0000882377-05-003543 Sample Contracts

CITIGROUP MORTGAGE LOAN TRUST INC.
Pooling and Servicing Agreement • December 15th, 2005 • Citigroup Mortgage Loan Trust Inc., Series 2005-He4 • Asset-backed securities • New York

This Pooling and Servicing Agreement, is dated and effective as of November 1, 2005, among CITIGROUP MORTGAGE LOAN TRUST INC., as Depositor, OCWEN LOAN SERVICING, LLC, as Servicer, CITIBANK, N.A., as Trust Administrator, and U.S. BANK NATIONAL ASSOCIATION, as Trustee.

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