Freddie Mac Single-Family Seller/Servicer Guide Section 2408.3 — Compliance and legal framework

Freddie Mac Single-Family Seller/Servicer Guide Section 2408.3 — Compliance and legal framework

2408.3: Compliance and legal framework (12/17/25) This section contains requirements related to: ■ Special representations and warranties, covenants, and agreements ■ Amendments and updates (a) Special representations and warranties, covenants, and agreements (i) Compliance and commitments in Servicing Freddie Mac Mortgages The Servicer represents and warrants to, covenants and agrees with Freddie Mac that the Servicer is in compliance with and will continue to comply with all of the requirements of this chapter, any other applicable Purchase Documents, system processes and rules, terms of use, privacy policy, security standards and any user guides and instructions in connection with Servicing Freddie Mac Mortgages using the Servicing Tools. (ii) Controlled access to the Freddie Mac Exclusionary List The Freddie Mac Exclusionary List is made available to Servicers via Freddie Mac Gateway®. Each time the Servicer accesses any Freddie Mac Servicing Tool, the Servicer represents and warrants to Freddie Mac that Servicer has never: ■ Provided access to or otherwise made the Exclusionary List available to a Related Third Party or any other party except as permitted under and in accordance with Section 1201.8(a)(iii); or Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2408 As of 12/17/25 Page 2408-4 ■ Enabled or permitted any person or entity on the Exclusionary List to access or use any Servicing Tool whether directly or indirectly through the Servicer or any Related Third Party Further, the Servicer covenants and agrees that it will not, under any circumstances, do so in the future. (b) Amendments and updates The Servicer acknowledges and agrees that Freddie Mac may amend, revise and/or update the Servicing Tools, this chapter and/or any other applicable Purchase Documents, and any such amendment, revision and/or update will be effective as of the date specified by Freddie Mac. 2408.4: Electronic Transactions management (12/17/25) This section contains requirements related to: ■ Electronic Transactions ■ Access to copies of Electronic Transactions Records (a) Electronic Transactions (i) Consent to conduct Electronic Transactions The Servicer consents to conduct Electronic Transactions with Freddie Mac using the Freddie Mac Servicing Tools and Excluded Servicing Tools including, but not limited to, using Electronic Records and Electronic Signatures in accordance with Chapter 1401. The Servicer agrees that the Servicer’s employees may use Electronic Signatures, which shall be the Servicer’s adopted and authorized Electronic Signatures, as defined in Section 1401.2(b), which also includes the process of using a computer mouse to “click on” terms, words, items, images, numbers or buttons on screens in the Servicing Tools and Excluded Servicing Tools. (ii) Servicing Tools requirements The Servicer acknowledges that Freddie Mac has provided the Servicer with the minimum hardware, software, browser and other internet connectivity requirements the Servicer needs to conduct Electronic Transactions using the Servicing Tools. Freddie Mac Single-Family Seller/Servicer Bulletin Chapter 2408 As of 12/17/25 Page 2408-5 (b) Access to copies of Electronic Transactions Records The Servicer acknowledges and agrees that the Servicer’s ongoing access to copies of Records and Electronic Records related to any Electronic Transactions conducted by the Servicer in the Servicing Tools will be either: ■ Paper copies printed by the Servicer; or ■ Electronic copies the Servicer is able to download or save to its computers The Servicer acknowledges that it is responsible for making or obtaining copies of such Records and Electronic Records. If the Servicer is unable to print, download or copy any of the Records or Electronic Records, the Servicer may contact Freddie Mac for possible assistance. Freddie Mac Single-Family Seller/Servicer Guide Chapter 3101 As of 12/17/25 Page 3101-1 Chapter 3101: Freddie Mac Exclusionary List and FHFA Suspended Counterparty Program

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