0000882377-07-000051 Sample Contracts

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MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT FIFTH THIRD BANK
Master Mortgage Loan Purchase and Servicing Agreement • January 12th, 2007 • Citigroup Mortgage Loan Trust 2006-Ar7 • Asset-backed securities • New York

This is a MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT (the “Agreement”), dated as of June 1, 2006, by and between Citigroup Global Markets Realty Corp., having an office at 390 Greenwich Street, 6th Floor, New York, New York 10013 (the “Initial Purchaser”, and the Initial Purchaser or the Person, if any, to which the Initial Purchaser has assigned its rights and obligations hereunder as Purchaser with respect to a Mortgage Loan, and each of their respective successors and assigns, the “Purchaser”) and Fifth Third Bank, having an office at 5001 Kingsley Drive, Cincinnati, Ohio 45263 (the “Seller”).

CITIGROUP MORTGAGE LOAN TRUST INC. $934,043,200 (Approximate) Citigroup Mortgage Loan Trust, Series 2006-AR7 Mortgage Pass-Through Certificates UNDERWRITING AGREEMENT
Underwriting Agreement • January 12th, 2007 • Citigroup Mortgage Loan Trust 2006-Ar7 • Asset-backed securities • New York

Citigroup Mortgage Loan Trust Inc. (the “Company”), a Delaware corporation, proposes to issue Citigroup Mortgage Loan Trust, Series 2006-AR7, Mortgage Pass-Through Certificates (the “Certificates”), under a Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of October 1, 2006, among the Company, CitiMortgage, Inc. as master servicer (the “Master Servicer” and “Trust Administrator”), Citibank, N.A. (the

AMENDMENT NUMBER ONE Master Mortgage Loan Purchase and Servicing Agreement dated as of February 1, 2005 by and between CITIMORTGAGE, INC. and CITIGROUP GLOBAL MARKETS REALTY CORP.
Purchase and Servicing Agreement • January 12th, 2007 • Citigroup Mortgage Loan Trust 2006-Ar7 • Asset-backed securities • New York

This AMENDMENT NUMBER ONE is made this 28th day of December, 2005, by and between CitiMortgage, Inc., having an address at 1000 Technology Drive, MS 55, O’Fallon, Missouri 63368 (the “Seller”) and CITIGROUP GLOBAL MARKETS REALTY CORP. having an address at 390 Greenwich Street, New York, New York 10013 (the “Purchaser”), to the Master Mortgage Loan Purchase and Servicing Agreement, dated as of February 1, 2005, by and between the Purchaser and the Seller (the “Agreement”).

CITIGROUP GLOBAL MARKETS REALTY CORP. Owner and WELLS FARGO BANK, N.A. Servicer AMENDED AND RESTATED FLOW SERVICING AGREEMENT Dated as of March 1, 2006 Fixed and Adjustable Rate First and Second Lien Mortgage Loans
Acknowledgment Agreement • January 12th, 2007 • Citigroup Mortgage Loan Trust 2006-Ar7 • Asset-backed securities • New York

This is an Amended and Restated Flow Servicing Agreement for fixed rate and adjustable rate residential first and second lien mortgage loans, dated and effective as of March 1, 2006, and is executed between Citigroup Global Markets Realty Corp., as owner (the "Owner"), and Wells Fargo Bank, N.A., as servicer (the "Servicer").

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