8-K 1 d203249.txt CITIGROUP MORTGAGE LOAN TRUST INC ================================================================================ UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 15, 2004 CITIGROUP MORTGAGE LOAN TRUST INC. (as depositor under the Pooling and Servicing Agreement, dated as of December 1, 2003, providing for the issuance of Asset-Backed Pass-Through Certificates, Series 2003-HE3) Citigroup Mortgage Loan Trust Inc. ---------------------------------- (Exact name of registrant as specified in its charter) --------------------------------------------------------------------------------

Registrant's telephone number, including area code: (212) 816-6000 -------------- ================================================================================ -2- Item 2. Acquisition or Disposition of Assets ------------------------------------ Description of the Certificates and the Mortgage Pools On December 23, 2003, a single series of certificates, entitled Citigroup Mortgage Loan Trust, Series 2003-HE3, Asset-Backed Pass-Through Certificates (the "Certificates"), were issued pursuant to a pooling and servicing agreement, dated as of December 1, 2003 (the "Agreement"), attached hereto as Exhibit 4.1, among Citigroup Mortgage Loan Trust Inc., as depositor (the "Depositor"), Wells Fargo Home Mortgage, Inc., as servicer (the "Servicer") Wells Fargo Bank Minnesota, National Association, as trust administrator (the "Trust Administrator") and HSBC Bank USA, as trustee (the "Trustee"). The Certificates consist of seven classes of certificates (collectively, the "Certificates"), designated as set forth below. The Certificates evidence in the aggregate the entire beneficial ownership interest in a trust fund (the "Trust Fund"), consisting primarily of a segregated pool (the "Mortgage Pool") of conventional, one- to four-family, fixed-rate and adjustable rate, first and second lien mortgage loans having original terms to maturity up to 30 years (the "Mortgage Loans"). The Mortgage Pool consists of Mortgage Loans having an aggregate principal balance of $460,260,646.10 as of December 1, 2003 (the "Cut-off Date"). The Mortgage Loans were purchased pursuant to a Mortgage Loan Purchase Agreement, dated December 22, 2003, between the Depositor and Citigroup Global Markets Realty Corp. Certain of the Certificates were sold by the Depositor to Citigroup Global Markets Inc. (in such capacity, the "Representative"), pursuant to an Underwriting Agreement, dated December 22, 2003, between the Depositor and the Representative. The Certificates have the following initial Certificate Balances and Pass-Through Rates:

The Certificates, other than the Private Certificates, and the Mortgage Loans are more particularly described in the Prospectus, dated November 4, 2003, and the Prospectus Supplement, dated December 22, 2003, as previously filed with the Securities and Exchange Commission pursuant to Rule 424(b). The Private Certificates have not been and will not be publicly offered by the Depositor. Capitalized terms used but not otherwise defined herein shall have the meanings assigned to them in the Pooling and Servicing Agreement. Item 7. Financial Statements and Exhibits --------------------------------- (a) Not applicable (b) Not applicable (c) Exhibits

-4- SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: January 15, 2004 CITIGROUP MORTGAGE LOAN TRUST INC. By: /s/ Matt Bollo ------------------------ Name: Matt Bollo Title: Assistant Vice President

Exhibit 4.1

CITIGROUP MORT LN TR ASST BACK PS THR CERTS SER 2003-HE3 8-K