source:
  type: regulation
  id: fhlmc-1101.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
  description: "Freddie Mac Guide §1101.1 (Introduction to the Guide). Gap-fill (verbatim, ID-diff). \n"
obligations:
- id: fhlmc-1101.1-0
  canonical_id: fhlmc-1101.1-0
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: This section contains information related to: ■ Guide segments
    ■ Guide series and topics ■ Guide chapters and sections ■ Numbering format ■ Exhibits, forms, the Glossary and
    directories The Guide consists of Freddie Mac’s requirements relating to the purchase, sale and Servicing …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'This section contains information related to: ■ Guide segments ■ Guide series and topics ■
      Guide chapters and sections ■ Numbering format ■ Exhibits, forms, the Glossary and directories The Guide consists
      of Freddie Mac’s requirements relating to the purchase, sale and Servicing of Mortgages. The Guide’s structure
      reflects how and when Seller/Servicers interact with Freddie Mac and is organized to aid in locating the provisions
      related to the Seller/Servicer’s daily workflow. (a) Guide segments The Guide is grouped into three segments:
      ■ Freddie Mac Seller/Servicer Relationship ■ Selling ■ Servicing The Guide’s design places the provisions
      applicable to all Seller/Servicers in one central location (Freddie Mac Seller/Servicer Relationship) and
      then differentiates between those for selling and Servicing. Although the Guide has distinct Selling and Servicing
      segments, there may be information and/or cross references for Servicers in the Selling segment and for Sellers
      in the Servicing segment. Additionally, the Guide contains exhibits, forms, the Glossary and directories.
      (b) Guide series and topics Within each segment, there are three distinct series of topics relating to that
      segment, totaling nine series. The titles of topics are intended to facilitate navigation and searching capabilities.
      The series of topics within each segment are described below.'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-1
  canonical_id: fhlmc-1101.1-1
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-2 Topics within each segment of the Guide Description of series
    Summary of topics Freddie Mac Seller/Servicer Relationship Series 1000, General Contract Terms Series 1000 covers
    the contractual relationship between the Seller/Servicer and Freddie Mac. ■ Legal effect of the Gu…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 101-2 Topics within each segment of the Guide Description of series Summary of topics Freddie
      Mac Seller/Servicer Relationship Series 1000, General Contract Terms Series 1000 covers the contractual relationship
      between the Seller/Servicer and Freddie Mac. ■ Legal effect of the Guide ■ Freddie Mac policies ■ General
      Seller/Servicer representation and warranties ■ Electronic transactions ■ Types of Seller purchase contracts
      Series 2000, Doing Business with Freddie Mac Series 2000 covers Seller/Servicer eligibility and other requirements
      for doing business with Freddie Mac. ■ Becoming a Freddie Mac Seller/Servicer ■ Establishing third-party relationships
      (e.g., Document Custodians) ■ Access and use of Freddie Mac Systems ■ Disqualifying or suspending a Freddie
      Mac Seller/Servicer Series 3000, Risk Management and Remedies Series 3000 covers management of risks related
      to the purchase and Servicing of Mortgages. ■ Freddie Mac Exclusionary List and FHFA Suspended Counterparty
      Program ■ Fraud prevention, detection and reporting ■ Mortgage file contents and retention ■ Quality control
      programs ■ Review of Servicer performance ■ Remedies (including repurchase and termination of Servicing)
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-2
  canonical_id: fhlmc-1101.1-2
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-3 Selling Series 4000, Mortgage Eligibility Series 4000 covers
    the eligibility of Mortgages for sale to Freddie Mac. ■ Uniform Instruments ■ General Mortgage eligibility ■
    Loan purpose ■ Special Mortgage eligibility requirements ■ Affordable Mortgages and Duty to Serve ■ Spec…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 101-3 Selling Series 4000, Mortgage Eligibility Series 4000 covers the eligibility of Mortgages
      for sale to Freddie Mac. ■ Uniform Instruments ■ General Mortgage eligibility ■ Loan purpose ■ Special Mortgage
      eligibility requirements ■ Affordable Mortgages and Duty to Serve ■ Special Freddie Mac Mortgage Products
      ■ Insurance requirements Series 5000, Origination and Underwriting Series 5000 covers underwriting the Borrower
      and determining the adequacy of the property securing the Mortgage. ■ Determining Borrower eligibility ■ Credit
      assessment ■ Stable monthly income and asset qualification sources ■ Evaluation of monthly obligations ■ Assets
      ■ Property eligibility and appraisal requirements ■ Condominium and Cooperative Projects ■ Uniform Closing
      Dataset Series 6000, Selling and Delivery Series 6000 covers Freddie Mac Mortgage purchase programs and Mortgage
      delivery requirements. ■ Cash programs ■ Guarantor and MultiLender Swap programs ■ Mortgage delivery instructions
      ■ Assessment and payment of fees ■ Delivery and custody of Mortgage documents ■ Warehouse financing arrangements
      Servicing Series 7000, Transfers of Servicing Series 7000 covers the process for facilitating Transfers of
      Servicing. ■ Transfer of Servicing requirements ■ Reporting to Freddie Mac ■ Document Custody transfer
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-3
  canonical_id: fhlmc-1101.1-3
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-4 Series 8000, Servicing All Mortgages Series 8000 covers
    general requirements for Servicing. ■ Day-to-day Servicer responsibilities ■ Investor accounting and remitting
    ■ Custodial funds management ■ Escrow and insurance ■ Property-related matters ■ Servicer compensation ■ Se…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-4 Series 8000, Servicing All Mortgages Series 8000 covers general requirements for Servicing.
      ■ Day-to-day Servicer responsibilities ■ Investor accounting and remitting ■ Custodial funds management ■
      Escrow and insurance ■ Property-related matters ■ Servicer compensation ■ Servicer reports Series 9000, Servicing
      Default Management Series 9000 covers Servicing Mortgages in default. ■ Ongoing Servicer responsibilities
      ■ Collection efforts ■ Alternatives to foreclosure ■ Foreclosure ■ Bankruptcy ■ REO ■ Reimbursement of expenses
      (c) Guide chapters and sections Each topic contains at least one chapter, and each chapter contains at least
      one section. The titles of chapters and sections are intended to facilitate navigation and searching capabilities.
      (d) Numbering format The numbering system of the Guide reflects how the provisions are grouped by segment,
      series and topic. The format is as follows: ■ XXXX.XX – The first digit indicates the series number (For example,
      Series 6000, Selling and Delivery, or Series 5000, Origination and Underwriting) ■ XXXX.XX – The second digit
      indicates the topic number, which can have one or many chapters ■ XXXX.XX – The last 2 digits before the decimal
      point indicate the chapter number ■ XXXX.XX – The 2 digits after the decimal indicates the section number
      For example, in Section'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-4
  canonical_id: fhlmc-1101.1-4
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-5 ■ 1101.1 – The first “1” represents that this section is
    located in Series 1000, General Contract Terms ■ 1101.1 – The second “1” represents that this section is located
    in the first topic of Series 1000, Topic 1100 – The Guide ■ 1101.1 – The “01” before the decimal point r…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-5 ■ 1101.1 – The first “1” represents that this section is located in Series 1000, General
      Contract Terms ■ 1101.1 – The second “1” represents that this section is located in the first topic of Series
      1000, Topic 1100 – The Guide ■ 1101.1 – The “01” before the decimal point represents that this section is
      located in the first chapter within Topic 1100, Chapter 1101, The Guide ■ 1101.1 – The “1” after the decimal
      point represents that this is the first section in Chapter 1101, Section 1101.1, Introduction to the Guide
      This numbering can help in locating specific content. For example, these are the steps a Seller/Servicer could
      take if it wants to locate the Guide requirements about reporting fraud and other Suspicious Activity: ■ First,
      the segment should be identified. This is a requirement that applies to both Sellers and Servicers and is
      contained within the Freddie Mac Seller/Servicer Relationship Segment. ■ Second, the series should be found.
      As this is part of risk management, the relevant series is Series 3000, Risk Management and Remedies. ■ Next,
      the topic needs to be determined. These requirements are contained within topic 3200: Fraud Prevention, Detection
      and Reporting; Reporting Other Suspicious Activity. ■ Finally, the chapter and section within the topic need
      to be located. In this case, the chapter title mirrors the topic heading, Chapter 3201: Fraud Prevention,
      Detection and Reporting; Reporting Other Suspicious Activity. The specific provisions about this subject are
      contained in Section'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-5
  canonical_id: fhlmc-1101.1-5
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: Fraud and other Suspicious Activity reporting requirements. The
    numerical reference to this provision, then, is Section 3201.2. (e) Exhibits, forms, the Glossary and Directories
    The Guide also includes the following types of provisions: ■ Exhibits: Exhibits referenced are Freddie…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Fraud and other Suspicious Activity reporting requirements. The numerical reference to this
      provision, then, is Section 3201.2. (e) Exhibits, forms, the Glossary and Directories The Guide also includes
      the following types of provisions: ■ Exhibits: Exhibits referenced are Freddie Mac exhibits unless otherwise
      indicated ■ Forms: Forms referenced are Freddie Mac forms unless otherwise indicated ■ Glossary: The Glossary
      contains definitions of select terms used in the Guide ■ Directories: The directories contain Freddie Mac
      contact information (i.e., addresses, telephone numbers, fax numbers and e-mail addresses) to be used for
      specific questions,'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-6
  canonical_id: fhlmc-1101.1-6
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-6 requests and documentation. Guide references to directories
    are indicated with a bolded parenthetical (e.g., “(see Directory 5)”).'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 101-6 requests and documentation. Guide references to directories are indicated with a bolded
      parenthetical (e.g., “(see Directory 5)”).
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-7
  canonical_id: fhlmc-1101.1-7
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: Legal effect of the Guide and other Purchase Documents (02/11/26)
    This section contains requirements related to: ■ Status of the Guide as a contract ■ Reliance upon the advice
    of counsel ■ Assignments; security interests ■ Freddie Mac and Seller/Servicer notice exchange ■ Severab…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: 'Legal effect of the Guide and other Purchase Documents (02/11/26) This section contains requirements
      related to: ■ Status of the Guide as a contract ■ Reliance upon the advice of counsel ■ Assignments; security
      interests ■ Freddie Mac and Seller/Servicer notice exchange ■ Severability ■ Defined terms ■ Construction
      of the Guide ■ Entire agreement ■ Governing law ■ Copyright ■ Headings and design features (a) Status of the
      Guide as a contract (i) Effect of the Guide and other Purchase Documents The Guide governs the business relationship
      between a Seller/Servicer and Freddie Mac relating to the sale of Mortgages to, and Servicing of such Mortgages
      for, Freddie Mac. Each Seller/Servicer must complete and submit an Annual Certification Report (as described
      in Section 2101.10) that certifies that the Seller/Servicer has access to the Guide and complies with all
      requirements of the Purchase Documents. In connection with the sale of a Mortgage or pool of Mortgages to
      Freddie Mac, the Seller/Servicer:'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-8
  canonical_id: fhlmc-1101.1-8
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-7 ■ Agrees that each transaction is governed by the Guide,
    the applicable Purchase Contract and all other Purchase Documents, and ■ Makes all appliable representations
    and warranties to, and agreements and covenants with, Freddie Mac as set forth in the Purchase Documents Reg…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-7 ■ Agrees that each transaction is governed by the Guide, the applicable Purchase Contract
      and all other Purchase Documents, and ■ Makes all appliable representations and warranties to, and agreements
      and covenants with, Freddie Mac as set forth in the Purchase Documents Regardless of the Servicing option
      selected upon a sale of Mortgages to Freddie Mac, a Seller/Servicer agrees to service all such Mortgages that
      the Seller/Servicer has sold to Freddie Mac in accordance with the requirements set forth in the Seller/Servicer’s
      Purchase Documents. As set forth in Section 7101.1(b) and the applicable Transfer of Servicing agreement,
      each Transferee Servicer agrees to service all Mortgages related to a Transfer of Servicing in accordance
      with the requirements set forth in the Transferee Servicer’s Purchase Documents. All of a Seller/Servicer’s
      obligations to service Mortgages for Freddie Mac constitute, and must be performed pursuant to, the Servicing
      Contract, and the Servicing obligations assumed pursuant to any contract to sell Mortgages to Freddie Mac
      are merged into and must be performed pursuant to such Servicing Contract. Upon the Settlement Date of the
      sale of a Mortgage (or group of Mortgages) to Freddie Mac, or the Effective Date of Transfer of any Transfer
      of Servicing, the Seller/Servicer or Transferee Servicer agrees that the Servicing Contract and related Servicing
      Contracts Rights that are the subject of a Concurrent or Subsequent Transfer of Servicing, as well as any
      proceeds to be paid to the Seller/Servicer as Transferor Servicer for such Transfer of Servicing, are subject
      to the Lien as defined in Section 1101.2(c). A Seller/Servicer acknowledges that Freddie Mac’s agreement to
      purchase Mortgages from the Seller/Servicer pursuant to any individual Purchase Contract is based upon the
      Seller/Servicer’s agreement that the Mortgages purchased will be serviced by such Seller/Servicer pursuant
      to the Servicing Contract, which Servicing Contract and related Servicing Contract Rights may be assigned
      to another Servicer pursuant to a Transfer of Servicing, subject to obtaining Freddie Mac’s prior written
      approval as set forth in Chapter 7101. The following summarizes the legal and accounting treatment of Servicing
      Contract Rights, including their non-ownership and implications for contract breaches with Freddie Mac: ■
      Under no circumstance does a Seller/Servicer retain any legal ownership of the Servicing Contract or any related
      Servicing Contract Rights ■ Freddie Mac acknowledges that a Seller/Servicer may recognize Servicing Contract
      Rights as assets on its balance sheet in the form of “mortgage servicing rights” in accordance with generally
      accepted accounting principles (GAAP); however, such'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
- id: fhlmc-1101.1-9
  canonical_id: fhlmc-1101.1-9
  section: Freddie Mac Guide 1101.1
  description: '1101.1 Introduction to the Guide: 101-8 recognition as under GAAP does not confer to a Seller/Servicer
    any legal ownership interest in any Servicing Contract Rights ■ The Seller/Servicer agrees that any failure
    to service any Mortgage in accordance with the terms of the Servicing Contract, or any breach of any of…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - fhlmc-guide
  - section-complete
  primary_source:
    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide §1101.1 — Introduction to the Guide (12/17/25)
    source_class: gse-guide
    source_url: https://guide.freddiemac.com/
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:9a1b23e5024bb369e7a59d36b3702383c11ace68b5d209fdef791bc8f955c637
    paragraph_quote: '101-8 recognition as under GAAP does not confer to a Seller/Servicer any legal ownership interest
      in any Servicing Contract Rights ■ The Seller/Servicer agrees that any failure to service any Mortgage in
      accordance with the terms of the Servicing Contract, or any breach of any of the Seller/Servicer’s obligations
      under any aspect of the Servicing Contract, shall be deemed to constitute a breach of the entire contract
      and shall entitle Freddie Mac to terminate all or a portion of the Servicing Contract and any related Servicing
      Contract Rights ■ The termination of a portion of the Servicing Contract shall not alter the unitary, indivisible
      nature of the Servicing Contract If a Servicer that services Mortgages for Freddie Mac is not also the Seller
      of the Mortgages to Freddie Mac, the Servicer must agree to service Mortgages for Freddie Mac by separate
      agreement (e.g., Form 960, Agreement for Concurrent Transfer of Servicing of Single-Family Mortgages, or Electronic
      Agreement for Subsequent Transfer of Servicing of Single-Family Mortgages (STOS Agreement)), which incorporates
      the applicable Purchase Documents. In such case, the separate agreement shall be deemed to be one of the “Purchase
      Documents” that constitute the Servicing Contract. In addition, in certain cases, a Seller and/or Servicer
      who uses certain Freddie Mac services will, by virtue of the provisions of the Guide, be deemed to have agreed
      upon certain terms and conditions related to such services and their use. (ii) Amendments to the Guide Freddie
      Mac may, in its sole discretion, amend or supplement the Guide from time to time. Amendments to the Guide
      may be a paper Record or an Electronic Record, as those terms are defined in Chapter 1401. The Guide may not
      be amended orally. Freddie Mac may amend the Guide by: ■ Publishing Bulletins (applicable to all Sellers/Servicers),
      or ■ Entering into a Purchase Contract or other written or Electronic agreement applicable only to the Seller/Servicer
      that is a party to the Purchase Contract or agreement Bulletins expressly amend, supplement, revise or terminate
      specific provisions of the Guide. An amendment, supplement, revision or termination of a provision in the
      Guide is effective as of the date specified by Freddie Mac in the applicable Bulletin. A Purchase Contract
      or other written agreement or Electronic agreement amends or supplements specific provisions of the Guide
      for purposes of such Purchase Contract or other agreement, as applicable. Such amendments or supplements to
      the Guide are effective as of the date specified in the Purchase Contract or other agreement. Refer to the
      following Guide provisions for additional information related to amendments to the Guide:'
    drafter_attestation: Verbatim from Freddie Guide §1101.1 body (max-gap occurrence), snapshot 5869ee9e606cd4ae;
      substring-verified.
  judgment: false
