Freddie Mac Single-Family Seller/Servicer Guide Section 2402.3 — Other System-Specific Licenses

Freddie Mac Single-Family Seller/Servicer Guide Section 2402.3 — Other System-Specific Licenses

2402.3: Other System-Specific Licenses (12/17/25) This section contains requirements related to: ■ Scope and applicability ■ Definitions ■ System access and use; loan classification (a) Scope and applicability Quality Control Advisor PlusSM and Quality Control Advisor® are Systems licensed pursuant to this System-Specific License, Section 2402.2 and the Master Systems License. Both Systems host certain remedy management information and quality control loan management data for Mortgages Freddie Mac owns or guarantees. As described in their respective Documentation, Quality Control Advisor Plus reflects significant upgrades to features and functionality sets within Quality Control Advisor, and both Systems shall be separately accessible until Quality Control Advisor is retired at a future date. Immediately upon a User’s first access to either System on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific License and the Master Systems License. This System-Specific License is incorporated into and made a part of the Master Systems License by this reference. Any reference herein to the System-Specific License shall be deemed to include this System-Specific License and the Master Systems License. (b) Definitions Any capitalized term used but not defined in this System-Specific License shall have the meaning set forth in the Glossary, the Master Systems License (Chapter 2401) or elsewhere in the Guide. (c) System access and use; loan classification Notwithstanding anything to the contrary in Section 2401.1(c), the Seller/Servicer shall use the applicable System only in connection with Mortgages that Freddie Mac owns or guarantees. Notwithstanding Section 2401.1(f) or any other applicable Purchase Document, the Seller/Servicer shall only access and use each System with Authentication Credentials Freddie Mac Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-31 and other Confidential Means of Access (as defined in Section 1401.2) that are specifically assigned or provisioned to an Authorized User by means of the System. In connection with its quality control efforts, Freddie Mac may classify within each System the loan and remedy management status of the Seller/Servicer Mortgages or otherwise assign labels to such Mortgages. The Seller/Servicer understands and agrees that any such classifications, labels or designations that Freddie Mac assigns to Mortgages tracked in the System do not constitute a waiver by Freddie Mac of any rights and remedies available to it under the Guide, any other Purchase Document or applicable law with respect to any such Mortgage, and Freddie Mac hereby expressly reserves all such rights and remedies. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-1 Chapter 2403: Selling Mortgages through Loan Selling Advisor® 2403.1: Selling Mortgages through Loan Selling Advisor® (12/17/25) This section contains requirements related to: ■ Sale of Mortgages through Loan Selling Advisor® ■ Post-Fund Data Correction tool (a) Sale of Mortgages through Loan Selling Advisor® This chapter sets forth requirements for the sale of Mortgages through Loan Selling Advisor®. By using Loan Selling Advisor, the Seller agrees to be bound by the Purchase Documents including, but not limited to, Chapter 1401, the applicable terms of this chapter, the terms of any applicable Guide chapters, and any other relevant Purchase Documents. This Section 2403.1(a) is in addition to, and not in limitation of, Chapter 2401 and Section 2402.2(e), which address the license terms applicable to the Sellers’ and Selling Agents’ use of Loan Selling Advisor in connection with the sale of Mortgages to Freddie Mac. (b) Post-Fund Data Correction tool Seller/Servicer must use the Post-Fund Data Correction tool, which is a “System” as defined in Section 2401.1(b) to correct data on Seller/Servicer’s Mortgages previously entered into Loan Selling Advisor, and must access such corrected data by means of the Post-Fund Data Correction tool in accordance with Section 2401.1 and any directions provided by Freddie Mac, including, without limitation, any instructions set forth in the Documentation as defined in Section 2401.1(b). Except to the extent consented to by Freddie Mac in writing, Seller/Servicer will not permit any third parties to use the Post-Fund Data Correction tool, either directly or through Seller/Servicer. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-2 2403.2: Mortgage Selling Agents and user roles (12/17/25) This section contains requirements related to: ■ Use of Selling Agents ■ User roles (a) Use of Selling Agents (i) Definitions Capitalized terms used herein, but not defined herein have the meanings set forth in the Glossary, Form 478, Secondary Market Advisor Selling Agent Agreement, Chapter 2401, Chapter 2402 or elsewhere in the Guide. (ii) Use of Selling Agent A Secondary Market Advisor (SMA) and the Seller engaging the SMA must request Freddie Mac’s consent for the SMA to access and enter Loan Selling Advisor to perform secondary market services for the Seller on the Seller’s behalf, as Selling Agent, for each such Seller. The Seller and the SMA must comply with the following: ■ Every SMA must complete, execute and deliver to Freddie Mac a one-time Form 478. A single Form 478 applies to all Sellers for which secondary market services are performed. ■ The SMA must enter, or have entered, into a services agreement with one or more Sellers ■ The Seller must designate duly authorized employees, as described in Section 2403.2(b), of the Selling Agent who have been assigned roles (“User Roles”) to access, enter and use Loan Selling Advisor, on behalf of their employer, the Selling Agent, to perform services for the Seller. For cash or guarantor executions, the User Roles may be as follows: ❑ Closer/Shipper ❑ Exclusionary List ❑ Loan Manager ❑ Pipeline Manager; and Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-3 ❑ Secondary Analyst The specific roles for cash executions may be Cash SMO or Price Sheet Analyst. The specific roles for guarantor executions may be Guarantor SMO, Security Wire Assignor or Rate Sheet Analyst. Immediately upon any of the SMA’s duly authorized employees’ first access to Loan Selling Advisor, the Seller, by and through the SMA, as Selling Agent, will be bound by the terms and conditions of Sections 2401.1 and 2402.2(e). (iii) Selling Agent and Related Third Party The SMA agrees that if Freddie Mac gives the SMA access to Loan Selling Advisor to perform secondary market services for a Seller, as principal, the SMA must do so as such Seller’s duly authorized Selling Agent and a Related Third Party as defined in the Glossary. (iv) Former Form 900SA exception Any Seller that has: (i) an SMA that is performing secondary market services for the Seller in Loan Selling Advisor under a services agreement, (ii) completed, signed and delivered to Freddie Mac either a form titled “Selling System Price Sheet Analyst User ID Request Form” and/or Form 900SA and/or Form 900 that was delivered to Freddie Mac on or before April 2, 2022, and (iii) authorized the SMA’s authorized employees to perform secondary market services in Loan Selling Advisor (excluding the User Roles of Setup Administrator or Setup Manager), is not immediately required to identify User Roles as required in Section 2403.2(b) to Freddie Mac, unless and until it is necessary to do so because the SMA and/or Seller need to: (A) add, modify or delete any SMA authorized employees and/or (B) add or change secondary market services and “User Roles.” (v) Loan Selling Advisor access and security The Seller and Selling Agent both acknowledge and agree that Loan Selling Advisor is Freddie Mac’s proprietary system and access to Loan Selling Advisor is provided by Freddie Mac in its sole and absolute discretion. The Seller and Selling Agent also agree that each will keep the Seller-provided information updated and current by making sure that the authorized users identified are accurate and true. Changes to the authorized users identified must be made according to this section and Sections 2401.1(f) and 2403.2(b). The Seller and Selling Agent represent and warrant to (and covenant with) Freddie Mac that only duly authorized employees of the SMA have been provided with their own individual access to Loan Selling Advisor. Without limiting the application of any other representation or warranty to (or covenant with) Freddie Mac under the Guide or any Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-4 other agreement, the Seller and Selling Agent further represent and warrant to (and covenant with) Freddie Mac that the Seller and Selling Agent must: ■ Safeguard User IDs and passwords to Loan Selling Advisor ■ Adopt security measures to prevent sharing, loss, theft, or unauthorized disclosure or use of User IDs and passwords to Loan Selling Advisor and information in Loan Selling Advisor ■ Notify Freddie Mac as soon as practicable and, in any event, no later than within one Business Day in the event: ❑ Any authorized User’s (a) name change, (b) position/title change, (c) employment termination, (d) authorization termination or (e) authorization expiration by submitting changes per Section 2403.2(b) or by e-mailing Freddie Mac at CSA_Operations@FreddieMac.com ❑ Of any loss, theft or unauthorized disclosure or use of any authorized User's User ID and password to Loan Selling Advisor by e-mailing Freddie Mac at CSA_Operations@FreddieMac.com; and ❑ Either the Seller or Selling Agent become aware of or has reason to believe that an authorized user’s access to Loan Selling Advisor is no longer secure for any reason by e-mailing Freddie Mac at CSA_Operations@FreddieMac.com (vi) Indemnification The Seller hereby indemnifies and holds Freddie Mac and its respective directors, officers, employees, agents, designees, successors and assigns harmless for any and all liabilities, obligations, damages, penalties, actions, judgments, suits, disbursements, losses, costs and expenses of any kind or nature. This includes reasonable legal fees and expenses of counsel, court costs and costs of appeal which may be imposed on, incurred by, or asserted against Freddie Mac as the result of any of Selling Agent’s errors, omissions, negligence, breaches, gross negligence, willful misconduct or malicious conduct when accessing, entering and/or using Loan Selling Advisor. This indemnification applies without limiting other representations, warranties, or covenants with Freddie Mac outlined in the Guide or any other agreement. (vii) Form 478 Every SMA which is already in Loan Selling Advisor on behalf of a Seller must complete, execute and deliver Form 478 to Freddie Mac. Failure to do so may result in suspension of the SMA’s access to Loan Selling Advisor. (b) User roles Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-5 (i) The Seller’s roles In connection with use of Loan Selling Advisor®, the Seller must provide information to Freddie Mac regarding authorized Loan Selling Advisor users and their designated user roles. The Seller must submit its duly authorized employees, or, if using a Selling Agent, the Seller may designate the Selling Agent’s duly authorized employees as described in Section 2403.2(a) by completing and submitting the Freddie Mac Access Manager Administrator Registration form (i.e., FAM Form) or the Loan Advisor Registration form (i.e., LAR Form). Upon receipt of the FAM Form or LAR Form, Freddie Mac will provide the Seller with user IDs and passwords for the designated individuals. (See Section 2403.4(b) with respect to system security and the Seller’s responsibility.) Any employee identified within the FAM Form or within the LAR Form as performing the External Seller Setup Manager role must be designated by the Seller as an Authorized Employee, authorized to provide Freddie Mac with instructions (or modify instructions) to transfer funds or securities on the Seller’s behalf in connection with the sale of Mortgages to Freddie Mac on the Seller’s: ■ Form 988SF, Certificate of Incumbency for a Bank, Savings Bank, Savings and Loan Association, Credit Union, Corporation or Limited Liability Company ■ Form 988SF-HFA, Certificate of Incumbency for Housing Finance Agency; or ■ Form 989SF, Certificate of Incumbency for Limited Partnerships, as applicable (See Section 2201.1 for more information regarding Certificate of Incumbency requirements.) In addition, any Administrator designated as such on the FAM Form must likewise be designated by the Seller in the applicable Certificate of Incumbency identified above. (ii) Document Custodian roles In connection with use of Loan Selling Advisor, the Document Custodian must provide information to Freddie Mac regarding Document Custodian’s authorized Loan Selling Advisor users and their designated user roles by completing and submitting the FAM Form or LAR Form. The Document Custodian must submit this information to Freddie Mac for each Seller with which the Document Custodian has established a custodian relationship, in accordance with Section 2202.2. Upon receipt of the completed FAM Form or LAR Form, Freddie Mac will assign user roles in Loan Selling Advisor and issue user IDs and/or passwords to Authorized Users. Freddie Mac Single-Family Seller/Servicer Guide Chapter 2403 As of 12/17/25 Page 2403-6 By executing the FAM or LAR Form, the Document Custodian represents and warrants to, and covenants with, Freddie Mac that Freddie Mac may rely on the information contained in the completed FAM Form and LAR Form. To add, remove or change a user role, a Document Custodian must submit a FAM Form or LAR Form. Note: See Section 2403.4(b) for requirements related to information security. (iii) Warehouse Lender roles In connection with use of Loan Selling Advisor, the Warehouse Lender must provide information to Freddie Mac regarding the Warehouse Lender’s authorized Loan Selling Advisor Administrators, other Authorized Employees and their designated user roles. (See Section 6305.4(c)(ii) regarding the Warehouse Lender’s use of and access to Loan Selling Advisor.) The Warehouse Lender must submit this information to Freddie Mac by completing and submitting Form 990SF, Agreement and Certificate of Incumbency: Warehouse Lender and adding its Authorized Employees in Loan Selling Advisor. To add, remove or change any user role, a Warehouse Lender must submit a FAM Form or LAR Form. By executing Form 990SF, the Warehouse Lender represents and warrants to, and covenants with, Freddie Mac that Freddie Mac may rely on the information on the Form 990SF until the Warehouse Lender adds, modifies, or removes an Authorized Employee by submitting a new Form 990SF. See Section 2403.4(b) for requirements related to information security.

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