Freddie Mac Single-Family Seller/Servicer Guide 7101.4 — Endorsement of Notes and assignment of

Security Instruments, transfer of records and document custody requirements for Transfers of Servicing (12/17/25) This section contains requirements related to: ■ Endorsement of Notes and assignment of Security Instruments for Mortgages related to Transfers of Servicing ■ Concurrent or Subsequent Transfers of Servicing for a Mortgage secured by a Manufactured Home located in a certificate of title State ■ Document custody requirements for Transfers of Servicing

(a) Endorsement of Notes and assignment of Security Instruments for Mortgages related to Transfers of Servicing The Notes for Mortgages sold to Freddie Mac are endorsed in blank in accordance with Section 6301.2(a). When a Transfer of Servicing occurs, the Transferor Servicer must prepare and complete assignments of the Security Instrument described below but may not complete the blank endorsement on the Note or further endorse it. LNAs are not “live” Notes and cannot be endorsed under any circumstance. (i) Concurrent Transfers of Servicing for Mortgages not registered with MERS® For Concurrent Transfers of Servicing, for each Mortgage that is not registered with MERS, the Transferor Servicer must: ■ Record Intervening Assignments to complete the chain of assignments to it from the original mortgagee, in accordance with Section 6301.2(d)(i) ■ Assign the Security Instrument to the Transferee Servicer and record the assignment ■ Follow the procedures set forth in Section 7101.4(c) and deliver the assignment to the Transferee Servicer’s Document Custodian to be verified in accordance with the requirements of Section 6304.2 Note: See Mortgages not registered with MERS in Section 6301.2(d)(i) for additional information. (ii) Concurrent or Subsequent Transfers of Servicing for Mortgages registered with MERS For Subsequent Transfers of Servicing, for each Mortgage that is registered with MERS: If the Transferee Servicer is a MERS Member, no further assignment is needed, and the Transferor Servicer must notify MERS of the Transfer of Servicing. If the Transferee Servicer is not a MERS Member, then the Transferor Servicer must prepare and record an assignment of the Security Instrument (on behalf of MERS) from MERS to the Transferee Servicer. The Transferor Servicer must follow the procedures set forth in Section 7101.4(c) and deliver the assignment to the Transferee Servicer’s Document Custodian to be verified and certified in accordance with the requirements of Section 6304.2. Note: See Mortgages registered with MERS in Section 6301.2(d)(ii) for additional information. (iii) Subsequent Transfers of Servicing for Mortgages not registered with MERS For Subsequent Transfers of Servicing of Mortgages that are not registered with MERS, the Transferor Servicer must: ■ Recover and destroy any original unrecorded assignments to Freddie Mac ■ Assign the Security Instrument to the Transferee Servicer and record the assignment ■ Follow the procedures set forth in Section 7101.4(c) and deliver assignment(s) to the Transferee Document Custodian to be verified in accordance with the delivery of notes and assignments to a Document Custodian in Section 6304.2 If the most recent assignment of the Security Instrument is to Freddie Mac and that assignment was recorded, the Transferor Servicer may not prepare an assignment to the Transferee Servicer.

(b) Concurrent or Subsequent Transfers of Servicing for a Mortgage secured by a Manufactured Home located in a certificate of title State The requirements in this subsection apply to preparing and completing assignments of the security interest in the Manufactured Home for Concurrent or Subsequent Transfers of Servicing when the Manufactured Home is located in a certificate of title State that does not provide for surrender and cancelation of the certificate of title (see Section 5703.4(f)(iii)). In a certificate of title State, a lien on the Manufactured Home is evidenced and perfected by notation on the certificate of title to the Manufactured Home. The lien on the land on which the Manufactured Home is permanently attached is perfected by recording the Security Instrument. Therefore, in addition to the procedures described in this Section for preparing and completing assignments of the Security Instrument, the following procedures must be followed with respect to the Manufactured Home: ■ If the Borrower holds the original certificate of title to the Manufactured Home and the original certificate of title must be produced to note the assignment, the Seller/Servicer must obtain the original certificate of title from the Borrower and follow the applicable procedure to note the assignment on the certificate of title ■ The Transferor Servicer must note any intervening assignments from the original mortgagee to the Transferor Servicer on the certificate of title and, if required, record the complete chain of assignments from the original mortgagee to the Transferor Servicer with the State motor vehicles administration or other authorized agency ■ The Transferor Servicer must note the assignment of its interest in the Manufactured Home to the Transferee Servicer on the certificate of title and, if required, record the assignment with the State motor vehicles administration or other authorized agency ■ If the Borrower holds the original certificate of title, the Transferor Servicer must make and retain a copy of the original certificate with the noted assignments before returning the original certificate of title with the noted assignments to the Borrower in accordance with applicable procedures ■ The Transferor Servicer must deliver the certificate of title (or if applicable a copy of the certificate of title) evidencing the complete chain of title to the Transferee Servicer, who must retain the certificate of title or a copy of the certificate of title, as applicable, in the Mortgage file

(c) Document custody requirements for Transfers of Servicing (i) Concurrent Transfers of Servicing For a Concurrent Transfer of Servicing (other than for Mortgages sold servicing released), a Seller must submit Form 960, Agreement for Concurrent Transfer of Servicing of Single-Family Mortgages, to Freddie Mac as described in Section 7101.1(b)(i). The Seller must deliver the Mortgage to the Servicer’s Document Custodian to perform the certifications required in Sections 6301.4(a)(ii) and 6304.3(b). On the Settlement Date and concurrent with Freddie Mac’s purchase of the Mortgage, the Servicing of and the Servicing Contract Rights related to the Mortgage will transfer to the Servicer as Transferee Servicer. The Seller must cooperate with the Servicer and its Document Custodian to effect a smooth and orderly Concurrent Transfer of Servicing. For all Mortgages sold through Cash-Released XChange®, there is a Concurrent Transfer of Servicing to a Servicer selected by Freddie Mac as described in: ■ Section 6101.5(b) ■ Section 7101.1(b)(i), and ■ Exhibit 28A, Loan Servicing Purchase and Sale Agreement for Cash-Released XChange® Prior to delivering Mortgages other than eMortgages for sale to Freddie Mac, Seller must: ■ Enter into a Tri-Party Agreement with an eligible Document Custodian (see Exhibit 43, Cash-Released XChange® Document Custodians) as described in Section 2202.2(c) ■ Use Freddie Mac as the eNote Custodian (see Directory 4 and Chapter 1402) for deliveries of eMortgages sold through Cash-Released XChange Note: For special document custody requirements for eMortgages, see Section 2202.2(d). For Concurrent Transfers of Servicing: ■ The Seller must: ❑ Verify that the Servicer’s Document Custodian has a contractual relationship with the Servicer on a Tri-Party Agreement ❑ Deliver the Notes with related documents, all assignments and Form 1034E, Custodian Certification Schedule, or the Note Delivery Cover Sheet to the Servicer’s Document Custodian, provided that delivery for Mortgages other than eMortgages sold through Cash-Released XChange must be made to one of the eligible Document Custodians identified in Exhibit 43 ❑ Verify that the Mortgages are registered and assigned to MERS and that Mortgages closed with MERS as the original mortgagee of record are identified as such. See Section 6301.2(d) for additional requirements for these Mortgages. ■ The Servicer’s Document Custodian must: ❑ Verify and certify the Notes and assignments as required by Section 6304.3(b) and, for Mortgages other than Mortgages sold servicing released, verify that a copy of Form 960, evidencing Freddie Mac’s approval of the Transfer of Servicing, accompanies the Note and assignments ❑ Update its document tracking system pursuant to the basic eligibility requirements in Section 2202.1(b)(ii) (ii) Responsibilities for Subsequent Transfers of Servicing The Transferor Servicer’s Document Custodian (Transferor Document Custodian) and the Transferee Servicer’s Document Custodian (Transferee Document Custodian) must cooperate to effect a smooth and orderly transfer. Refer to the Document Custody Procedures Handbook for additional information. For Subsequent Transfers of Servicing: ■ Within 30 days following the Effective Date of Transfer, the Transferor Servicer must: • Complete the Form 1034T, Document Custodial Certification Schedule for Transfer of Custody and Subsequent Transfers of Servicing, and forward it together with the STOS Agreement with the Final Mortgage List, as those terms are defined in Section 7101.1(b)(ii), to the Transferor Document Custodian so that the Transferor Document Custodian can deliver the Notes and assignments to the Transferee Document Custodian • Identify to Transferee Servicer all Mortgages represented by an LNA ■ Within 30 days after the Effective Date of Transfer, the Transferor Document Custodian must: ❑ Verify that a copy of the Transferee Servicer’s executed STOS Agreement with the Final Mortgage List accompanies the Transferor Servicer’s request to deliver the Notes and assignments to the Transferee Document Custodian ❑ Deliver to the Transferee Document Custodian the Notes with related documents, all assignments in its custody and Form 1034T, Document Custodial Certification Schedule for Transfer of Custody and Subsequent Transfers of Servicing ❑ Notes may be transported only by a nationally recognized commercial or bonded carrier or courier service. ❑ Verify that all Mortgages registered and assigned to MERS and all Mortgages closed with MERS as the original mortgagee of record are identified as such ❑ Work with the Transferor and Transferee Servicers, the Transferee Document Custodian and Freddie Mac to cure all document deficiencies prior to recertifying the Notes ■ The Transferee Servicer: ❑ Must notify the Transferee Document Custodian on or before the Effective Date of Transfer that a Transfer of Servicing (or transfer of custody) is in process ❑ Must provide the Transferee Document Custodian with documentation if it has elected to hold assignments for MERS-registered Mortgages in the Mortgage files. See Section 6304.1 for information on custody of Notes and assignments. ❑ Remains responsible for the Note and all related documents and for all representations and warranties with respect to the validity and enforceability of the Mortgage documents. See Section 8107.1(d)(iv) for special requirements relating to Mortgages with LNAs. ■ The Transferee Document Custodian must: ❑ Have a Tri-Party Agreement in effect with the Transferee Servicer in accordance with the Document Custodian requirements of Section 2202.2 before the effective Date of Transfer ❑ Verify that a copy of the STOS Agreement evidencing Freddie Mac’s approval of the Transfer of Servicing and Final Mortgage List accompanies the transfer of custody of Notes and all related documents ❑ Notify the Transferor Document Custodian within 35 days after the Effective Date of Transfer whether it has (or has not) received boxes or envelopes that contain the appropriate number of transferred Note files ❑ Perform the verifications specified in Section 6304.3(a) for each Note for which custody is being transferred by verifying that the following information on the Note matches the information about the related Mortgage contained on Form 1034T: ■ Freddie Mac loan number, if present on the Note; otherwise, the Document Custodian must validate the Freddie Mac loan number against data provided by the Transferee Servicer ■ Borrower’s name, and ■ Address of the Mortgaged Premises (excluding ZIP CodeTM) and that: ■ The Note is an original Note (unless there is an LNA and evidence that Freddie Mac has approved use of the LNA as described in Section 8107.1(d)(ii)) ■ The chain of endorsements is proper and complete from the original payee on the Note to the Transferor Servicer’s endorsement to blank ❑ Remove from the Note file and destroy any recordable but unrecorded assignment from the Transferor Servicer to Freddie Mac ❑ On behalf of itself and the Transferee Servicer, complete, execute and deliver Form 1034T to Freddie Mac (see Directory 9) within 180 days after the Effective Date of Transfer. By submitting Form 1034T to Freddie Mac, the Transferee Servicer and the Transferee Document Custodian make the certifications contained in Form 1034T and represent and warrant to Freddie Mac that each of them is bound by the information and certifications contained in Form 1034T ❑ Retain Form 1034T for at least three months after certification is completed. See form imaging and retention requirements in Section 8107.2(d). ❑ Update its document tracking system to reflect the transfer of custody (iii) Subsequent Transfers of Servicing without a transfer of custody The Transferor and the Transferee Servicers must cooperate to effect a smooth and orderly transfer. For Subsequent Transfers of Servicing without a transfer of custody: ■ The Transferor Servicer must: ❑ Prepare an assignment to the Transferee Servicer, which must be recorded and certified unless the Mortgage is registered to MERS and the Transferee Servicer is a MERS member ❑ Prepare and execute Form 1034T and deliver it and the assignment to the Document Custodian within 30 days after the Effective Date of Transfer ❑ Identify to Transferee Servicer all Mortgages represented by an LNA ■ The Transferee Servicer must: ❑ If it has elected to hold assignments for MERS-registered Mortgages in the Mortgage files, provide the Document Custodian with evidence of that election. See Section 6304.1 regarding custody of Notes and assignments. ❑ Assume responsibility for the completeness of the Note and all related documents and for all representations and warranties with respect to the validity and enforceability of the Mortgage. See Section 8107.1(d)(iv). ■ The Document Custodian must: ❑ Remove from the file and destroy any recordable but unrecorded assignment from the Transferor Servicer to Freddie Mac ❑ Execute Form 1034T on behalf of the Transferee Servicer and send a copy to Freddie Mac (see Directory 9) within 180 days after the Effective Date of Transfer ❑ Retain Form 1034T for at least three months after certification is completed. See Section 8107.2(d) regarding form imaging and retention requirements. (iv) Transfers of custody only The Document Custodians must cooperate to effect a smooth and orderly transfer. For transfers of custody: ■ The Servicer must: Prepare and execute Form 1034T (leaving blank the information required for the Transferee Servicer) with the Mortgage List and deliver it to the Transferor Document Custodian so that the Transferor Document Custodian can transfer custody of the Notes and assignments to the Transferee Document Custodian prior to the date on which custody of the Notes and related documents will occur, referred to in Form 1034T as the Effective Date of Transfer. The Servicer must identify to Transferee Document Custodian all Mortgages represented by an LNA. ■ The Transferor Document Custodian must: Within 30 days after the Effective Date of Transfer, deliver to the Transferee Document Custodian the Notes with related documents, all assignments in its custody and executed Form 1034T with the Mortgage List. Notes and related documents may be transported only by a nationally recognized commercial or bonded carrier or courier service. ■ The Transferee Document Custodian must: ❑ Notify the Transferor Document Custodian within 35 days after the Effective Date of Transfer whether it has (or has not) received boxes or envelopes that contain the appropriate number of transferred Note files ❑ Perform the verifications specified in Section 6304.3(a) for each Note for which custody is being transferred by verifying that the information on the Note set forth for Transferee Document Custodians to verify additional conditions for Transfers of Servicing in Section 7101.4(c)(i) matches the information about the related Mortgage from Form 1034T ❑ Update its document tracking system to reflect the transfer of custody Transferor Document Custodian and Transferee Document Custodian must cooperate to effect a smooth and orderly transfer. Refer to the Document Custody Procedures Handbook for additional information. 7101.5 Transfer of records (11/19/25) This section contains requirements related to: ■ Transfer of Mortgage and REO files ■ Transfer of portfolio records ■ Additional requirements for Subsequent Transfers of Servicing (a) Transfer of Mortgage and REO files No later than 30 days after the Effective Date of Transfer, the Transferor Servicer must deliver to the Transferee Servicer the following records for each Mortgage and REO for which Servicing is transferred: 1. Mortgage file: The Mortgage file that the Servicer is required to maintain in accordance with the retention requirements in Chapter 3302. If the Transferee Servicer does not have the same form of document and records maintenance (photographic, photostatic, microfilm, microfiche, electronic imaging, optical disk or laser disk storage) as the Transferor Servicer, then the Transferor Servicer must either convert the documents and records to the form of storage used by the Transferee Servicer or generate paper copies of all documents and records for the Transferee Servicer. Effective for Mortgages with Note Dates on or after July 1, 2013, Servicers may no longer make copies of original paper Mortgage file documents for any Mortgage file documents (excluding the paper original Mortgage file documents specified in Section 3302.1(b), which must always be maintained and stored as paper originals) using microfilm or microfiche. Servicers may copy original paper Mortgage file documents using scanning systems commonly used in the regular course of business at this time and maintain copies of such documents as: ■ Portable Document Format (PDF) ■ Tagged Image File (TIF) format ■ Joint Photographic Experts Group (JPEG) format or other electronic document formats commonly used in the regular course of business at this time 2. Payment history: The complete history of Mortgage payments and, if applicable, Escrow disbursements (including the most recent Escrow analysis), with supporting documentation, from the Origination Date of the Mortgage 3. Correspondence and reports: Copies of all correspondence with and from and reports to the Borrowers and, as applicable, the FHA, the VA, the RHS, the MI, Freddie Mac and any government authority 4. Notice of transfer: A copy of the notice to the Borrowers regarding the Transfer of Servicing 5. REO history: If REO is being serviced, the complete history of receipts, expenditures and management and marketing activities (including copies of any filed MI claims), with supporting documentation, from the date the REO was acquired (b) Transfer of portfolio records No later than the Effective Date of Transfer, the Transferor Servicer must deliver to the Transferee Servicer the following records for the Mortgages and REO related to the Transfer of Servicing: 1. Notices to third parties: The notices required in Section 7101.7(b), including documentation of MI approval and commitment to insure 2. Service contracts: Copies of tax and flood hazard determination service contracts, if applicable 3. Unpaid charges: A list of escrowed charges due and unpaid as of the Effective Date of Transfer 4. Trial balances: Trial balances, as of the close of the last Business Day immediately preceding the Effective Date of Transfer, showing: ■ Transfers of Ownership, payoffs and other Servicing exceptions in process ■ Escrows, Escrow advances and prepayments ■ Where applicable, buydown accounts and balances ■ Delinquencies, foreclosures, bankruptcies and REO 5. Automatic payments: A list of Mortgages subject to automatic drafting of monthly payments 6. Insurance policies: A list of Mortgages showing expiration dates of the insurance policies on the Mortgaged Premises, whether or not premiums for these policies were Escrowed by the Transferor Servicer 7. Fair lending data elements: Fair lending data elements for each Mortgage as described in Section 1301.2(f) 8. Other documents: Ledger records and definitions of codes used in ledger records, trial balances or any other documents required by Freddie Mac to be transferred to the Transferee Servicer (c) Additional requirements for Subsequent Transfers of Servicing For a Subsequent Transfer of Servicing, no later than 30 days after the Effective Date of Transfer, the Transferor Servicer must deliver to the Transferee Servicer the following documents in addition to those specified in Sections 7101.5(a) and (b): ■ Custodial Accounts: A copy of the depository’s reconciliation, as of the close of the bank’s last business day immediately preceding the Effective Date of Transfer, for each Custodial Account maintained in accordance with Chapter 8304 ■ Freddie Mac reports: Copies of all Servicing and accounting reports filed with Freddie Mac for the three months immediately preceding the Effective Date of Transfer