0001068238-05-000422 Sample Contracts

CREDIT SUISSE FIRST BOSTON MORTGAGE ACCEPTANCE CORP. as Depositor and WILMINGTON TRUST COMPANY as Owner Trustee TRUST AGREEMENT Dated as of June 3, 2005 Irwin Whole Loan Home Equity Trust 2005-B
Trust Agreement • June 23rd, 2005 • Irwin Whole Loan Home Equity Trust 2005-B • Asset-backed securities • Delaware

This Trust Agreement, dated as of June 3, 2005 (as may be amended, modified or supplemented and in effect from time to time, this “Trust Agreement”), between CREDIT SUISSE FIRST BOSTON MORTGAGE ACCEPTANCE CORP., a Delaware corporation, as depositor (the “Depositor”) and WILMINGTON TRUST COMPANY, a Delaware banking corporation, as owner trustee (the “Owner Trustee”),

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LOAN PURCHASE AGREEMENT
Loan Purchase Agreement • June 23rd, 2005 • Irwin Whole Loan Home Equity Trust 2005-B • Asset-backed securities • New York
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IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-B Issuer and Indenture Trustee INDENTURE Dated as of June 3, 2005 HOME EQUITY LOAN-BACKED NOTES, SERIES 2005-B
Irwin Whole Loan Home Equity Trust 2005-B • June 23rd, 2005 • Asset-backed securities • New York
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IRWIN UNION BANK AND TRUST COMPANY, as Servicer IRWIN WHOLE LOAN HOME EQUITY TRUST 2005-B, as Issuer and as Indenture Trustee SERVICING AGREEMENT Dated as of May 1, 2005
Servicing Agreement • June 23rd, 2005 • Irwin Whole Loan Home Equity Trust 2005-B • Asset-backed securities • New York
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