Exhibit 99.1b
ANNUAL CERTIFICATION
Re: Pursuant to the Pooling and Servicing Agreement for Asset-Backed Pass
Through Certificates Series 2005-HE1 (the "Servicing Agreement"), dated as
of May 1, 2005, between Citigroup Mortgage Loan Trust Inc. (the "Depositor"),
U.S. Bank National Association (the "Trustee"), CitiMortgage, Inc.
(the "Master Servicer") and HomEq Servicing Corporation as servicer
(the "Servicer")
I, Xxxxxx X. Xxxx, President of the Servicer, hereby certify to Depositor and
the Trustee, the Master Servicer and their officers, directors and affiliates,
and with the knowledge and intent that they will rely upon this certification,
that:
A review of the activities of the Servicer during the 2005 calendar year
and the Servicer's performance under the Servicing Agreement has been made
under my supervision, the Servicer has complied with the Servicing Agreement
in all material respects and, to the best of my knowledge, based on such
review, the Servicer has materially fulfilled all of its obligations under the
Servicing Agreement throughout such calendar year.
Date: March 15, 2006
/s/ Xxxxxx X. Xxxx
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President
