Exhibit 1.1 STRUCTURED ADJUSTABLE RATE MORTGAGE LOAN TRUST MORTGAGE PASS- THROUGH CERTIFICATES, SERIES 2005-12 TERMS AGREEMENT
Terms Agreement • June 15th, 2005 • Structured Adjustable Rate Mortgage Loan Trust Series 2005-12 • Asset-backed securities
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June 15th, 2005
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To: Structured Asset Securities Corporation, as Depositor under the Trust Agreement dated as of May 1, 2005 (the "Trust Agreement").

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RECITALS
Reconstituted Servicing Agreement • June 15th, 2005 • Structured Adjustable Rate Mortgage Loan Trust Series 2005-12 • Asset-backed securities • New York
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June 15th, 2005
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FLOW SELLER'S WARRANTIES AND SERVICING AGREEMENT
Warranties and Servicing Agreement • June 15th, 2005 • Structured Adjustable Rate Mortgage Loan Trust Series 2005-12 • Asset-backed securities • New York
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June 15th, 2005
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Structured Adjustable Rate Mortgage Loan Trust Series 2005-12 Sample Contracts

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