0001193125-05-088856 Sample Contracts

AMENDED AND RESTATED TRUST AGREEMENT dated as of , 200 by and among ACCREDITED HOME LENDERS, INC., as Sponsor, ACCREDITED MORTGAGE LOAN REIT TRUST as Seller, and as Owner Trustee ACCREDITED MORTGAGE LOAN TRUST 200 - Asset-Backed Notes, Series 200 -
Trust Agreement • April 28th, 2005 • Accredited Mortgage Loan REIT Trust • Real estate investment trusts • Delaware

This AMENDED AND RESTATED TRUST AGREEMENT, dated as of , 200 , is among ACCREDITED HOME LENDERS, INC., as sponsor (the “Sponsor”), ACCREDITED MORTGAGE LOAN REIT TRUST, a Maryland real estate investment trust, as seller (the “Seller”) and , a national banking association, as owner trustee (the “Owner Trustee”).

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SALE AND SERVICING AGREEMENT dated as of , 20 by and among ACCREDITED MORTGAGE LOAN REIT TRUST, as Seller, ACCREDITED HOME LENDERS, INC., as Sponsor and Servicer, ACCREDITED MORTGAGE LOAN TRUST 200 - , as Issuer, and as Indenture Trustee
Sale and Servicing Agreement • April 28th, 2005 • Accredited Mortgage Loan REIT Trust • Real estate investment trusts • New York

SALE AND SERVICING AGREEMENT, dated as of , 20 (this “Agreement”), by and among ACCREDITED MORTGAGE LOAN REIT TRUST, a Maryland real estate investment trust, as seller (the “Seller”), ACCREDITED HOME LENDERS, INC., a California corporation, as sponsor (the “Sponsor”), ACCREDITED MORTGAGE LOAN TRUST 200 - , a Delaware statutory trust, as issuer (the “Trust”), ACCREDITED HOME LENDERS, INC., a California corporation, as servicer (the “Servicer”), and , a national banking association, as indenture trustee (the “Indenture Trustee”).

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