Morgan Stanley Mortgage Loan Trust 2004-11ar Sample Contracts

EXHIBIT 99.1 ------------

Pooling and Servicing Agreement • January 31st, 2005 • Morgan Stanley Mortgage Loan Trust 2004-11ar • Asset-backed securities • New York

• Contract Type
  Pooling and Servicing Agreement
• Filed
  January 31st, 2005
• Company
  Morgan Stanley Mortgage Loan Trust 2004-11ar
• Industry
  Asset-backed securities
• Jurisdiction
  New York