Freddie Mac Single-Family Seller/Servicer Guide 1401.4 — Representations, warranties and covenants for

Eligible Electronic Transactions; indemnification and liability; applicable law (12/17/25) This section contains requirements related to: ■ Representations, warranties and covenants for Eligible Electronic Transactions engaged in or conducted by the Seller/Servicer with Freddie Mac ■ Representations, warranties and covenants for Eligible Electronic Transactions engaged in or conducted by the Seller/Servicer’s TPPs ■ Indemnification ■ Electronic Transaction liability ■ Law governing Electronic Transactions

(a) Representations, warranties and covenants for Eligible Electronic Transactions engaged in or conducted by the Seller/Servicer with Freddie Mac The Seller/Servicer represents and warrants to, and covenants with, Freddie Mac, that: ■ The Seller/Servicer’s Systems are compatible with Freddie Mac’s Systems, and the Seller/Servicer is able to receive, view, retrieve, print, send and store Electronic Records in connection with conducting Eligible Electronic Transactions with Freddie Mac ■ The Seller/Servicer’s Systems permit the Seller/Servicer to deliver Electronic Records, with or without Electronic Signatures, to Freddie Mac ■ Copies of paper Records and Electronic Records, delivered to Freddie Mac have been duly authorized by the Seller/Servicer and are true, complete and correct ■ Records delivered to Freddie Mac that have a copy or representation of the Seller/Servicer’s representative’s written signature or Electronic Signature affixed thereto, attached thereto or logically associated therewith, shall be conclusive verification that the Seller/Servicer (i) duly authorized the completion, execution and delivery of such Records to Freddie Mac, and (ii) intended to be bound and is bound by the terms and conditions in such Records ■ The Seller/Servicer waives any and all defenses, claims, counterclaims and/or assertions that Records delivered to Freddie Mac with the Seller/Servicer’s representative’s written signature or Electronic Signature affixed thereto, attached thereto or logically associated therewith, was not authorized by the Seller/Servicer ■ The Seller/Servicer shall also be bound to such terms and conditions in such Records if Seller/Servicer (i) performs any of the duties or undertakes any of the obligations set forth in such Records, or (ii) uses any of the services, rights, privileges or benefits made available to the Seller/Servicer in such Records ■ If the Seller/Servicer is required or permitted by Freddie Mac to conduct Eligible Electronic Transactions, the Seller/Servicer shall not alter any language, the organization of information or the display of information in any Freddie Mac forms, documents, exhibits or Uniform Instruments or any other paper Records or Electronic Records used in connection with any such Eligible Electronic Transactions without Freddie Mac’s express written consent

(b) Representations, warranties and covenants for Eligible Electronic Transactions engaged in or conducted by the Seller/Servicer’s TPPs The Seller/Servicer represents and warrants to, and covenants with, Freddie Mac that: ■ Each TPP’s Systems are compatible with the Seller/Servicer’s Systems ■ Each TPP’s Systems are able to readily print, store, send, receive, store and retrieve Electronic Records or Electronic Signatures that may be sent to the Seller/Servicer or received from the Seller/Servicer in connection with conducting Eligible Electronic Transactions ■ Records or Electronic Records delivered to the Seller/Servicer by any TPP that contain a copy or representation of the TPP’s representative’s written signature or Electronic Signature affixed thereto, attached thereto or logically associated therewith, are valid, enforceable, effective and have been duly authorized by the TPP ■ Electronic Records delivered to the Seller/Servicer by the Seller/Servicer’s TPPs (with or without the Electronic Signatures) are true, correct and complete Electronic Records, and the TPPs are bound by the terms and conditions in such Electronic Records ■ The Seller/Servicer waives any and all defenses, claims, counterclaims and/or assertions that any Electronic Records delivered to the Seller/Servicer by the TPPs (with or without Electronic Signatures) were not authorized by the TPPs

(c) Indemnification With respect to all Electronic Transactions engaged in or conducted by the Seller/Servicer with Freddie Mac or all Electronic Transactions conducted by the TPPs with the Seller/Servicer, the Seller/Servicer agrees to indemnify, defend and hold Freddie Mac and Freddie Mac’s technology provider(s) harmless from and against any and all losses, costs, claims, actions and damages, including, but not limited to, indirect, incidental, special or consequential damages (whether foreseeable or not), liabilities, judgments, legal fees, counterclaims or defenses that Freddie Mac or Freddie Mac’s technology provider(s) become subject to or incur as a result of any challenge, dispute or lawsuit relating to: ■ The loss, theft, unauthorized or improper disclosure or use of Confidential Means of Access to Freddie Mac’s Systems caused by the errors, omissions or negligence of the Seller/Servicer or its TPPs ■ The destruction, corruption, malfunction or appropriation of, or damage or change to any part of, Freddie Mac’s Systems, Electronic Records, Electronic Signatures or data (e.g., financial information, proprietary information, confidential information or personal private information) stored in Freddie Mac’s Systems caused by the Seller/Servicer’s or the Seller/Servicer’s TPP’s errors, omissions or negligence ■ The Seller/Servicer’s or the Seller/Servicer’s TPP’s failure to adopt, maintain and administer minimum security standards to safeguard and protect Freddie Mac’s Systems from unauthorized persons, malicious software or other harmful computer information, commands, codes or programs ■ The Seller/Servicer’s or the Seller/Servicer’s TPP’s claim or defense that certain Electronic Transactions conducted by the Seller/Servicer or the Seller/Servicer’s TPP were not authorized by the Seller/Servicer, the Seller/Servicer’s TPP or any other party, or that certain Records or Electronic Records (with or without Electronic Signatures) delivered to Freddie Mac were not authorized by the Seller/Servicer or the Seller/Servicer’s TPP or any other party ■ The Seller/Servicer’s or any of the Seller/Servicer’s TPP’s signature, Electronic Signature, Record or Electronic Record is (or are) Electronic ■ The Seller/Servicer’s repudiation of: ❑ The Seller/Servicer’s signature or Electronic Signature affixed to, attached to or logically associated with a Record or Electronic Record (or copy thereof) delivered to Freddie Mac, or ❑ A copy or representation of the Seller/Servicer’s representative’s signature or Electronic Signature affixed to, attached to or logically associated with a Record or Electronic Record that has been sent to Freddie Mac by the Seller/Servicer using a fax machine, computer or other Electronic device and received by Freddie Mac using a fax machine, computer or other Electronic device as a Record or Electronic Record ■ The Seller/Servicer’s TPP’s repudiation of: ❑ A copy or representation of any TPP’s representative’s written signature or Electronic Signature affixed to, attached to or logically associated with a Record or Electronic Record (or copy thereof) delivered to the Seller/Servicer ❑ A copy or representation of any TPP’s representative’s written signature or Electronic Signature that is affixed to, attached to or logically associated with a Record or Electronic Record that has been sent to the Seller/Servicer by the Seller/Servicer or the Seller/Servicer’s TPP using a fax machine, computer or other Electronic device and received by the Seller/Servicer or Freddie Mac using a fax machine, computer or other Electronic device, as a copy of the Record or Electronic Record ■ The authenticity, validity, enforceability or effectiveness of any Record, Electronic Record or Electronic Signature delivered to Freddie Mac by the Seller/Servicer or delivered to the Seller/Servicer by the Seller/Servicer’s TPP

(d) Electronic Transaction liability Freddie Mac shall not be liable to the Seller/Servicer or any other party participating in any Electronic Transactions for any delays or other failures in performing Freddie Mac’s obligations under any Eligible Electronic Transactions where such delay or failure: ■ Is caused by any event beyond Freddie Mac’s control, ■ Could not be reasonably foreseen at the time of the Electronic Transaction, ■ Results in consequences that could not be avoided or overcome, or ■ Is caused by Freddie Mac’s, the Seller/Servicer’s, the Correspondent’s and/or Mortgage Broker’s or any other party’s internet service provider In addition, Freddie Mac shall not be liable to the Seller/Servicer or any other party participating in any Electronic Transactions for indirect, incidental, special or consequential damages of any type arising out of or relating in any manner to the electronic transmission of Records, Electronic Records or Electronic Signatures whether under contract, tort or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages. The Seller/Servicer and any other party participating in Electronic Transactions shall be liable for any and all losses, costs, expenses, legal fees and/or damages, including, but not limited to, indirect, incidental, special or consequential damages, whether foreseeable or not, incurred by Freddie Mac or Freddie Mac’s technology provider and which are the result of the Seller/Servicer’s, the Seller/Servicer’s technology provider’s, the Correspondent’s and/or Mortgage Broker’s or any other party’s failure to comply with Freddie Mac’s requirements in connection with conducting Eligible Electronic Transactions.

(e) Law governing Electronic Transactions The law governing Electronic Transactions shall be E-SIGN and/or the UETA, as enacted by an applicable State. Under no circumstances will any Electronic Transaction be governed by the Uniform Computer Information Transactions Act (UCITA) unless Freddie Mac expressly agrees in a written or Electronic amendment to the Seller/Servicer’s Purchase Documents.