Document:

Mortgage Loan Purchase Agreement

EXECUTION COPY

GREENWICH CAPITAL ACCEPTANCE, INC.,

as Purchaser

and

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,

as Seller

MORTGAGE LOAN PURCHASE AGREEMENT

Dated as of October 1, 2005

Fixed Rate Mortgage Loans

Harborview Mortgage Loan Trust 2005-14

Mortgage Loan Pass-Through Certificates, Series 2005-14

Table of Contents

Page

ARTICLE I 

DEFINITIONS AND SCHEDULES

1

Section 1.01.

Definitions

1

ARTICLE II

SALE OF MORTGAGE LOANS; PAYMENT OF PURCHASE PRICE

2

Section 2.01.

Sale of Mortgage Loans; Assignment of the Servicing

Agreements

2

Section 2.02.

Obligations of the Seller Upon Sale and Assignment

3

Section 2.03.

Payment of Purchase Price for the Mortgage Loans

4

ARTICLE III 

REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH

4

Section 3.02.

Seller’s Representations and Warranties

4

Section 3.03.

Remedies for Breach of Representations and Warranties

5

ARTICLE IV 

SELLER’S COVENANTS

6

Section 4.01.

Covenants of the Seller

6

ARTICLE V 

[RESERVED]

6

ARTICLE VI 

TERMINATION

6

Section 6.01.

Termination

6

ARTICLE VII 

MISCELLANEOUS PROVISIONS

6

Section 7.01.

Amendment

6

Section 7.02.

Governing Law

6

Section 7.03.

Notices

6

Section 7.04.

Severability of Provisions

7

Section 7.05.

Counterparts

7

Section 7.06.

Further Agreements

7

Section 7.07.

Intention of the Parties

8

Section 7.08.

Successors and Assigns: Assignment of Purchase 

Agreement

8

Section 7.09.

Survival

8

Schedule I:

Mortgage Loan Schedule

Schedule II:

List of Servicing Agreements

THIS MORTGAGE LOAN PURCHASE AGREEMENT, dated as of October 1, 2005 (the “Agreement”), is made and entered into between Greenwich Capital Financial Products, Inc. (the “Seller”) and Greenwich Capital Acceptance, Inc. (the “Purchaser”).

W I T N E S S E T H

WHEREAS, the Seller is the owner of the notes or other evidence of indebtedness (the “Mortgage Notes”) so indicated on Schedule I hereto referred to below, and the other documents or instruments constituting the Mortgage File (collectively, the “Mortgage Loans”); and

WHEREAS, the Seller is a party to the servicing agreements identified on Schedule II (each, a “Servicing Agreement” and together, the “Servicing Agreements”), and certain of the Mortgage Loans are currently being serviced thereunder by the servicers identified therein; and

WHEREAS, the Seller, as of the date hereof, owns the mortgages or deeds of trust (the “Mortgages”) on the properties (the “Mortgaged Properties”) securing such Mortgage Loans, including rights to (a) any property acquired by foreclosure or deed in lieu of foreclosure or otherwise and (b) the proceeds of any insurance policies covering the Mortgage Loans or the Mortgaged Properties or the obligors on the Mortgage Loans; and

WHEREAS, the parties hereto desire that the Seller sell the Mortgage Loans, including the Mortgages, and assign the Seller’s rights under the Servicing Agreements to the Purchaser pursuant to the terms of this Agreement; and

WHEREAS, pursuant to the terms of that certain Pooling and Servicing Agreement dated as of October 1, 2005 (the “Pooling and Servicing Agreement”), among the Purchaser, as depositor, the Seller, as seller, Wells Fargo Bank, N.A., as master servicer (the “Master Servicer”) and as securities administrator, and Deutsche Bank National Trust Company, as trustee (in such capacity, the “Trustee”) and custodian, the Purchaser will convey the Mortgage Loans to the Trustee.

NOW, THEREFORE, in consideration of the mutual covenants herein contained, the parties hereto agree as follows:

ARTICLE I

DEFINITIONS AND SCHEDULES

Section 1.01.

Definitions.  

“Assignment Agreements”:  Each of the assignment and recognition agreements identified on Schedule III attached hereto.

“Reserved Rights”:  With respect to each Mortgage Loan, any rights identified in the related Assignment Agreement as being reserved by Greenwich Capital Financial Products, Inc. and not assigned to Greenwich Capital Acceptance, Inc. pursuant to such Assignment Agreement. 

“Servicing Fee”:  With respect to each Servicer and each Mortgage Loan serviced by such Servicer and for any calendar month, the fee payable to such Servicer determined pursuant to the related Servicing Agreement.

“Servicing Rights”: With respect to any Mortgage Loan, shall mean any and all of the following: (a) the right to terminate the SRO Servicer (as defined in the Pooling Agreement) as servicer of such Mortgage Loan, with or without cause, subject to Section 3.03 of the Pooling Agreement; (b) the right to transfer the Servicing Rights and/or all servicing obligations with respect to such Mortgage Loan, subject to Section 3.03 of the Pooling Agreement; (c) the right to the Servicing Fee, less an amount to be retained by the SRO Servicer, as its servicing compensation as agreed to by the SRO Owner and the SRO Servicer and (d) powers and privileges incident to any of the foregoing.. 

“SRO Mortgage Loans”:  Each Mortgage Loan identified as such on the Mortgage Loan Schedule.

“SRO Servicer”:  GMAC Mortgage Corporation (“GMACM”) in its capacity as Servicer of the SRO Mortgage Loans.

Any capitalized term used but not defined herein and below shall have the meaning assigned thereto in the Pooling and Servicing Agreement or the Prospectus Supplement dated October 25, 2005 (the “Prospectus Supplement”), as applicable.

ARTICLE II

SALE OF MORTGAGE LOANS; PAYMENT OF PURCHASE PRICE

Section 2.01.

Sale of Mortgage Loans; Assignment of the Servicing Agreements.  The Seller, concurrently with the execution and delivery of this Agreement, does hereby sell, assign, set over, and otherwise convey to the Purchaser, without recourse, all of its right, title and interest in, to and under (i) each Mortgage Loan, including the related Cut-Off Date Principal Balance, all interest due thereon after the Cut-Off Date and all collections in respect of interest and principal due after the Cut-Off Date (and all principal received before the Cut-Off Date to the extent such principal relates to a Monthly Payment due after the Cut-Off Date) (other than (a) with respect to the SRO Mortgage Loans, the Servicing Rights with respect to such SRO Mortgage Loans and (b) with respect to any Mortgage Loan, the Reserved Rights with respect to such Mortgage Loan); (ii) property which secured such Mortgage Loan and which has been acquired by foreclosure or deed in lieu of foreclosure; (iii) its interest in any insurance policies in respect of the Mortgage Loans and (iv) all proceeds of any of the foregoing.

Concurrently with the execution and delivery of this Agreement, the Seller hereby assigns to the Purchaser all of its rights and interest (but none of its obligations) under each Servicing Agreement  and Assignment Agreement (other than (a) with respect to the SRO Mortgage Loans, the Servicing Rights with respect to such SRO Mortgage Loans and (b) with respect to any Mortgage Loan, the Reserved Rights with respect to such Mortgage Loan) to the extent relating to the Mortgage Loans.  The Purchaser hereby accepts such assignment, and shall be entitled to exercise all such rights of the Seller under each Servicing Agreement and Assignment Agreement as if the Purchaser had been a party to each such agreement.

Section 2.02.

Obligations of the Seller Upon Sale and Assignment.  In connection with the transfer pursuant to Section 2.01 hereof, the Seller further agrees, at its own expense, on or prior to the Closing Date, (a) to indicate in its books and records that the Mortgage Loans have been sold to the Purchaser pursuant to this Agreement and (b) to deliver to the Purchaser and the Trustee a computer file containing a true and complete list of all such Mortgage Loans specifying for each such Mortgage Loan, as of the Cut-Off Date, (i) its account number and (ii) the Cut-Off Date Principal Balance and such file, which forms a part of Schedule A to the Pooling and Servicing Agreement, shall also be marked as Schedule I to this Agreement and is hereby incorporated into and made a part of this Agreement.

In connection with such conveyance by the Seller, the Seller shall on behalf of the Purchaser deliver to, and deposit with the Trustee (or a custodian as its designated agent), as assignee of the Purchaser, on or before the Closing Date, the documents described in Section 2.01 of the Pooling and Servicing Agreement including, but not limited to, the Servicing Agreements.

The Seller hereby confirms to the Purchaser and the Trustee that it has made the appropriate entries in its general accounting records, to indicate that the Mortgage Loans have been transferred to the Trustee, or a custodian appointed pursuant to the Pooling and Servicing Agreement to act on behalf of the Trustee, and that the Mortgage Loans constitute part of the Trust in accordance with the terms of the Pooling and Servicing Agreement.

The Purchaser hereby acknowledges its acceptance of all right, title and interest in, to and under the Mortgage Loans and other property, and its rights under the Servicing Agreements, now existing or hereafter created, conveyed to it pursuant to Section 2.01 hereof.

The parties hereto intend that the transaction set forth herein be a non-recourse sale by the Seller to the Purchaser of all of the Seller’s right, title and interest in, to and under the Mortgage Loans and other property described in Section 2.01. Nonetheless, in the event the transaction set forth herein is deemed not to be a sale, the Seller hereby grants to the Purchaser a security interest in all of the Seller’s right, title and interest in, to and under the Mortgage Loans and other property described in Section 2.01, whether now existing or hereafter created, to secure all of the Seller’s obligations hereunder; and this Agreement shall constitute a security agreement under applicable law.  The Seller and the Purchaser shall, to the extent consistent with this Agreement, take such actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans, such security interest would be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of the Pooling and Servicing Agreement.

Section 2.03.

Payment of Purchase Price for the Mortgage Loans.  In consideration of the sale of the Mortgage Loans from the Seller to the Purchaser on the Closing Date, the Purchaser agrees to pay to the Seller on the Closing Date by transfer of immediately available funds, an amount equal to $910,859,580.91 (which amount includes accrued interest) (the “Purchase Price”).  The Seller shall pay, and be billed directly for, all reasonable expenses incurred by the Purchaser in connection with the issuance of the Certificates, including, without limitation, printing fees incurred in connection with the Prospectus Supplement and the Private Placement Memorandum relating to the Certificates, fees and expenses of Purchaser’s counsel, fees of the rating agencies requested to rate the Certificates, accountant’s fees and expenses and other out-of-pocket costs, if any.

ARTICLE III

REPRESENTATIONS AND WARRANTIES; REMEDIES FOR BREACH

Section 3.01.

Reserved.

Section 3.02.

Seller’s Representations and Warranties.  The Seller represents, warrants and covenants to the Purchaser as of the Closing Date or as of such other date specifically provided herein:

(i)

the Seller is duly organized, validly existing and in good standing as a corporation under the laws of the State of Delaware and is and will remain in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to fulfill its obligations hereunder;

(ii)

the Seller has the power and authority to hold each Mortgage Loan, to sell each Mortgage Loan, to execute, deliver and perform, and to enter into and consummate, all transactions contemplated by this Agreement. The Seller has duly authorized the execution, delivery and performance of this Agreement, has duly executed and delivered this Agreement and this Agreement, and assuming due authorization, execution and delivery by the Purchaser, constitutes a legal, valid and binding obligation of the Seller, enforceable against it in accordance with its terms except as the enforceability thereof may be limited by bankruptcy, insolvency or reorganization or other similar laws in relation to the rights of creditors generally;

(iii)

the execution and delivery of this Agreement by the Seller and the performance of and compliance with the terms of this Agreement will not violate the Seller’s articles of incorporation or by-laws or constitute a default under or result in a material breach or acceleration of, any material contract, agreement or other instrument to which the Seller is a party or which may be applicable to the Seller or its assets;

(iv)

the Seller is not in violation of, and the execution and delivery of this Agreement by the Seller and its performance and compliance with the terms of this Agreement will not constitute a violation with respect to, any order or decree of any court or any order or regulation of any federal, state, municipal or governmental agency having jurisdiction over the Seller or its assets, which violation might have consequences that would materially and adversely affect the condition (financial or otherwise) or the operation of the Seller or its assets or might have consequences that would materially and adversely affect the performance of its obligations and duties hereunder;

(v)

the Seller does not believe, nor does it have any reason or cause to believe, that it cannot perform each and every covenant contained in this Agreement;

(vi)

the Seller has good, marketable and indefeasible title to the Mortgage Loans, free and clear of any and all liens, pledges, charges or security interests of any nature encumbering the Mortgage Loans and upon the payment of the Purchase Price by the Purchaser, the Purchaser will have good and marketable title to the Mortgage Notes and Mortgage Loans, free and clear of all liens or encumbrances;

(vii)

the Mortgage Loans are not being transferred by the Seller with any intent to hinder, delay or defraud any creditors of the Seller;

(viii)

there are no actions or proceedings against, or investigations known to it of, the Seller before any court, administrative or other tribunal (A) that might prohibit its entering into this Agreement, (B) seeking to prevent the sale of the Mortgage Loans or the consummation of the transactions contemplated by this Agreement or (C) that might prohibit or materially and adversely affect the performance by the Seller of its obligations under, or validity or enforceability of, this Agreement;

(ix)

no consent, approval, authorization or order of any court or governmental agency or body is required for the execution, delivery and performance by the Seller of, or compliance by the Seller with, this Agreement or the consummation of the transactions contemplated by this Agreement, except for such consents, approvals, authorizations or orders, if any, that have been obtained; and

(x)

the consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Seller, and the transfer, assignment and conveyance of the Mortgage Notes and the Mortgages by the Seller pursuant to this Agreement are not subject to the bulk transfer or any similar statutory provisions.

Section 3.03.

Remedies for Breach of Representations and Warranties.  It is understood and agreed that (i) the representations and warranties set forth in Section 3.02 shall survive the sale of the Mortgage Loans to the Purchaser and shall inure to the benefit of the Purchaser and the Trustee, notwithstanding any restrictive or qualified endorsement on any Mortgage Note or Assignment or the examination or lack of examination of any Mortgage File and (ii) the remedies for the breach of such representations and warranties and for the failure to deliver the documents referred to in Section 2.02 hereof shall be as set forth in Section 2.03 of the Pooling and Servicing Agreement.

ARTICLE IV

SELLER’S COVENANTS

Section 4.01.

Covenants of the Seller.  The Seller hereby covenants that, except for the transfer hereunder, it will not sell, pledge, assign or transfer to any other Person, or grant, create, incur, assume or suffer to exist any Lien on any Mortgage Loan, or any interest therein; it will notify the Trustee, as assignee of the Purchaser, of the existence of any Lien on any Mortgage Loan immediately upon discovery thereof; and it will defend the right, title and interest of the Trust, as assignee of the Purchaser, in, to and under the Mortgage Loans, against all claims of third parties claiming through or under the Seller; provided, however, that nothing in this Section 4.01 shall prevent or be deemed to prohibit the Seller from suffering to exist upon any of the Mortgage Loans any Liens for municipal or other local taxes and other governmental charges if such taxes or governmental charges shall not at the time be due and payable or if the Seller shall currently be contesting the validity thereof in good faith by appropriate proceedings and shall have set aside on its books adequate reserves with respect thereto.

ARTICLE V

[RESERVED]

ARTICLE VI

TERMINATION

Section 6.01.

Termination.  The respective obligations and responsibilities of the Seller and the Purchaser created hereby shall terminate, except for the Seller’s indemnity obligations as provided herein, upon the termination of the Trust as provided in Article X of the Pooling and Servicing Agreement.

ARTICLE VII

MISCELLANEOUS PROVISIONS

Section 7.01.

Amendment.  This Agreement may be amended from time to time by the Seller and the Purchaser by written agreement signed by the parties hereto.

Section 7.02.

Governing Law.  This Agreement shall be governed by and construed in accordance with the laws of the State of New York, without reference to its conflict of law provisions (other than Section 5-1401 of the General Obligations Law), and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws.

Section 7.03.

Notices.  All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, addressed as follows:

if to the Seller:

Greenwich Capital Financial Products, Inc.

600 Steamboat Road

Greenwich, Connecticut  06830

Attention:  Legal Department

or such other address as may hereafter be furnished to the Purchaser in writing by the Seller.

if to the Purchaser:

Greenwich Capital Acceptance, Inc.

600 Steamboat Road

Greenwich, Connecticut  06830

Attention:  Legal Department

or such other address as may hereafter be furnished to Greenwich Capital Financial Products, Inc. in writing by the Purchaser.

Section 7.04.

Severability of Provisions.  If any one or more of the covenants, agreements, provisions of terms of this Agreement shall be held invalid for any reason whatsoever, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity of enforceability of the other provisions of this Agreement.

Section 7.05.

Counterparts.  This Agreement may be executed in one or more counterparts and by the different parties hereto on separate counterparts, which may be transmitted by telecopier each of which, when so executed, shall be deemed to be an original and such counterparts, together, shall constitute one and the same agreement.

Section 7.06.

Further Agreements.  The parties hereto each agree to execute and deliver to the other such additional documents, instruments or agreements as may be necessary or reasonable and appropriate to effectuate the purposes of this Agreement or in connection with the issuance of the Certificates representing interests in the Trust Fund, including the Mortgage Loans.

Without limiting the generality of the foregoing, as a further inducement for the Purchaser to purchase the Mortgage Loans from the Seller, the Seller will cooperate with the Purchaser in connection with the sale of the Certificates.  In that connection, the Seller will provide to the Purchaser any and all information and appropriate verification of information, whether through letters of its auditors and counsel or otherwise, as the Purchaser shall reasonably request and will provide to the Purchaser such additional representations and warranties, covenants, opinions of counsel, letters from auditors, and certificates of public officials or officers of the Seller as are reasonably required in connection with the offering of the Certificates.

Section 7.07.

Intention of the Parties.  It is the intention of the parties that the Purchaser is purchasing, and the Seller is selling, the Mortgage Loans rather than pledging such Mortgage Loans to secure a loan by the Purchaser to the Seller.  Accordingly, the parties hereto each intend to treat the transaction as a sale by the Seller, and a purchase by the Purchaser, of the Mortgage Loans.  The Purchaser will have the right to review the Mortgage Loans and the related Mortgage Files to determine the characteristics of the Mortgage Loans which will affect the Federal income tax consequences of owning the Mortgage Loans and the Seller will cooperate with all reasonable requests made by the Purchaser in the course of such review.

Section 7.08.

Successors and Assigns: Assignment of Purchase Agreement.  This Agreement shall bind and inure to the benefit of and be enforceable by the Seller, the Purchaser and the Trustee.  The obligations of the Seller under this Agreement cannot be assigned or delegated to a third party without the consent of the Purchaser which consent shall be at the Purchaser’s sole discretion, except that the Purchaser acknowledges and agrees that the Seller may assign its obligations hereunder to any Person into which the Seller is merged or any corporation resulting from any merger, conversion or consolidation to which the Seller is a party or any Person succeeding to the business of the Seller.  The parties hereto acknowledge that the Purchaser is acquiring the Mortgage Loans and the rights of the Seller under the Servicing Agreements for the purpose of contributing them to a trust that will issue the Certificates representing undivided interests in such Mortgage Loans.  As an inducement to the Purchaser to purchase the Mortgage Loans, the Seller acknowledges and consents to the assignment by the Purchaser to the Trustee of all of the Purchaser’s rights against the Seller pursuant to this Agreement insofar as such rights relate to Mortgage Loans transferred to the Trustee and to the enforcement or exercise of any right or remedy against the Seller pursuant to this Agreement by the Trustee.  Such enforcement of a right or remedy by the Trustee shall have the same force and effect as if the right or remedy had been enforced or exercised by the Purchaser directly.

Section 7.09.

Survival.  The representations and warranties set forth in Section 3.02 hereof shall survive the purchase of the Mortgage Loans hereunder.

IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names to be signed to this Mortgage Loan Purchase Agreement by their respective officers thereunto duly authorized as of the day and year first above written.

GREENWICH CAPITAL ACCEPTANCE, INC.,

as Purchaser

By:

/s/ Shakti Radhakishun

Name: Shakti Radhakishun

Title:   Senior Vice President

GREENWICH CAPITAL FINANCIAL PRODUCTS, INC.,

as Seller

By:

/s/ Shakti Radhakishun

Name: Shakti Radhakishun

Title:   Senior Vice President

STATE OF Connecticut

)

)

ss.:

COUNTY OF Fairfield

)

On the 31st day of October 2005 before me, a Notary Public in and for said State, personally appeared Shakti Radhakishun, known to me to be a Senior Vice President of GREENWICH CAPITAL ACCEPTANCE, INC., the corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

/s/ Kimberly J. Donnelly

Notary Public

My Commission Expires on  6/30/09

STATE OF Connecticut

)

)

ss.:

COUNTY OF Fairfield

)

On the 31st day of October 2005 before me, a Notary Public in and for said State, personally appeared Shakti Radhakishun, known to me to be a Senior Vice President GREENWICH CAPITAL FINANCIAL PRODUCTS, INC., the company that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument.

IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written.

/s/ Kimberly J. Donnelly

Notary Public

My Commission Expires on  6/30/09

SCHEDULE I

MORTGAGE LOAN SCHEDULE

[See Schedule I to Pooling and Servicing Agreement]

SCHEDULE II

LIST OF SERVICING AGREEMENTS

1.

Amended and Restated Master Mortgage Loan Purchase and Servicing Agreement, dated as of June 1, 2005 between Greenwich Capital Financial Products, Inc., as owner and National City Mortgage Co., as servicer, as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of October 1, 2005, between Greenwich Capital Financial Products, Inc. and National City Mortgage Co., and acknowledged by Wells Fargo Bank, N.A., as master servicer, and Deutsche Bank National Trust Company, as trustee.

2.

Master Mortgage Loan Purchase and Servicing Agreement, dated as of March 1, 2004, as amended by that certain Amendment Number One, dated as of July 1, 2004, and as amended by that certain Amendment Number Two, dated as of July 27, 2004, and as amended by that certain Amendment Number Three, dated as of September 23, 2005, as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of October 1, 2005, among Greenwich Capital Financial Products, Inc., and Downey Savings and Loan Association, F.A. and acknowledged by Wells Fargo Bank, N.A., as master servicer, and Deutsche Bank National Trust Company, as trustee.

3.

Master Mortgage Loan Purchase and Interim Servicing Agreement, dated as of September 1, 2004, as amended by that certain Amendment Number One dated as of October 28, 2004, and as amended by that certain Amendment Number Two, dated as of September 23, 2005 between Greenwich Capital Financial Products, Inc., as owner and Downey Savings and Loan Association, F.A., as servicer, as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of October 1, 2005, between Greenwich Capital Financial Products, Inc. and Downey Savings and Loan Association, F.A., and acknowledged by Wells Fargo Bank, N.A., as master servicer, and Deutsche Bank National Trust Company, as trustee.

4.

Mortgage Loan Servicing Agreement, dated as of February 1, 2003 between Greenwich Capital Financial Products, Inc., as initial purchaser, and Mellon Trust of New England, National Association (f/k/a Boston Safe Deposit and Trust Company), as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of October 1, 2005, between Greenwich Capital Financial Products, Inc. and Mellon Trust of New England National Association, and acknowledged by Wells Fargo Bank, N.A., as master servicer, and Deutsche Bank National Trust Company, as trustee.

5.

Master Mortgage Loan Purchase and Servicing Agreement, dated as of April 1, 2003, as amended by that certain Amendment Number One, dated as of November 1, 2004 between Greenwich Capital Financial Products, Inc., as owner, and Countrywide Home Loans, Inc., as servicer, as reconstituted pursuant to a Reconstituted Servicing Agreement, dated as of October 1, 2005, between Greenwich Capital Financial Products, Inc. and Countrywide Home Loans, Inc., and acknowledged by Wells Fargo Bank, N.A., as master servicer, and Deutsche Bank National Trust Company, as trustee.

SCHEDULE III

LIST OF ASSIGNMENT AGREEMENTS

1.

Assignment and Recognition Agreement, dated as of October 31, 2005, among Greenwich Capital Financial Products, Inc., as assignee, Greenwich Capital Acceptance, Inc., as assignor, and Mellon Trust of New England, National Association, as company.

2.

Assignment and Recognition Agreement, dated as of October 31, 2005, among Greenwich Capital Financial Products, Inc., as assignee, Greenwich Capital Acceptance, Inc., as assignor, and National City Mortgage Co., as company.Exhibit 10.1

                              CONSULTING AGREEMENT

THIS AGREEMENT (the "Agreement") is made as of this 6th day of September, 2005
between American Soil Technologies, Inc., a Nevada corporation, with its
principal place of business located in Pacoima, California (the "Company") and
Telperion Business Consultants, LLC, a Nevada limited liability company (the
"Consultant"), hereinafter collectively referred to as the "Parties".

In consideration of the mutual promises and covenants set forth below, and other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the Parties hereto, intending to be legally bound hereby agree as
follows:

1. Engagement The Company hereby engages the Consultant, and the Consultant
accepts engagement by the Company upon the terms and conditions set forth in
this Agreement.

2. Term The term of this Agreement shall begin on the date hereof and shall
continue for 180 days. At which time the Company and the Consultant upon mutual
agreement can extend the contract for another term. This Agreement may be
cancelled by either party with 30 days written notice after the first 60 days of
this Agreement.

3. Consulting Services Compensation

(a) The Company shall pay to the Consultant, as compensation for its services
under this Agreement, $1,000 upon the full execution of this Agreement and
$5,000 per month. This monthly payment will be accrued until such time as a
financing is completed by the Company. In addition, 100,000 shares of common
stock of the Company stock will be issued by the Company to the consultant
according to the following schedule: (i) 50,000 shares upon the full execution
of this Agreement; and (ii) 50,000 shares upon the close of the Company's next
financing.

(b) The Company may, in the future, provide the Consultant with additional
compensation if the Company and the Consultant mutually agree for any additional
services by the Consultant.

4. Duties From time to time, as reasonably requested by the Company, the
Consultant agrees to perform consulting services related to business
introductions, strategic planning, and assisting the Company's management in
developing and implementing the Company's investor relations/public relations
plan.

5. Nature of Engagement The Company is engaging the Consultant as an independent
contractor. Nothing in this Agreement shall be construed to create an

                                       1
<PAGE>
employer-employee relationship between the parties. The services to be provided
will not be in connection with the offer or sale of securities or any other
capital-raising transaction.

6. Expenses Upon receipt of requests from the Consultant for reimbursement, the
Company shall reimburse the Consultant for all reasonable and necessary expenses
the Consultant incurs in performing its duties in connection with this
Agreement. The Consultant shall be required to receive authorization from the
Company prior to incurring any expenses.

7. Notices. Any notice, request, instruction, or other document required by the
terms of this Agreement, or deemed by any of the Parties hereto to be desirable,
to be given to any other party hereto shall be in writing and shall be given by
personal delivery, overnight delivery, mailed by registered or certified mail,
postage prepaid, with return receipt requested, or sent by facsimile
transmission to the addresses of the Parties as follows:

     To the Company:      American Soil Technologies, Inc.
                          12224 Montague Street
                          Pacoima, CA 91331
                          Fax: 818/899-4686

     To the Consultant:   Telperion Business Consultants, LLC
                          12 Innisbrook Road
                          Skillman, NJ  08558
                          Fax:

The persons and addresses set forth above may be changed from time to time by a
notice sent as aforesaid. If notice is given by personal delivery or overnight
delivery in accordance with the provisions of this Section, such notice shall be
conclusively deemed given at the time of such delivery provided a receipt is
obtained from the recipient. If notice is given by mail in accordance with the
provisions of this Section, such notice shall be conclusively deemed given upon
receipt and delivery or refusal. If notice is given by facsimile transmission in
accordance with the provisions of this Section, such notice shall be
conclusively deemed given at the time of delivery if during business hours and
if not during business hours, at the next business day after delivery, provided
a confirmation is obtained by the sender.

                                       2
<PAGE>
8. Miscellaneous

(a) Governing Law This Agreement shall be governed by, interpreted and enforced
in accordance with the laws of the State of California.

(b) Entire Agreement This instrument contains the entire agreement of the
parties concerning engagement and may not be changed or modified except by
written agreement duly executed by the parties hereto.

(c) Confidentiality Except as may otherwise be required by law, the specific
provisions of this Agreement shall remain strictly confidential. Notwithstanding
the foregoing, the parties agree that Consultant shall disclose that it is being
compensated by the Company in all of its promotional releases to the public, in
accordance with the Act. Neither the company nor the Consultant shall, either
directly or indirectly through their respective officers, directors, employees,
shareholders, partners, joint ventures, agents, consultants, contractor,
affiliates or any other person, disclose, communicate, disseminate or otherwise
breach the confidentiality of all or any provision of this Agreement, without
the express written consent of both parties to this Agreement.

(d) Assignment The obligations of the parties under this Agreement shall not be
assigned without the written consent of the parties. Notwithstanding any
provision of this Agreement to the contrary, however, the Consultant shall be
entitled to provide that any funds payable or stock issuable to it pursuant to
this Agreement shall instead be paid or issued to its designee.

(e) Counterparts and Facsimile This Agreement may be executed in counterparts,
and all counterparts will be considered as part of one agreement binding on all
parties to this Agreement. This Agreement may be executed via facsimile, which
signatures shall be deemed legal and binding as an original signature hereto.

(f) Severability If any term, condition or provision of this Agreement or the
application thereof to any party or circumstances shall, at any time or to any
extent, be invalid or unenforceable, the remainder of this Agreement, or the
application of such term, condition or provision to parties or circumstances
other than those as to which it is held invalid or unenforceable, shall not be
affected thereby, and each term, condition and provision of this Agreement shall
be valid and enforceable to the fullest extent permitted by law.

(g) Jurisdiction. The parties submit to the jurisdiction of the Courts of the
County of Orange, State of California or a Federal Court empaneled in the State
of California for the resolution of all legal disputes arising under the terms
of this Agreement, including, but not limited to, enforcement of any arbitration
award.

(h) Attorneys' Fees. In the event any Party hereto shall commence legal
proceedings against the other to enforce the terms hereof, or to declare rights
hereunder, as the result of a breach of any covenant or condition of this
Agreement, the prevailing party in any such proceeding shall be entitled to
recover from the losing party its costs of suit, including reasonable attorneys'
fees, as may be fixed by the court.

                                       3
<PAGE>
IN WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the
day and year first above written.

American Soil Technologies, Inc

/s/ Carl P. Ranno
------------------------------------------
By: Carl P. Ranno, President/CEO

/s/ Douglas Toth
-----------------------------------------
By: Douglas Toth representing Telperion Business Consultants, LLC

                                       4

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