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This Mortgage Agreement involves
FBR SECURITIZATION, INC | JPMORGAN CHASE BANK, NATIONAL ASSOCIATION | WILMINGTON TRUST COMPANY
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Title: AMENDED AND RESTATED OWNER TRUST AGREEMENT Dated as of May 11, 2005 First NLC Trust 2005-1 Callable Mortgage-Backed Notes, Series 2005-1
Governing Law: Delaware Date: 5/25/2005