source:
  type: guide
  id: fhlmc-2401.1
  authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2401.1 — Master
    Systems License
  description: Freddie Mac Single-Family Seller/Servicer Guide Section 2401.1 — Master
    Systems License.
  coverage_tier: operative
obligations:
- id: fhlmc-2401.1-full
  canonical_id: fhlmc-2401.1-full
  section: Freddie Mac Single-Family Seller/Servicer Guide Section 2401.1 — Master
    Systems License
  type: do
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  - fhlmc
  - freddie-guide
  - corpus-expansion
  - tier-operative
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    tier: 1
    authority: Freddie Mac Single-Family Seller/Servicer Guide Section 2401.1 — Master
      Systems License
    source_class: fhlmc-guide
    source_url: https://guide.freddiemac.com/ci-guide
    snapshot_id: 5869ee9e606cd4ae
    fetched_at: '2026-05-23T00:27:40Z'
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    paragraph_quote: '2401.1: Master Systems License (12/17/25) This section constitutes
      the base terms and conditions for the licensing framework authorizing the use
      of Freddie Mac Systems, and, as such, contains contractual provisions related
      to: ■ Scope and applicability ■ Definitions ■ Royalty free use license ■ Licensed
      Materials; use and other limitations ■ System access; interface development
      and maintenance; Related Third Parties ■ Authorized User registration; access
      management and security; requirements for Excluded Servicing Tools ■ Ownership
      of the Licensed Materials; rights in data ■ Representations and warranties;
      indemnification ■ Limited warranty; liability limitation ■ Term and Termination
      ■ Additional Provisions (a) Scope and applicability Immediately upon a User’s
      first access to a System on or after the Effective Date, the Seller/Servicer
      shall be bound by the terms and conditions of this Section 2401.1 (i.e., the
      “Master Systems License”) and, to the extent applicable, any System-Specific
      License. Except with respect to Section 2401.1(f) and the Seller/Servicer’s
      use of Freddie Mac Access Manager, neither this Master Systems License nor any
      System-Specific License shall apply to any Excluded Servicing Tool, which shall
      continue to be governed by its separate license, user agreement or similar document.
      (b) Definitions Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401
      As of 12/17/25 Page 2401-2 The definitions below apply solely for purposes of
      this Master Systems License and each System-Specific License. Capitalized terms
      used but not defined in this Master Systems License have the meaning set forth
      in the Glossary or as otherwise specified in the Guide: Definitions for purposes
      of this Master Systems License and each System-Specific License A Access Manager
      The meaning is set forth in Section 2401.1(f)(i) below Administrator The meaning
      is set forth in Section 2401.1(f)(ii) below Aggregate Data The meaning is set
      forth in Section 2401.1(g)(iv) below Authentication Credentials The meaning
      is set forth in Section 2401.1(f)(i) and (ii) below Authorized User Any employee
      or contract worker of the Seller/Servicer or of a Related Third Party who is
      authorized by the Seller/Servicer or such Related Third Party to access and
      use the Licensed Materials in connection with his or her responsibilities to
      the Seller/Servicer and/or the Related Third Party. Authorized Users are sometimes
      referred to in Purchase Documents as “Permitted Users” D Distributed Code Any
      application or operating system software provided or made available by Freddie
      Mac (or third parties on behalf of Freddie Mac) to the Seller/Servicer for implementation
      at a Seller/Servicer location in connection with the Purpose. Documentation
      User guides, job aids, training materials, any written instructions (including
      such instructions as they relate to administering Authentication Credentials
      and any other Confidential Means of Access), and any other documentation relating
      to a System that Freddie Mac provides or makes available to the Seller/Servicer,
      as amended from time to time E Effective Date The date, set forth in the Guide
      Bulletin pursuant to which the Master Systems License and each System-Specific
      License is published, on or after which a User’s access to a System will bind
      the Seller/Servicer or Related Third Party, Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2401 As of 12/17/25 Page 2401-3 as applicable, to the Master Systems
      License and each System-Specific License Enhancements The meaning is set forth
      in Section 2401.1(g)(ii) below Excluded Servicing Tool A Servicing Tool that
      is governed by a separate license, user agreement or similar document (whether
      in the Guide or elsewhere) other than a System-Specific License F Form The meaning
      is set forth in Section 2401.1(f)(i) below L License The meaning is set forth
      in Section 2401.1(k)(iii) below Licensed Materials Individually and collectively,
      the Systems, Output and Documentation M Master Systems License The meaning set
      forth in Section 2401.1(a) above O Output Any reports, findings, feedback certificates,
      messages (including those in such reports, findings or certificates), data,
      information or other content generated by a System that is provided or made
      available to the Seller/Servicer P Purpose The meaning is set forth in Section
      2401.1(c) below R Related Third Party The meaning is set forth in the Glossary
      S Specifications The meaning is set forth in Section 2402.1(b) Support Services
      Services provided by Freddie Mac or its contractors to support the operation
      and maintenance of a System Sys-to-Sys Credentials The meaning is set forth
      in Section 2401.1(f)(i) below System Individually and collectively, a Freddie
      Mac-owned, -leased, -licensed or -controlled technology platform whether or
      not identified in a System-Specific License including, without Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-4 limitation, Distributed
      Code, Specifications, any related computer, other hardware or electronic device,
      application or operating system software, website, private data or other communication
      network, interface (including any application programming interface (API) created
      and hosted by Freddie Mac to facilitate back-end access to its systems) and/or
      connectivity which, in each instance, Freddie Mac provides or makes available
      to the Seller/Servicer in connection with the Purpose; provided, however, that
      the term “System” as used in this Master Systems License and any System- Specific
      License shall not include any Excluded Servicing Tool or the Uniform Collateral
      Data Portal®; and provided further that the term “System” shall include Access
      Manager. The term “System,” as used within this Master Systems License and any
      System-Specific License, is to be construed as within the meaning of the term
      “Systems” as this latter term is defined in Chapter 1401. System Data The meaning
      is set forth in Section 2401.1(g)(iii) below System-Specific License Each license
      set forth in Chapter 2402, 2404, 2405 and 2406. T Third Parties The meaning
      is set forth in Section 2401.1(i) below U User Any individual who gains access
      to the Licensed Materials directly or indirectly through the Seller/Servicer
      or a Related Third Party, and includes Authorized Users User IDs The meaning
      is set forth in Section 2401.1(f)(i) below (c) Royalty free use license Freddie
      Mac grants to the Seller/Servicer a limited, revocable, non-exclusive, non-
      transferable license to access and use the Licensed Materials through its Authorized
      Users during the term of this Master Systems License and any System-Specific
      License; provided, however, that such access and use shall be solely for the
      Seller/Servicer’s internal business purposes in connection with its origination
      and/or Servicing of Mortgages, as applicable (collectively, the “Purpose”).
      The Seller/Servicer may allow Related Third Parties to access and use the Licensed
      Materials solely to the extent necessary to discharge their respective responsibilities
      to the Seller/Servicer in connection with the Purpose, except to the extent
      prohibited by or, if permitted, subject to any requirements set forth in, any
      applicable Purchase Document; provided, however, the Seller/Servicer shall obligate
      each such Related Third Party in writing Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2401 As of 12/17/25 Page 2401-5 to comply with the terms of this
      Master Systems License and each applicable System- Specific License, as set
      forth in Section 2401.1(e)(iii). Except as otherwise indicated by Freddie Mac
      in any relevant Documentation or Purchase Document, Freddie Mac does not currently
      assess a fee in connection with the Seller/Servicer’s use of any System but
      expressly reserves the right to do so in the future. The Seller/Servicer acknowledges
      that it may incur (and will be responsible for) costs from third parties such
      as credit reporting agencies, other vendors and other Related Third Parties
      in connection with its use of certain Systems. (d) Licensed Materials; use and
      other limitations (i) Use of Licensed Materials Use of the Licensed Materials
      is subject to, and the Seller/Servicer shall comply at all times with: ■ The
      terms of this Master Systems License and any applicable System-Specific License
      ■ The Documentation; and ■ All other applicable requirements of the Purchase
      Documents (including, but not limited to, requirements relating to confidentiality
      such as those set forth in Section 1201.8) The Seller/Servicer’s use of each
      System constitutes an Eligible Electronic Transaction, as such term is defined
      in Section 1401.1(b), using Freddie Mac Systems within the meaning of the Guide,
      including, without limitation, Chapter 1401. (ii) Prohibited uses Under no circumstances
      shall the Seller/Servicer: (A) Provide access to or otherwise make the Freddie
      Mac 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
      (B) Enable or permit any person or entity on the Freddie Mac Exclusionary List
      to access or use the Licensed Materials, whether directly or indirectly through
      the Seller/Servicer or any Related Third Party (iii) Seller responsibilities
      and Freddie Mac rights Freddie Mac Single-Family Seller/Servicer Guide Chapter
      2401 As of 12/17/25 Page 2401-6 The Seller/Servicer is and shall remain fully
      responsible and liable for use of the Licensed Materials by each Related Third
      Party and any User and expressly consents to the sharing and receipt of Output,
      data and information among and between the Seller/Servicer and each Related
      Third Party as permitted by a System and described in its Documentation. The
      Seller/Servicer shall have controls in place to ensure that each Related Third
      Party and Authorized Users comply with the terms of this Master Systems License
      and any System-Specific License in their use of the Licensed Materials. Freddie
      Mac reserves the right, at any time and in its sole discretion, to modify, enhance,
      retire or otherwise cease providing the Licensed Materials or the Support Services.
      To the extent possible, Freddie Mac will endeavor to provide reasonable notice
      of any such action, unless it is legally required to cease providing the Licensed
      Materials immediately. Regardless of such action by Freddie Mac, the Seller/Servicer
      agrees that it will remain in full compliance with all applicable law in connection
      with its origination and Servicing of Mortgages. (iv) Distributed Code Regarding
      the Distributed Code, the Seller/Servicer shall: (A) Not make any copies of
      the Distributed Code, other than for the limited purpose of creating a single
      archival or backup copy (B) Use only the most recent version of the Distributed
      Code provided or made available by Freddie Mac (C) Follow Freddie Mac’s instructions
      concerning the cessation of use of the Distributed Code (including any old or
      retired versions thereof); and (D) Except to the extent otherwise permitted
      by Freddie Mac in writing, to not distribute to or otherwise share any Output
      with, a party not otherwise licensed by Freddie Mac to access such Output, except
      with respect to a consumer to whom such Output relates, upon his or her request
      (v) Licensed Materials Regarding Licensed Materials, the Seller/Servicer shall:
      (A) Not make any representation, statement or suggestion to a third party regarding
      any capability of any Licensed Materials that purport to be, or might reasonably
      be construed to be, made on behalf of Freddie Mac Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-7 (B) Not issue
      any press release regarding its use of the Licensed Materials, or otherwise
      use Freddie Mac’s name or marks in any marketing or promotional materials without
      the prior written consent of a duly authorized officer of Freddie Mac; and (C)
      Permit Freddie Mac, from time to time upon reasonable notice, to audit facilities
      and systems used in conjunction with the Licensed Materials to confirm compliance
      with the requirements of this Master Systems License and any System-Specific
      License (e) System access; interface development and maintenance; Related Third
      Parties (i) System access The Seller/Servicer may access a System by means of
      a: (A) Web server hosted by or on behalf of Freddie Mac (B) System-to-system
      interface between the System and the Seller/Servicer’s platform which is developed
      and maintained by the Seller/Servicer and approved in writing by Freddie Mac;
      and/or (C) System interface with a Related Third Party-provided loan origination
      or other loan manufacturing tool or Servicing Tool (ii) Interface development
      and maintenance With respect to its System access under Section 2401.1(e)(i)(B),
      Freddie Mac may provide the Specifications to the Seller/Servicer pursuant to
      Section 2402.1 to facilitate the Seller/Servicer’s design, development and maintenance
      of the system-to-system interface with such System. With respect to its System
      access under Section 2401.1(e)(i)(C), Freddie Mac may have conducted limited
      testing on Related Third Party interfaces with loan origination or other loan
      manufacturing tools or Servicing Tools, and those interfaces which have been
      deemed to be compatible with identified Systems are listed on Freddie Mac’s
      website. Notwithstanding any Freddie Mac-conducted testing or website identification,
      and, without limiting the application of any other provision of this Master
      Systems License or a System- Specific License, Freddie Mac assumes no responsibility
      for, and shall bear no liability whatsoever arising out of or related to any
      interface identified in Sections 2401.1(e)(i)(B) or 2401.1(e)(i)(C), despite
      the fact that such an interface provides access to a System, or that Freddie
      Mac may have conducted limited testing or provided Support Services or other
      assistance with respect to the same. (iii) Related Third Parties Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-8
      As permitted under Section 2401.1(c), the Seller/Servicer may engage Related
      Third Parties to assist it in its furtherance of the Purpose. Freddie Mac does
      not endorse any Related Third Party or sanction any engagement by the Seller/Servicer
      of any Related Third Party. The Seller/Servicer shall maintain a separate, independent
      contract with each Related Third Party concerning the Seller/Servicer’s use
      of such party’s platform, product or service. As part of such contract, the
      Seller/Servicer may appoint a Related Third Party to act as the Seller/Servicer’s
      agent for purposes of gaining access to a System, including entering data into
      the System, ordering and receiving consumer credit data through the System,
      and obtaining Output, in each instance on behalf of its principal, the Seller/Servicer.
      The Seller/Servicer shall be responsible for and bear all liability arising
      out of or related to any act or omission of its Related Third Parties, including
      any act or omission that causes a Seller/Servicer to violate any applicable
      law and/or any provision of the Guide or other Purchase Document. Under no circumstances
      shall Freddie Mac assume any responsibility or bear any liability whatsoever
      arising out of or related to any act or omission of a Related Third Party, notwithstanding
      that Freddie Mac may have facilitated the relationship between the Seller/Servicer
      and such Related Third Party. The Seller/Servicer shall include in its separate,
      independent contracts with Related Third Parties provisions that (1) bind each
      Related Third Party to the terms and conditions of this Master Systems License
      and each applicable System-Specific License and (2) specifically designate Freddie
      Mac as an express, intended third-party beneficiary of each such contract solely
      for the purpose of enforcing Freddie Mac’s rights under such contract. Additionally,
      the Seller/Servicer shall monitor the performance of its Related Third Parties
      so as to ensure the compliance of each with this Master Systems License and
      each applicable System-Specific License. Freddie Mac may also maintain separate,
      independent contracts with Related Third Parties regarding their respective
      provision of platforms and services to other entities, including the Seller/Servicer.
      Freddie Mac may from time to time and in its sole discretion terminate any such
      contract, which termination could result in the need for the Seller/Servicer
      to obtain an alternate platform, product and/or service from an alternative
      provider. Freddie Mac will attempt to notify the Seller/Servicer of such termination,
      but shall have no liability arising out of or in connection with any such termination,
      whether or not prior notice is provided to the Seller/Servicer. (f) Authorized
      User registration; access management and security; requirements for Excluded
      Servicing Tools Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401
      As of 12/17/25 Page 2401-9 (i) Authorized User registration To facilitate its
      provision of System access to a Related Third Party for use on its behalf as
      provided hereunder, the Seller/Servicer may share Authorized Users’ identification
      codes (“User IDs”) and passwords, PIN or other access codes, including system-level
      access codes (“Sys-to-Sys Credentials”), together with User IDs, the “Authentication
      Credentials,” with such Related Third Party. In addition, Freddie Mac may provide
      or make available to the Seller/Servicer: ■ An electronic registration form
      for the provisioning of Authentication Credentials and Authorized Users (“Form”)
      and/or ■ Access Manager, an automated access and credential management application
      designed to facilitate the Seller/Servicer’s management of Authentication Credentials
      and its Authorized Users, which may also include one or more Forms (collectively,
      “Access Manager”) (ii) Access Manager The Seller/Servicer shall, and, if applicable,
      shall cause each Related Third Party to, specifically identify each Authorized
      User for the System in Access Manager. Access Manager may require the designation
      of one or more Authorized Users to perform administrative functions for the
      particular System (each, an “Administrator”) such as: ■ Identifying other Authorized
      Users to whom Freddie Mac may grant System(s) access ■ Receiving the Authentication
      Credentials from Freddie Mac; and ■ Adding or deleting Authorized Users and
      modifying or submitting new User IDs and completing additional Forms in accordance
      with the Documentation. (iii)Security and safeguarding requirements Without
      limiting the application of any information security or other similar requirement
      of a Purchase Document including, without limitation, any contained in Chapter
      1302, the Seller/Servicer shall safeguard and protect all information it provides
      to Access Manager, as well as all Authentication Credentials and other Confidential
      Means of Access (as that term is defined in Section 1401.1(b)), and shall adopt
      security measures to prevent the loss, theft, unauthorized access, disclosure,
      compromise or use of any of the foregoing. Such measures shall include the maintenance
      of up-to-date virus detection software to protect against malware and other
      malicious software. As soon as practicable, and, in any event, no later than
      within one Business Day of an Administrator’s name change, or an employee’s
      or contractor’s termination, the Seller/Servicer shall either: Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-10 ■ Utilize Access
      Manager to register the Administrator name change, or remove or otherwise delete
      such employee or contract worker as an Authorized User; or ■ Notify Freddie
      Mac of such name change or termination so that Freddie Mac may register the
      name change or revoke the employee’s or contractor’s access to each System (iv)
      Required notifications to Freddie Mac The Seller/Servicer shall notify Freddie
      Mac as soon as practicable and, in any event, no later than within one Business
      Day in the event: ■ Of any actual or suspected loss, theft or unauthorized access,
      disclosure, compromise or use of any System, Authentication Credential, or any
      other Confidential Means of Access ■ The Seller/Servicer has reason to believe
      that an Administrator’s access to a System, including Access Manager, is no
      longer secure for any reason ■ An unauthorized User has gained access to a System
      ■ An Authorized User has gained access to a System that he or she is not authorized
      to access or use; or ■ An Authorized User has used a System for purposes other
      than the Purpose (v) Recertification and credential management From time to
      time an Administrator may be required by Access Manager to engage in campaigns
      to recertify the authorizations and roles of Authorized Users. The Administrator
      shall comply with all reasonable instructions, including any provided through
      Access Manager, for any such campaign. The Seller/Servicer shall reset Authentication
      Credentials no less than once every 90 days, except with respect to Sys-to-Sys
      Credentials, which shall be reset no less than once every 365 days. In the event
      such resets do not occur, or if Authentication Credentials have not been used
      for a period of at least 90 days, or Sys-to-Sys Credentials have not been used
      for a period of at least 365 days, then, in any such event, Freddie Mac may,
      in its sole discretion, deactivate System access associated with any such Authentication
      Credential. (vi) Security best practices and responsibility Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-11 Without limiting
      the application of any other provision of this Section 2401.1(f) or a Purchase
      Document, the Seller/Servicer agrees to implement and maintain industry best
      practices with respect to the security of, and access to, each System, including
      the imposition and enforcement of requirements against sharing of Authentication
      Credentials between and among Users, and accepts all risks and liability resulting
      from any failure to adopt and maintain such industry best practices. (vii) Excluded
      Servicing Tools The Seller/Servicer shall manage each of its Authorized Users’
      access to those Excluded Servicing Tools that Freddie Mac designates from time
      to time in accordance with the Authorized User registration, access management,
      and security requirements set forth in this Section 2401.1(f). The Seller/Servicer
      shall not permit a Related Third Party to access an Excluded Servicing Tool
      unless otherwise permitted by Freddie Mac in writing (e.g., under another section
      of the Guide, other Purchase Document, applicable user agreement, system license
      or related system documentation). Until Freddie Mac designates an Excluded Servicing
      Tool as subject to this Section 2401.1(f), including through the issuance of
      a Form identifying such Excluded Servicing Tool, the Seller/Servicer must continue
      to follow the user access and security requirements applicable to such Excluded
      Servicing Tool. (g) Ownership of the Licensed Materials; rights in data (i)
      Ownership and confidentiality The Licensed Materials are the sole and exclusive
      property of Freddie Mac (or, as applicable, its third-party licensors). The
      Seller/Servicer acknowledges that it has no ownership or other rights or interests
      in the Licensed Materials, except to the extent of the rights expressly granted
      in this Master Systems License and any System-Specific License, and covenants
      that it will treat all nonpublic information and data concerning the Licensed
      Materials and any Support Services as strictly confidential in accordance with
      Section 1201.8. The Seller/Servicer will not modify, enhance, disassemble or
      reverse engineer any Licensed Materials in any manner or for any reason. All
      rights in and to copyrights, trade secrets, patents, trademarks and other rights
      in and to the Licensed Materials shall be the property of and remain with Freddie
      Mac (or, as applicable, its third-party licensors). (ii) Restrictions on use;
      Enhancements; and proprietary notices The Seller/Servicer agrees that Freddie
      Mac shall be the sole and exclusive owner of any actual or proposed changes,
      modifications, upgrades or enhancements in functionality, Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-12 design or otherwise,
      to the Licensed Materials and any successor products or systems (collectively,
      the “Enhancements”). The Seller/Servicer hereby assigns, and agrees to assign,
      to Freddie Mac all rights in the Enhancements, without any recourse to the Seller/Servicer.
      The Seller/Servicer understands and acknowledges that Freddie Mac shall not
      be under any obligation to consider or implement any Enhancements it may suggest
      or recommend to Freddie Mac. The Seller/Servicer shall reproduce without modification
      on any copy of the Output, Specifications or Documentation all copyright, confidentiality
      and other proprietary notices included on the original version or otherwise
      provided or made available by the System or Freddie Mac. (iii)Use of System
      data The Seller/Servicer acknowledges and agrees that Freddie Mac may use, modify,
      reproduce and retain all data: (A) Submitted by a User to any System (B) Generated
      in the utilization of a System that pertains to the functionality or performance
      of the System; and/or (C) Necessary or useful in assisting Freddie Mac in the
      provision of Support Services (all such data collectively referenced in this
      Section 2401.1(g)(iii) as the “System Data”) for all purposes related to such
      System, the underlying software and models, and any actual or potential Mortgage
      to which such data relate, including, without limitation, for analytic, statistical,
      quality control and similar purposes (iv) Use of System Data or Aggregate Data
      Freddie Mac may provide statistical, comparative and summary information derived
      from the System Data (i.e., the “Aggregate Data”) to Freddie Mac’s customers
      and other third parties; provided, however, that except to the extent permitted
      or required by applicable law, Aggregate Data shall be anonymized and shall
      not specifically identify or be linked to any consumer. Notwithstanding the
      foregoing, Freddie Mac will not disclose System Data or Aggregate Data in a
      manner that either associates the Seller/Servicer with a particular Mortgage
      file, or enables the recipient of any such data to determine that the Seller/Servicer
      submitted such Mortgage file to the System, in either case unless: (A) Required
      by applicable law, a subpoena or a court order; or Freddie Mac Single-Family
      Seller/Servicer Guide Chapter 2401 As of 12/17/25 Page 2401-13 (B) Consented
      to by the Seller/Servicer. Notwithstanding anything to the contrary contained
      in this Master Systems License or any System-Specific License, Freddie Mac may
      provide System Data and Aggregate Data to: ■ FHFA ■ Any agency of the federal
      government ■ Any State government; or ■ As otherwise permitted by the Purchase
      Documents As set forth in Sections 1201.9 and 3301.1(a), and notwithstanding
      anything to the contrary contained in this Master Systems License or any System-Specific
      License, all System Data, Aggregate Data and other data and information associated
      with a Mortgage that is purchased or guaranteed by Freddie Mac shall be the
      sole and exclusive property of Freddie Mac, which it may use for any purpose
      including, but not limited to, such purposes set forth in this Section 2401.1(g).
      (h) Representations and warranties; indemnification This Master Systems License
      details the obligations and responsibilities of the Seller/Servicer concerning
      compliance with laws and representations made through data and documentation,
      including indemnification and warranty requirements, as outlined below: (i)
      General representations and warranties The Seller/Servicer acknowledges and
      agrees that: (A) All of the representations and warranties it is deemed to make
      under applicable Purchase Documents with respect to loan documentation, data
      and other information it provides to Freddie Mac shall apply to any such materials
      it or any User provides to Freddie Mac through any System, as well as to the
      Seller/Servicer’s use of the Licensed Materials; and (B) Freddie Mac will have
      all rights and remedies available to it under the Purchase Documents with respect
      to a breach by the Seller/Servicer of any such representation or warranty or
      any Seller/Servicer misrepresentation (ii) Legal compliance In addition to the
      provisions of Sections 2401.1(h)(i)-(iii) or any other provision of a Purchase
      Document pertaining to its compliance with laws including, without limitation,
      Section 1301.2 and Chapter 4202, the Seller/Servicer represents, warrants and
      agrees that Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401 As
      of 12/17/25 Page 2401-14 it has obtained or, if applicable, will obtain, legal
      counsel and has developed policies, systems and procedures to ensure that its
      use of the Licensed Materials is, and, at all times relevant to this Master
      Systems License and any System-Specific License, shall remain, in full compliance
      with: (A) All federal, State and local laws, rules and regulations applicable
      to its activities in connection with which any Licensed Materials are used,
      including, without limitation, the Real Estate Settlement Procedures Act, the
      Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity
      Act and the Home Mortgage Disclosure Act, and each of their implementing regulations
      and commentary, as applicable; and (B) All applicable laws, rules, regulations
      and conventions relating to data privacy, international communications and the
      importation and exportation of software and data The Seller/Servicer bears sole
      responsibility for complying with all laws, rules, regulations and conventions
      referenced in the preceding Section 2401.1(h)(ii), and shall not rely on the
      Licensed Materials in connection with its compliance efforts. The Seller/Servicer
      acknowledges and agrees that: (A) The Licensed Materials do not analyze compliance
      with laws, regulations, or ordinances, or with any requirements that may be
      imposed by any regulator; and (B) The Seller/Servicer’s compliance obligations
      shall in no event be imposed upon, assumed or shared by Freddie Mac as a result
      of the Seller/Servicer’s (or any Related Third Party’s) use of the Licensed
      Materials (iii)User and Administrator representations In addition to the provisions
      of Sections 2401.1(h)(i)-(ii), the Seller/Servicer further represents, warrants
      and agrees that: (A) Each Administrator is an officer of the Seller/Servicer
      or is otherwise specifically authorized by the Seller/Servicer to perform such
      administrative functions (B) Each User is duly authorized to act on behalf of,
      and has full authority to legally bind the Seller/Servicer by such User’s acts
      and omissions (C) Freddie Mac is entitled to rely on the truth, accuracy and
      completeness of all data and information submitted by each Administrator and
      any other User to each System, including any data and information submitted
      through a Form; and (D) No computer virus, including any malware, time bomb
      or any code designed to cause a System to malfunction or self-destruct or allow
      unauthorized access or cause harm to a System shall be introduced into a System
      by or through the Seller/Servicer. Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2401 As of 12/17/25 Page 2401-15 (iv) Indemnification In addition
      to its obligations under the provisions of any Purchase Document, including
      Chapter 1401, the Seller/Servicer shall indemnify Freddie Mac and its directors,
      officers, employees, agents, successors and assigns and hold each harmless from
      and against any and all liabilities, losses, claims, damages, costs and expenses,
      including reasonable attorneys’ fees, arising directly or indirectly out of
      or relating to: ■ Any User’s use of the Licensed Materials; and/or ■ Any breach
      of a Seller/Servicer representation, warranty, covenant and/or obligation under
      this Master Systems License or any System-Specific License, whether such breach
      arises out of its own action or inaction or the action or inaction of a Related
      Third Party, any User, or of any Seller/Servicer or Related Third Party director,
      officer, employee, subcontractor, partner, principal, agent, successor or assign
      Freddie Mac shall provide the Seller/Servicer with notice of any such claim
      after it comes to Freddie Mac’s attention. (i) Limited warranty; liability limitation
      Freddie Mac represents and warrants that it has the right to grant the Seller/Servicer
      the rights specified in this Master Systems License and any System-Specific
      License. EXCEPT AS EXPRESSLY PROVIDED IN SECTION 2401.1(c)(iii), THE LICENSED
      MATERIALS AND THE SUPPORT SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE”
      BASIS, AND ALL USES OF THE FOREGOING ARE AT THE SELLER/SERVICER’S, A RELATED
      THIRD PARTY’S AND EACH USER’S SOLE RISK. FREDDIE MAC MAKES NO REPRESENTATIONS
      OR WARRANTIES WITH RESPECT TO ANY DATA OR OTHER INFORMATION OBTAINED, PROVIDED
      OR TRANSMITTED THROUGH ANY SYSTEM, INCLUDING, WITHOUT LIMITATION, ANY DATA OR
      OTHER INFORMATION CONTAINED IN A CONSUMER REPORT. EXCEPT TO THE EXTENT EXPRESSLY
      PROVIDED IN SECTION 2401.1(i), ALL WARRANTIES (BOTH EXPRESS AND IMPLIED) CONCERNING
      THE LICENSED MATERIALS AND THE SUPPORT SERVICES ARE HEREBY EXPRESSLY DISCLAIMED,
      INCLUDING ANY WARRANTIES OF MERCHANTABILITY, ACCURACY AND/OR FITNESS FOR A PARTICULAR
      PURPOSE. ONE OR MORE SYSTEMS MAY INCLUDE COLOR DESIGNATIONS IN THEIR RESPECTIVE
      OUTPUT, SOME OF WHICH MAY BE EMBEDDED IN ICONS. ANY SUCH COLOR DESIGNATION (INCLUDING
      ANY ICON IN WHICH SUCH A DESIGNATION IS EMBEDDED) IS INTENDED SOLELY AS A VISUAL
      GUIDE FOR INDICATING THE NEED (IF ANY) FOR AN AUTHORIZED USER TO REVIEW DATA
      FILES FOR ERRORS OR INCONSISTENCIES, AS SET FORTH IN THE LICENSED MATERIALS.
      SUCH DESIGNATIONS AND ICONS 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 2401 As of 12/17/25 Page 2401-16 PURPOSES OF TRIGGERING DATA FILE
      REVIEWS AS SET FORTH IN THE LICENSED MATERIALS. NO OUTPUT (INCLUDING ANY DESIGNATION
      OR ICON) GENERATED BY A SYSTEM SHALL BE INTERPRETED OR CONSTRUED AS GIVING RISE
      TO ANY AGREEMENT OR OBLIGATION ON THE PART OF FREDDIE MAC TO PURCHASE ANY MORTGAGE
      ASSOCIATED WITH THE OUTPUT. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS
      MASTER SYSTEMS LICENSE OR IN ANY SYSTEM-SPECIFIC LICENSE: (A) FREDDIE MAC WILL
      HAVE NO LIABILITY TO (1) THE SELLER/SERVICER, OR (2) ANY RELATED THIRD PARTY,
      ANY USER OR ANY OTHER INDIVIDUAL OR ENTITY (COLLECTIVELY, “THIRD PARTIES”) FOR
      INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY TYPE WHATSOEVER,
      INCLUDING, WITHOUT LIMITATION, LOST PROFITS ARISING OUT OF OR RELATING IN ANY
      MANNER WHATSOEVER TO THE LICENSED MATERIALS, THE SUPPORT SERVICES, OR ANY USE
      THEREOF, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, EVEN
      IF FREDDIE MAC, SELLER/SERVICER OR ANY THIRD PARTY IS AWARE OF THE POSSIBILITY
      OF SUCH DAMAGES (B) FREDDIE MAC WILL HAVE NO LIABILITY TO ANY THIRD PARTY FOR
      ANY CLAIMS ARISING OUT OF OR RELATING TO THE LICENSED MATERIALS, THE SUPPORT
      SERVICES, OR ANY USE OF OR INABILITY TO USE THE LICENSED MATERIALS OR SUPPORT
      SERVICES. (C) WITHOUT LIMITING THE PROVISIONS OF SECTIONS 2401.1(i)(A) AND (B),
      FREDDIE MAC’S SOLE LIABILITY ARISING OUT OF OR RELATING TO THE LICENSED MATERIALS
      OR THE SUPPORT SERVICES FROM ANY SOURCE AND UNDER ANY THEORY OF LIABILITY WHATSOEVER,
      INCLUDING, WITHOUT LIMITATION, LIABILITY ARISING OUT OF CONTRACT, NEGLIGENCE
      OR STRICT LIABILITY, OR IN TORT OR WARRANTY, WILL CONSIST OF ACTUAL MONETARY
      DAMAGES UP TO, BUT NOT TO EXCEED, AN AGGREGATE OF FIVE THOUSAND DOLLARS ($5,000).
      FREDDIE MAC AND THE SELLER/SERVICER EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE
      LIMITATIONS AND EXCLUSIONS CONTAINED HEREIN (1) REPRESENT THE PARTIES’ AGREEMENT
      AS TO THE ALLOCATION OF RISK BETWEEN THEM (INCLUDING, WITHOUT LIMITATION, THE
      POSSIBILITY THAT A REMEDY MAY FAIL ITS ESSENTIAL PURPOSE AND CAUSE CONSEQUENTIAL
      LOSS), WITHOUT WHICH THE PARTIES WOULD NOT HAVE BEEN WILLING TO ENTER INTO THIS
      MASTER SYSTEMS LICENSE OR ANY SYSTEM-SPECIFIC LICENSE INCORPORATED HEREIN, AND
      (2) FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES (j) Term and
      Termination Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401 As
      of 12/17/25 Page 2401-17 (i) Term The term of this Master Systems License shall
      commence upon a User’s first access to any System on or after the Effective
      Date, and, except as set forth in this Section 2401.1(j), shall continue in
      full force and effect until terminated by the Seller/Servicer upon thirty (30)
      days’ prior written notice to Freddie Mac, or by Freddie Mac upon ten (10) days’
      prior written notice to the Seller/Servicer. (ii) Termination of rights under
      Master Systems License Without limiting Freddie Mac’s rights to terminate any
      User’s access to a System as provided for in this Master Systems License, Freddie
      Mac may terminate this Master Systems License and/or any System-Specific License
      and/or Seller/Servicer’s rights to access and use any specific System pursuant
      to this Master Systems License, effective immediately, upon notice to the Seller/Servicer
      in the event of any default by the Seller/Servicer under this Master Systems
      License, or any default by the Seller/Servicer under the terms of any Purchase
      Document or other agreement between Freddie Mac and the Seller/Servicer, including
      any System-Specific License. The Seller/Servicer’s rights under this Master
      Systems License will automatically terminate if and when the Seller/Servicer
      ceases to be an approved Freddie Mac Seller/Servicer. Freddie Mac may terminate
      an Authorized User’s rights to use any System if an Authorized User or Related
      Third Party identified in the Freddie Mac Exclusionary List (or any of its employees,
      contractors, directors or officers identified in the Freddie Mac Exclusionary
      List) participates as described in Section 3101.1 in the origination, sale,
      quality control or Servicing of a Mortgage or in the underlying real estate
      transaction. (iii)Effect of termination All System-Specific Licenses and the
      rights of all Authorized Users to use each System will terminate as of the effective
      date of termination of this Master Systems License. Freddie Mac may terminate,
      in its sole discretion and without notice, what it believes to be unauthorized
      access to any System by any User. Upon termination of the Seller/Servicer’s
      right to use a System, the Seller/Servicer will have no further right to access
      such System or any associated Documentation, Output or Support Services, except
      that the Seller/Servicer may retain and continue to use a copy of any Output
      associated with the System to the extent required by: (A) The Purchase Documents
      (B) The Seller/Servicer’s normal internal quality control processes or document
      retention protocols; or Freddie Mac Single-Family Seller/Servicer Guide Chapter
      2401 As of 12/17/25 Page 2401-18 (C) Applicable law, in each case subject to
      the provisions of this Master Systems License and any applicable System-Specific
      License Upon termination, the Seller/Servicer will promptly, and in no event
      later than thirty (30) days after the effective date of such termination, return
      to Freddie Mac (or, if requested by Freddie Mac, destroy and have an officer
      of the Seller/Servicer certify in writing that it has destroyed) all copies
      of Distributed Code and Documentation. Any provisions of this Master Systems
      License and any System-Specific License that contemplate their continuing effectiveness
      following termination of this Master Systems License and any System-Specific
      License including, but not limited to, Sections 2401.1(d), 2401.1(g), 2401.1(h),
      2401.1(i), 2401.1(j)(iii) and 2401.1(k) hereof shall survive any termination
      of this Master Systems License and such System-Specific License. (k) Additional
      provisions (i) Assignment The Seller/Servicer shall not assign any of its rights
      or obligations under this Master Systems License or any System-Specific License
      in any manner whatsoever without Freddie Mac’s prior written consent. (ii) Notices
      All notices required or permitted hereunder, including, but not limited to,
      notice of an amendment to the terms of this Master Systems License or any System-Specific
      License, shall be in accordance with Section 1101.2(d) or Section 1302.2(b),
      as applicable, and may be provided via the applicable System. (iii)Waivers The
      failure of either party to exercise in any respect any right or remedy provided
      for in this Master Systems License shall not be deemed a waiver of such right
      or remedy. No waiver at any time of any provision of this Master Systems License
      or any System- Specific License (any such license, a “License”) will be deemed
      a waiver of any other provision of that License or any other License, or a waiver
      of that or any other provision of this License or any other License at any other
      time. (iv) Seller/Servicer responsibilities The Seller/Servicer recognizes that
      it is responsible for: (A) Obtaining and maintaining connectivity to each System;
      and Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401 As of 12/17/25
      Page 2401-19 (B) Developing and maintaining its own record-keeping processes
      and systems for Output, in each instance at its own expense in accordance with
      the Documentation. (v) Governing law This Master Systems License and each System-Specific
      License will be construed, and the rights and obligations of the parties hereunder
      determined, in accordance with the laws of the Commonwealth of Virginia, without
      regard to provisions concerning conflicts of law. Any dispute arising out of
      or in connection with this Master Systems License and any System-Specific License
      shall be settled in a proceeding brought in the United States District Court
      for the Eastern District of Virginia, and the Seller/Servicer irrevocably submits
      to the jurisdiction and venue of that Court. Subject to the provisions of Section
      2401.1(i) above, the rights and remedies of the parties are cumulative and are
      in addition to, and not in lieu of, all rights and remedies available at law
      and in equity. (vi) Severability If any provision of this Master Systems License
      or a System-Specific License is held invalid, illegal or unenforceable, such
      provision will to that extent be deemed omitted from this Master Systems License
      or such System-Specific License, and the remaining provisions of the Master
      Systems License or System-Specific License will continue to be valid and enforceable
      and will not be affected in any way. (vii) Successors and conflicts This Master
      Systems License and each System-Specific License is binding upon the parties
      and (as permitted under Section 2401.1(k)(i)) their respective successors and
      assigns. In the event of a conflict between a term or condition of this Master
      Systems License and a term or condition of any System-Specific License, the
      term or condition of the System-Specific License shall prevail. (viii) Amendments
      Freddie Mac may amend this Master Systems License and each System-Specific License
      by providing notice to the Seller/Servicer of the terms of such amendment in
      accordance with Section 2401.1(k)(ii). The Seller/Servicer’s use of any System
      on and after the effective date of any such amendment shall constitute the Seller/Servicer’s
      consent to, and agreement with, the terms of the amendment. (ix) Access restrictions
      Freddie Mac Single-Family Seller/Servicer Guide Chapter 2401 As of 12/17/25
      Page 2401-20 Notwithstanding any other provision in the Guide to the contrary,
      Freddie Mac may utilize traffic filtering or block or otherwise restrict the
      access of Seller/Servicers, Related Third Parties and/or their respective Authorized
      Users (as defined in Section 2401.1(b)) to one or more Systems (as defined in
      Section 2401.1(b)) from certain countries or regions outside the United States.
      This may include, but is not limited to, blocking access from countries or regions
      implicated by sanctions or other restrictions imposed by the Office of Foreign
      Assets Control (“OFAC”). Freddie Mac shall have no liability to Seller/Servicers,
      their Related Third Parties or any other party as a result of imposing or effecting
      any such restrictions on access. Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 2402 As of 04/08/26 Page 2402-1 Chapter 2402: System-Specific Licenses
      for Selling Tools and Systems 2402.1: System-Specific License for Specifications
      (12/17/25) This section contains information related to: ■ Scope and applicability
      ■ Definitions ■ Provision for developing interfaces and consumer messages with
      provided specifications ■ Representations and warranties (a) Scope and applicability
      The Specifications are licensed pursuant to this System-Specific License and
      the Master Systems License. Immediately upon a User’s first receipt of any Specifications
      on or after the Effective Date, the Seller/Servicer shall be bound by this System-Specific
      License and the Master Systems License. This System-Specific License is incorporated
      into and made a part of the Master Systems License by this reference. Any reference
      herein to the System-Specific License shall be deemed to include this System-Specific
      License and the Master Systems License. (b) Definitions 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 specifications C Consumer
      Message A finding or message developed by the Seller/Servicer that is readily
      understood by a consumer and is made available to such consumer by the Seller/Servicer
      through the Lender Platform Freddie Mac Single-Family Seller/Servicer Guide
      Chapter 2402 As of 04/08/26 Page 2402-2 Definitions related to the System-Specific
      License for specifications I Interface One or more technical or user interfaces
      developed, owned and/or maintained by or on behalf of the Seller/Servicer that
      enables Users to communicate with and use one or more Systems through the transmission
      and receipt of data and other information to and from each such System by means
      of the Lender Platform L L2C Specifications Any lender-to-consumer Specifications
      provided to the Seller/Servicer that enables it to develop Consumer Messages
      Lender Platform A custom loan origination or other technology platform (including
      any web-based application, software or system as well as each Interface and
      all releases, upgrades and other modifications thereto) developed, owned and/or
      maintained by or on behalf of the Seller/Servicer Lender Test Materials The
      meaning set forth in Section 2402.1(c)(v) below S Specifications The specifications,
      including L2C Specifications, integration guides and any related technical documentation
      provided by or on behalf of Freddie Mac to enable the development and maintenance
      of each Interface and Consumer Message as applicable, including any Specification
      Update Specification Update The meaning set forth in Section 2402.1(c)(iii)
      below (c) Provision for developing interfaces and consumer messages with provided
      specifications The following terms govern Freddie Mac’s provision of Specifications
      and the Seller/Servicer’s responsibilities for developing, implementing and
      maintaining interfaces and consumer messages with one or more Systems. (i) Provision
      of Specifications Freddie Mac shall provide discrete sets of Specifications
      to the Seller/Servicer to facilitate the development of Consumer Messages and
      one or more Interfaces relating to one or more Systems. Each set of Specifications
      is incorporated into this System-Specific Freddie Mac Single-Family Seller/Servicer
      Guide Chapter 2402 As of 04/08/26 Page 2402-3 License by this reference and
      constitutes confidential information for purposes of Sections 1201.8 and 2401.1(g)(i).
      Note: The terms and conditions of this System-Specific License shall apply to
      all Specifications separately provided by Freddie Mac. (ii) Development responsibilities
      The Seller/Servicer shall develop and maintain the Interface and each Consumer
      Message solely and exclusively at its own direction, cost and expense and shall
      have complete and exclusive ownership of the Interface and each Consumer Message
      subject to the license set forth in Section 2402.1(c)(vi). (iii) Compliance
      The Seller/Servicer shall be solely responsible for the accuracy, technical
      sufficiency and functionality of the Interface. The Interface shall at all times
      comply in all respects with the Specifications, including any modifications
      to or replacements of the Specifications (each such modified or replaced version
      of a Specification referred to herein as a “Specification Update”) as Freddie
      Mac may undertake from time to time. (iv) Accuracy The Seller/Servicer shall
      be solely responsible for the accuracy of each Consumer Message, each of which
      shall at all times comply in all respects with: ■ The Specifications, including
      the L2C Specifications, and ■ All federal, State and local laws, rules and regulations
      applicable to a Consumer Message, including, without limitation, the Real Estate
      Settlement Procedures Act, Truth in Lending Act, Fair Credit Reporting Act,
      Equal Credit Opportunity Act and Home Mortgage Disclosure Act and each of their
      implementing regulations and commentary, as applicable Freddie Mac has the right,
      but not the obligation, to review and comment on each Consumer Message. The
      Seller/Servicer shall promptly make (or cause to be made) any modifications
      to a Consumer Message that Freddie Mac may request, and in no event shall any
      Consumer Message contain any (x) Output, including, without limitation, any
      credit risk categorization or loan purchase eligibility such as “Accept” or
      “Eligible,” or (y) reference to Freddie Mac or a System which reference has
      not previously been approved in writing by an officer of Freddie Mac. (v) Testing
      Except as set forth below in Section 2402.1(c)(vi), the Seller/Servicer and
      Freddie Mac may mutually agree to test the Seller/Servicer’s implementation
      of the Specifications. In Freddie Mac Single-Family Seller/Servicer Guide Chapter
      2402 As of 04/08/26 Page 2402-4 such event, Freddie Mac may retain a third-party
      vendor to perform such testing on Freddie Mac’s behalf, and the Seller/Servicer
      shall provide to Freddie Mac and/or its vendor: ■ One access privilege or one
      copy of the Lender Platform, ■ One copy of each export and any other file (including
      any Consumer Message) along with any associated documentation that includes
      the results of the Seller/Servicer’s testing (collectively with the Lender Platform,
      the “Lender Test Materials”), and ■ Reasonable assistance in such testing The
      Seller/Servicer shall use commercially reasonable efforts to correct any defects
      in the Interface revealed by any such testing. In addition to the foregoing,
      the Seller/Servicer will correct any “bugs” or other defects in the Interface
      promptly after it receives notice thereof from Freddie Mac. (vi) Specification
      updates From time to time Freddie Mac may make Specification Updates available
      to the Seller/Servicer, which the Seller/Servicer shall implement in accordance
      with the timelines and testing requirements (if any) set forth in each Specification
      Update. Freddie Mac will provide the Seller/Servicer with as much notice as
      is practicable under the circumstances with respect to each Specification Update,
      including any such update that Freddie Mac directs the Seller/Servicer to implement
      on an emergency basis. If Freddie Mac does not specify an implementation timeline
      for a Specification Update, the implementation date shall be ninety (90) days
      after publication of the Specification Update. If a Specification Update sets
      forth testing requirements, the Seller/Servicer shall not implement an associated
      version of its Interface or any related Consumer Message until Freddie Mac has
      successfully conducted its review and, as applicable, testing with the Seller/Servicer.
      (vii) License for testing The Seller/Servicer hereby grants to Freddie Mac a
      royalty-free, nonexclusive and nontransferable license to use the Lender Test
      Materials for testing and evaluation purposes as permitted under this Section
      2402.1(c). (d) Representations and warranties In addition to representations
      and warranties made and otherwise referenced in the Master Systems License,
      the Seller/Servicer represents and warrants to Freddie Mac that: Freddie Mac
      Single-Family Seller/Servicer Guide Chapter 2402 As of 04/08/26 Page 2402-5
      ■ The Interface will comply with the Specifications, ■ Each Consumer Message
      will comply with all laws and regulations as set forth in Section 2402.1(c)(iv),
      ■ The Interface will accurately transmit to the System all data and information
      input into the Interface, ■ The Lender Platform will not violate any patents,
      copyrights or other proprietary rights belonging to third parties, and ■ The
      Seller/Servicer will use its best efforts to ensure that the Lender Platform
      will at all times be and remain free of computer viruses and any code designed
      to cause the System to malfunction or self-destruct or to allow unauthorized
      access or cause harm to the System'
  judgment: false
