0000882377-06-000728 Sample Contracts

SUBSEQUENT TRANSFER AGREEMENT
Subsequent Transfer Agreement • March 9th, 2006 • Home Loan Mortgage Loan Trust 2005-1 • Asset-backed securities • New York

SUBSEQUENT TRANSFER AGREEMENT (the “Agreement”), dated as of February 23, 2006, by and between Ocean Bank, F.S.B. (the “Seller”) and Home Loan Mortgage Loan Trust 2005-1 (the “Trust”), pursuant to the Pooling and Servicing Agreement referred to below.

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