source:
  type: guide
  id: fhlmc-2402.2
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific
    Licenses
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific
    Licenses.
  coverage_tier: operative
obligations:
- id: fhlmc-2402.2-full
  canonical_id: fhlmc-2402.2-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific
    Licenses
  type: do
  tags:
  - regulator-direct
  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2402.2 — System-Specific
      Licenses
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '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.'
  judgment: false
