Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific Licenses
Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific Licenses.
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Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific Licenses
2402.2: System-Specific Licenses (04/08/26) Refer to Bulletin 2025-7, which announced the policy requirements for Uniform Appraisal Dataset (UAD) 3.6. Sellers may submit to the Uniform Collateral Data Portal® appraisal reports that use UAD 3.6 before the mandatory effective November 2, 2026 version of this section. This section contains requirements related to: ■ System-Specific License for Freddie Mac Gateway® ■ System-Specific License for Loan Product Advisor® ■ System-Specific License for Loan Quality Advisor® ■ System-Specific License for Loan Coverage Advisor® ■ System-Specific License for Loan Selling Advisor® (a) System-Specific License for Freddie Mac Gateway (i) Scope and applicability Freddie Mac Gateway is the System through which various other Systems and their associated services are accessed and licensed pursuant to (i) this System-Specific License, (ii) other System-Specific Licenses referenced in this Section 2402.2(a) and Chapter 2404, and (iii) the Master Systems License. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-6 Immediately upon a User’s first access to any System (including Freddie Mac Gateway or any application programming interface (API)) 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, any other applicable System-Specific License and the Master Systems License. (ii) 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 Freddie Mac Loan Advisor® E ECO® The meaning set forth in Section 2402.2(a)(iii) U Uniform Appraisal Dataset (UAD) A common data set that defines all fields required for an appraisal submission on specific appraisal forms and standardizes definitions and responses for a key subset of data fields Uniform Closing Dataset (UCD) A common data set that allows information on the Settlement/Closing Disclosure Statement to be communicated electronically in a standardized format Uniform Collateral Data Portal® (UCDP®) A portal through which the Seller/Servicer submits appraisal data to Freddie Mac that conforms to the Uniform Appraisal Dataset standards and requirements. The UCDP is not a System and is not to be construed as such. (iii)ECO: Evaluate | Compare | Optimize® (“ECO”) ECO is a System licensed pursuant to this System-Specific License that makes available certain dashboard and other tracking features and business intelligence functionality and reporting on various System usage and other trends (i.e., “Output,” within the meaning of the Master Systems License). The Output is generally based in significant part on data and other information Users submit to and through ECO and other Systems. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-7 (iv) Loan Product Advisor Loan Product Advisor is licensed pursuant to Section 2402.2(b). (v) Loan Quality Advisor Loan Quality Advisor is licensed pursuant to Section 2402.2(c). (vi) Loan Collateral Advisor Loan Collateral Advisor is a System licensed pursuant to this System-Specific License that Authorized Users (as defined in Section 2401.1(b)) may use to submit appraisal files to the System via the UCDP. Authorized Users shall submit such files in a format that is consistent with the UAD requirements. Using proprietary and publicly available databases, Loan Collateral Advisor performs assessments of: ■ Appraisers’ opinions of value, ■ Appraisal quality, and ■ Support for value conclusions in any files so submitted, and returns findings (i.e., “Output,” within the meaning of the Master Systems License) to Authorized Users Without limiting the generality of any provision of the Master Systems License or this System-Specific License, Seller/Servicer shall not distribute to or otherwise share any Loan Collateral Advisor Output with an appraiser where such Output specifically relates to an appraisal generated by such an appraiser. (vii) Loan Closing Advisor Loan Closing Advisor is a System licensed pursuant to this System-Specific License that Authorized Users may use to submit loan files containing data obtained at settlement to the System. Authorized Users shall submit such files in a format that is consistent with the UCD requirements. Loan Closing Advisor will evaluate each such loan file against the UCD and other data values and provide related findings as to various data validation and other data quality issues (i.e., “Output,” within the meaning of the Master Systems License) to Authorized Users. (viii) Loan Coverage Advisor Loan Coverage Advisor is licensed pursuant to Section 2402.2(d). (ix) Loan Selling Advisor Loan Selling Advisor is licensed pursuant to Section 2402.2(e). Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-8 (x) Quality Control Advisor PlusSM Quality Control Advisor Plus and its companion System, Quality Control Advisor, are licensed pursuant to Section 2402.3. (xi) Condo Project Advisor® (CPASM) CPA is a System licensed pursuant to this System-Specific License that, as more fully described in its Documentation, Authorized Users may use to: ■ Submit, track and obtain Output (within the meaning of the Master Systems License) pertaining to single-unit condominium waivers ■ Submit, track and/or obtain status-related Output (within the meaning of the Master Systems License) for Condominium Projects ■ Submit other information and obtain other Output (within the meaning of the Master Systems License) as may be described in the Documentation for CPA (xii) GableSM Gable is a System licensed pursuant to this System-Specific License that, as more fully described in its Documentation, Authorized Users may use to execute trades authorized by Freddie Mac with the Cash Window, subject to terms and conditions set forth in the Guide. (xiii) Data Share API Data Share API is a System licensed pursuant to this System-Specific License that, as described in its Documentation, enables Authorized Users to access and share certain data, information and documents (i.e., “Output,” within the meaning of the Master License Agreement) between and among seller/servicers (including Seller/Servicers) and certain Related Third Parties. Such access is facilitated via a system-to-system call and response method involving Output from various Systems, including Loan Product Advisor, Loan Closing Advisor, Loan Collateral Advisor and Loan Quality Advisor. Without limiting the generality of any other provision of this System-Specific License or the Master License Agreement, the Seller/Servicer expressly consents to the sharing and receipt of such Output. (b) System-Specific License for Loan Product Advisor (i) Scope and applicability Loan Product Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. As set forth in its Documentation, Loan Product Advisor is a successor System to Loan Prospector®. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-9 Immediately upon a User’s first access to Loan Product Advisor 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. (ii) 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 Loan Product Advisor A Applicant Any consumer with respect to whom Loan Application Information is submitted to the System C Closed Loan The meaning set forth in Section 2402.2(b)(iii) Credit Report The meaning set forth in Section 2402.2(b)(iv) Credit Reporting Agency The meaning set forth in Section 2402.2(b)(iv) E Eligible Mortgage The meaning set forth in Section 2402.2(b)(v) L Loan Application Information Data and information concerning any actual and/or potential Mortgage (including Credit Reports) a User submits to the System O Open Loan The meaning set forth in Section 2402.2(b)(iii) (iii) License limitation Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-10 In addition to the provisions of Section 2401.1(c), an Authorized User may enter data into the System solely in connection with: ■ An existing Mortgage in which the Seller/Servicer or a Related Third Party has a beneficial ownership interest (i.e., a “Closed Loan”), or ■ A potential Mortgage for which Loan Application Information has been obtained by the Seller/Servicer or a Related Third Party (i.e., an “Open Loan”) Freddie Mac may include additional limitations in the Documentation on the types of Open Loans, Closed Loans, Mortgages and Loan Application Information that may be submitted to the System. (iv) Consumer Credit Data; Limited Agency 1. With respect to any Closed Loan or Open Loan submitted to the System, the Seller/Servicer authorizes the System on the Seller/Servicer’s behalf to 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 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 retrieved as set forth in this Section 2402.2(b)(iv), 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 retrieved in conjunction with an Open Loan or a Closed Loan, 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 Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-11 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 (v) Excess capacity timesharing Freddie Mac provides the System in part to assist the Seller/Servicer in assessing whether an actual or potential Mortgage may be eligible for sale to Freddie Mac, which eligibility is determined, among other things, by the Mortgage amount not exceeding the UPB amount that Freddie Mac is permitted to purchase (any such Mortgage, an “Eligible Mortgage”). The System has excess capacity beyond that required for identifying Eligible Mortgages, and the Seller/Servicer may, consistent with the Purpose and on a timesharing basis, use the System to assess Mortgages other than Eligible Mortgages. (vi) Related Third Parties; Servicing transfers and sales; prospective purchasers 1. The Seller/Servicer may from time to time purchase or consider purchasing a Mortgage from a Related Third Party that such Related Third Party processed through the System. The Seller/Servicer shall not rely on any Output provided to the Related Third Party with respect to any such Mortgage but, rather, shall rely exclusively on any representations and warranties made by the Related Third Party in connection with the Seller/Servicer’s actual or potential purchase of such Mortgage. 2. With respect to any Mortgage processed through the System for which the Seller/Servicer seeks to or does effect a Concurrent Transfer of Servicing, Subsequent Transfer of Servicing or sale of such Mortgage, the Seller/Servicer may provide the Output associated with such Mortgage to the Transferee Servicer or purchaser prior to and after the Transfer of Servicing or sale; however, the Seller/Servicer must bind the Transferee Servicer or purchaser, as applicable, to non-disclosure obligations that are substantially similar to those in the Guide to which the Seller/Servicer is bound with respect to the Output. Under no other circumstances shall the Seller/Servicer or any Related Third Party provide any Output to any other third party except to a consumer to whom such Output relates upon his or her request. 3. Seller may share a Feedback Certificate with a third-party service provider in connection with a securitization or with a prospective purchaser, provided the following requirements are met: Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-12 i. The Feedback Certificate relates to a Closed Loan ii. The Feedback Certificate is shared solely for the purpose of the assessment of the Mortgage associated with the Feedback Certificate in order to determine eligibility for a related pool/security or to make a purchase decision regarding the Mortgage iii. The Feedback Certificate includes, or the Seller has provided to the third-party service provider or prospective purchaser in writing concurrently with its sharing of the Feedback Certificate, the following notice: This Feedback Certificate (i) is not a consumer report; (ii) does not constitute an approval or denial by Loan Product Advisor or Freddie Mac of any consumer loan application; (iii) may only be shared or distributed by the Loan Product Advisor licensee, including the Seller/Servicer, as permitted in Freddie Mac Seller/Servicer Guide Sections 2401.1 and 2402.2(b) (vii) Representations and warranties Without limiting the representations, warranties and agreements set forth in Section 2401.1(h), the Seller/Servicer further represents, warrants and agrees that it shall: ■ Provide any adverse action or other notice as and in the manner required under applicable law to be provided to an Applicant for which the Seller/Servicer or, as applicable, a Related Third Party, has taken “adverse action” (as that term is defined under applicable law) with respect to such Applicant, and ■ Exercise its own independent judgment in determining whether to extend credit, or the terms of any credit offered, and shall not rely on any Output as the determining factor in its decisions (c) System-Specific License for Loan Quality Advisor (i) Scope and applicability Loan Quality Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Loan Quality Advisor 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. (ii) Definitions Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-13 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 Loan Quality Advisor A Applicant Any consumer with respect to whom Loan Application Information is submitted to the System C Closed Loan The meaning set forth in Section 2402.2(c)(iii) Credit Report The meaning set forth in Section 2402.2(c)(iv)(1) Credit Reporting Agency The meaning set forth in Section 2402.2(c)(iv)(1) L Loan Application Information Data and information concerning any actual and/or potential Mortgage (including Credit Reports) a User submits to the System O Open Loan The meaning set forth in Section 2402.2(c)(iii) (iii) License limitation In addition to the provisions of Section 2401.1(c), an Authorized User may enter data into the System solely in connection with: ■ An existing Mortgage in which the Seller/Servicer or a Related Third Party has a beneficial ownership interest (i.e., a “Closed Loan”); or ■ A potential Mortgage for which Loan Application Information has been obtained by the Seller/Servicer or a Related Third Party (i.e., an “Open Loan”) Freddie Mac may include additional limitations in the Documentation on the types of Closed Loans, Open Loans, Mortgages and Loan Application Information that may be submitted to the System. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-14 (iv) Consumer Credit Data; Limited Agency 1. With respect to any Closed Loan or Open Loan submitted to the System, the Seller/Servicer authorizes the System on the Seller/Servicer’s behalf to 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”) from a credit repository or credit bureau (each a “Credit Reporting Agency”) 2. With respect to any Credit Report or other Consumer Credit Data retrieved as set forth in this Section 2402.2(c)(iv), 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 retrieved in conjunction with an Open Loan or a Closed Loan, 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 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)(iv) 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 shall establish or, as applicable, amend separate contractual relationships with any Credit Reporting Agency from which the System retrieves a Credit Report or other Consumer Credit Data as set forth in this Section 2402.2(c)(iv) to require the Consumer Reporting Agency to denote in a consumer's file that any Credit Report or other Consumer Credit Data retrieved through the System on an Open Loan or a Closed Loan is an account review inquiry, or "soft pull," as that term is commonly understood in the credit reporting industry 5. The Seller/Servicer acknowledges and agrees that Credit Reports and any other Consumer Credit Data constitute System Data for purposes of Chapter 2401 Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-15 (v) Representations and warranties Without limiting the representations, warranties and agreements set forth in Section 2401.1(h), the Seller/Servicer further represents, warrants and agrees that it shall: ■ Use the System solely in connection with Open Loans and Closed Loans for purposes of: ❑ Obtaining the System’s view of the risk associated with such loan, ❑ Determining whether such loan may be eligible for sale to Freddie Mac, ❑ Validating that the data associated with the last file submission in Loan Product Advisor is the same as that in the file currently submitted through the System, and ❑ Obtaining an assessment of whether such loan, if sold to Freddie Mac, might be eligible for certain representation and warranty relief; and ■ Not use the System as a basis for any credit determination (vi) Additional system disclaimer IN ADDITION TO AND NOT IN LIMITATION OF ANY DISCLAIMER IN SECTION 2401.1(i), ANY COLOR DESIGNATION (INCLUDING ANY SUCH DESIGNATION EMBEDDED IN AN ICON) GENERATED BY THIS SYSTEM AS PART OF ANY RISK ASSESSMENT OUTPUT IS INTENDED ONLY AS A VISUAL GUIDE FOR INDICATING THE RISK CLASS ASSOCIATED WITH THE DATA FILE. SUCH DESIGNATION AND ICON ARE NOT PROVIDED FOR ANY OTHER REASON, NOR SHOULD THEY BE USED OR RELIED UPON EXCEPT FOR PURPOSES OF TRIGGERING DATA FILE REVIEWS AS SET FORTH IN THE LICENSED MATERIALS. (d) System-Specific License for Loan Coverage Advisor (i) Scope and applicability Loan Coverage Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Loan Coverage Advisor 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. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-16 (ii) Definitions The definition below applies 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. “Loan Coverage Advisor Output” means Output generated by Loan Coverage Advisor. (iii) Loan Coverage Advisor; Source of Loan Coverage Advisor output 1. As more fully described in its Documentation, Loan Coverage Advisor calculates, tracks and publishes the date on which the Seller/Servicer is relieved of certain specified selling representations and warranties related to its underwriting of the Borrower, Mortgaged Premises and any project in which the Mortgaged Premises is located for Mortgages sold to Freddie Mac. 2. Loan Coverage Advisor Output is provided to the Seller/Servicer for informational purposes to assist it in assessing its potential liabilities for representation and warranty obligations to Freddie Mac, and is based on or derived directly from the following: i. Loan-level delivery data provided by the original Seller/Servicer of each Mortgage in connection with Freddie Mac’s purchase of such Mortgage, and any additional or corrective loan delivery data provided by the Seller/Servicer after such Mortgage purchase, and ii. Investor accounting and reporting data provided by the Seller/Servicer to Freddie Mac as required by the Guide 3. All Loan Coverage Advisor Output is subject to final verification for accuracy by Freddie Mac. This may result in a change in the date upon which certain of the Seller/Servicer's representations and warranties expire under Section 1301.6. 4. If the Seller/Servicer finds that any Loan Coverage Advisor Output is not consistent with the Seller/Servicer’s loan data, including the loan-level delivery data, or the investor accounting and reporting data for any Mortgage, the Seller/Servicer should contact its Freddie Mac representative or Customer Service at 800-FREDDIE. (e) System-Specific License for Loan Selling Advisor (i) Scope and applicability Loan Selling Advisor is licensed pursuant to this System-Specific License and the Master Systems License. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-17 Immediately upon a User’s first access to Loan Selling Advisor 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. (ii) Definitions 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. (iii) Limitation on Authorized Users Notwithstanding anything to the contrary in Section 2401.1, only employees of a Seller, a Selling Agent, a Document Custodian, a Warehouse Lender 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 shall provide or make access to the System available only to its employees, employees of its Selling Agent, Document Custodians, Warehouse Lenders and other Related Third Parties, subject to the limitations and requirements of Section 2401.1, the Guide and other Purchase Documents. (iv) Relation to Chapter 2403 This Section 2402.2(e) is in addition to and not in limitation of Chapter 2403, the latter of which addresses rights and obligations associated with the sale of Mortgages to Freddie Mac by means of Loan Selling Advisor. 2402.2: System-Specific Licenses (Future effective date 11/02/26) This section contains requirements related to: ■ System-Specific License for Freddie Mac Gateway® ■ System-Specific License for Loan Product Advisor® ■ System-Specific License for Loan Quality Advisor® Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-18 ■ System-Specific License for Loan Coverage Advisor® ■ System-Specific License for Loan Selling Advisor® (a) System-Specific License for Freddie Mac Gateway (i) Scope and applicability Freddie Mac Gateway is the System through which various other Systems and their associated services are accessed and licensed pursuant to (i) this System-Specific License, (ii) other System-Specific Licenses referenced in this Section 2402.2(a) and Chapter 2404, and (iii) the Master Systems License. Immediately upon a User’s first access to any System (including Freddie Mac Gateway or any application programming interface (API)) 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, any other applicable System-Specific License and the Master Systems License. (ii) 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 Freddie Mac Loan Advisor® E ECO® The meaning set forth in Section 2402.2(a)(iii) U Uniform Appraisal Dataset (UAD) A common data set that defines all fields required for an appraisal submission and standardizes definitions and responses for a key subset of data fields Uniform Closing Dataset (UCD) A common data set that allows information on the Settlement/Closing Disclosure Statement to be communicated electronically in a standardized format Uniform Collateral Data Portal® (UCDP®) A portal through which the Seller/Servicer submits appraisal data to Freddie Mac that conforms to the Uniform Appraisal Dataset Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-19 Definitions related to the System-Specific License for Freddie Mac Loan Advisor® standards and requirements. The UCDP is not a System and is not to be construed as such. (iii)ECO: Evaluate | Compare | Optimize® (“ECO”) ECO is a System licensed pursuant to this System-Specific License that makes available certain dashboard and other tracking features and business intelligence functionality and reporting on various System usage and other trends (i.e., “Output,” within the meaning of the Master Systems License). The Output is generally based in significant part on data and other information Users submit to and through ECO and other Systems. (iv) Loan Product Advisor Loan Product Advisor is licensed pursuant to Section 2402.2(b). (v) Loan Quality Advisor Loan Quality Advisor is licensed pursuant to Section 2402.2(c). (vi) Loan Collateral Advisor Loan Collateral Advisor is a System licensed pursuant to this System-Specific License that Authorized Users (as defined in Section 2401.1(b)) may use to submit appraisal files to the System via the UCDP. Authorized Users shall submit such files in a format that is consistent with the UAD requirements. Using proprietary and publicly available databases, Loan Collateral Advisor performs assessments of: ■ Appraisers’ opinions of value, ■ Appraisal quality, and ■ Support for value conclusions in any files so submitted, and returns findings (i.e., “Output,” within the meaning of the Master Systems License) to Authorized Users Without limiting the generality of any provision of the Master Systems License or this System-Specific License, Seller/Servicer shall not distribute to or otherwise share any Loan Collateral Advisor Output with an appraiser where such Output specifically relates to an appraisal generated by such an appraiser. (vii) Loan Closing Advisor Loan Closing Advisor is a System licensed pursuant to this System-Specific License that Authorized Users may use to submit loan files containing data obtained at settlement to the System. Authorized Users shall submit such files in a format that is consistent with Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-20 the UCD requirements. Loan Closing Advisor will evaluate each such loan file against the UCD and other data values and provide related findings as to various data validation and other data quality issues (i.e., “Output,” within the meaning of the Master Systems License) to Authorized Users. (viii) Loan Coverage Advisor Loan Coverage Advisor is licensed pursuant to Section 2402.2(d). (ix) Loan Selling Advisor Loan Selling Advisor is licensed pursuant to Section 2402.2(e). (x) Quality Control Advisor PlusSM Quality Control Advisor Plus and its companion System, Quality Control Advisor, are licensed pursuant to Section 2402.3. (xi) Condo Project Advisor® (CPASM) CPA is a System licensed pursuant to this System-Specific License that, as more fully described in its Documentation, Authorized Users may use to: ■ Submit, track and obtain Output (within the meaning of the Master Systems License) pertaining to single-unit condominium waivers ■ Submit, track and/or obtain status-related Output (within the meaning of the Master Systems License) for Condominium Projects ■ Submit other information and obtain other Output (within the meaning of the Master Systems License) as may be described in the Documentation for CPA (xii) GableSM Gable is a System licensed pursuant to this System-Specific License that, as more fully described in its Documentation, Authorized Users may use to execute trades authorized by Freddie Mac with the Cash Window, subject to terms and conditions set forth in the Guide. (xiii) Data Share API Data Share API is a System licensed pursuant to this System-Specific License that, as described in its Documentation, enables Authorized Users to access and share certain data, information and documents (i.e., “Output,” within the meaning of the Master License Agreement) between and among seller/servicers (including Seller/Servicers) and certain Related Third Parties. Such access is facilitated via a system-to-system call and Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-21 response method involving Output from various Systems, including Loan Product Advisor, Loan Closing Advisor, Loan Collateral Advisor and Loan Quality Advisor. Without limiting the generality of any other provision of this System-Specific License or the Master License Agreement, the Seller/Servicer expressly consents to the sharing and receipt of such Output. (b) System-Specific License for Loan Product Advisor (i) Scope and applicability Loan Product Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. As set forth in its Documentation, Loan Product Advisor is a successor System to Loan Prospector®. Immediately upon a User’s first access to Loan Product Advisor 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. (ii) 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 Loan Product Advisor A Applicant Any consumer with respect to whom Loan Application Information is submitted to the System C Closed Loan The meaning set forth in Section 2402.2(b)(iii) Credit Report The meaning set forth in Section 2402.2(b)(iv) Credit Reporting Agency The meaning set forth in Section 2402.2(b)(iv) E Eligible Mortgage The meaning set forth in Section 2402.2(b)(v) Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-22 Definitions related to the System-Specific License for Loan Product Advisor L Loan Application Information Data and information concerning any actual and/or potential Mortgage (including Credit Reports) a User submits to the System O Open Loan The meaning set forth in Section 2402.2(b)(iii) (iii) License limitation In addition to the provisions of Section 2401.1(c), an Authorized User may enter data into the System solely in connection with: ■ An existing Mortgage in which the Seller/Servicer or a Related Third Party has a beneficial ownership interest (i.e., a “Closed Loan”), or ■ A potential Mortgage for which Loan Application Information has been obtained by the Seller/Servicer or a Related Third Party (i.e., an “Open Loan”) Freddie Mac may include additional limitations in the Documentation on the types of Open Loans, Closed Loans, Mortgages and Loan Application Information that may be submitted to the System. (iv) Consumer Credit Data; Limited Agency 1. With respect to any Closed Loan or Open Loan submitted to the System, the Seller/Servicer authorizes the System on the Seller/Servicer’s behalf to 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 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 retrieved as set forth in this Section 2402.2(b)(iv), 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 retrieved in conjunction with an Open Loan or a Closed Loan, 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 Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-23 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 (v) Excess capacity timesharing Freddie Mac provides the System in part to assist the Seller/Servicer in assessing whether an actual or potential Mortgage may be eligible for sale to Freddie Mac, which eligibility is determined, among other things, by the Mortgage amount not exceeding the UPB amount that Freddie Mac is permitted to purchase (any such Mortgage, an “Eligible Mortgage”). The System has excess capacity beyond that required for identifying Eligible Mortgages, and the Seller/Servicer may, consistent with the Purpose and on a timesharing basis, use the System to assess Mortgages other than Eligible Mortgages. (vi) Related Third Parties; Servicing transfers and sales; prospective purchasers 1. The Seller/Servicer may from time to time purchase or consider purchasing a Mortgage from a Related Third Party that such Related Third Party processed through the System. The Seller/Servicer shall not rely on any Output provided to the Related Third Party with respect to any such Mortgage but, rather, shall rely exclusively on any representations and warranties made by the Related Third Party in connection with the Seller/Servicer’s actual or potential purchase of such Mortgage. 2. With respect to any Mortgage processed through the System for which the Seller/Servicer seeks to or does effect a Concurrent Transfer of Servicing, Subsequent Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-24 Transfer of Servicing or sale of such Mortgage, the Seller/Servicer may provide the Output associated with such Mortgage to the Transferee Servicer or purchaser prior to and after the Transfer of Servicing or sale; however, the Seller/Servicer must bind the Transferee Servicer or purchaser, as applicable, to non-disclosure obligations that are substantially similar to those in the Guide to which the Seller/Servicer is bound with respect to the Output. Under no other circumstances shall the Seller/Servicer or any Related Third Party provide any Output to any other third party except to a consumer to whom such Output relates upon his or her request. 3. Seller may share a Feedback Certificate with a third-party service provider in connection with a securitization or with a prospective purchaser, provided the following requirements are met: i. The Feedback Certificate relates to a Closed Loan ii. The Feedback Certificate is shared solely for the purpose of the assessment of the Mortgage associated with the Feedback Certificate in order to determine eligibility for a related pool/security or to make a purchase decision regarding the Mortgage iii. The Feedback Certificate includes, or the Seller has provided to the third-party service provider or prospective purchaser in writing concurrently with its sharing of the Feedback Certificate, the following notice: This Feedback Certificate (i) is not a consumer report; (ii) does not constitute an approval or denial by Loan Product Advisor or Freddie Mac of any consumer loan application; (iii) may only be shared or distributed by the Loan Product Advisor licensee, including the Seller/Servicer, as permitted in Freddie Mac Seller/Servicer Guide Sections 2401.1 and 2402.2(b) (vii) Representations and warranties Without limiting the representations, warranties and agreements set forth in Section 2401.1(h), the Seller/Servicer further represents, warrants and agrees that it shall: ■ Provide any adverse action or other notice as and in the manner required under applicable law to be provided to an Applicant for which the Seller/Servicer or, as applicable, a Related Third Party, has taken “adverse action” (as that term is defined under applicable law) with respect to such Applicant, and ■ Exercise its own independent judgment in determining whether to extend credit, or the terms of any credit offered, and shall not rely on any Output as the determining factor in its decisions Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-25 (c) System-Specific License for Loan Quality Advisor (i) Scope and applicability Loan Quality Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Loan Quality Advisor 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. (ii) 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 Loan Quality Advisor A Applicant Any consumer with respect to whom Loan Application Information is submitted to the System C Closed Loan The meaning set forth in Section 2402.2(c)(iii) Credit Report The meaning set forth in Section 2402.2(c)(iv)(1) Credit Reporting Agency The meaning set forth in Section 2402.2(c)(iv)(1) L Loan Application Information Data and information concerning any actual and/or potential Mortgage (including Credit Reports) a User submits to the System O Open Loan The meaning set forth in Section 2402.2(c)(iii) Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-26 (iii) License limitation In addition to the provisions of Section 2401.1(c), an Authorized User may enter data into the System solely in connection with: ■ An existing Mortgage in which the Seller/Servicer or a Related Third Party has a beneficial ownership interest (i.e., a “Closed Loan”); or ■ A potential Mortgage for which Loan Application Information has been obtained by the Seller/Servicer or a Related Third Party (i.e., an “Open Loan”) Freddie Mac may include additional limitations in the Documentation on the types of Closed Loans, Open Loans, Mortgages and Loan Application Information that may be submitted to the System. (iv) Consumer Credit Data; Limited Agency 1. With respect to any Closed Loan or Open Loan submitted to the System, the Seller/Servicer authorizes the System on the Seller/Servicer’s behalf to 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”) from a credit repository or credit bureau (each a “Credit Reporting Agency”) 2. With respect to any Credit Report or other Consumer Credit Data retrieved as set forth in this Section 2402.2(c)(iv), 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 retrieved in conjunction with an Open Loan or a Closed Loan, 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 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)(iv) of the Master Systems License) the Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-27 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 shall establish or, as applicable, amend separate contractual relationships with any Credit Reporting Agency from which the System retrieves a Credit Report or other Consumer Credit Data as set forth in this Section 2402.2(c)(iv) to require the Consumer Reporting Agency to denote in a consumer's file that any Credit Report or other Consumer Credit Data retrieved through the System on an Open Loan or a Closed Loan is an account review inquiry, or "soft pull," as that term is commonly understood in the credit reporting industry 5. The Seller/Servicer acknowledges and agrees that Credit Reports and any other Consumer Credit Data constitute System Data for purposes of Chapter 2401 (v) Representations and warranties Without limiting the representations, warranties and agreements set forth in Section 2401.1(h), the Seller/Servicer further represents, warrants and agrees that it shall: ■ Use the System solely in connection with Open Loans and Closed Loans for purposes of: ❑ Obtaining the System’s view of the risk associated with such loan, ❑ Determining whether such loan may be eligible for sale to Freddie Mac, ❑ Validating that the data associated with the last file submission in Loan Product Advisor is the same as that in the file currently submitted through the System, and ❑ Obtaining an assessment of whether such loan, if sold to Freddie Mac, might be eligible for certain representation and warranty relief; and ■ Not use the System as a basis for any credit determination (vi) Additional system disclaimer IN ADDITION TO AND NOT IN LIMITATION OF ANY DISCLAIMER IN SECTION 2401.1(i), ANY COLOR DESIGNATION (INCLUDING ANY SUCH DESIGNATION EMBEDDED IN AN ICON) GENERATED BY THIS SYSTEM AS PART OF ANY RISK ASSESSMENT OUTPUT IS INTENDED ONLY AS A VISUAL GUIDE FOR INDICATING THE RISK CLASS ASSOCIATED WITH THE DATA FILE. SUCH DESIGNATION AND ICON ARE NOT PROVIDED FOR ANY OTHER REASON, NOR SHOULD THEY BE USED OR RELIED UPON EXCEPT FOR Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-28 PURPOSES OF TRIGGERING DATA FILE REVIEWS AS SET FORTH IN THE LICENSED MATERIALS. (d) System-Specific License for Loan Coverage Advisor (i) Scope and applicability Loan Coverage Advisor is the System licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Loan Coverage Advisor 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. (ii) Definitions The definition below applies 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. “Loan Coverage Advisor Output” means Output generated by Loan Coverage Advisor. (iii) Loan Coverage Advisor; Source of Loan Coverage Advisor output 1. As more fully described in its Documentation, Loan Coverage Advisor calculates, tracks and publishes the date on which the Seller/Servicer is relieved of certain specified selling representations and warranties related to its underwriting of the Borrower, Mortgaged Premises and any project in which the Mortgaged Premises is located for Mortgages sold to Freddie Mac. 2. Loan Coverage Advisor Output is provided to the Seller/Servicer for informational purposes to assist it in assessing its potential liabilities for representation and warranty obligations to Freddie Mac, and is based on or derived directly from the following: i. Loan-level delivery data provided by the original Seller/Servicer of each Mortgage in connection with Freddie Mac’s purchase of such Mortgage, and any additional or corrective loan delivery data provided by the Seller/Servicer after such Mortgage purchase, and ii. Investor accounting and reporting data provided by the Seller/Servicer to Freddie Mac as required by the Guide Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-29 3. All Loan Coverage Advisor Output is subject to final verification for accuracy by Freddie Mac. This may result in a change in the date upon which certain of the Seller/Servicer's representations and warranties expire under Section 1301.6. 4. If the Seller/Servicer finds that any Loan Coverage Advisor Output is not consistent with the Seller/Servicer’s loan data, including the loan-level delivery data, or the investor accounting and reporting data for any Mortgage, the Seller/Servicer should contact its Freddie Mac representative or Customer Service at 800-FREDDIE. (e) System-Specific License for Loan Selling Advisor (i) Scope and applicability Loan Selling Advisor is licensed pursuant to this System-Specific License and the Master Systems License. Immediately upon a User’s first access to Loan Selling Advisor 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. (ii) Definitions 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. (iii) Limitation on Authorized Users Notwithstanding anything to the contrary in Section 2401.1, only employees of a Seller, a Selling Agent, a Document Custodian, a Warehouse Lender 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 shall provide or make access to the System available only to its employees, employees of its Selling Agent, Document Custodians, Warehouse Lenders and other Related Third Parties, subject to the limitations and requirements of Section 2401.1, the Guide and other Purchase Documents. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-30 (iv) Relation to Chapter 2403 This Section 2402.2(e) is in addition to and not in limitation of Chapter 2403, the latter of which addresses rights and obligations associated with the sale of Mortgages to Freddie Mac by means of Loan Selling Advisor.