0001162318-05-000763 Sample Contracts

TRUST AGREEMENT among HMB ACCEPTANCE CORP., as Depositor, WILMINGTON TRUST COMPANY, as Owner Trustee and WELLS FARGO BANK, N.A., as Securities Administrator Dated as of August 1, 2005 HOMEBANC MORTGAGE TRUST 2005-4 Mortgage Backed Notes
Trust Agreement • September 14th, 2005 • HomeBanc Mortgage Trust 2005-4 • Asset-backed securities • Delaware

This TRUST AGREEMENT dated as of August 1, 2005, is by and among HMB ACCEPTANCE CORP., a Delaware corporation (the “Depositor”), WILMINGTON TRUST COMPANY, a Delaware banking corporation, as owner trustee (the “Owner Trustee”) and WELLS FARGO BANK, N.A., a national banking association, as securities administrator (the “Securities Administrator”).

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ADMINISTRATION AGREEMENT among HOMEBANC MORTGAGE TRUST 2005-4, as Issuer as Indenture Trustee, WELLS FARGO BANK, N.A., as Securities Administrator WILMINGTON TRUST COMPANY, as Owner Trustee and HMB ACCEPTANCE CORP., as Depositor Dated as of August 1, 2005
Administration Agreement • September 14th, 2005 • HomeBanc Mortgage Trust 2005-4 • Asset-backed securities • New York

This Administration Agreement (the “Agreement”) is entered into as of August 1, 2005, among HOMEBANC MORTGAGE TRUST 2005-4, a Delaware statutory trust (the “Issuer”), U.S. BANK NATIONAL ASSOCIATION, a national banking association, not in its individual capacity but solely as indenture trustee (the “Indenture Trustee”), WELLS FARGO BANK, N.A., a national banking association, not in its individual capacity but solely as securities administrator (the “Securities Administrator”), WILMINGTON TRUST COMPANY, not in its individual capacity but solely as owner trustee of the Issuer (the “Owner Trustee”), and HMB ACCEPTANCE CORP., as depositor (the “Depositor”).

MASTER AGREEMENT
Master Agreement • September 14th, 2005 • HomeBanc Mortgage Trust 2005-4 • Asset-backed securities • New York

have entered and/or anticipate entering into one of more transactions (each a "Transaction") that are or will be governed by this Master Agreement, which includes the schedule (the "Schedule"), and the documents and other confirming evidence (each a "Confirmation") exchanged between the parties confirming those Transactions. Accordingly, the parties agree as follows: —

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