Citigroup Mortgage Loan Trust 2006-Ar6 Sample Contracts

CITIGROUP MORTGAGE LOAN TRUST INC. $1,458,660,100 (Approximate) Citigroup Mortgage Loan Trust, Series 2006-AR6 Mortgage Pass-Through Certificates UNDERWRITING AGREEMENT
Underwriting Agreement • October 26th, 2006 • Citigroup Mortgage Loan Trust 2006-Ar6 • Asset-backed securities • New York

Citigroup Mortgage Loan Trust Inc. (the “Company”), a Delaware corporation, proposes to issue Citigroup Mortgage Loan Trust, Series 2006-AR6, Mortgage Pass-Through Certificates (the “Certificates”), under a Pooling and Servicing Agreement (the “Pooling and Servicing Agreement”), dated as of August 1, 2006, among the Company, CitiMortgage, Inc. as master servicer (the “Master Servicer” and “Trust Administrator”), Citibank, N.A. (the Paying Agent, Certificate Registrar and Authenticating Agent”) and U.S. Bank National Association as trustee (the “Trustee”), and proposes to sell the Registered Certificates (as defined below) to the underwriters named in Schedule II hereto (the “Underwriters”), for whom you are acting as representative (the “Representative”). If the firm or firms listed in Schedule II hereto include only Citigroup Global Markets Inc., then the terms “Underwriters” and “Representative,” as used herein, shall each be deemed to refer to Citigroup Global Markets Inc. The Certi

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MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT
Master Mortgage Loan Purchase and Servicing Agreement • October 26th, 2006 • Citigroup Mortgage Loan Trust 2006-Ar6 • 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 HomeBanc Mortgage Corporation, having an office at 2002 Summit Boulevard, Suite 100, Atlanta, Georgia 30319 (the “Seller”).

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
Flow Servicing Agreement • October 26th, 2006 • Citigroup Mortgage Loan Trust 2006-Ar6 • 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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