Freddie Mac Single-Family Seller/Servicer Guide 7101.1 — Requests for Transfers of Servicing and Intra- Servicer Portfolio Moves

(C) Concurrent Transfers of Servicing with complete/full bifurcation – Co-Issue XChange® The requirements for a Concurrent Transfer of Servicing of Mortgages sold to Freddie Mac through Co-Issue XChange are contained in Exhibit 26, Agreement for Concurrent Transfer of Single-Family Mortgage Servicing Contract Rights With Complete/Full Bifurcation. Seller/Transferor Servicer agrees, by its selection of the execution path “CTOS” on the “Take Out Contract” screen in Loan Selling Advisor and selection of the Freddie Mac-approved Transferee Servicer and its applicable Seller/Servicer number in Loan Selling Advisor, that it is bound by the terms of Exhibit 26 for the Mortgages sold by Seller via the Co-Issue XChange execution path in Loan Selling Advisor. Transferee Servicers must enter into a separate agreement with Freddie Mac and provide their applicable Seller/Servicer number to both Freddie Mac and Sellers with whom they have entered into Exhibit 26. Transferee Servicer agrees that when a particular Seller sells Mortgages via the “CTOS” execution path on the “Take Out Contract” screen in Loan Selling Advisor and selects Transferee Servicer and its applicable Seller/Servicer number in Loan Selling Advisor as the Servicer, Transferee Servicer is bound by the terms of Exhibit 26 for such Mortgages. Transferee Servicer must provide to Seller the Transferee Servicer’s applicable Seller/Servicer number for loans to be sold under this program in their bilateral Servicing Transfer Agreement. A model template of such an agreement is available as Exhibit 27, Loan Sale and Servicing Transfer Agreement for Co-Issue XChange® with Complete/Full Bifurcation. (ii) Subsequent Transfers of Servicing

(A) Process At least 45 days but not more than 60 days before the requested Effective Date of Transfer for a Subsequent Transfer of Servicing, the Transferor Servicer must: ■ Access the Servicing Transfer Manager tool available via Freddie Mac Gateway® (see Exhibit 88, Servicing Tools) ■ Under the “Manage Portfolio” tab, select “Create a new STOS” request ■ Complete all required fields and respond to the questions designated for the Transferor Servicer, including selecting the Transferee Servicer ■ Submit the list of the Mortgages that are related to the Transfer of Servicing (the “Proposed Mortgage List”) through Servicing Transfer Manager Freddie Mac will notify the prospective Transferee Servicer of the requested Transfer of Servicing by e-mail using the e-mail address supplied by the Transferor Servicer in Servicing Transfer Manager. The Transferee Servicer must: ■ Log into Servicing Transfer Manager, go to the “Manage Portfolio” tab and select the Transfer of Servicing transaction that was proposed by the Transferor Servicer ■ Complete all fields designated to be completed by the Transferee Servicer for the proposed Transfer of Servicing Freddie Mac will provide both the Transferor Servicer and Transferee Servicer with additional data related to the Proposed Mortgage List and populate the responses to certain questions based on data in Freddie Mac systems that was previously supplied to Freddie Mac (e.g., by the Seller, prior Servicer or the Transferor Servicer). The Transferor Servicer must validate the accuracy and completeness of all data, the responses to all the questions and the content of the Proposed Mortgage List. Once both the Transferor Servicer and the Transferee Servicer have completed all fields and the Proposed Mortgage List is submitted, Servicing Transfer Manager will provide the Transferor Servicer and Transferee Servicer the opportunity to review an Electronic Agreement for Subsequent Transfer of Servicing of Single-Family Mortgages (“STOS Agreement”), which must be electronically signed by both Servicers, at least 45 days but not more than 60 days before the requested Effective Date of Transfer. The Transferor Servicer will have the capability to add or remove Mortgages from the Proposed Mortgage List and revalidate the responses to the various questions to ensure they remain accurate in light of the added or removed Mortgages up to eight days prior to the Effective Date of Transfer. In addition, Freddie Mac may require the Transferor Servicer to make changes to the Proposed Mortgage List. The Transferor Servicer and Transferee Servicer must agree on the final list of Mortgages related to the Transfer of Servicing prior to the Effective Date of Transfer (“Final Mortgage List”) and, in the event there were changes to the Proposed Mortgage List, the Servicers must electronically execute a new STOS Agreement related to the Final Mortgage List no later than eight days prior to the Effective Date of Transfer. If there are no changes to the Proposed Mortgage List, then such list is the Final Mortgage List, and the Servicers are not required to electronically execute a new STOS Agreement. The Servicing Contract Rights related to any Mortgage with any of the following characteristics as of the day prior to the Effective Date of Transfer are not subject to any Transfer of Servicing, notwithstanding the inclusion of such Mortgage’s loan number on the Final Mortgage List: ■ Any Mortgage that has been paid off ■ Any Mortgage that is a guaranteed or insured by the FHA or VA and has a scheduled foreclosure sale date ■ Any Mortgage that is 90 days or more delinquent; or ■ Any Mortgage that has been previously modified Servicers that wish to transfer the Servicing Contract Rights related to Mortgages that are delinquent for 90 days or more or have been previously modified must do so in accordance with the Voluntary Partial Cancellation process outlined in Chapter 7102. Refer to Section 1101.3 for information about costs and claims that may become due and payable automatically upon the execution and submission of one or more STOS requests, as defined in the Glossary definition of “Claims Event,” or the execution and submission of one or more STOS Agreements, Voluntary Partial Cancellation Agreements, or Voluntary Full Cancellation Agreements that contemplate a Transfer of Servicing that will result in the transfer of all or, in Freddie Mac’s sole determination, substantially all of the Servicing Contract Rights of the Seller/Servicer or Seller/Servicer’s Freddie Mac Servicing portfolio, either in a single transaction or a series of transactions over a 180-day period. If triggered, the Transferor Servicer must pay the outstanding costs and FRE Claims as a condition of Freddie Mac’s approval of the Transfer of Servicing or obtain a written waiver of such condition from Freddie Mac.

(B) Approval and execution Upon Freddie Mac’s approval of the Transfer of Servicing, Freddie Mac will notify the Transferor Servicer and Transferee Servicer of Freddie Mac’s approval in writing, and the Servicing Transfer Manager status for the proposed Transfer of Servicing will change to an “approved” status. Freddie Mac reserves the right to withdraw its approval of the Transfer of Servicing at any time prior to the Effective Date of Transfer in the event the Servicer makes any changes to the Proposed Mortgage List, other than removal of Mortgages, or there is an intervening event that impacts the continuing eligibility of either Servicer to engage in the Transfer of Servicing (e.g., bankruptcy, regulatory prohibition). Provided Freddie Mac does not withdraw its approval on or before the Effective Date of Transfer, Freddie Mac will electronically sign the STOS Agreement acknowledging its earlier approval for the Servicers to proceed with the Transfer of Servicing on the Effective Date of Transfer. The Effective Date of Transfer must be the first day of the month. Prior to its Electronic execution of the STOS Agreement, the Transferor Servicer must provide to the Transferee Servicer any and all data related to each Mortgage set forth in the Final Mortgage List, including the underlying data related to each such Mortgage for those questions that the Transferor Servicer answered and/or validated “yes” as the appropriate response in Servicing Transfer Manager. Specifically, the Transferor Servicer must inform the Transferee Servicer of each REO related to the Transfer of Servicing and, with respect to each Mortgage related to the Transfer of Servicing, specify by Freddie Mac loan number whether the Mortgage: 1. Has lender-purchased mortgage insurance and the terms of such insurance 2. Is subject to a credit enhancement and the type of such enhancement, if any 3. Is subject to a Trial Period Plan or mortgage modification and type of program for each (e.g., Home Affordable Modification ProgramSM, Freddie Mac Standard Modification, Freddie Mac Streamlined Modification, Freddie Mac Flex Modification®) 4. Is subject to a Payment Deferral 5. Is or may become a Senior Subordinate Mortgage and in this instance, advise the Transferee Servicer of the Servicing requirements set forth in Chapter 8601 6. Has any of the following characteristics and provide the data related to such characteristic: ■ Step-rate ■ Actual/actual remitting obligation ■ Partial principal forbearance ■ Originated pursuant to an affordable housing initiative ■ Secured by a Manufactured Home ■ Transfer of Servicing is restricted under a negotiated term of business ■ Payment cap or option ARMs, or ■ Biweekly payments 7. Has a specific remittance option, and the type of remittance option (e.g., a Payoff Draft Date 18 Mortgage as defined in Section 8303.1) 8. Has a repurchase or remedy demand in any status; and/or 9. Has a note that is an eNote, has an eModification Agreement or Electronic Payment Deferral Agreement and, in this case, names the repository holding such eNote, eModification Agreement or Electronic Payment Deferral Agreement Prior to electronically executing the STOS Agreement, the Transferee Servicer must conduct due diligence on each Mortgage related to the Transfer of Servicing to ensure that it has received all relevant data pertaining to each Mortgage and, based on that information, determine that it has the operational capacity and capability to service each such Mortgage. If the Transfer of Servicing constitutes a Claims Event, then pursuant to Section 1101.3, all FRE Claims related to the Transferor Servicer shall be deemed immediately and automatically due and payable, without the need for further action by Freddie Mac or any other party. If FRE Claims have become due and payable in connection with the foregoing, the Transferor Servicer must pay, unconditionally and in full, any and all FRE Claims as a condition to receipt of Freddie Mac’s approval of the Transfer of Servicing; however, Freddie Mac may at any time expressly waive or defer such payment obligation in writing in its sole and absolute discretion.

(C) Electronic Signature process Servicers engaging in a Subsequent Transfer of Servicing must comply with the Servicing Transfer Manager Electronic Signature process. A Servicer’s completion of all required fields, validation of the answers to all questions set forth in Servicing Transfer Manager related to the Final Mortgage List, and electronic execution and submission of the STOS Agreement in accordance with this chapter and any additional requirements set forth in Servicing Transfer Manager or the Servicing Transfer Manager User Guide is an Eligible Electronic Transaction as defined. In addition, the fully executed STOS Agreement is a Purchase Document. Each Servicer engaging in a Subsequent Transfer of Servicing must electronically sign the STOS Agreement and submit it to Freddie Mac via Servicing Transfer Manager as an Electronic Record with its respective duly authorized employees’ Electronic Signatures attached to or logically associated with such Electronic Record. Freddie Mac will acknowledge its approval, if granted, by electronically signing the STOS Agreement in Servicing Transfer Manager and will notify both the Transferor Servicer and the Transferee Servicer of such approval and the availability of the fully executed STOS Agreement in Servicing Transfer Manager. The Transferor Servicer and the Transferee Servicer each must download and retain the fully executed STOS Agreement and Final Mortgage List in their respective Servicing systems. Electronic Signature process defined terms E Electronic Relating to technology having electrical, digital, magnetic, wireless, optical, electromagnetic, or similar capabilities, as defined in the “UETA” and/or “E-SIGN” Electronic Record A “Record” created, generated, sent, communicated, received, or stored by “Electronic” means, as defined in the “UETA” and/or “E-SIGN.” The term also includes a paper document converted into an Electronic Record. Electronic Signature An “Electronic” sound, symbol or process attached to, or logically associated with, a contract or other “Record” and executed or adopted by a person with the intent to sign the “Record,” as defined in the “UETA” and/or “ESIGN” eNote An Electronic Record that would be a promissory note if it was issued in paper, and that the Borrower has agreed to issue it as a Transferable Record. eModification Agreement An agreement that is an Electronic Record that complies with the applicable modification requirements of the Guide and includes, with respect to paper Notes, Electronic modification agreements and Electronic Electronic Signature process defined terms E assumption and release of liability agreements under Chapters 9206 and 8406, respectively. Electronic Payment Deferral Agreement An agreement that is an Electronic Record that complies with the applicable Payment Deferral requirements of the Guide, as set forth in and subject to Chapter 9203. Eligible Electronic Transaction An “Electronic Transaction” that Freddie Mac has required or permitted the Seller/Servicer to engage in and/or conduct, as specified in Chapter 1401, other chapters of the Guide or the Seller/Servicer’s other Purchase Documents (iii) Denied Transfer of Servicing requests Freddie Mac reserves the right to deny a Transfer of Servicing request. Freddie Mac may provide the Transferor Servicer written notice of the denial but is not obligated to provide a written notice explaining the reason for denial. (iv) Freddie Mac’s rights (A) Unauthorized Servicing Transfer An Unauthorized Servicing Transfer constitutes grounds for suspension or disqualification of both the purported Transferor Servicer and purported Transferee Servicer as Seller/Servicers. Any Unauthorized Servicing Transfer constitutes a Claims Event under Section 1101.3, pursuant to which all FRE Claims shall be deemed immediately due and payable. In addition to its rights at law and equity, Freddie Mac may exercise any of its other rights under the Purchase Documents. An Unauthorized Servicing Transfer (including an Unauthorized Transaction as defined in Section 2101.12) will result in the assessment of a compensatory fee determined by Freddie Mac not to exceed 1% of Freddie Mac’s share of the UPB of the Mortgages that were related to the Unauthorized Servicing Transfer. The imposition of this compensatory fee does not limit Freddie Mac’s rights to exercise any of its other rights under the Purchase Documents including, without limitation, suspension or disqualification of both the unauthorized Transferor Servicer and purported Transferee Servicer as Seller/Servicers, as well as causing all FRE Claims to be deemed immediately due and payable pursuant to Section 1101.3. If an Unauthorized Servicing Transfer occurs, the unauthorized Transferor Servicer and purported Transferee Servicer are jointly and severally liable to Freddie Mac with respect to any losses, costs and damages (including, but not limited to, attorney fees and related court and legal costs) incurred by Freddie Mac arising out of or related to the Unauthorized Servicing Transfer. (B) Post-transfer reviews Freddie Mac may perform a post-transfer review of any approved Transfer of Servicing, which may include onsite visits, to determine whether the Transferor Servicer and Transferee Servicer complied with the requirements of the Guide and applicable Purchase Documents. Freddie Mac may also request the Servicer to perform a post-transfer review and provide documentation of such review. (v) Intra-Servicer Portfolio Move Request for Servicing of Single-Family Mortgages Certain Servicers have been allocated two or more Seller/Servicer numbers with respect to specific Mortgages that they service for Freddie Mac. If a Servicer wishes to consolidate or reallocate the loan numbers attributable to one of its Seller/Servicer numbers to another of its Seller/Servicer numbers (the “New Seller/Servicer Number”) (an “Intra-Servicer Portfolio Move”), the Servicer must submit an Intra-Servicer Portfolio Move Request for Servicing of Single-Family Mortgages and a list of such Mortgages via Servicing Transfer Manager and obtain Freddie Mac’s prior approval by undertaking the following steps: ■ At least 30 days, but not more than 60 days, prior to the requested effective date of change, the Servicer must log into Servicing Transfer Manager, go to the “Manage Portfolio” tab, select “Create New Request” and then and select “Intra-Servicer Portfolio Move Request” ■ Complete all questions designated to be completed by the Servicer ■ Submit the list of Mortgages related to the change in Seller/Servicer number ■ Sign the Intra-Servicer Portfolio Move Request to acknowledge the terms and conditions associated with the change in Seller/Servicer number Upon receipt of the Intra-Servicer Portfolio Move Request and the list of related Mortgages, Freddie Mac will review the list to ensure that the Servicing of such Mortgages may be reallocated to the New Seller/Servicer Number. Upon Freddie Mac’s approval, the Seller/Servicer number associated with the Mortgages will change in Freddie Mac’s systems as of the requested effective date of change, and the Servicer must make corresponding changes in its systems as of the same date. An approved Intra-Servicer Portfolio Move does not result in any change to the rights, liabilities and obligations the Servicer owes towards Freddie Mac under the Purchase Documents. Once the Servicer receives Freddie Mac’s approval, the Servicer must inform its Document Custodian of the new Seller/Servicer Number. Servicers must also ensure that Principal and Interest Payments and Escrow Funds received from Mortgages included in the Intra-Servicer Portfolio Move Request are deposited in the Custodial Account associated with the New Seller/Servicer Number. See Section 8302.1(a) for more information.