0000882377-05-001892 Sample Contracts

CITIGROUP MORTGAGE LOAN TRUST INC.
Pooling and Servicing Agreement • July 25th, 2005 • Citigroup Mortgage Loan Trust, Series 2005-Opt3 • Asset-backed securities • New York

This Pooling and Servicing Agreement, is dated and effective as of July 1, 2005, among CITIGROUP MORTGAGE LOAN TRUST INC. as Depositor, OPTION ONE MORTGAGE CORPORATION as Servicer and DEUTSCHE BANK NATIONAL TRUST COMPANY as Trustee.

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