# EDGAR Filing Document

**Accession Number:** 0001026214
**File Stem:** 0001193125-25-146879
**Filing Date:** 2025-6
**Character Count:** 80476
**Document Hash:** 3c09c51dabae27f90546cb746c4eea11
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-146879.hdr.sgml**: 20250625

**ACCESSION NUMBER**: 0001193125-25-146879

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

**PUBLIC DOCUMENT COUNT**: 3

**CONFORMED PERIOD OF REPORT**: 20250625

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

**FILED AS OF DATE**: 20250625

**DATE AS OF CHANGE**: 20250625

**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:** 251073692

**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 ML-30) and FRETE 2025-ML30 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;**Robert Koontz (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 June 25, 2025, 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: June 25, 2025 | Federal Home Loan Mortgage Corporation, <br> as Depositor with respect to the Structured Pass-Through<br> Certificates, Series ML-30, and as Securitizer with <br> respect to the FRETE 2025-ML30 Trust | Federal Home Loan Mortgage Corporation, <br> as Depositor with respect to the Structured Pass-Through<br> Certificates, Series ML-30, and as Securitizer with <br> respect to the FRETE 2025-ML30 Trust |
|  | By: | /s/ Robert Koontz |
|  |  | Name: Robert Koontz<br> Title: Senior Vice President – Multifamily Capital Markets |

---

**EXHIBIT INDEX**

Exhibit 99.1 Report of Independent Accountants on Applying Agreed-Upon Procedures, dated June 25, 2025, 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")

Banc of America Merrill Lynch Commercial Mortgage Inc.

Bank of America, N.A.

BofA Securities, Inc.

(collectively, the "Specified Parties")

---

| | |
|:---|:---|
| **Re:** | **Freddie Mac** |
|  | **Structured Pass-Through Certificates (SPCs) Series ML-30 (the "Guaranteed Certificates")** |
|  | **FRETE 2025-ML30 Trust (the "Issuing Entity")** |
|  | **Multifamily ML Pass-Through Certificates, Series 2025-ML30 (the "Non-Guaranteed 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 the Loans (as defined herein) contained on the Data Files (as defined herein) (the "Subject Matter") relating to the Issuing Entity's Guaranteed Certificates and Non-Guaranteed Certificates securitization transaction (the "Transaction") as of 25 June 2025. 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.

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 Loans, which contain various source documents (the "Source Documents") relating to the Loans and Properties (as defined herein) that secure the 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | Page 2 of 3 |

---

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 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.

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 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 Loans,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Whether the originator(s) of the 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 Loans that would be material to the likelihood that the issuer of the certificates that are secured by the Loans will pay interest and principal in accordance with applicable terms and
conditions.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | Page 3 of 3 |

---

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

25 June 2025

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 1 of 9 |

---

**<u>Background</u>**

For the purpose of the procedures described in this report, Freddie Mac indicated that:

a. The primary assets of the Transaction's issuing entity will be a pool of 15 fixed rate loans (the "Loans") intended to be tax-exempt loans, secured by 15 mortgaged real properties (the "Properties")
and

b. One of the Loans has a corresponding taxable supplemental loan that will not be an asset of the Transaction's issuing entity (the "Taxable Loan").

For the purpose of the procedures described in this report, each Loan, together with the corresponding Taxable Loan, is hereinafter referred to as the "Total Debt associated with each Loan."

**<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 relating to the Loans and Total Debt associated with each Loan as of 1 July 2025 (the "Cut-Off Date")
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 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 2 of 9 |

---

1. (continued)

Additionally, for any 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>Loan</u>** | **<u>Draft Source Document(s)</u>** |
| N/A | N/A |

---

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).

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 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 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 the:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 3 of 9 |

---

5. (continued)

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 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.

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 Loan has a fixed level monthly payment, we recalculated the "Amortization Term (Original)" of each 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 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 4 of 9 |

---

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 Loan. We compared this recalculated information to the corresponding information on the Final Data File and found such information to be in agreement.

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, and the instructions provided by Freddie Mac that are described in the succeeding paragraph(s) of this Item, 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 Loan, assuming all scheduled payments of principal and/or interest on the 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 recalculating the "Cut-Off Date Loan Amount" and "Maturity Balance" characteristics for any Loan listed in the table below, Freddie Mac instructed us to apply the principal payment value related to the "First Payment Date" of the Loan, as shown on the amortization schedule in the applicable Source Document(s).

---

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

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Ignore differences of +/- $2 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 Loan.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 5 of 9 |

---

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 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 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. Master Servicing Surveillance Fee,

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

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

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

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 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 monthly debt service amount as shown in the applicable Taxable Loan Source Document(s), as applicable, 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 Loan and, as applicable, Total Debt associated with each Loan (except for any 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 6 of 9 |

---

15. (continued)

For the purpose of this procedure, Freddie Mac instructed us to recalculate the characteristics listed in i. through iii. above for any group of Loans with the same value (except for "N/A") for the "Crossed Loans" characteristic (each such group of 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 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 Loans in the Crossed Loan Group by weighting the result of a. above for each Loan in the Crossed Loan Group by the "Cut-Off Date
Loan Amount" of such 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.

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 monthly debt service amount as shown in the applicable Taxable Loan Source Document(s), as applicable, 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. Cut-Off Date LTV,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Maturity LTV,

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. UW NCF DSCR (IO) 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 Loan and, as applicable, Total Debt associated with each Loan (except for any 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 the nearest 1/10th of one percent and the characteristics listed in iii. through iv. above to two decimal places.

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 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 Loans in the Crossed Loan Group by weighting the result of a. above for each Loan in the Crossed Loan Group by the "Cut-Off Date
Loan Amount" of such 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 the nearest 1/10<sup>th</sup> of one percent for characteristics listed in i. through ii. above, and rounding the result of b. above to two decimal places for characteristics listed in iii. through iv.
above.

---

| | |
|:---|:---|
| ![](g927210eylogo2.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 Loans in the Crossed Loan Group by the aggregate "Total Units" of the Loans in the Crossed Loan Group.

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

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 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 "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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 8 of 9 |

---

17. (continued)

For any 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;&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."

For any 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 Loan that is not a 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.

---

| | |
|:---|:---|
| ![](g927210eylogo2.jpg) | **Attachment A**<br> Page 9 of 9 |

---

18. Using the "Bad Boy Indemnitor / Guarantor" and "Borrower Principal," as shown on the Final Data File, we identified those 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 20<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 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, Property Inspection and Lease Audit, Investment Brief |
| Year Built | Engineering Report, Appraisal Report, Post Construction Analysis Report, Investment Brief |
| Year Renovated | Engineering Report, Appraisal Report, Construction Report, Post Construction Analysis Report, Investment Brief |
| Expected Construction Completion Date | Continuing Covenant Agreement, Commitment Letter, Pre-Construction Analysis Report |
| Elevator (Y/N) | Engineering Report, Appraisal Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Physical Risk Report, Pre-Construction Analysis Report |
| Zoning Status | Zoning Summary, Appraisal Report |
| Management Company | Management Agreement, Continuing Covenant Agreement |

---

**Exhibit 1 to Attachment A**<br> Page 2 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Appraisal Firm | Appraisal Report |
| Appraised Value | Appraisal Report |
| Appraisal Valuation Date | Appraisal Report |
| Appraised Value Type | Appraisal Report |
| FIRREA Eligible (Y/N) | Appraisal Report |
| Engineering Firm | Engineering Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Form 1105, Physical Risk Report, Preliminary Environmental Screening Site Report, Pre-Construction Analysis Report, Post Construction Analysis Report |
| Engineering Report Date | Engineering Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Form 1105, Physical Risk Report, Preliminary Environmental Screening Site Report, Pre-Construction Analysis Report, Post Construction Analysis Report |
| Immediate Repairs Cost Estimate | Engineering Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Form 1105, Physical Risk Report, Preliminary Environmental Screening Site Report, Pre-Construction Analysis Report, Post Construction Analysis Report |
| Replacement Reserves Cost Estimate per Year | Engineering Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Form 1105, Physical Risk Report, Preliminary Environmental Screening Site Report, Pre-Construction Analysis Report, Post Construction Analysis Report |
| Environmental Firm | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report, Investment Brief |
| Phase I Environmental Report Date | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report, Investment Brief |
| Phase II Recommended (Y/N) | Phase I Environmental Report, Physical Risk Report, Preliminary Environmental Screening Site Report, Investment Brief |
| Phase II Performed (Y/N) | Phase II Environmental Report |

---

**Exhibit 1 to Attachment A**<br> Page 3 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| 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, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review Report, Investment Brief, Physical Risk Report, Preliminary Environmental Screening Site Report |
| PML Report Required (Y/N) | Seismic Report, Engineering Report, Plan and Cost Review Summary Report, Renovation Cost Analysis and Document Review 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 |

---

**Exhibit 1 to Attachment A**<br> Page 4 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Total Units | Appraisal Report, Rent Roll |
| Unit of Measure | Appraisal Report, Rent Roll |
| 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 |
| Condo Ownership (% or N/A) | Continuing Covenant Agreement, Investment Brief |
| Green Advantage | Investment Brief, Green Assessment Report, Continuing Covenant Agreement |
| Affordable LI Units (<=80% AMI) | CRA Report |
| Affordable LI Units (<=60% AMI) | CRA Report |
| Affordable VLI Units (<=50% AMI) | CRA Report |

---

**<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 | Investment Brief |

---

**Exhibit 1 to Attachment A**<br> Page 5 of 20<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 |
| Seismic Insurance if PML >=20% (Y/N) | Property Insurance Certificate, Form 1133, Multifamily Insurance Compliance Report |
| Environmental Insurance (Y/N) | Environmental Insurance Certificate, Continuing Covenant Agreement |

---

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

---

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

---

**Exhibit 1 to Attachment A**<br> Page 6 of 20<br>

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

---

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

---

**Exhibit 1 to Attachment A**<br> Page 7 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Loan Purpose (Acquisition, Refinance) | Settlement Statement, Continuing Covenant Agreement, Multifamily Loan and Security Agreement |
| Freddie Mac Loan Number | Project Note, Amended Project Note, Funding Note, Continuing Covenant Agreement, Promissory Note |
| Optigo Lender | Project Note, Amended Project Note, Funding Loan Agreement, Project Loan Agreement, Promissory Note |
| Note Date | Project Note, Amended Project Note, Multifamily Housing Revenue Agency Debt Obligation, Promissory Note |
| Original Loan Amount | Project Note, Amended Project Note, Multifamily Housing Revenue Agency Debt Obligation, Promissory Note |
| Gross Interest Rate | Project Note, Amended Project Note, Promissory Note |
| Loan Amortization Type | Project Note, Amended Project Note, Promissory Note |
| Monthly Debt Service Amount (IO) | Project Note, Amended Project Note, Promissory Note |
| Monthly Debt Service Amount (Amortizing) | Project Note, Amended Project Note, Promissory Note |
| First Payment Date | Project Note, Amended Project Note, Promissory Note |
| Payment Date | Project Note, Amended Project Note, Promissory Note |
| Maturity Date | Project Note, Amended Project Note, Promissory Note |
| Rate Type | Project Note, Amended Project Note, Promissory Note |
| Accrual Basis | Project Note, Amended Project Note, Promissory Note |
| Late Charge Grace Period | Project Note, Amended Project Note, Promissory Note |

---

**Exhibit 1 to Attachment A**<br> Page 8 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Prepayment Provision | Project Note, Amended Project Note, Project Loan Agreement, Funding Loan Agreement, Promissory Note, Multifamily Loan and Security Agreement |
| Partial Defeasance Permitted (Y/N) | Project Note, Amended Project Note, Project Loan Agreement, Promissory Note, Multifamily Loan and Security Agreement |
| Defeasance To Maturity (Y/N) | Continuing Covenant Agreement, Project Loan Agreement, Promissory Note, Multifamily Loan and Security Agreement |
| Non-Compliance Provisions (Y/N) | Continuing Covenant Agreement, Multifamily and Security Agreement |
| Title Vesting (Fee/Leasehold/Both) | Title Policy, Security Instrument |
| Lien Position | Title Policy |
| Ground Lease Rent | Ground Lease |
| Ground Lease Maturity Date | Ground Lease |
| Ground Lease Expiration Date w/ Extensions | Ground Lease |
| Cash Management (Description or N/A) | Cash Management Agreement, Lockbox Agreement |
| Lockbox (Y/N) | Cash Management Agreement, Lockbox Agreement |
| Assumption Fee | Continuing Covenant Agreement, Multifamily and Security Agreement |
| Additional Financing In Place (existing) (Y/N) | Continuing Covenant Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Subordinate Loan Payoff Confirmation, Supplemental Promissory Note |
| Additional Financing Amount (existing) | Continuing Covenant Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Subordinate Loan Payoff Confirmation, Supplemental Promissory Note |
| Additional Financing Description (existing) | Continuing Covenant Agreement, Mezzanine Note, Mezzanine Loan Intercreditor Agreement, Subordinate Financing Agreement, Subordinate Loan Payoff Confirmation, Supplemental Promissory Note |

---

**Exhibit 1 to Attachment A**<br> Page 9 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Future Mezzanine Debt (Y/N) | Continuing Covenant Agreement, Multifamily and Security Agreement |
| Future Supplemental Financing (Y/N) | Continuing Covenant Agreement, Continuing Covenant Agreement Amendment, Multifamily and Security Agreement |
| Future Supplemental Financing Description | Continuing Covenant Agreement, Continuing Covenant Agreement Amendment, Multifamily and Security Agreement |
| Substitution Permitted (Y/N) | Continuing Covenant Agreement, Substitution Agreement, Multifamily and Security Agreement |
| Collateral Release Price ($ or N/A) | Continuing Covenant Agreement, Cross Collateralization Agreement, Multifamily and Security Agreement |
| Crossed Loans | Continuing Covenant Agreement, Cross Collateralization Agreement, Multifamily and Security Agreement |
| Release (Y or N or N/A) | Continuing Covenant Agreement, Cross Collateralization Agreement, Multifamily and Security Agreement |
| Release Provisions (Description or N/A) | Continuing Covenant Agreement, Cross Collateralization Agreement, Multifamily and Security Agreement |
| Independent Director (Y/N) | Continuing Covenant Agreement, Multifamily and Security Agreement |
| Non-Consolidation Opinion (Y/N) | Non-Consolidation Opinion from Counsel, Commitment Letter |
| Bond Counsel Name | Opinion from Counsel |
| Primary Servicing Fee | Commitment Letter, Project Loan Agreement |
| Trustee Fee | Trustee Fee Bid Package |

---

**Exhibit 1 to Attachment A**<br> Page 10 of 20<br>

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

---

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

---

**Exhibit 1 to Attachment A**<br> Page 11 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Replacement Reserve – Contractual – Cap ($ or N/A) | Continuing Covenant Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape, Multifamily Loan and Security Agreement |
| Other Reserve - Current Balance ($ or N/A) | Servicing Tape |
| Other Reserve (Initial) | Continuing Covenant Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape, Multifamily Loan and Security Agreement |
| Other Reserve Description | Continuing Covenant Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape, Multifamily Loan and Security Agreement |
| Other Reserve (Monthly) | Continuing Covenant Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape, Multifamily Loan and Security Agreement |
| Other Reserve – Contractual – Cap ($ or N/A) | Continuing Covenant Agreement, Escrow Agreement, List of All Escrow Accounts Held, Settlement Statement, Servicing Tape |
| Springing Reserve Type | Continuing Covenant Agreement, Escrow Agreement, Multifamily Loan and Security Agreement |
| Springing Reserve Amount | Continuing Covenant Agreement, Escrow Agreement, Multifamily Loan and Security Agreement |
| Springing Reserve Description | Continuing Covenant Agreement, Escrow Agreement, Multifamily Loan and Security Agreement |
| Are Escrows/Reserves LOC or can be converted to LOC (Y/N) | Continuing Covenant Agreement, Multifamily Loan and Security Agreement |
| Specify Accounts for Escrows/Reserves LOC | Continuing Covenant Agreement, Multifamily Loan and Security Agreement |
| Letter of Credit Amount | Letter of Credit, Continuing Covenant Agreement, Multifamily Loan and Security Agreement |
| Letter of Credit Description | Letter of Credit, Continuing Covenant Agreement, Multifamily Loan and Security Agreement |

---

**Exhibit 1 to Attachment A**<br> Page 12 of 20<br>

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

---

| | |
|:---|:---|
| **<u>Characteristic</u>** | **<u>Source Document(s)</u>** |
| Regulatory Agreement (Y/N) | Regulatory Documents, Continuing Covenant Agreement, Legal Affordability Summary Report |
| Type of Regulatory Agreement(s) | Regulatory Documents, Continuing Covenant Agreement, Legal Affordability Summary Report |
| Description of Regulatory Agreement(s) | Regulatory Documents, Legal Affordability Summary Report |
| Number of LIHTC Units | Regulatory Documents, Legal Affordability Summary Report |
| Regulatory Agency/Housing Authority/Regulatory Agreement Counterparty | Regulatory Documents, Legal Affordability Summary Report |
| % Units with Income Restrictions | Regulatory Documents, Legal Affordability Summary Report |
| % Units with Rent Restrictions | Regulatory Documents, Legal Affordability Summary Report |
| HAP Maturity Date | Regulatory Documents, Legal Affordability Summary Report |
| Tax Credit Investor Name | LPA/Operating Agreement, Continuing Covenant Agreement |
| Rental/Income/Age Restrictions (Y/N) | Regulatory Agreement, Continuing Covenant Agreement, Multifamily Loan and Security Agreement |
| Issuer | Funding Loan Agreement |
| Fiscal Agent Name | Funding Loan Agreement |
| Annual Fiscal Agent Fee ($) | Funding Loan Agreement, Commitment Letter, Amended Funding Loan Agreement, Fiscal Agent Fee Proposal |
| Annual Fiscal Agent Fee Payment Date | Funding Loan Agreement, Amended Funding Loan Agreement |
| First Annual Fiscal Agent Fee Payment Date | Funding Loan Agreement, Amended Funding Loan Agreement |
| Annual Governmental Lender Fee | Funding Loan Agreement, Regulatory Documents, Commitment Letter |

---

**Exhibit 1 to Attachment A**<br> Page 13 of 20<br>

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

1. For the purpose of comparing the "Metropolitan Statistical Area" characteristic, the MSA support file Source Document is a Microsoft Excel file labelled "MSA File_2025-05-22.xlsx" which was provided by Freddie Mac on 28
May 2025.

2. Freddie Mac instructed us to perform procedures on the "Expected Construction Completion Date" characteristic only for those Loans, if any, that contain a repair mortgaged property completion date in the applicable Source
Document(s).

If the applicable Source Document(s) do not contain a repair mortgaged property completion date, Freddie Mac instructed us to use "N/A" for the "Expected Construction Completion Date" characteristic.

3. 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.

4. For the purpose of comparing the "Appraised Value," "Appraisal Valuation Date" and "Appraised Value Type" characteristics for any 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.

---

| | | |
|:---|:---|:---|
| **Loan** | **Valuation Type from Appraisal Report** | **Appraised Value Type** |
| Osprey Park (fka Osprey Village) | Hypothetical leased fee value "as stabilized" | As-Stabilized (Rent Restrictions) |
| Casa Suenos (fka Fruitvale Transit Village Phase IIB) | As Stabilized – As Proposed | As-Stabilized (Rent Restrictions) |
| Parmore Anna | Leasehold market value assuming affordable encumbrances "As Is", with a tax exemption | As-Is (Rent Restrictions) |
| Haven At Congaree Pointe | Market Values Assuming LIHTC & Tax Exemption | As-Is (Rent Restrictions) |
| Waters At Augusta | As Complete and Stabilized | As-Stabilized (Rent Restrictions) |

---

**Exhibit 1 to Attachment A**<br> Page 14 of 20<br>

4. (continued)

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| | | |
|:---|:---|:---|
| **Loan** | **Valuation Type from Appraisal Report** | **Appraised Value Type** |
| Gaston At North End | Restricted Rent Values Scenario-Encumbered | As-Is (Rent Restrictions) |
| Barge Road Senior Tower | As Is market value as if encumbered with tax exemption | As-Is (Rent Restrictions) |
| Mounts Homes | As-Restricted (Encumbered with PILOT) | As-Is (Rent Restrictions) |

---

5. For the purpose of comparing the "Immediate Repairs Cost Estimate" characteristic, Freddie Mac instructed us to use "$0" for the "Immediate Repairs Cost Estimate" characteristic if the plan and cost review
summary report, renovation cost analysis and document review report, form 1105, physical risk report, preliminary environmental screening site report, pre-construction analysis report or post construction analysis report Source Document did not
contain the corresponding information and an engineering report Source Document was not available.

6. For the purpose of comparing the "Replacement Reserves Cost Estimate per Year" characteristic, Freddie Mac instructed us to use "N/A" for the "Replacement Reserves Cost Estimate per Year" characteristic if the
plan and cost review summary report, renovation cost analysis and document review report, form 1105, physical risk report, preliminary environmental screening site report, pre-construction analysis report or post construction analysis report Source
Document did not contain the corresponding information and an engineering report Source Document was not available.

7. 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, preliminary environmental screening site report or investment brief Source Document was provided in the related loan file and a phase I
environmental report Source Document was not available.

8. Freddie Mac instructed us to perform procedures on the "Phase II Performed (Y/N)" and "Phase II Environmental Report Date" characteristics only for those Loans, if any, that contained a phase II environmental report
Source Document in the related loan file.

**Exhibit 1 to Attachment A**<br> Page 15 of 20<br>

9. 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.

10. Freddie Mac instructed us to perform procedures on the "PML Report Required (Y/N)," "Seismic Firm," "Seismic Report Date" and "PML (%)" characteristics only for 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.

11. 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 Loan, as shown in the appraisal report or rent roll Source
Document.

**Exhibit 1 to Attachment A**<br> Page 16 of 20<br>

12. 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,

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.

13. 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.

14. 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).

15. For the purpose of comparing the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Affordable LI Units (<=80% AMI),

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Affordable LI Units (<=60% AMI) and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Affordable VLI Units (<=50% AMI)

characteristics, the CRA report Source Document is a Microsoft Excel file labelled "cra2.xlsx" which was provided by Freddie Mac on 28 May 2025.

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

**Exhibit 1 to Attachment A**<br> Page 17 of 20<br>

17. 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 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 Source Document indicates that flood insurance is in place.

18. For the purpose of comparing the "Seismic Insurance if PML >=20% (Y/N)" characteristic, Freddie Mac instructed us to use "Yes" 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% (Y/N)" characteristic, even if the property insurance certificate Source Document indicates that earthquake insurance is in place.

19. For the purpose of comparing the "Underwriting Information" and "Reserve/Escrow Information" characteristics, 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

that are expressed as dollar values.

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

21. For the purpose of comparing the "Gross Interest Rate" characteristic, Freddie Mac instructed us to use the sum of the interest rate and the servicing fee rate, as shown in the applicable Source Document(s).

**Exhibit 1 to Attachment A**<br> Page 18 of 20<br>

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 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 have 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 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, and

&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.

For the purpose of comparing the "Monthly Debt Service Amount (IO)" characteristic for any Interest Only Loan or Partial IO Loan which also have 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 of:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 365/360.

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 Loan for which the "Loan Amortization Type" characteristic is "Balloon" or "Fully Amortizing," as shown 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.

23. For the purpose of comparing the "First Payment Date" characteristic (except for any Loan listed in the table below), Freddie Mac instructed us to assume that the "First Payment Date" is the payment date after the end of
the first full interest accrual period.

For the purpose of comparing the "First Payment Date" for any Loan listed in the table below, Freddie Mac instructed us to use the first payment date value shown on the amortization schedule in the applicable Source Document(s).

---

| |
|:---|
| **Loan** |
| Bloomington Rad II (Crestmont) |

---

**Exhibit 1 to Attachment A**<br> Page 19 of 20<br>

24. For the purpose of comparing the "Prepayment Provision" characteristic for Loans which permit defeasance after the "Conversion Date" or "Long-Term Permanent Financing Date," as applicable, as shown in the
applicable Source Document(s), Freddie Mac instructed us to consider the "Conversion Date" or "Long-Term Permanent Financing Date," as applicable, as the "Note Date," as shown in the applicable Source
Document(s).

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).

25. 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 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

26. 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 Loan, as shown in the applicable Source
Document(s).

27. 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 as the sub-servicing
fee.

28. Freddie Mac indicated that the "Trustee Fee" of "0.01750%" *per annum* for each Loan on the Preliminary Data File is comprised of a certificate administrator fee of "0.01480%" *per annum* and a
trustee fee of "0.00270%" *per annum*, as shown in the applicable Source Document.

29. For the purpose of comparing the "Reserve/Escrow Information" characteristics, the servicing tape Source Document is a Microsoft Excel file labelled "Servicer Escrow Template_2025-06-12 v3.xlsx" which was provided by
Freddie Mac on 18 June 2025.

30. For the purpose of comparing the "Regulatory Agreement Information" characteristics, the legal affordability summary report Source Document is a Microsoft Excel file labelled "ML-30 Regulatory Agreement Diligence
Spreadsheet(88547.1).xlsx" which was provided by Freddie Mac on 16 June 2025.

**Exhibit 1 to Attachment A**<br> Page 20 of 20<br>

31. For the purpose of comparing the "Tax Credit Investor Name" characteristic, Freddie Mac instructed us to list all entities directly rolling up to the tax credit investor entity with an ownership interest of 15% or greater in the tax
credit investor entity, as shown in the related organizational chart(s) in the applicable Source Document(s).

32. For any Loan listed in the table below, Freddie Mac instructed us to use the information in the "Provided Value" column for the applicable characteristic listed in the table below, even if the information in the "Provided
Value" column did not agree with the information that was shown in the applicable Source Document(s) or the applicable Source Document(s) were not provided to us.

---

| | | |
|:---|:---|:---|
| **Loan** | **Characteristic** | **Provided Value** |
| N/A | N/A | N/A |

---

We performed no procedures to determine the appropriateness, accuracy, completeness or reasonableness of any "Provided Value" information in the table above that was provided by Freddie Mac.

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>**

---

| |
|:---|
| **<u>Characteristic</u>** |
| Property Name |
| Loan Group |
| Appraised Value Type |
| Number of Properties |
| 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) |
| Tax Credit Syndicator Name |
| CDCR (Combined DCR) |
| CLTV (Combined LTV) |
| Borrower Principal |
| Borrower/Principal Liquid Assets |
| Borrower/Principal Net Worth |
| Bankruptcy Description (Chapter # or N/A) |

---

---

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

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