describes the minimum hardware, software, browser and other internet connectivity requirements necessary to conduct Electronic Transactions, as defined in Chapter 1401, with Freddie Mac using PAID. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2406 As of 12/17/25 Page 2406-1 Chapter 2406: Additional Servicing Tools and Systems

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