# EDGAR Filing Document

**Accession Number:** 0001026214
**File Stem:** 0001193125-26-033879
**Filing Date:** 2026-2
**Character Count:** 79723
**Document Hash:** a19abb88ae71e6a15031799a6bc3ffba
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-033879.hdr.sgml**: 20260202

**ACCESSION NUMBER**: 0001193125-26-033879

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20260202

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20260202

**DATE AS OF CHANGE**: 20260202

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Commercial mortgages

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FEDERAL HOME LOAN MORTGAGE CORP
- **CENTRAL INDEX KEY:** 0001026214
- **STANDARD INDUSTRIAL CLASSIFICATION:** FEDERAL & FEDERALLY-SPONSORED CREDIT AGENCIES [6111]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 520904874
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-00240
- **FILM NUMBER:** 26589005

**BUSINESS ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 7039032000

**MAIL ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FEDERAL HOME LOAN MORTGAGE CORP
- **CENTRAL INDEX KEY:** 0001026214
- **STANDARD INDUSTRIAL CLASSIFICATION:** FEDERAL & FEDERALLY-SPONSORED CREDIT AGENCIES [6111]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 520904874
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 7039032000

**MAIL ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FEDERAL HOME LOAN MORTGAGE CORP
- **CENTRAL INDEX KEY:** 0001026214
- **STANDARD INDUSTRIAL CLASSIFICATION:** FEDERAL & FEDERALLY-SPONSORED CREDIT AGENCIES [6111]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 520904874
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-00240

**BUSINESS ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102
- **BUSINESS PHONE:** 7039032000

**MAIL ADDRESS:**
- **STREET 1:** 8200 JONES BRANCH DR
- **CITY:** MCLEAN
- **STATE:** VA
- **ZIP:** 22102

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G**

**OF THE SECURITIES EXCHANGE ACT OF 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

[_] Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to __________.

Date of Report (Date of earliest event reported): ___________

Commission File Number of securitizer: ___________

Central Index Key Number of securitizer: ___________

  <br> (Name and telephone number, including area code, <br> of the person to contact in connection with this filing)

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1): [_]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i): [_]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii): [_]

[X] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2).

Central Index Key Number of depositor: 0001026214

---

| |
|:---|
| &nbsp;&nbsp;**Federal Home Loan Mortgage Corporation (as issuer of the Structured Pass-Through <br> Certificates, Series K-764) and FREMF 2026-K764 Mortgage Trust** |
| &nbsp;&nbsp;(Exact name of issuing entity as specified in its charter) |

---

Central Index Key Number of issuing entity (if applicable): 0001026214

Central Index Key Number of underwriter (if applicable): ___________

---

| |
|:---|
| &nbsp;&nbsp;**Jason Griest (703) 903-2000** |
| &nbsp;&nbsp;(Name and telephone number, including area code, <br> of the person to contact in connection with this filing) |

---

**INFORMATION TO BE INCLUDED IN THE REPORT**

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

N/A

**PART II: FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

See Report of Independent Accountants on Applying Agreed-Upon Procedures, dated February 2, 2026, of Ernst & Young LLP, attached as Exhibit 99.1 to this report.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | | |
|:---|:---|:---|:---|
| Date: February 2, 2026 | Federal Home Loan Mortgage Corporation,<br> as Depositor with respect to the Structured Pass-Through<br> Certificates, Series K-764, and as Securitizer with <br> respect to the FREMF 2026-K764 Mortgage Trust | Federal Home Loan Mortgage Corporation,<br> as Depositor with respect to the Structured Pass-Through<br> Certificates, Series K-764, and as Securitizer with <br> respect to the FREMF 2026-K764 Mortgage Trust | Federal Home Loan Mortgage Corporation,<br> as Depositor with respect to the Structured Pass-Through<br> Certificates, Series K-764, and as Securitizer with <br> respect to the FREMF 2026-K764 Mortgage Trust |
|  | By: | /s/ Jason Griest | /s/ Jason Griest |
|  |  | Name: | Jason Griest |
|  |  | Title: | Vice President–Multifamily Securitization |

---

**EXHIBIT INDEX**

Exhibit 99.1 Report of Independent Accountants on Applying Agreed-Upon Procedures, dated February 2, 2026, of Ernst & Young LLP.

## Exhibit 99.1

**Exhibit 99.1**

---

| | |
|:---|:---|
| **Ernst & Young LLP**<br>One Manhattan West<br>New York, NY 10001 | Tel: +1 212 773 3000<br>ey.com |

---

**Report of Independent Accountants on Applying Agreed-Upon Procedures**

Federal Home Loan Mortgage Corporation ("Freddie Mac")

Wells Fargo Securities, LLC<br> (collectively, the "Specified Parties")

---

| | |
|:---|:---|
| **Re:** | **Freddie Mac**<br> **Structured Pass-Through Certificates (SPCs) Series K-764 (the "SPCs")**<br>**FREMF 2026-K764 Mortgage Trust (the "Issuing Entity")**<br> **Multifamily Mortgage Pass-Through Certificates, Series 2026-K764 (together with the SPCs, the "Certificates")** |

---

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by the Specified Parties, for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information with respect to a portfolio of mortgage loans (the "Mortgage Loans") contained on the Data Files (as defined herein) (the "Subject Matter") relating to the Issuing Entity's Certificates securitization transaction (the "Transaction") as of 2 February 2026. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

The procedures performed and our associated findings are included in Attachment A.

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | Page 2 of 3 |

---

For the purpose of the procedures described in this report, Freddie Mac provided us with:

a. Certain electronic data files (the "Data Files") that are described in Attachment A,

b. Electronic copies of the loan files for the Mortgage Loans, which contain various source documents (the "Source Documents") relating to the Mortgage Loans and the mortgaged properties that secure the Mortgage Loans,

c. A list of characteristics on the Data Files (the "Compared Characteristics"), which are listed on Exhibit 1 to Attachment A, that Freddie Mac instructed us to compare to information contained in the Source
Documents,

d. A list of characteristics on the Data Files (the "Recalculated Characteristics"), which are described in Attachment A, that Freddie Mac instructed us to recalculate using information on the Data Files,

e. A list of characteristics on the Data Files (the "Provided Characteristics"), which are listed on Exhibit 2 to Attachment A, on which Freddie Mac instructed us to perform no procedures,

f. A draft of the preliminary information circular for the Transaction (the "Draft Preliminary Information Circular") and

g. Instructions, assumptions and methodologies, which are described in Attachment A.

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. Freddie Mac is responsible for the Subject Matter, Data Files, Source Documents, Compared Characteristics, Recalculated Characteristics, Provided Characteristics, Draft Preliminary Information Circular and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A with respect to the Data Files. We have not verified, and we make no representation as to, the appropriateness, accuracy, completeness or reasonableness of the Source Documents, Provided Characteristics, Draft Preliminary Information Circular or any other information provided to us by Freddie Mac upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to: (a) the existence of the Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by Freddie Mac that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the "AICPA"). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | Page 3 of 3 |

---

The agreed-upon procedures described in this report were not performed for the purpose of:

a. Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization (a "rating agency") or

b. Making any findings with respect to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or other requirements,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The value of the collateral securing the Mortgage Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Any other factor or characteristic of the Mortgage Loans that would be material to the likelihood that the issuer of the certificates that are secured by the Mortgage Loans will pay interest and principal in
accordance with applicable terms and conditions.

We are required to be independent of Freddie Mac and to meet our other ethical responsibilities, as applicable for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA. Independence requirements for agreed-upon procedures engagements are less restrictive than independence requirements for audit and other attestation services.

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties, but who may have access to this report as required by law or regulation.

/s/ Ernst & Young LLP

2 February 2026

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 1 of 9 |

---

**<u>Procedures performed and our associated findings</u>**

1. Freddie Mac provided us with:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. An electronic data file (the "Preliminary Data File") that Freddie Mac indicated contains information as of 1 February 2026 (the "Cut-Off Date") relating to the Mortgage Loans and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Record layout and decode information related to the information on the Data Files.

We performed certain procedures on earlier versions of the Data Files and communicated any differences prior to being provided the Data Files which were subjected to the procedures as described herein.

For each Mortgage Loan on the Preliminary Data File, we compared the Compared Characteristics listed on Exhibit 1 to Attachment A, as shown on the Preliminary Data File, to the corresponding information in copies of the Source Document(s) indicated on Exhibit 1 to Attachment A, subject only to the instructions, assumptions and methodologies described in the notes on Exhibit 1 to Attachment A and the succeeding paragraph(s) of this Item.

The Source Document(s) that we were instructed by Freddie Mac to use for each Compared Characteristic are indicated on Exhibit 1 to Attachment A. Where more than one Source Document is listed for a Compared Characteristic, Freddie Mac instructed us to note agreement if the value on the Preliminary Data File for the Compared Characteristic agreed with the corresponding information in at least one of the Source Documents listed for such Compared Characteristic on Exhibit 1 to Attachment A (except as described in the notes on Exhibit 1 to Attachment A). We performed no procedures to reconcile any differences that may exist between various Source Documents for any of the Compared Characteristics listed on Exhibit 1 to Attachment A.

Additionally, for any Mortgage Loan(s) listed in the table below, Freddie Mac provided us with the related draft Source Document(s) listed in the "Draft Source Document(s)" column of the table below.

---

| | |
|:---|:---|
| **<u>Mortgage Loan</u>** | **<u>Draft Source Document(s)</u>** |
| Hamilton Park  | Amendment to Multifamily Loan and Security Agreement |
| Society Hill Apartments | Amendment to Multifamily Loan and Security Agreement |
| Cedar Glen | Amendment to Multifamily Loan and Security Agreement |

---

For the purpose of the procedures described in this report, Freddie Mac instructed us to treat any "Draft Source Document(s)" listed in the table above as fully executed Source Document(s).

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 2 of 9 |

---

2. As instructed by Freddie Mac, we adjusted the information on the Preliminary Data File to correct any differences we noted in performing the procedures described in the Item above and provided a list of such differences to Freddie Mac. The
Preliminary Data File, as so adjusted, is hereinafter referred to as the "Updated Data File."

3. Subsequent to the procedures described in the Items above, Freddie Mac provided us with an electronic data file (the "Final Data File," which together with the Preliminary Data File comprise the Data Files) that Freddie Mac
indicated contains information as of the Cut-Off Date relating to the Mortgage Loans.

Using information on the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Updated Data File,

we compared each Compared Characteristic listed on Exhibit 1 to Attachment A, as shown on the Final Data File, to the corresponding information on the Updated Data File and found such information to be in agreement.

4. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. First Payment Date and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Maturity Date,

as shown on the Final Data File, we recalculated the "Loan Term (Original)" of each Mortgage Loan. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

5. Using:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "First Payment Date," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The first payment date that a payment of principal and interest is due, as shown in the applicable Source Document,

we recalculated the "IO Period" of each Mortgage Loan (except for any Interest Only Loan(s) or Amortizing Loan(s) (both as defined herein), which are described in the succeeding paragraph(s) of this Item). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

For any Interest Only Loan, Freddie Mac instructed us to use the "Loan Term (Original)" value on the Final Data File for the "IO Period" characteristic.

For any Amortizing Loan, Freddie Mac instructed us to use "0" for the "IO Period" characteristic.

6. Using the "First Payment Date," as shown on the Final Data File, we recalculated the "Seasoning" of each Mortgage Loan as of the Cut-Off Date. We compared this recalculated information to the corresponding
information on the Final Data File and found such information to be in agreement.

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| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 3 of 9 |

---

7. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Original Loan Amount,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Accrual Basis,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Gross Interest Rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Monthly Debt Service Amount (Amortizing),

as shown on the Final Data File, and assuming each Mortgage Loan has a fixed level monthly payment, we recalculated the "Amortization Term (Original)" of each Mortgage Loan (except for any Interest Only Loan(s), which are described in the succeeding paragraph(s) of this Item). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

For any Interest Only Loan, Freddie Mac instructed us to use "0" for the "Amortization Term (Original)" characteristic.

8. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Seasoning,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. IO Period and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Amortization Term (Original),

as shown on the Final Data File, we recalculated the "Amortization Term (Remaining)" of each Mortgage Loan (except for any Interest Only Loan(s), which are described in the succeeding paragraph(s) of this Item). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

For any Interest Only Loan, Freddie Mac instructed us to use "0" for the "Amortization Term (Remaining)" characteristic.

9. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Seasoning and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Loan Term (Original),

as shown on the Final Data File, we recalculated the "Loan Term (Remaining)" of each Mortgage Loan. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

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| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 4 of 9 |

---

10. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Original Loan Amount,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Accrual Basis,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Seasoning,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. IO Period,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. First Payment Date,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Maturity Date,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Gross Interest Rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Monthly Debt Service Amount (Amortizing),

as shown on the Final Data File, we recalculated the principal balance as of the Cut-Off Date (the "Cut-Off Date Loan Amount") and as of the "Maturity Date" (the "Maturity Balance") of each Mortgage Loan, assuming all scheduled payments of principal and/or interest on the Mortgage Loans are made and that there are no prepayments or other unscheduled collections. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

For the purpose of this procedure, Freddie Mac instructed us to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Ignore differences of +/- $1 or less and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Recalculate the "Maturity Balance" as the principal amount that is scheduled to be paid on the "Maturity Date" after the principal component (if any) that is included in the scheduled payment that is due on
the "Maturity Date" is applied to the principal balance of the corresponding Mortgage Loan.

11. Using the "Cut-Off Date Loan Amount," as shown on the Final Data File, we recalculated the "% of Cut-Off Date Pool Balance" of each Mortgage Loan. We compared this recalculated information to the corresponding
information on the Final Data File and found such information to be in agreement.

12. Using the "Cut-Off Date Loan Amount" and "Loan Group," as shown on the Final Data File, we recalculated the "% of Cut-Off Date Loan Group Balance" of each Mortgage Loan. We compared this recalculated
information to the corresponding information on the Final Data File and found such information to be in agreement.

13. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Primary Servicing Fee,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Master Servicing Fee,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Trustee Fee,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. CREFC Royalty Fee,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Master Servicing Surveillance Fee and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Special Servicing Surveillance Fee,

as shown on the Final Data File, we recalculated the "Administration Fee Rate" of each Mortgage Loan. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

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| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 5 of 9 |

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14. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Gross Interest Rate and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Administration Fee Rate,

as shown on the Final Data File, we recalculated the "Net Mortgage Interest Rate" of each Mortgage Loan. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

15. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Monthly Debt Service Amount (Amortizing),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 3rd Most Recent NCF,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 2nd Most Recent NCF and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Most Recent NCF,

as applicable, as shown on the Final Data File, the additional instruction(s) provided by Freddie Mac with respect to any Split Mortgage Loan (as defined herein) described in the succeeding paragraph(s) of this Item and the applicable calculation methodologies and assumptions that are described in the Draft Preliminary Information Circular, we recalculated the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3rd Most Recent DSCR (NCF),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 2nd Most Recent DSCR (NCF) and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Most Recent DSCR (NCF)

of each Mortgage Loan (except for any Mortgage Loan in a Crossed Loan Group (as defined herein), which are described in the succeeding paragraph(s) of this Item). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement. For the purpose of this procedure, we were instructed by Freddie Mac to round each characteristic listed in i. through iii. above to two decimal places.

For the purpose of this procedure, Freddie Mac instructed us to recalculate the characteristics listed in i. through iii. above for any group of Mortgage Loans with the same value (except for "N/A") for the "Crossed Loans" characteristic (each such group of Mortgage Loans is a "Crossed Loan Group"), as shown on the Final Data File, by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Recalculating each characteristic listed in i. through iii. above on an individual basis for each Mortgage Loan in the Crossed Loan Group,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Recalculating the weighted average of each characteristic listed in i. through iii. above for all of the Mortgage Loans in the Crossed Loan Group by weighting the result of a. above for each Mortgage Loan in the Crossed Loan Group by
the "Cut-Off Date Loan Amount" of such Mortgage Loan, as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rounding the result of b. above to two decimal places.

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| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 6 of 9 |

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15. (continued)

For the purpose of recalculating the characteristics listed in i. through iii. above for any Split Mortgage Loan, Freddie Mac instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "Monthly Debt Service Amount (Amortizing)," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The aggregate amortizing monthly debt service for the related Companion Loan(s) (as defined herein) as described in the applicable Data Source(s) (as defined herein),

in place of the "Monthly Debt Service Amount (Amortizing)" characteristic used in these recalculations.

16. Using:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Information on the Final Data File,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The additional instruction(s) provided by Freddie Mac with respect to any Split Mortgage Loan described in the succeeding paragraph(s) of this Item and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The applicable calculation methodologies and assumptions that are described in the Draft Preliminary Information Circular,

we recalculated the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. UW NCF DSCR,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. UW NCF DSCR (IO),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Cut-Off Date LTV,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Maturity LTV and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Cut-Off Date Balance/Unit

of each Mortgage Loan (except for any Mortgage Loan in a Crossed Loan Group, which are described in the succeeding paragraph(s) of this Item). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement. For the purpose of this procedure, we were instructed by Freddie Mac to round the characteristics listed in i. through ii. above to two decimal places and the characteristics listed in iii. through iv. above to the nearest 1/10<sup>th</sup> of one percent.

For the purpose of this procedure, Freddie Mac instructed us to recalculate the characteristics listed in i. through iv. above for any Crossed Loan Group by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Recalculating each characteristic listed in i. through iv. above on an individual basis for each Mortgage Loan in the Crossed Loan Group,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Recalculating the weighted average of each characteristic listed in i. through iv. above for all of the Mortgage Loans in the Crossed Loan Group by weighting the result of a. above for each Mortgage Loan in the Crossed Loan Group by
the "Cut-Off Date Loan Amount" of such Mortgage Loan, as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rounding the result of b. above to two decimal places for the characteristics listed in i. through ii. above and rounding the result of b. above to the nearest 1/10<sup>th</sup> of one percent for the characteristics listed in iii. through iv.
above.

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 7 of 9 |

---

16. (continued)

For the purpose of this procedure, Freddie Mac instructed us to recalculate the characteristic listed in v. above for any Crossed Loan Group by dividing the aggregate "Cut-Off Date Loan Amount" of the Mortgage Loans in the Crossed Loan Group by the aggregate "Total Units" of the Mortgage Loans in the Crossed Loan Group.

For the purpose of recalculating the characteristic listed in i. above for any Split Mortgage Loan, Freddie Mac instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "Monthly Debt Service Amount (Amortizing)," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The aggregate amortizing monthly debt service for the related Companion Loan(s), as described in the applicable Data Source(s),

for the applicable debt service used in this recalculation.

For the purpose of recalculating the characteristic listed in ii. above for any Split Mortgage Loan, Freddie Mac instructed us to use the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "Monthly Debt Service Amount (IO)," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The aggregate interest only monthly debt service for the related Companion Loan(s), as described in the applicable Data Source(s),

for the applicable debt service used in this recalculation.

For the purpose of recalculating the characteristics listed in iii. and v. above for any Split Mortgage Loan, Freddie Mac instructed us to use the sum of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Cut-Off Date Loan Amount and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Additional Financing Amount (Existing),

as shown on the Final Data File, for the applicable principal balances used in these recalculations.

For the purpose of recalculating the characteristic listed in iv. above for any Split Mortgage Loan, Freddie Mac instructed us to use the sum of the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "Maturity Balance," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The aggregate principal balance of the Companion Loan(s) as of the maturity date of the Companion Loan(s), assuming all scheduled payments of principal and/or interest are made on the Companion Loan(s) and there are no repayments or other
unscheduled collections, as described in the applicable Data Source(s),

for the applicable principal balances used in this recalculation.

For any Amortizing Loan, Freddie Mac instructed us to use "N/A" for the "UW NCF DSCR (IO)" characteristic.

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 8 of 9 |

---

17. Using the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Cut-Off Date Loan Amount,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Monthly Debt Service Amount (Amortizing),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Additional Financing Amount (Existing),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. UW NCF and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Appraised Value,

as applicable, as shown on the Final Data File, the applicable subordinate or supplemental financing information as shown in the applicable Source Document(s) and the applicable calculation methodologies and assumptions provided by Freddie Mac described in the succeeding paragraph(s) of this Item, we recalculated the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. CDCR (Combined DCR) and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CLTV (Combined LTV)

of any Mortgage Loan with "Yes" for the "Additional Financing In Place (existing) (Y/N)" characteristic on the Final Data File and the applicable Source Document(s) require hard payments of debt service (each, a "Mortgage Loan with Additional Hard Pay Financing"). We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement. For the purpose of this procedure, we were instructed by Freddie Mac to round the characteristic listed in i. above to two decimal places and the characteristic listed in ii. above to the nearest 1/10<sup>th</sup> of one percent.

For any Mortgage Loan with Additional Hard Pay Financing, Freddie Mac instructed us to recalculate the "CDCR (Combined DCR)" by dividing the "UW NCF" by the sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Twelve (12) times the "Monthly Debt Service Amount (Amortizing)," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The aggregate applicable debt service of any subordinate or supplemental financing, recalculated each individually, as applicable, if the applicable Source Document(s) indicate the subordinate loan amortization type is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Amortizing (each, a "Additional Hard Pay Financing Amortizing Loan"), as twelve (12) times the amortizing monthly debt service amount or the annualized amortizing debt service amount, both as shown in the applicable Source
Document(s), and/or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Interest only (each, a "Additional Hard Pay Financing Interest Only Loan"), as twelve (12) times the product, rounded to two decimal places, of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The original principal balance of each Additional Hard Pay Financing Interest Only Loan and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) The product of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. 1/12<sup>th</sup> of the gross interest rate, as shown in the applicable Source Document(s), and 365/360, if the applicable Source Document(s) indicate the accrual basis is "Actual/360," or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The gross interest rate, as shown in the applicable Source Document(s), and 30/360, if the applicable Source Document(s) indicate the accrual basis is "30/360."

---

| | |
|:---|:---|
| ![](g65674eylogo2.jpg) | **Attachment A**<br> Page 9 of 9 |

---

17. (continued)

For any Mortgage Loan with Additional Hard Pay Financing, Freddie Mac instructed us to recalculate the "CLTV (Combined LTV)" by dividing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The applicable sum of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The "Cut-Off Date Loan Amount," as shown on the Final Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The aggregate principal balance of any subordinate or supplemental financing as of the Cut–Off Date, which we were instructed to recalculate by using the applicable subordinate or supplemental financing information as shown in the
applicable Source Document(s) and assuming all scheduled payments of principal and/or interest are made and that there are no other prepayments or other unscheduled collections, by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The "Appraised Value," as shown on the Final Data File.

For any Mortgage Loan that is not a Mortgage Loan with Additional Hard Pay Financing, Freddie Mac instructed us to use "N/A" for the characteristics listed in i. and ii. in the first paragraph of this Item.

We performed no procedures to determine the appropriateness, accuracy, completeness or reasonableness of the instructions provided by Freddie Mac that are described above.

18. Using the "Bad Boy Indemnitor / Guarantor" and "Borrower Principal," as shown on the Final Data File, we identified those Mortgage Loans that had at least one common "Bad Boy Indemnitor / Guarantor" or
"Borrower Principal" (the "Related Borrower Loans"). We compared the Related Borrower Loan information to the corresponding information on the Final Data File and found such information to be in agreement.

**Exhibit 1 to Attachment A**<br> Page 1 of 17<br>

**<u>Compared Characteristics and Source Documents</u>**

**<u>Property Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Street Address | Appraisal Report, Engineering Report, USPS Website, Property Inspection and Lease Audit |
| Property City | Appraisal Report, Engineering Report, USPS Website |
| County | Appraisal Report, Engineering Report, USPS Website |
| Property State | Appraisal Report, Engineering Report, USPS Website |
| Metropolitan Statistical Area | MSA Support File |
| Zip Code | Appraisal Report, Engineering Report, USPS Website |
| Property Type | Appraisal Report |
| Property Subtype | Appraisal Report, Investment Brief, Property Inspection and Lease Audit |
| Year Built | Engineering Report, Appraisal Report |
| Year Renovated | Engineering Report, Appraisal Report |
| Elevator (Y/N) | Engineering Report, Appraisal Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Zoning Status | Zoning Summary, Appraisal Report |
| Management Company | Management Agreement, Multifamily Loan and Security Agreement |

---

**<u>Third Party Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Appraisal Firm | Appraisal Report |
| Appraised Value | Appraisal Report |
| Appraised Value Type | Appraisal Report |
| Appraisal Valuation Date | Appraisal Report |
| FIRREA Eligible (Y/N) | Appraisal Report |
| Engineering Firm | Engineering Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Engineering Report Date | Engineering Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Immediate Repairs Cost Estimate | Engineering Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Replacement Reserves Cost Estimate per Year | Engineering Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Environmental Firm | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Phase I Environmental Report Date | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Phase II Recommended (Y/N) | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report |

---

**Exhibit 1 to Attachment A**<br> Page 2 of 17<br>

**<u>Third Party Information</u>:** (continued)

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Phase II Performed (Y/N) | Phase II Environmental Report |
| Phase II Environmental Report Date | Phase II Environmental Report |
| Environmental Cost to Cure (Phase I plus Phase II) | Phase I Environmental Report, Phase II Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Elevated Seismic Hazard Region or PGA ≥ 0.15g (Y/N) | Seismic Report, Engineering Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |
| PML Report Required (Y/N) | Seismic Report, Engineering Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Seismic Firm | Seismic Report, Engineering Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |
| Seismic Report Date | Seismic Report, Engineering Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |
| PML (%) | Seismic Report, Engineering Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |

---

**<u>Multifamily Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Total Units | Appraisal Report, Rent Roll |
| Unit of Measure | Rent Roll, Appraisal Report |
| Monthly Rent Per Unit | Rent Roll |
| Occupancy As of Date | Rent Roll |
| Occupancy % | Rent Roll, Appraisal Report |
| Tenant Concentration Type | Property Inspection and Lease Audit, Investment Brief, Appraisal Report |
| % of Tenant Concentration | Property Inspection and Lease Audit, Investment Brief, Appraisal Report |
| Green Advantage | Multifamily Loan and Security Agreement, Green Assessment Report |
| Condo Ownership (% or N/A) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Investment Brief |
| Affordable LI Units (<=80% AMI) | CRA Report |
| Affordable LI Units (<=60% AMI) | CRA Report |
| Affordable VLI Units (<=50% AMI) | CRA Report |

---

**Exhibit 1 to Attachment A**<br> Page 3 of 17<br>

**<u>Regulatory Agreement Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Type of Regulatory Agreement(s) | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| Regulatory Agency/Housing Authority/Regulatory Agreement Counterparty | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| Description of Regulatory Agreement(s) | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| % Units with Income Restrictions | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| % Units with Rent Restrictions | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| HAP Maturity Date | Regulatory Agreement Diligence Spreadsheet, Multifamily Loan and Security Agreement, Land Use Restriction Agreement |
| Regulatory Agreement (Yes/No) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Regulatory Agreement Diligence Spreadsheet, Land Use Restriction Agreement |

---

**<u>Commercial Tenant Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| # Units – Commercial | Rent Roll, Appraisal Report, Commercial Lease, Investment Brief |
| Amount Sq. Ft – Commercial | Rent Roll, Appraisal Report, Commercial Lease, Investment Brief |
| % of GPR from Commercial Rental Income | Underwriter's Summary Report, Investment Brief |

---

**Exhibit 1 to Attachment A**<br> Page 4 of 17<br>

**<u>Insurance Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Property Insurance Coverage (Y/N) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Terrorism Insurance (Y/N) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Liability Insurance Coverage (Y/N) | Liability Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Windstorm Insurance (Y/N) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Flood Insurance (Y/N) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report, Flood Insurance Policy |
| Seismic Insurance if PML >= 20% (Yes/No) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Environmental Insurance (Y/N) | Environmental Insurance Certificate, Multifamily Loan and Security Agreement |

---

**<u>Underwriting Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| 3rd Most Recent Financial End Date | Underwriter's Summary Report, Investment Brief |
| 3rd Most Recent EGI | Underwriter's Summary Report, Investment Brief |
| 3rd Most Recent Expenses | Underwriter's Summary Report, Investment Brief |
| 3rd Most Recent NOI | Underwriter's Summary Report, Investment Brief |
| 3rd Most Recent NCF | Underwriter's Summary Report, Investment Brief |
| 2nd Most Recent Financial End Date | Underwriter's Summary Report, Investment Brief |
| 2nd Most Recent EGI | Underwriter's Summary Report, Investment Brief |
| 2nd Most Recent Expenses | Underwriter's Summary Report, Investment Brief |
| 2nd Most Recent NOI | Underwriter's Summary Report, Investment Brief |
| 2nd Most Recent NCF | Underwriter's Summary Report, Investment Brief |
| Most Recent Financial End Date | Underwriter's Summary Report, Investment Brief |
| Most Recent EGI | Underwriter's Summary Report, Investment Brief |
| Most Recent Expenses | Underwriter's Summary Report, Investment Brief |
| Most Recent NOI | Underwriter's Summary Report, Investment Brief |
| Most Recent NCF | Underwriter's Summary Report, Investment Brief |
| UW EGI | Underwriter's Summary Report, Investment Brief |
| UW Expenses | Underwriter's Summary Report, Investment Brief |
| UW NOI | Underwriter's Summary Report, Investment Brief |
| Underwritten Annual Reserves | Underwriter's Summary Report, Investment Brief |
| UW NCF | Underwriter's Summary Report, Investment Brief |

---

**Exhibit 1 to Attachment A**<br> Page 5 of 17<br>

**<u>Borrower/Principal Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Borrowing Entity | Promissory Note, Multifamily Loan and Security Agreement, Mortgage/Deed of Trust |
| Entity Type | Promissory Note, Multifamily Loan and Security Agreement, Mortgage/Deed of Trust |
| State of Organization | Promissory Note, Multifamily Loan and Security Agreement, Mortgage/Deed of Trust |
| Delaware Statutory Trust (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Mortgage/Deed of Trust |
| Borrower Or Principal Prior Bankruptcy (Y/N) | FRE Form 1115, Organization Chart |
| Single Purpose Borrowing Entity / Single Asset Borrowing Entity | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Amendment to Multifamily Loan and Security Agreement |
| Tenants In Common (Y/N) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Bad Boy Indemnitor / Guarantor | Guaranty Agreement, Multifamily Loan and Security Agreement |
| Recourse (Y/N) | Promissory Note, Guaranty Agreement, Multifamily Loan and Security Agreement |
| Recourse Description | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |
| Environmental Carveout (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |
| Environmental Indemnitor (Name or N/A) | Guaranty Agreement, Multifamily Loan and Security Agreement |
| Fraud Carveout (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |
| Misapplication of Rent and Insurance Proceeds Carveout (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |
| Voluntary Bankruptcy Carveout (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |
| Waste Carveout (Y/N) | Promissory Note, Multifamily Loan and Security Agreement, Guaranty Agreement |

---

**Exhibit 1 to Attachment A**<br> Page 6 of 17<br>

**<u>Mortgage Loan Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Loan Purpose (Acquisition, Refinance) | Multifamily Loan and Security Agreement, Settlement Statement |
| Freddie Mac Loan Number | Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Optigo Lender | Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Note Date | Promissory Note |
| Original Loan Amount | Promissory Note, Amended Promissory Note, Participation Agreement |
| Gross Interest Rate | Promissory Note |
| Loan Amortization Type | Promissory Note |
| Monthly Debt Service Amount (IO) | Promissory Note |
| Monthly Debt Service Amount (Amortizing) | Promissory Note |
| First Payment Date | Promissory Note |
| Payment Date | Promissory Note |
| Maturity Date | Promissory Note |
| Rate Type | Promissory Note |
| Accrual Basis | Promissory Note |
| Late Charge Grace Period | Promissory Note |
| Prepayment Provision | Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Partial Defeasance Permitted (Y/N) | Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Defeasance To Maturity (Yes/No) | Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Non-Compliance Provisions (Yes/No) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Title Vesting (Fee/Leasehold/Both) | Title Policy, Security Instrument |
| Lien Position | Title Policy |
| Ground Lease Rent | Ground Lease, Ground Lease Estoppel |
| Ground Lease Maturity Date | Ground Lease, Ground Lease Estoppel |
| Ground Lease Expiration Date w/ Extensions | Ground Lease, Ground Lease Estoppel |
| Cash Management (Description or N/A) | Cash Management Agreement, Lockbox Agreement |
| Lockbox (Y/N) | Cash Management Agreement, Lockbox Agreement |
| Additional Financing In Place (Existing) (Yes/No) | Promissory Note, Amended Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Participation Agreement |

---

**Exhibit 1 to Attachment A**<br> Page 7 of 17<br>

**<u>Mortgage Loan Information</u>:** (continued)

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Assumption Fee | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Additional Financing Amount (Existing) | Promissory Note, Amended Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Participation Agreement |
| Additional Financing Description <br> (Existing) | Promissory Note, Amended Promissory Note, Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Participation Agreement |
| Future Mezzanine Debt (Y/N) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Future Supplemental Financing <br> (Yes/No) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Future Supplemental Financing Description | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Substitution Permitted (Y/N) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Substitution Agreement |
| Number of Properties | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Appraisal Report |
| Collateral Release Price ($ or N/A) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Cross Collateralization Agreement |
| Crossed Loans | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Cross Collateralization Agreement |
| Release (Y or N or N/A) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Cross Collateralization Agreement |
| Release Provisions (Description or N/A) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement, Cross Collateralization Agreement |
| Independent Director (Y/N) | Mortgage/Deed of Trust, Multifamily Loan and Security Agreement |
| Non-Consolidation Opinion (Y/N) | Non-Consolidation Opinion from Counsel, Seller's Counsel's Certification |
| Primary Servicing Fee | Exhibit A to Commitment Letter, Early Rate Lock Application |
| Trustee Fee | Trustee Fee Bid Package |

---

**Exhibit 1 to Attachment A**<br> Page 8 of 17<br>

**<u>Reserve/Escrow Information</u>:**

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Tax Reserve (Initial) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Tax Reserve (Monthly) | List of All Escrow Accounts Held, Servicing Tape |
| Insurance Reserve (Initial) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Insurance Reserve (Monthly) | List of All Escrow Accounts Held, Servicing Tape |
| Engineering Reserve/Deferred <br> Maintenance | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Engineering Reserve – Contractual Payment ($ or N/A) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Replacement Reserve (Initial) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Replacement Reserve (Monthly) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Replacement Reserve – Contractual – Cap ($ or N/A) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Other Reserve (Initial) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Other Reserve Description | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Servicing Tape |
| Other Reserve (Monthly) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Other Reserve – Contractual – Cap ($ or N/A) | Multifamily Loan and Security Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |

---

**Exhibit 1 to Attachment A**<br> Page 9 of 17<br>

**<u>Reserve/Escrow Information</u>:** (continued)

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Springing Reserve Type | Multifamily Loan and Security Agreement, Escrow Agreement, Servicing Tape |
| Springing Reserve Amount | Multifamily Loan and Security Agreement, Escrow Agreement, Servicing Tape |
| Springing Reserve Description | Multifamily Loan and Security Agreement, Escrow Agreement, Servicing Tape |
| Are Escrows/Reserves LOC or can be converted to LOC (Y/N) | Multifamily Loan and Security Agreement, Escrow Agreement |
| Specify Accounts for Escrows/Reserves LOC | Multifamily Loan and Security Agreement, Escrow Agreement |
| Letter of Credit Amount | Letter of Credit, Multifamily Loan and Security Agreement |
| Letter of Credit Description | Letter of Credit, Multifamily Loan and Security Agreement |

---

**Exhibit 1 to Attachment A**<br> Page 10 of 17<br>

**<u>Notes</u>:**

1. For the purpose of comparing certain Compared Characteristics, Freddie Mac instructed us to use certain Microsoft Excel file(s) in the table below as the Source Document(s), which were provided by Freddie Mac on the date listed in the table
below.

---

| | | |
|:---|:---|:---|
| **Source Document** | **Microsoft Excel File Name** | **Date File Received** |
| MSA Support File | MSA File_2026-01-22.xlsx | 1/22/2026 |
| CRA Report | cra2 12.12.xlsx | 1/20/2026 |
| Regulatory Agreement Diligence Spreadsheet | K-764 Regulatory Agreement Diligence Spreadsheet(98072.2).xlsx | 1/20/2026 |
| Servicing Tape | Servicer Escrow Template_2026-01-20.xlsx | 1/26/2026 |

---

2. For the purpose of comparing the "Zoning Status" characteristic, Freddie Mac instructed us to use the appraisal report Source Document if the zoning summary Source Document was not available and to include "(Appraisal)"
in the value for the "Zoning Status" characteristic if the appraisal report was used as the Source Document.

3. For the purpose of comparing the "Appraised Value," "Appraisal Valuation Date" and "Appraised Value Type" characteristics for any Mortgage Loan listed in the table below, Freddie Mac instructed us
to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Use the appraised value and appraisal value date, both as shown in the applicable Source Document(s), that are associated with the appraisal valuation type that is identified in the "Valuation Type from Appraisal Report" column
of the table below for the "Appraised Value" and "Appraisal Valuation Date" characteristics, respectively, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Use the appraisal valuation type listed in the "Appraised Value Type" column of the table below for the "Appraised Value Type" characteristic.

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| | | |
|:---|:---|:---|
| **Mortgage Loan** | **Valuation Type from Appraisal Report** | **Appraised Value Type** |
| N/A | N/A | N/A |

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4. For the purpose of comparing the "Immediate Repairs Cost Estimate" and "Replacement Reserves Cost Estimate per Year" characteristics, Freddie Mac instructed us to use "$0" for the "Immediate Repairs Cost
Estimate" and "Replacement Reserves Cost Estimate per Year" characteristics if the physical risk report or preliminary environmental screening site report Source Document did not contain the corresponding information and an
engineering report Source Document was not available.

**Exhibit 1 to Attachment A**<br> Page 11 of 17<br>

5. For the purpose of comparing the "Environmental Firm" and "Phase I Environmental Report Date" characteristics, Freddie Mac instructed us to use "N/A (Physical Risk Report)" for the "Environmental
Firm" and "Phase I Environmental Report Date" characteristics if a physical risk report or preliminary environmental screening site report Source Document was provided in the related loan file and a phase I environmental report
Source Document was not available.

6. Freddie Mac instructed us to perform procedures on the "Phase II Performed (Y/N)"

and "Phase II Environmental Report Date" characteristics only for those Mortgage Loans, if any, that contained a phase II environmental report Source Document in the related loan file.

7. For the purpose of comparing the "Environmental Cost to Cure (Phase I plus Phase II)" characteristic, Freddie Mac instructed us to use "N/A" for the "Environmental Cost to Cure (Phase I plus Phase II)"
characteristic if the physical risk report or preliminary environmental screening site report Source Document did not contain the corresponding information and a phase I environmental report or phase II environmental report Source Document was not
available.

For the purpose of comparing the "Environmental Cost to Cure (Phase I plus Phase II)" characteristic, Freddie Mac instructed us to use "$0" for the "Environmental Cost to Cure (Phase I plus Phase II)" characteristic if a phase I environmental report, phase II environmental report, physical risk report and/or preliminary environmental screening site report Source Document was available and the sum of the value(s) shown in the phase I environmental report, phase II environmental report, physical risk report and/or preliminary environmental screening site report Source Document(s) was less than $5,000.

8. Freddie Mac instructed us to perform procedures on the "PML Report Required (Y/N)," "Seismic Firm," "Seismic Report Date" and "PML (%)" characteristics only for Mortgage Loans with
"Yes" for the "Elevated Seismic Hazard Region or PGA ≥ 0.15g (Y/N)" characteristic on the Preliminary Data File. If the "Elevated Seismic Hazard Region or PGA ≥ 0.15g (Y/N)"
characteristic on the Preliminary Data File is "Yes," Freddie Mac instructed us to use "Yes" for the "PML Report Required (Y/N)" characteristic and the applicable information in the seismic report Source
Document for the purpose of comparing the "Seismic Firm," "Seismic Report Date" and "PML (%)" characteristics unless the applicable Source Document(s) state that a seismic assessment has been waived.
If the "Elevated Seismic Hazard Region or PGA ≥ 0.15g (Y/N)" characteristic on the Preliminary Data File is "Yes" and the applicable Source Document(s) indicate that a seismic assessment has been waived or the
related loan file does not contain a seismic report Source Document, Freddie Mac instructed us to use "No" for the "PML Report Required (Y/N)" characteristic and "N/A" for the "Seismic
Firm," "Seismic Report Date" and "PML (%)" characteristics. If the "Elevated Seismic Hazard Region or PGA ≥ 0.15g (Y/N)" characteristic on the Preliminary Data File is
"No," Freddie Mac instructed us to use "No" for the "PML Report Required (Y/N)" characteristic and "N/A" for the "Seismic Firm," "Seismic Report Date"
and "PML (%)" characteristics.

9. For the purpose of comparing the "Total Units" characteristic, Freddie Mac instructed us to only include the residential units at the mortgaged property associated with each Mortgage Loan, as shown in the appraisal report or rent
roll Source Document.

**Exhibit 1 to Attachment A**<br> Page 12 of 17<br>

10. For the purpose of comparing the "Monthly Rent Per Unit" characteristic, Freddie Mac instructed us to use:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Market rents for vacant, model, leasing office or "down" units,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In-place rents plus employee concessions for manager/employee units and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. In-place rents plus subsidies for occupied units,

all as shown in the rent roll Source Document, and to ignore differences of +/- $5 or less.

If the market rent or in-place rent, as applicable, for any unit was not shown in the rent roll Source Document, Freddie Mac instructed us to exclude the corresponding unit(s) for the purpose of comparing the "Monthly Rent Per Unit" characteristic.

11. For the purpose of comparing the "Occupancy As of Date" characteristic, Freddie Mac instructed us to use the last day of the applicable month if the applicable Source Document(s) only indicated the month and year.

For the purpose of comparing the "Occupancy %" characteristic, Freddie Mac instructed us to include occupied, model, leasing office and manager/employee units as occupied and to include vacant and "down" units as vacant, as shown in the rent roll Source Document.

If the number of units shown in the rent roll Source Document is less than the number of units shown in the appraisal report Source Document, Freddie Mac instructed us to treat the difference between the number of units shown in the appraisal report Source Document and the number of units shown in the rent roll Source Document as vacant units for the purpose of comparing the "Occupancy %" characteristic.

12. For the purpose of comparing the "Tenant Concentration Type" and "% of Tenant Concentration" characteristics, Freddie Mac instructed us to treat "Alzheimer's care" and "memory care"
tenant types as "Assisted Living," as shown in the applicable Source Document(s).

13. For the purpose of comparing the "Insurance Information" characteristics, Freddie Mac instructed us to use the property insurance certificate, environmental insurance certificate, liability insurance certificate or flood
insurance policy Source Document, as applicable, even if the certificate expired prior to the Cut-Off Date.

**Exhibit 1 to Attachment A**<br> Page 13 of 17<br>

14. Freddie Mac instructed us to use "Yes" for the "Flood Insurance (Y/N)" characteristic if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. There is flood insurance in place, as shown in the property insurance certificate or flood insurance policy Source Document and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Flood insurance is required, as shown in the form 1133 or multifamily insurance compliance report Source Document.

If flood insurance is not required, as shown in the form 1133 or multifamily insurance compliance report Source Document, Freddie Mac instructed us to use "No" for the "Flood Insurance (Y/N)" characteristic, even if the property insurance certificate or flood insurance policy Source Document indicates that flood insurance is in place.

15. Freddie Mac instructed us to use "Yes" for the "Seismic Insurance if PML >=20% (Yes/No)" characteristic if:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "PML (%)," as shown on the Preliminary Data File, is greater than or equal to 20%,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earthquake insurance is required, as shown in the form 1133 or multifamily insurance compliance report Source Document, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Earthquake insurance is in place, as shown in the property insurance certificate Source Document.

If the "PML (%)," as shown on the Preliminary Data File, is less than 20% or is "N/A," Freddie Mac instructed us to use "No" for the "Seismic Insurance if PML >=20% (Yes/No)" characteristic even if the property insurance certificate Source Document indicates that earthquake insurance is in place.

16. For the purpose of comparing the "Underwriting Information" and "Reserve/Escrow Information" characteristics that are expressed as dollar values, Freddie Mac instructed us to ignore differences:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Of +/- $1 or less for all "Underwriting Information" characteristics and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Of +/- $5 or less for all "Reserve/Escrow Information" characteristics.

17. For the purpose of comparing the "Borrower Or Principal Prior Bankruptcy (Y/N)" characteristic, Freddie Mac indicated that the applicable Source Document(s) are not provided for public entities and endowments and to ignore such
entities when determining the "Borrower Or Principal Prior Bankruptcy (Y/N)" characteristic.

18. For the purpose of comparing the "Optigo Lender" characteristic, Freddie Mac instructed us to use the "Lender" of the Mortgage Loan, as shown in the applicable Source Document(s).

**Exhibit 1 to Attachment A**<br> Page 14 of 17<br>

19. For the purpose of comparing the "Monthly Debt Service Amount (IO)" characteristic for any:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Mortgage Loan for which the "Loan Amortization Type" characteristic, as shown on the Preliminary Data File, is "Interest Only" (each, an "Interest Only Loan") or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Mortgage Loan for which the "Loan Amortization Type" characteristic, as shown on the Preliminary Data File, is "Partial IO" (each, a "Partial IO Loan"),

and which also has an "Accrual Basis" of "Actual/360," as shown on the Preliminary Data File, Freddie Mac instructed us to recalculate the "Monthly Debt Service Amount (IO)" characteristic as 1/12<sup>th</sup> of the product, rounded to two decimal places, of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The "Original Loan Amount," as shown on the Preliminary Data File,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The "Gross Interest Rate," as shown on the Preliminary Data File, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 365/360.

For the purpose of comparing the "Monthly Debt Service Amount (IO)" characteristic for any Interest Only Loan or Partial IO Loan which also has an "Accrual Basis" of "30/360," as shown on the Preliminary Data File, Freddie Mac instructed us to recalculate the "Monthly Debt Service Amount (IO)" characteristic as 1/12<sup>th</sup> of the product, rounded to two decimal places, of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The "Original Loan Amount," as shown on the Preliminary Data File and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. The "Gross Interest Rate," as shown on the Preliminary Data File.

For any Interest Only Loan, Freddie Mac instructed us to use the "Monthly Debt Service Amount (IO)," as shown on the Preliminary Data File, for the "Monthly Debt Service Amount (Amortizing)" characteristic.

For any Mortgage Loan with "Balloon" or "Fully Amortizing" for the "Loan Amortization Type" characteristic on the Preliminary Data File (each, an "Amortizing Loan"), Freddie Mac instructed us to use "N/A" for the "Monthly Debt Service Amount (IO)" characteristic.

20. For certain Mortgage Loans, the applicable Source Document(s) may contain the following language:

*"If Lender has not received the full amount of any monthly payment by the 10<sup>th</sup> day of any month or any amount due under any Loan Document by the 9<sup>th</sup> day after its due date (unless applicable law requires a longer period of time before a late charge may be imposed), then Borrower must pay a late charge to Lender."*

For the purpose of comparing the "Late Charge Grace Period" characteristic for any Mortgage Loan which contains the language described above in the applicable Source Document(s), Freddie Mac instructed us to use "10" for the "Late Charge Grace Period" characteristic, which is inclusive of the related "Payment Date."

**Exhibit 1 to Attachment A**<br> Page 15 of 17<br>

21. For the purpose of comparing the "Prepayment Provision" characteristic for Mortgage Loans which permit defeasance, as shown in the applicable Source Documents, Freddie Mac instructed us to include all "Payment Dates"
on or prior to the Cut-Off Date in the lockout period regardless of whether the Mortgage Loan was actually in a lockout period on those "Payment Dates."

For the purpose of comparing the "Prepayment Provision" characteristic, Freddie Mac instructed us to ignore any prepayment premiums or other conditions related to prepayments made in connection with a tax abatement, purchase agreement, release of funds from any reserve(s) or loan equalization payment, as described in the applicable Source Document(s).

For the purpose of comparing the "Prepayment Provision" characteristic, Freddie Mac instructed us to assume that the entire "Loan" (as described in the applicable Source Document(s)) has been securitized.

22. For the purpose of comparing the "Cash Management (Description or N/A)" characteristic, Freddie Mac instructed us to use the following definitions:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Hard</u> – a cash management administration method where the tenants directly pay rents to the borrower or the management company who then deposits the rents into a lockbox account. Funds are then swept into a lender-controlled
account and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Springing</u> – a cash management administration method where, at the origination of the Mortgage Loan, the tenants directly pay rents to the borrower or the management company who then deposits the rents into a lockbox account. Prior
to a trigger event, the funds will be swept to a borrower-controlled account. Upon the occurrence of a trigger event, the funds will be swept to a lender-controlled account.

23. For the purpose of comparing the "Lockbox (Y/N)" characteristic, Freddie Mac instructed us to use "Yes" if a clearing account was set up at the origination of the Mortgage Loan, as shown in the cash management agreement
or lockbox agreement Source Document.

24. For the purpose of comparing the "Primary Servicing Fee" characteristic, Freddie Mac indicated that the "Primary Servicing Fee" is described in the Draft Preliminary Information Circular and other Transaction offering
documents as the sub-servicing fee.

25. For the purpose of comparing the "Trustee Fee" characteristic, Freddie Mac indicated that the "Trustee Fee" of 0.00516% per annum for each Mortgage Loan on the Preliminary Data File is comprised of a certificate
administrator fee of 0.00406% per annum and a trustee fee of 0.00110% per annum, as shown in the applicable Source Document.

**Exhibit 1 to Attachment A**<br> Page 16 of 17<br>

26. Freddie Mac indicated that any Mortgage Loan(s) listed in the table below (each a "Split Mortgage Loan") are each comprised of one or more portions of the related mortgage whole loan (each a "Whole Loan"), which also has
one or more portions that will not be assets of the Transaction's issuing entity (each, a "Companion Loan").

For each Whole Loan listed in the table below, the applicable Source Document(s) listed in the "Data Source(s)" column of the table below indicate that each Whole Loan was split into multiple components.

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| | | | |
|:---|:---|:---|:---|
| **Whole Loan** | **Mortgage Loan and Companion Loan(s)** | **Original Component Balances** | **Data Source(s)** |
| N/A | N/A | N/A | N/A |

---

For the purpose of comparing the "Original Loan Amount" characteristic for any Split Mortgage Loan, Freddie Mac instructed us to use the information in the "Original Component Balances" column of the table above that is associated with the "Mortgage Loan" component(s) of each Whole Loan that is listed in the "Mortgage Loan and Companion Loan(s)" column of the table above.

For the purpose of comparing the "Additional Financing Amount (Existing)" characteristic for any Split Mortgage Loan, Freddie Mac instructed us to use the information in the "Original Component Balances" column of the table above that is associated with the "Companion Loan(s)" component(s) of each Whole Loan that is listed in the "Mortgage Loan and Companion Loan(s)" column of the table above.

For the purpose of comparing the "Additional Financing In Place (Existing) (Yes/No)" characteristic, Freddie Mac instructed us to "Yes" for any Split Mortgage Loan.

For the purpose of comparing the "Additional Financing Description (Existing)" characteristic for any Split Mortgage Loan listed in the table above, Freddie Mac instructed us to include the Companion Loan(s), as described in the applicable Source Document(s).

**Exhibit 1 to Attachment A**<br> Page 17 of 17<br>

27. For any Mortgage Loan listed in the table below, Freddie Mac instructed us to use the value, as shown on the Preliminary Data File, for the applicable characteristic listed in the table below, even if the information on the Preliminary Data File
did not agree with the corresponding information that was shown in the applicable Source Document(s) or the applicable Source Document(s) were not provided to us.

---

| | |
|:---|:---|
| **Mortgage Loan** | **Characteristic** |
| N/A | N/A |

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We performed no procedures to determine the appropriateness, accuracy, completeness or reasonableness of the (a) information described in the table above, as shown on the Preliminary Data File, or (b) instruction(s) provided by Freddie Mac described in this Note.

We performed no procedures to determine the appropriateness, accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by Freddie Mac that are described in the notes above.

**Exhibit 2 to Attachment A**<br>

**<u>Provided Characteristics</u>**

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| |
|:---|
| **<u>Characteristic</u>** |
| Loan No. / Property No. |
| Property Name |
| Loan Group |
| Master Servicing Fee |
| CREFC Royalty Fee |
| Master Servicing Surveillance Fee |
| Special Servicing Surveillance Fee |
| Rental Subsidy Indicator (Y/N) |
| Rental Subsidy Type |
| Environmental Insurance Expiration Date |
| Environmental Insurance Carrier (Name or N/A) |
| Environmental Insurance Carrier Rating |
| Environmental Insurance Coverage ($ or N/A) |
| Terrorism Insurance Expiration Date |
| Terrorism Insurance Carrier (Name or N/A) |
| Terrorism Insurance Carrier Rating |
| Terrorism Insurance Coverage ($ or N/A) |
| Terrorism Insurance Deductible ($ or N/A) |
| Property Insurance Expiration Date |
| Property Insurance Carrier (Name or N/A) |
| Property Insurance Carrier Rating |
| Property Insurance Coverage ($ or N/A) |
| Property Insurance Deductible ($ or N/A) |
| Liability Insurance Expiration Date |
| Liability Insurance Carrier (Name or N/A) |
| Liability Insurance Carrier Rating |
| Liability Insurance Coverage ($ per occurrence/$ aggregate or N/A) |
| Liability Insurance Deductible ($ or N/A) |
| Borrower Principal |
| Borrower/Principal Liquid Assets |
| Borrower/Principal Net Worth |
| Bankruptcy Description (Chapter # or N/A) |

---

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| | |
|:---|:---|
| **<u>Note</u>:** | We performed no procedures to determine the appropriateness, accuracy, completeness or reasonableness of the Provided Characteristics. |

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