Freddie Mac Single-Family Seller/Servicer Guide 8102 — Servicers and Servicing Agents 8102.1 Managing Servicing Agents (12/17/25)

This section contains information related to: ■ Servicer’s and Servicing Agent’s rights and responsibilities ■ Requirements for termination and transfer of Subservicing Agreement ■ Approval to use Servicing Agents ■ Review of Servicing Agent ■ Oversight and surveillance ■ Management experience of Master Servicer ■ Outsourced Vendors

(a) Servicer’s and Servicing Agent’s rights and responsibilities The Servicer must: ■ Service Mortgages purchased by Freddie Mac in accordance with the requirements of applicable law and the Purchase Documents ■ Service Government Mortgages and Mortgages covered by mortgage insurance in accordance with the Servicing requirements of the Purchase Documents and the applicable FHA, VA, RHS or MI requirements. To the extent that those requirements may conflict with the Purchase Documents, the FHA, VA, RHS or MI requirements, as applicable, will control. A Seller that is not also a Servicer must enter into a Concurrent Transfer of Servicing to a Transferee Servicer in accordance with the requirements of Chapter 7101. The Servicer may request approval of a Transfer of Servicing to a Transferee Servicer or designate another Servicer as its Servicing Agent. A Servicing Agent must be an approved Freddie Mac Servicer and must comply with all Freddie Mac Servicing requirements set forth in the Guide and other applicable Purchase Documents containing Servicing requirements (e.g., Servicing provisions that amend the Guide). A fully executed Form 479A, Single-Family Servicing Agent Certification and Agreement, that has been approved and acknowledged by Freddie Mac is a Purchase Document. The Master Servicer and the Servicing Agent agree and acknowledge that the Servicing Agent is only authorized to review and use Mortgage data (including, but not limited to, reviewing and using data through access to any Freddie Mac Servicing Tool available through Freddie Mac Gateway®) related to the Mortgages for which the Servicing Agent has been engaged to perform the Servicing obligations of the Master Servicer. Notwithstanding Freddie Mac’s written approval of a Servicing Agent, in accordance with the provisions of this Section 8102.1, and notwithstanding the actual performance by the Servicing Agent of all or a portion of the Master Servicer’s Servicing responsibilities, Servicing Agent and Master Servicer agree: ■ That they are jointly and severally liable to Freddie Mac and shall indemnify, defend and hold Freddie Mac harmless from and against any and all loss, damage or expense, including court costs and attorney fees arising out of or relating to the Master Servicer’s failure to comply with any Servicing requirement in the Guide or other applicable Purchase Documents that is a result of, or caused by, the Servicing Agent’s failure to comply with any Servicing requirements within the scope of its Subservicing Agreement or violation of its representations, warranties, covenants and agreements set forth in its executed Form 479A and ■ That Freddie Mac may exercise any and all rights and remedies available under the Guide, other applicable Purchase Documents and applicable law against either or both the Master Servicer and/or the Servicing Agent for any such Servicing violation(s), provided that under no circumstances will Freddie Mac be entitled to any duplicative recovery. The Master Servicer shall continue to be responsible and liable to Freddie Mac for all Servicing requirements and all representations and warranties, in accordance with the terms of the Purchase Documents. Each Master Servicer and its Servicing Agent agree and fully understand that: ■ The Master Servicer must disclose all relevant Purchase Documents containing Servicing requirements to its Servicing Agent prior to execution of Form 479A ■ The Master Servicer must maintain systems and/or processes to effectively manage and oversee its Servicing Agent’s performance under both the Subservicing Agreement and Form 479A executed by both the Master Servicer and Servicing Agent whereby the Servicing Agent, among other things, agreed to service the Mortgages in accordance with the Servicing requirements of the Purchase Documents ■ The Servicing Agent’s rights under the Subservicing Agreement are subject and subordinate in all respects to all rights, powers and prerogatives of Freddie Mac under the Purchase Documents, at law and in equity. The Guide and any applicable Purchase Document containing Servicing requirements shall supersede any inconsistent requirement or provision set forth in the Subservicing Agreement between the Master Servicer and Subservicing Agent. The Servicing Agent’s rights under the Subservicing Agreement are without recourse to Freddie Mac of any kind whatsoever, such that the Servicing Agent’s rights to perform the subservicing functions and to be compensated for the same (but not the Servicing Agent’s indemnification rights, if any, against the Master Servicer) all pursuant to the Subservicing Agreement, are subject to extinguishment at any time. Freddie Mac’s rights, powers and prerogatives include, without limitation, Freddie Mac’s right to: ❑ Suspend or terminate the Servicing Contract and related Servicing Contract Rights with the Master Servicer (in whole or in part, and with or without cause) ❑ Suspend or terminate the Master Servicer and/or the Servicing Agent as an approved Freddie Mac Seller/Servicer (whether with or without cause); and/or ❑ Terminate and/or transfer the Servicing Contract and related Servicing Contract Rights related to any Mortgage without regard to any provisions set forth in a Subservicing Agreement purporting to restrict Freddie Mac’s rights, including, without limitation, any purported rights of first offer, rights of first refusal or other similar rights in favor of the Servicing Agent or any other third party with respect to, in whole or in part, the contractual rights to service Mortgages subject to a Subservicing Agreement for Freddie Mac ■ The Servicing Agent has no right to assume any part or the entirety of the Master Servicer’s Servicing Contract with Freddie Mac ■ The Servicing Agent has no right to suspend or terminate Freddie Mac’s Servicing Contract with the Master Servicer (whether in whole or in part, and with or without cause) or the right to suspend or terminate the Master Servicer as an approved Freddie Mac Seller/Servicer or Servicer (whether with or without cause) ■ The Servicing Agent has no right to enter into a Transfer of Servicing or other agreement to transfer any rights or obligations under the Subservicing Agreement to a third party ■ The Servicing Agent is not a third-party beneficiary of any of the Purchase Documents between Freddie Mac and the Master Servicer ■ Freddie Mac is a third-party beneficiary of the Subservicing Agreement with respect to the rights of the Master Servicer and the duties and obligations owed by the Servicing Agent under the Subservicing Agreement with respect to the Mortgages serviced for Freddie Mac ■ The Servicing Agent has no rights, title or interest in the Servicing Contract between Freddie Mac and its Master Servicer or in any related Servicing Contract Rights ■ The Servicing Agent may only make any claims against Freddie Mac, arising out of or relating to its Subservicing Agreement or the Mortgages, through the Master Servicer ■ In any legal action or proceeding to defend or enforce Freddie Mac’s rights with respect to Servicing the Mortgages under the applicable Purchase Documents or Freddie Mac’s rights as a third-party beneficiary of the Subservicing Agreement, the prevailing party shall be entitled to recover reasonable attorney fees, court costs and expenses ■ The Master Servicer and Servicing Agent’s execution of Form 479A and submission of the Annual Certification Report constitutes both the Master Servicer’s and its Servicing Agent’s express written consent to permit Freddie Mac to have access to, or to have disclosed to Freddie Mac, and to receive copies of: ❑ Any and all Mortgage records pertaining to any Mortgage serviced by the Master Servicer and subserviced by its Servicing Agent ❑ The Subservicing Agreement, and ❑ Any and all other records, document, files, information and data maintained or held by the Servicing Agent (or by others on the Servicing Agent’s behalf), which Freddie Mac considers necessary or desirable to determine or assess the correctness and completeness of the Mortgage records pertaining to any Mortgage serviced by the Master Servicer and subserviced by the Servicing Agent. Freddie Mac examines the records, documents, files, information and data to ensure that the Master Servicer and Servicing Agent are complying with the requirements of the Purchase Documents and that nothing in this consent shall diminish in any way Freddie Mac’s ownership interest in and right to the Mortgage file and all data pertaining to the Mortgage. ■ On or before the 20th day (or if such day is not a Business Day, then the next Business Day) of each calendar month, the Master Servicer must provide Freddie Mac (see Directory 3) with a written report containing: ❑ Any notice of default or event of default under the Subservicing Agreement received or sent by the Master Servicer ❑ Any notice of an act, event or circumstance indicating that, with the passage of time, without cure of such act, event or circumstance, there would be an event of default under the Subservicing Agreement received or sent by the Master Servicer, and ❑ Such other information or documents that Freddie Mac may request with respect to the Subservicing Agreement or the Mortgages, all in form and substance acceptable to Freddie Mac, to the extent that such other information or documents may be requested of other Servicers or Servicing Agents ■ If the Servicing Agent provides notice to the Master Servicer of: ❑ A default or event of default under the Subservicing Agreement, or ❑ An act, event or circumstance indicating that, with the passage of time without cure would become an event of default under the Subservicing Agreement, then the Servicing Agent will also provide a copy of such notice to Freddie Mac (see Directory 3) The Servicing Agent must also provide Freddie Mac (see Directory 3) with a written report from time to time upon request from Freddie Mac, containing such other information or documents as Freddie Mac may request with respect to the Subservicing Agreement or the Mortgages, all in form and substance acceptable to Freddie Mac, to the extent that such other information or documents may be requested of other Servicing Agents; and ■ Except as expressly required under the Guide or other applicable Purchase Document, Freddie Mac has no duty to provide notice to or otherwise deal with the Servicing Agent

(b) Requirements for termination and transfer of Subservicing Agreement (i) Termination or expiration of Subservicing Agreement A Master Servicer must notify Freddie Mac (see Directory 3) in the event its Subservicing Agreement with an approved Servicing Agent expires or is terminated by either party within one Business Day of such an expiration or termination by submitting a new Form 479A. When the Form 479A is submitted, the Master Servicer must notify Freddie Mac as to whether the Master Servicer will service the designated Mortgages or the Master Servicer intends to engage a new Servicing Agent. (ii) Suspension or disqualification of the Master Servicer or termination of Servicing If Freddie Mac suspends or disqualifies the Master Servicer as an approved Freddie Mac Seller/Servicer or terminates the Master Servicer’s Servicing Contract and related Servicing Contract Rights, then, notwithstanding any provision in the Subservicing Agreement entered into by and between the Master Servicer and an approved Servicing Agent with respect to the Servicing of Mortgages for Freddie Mac, Servicing Agent agrees that any such Subservicing Agreement shall, without notice, demand or other action, immediately terminate and be of no further force and effect. Example: Any purported rights of first offer, rights of first refusal or other similar rights in favor of the Servicing Agent or any other third party with respect to, in whole or in part, the contractual rights to service for Freddie Mac the Mortgages shall also immediately terminate upon termination of the Subservicing Agreement and be of no further force and effect. Immediately following any such event, the Master Servicer and the Servicing Agent shall work with Freddie Mac to transfer all Mortgage file documents and Servicing records in accordance with Freddie Mac’s instructions and do any and all other acts that Freddie Mac, in its sole discretion, deems necessary to facilitate a Transfer of Servicing to another Servicer designated by Freddie Mac. In such event, Freddie Mac, at its sole discretion, may contract separately with the Servicing Agent for the Servicing of the Mortgages that the Master Servicer was previously responsible for Servicing, and the Servicing Agent agrees to assume primary responsibility for Servicing such Mortgages in accordance with the terms of the Purchase Documents. Notwithstanding any provision to the contrary in any Subservicing Agreement, in the event of the suspension, disqualification or termination of the Servicing Agent as a Freddie Mac Servicer, then any such Subservicing Agreement shall, without notice, demand or other action, immediately terminate and be of no further force and effect with respect to Freddie Mac Mortgages. Immediately following any such suspension, disqualification or termination, the Master Servicer and the Servicing Agent (as may be appropriate) shall execute and transfer all such Mortgage file documents and Servicing records and do all such acts as the Master Servicer may deem necessary to facilitate a transfer back to the Master Servicer or to a new Servicing Agent selected by the Master Servicer, provided Freddie Mac’s approval of the new Servicing Agent has been obtained in accordance with this Section 8102.1, of all of the Servicing Agent’s Servicing obligations with respect to the Mortgages. (iii) Transfer of records, document custody requirements and transfers of funds Whenever the performance of a Master Servicer’s Servicing obligations with respect to a Mortgage or group of Mortgages is to be undertaken by a new Servicing Agent or will be undertaken directly by a Master Servicer following the termination or expiration of a Subservicing Agreement with its former Servicing Agent, the Master Servicer and the Servicing Agent shall comply with the requirements of Section 8102.2. (iv) Master Servicer indemnification of Freddie Mac The Master Servicer shall, and hereby agrees to, indemnify Freddie Mac from and against any losses, damages, claims or expenses (including court costs and reasonable attorney fees) incurred by Freddie Mac as a direct or indirect consequence of the Servicing Agent’s bankruptcy, insolvency or failure to comply with any of the requirements of the Purchase Documents.

(c) Approval to use Servicing Agents A Master Servicer may not engage more than one Servicing Agent for Freddie Mac Mortgages being serviced under a particular Freddie Mac Seller/Servicer number at any one time. A Master Servicer must obtain Freddie Mac’s written approval to use a Servicing Agent before the Servicing Agent may commence any Servicing activities on behalf of the Master Servicer. Example: A Seller/Servicer that intends to engage a Servicing Agent to perform all Servicing obligations on behalf of the Seller/Servicer must obtain Freddie Mac’s written approval to use that Servicing Agent prior to delivery of a Mortgage to Freddie Mac that it intends to be serviced by the Servicing Agent. In addition, with respect to a Concurrent or Subsequent Transfer of Servicing, a Transferee Servicer that intends to use a Servicing Agent with respect to the transferred Servicing Contract and Servicing Contract Rights of the related Mortgages must obtain Freddie Mac’s written approval before the Servicing Agent commences any Servicing activities on behalf of the Transferee/Master Servicer. To request approval, the Master Servicer must submit a Form 479A to Freddie Mac (see Directory 3) executed by both the Master Servicer and the Servicing Agent. Freddie Mac reserves the right to disallow use or rescind authorization of any Servicing Agent that it has determined does not service Mortgages in accordance with the Servicing Contract. See Section 1402.5(a)(ii) for additional requirements applicable to the subservicing of eMortgages (as defined in Section 1402.1(b)), including, but not limited to, a Servicing Agent’s use of a Master Servicer’s approved eNote Vault System (as defined in Section 1402.1(b)). (Note: An eMortgage Servicing Agent may use its own eNote Vault System, provided that the eMortgage Servicing Agent is separately approved to service eMortgages for Freddie Mac.) Freddie Mac will indicate approval, if appropriate, by sending an e-mail with written confirmation of the approval of the submitted Form 479A. Freddie Mac’s approval is effective until a new Form 479A is received indicating a new Servicing Agent or the Master Servicer as responsible for Servicing the Mortgages. Relationships between a Master Servicer and Servicing Agent that are dormant for a year (e.g., no Servicing activity is performed by the Servicing Agent) will be terminated. Note: See Section 2401.1(f) regarding requirements relating to Servicing Agent access to Freddie Mac Servicing Tools.

(d) Review of Servicing Agent Before submitting the executed Form 479A, the prospective Master Servicer must carefully review the proposed Servicing Agent’s procedures, methods of operation and minimum security standards, as set forth in Sections 1401.2(c) and 1401.2(d), for compliance with Freddie Mac’s requirements. By submitting a Form 479A and proposing to use a particular Servicing Agent, the prospective Master Servicer shall be deemed to represent and warrant to Freddie Mac that it has carefully reviewed the Servicing Agent’s procedures, methods of operation and minimum security standards for compliance with Freddie Mac’s requirements and has determined that the Servicing Agent has demonstrated the ability to service Mortgages in accordance with such requirements by having satisfactorily serviced for a reasonable period of time an existing portfolio of Mortgages of the same types as the Mortgages to be serviced for Freddie Mac.

(e) Oversight and surveillance The Master Servicer must establish an oversight and surveillance program to monitor its Servicing Agent’s compliance with the Servicing requirements of the Guide and other Purchase Documents applicable to the Master Servicer. In establishing an oversight and surveillance program, a Master Servicer should consider adopting the best practices set forth in the Servicing Agent Oversight and Surveillance Program Best Practices document published on https://sf.freddiemac.com/docs/pdf/fact-sheet/master_surveillance.pdf.

(f) Management experience of the Master Servicer The Master Servicer must employ a seasoned Mortgage Servicing executive and experienced Mortgage Servicing staff to oversee the activities of the Servicing Agent, taking into consideration the volume of subserviced Mortgages and the complexity of the portfolio being serviced (e.g., non-performing high-risk Mortgages). When determining the experience level, Master Servicers should consider the average years of experience, education, qualifications and demonstrated ability of the employee in relation to their respective levels of responsibility.

(g) Outsourced Vendors Freddie Mac does not consider a Servicer’s use of an Outsourced Vendor to constitute the use of a Servicing Agent. In addition, the use of an Outsourced Vendor does not require Freddie Mac’s approval, unless otherwise provided in the Guide or the Servicer’s other Purchase Documents. Without limiting the Servicer’s responsibilities under Section 2401.1(e) with respect to Related Third Parties, the Servicer must ensure that the Outsourced Vendor has: ■ Systems and software applications that function accurately and in compliance with all applicable laws ■ Systems security that complies with Chapter 1302, industry standards and all applicable privacy and data breach laws ■ A business continuity plan in place, consistent with Section 1302.3, to maintain and restore the information within a pre-determined time frame for all Mortgages serviced for Freddie Mac in the event of a disaster or other interruption of business operations and processes, and ■ Processes and procedures to ensure prompt and accurate responses to Borrowers. A Servicer that uses an Outsourced Vendor domiciled in, or who provides services to the Servicer from, an offshore location (i.e., not in any State) must apply the same requirements and ensure the same level of service and compliance that is applicable to an Outsourced Vendor domiciled in and providing services to the Servicer from a State. Both the Master Servicer and its Servicing Agent must ensure that a Servicing Agent’s Outsourced Vendor complies with the Servicing requirements in the Guide and other Purchase Documents. The use of an Outsourced Vendor does not relieve the Servicer of any of Servicer’s responsibilities to Freddie Mac under the Purchase Documents. The Servicer shall continue to be responsible and liable to Freddie Mac for all the actions and omissions of any Outsourced Vendor used by the Servicer in accordance with the terms of the Purchase Documents.