0000882377-05-001180 Sample Contracts

TRUST AGREEMENT
Trust Agreement • May 11th, 2005 • MORTGAGEIT TRUST 2005-2, Mortgage-Backed Notes, Series 2005-2 • Asset-backed securities • Delaware

This Amended and Restated Trust Agreement, dated as of April 27, 2005 (as amended from time to time, this “Trust Agreement”), among MortgageIT Securities Corp., a Delaware corporation, as depositor (the “Depositor”), Wilmington Trust Company, a Delaware banking corporation, as owner trustee (the “Owner Trustee”) and Wells Fargo Bank, National Association, not individually but acting solely as Securities Administrator, as certificate registrar (the “Certificate Registrar”) and as certificate paying agent (in such capacity, the “Certificate Paying Agent”).

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as Issuer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee WELLS FARGO BANK, NATIONAL ASSOCIATION, as Master Servicer and Securities Administrator and MORTGAGEIT HOLDINGS, INC., as Seller and Company
Sale and Servicing Agreement • May 11th, 2005 • MORTGAGEIT TRUST 2005-2, Mortgage-Backed Notes, Series 2005-2 • Asset-backed securities • New York

Sale and Servicing Agreement dated as of April 27, 2005 (the “Agreement”), among MortgageIT Securities Corp., a Delaware corporation, as depositor (the “Depositor”), MortgageIT Trust 2005-2, a Delaware statutory trust, as issuer (the “Issuer”), Deutsche Bank National Trust Company, a national banking association, not in its individual capacity but solely as indenture trustee (the “Indenture Trustee”), Wells Fargo Bank, National Association (“Wells Fargo”), as master servicer (in such capacity, the “Master Servicer”) and as securities administrator (in such capacity, the “Securities Administrator”), and MortgageIT Holdings, Inc., as seller (in such capacity, the “Seller”) and as company (in such capacity, the “Company”).

ADMINISTRATION AGREEMENT
Administration Agreement • May 11th, 2005 • MORTGAGEIT TRUST 2005-2, Mortgage-Backed Notes, Series 2005-2 • Asset-backed securities • New York

This Administration Agreement (the “Agreement”) is entered into as of April 27, 2005, among MORTGAGEIT TRUST 2005-2, a Delaware statutory trust (the “Issuer”), WELLS FARGO BANK, NATIONAL ASSOCIATION, as Administrator (the “Administrator”), WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee (the “Owner Trustee”) and MORTGAGEIT SECURITIES CORP., as Depositor (the “Depositor”).

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