Document:

CMSI CMALT 2006-A1 Form of MLPA

    FORM
      OF MORTGAGE LOAN PURCHASE AGREEMENT

    

    This
      Mortgage Loan Purchase Agreement (the "Agreement") dated as of April 1, 2006
      is
      between CitiMortgage, Inc. ("CMI" or the "Seller") and Citicorp Mortgage
      Securities, Inc., a Delaware corporation ("CMSI"). The Seller agrees to sell,
      and CMSI agrees to purchase, the mortgage loans originated or acquired by CMI
      as
      described and set forth in the Mortgage Loan Schedule attached as exhibit B
      (the
      "mortgage loans") to the Pooling and Servicing Agreement dated as of April
      1,
      2006 (the "Pooling Agreement"), between CMSI, CMI, U.S. Bank National
      Association, a national banking association, in its individual capacity and
      as
      Trustee (the "Trustee"), and Citibank, N.A., in its individual capacity and
      as
      Paying Agent, Certificate Registrar and Authentication Agent, relating to the
      issuance of CMSI CMALT REMIC Pass-Through Certificates, Series 2006-A1, class
      A,
      class B and residual certificates. Terms used without definition herein shall
      have the respective meanings assigned to them in the Pooling Agreement or,
      if
      not defined therein, in the Underwriting Agreement dated March 16, 2006 (the
      "Underwriting Agreement"), among CMSI, Citigroup Inc. and Citigroup Global
      Markets Inc. (the "Underwriter").

    

    1. Purchase
      Price.
      The
      purchase price (the "Purchase Price") for the mortgage loans shall consist
      of
      (a) cash in the amount of
      [                  ]%
      of the aggregate scheduled principal balance thereof as of the cut-off date,
      plus accrued interest thereon at the rate of 5.75% per annum on the mortgage
      loans in pool I and 5.25% per annum on the mortgage loans in pool II, from
      and
      including the cut-off date to but excluding the closing date, (b) the class
      IA-IO and IIA-IO certificates, (c) the class LR certificates and (d) the class
      PR certificates. Such cash shall be payable by CMSI to the Seller on the closing
      date in same-day funds, and the Seller will receive on the closing date: (a)
      the
      class IA-IO and IIA-IO certificates and (b) the class LR and class PR
      certificates evidencing the residual interests in the lower-tier REMIC and
      the
      pooling REMIC, respectively. If CMSI for any reason shall repay to the
      Underwriter any portion of the price paid to CMSI by the Underwriter pursuant
      to
      the Underwriting Agreement, the Seller shall simultaneously and in the same
      manner repay to CMSI a proportionate amount of the Purchase Price as such
      repayment to the Underwriter.

    

    Upon
      payment of the Purchase Price, the Seller shall transfer, assign, set over
      and
      otherwise convey to CMSI without recourse all of the Seller's right, title
      and
      interest in and to the mortgage loans, including all interest and principal
      received or receivable by the Seller on or with respect to the mortgage loans
      (other than payments of principal and interest due and payable on the mortgage
      loans on or before the cut-off date and prepayments of principal on the mortgage
      loans received or posted prior to the close of business on the cut-off date),
      together with all of the Seller's right, title and interest in and to the
      proceeds of any related title, hazard or other insurance policies and Primary
      Mortgage Insurance Certificates. The Seller agrees to deliver to CMSI all
      documents, instruments and agreements required to be delivered by CMSI to the
      Trustee under the Pooling Agreement and such other documents, instruments and
      agreements as CMSI shall reasonably request. CMSI hereby directs the Seller
      to
      execute and deliver to the Trustee assignments of the Mortgages to the Trustee
      (and endorsements of any Mortgage Notes relating thereto) in recordable form.
      Such assignments and endorsements shall not affect the rights of the parties
      hereto or to the Pooling Agreement.

    

    2. Representations.
      The
      Seller hereby represents and warrants to CMSI (i) that CMSI's representations
      and warranties pursuant to the Pooling Agreement to the Trustee with respect
      to
      the mortgage loans are true and correct and (ii) that the Seller has not dealt
      with any broker, investment banker, agent or other person (other than CMSI
      and
      the Underwriter) who may be

    
      
         

      

      
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    entitled
      to any commission or compensation in connection with the sale of the related
      mortgage loans. The Seller hereby agrees to cure any breach of such
      representations and warranties in accordance with the terms of the Pooling
      Agreement.

    

    3. Underwriting.
      The
      Seller hereby agrees to furnish any and all information, documents,
      certificates, letters or opinions reasonably requested by CMSI in order to
      perform any of its obligations or satisfy any of the conditions on its part
      to
      be performed or satisfied at or prior to the closing date.

    

    4. Costs.
      CMSI
      shall pay all expenses incidental to the performance of its obligations under
      the Underwriting Agreement, including without limitation (i) any recording
      fees
      or fees for title policy endorsements and continuations, (ii) the expenses
      of
      preparing, printing and reproducing the Registration Statement, the Prospectus,
      the Underwriting Agreement, the Pooling Agreement and the certificates and
      (iii)
      the cost of delivering the certificates to the offices of The Depository Trust
      Company or the Underwriter, as the case may be.

    

    5. Indemnification.
      The
      Seller hereby agrees to indemnify, defend and hold harmless CMSI against any
      and
      all losses, claims, damages or liabilities (i) resulting from the Seller's
      failure to perform any of its obligations hereunder, (ii) resulting from the
      inaccuracy of the Seller's representations and warranties herein or of CMSI's
      representations and warranties in the Pooling Agreement or (iii) insofar as
      such
      losses, claims, damages or liabilities (or actions or demands for reimbursement
      or contribution in respect thereof) arise out of or are based upon information
      relating to the Seller or the mortgage loans pursuant to the Underwriting
      Agreement.

    

    6. Purchase
      and Sale; Security Interest.
      The
      parties hereto intend the conveyance by the Seller to CMSI of all of its right,
      title and interest in and to the mortgage loans pursuant to this Agreement
      to
      constitute a purchase and sale and not a loan. Notwithstanding the foregoing,
      to
      the extent that such conveyance is held not to constitute a sale under
      applicable law, it is intended that this Agreement shall constitute a security
      agreement under applicable law and that the Seller shall be deemed to have
      granted to CMSI a first priority security interest in all of the Seller's right,
      title and interest in and to the mortgage loans.

    

    7. Notices.
      All
      demands, notices and communications hereunder shall be in writing, shall be
      effective only upon receipt and shall, if sent to CMSI be addressed to it at
      1000 Technology Drive, O’Fallon, Missouri 63368, Attn: Larry Kent Slough or if
      sent to Seller be addressed to it at 1000 Technology Drive, O’Fallon, Missouri
      63368, Attn: General Counsel.

    

    8. Trustee
      Beneficiary.
      The
      representations and agreements made by the Seller in this Agreement are made
      for
      the benefit of, and may be enforced by, the Trustee, and the holders of
      certificates to the same extent that the Trustee and the holders of
      certificates, respectively, have rights against CMSI under the Pooling Agreement
      in respect of representations and agreements made by CMSI therein.

    

    9. Cross-Receipt.
      The
      Seller, by executing this Agreement below, hereby acknowledges receipt of the
      Purchase Price from CMSI. CMSI, by executing this Agreement below,

     

    
      
         

      

      
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     hereby
      acknowledges receipt of the Mortgage Loans from the Seller.

    

    10. Miscellaneous.
      This
      Agreement shall be governed by and construed in accordance with the laws of
      the
      State of New York. Neither this Agreement nor any term hereof may be
      changed, waived, discharged or terminated except by a writing signed by the
      party against whom enforcement of such change, waiver, discharge or termination
      is sought. This Agreement may not be changed in any manner which would have
      a
      material adverse affect on holders of any class of certificates without the
      prior written consent of the Trustee. The Trustee shall be protected in
      consenting to any such change to the same extent provided in section 10 of
      the
      Pooling Agreement. This Agreement may be signed in any number of counterparts,
      each of which shall be deemed an original, which taken together shall constitute
      one and the same instrument. This Agreement shall bind and inure to the benefit
      of and be enforceable by CMSI and the Seller and their respective successors
      and
      assigns; provided,
      however,
      that
      this Agreement cannot be assigned by either party without the consent of the
      other party hereto, and any assignment hereof without such consent shall be
      void.

    

    

    
      
         

      

      
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    IN
      WITNESS WHEREOF, CMSI and the Seller have caused this Agreement to be duly
      executed by their respective officers as of the day and year first above
      written.

    

    

    CITIMORTGAGE,
      INC.

    

    

    

    By:     

    Jeffrey
      K. Sarni

    Vice
      President

    

    

    

    CITICORP
      MORTGAGE SECURITIES, INC.

    

    

    

    By:     

    Larry
      Kent Slough

    Senior
      Vice President

     

     

     

    4Declaration of Trust

DECLARATION
OF TRUST

I, Gordon
Louis Racette, hereby declare that the mineral claims described
below and are registered in my name with the Ministry of Energy,
Mines and Petroleum Resources for the Province of British Columbia
are held by me in trust and for the benefit of Opes Exploration
Inc.

Mineral
Claims:

	
				Tenure
Number

				
				Claim
Name

				
				Owner

				
				Good To
Date

				
				Status

				
				Area

			
	
				525338

				
				Lower Engineer 1

				
				201847  100%

				
				2007/Jan/13

				
				GOOD

				
				394.902

			
	
				525339

				
				Lower Engineer 2

				
				201847  100%

				
				2007/Jan/13

				
				GOOD

				
				411.533

			

Dated the
13th of January, 2006

/s/ Gordon Racette
Gordon
Louis Racette

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