OVERVIEW Product Summary

ACIS (re)insurance contracts transfer a portion of credit risk away from U.S. taxpayers on single-family mortgages that Freddie Mac acquires. Transactions can be linked to specific STACR (Structured Agency Credit Risk) reference pools, allowing (re)insurers co-participation alongside capital markets investors and Freddie Mac, or executed on standalone reference pools.

Characteristics

  • Large, diversified reference pools
  • Multiple tranches to accommodate various risk appetites
  • ACIS transactions have been issued under the following series:
    • DNA (actual loss) and DN (fixed severity) - Collateral with OLTVs 61 - 80
    • HQA (actual loss) and HQ (fixed severity) - Collateral with OLTVs 81 – 97
    • SAP (actual loss) - 15/20-Year Fixed-Rate Mortgages
    • ARMR (actual loss) - HARP and Relief Refi Collateral
    • FTR (actual loss) - Off-the-Run Non-Relief Refi Collateral
  • (Re)insurers are only required to partially collateralize their limit, driven by counterparty ratings and tranche participation
  • Freddie Mac holds the senior risk, which is unfunded and not issued, a portion of the first-loss piece and at least 5% interest in each tranche
  • For >20-year mortgages: 12.5-year legal maturity, with early call option at year 5, and early redemption option at year 10
  • For 15-year mortgages: 7.5-year legal maturity, with early call generally at year 4; any losses on the reference pool that occur beyond year 7.5 are borne by Freddie Mac and do not affect the transaction
  • Call option(s) included in transactions provide flexibility as deals season

ACIS Contract Options

STACR Trust Diagram

Pricing

STACR�
Aggregation Period
Total Limit of Liability
Initial Limit of Liability
Total Size
Size
Premium

ACIS 2019-DNA4

Jan 2019 - Mar 2019
$172,347,821

M-1H: $47,218,254

M-2H: $90,909,974

B-1H: $23,609,126

B-2H: $10,610,468

B-3H: Fully Retained

4.00%

M-1H: 1.00%

M-2H: 1.90%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 0.90%

M-2H: 2.10%

B-1H: 3.75%

B-2H: 10.70%

B-3H: N/A

ACIS 2019-HQA3

Oct 2018 - Dec 2018
$193,656,644

M-1H: $46,283,999

M-2H: $92,567,997

B-1H: $41,660,648

B-2H: $13,144,000

B-3H: Fully Retained

4.50%

M-1H: 1.00%

M-2H: 2.00%

B-1H: 0.90%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 0.95%

M-2H: 2.20%

B-1H: 4.00%

B-2H: 12.25%

B-3H: N/A

ACIS 2019-FTR2

Jan 2014 - Sep 2018
$87,800,678

M-1H: $27,353,324

M-2H: $39,092,286

B-1H: $12,677,894

B-2H: $8,677,174

B-3H: Fully Retained

3.50%

M-1H: 1.00%

M-2H: 1.40%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 0.95%

M-2H: 2.05%

B-1H: 3.75%

B-2H: 10.50%

B-3H: N/A

ACIS 2019-DNA3

Oct 2018 - Dec 2018
$250,617,513

M-1H: $62,558,156

M-2H: $131,500,130

B-1H: $31,279,077

B-2H: $25,280,151

B-3H: Fully Retained

4.25%

M-1H: 1.00%

M-2H: 2.15%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 0.90%

M-2H: 2.20%

B-1H: 4.00%

B-2H: 10.50%

B-3H: N/A

ACIS 2019-ARMR1

Jan 2009 - Dec 2018
$77,842,324

M-1H: $10,939,880

M-2H: $36,295,953

M-3H: $15,244,491

B-1H: $10,661,024

B-2H: $4,700,974

B-3H: Fully Retained

7.00%

M-1H: 0.80%

M-2H: 2.70%

M-3H: 1.25%

B-1H: 1.00%

B-2H: 1.00%

B-3H: 0.25%

M-1H: 0.95%

M-2H: 1.80%

M-3H: 2.75%

B-1H: 4.75%

B-2H: 12.50%

B-3H: N/A

ACIS 2019-FTR1

Nov 2016 - Nov 2017
$46,369,987

B-2H: $46,369,987

B-3H: Fully Retained

0.54%

B-2H: 0.44%

B-3H: 0.10%

B-2H: 10.00%

B-3H: N/A

ACIS 2019-HQA2

Jul 2018 - Sep 2018
$200,278,041

M-1H: $45,291,682

M-2H: $90,583,364

B-1H: $41,757,154

B-2H: $22,645,840

B-3H: Fully Retained

4.50%

M-1H: 1.00%

M-2H: 2.00%

B-1H: 0.90%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 1.00%

M-2H: 2.35%

B-1H: 4.35%

B-2H: 13.00%

B-3H: N/A

ACIS 2019-DNA2

Jul 2018 - Sep 2018
$199,420,322

M-1H: $35,919,320

M-2H: $114,941,823

B-1H: $24,279,590

B-2H: $24,279,590

B-3H: Fully Retained

4.25%

M-1H: 0.75%

M-2H: 2.40%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 0.95%

M-2H: 2.45%

B-1H: 4.50%

B-2H: 10.75%

B-3H: N/A

ACIS 2019-HQA1

Apr 2018 - Jun 2018
$227,732,836

M-1H: $46,492,156

M-2H: $109,141,531

B-1H: $46,492,156

B-2H: $25,606,994

B-3H: Fully Retained

4.50%

M-1H: 0.90%

M-2H: 2.10%

B-1H: 0.90%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 1.05%

M-2H: 2.50%

B-1H: 4.50%

B-2H: 13.00%

B-3H: N/A

ACIS 2019-DNA1

Apr 2018 - Jun 2018
$256,120,532

M-1H: $77,198,079

M-2H: $117,160,286

B-1H: $30,882,936

B-2H: $30,879,231

B-3H: Fully Retained

4.25%

M-1H: 1.25%

M-2H: 1.90%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 1.05%

M-2H: 2.60%

B-1H: 4.55%

B-2H: 10.70%

B-3H: N/A

ACIS 2019-SAP1

March 2018 - November 2018
$251,677,347

M-1: $68,639,277

M-2: $$91,519,035

B-1: $45,759,518

B-2: $45,759,518

B-3: Fully Retained

1.70%

M-1: 0.45%

M-2: 0.60%

B-1: 0.30%

B-2: 0.30%

B-3: 0.05%

M-1: 0.90%

M-2: 2.65%

B-1: 4.70%

B-2: 9.75%

B-3: N/A

ACIS 2018-HQA2

December 2016 - March 2018
$340,889,134

M-1H: $87,816,973

M-2H: $160,065,297

B-1H: $43,908,487

B-2H: $49,098,377

B-3H: Fully Retained

4.00%

M-1H: 1.00%

M-2H: 1.85%

B-1H: 0.50%

B-2H: 0.55%

B-3H: 0.10%

M-1H: 1.05%

M-2H: 2.90%

B-1H: 4.85%

B-2H: 13.00%

B-3H: N/A

ACIS 2018-DNA3

December 2017 - March 2018
$277,191,038

M-1H: $71,328,645

M-2H: $134,533,749

B-1H: $35,664,322

B-2H: $35,664,322

B-3H: Fully Retained

4.00%

M-1H: 1.00%

M-2H: 1.90%

B-1H: 0.50%

B-2H: 0.50%

B-3H: 0.10%

M-1H: 1.05%

M-2H: 2.70%

B-1H: 4.50%

B-2H: 9.90%

B-3H: N/A

ACIS 2018-AFRM1

January 2018 - June 2019
$399,000,000

M-1H: $114,000,000

M-2H: $228,000,000

B-1H: $57,000,000

B-2H: Fully Retained

4.10%

M-1H: 1.00%

M-2H: 2.00%

B-1H: 0.50%

B-2H: 0.60%

M-1H: 1.14%

M-2H: 3.18%

B-1H: 5.22%

B-2H: N/A

ACIS 2018-DNA2

November 2016 - November 2017
$356,302,993

M-1H: $118,767,664

M-2H: $178,151,496

B-1H: $59,383,833

B-2H: Fully Retained

3.50%

M-1H: 1.00%

M-2H: 1.50%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.05%

M-2H: 2.70%

B-1H: 4.50%

B-2H: N/A

ACIS 2018-ARMR1

January 2012 - March 2013
$294,230,651

M-1H: Fully Retained

M-2H: $121,505,875

B-1H: $86,362,388

B-2H: $86,362,388

4.50%

M-1H: 0.25%

M-2H: 1.75%

B-1H: 1.25%

B-2H: 1.25%

M-1H: N/A

M-2H: 1.95%

B-1H: 3.95%

B-2H: 11.95%

ACIS 2018-SAP1

May 2017 - February 2018
$300,128,050

M-1H: $109,137,473

M-2H: $136,421,841

B-1H: $54,568,736

B-2H: Fully Retained

1.95%

M-1H: 0.60%

M-2H: 0.75%

B-1H: 0.30%

B-2H: 0.30%

M-1H: 0.85%

M-2H: 2.75%

B-1H: 4.75%

B-2H: N/A

ACIS 2018-HQA1

April 2017 - September 2017
$348,339,242

M-1H: $79,757,759

M-2H: $218,109,766

B-1H: $50,471,717

B-2H: Fully Retained

4.00%

M-1H: 0.80%

M-2H: 2.20%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 0.85%

M-2H: 2.90%

B-1H: 4.75%

B-2H: N/A

ACIS 2018-DNA1

April 2017 - July 2017
$254,834,295

M-1H: $66,955,331

M-2H: $152,902,089

B-1H: $34,976,874

B-2H: Fully Retained

4.00%

M-1H: 0.90%

M-2H: 2.10%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 0.85%

M-2H: 2.70%

B-1H: 4.50%

B-2H: N/A

ACIS 2017-ARMR1 (2017-9)

April 2009 - December 2011
$285,102,383

M-1H: Fully Retained

M-2H: $221,515,010

B-1H: $32,187,443

B-2H: $31,399,930

4.50%

M-1H: 0.75%

M-2H: 2.25%

B-1H: 0.75%

B-2H: 0.75%

M-1H: N/A

M-2H: 2.75%

B-1H: 4.80%

B-2H: 11.75%

ACIS 2017-HQA3 (2017-8)

December 2016 - March 2017
$222,313,012

M-1H: $44,462,602

M-2H: $150,061,283

B-1H: $27,789,126

B-2H: Fully Retained

4.50%

M-1H: 0.80%

M-2H: 2.70%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 0.80%

M-2H: 2.70%

B-1H: 4.40%

B-2H: N/A

ACIS 2017-DNA3 (2017-7)

November 2016 - March 2017
$400,229,753

M-1H: $133,409,918

M-2H: $200,114,876

B-1H: $66,704,959

B-2H: Fully Retained

3.50%

M-1H: 1.00%

M-2H: 1.50%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 0.85%

M-2H: 2.75%

B-1H: 4.50%

B-2H: N/A

ACIS 2017-AFRM1 (2017-6)

July 2017-December 2019
$648,375,000

M-1H: $199,500,000

M-2H: $349,125,000

B-1H: $99,750,000

B-2H: Fully Retained

3.75%

M-1H: 1.00%

M-2H: 1.75%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.10%

M-2H: 3.20%

B-1H: 5.40%

B-2H: N/A

ACIS 2017-HQA2 (2017-5)

August 2016 - November 2016
$263,301,282

M-1H: $75,228,937

M-2H: $150,457,876

B-1H: $37,614,469

B-2H: Fully Retained

4.00%

M-1H: 1.00%

M-2H: 2.00%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.10%

M-2H: 3.10%

B-1H: 4.70%

B-2H: N/A

ACIS 2017-SAP1 (2017-4)

October 2016 - April 2017
$168,462,057

M-1H: $22,765,143

M-2H: $54,636,343

M-3H: $63,742,400

M-4H: $27,318,171

B-H: Fully Retained

2.15%

M-1H: 0.25%

M-2H: 0.60%

M-3H: 0.70%

M-4H: 0.30%

B-H: 0.30%

M-1H: 0.95%

M-2H: 1.70%

M-3H: 4.10%

M-4H: 6.90%

B-H: N/A

ACIS 2017-DNA2 (2017-3)

July 2016 - October 2016
$440,296,596

M-1H: $176,131,394

M-2H: $190,785,979

B-1H: $73,379,223

B-2H: Fully Retained

3.50%

M-1H: 1.20%

M-2H: 1.30%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.10%

M-2H: 3.25%

B-1H: 4.95%

B-2H: N/A

ACIS 2017-HQA1 (2017-2)

April 2016 - July 2016
$252,305,191

M-1H: $71,738,780

M-2H: $161,431,735

B-1H: $19,134,676

B-2H: Fully Retained

4.25%

M-1H: 1.00%

M-2H: 2.25%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.20%

M-2H: 3.50%

B-1H: 5.00%

B-2H: N/A

ACIS 2017-DNA1 (2017-1)

April 2016 - June 2016
$263,607,928

M-1H: $97,172,197

M-2H: $125,109,168

B-1H: $41,326,563

B-2H: Fully Retained

3.75%

M-1H: 1.20%

M-2H: 1.55%

B-1H: 0.50%

B-2H: 0.50%

M-1H: 1.20%

M-2H: 3.25%

B-1H: 5.25%

B-2H: N/A

ACIS 2016-SAP1 (2016-10)

January 2016 - September 2016
$284,895,698

M-1H: $35,611,962

M-2H: $85,468,709

M-3H: $121,080,672

M-4H: $42,734,355

B-H: Fully Retained

2.15%

M-1H: 0.25%

M-2H: 0.60%

M-3H: 0.85%

M-4H: 0.30%

B-H: 0.15%

M-1H: 0.80%

M-2H: 1.40%

M-3H: 3.25%

M-4H: 5.60%

B-H: N/A

ACIS 2016-HQA4 (2016-9)

January 2016 - March 2016
$148,248,710

M-1H: $35,887,933

M-2H: $36,123,237

M-3H: $59,634,806

B-H: $16,602,734

5.50%

M-1H: 1.23%

M-2H: 1.23%

M-3H: 2.05%

B-H: 1.00%

M-1H: 0.90%

M-2H: 2.00%

M-3H: 4.05%

B-H: 9.15%

ACIS 2016-DNA4 (2016-8)

January 2016 - March 2016
$266,268,986

M-1H: $58,177,260

M-2H: $59,001,463

M-3H: $118,002,925

B-H: $31,087,338

5.00%

M-1H: 1.00%

M-2H: 1.00%

M-3H: 2.00%

B-H: 1.00%

M-1H: 0.90%

M-2H: 1.85%

M-3H: 3.75%

B-H: 8.75%

ACIS 2016-HQA3 (2016-7)

October 2015 - December 2015
$195,144,027

M-1H: $50,370,635

M-2H: $52,951,891

M-3H: $72,563,703

B-H: $19,257,798

5.50%

M-1H: 1.30%

M-2H: 1.35%

M-3H: 1.85%

B-H: 1.00%

M-1H: 0.95%

M-2H: 2.30%

M-3H: 4.25%

B-H: 9.35%

ACIS 2016-DNA3 (2016-6)

October 2015 - December 2015
$276,817,989

M-1H: $61,418,671

M-2H: $58,347,738

M-3H: $125,908,276

B-H: $31,143,305

5.00%

M-1H: 1.00%

M-2H: 0.95%

M-3H: 2.05%

B-H: 1.00%

M-1H: 1.10%

M-2H: 2.15%

M-3H: 4.00%

B-H: 9.25%

ACIS 2016-HQA2 (2016-5)

July 2015 - September 2015
$208,003,123

M-1H: $41,307,378

M-2H: $61,961,068

M-3H: $82,614,757

B-H: $22,119,919

5.50%

M-1H: 1.00%

M-2H: 1.50%

M-3H: 2.00%

B-H: 1.00%

M-1H: 1.10%

M-2H: 2.30%

M-3H: 4.50%

B-H: 9.50%

ACIS 2016-DNA2 (2016-4)

July 2015 - September 2015
$303,275,930

M-1H: $55,729,625

M-2H: $59,507,008

M-3H: $148,767,507

B-H: $39,271,798

5.00%

M-1H: 0.85%

M-2H: 0.90%

M-3H: 2.25%

B-H: 1.00%

M-1H: 1.20%

M-2H: 2.30%

M-3H: 4.00%

B-H: 8.95%

ACIS 2016-SAP1 (2016-3)

July 2015 - December 2015
$201,366,856

M-1H: $25,170,857

M-2H: $60,410,057

M-3H: $85,580,914

M-4H: $30,205,028

B-H: Fully Retained

2.15%

M-1H: 0.25%

M-2H: 0.60%

M-3H: 0.85%

M-4H: 0.30%

B-H: 0.15%

M-1H: 0.85%

M-2H: 1.50%

M-3H: 3.50%

M-4H: 5.75%

B-H: N/A

ACIS 2016-HQA1 (2016-2)

April 2015 - June2015
$336,301,425

M-1H: $77,364,375

M-2H: $84,397,500

M-3H: $154,728,751

B-H: $19,810,799

5.50%

M-1H: 1.10%

M-2H: 1.20%

M-3H: 2.20%

B-H: 1.00%

M-1H: 1.10%

M-2H: 2.50%

M-3H: 4.50%

B-H: 8.95%

ACIS 2016-DNA1 (2016-1)

April 2015 - June 2015
$450,645,659

M-1H: $104,309,951

M-2H: $99,342,811

M-3H: $193,718,481

B-H: $53,274,416

5.00%

M-1H: 1.05%

M-2H: 1.00%

M-3H: 1.95%

B-H: 1.00%

M-1H: 1.20%

M-2H: 2.60%

M-3H: 4.00%

B-H: 8.35%

ACIS 2015-HQA1 (2015-10)

August 2014 - November 2014
$135,571,239

M-1H: $23,663,956

M-2H: $54,137,905

M-3H: $40,904,195

B-H: $16,865,184

5.95%

M-1H: 1.00%

M-2H: 2.25%

M-3H: 1.70%

B-H: 1.00%

M-1H: 1.15%

M-2H: 2.40%

M-3H: 4.10%

B-H: 8.30%

ACIS 2015-HQA2 (2015-9)

December 2014 - March 2015
$372,815,593

M-1H: $62,465,810

M-2H: $153,041,234

M-3H: $121,808,329

B-H: $35,500,220

6.40%

M-1H: 1.00%

M-2H: 2.45%

M-3H: 1.95%

B-H: 1.00%

M-1H: 1.10%

M-2H: 2.50%

M-3H: 4.50%

B-H: 8.95%

ACIS 2015-DNA3 (2015-8)

December 2014 - March 2015
$702,419,287

M-1H: $129,674,781

M-2H: $285,284,514

M-3H: $213,963,388

B-H: $73,496,603

5.85%

M-1H: 1.00%

M-2H: 2.20%

M-3H: 1.65%

B-H: 1.00%

M-1H: 1.10%

M-2H: 2.50%

M-3H: 4.00%

B-H: 8.35%

ACIS 2015-DNA2 (2015-7)

August 2014 - November 2014
$502,815,541

M-1H: $101,476,652

M-2H: $207,663,075

M-3H: $103,831,537

B-H: $89,844,277

5.50%

M-1H: 1.00%

M-2H: 2.00%

M-3H: 1.00%

B-H: 1.50%

M-1H: 1.00%

M-2H: 2.30%

M-3H: 3.75%

B-H: 7.40%

ACIS 2015-DNA1 (2015-6)

October 2012 - December 2012
$132,549,518

M-1H: $21,930,592

M-2H: $22,787,612

M-3H: $28,484,515

B-H: $59,346,799

4.25%

M-1H: 1.00%

M-2H: 1.00%

M-3H: 1.25%

B-H: 1.00%

M-1H: 0.90%

M-2H: 1.85%

M-3H: 3.25%

B-H: 7.50%

ACIS 2015-HQ1 (2015-5)

April 2014 - July 2014
$50,089,282

M-1H: $9,000,370

M-2H: $9,141,334

M-3H: $7,835,430

B-H: $24,112,149

6.50%

M-1H: 1.75%

M-2H: 1.75%

M-3H: 1.50%

B-H: 1.50%

M-1H: 1.05%

M-2H: 2.00%

M-3H: 3.70%

B-H: 8.50%

ACIS 2015-DN1 (2015-4)

April 2014 - July 2014
$173,052,427

M-1H: $28,397,312

M-2H: $32,586,016

M-3H: $48,879,025

B-H: $63,190,073

4.50%

M-1H: 1.00%

M-2H: 1.00%

M-3H: 1.50%

B-H: 1.00%

M-1H: 1.10%

M-2H: 1.85%

M-3H: 3.40%

B-H: 8.50%

ACIS 2014-DN4 (2015-3)

January 2014 - March 2014
$91,546,794

M-1H: $19,266,689

M-2H: $25,395,712

M-3H: $46,884,392

B-H: Fully Retained

5.20%

M-1H: 1.00%

M-2H: 1.30%

M-3H: 2.40%

B-H: 0.50%

M-1H: 1.25%

M-2H: 2.25%

M-3H: 4.00%

B-H: N/A

ACIS 2014-DN3 (2015-2)

October 2013 - December 2013
$115,178,880

M-1H: $26,899,710

M-2H: $33,104,689

M-3H: $55,174,481

B-H: Fully Retained

4.60%

M-1H: 1.00%

M-2H: 1.20%

M-3H: 2.00%

B-H: 0.40%

M-1H: 1.25%

M-2H: 2.25%

M-3H: 4.00%

B-H: N/A

ACIS 2014-HQ2 (2015-1)

January 2013 - September 2013
$499,999,989

M-1H: $180,130,131

M-2H: $169,074,068

M-3H: $150,795,790

B-H: Fully Retained

6.10%

M-1H: 2.00%

M-2H: 1.85%

M-3H: 1.65%

B-H: 0.60%

M-1H: 1.25%

M-2H: 2.25%

M-3H: 4.00%

B-H: N/A

ACIS 2014-DN2 (2014-3)

July 2013 - September 2013
$155,299,987

M-1H: $35,640,765

M-2H: $56,090,260

M-3H: $63,568,962

B-H: Fully Retained

4.50%

M-1H: 1.00%

M-2H: 1.50%

M-3H: 1.70%

B-H: 0.30%

M-1H: 1.13%

M-2H: 2.03%

M-3H: 3.60%

B-H: N/A

ACIS 2014-DN1 (2014-2)

April 2013 - June 2013
$284,448,428

M-1H: $66,262,277

M-2H: $102,274,759

M-3H: $115,911,393

B-H: Fully Retained

4.50%

M-1H: 1.00%

M-2H: 1.50%

M-3H: 1.70%

B-H: 0.30%

M-1H: 0.75%

M-2H: 1.35%

M-3H: 2.61%

B-H: N/A

ACIS 2013-DN2 (2014-1)

January 2013 - March 2013
$269,485,881

M-1H: $100,736,022

M-2H: $168,749,859

B-H: Fully Retained

3.00%

M-1H: 1.05%

M-2H: 1.65%

B-H: 0.30%

M-1H: 1.36%

M-2H: 4.12%

B-H: N/A

ACIS 2013-DN1 (2013-1)

July 2012 - September 2012
$77,415,009

M-1H: $38,707,505

M-2H: $38,707,505

B-H: Fully Retained

3.00%

M-1H: 1.35%

M-2H: 1.35%

B-H: 0.30%

M-1H: 2.35%

M-2H: 5.35%

B-H: N/A

*All deals prior to March 2019 were based on acquisition funding period, after March 2019 aggregation period is based on PC settlement date.

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