Home Equity Mortgage Loan Asset Backed Trust Series 2005-A Sample Contracts

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EXHIBIT 99.1
Home Equity Mortgage Loan Asset Backed Trust Series 2005-A • April 27th, 2005 • Asset-backed securities • New York
POOLING AND SERVICING AGREEMENT Dated as of March 1, 2005
Pooling and Servicing Agreement • March 28th, 2005 • Home Equity Mortgage Loan Asset Backed Trust Series 2005-A • Asset-backed securities • New York

This Agreement may also be amended from time to time by the Depositor, the Master Servicer, and the Trustee with the consent of the NIM Insurer and the Holders of Certificates evidencing Percentage Interests aggregating not less than 662/3% of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of Certificates. No amendment shall:

AMENDMENT NO. 1 to the POOLING AND SERVICING AGREEMENT dated as of March 1, 2005
Pooling and Servicing Agreement • May 27th, 2005 • Home Equity Mortgage Loan Asset Backed Trust Series 2005-A • Asset-backed securities • New York

This AMENDMENT NO. 1, dated and effective as of May 10, 2005 (this “Amendment”), among INDYMAC ABS, INC. (the “Depositor”), INDYMAC BANK, F.S.B. (the “Seller” and the “Servicer”) as applicable and DEUTSCHE BANK NATIONAL TRUST COMPANY (the “Trustee”), to the Pooling and Servicing Agreement relating to the above-captioned Certificates, dated as of March 1, 2005 (the “Pooling and Servicing Agreement”), among the Depositor, the Seller, the Servicer and the Trustee.

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