Freddie Mac Single-Family Seller/Servicer Guide Section 3601.1 — Freddie Mac remedies

Freddie Mac Single-Family Seller/Servicer Guide Section 3601.1 — Freddie Mac remedies

3601.1: Freddie Mac remedies (11/19/25) This section contains information related to: ■ Remedies and related requirements ■ Additional actions ■ Occurrence of a Claims Event; resulting liability immediately due and owing to Freddie Mac (a) Remedies and related requirements In addition to any other remedies it may have at law or in equity or elsewhere in any Purchase Document, for any Mortgage it purchased, Freddie Mac may require the Seller or Servicer to (and the Seller or Servicer agrees to): ■ Indemnify Freddie Mac and hold it harmless for any loss, damage or expense (including court costs and reasonable attorney fees) that it may sustain ■ Repurchase Freddie Mac’s interest in the Mortgage at any time if the Borrower or any other party in the Mortgage transaction has made any misstatement, misrepresentation or omission in conjunction with such transaction, whether or not the Seller or Servicer was a party to or had knowledge of such false representation ■ Repurchase Freddie Mac’s interest in the Mortgage or comply with the terms of any repurchase alternatives at any time under any of the other circumstances set forth in Sections 3602.2(a) and 3602.2(b) ■ Terminate the Servicing Contract and related Servicing Contract Rights pursuant to Chapter 3603 ■ Set off any amounts owed by a Seller/Servicer to Freddie Mac against any other funds that Freddie Mac owes to a Seller/Servicer, including, but not limited to, workout incentives, expense reimbursements or any other amounts (b) Additional actions In addition to the above remedies and those it may have at law, in equity and pursuant to the Purchase Documents, Freddie Mac has the right to take (and the Seller or Servicer agrees to comply with) additional actions, including, without limitation: Freddie Mac Single-Family Seller/Servicer Guide Chapter 3601 As of 11/19/25 Page 3601-2 ■ Engage in more frequent dialogue, quality control or quality assurance reviews or onsite reviews and/or require the Seller/Servicer to provide additional information or data ■ Require the Seller/Servicer to provide an action, business continuity or remediation plan acceptable to Freddie Mac to address specific requirements not met ■ Require the Servicer to provide a performance monitoring plan acceptable to Freddie Mac to address specific requirements not met ■ Demand further reasonable assurances or information ■ Issue a demand for any other specific corrective action ■ Limit the risk characteristics of Mortgages to be acquired by Freddie Mac from the Seller/Servicer ■ Limit negotiated terms of business to Mortgages acquired by Freddie Mac from the Seller/Servicer ■ Limit or deny the acceptability of the Seller/Servicer’s and the affiliate’s products or services in connection with Freddie Mac’s business ■ Restrict or deny participation in new products, initiatives or programs offered by Freddie Mac ■ Impose additional fees upon Mortgages acquired by Freddie Mac from the Seller/Servicer ■ Revoke Freddie Mac Servicer Honors and Rewards Program (SHARP)SM designation, servicing rewards or other honorary accolades ■ Set off or recoup any amounts or obligations that Freddie Mac owes to the Seller/Servicer against any amounts or obligations owed by the Seller/Servicer to Freddie Mac under any Purchase Document or any other agreement by and between Seller/Servicer and Freddie Mac ■ Require posting of collateral, in cash or cash equivalent ■ Impose business volume limits for Mortgages to be acquired by Freddie Mac from the Seller/Servicer ■ Limit additional Servicing that can be acquired by the Seller/Servicer ■ Add the Seller/Servicer’s Senior Management to the Freddie Mac Exclusionary List ■ Require engagement of a Servicing Agent or replacement of an existing Servicing Agent Freddie Mac Single-Family Seller/Servicer Guide Chapter 3601 As of 11/19/25 Page 3601-3 ■ Require voluntary or involuntary Transfer of Servicing, in whole or in part, including without limitation to Voluntary Partial Cancellations require repurchase of all Mortgages in default ■ Suspend the Seller/Servicer ■ Terminate the Seller/Servicer ■ Terminate, in whole or in part, the Servicing Contract and related Servicing Contract Rights (c) Occurrence of a Claims Event; resulting liability immediately due and owing to Freddie Mac Upon the occurrence of any Claims Event, all FRE Claims related to the Seller/Servicer shall be deemed immediately and automatically due and payable, without further action required by Freddie Mac or any other party. As a condition to receipt of Freddie Mac’s approval of, or consent to, such Claims Event, a Seller/Servicer must pay, unconditionally and in full, any and all FRE Claims. If applicable, the calculation of FRE Claims is conclusive absent manifest error; however, Freddie Mac may at any time expressly waive or defer such payment obligation, in whole or in part, in writing in its sole and absolute discretion. Freddie Mac Single-Family Seller/Servicer Guide Chapter 3602 As of 11/19/25 Page 3602-1 Chapter 3602: Repurchases

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