Execution Copy

                             AMENDMENT NO. 2 TO THE
              MASTER MORTGAGE LOAN PURCHASE AND SERVICING AGREEMENT
                             (JUMBO MORTGAGE LOANS)

                         (COUNTRYWIDE HOME LOANS, INC.--
                  BANC OF AMERICA MORTGAGE CAPITAL CORPORATION)

     This Amendment No. 2 (this "Amendment"), dated as of September 1, 2004, by
and among BANK OF AMERICA, N.A., a national banking association (the
"Assignee"), BANC OF AMERICA MORTGAGE CAPITAL CORPORATION, a North Carolina
corporation (the "Assignor"), and COUNTRYWIDE HOME LOANS, INC., a New York
corporation (the "Company"), amends that certain Master Mortgage Loan Purchase
and Servicing Agreement (the "Agreement"), dated as of April 1, 2003, by and
between the Assignor and the Company, as previously amended by Amendment No. 1,
dated as of July 1, 2003, by and among the Assignee, the Assignor and the
Company.

                                   WITNESSETH

     WHEREAS, pursuant to various Assignment, Assumption and Recognition
Agreements executed by the parties hereto from time to time, the Assignor has
previously assigned its interest in the Agreement, as previously amended, as
such relates to certain pools of Mortgage Loans to the Assignee; and

     WHEREAS, the Company, the Assignor and the Assignee have agreed, subject to
the terms and conditions of this Amendment, that the Assignee shall purchase
certain Mortgage Loans directly from the Company pursuant to the terms of the
Agreement henceforth; and

     WHEREAS, the Company, the Assignor and the Assignee agree that the
Agreement shall be amended to substitute the Assignee as the purchaser
thereunder, to release the Assignor from all obligations and duties thereunder,
and to otherwise reflect the change in parties.

     NOW, THEREFORE, in consideration of the mutual premises and mutual
obligations set forth herein and other good and valuable consideration, the
Company, the Assignee and the Assignor hereby agree as follows:

     1. The Agreement is amended to assign, transfer and set over all of
Assignor's right, title and interest to and under the Agreement to the Assignee
and to remove the Assignor as a party thereto and furthermore, that the
Agreement is amended by deleting any occurrence of "Banc of America Mortgage
Capital Corporation" and replacing it with "Bank of America, N.A."

     2. The Assignor hereby assigns, transfers and sets over to the Assignee all
of its right, title and interest in, to and under the Agreement (other than the
rights of the Assignor to indemnification thereunder), and the Assignee hereby
assumes all of the Assignor's obligations and duties under the Agreement from
and after the date hereof, and the Company hereby acknowledges such assignment
and assumption and hereby agrees to the release of the Assignor from any
obligations or duties under the Agreement from and after the date hereof.
Notwithstanding the foregoing, it is understood that the Company is not released
from liability to



the Assignor for any breaches of any representations and warranties by the
Company made in the Agreement prior to the date hereof regardless of when such
breaches are discovered or made known. Notwithstanding anything to the contrary
herein or otherwise, it is understood that the Assignor is not released from
liability to the Company for any breaches of any representations, warranties,
and covenants by the Assignor made in and pursuant to the Agreement prior to the
date hereof regardless of when such breaches are discovered or made known.

     3. The Assignee hereby represents, warrants and covenants to the Company
that, as of the date hereof:

          a.   Organization and Standing. The Assignee is duly organized,
               validly existing and in good standing under the laws of the
               jurisdiction in which it is organized and is qualified to
               transact business in and is in good standing under the laws of
               each state in which the nature of the business transacted by it
               or the character of the properties owned or leased by it requires
               such qualification;

          b.   Due Authority. The Assignee has the full power and authority to
               perform, and to enter into and consummate, all transactions
               contemplated by this Amendment and the Agreement; the Assignee
               has the full power and authority to purchase and hold each
               Mortgage Loan;

          c.   No Conflict. Neither the acquisition of the Mortgage Loans by the
               Assignee pursuant to this Amendment and the Agreement, the
               consummation of the transactions contemplated hereby, nor the
               fulfillment of or compliance with the terms and conditions of
               this Amendment and the Agreement, will conflict with or result in
               a breach of any of the terms, conditions or provisions of the
               Assignee's charter or by-laws or result in a material breach of
               any legal restriction or any material agreement or instrument to
               which the Assignee is now a party or by which it is bound, or
               constitute a default or result in an acceleration under any of
               the foregoing, or result in the violation of any law, rule,
               regulation, order, judgment or decree to which the Assignee or
               its property is subject;

          d.   No Pending Litigation. There is no action, suit, proceeding,
               investigation or litigation pending or, to the Assignee's
               knowledge, threatened, which either in any one instance or in the
               aggregate, if determined adversely to the Assignee would
               adversely affect the purchase of the Mortgage Loans by the
               Assignee under the Agreement, or the Assignee's ability to
               perform its obligations under this Amendment and the Agreement;

          e.   No Consent Required. No consent, approval, authorization or order
               of any court or governmental agency or body is required for the
               execution, delivery and performance by the Assignee of or
               compliance by the Assignee with this Amendment and the Agreement
               or the consummation of the transactions contemplated by this
               Amendment and the Agreement (including, but not limited to, any
               approval from HUD), or if required, such


                                        2



               consent, approval, authorization or order has been obtained prior
               to the date hereof; and

          f.   Ability to Perform. The Assignee does not believe, nor does it
               have any reason or cause to believe, that it cannot perform each
               and every covenant contained in this Amendment and the Agreement.
               The Assignee is solvent and the purchase of the Mortgage Loans
               will not cause the Assignee to become insolvent. The purchase of
               the Mortgage Loans is not undertaken with the intent to hinder,
               delay or defraud any of Assignee's creditors.

     4. Article I of the Agreement is modified by deleting the second occurrence
of the word "following" and replacing it with "preceding" in the definition of
"Remittance Date".

     5. Section 3.01 of the Agreement is modified by deleting the word "and" at
the end of clause (e), deleting the period at the end of clause (f) and
replacing it with "; and" and inserting the following (as new clause (g)
therein):

          "(g) Anti-Money Laundering Laws. Countrywide has complied with all
          applicable anti-money laundering laws and regulations, including
          without limitation the USA Patriot Act of 2001 (collectively, the
          "Anti-Money Laundering Laws"); Countrywide has established an
          anti-money laundering compliance program if and to the extent required
          by applicable Anti-Money Laundering Laws, has conducted due diligence
          in connection with the origination of each Mortgage Loan if and to the
          extent required by applicable Anti-Money Laundering Laws."

     6. Section 3.02 of the Agreement is modified by deleting clauses (aa) and
(jj) in their entirety, deleting the word "and" at the end of clause (uu),
deleting the period at the end of clause (vv) and replacing it with ";" and
inserting the following (as new clause (ww) therein):

          "(ww) Homeownership and Equity Protection Act; No High Cost Loans. No
          Mortgage Loan is (a) a "high cost" loan under the Home Ownership and
          Equity Protection Act of 1994 as amended, or (b) a "high cost,"
          "threshold," "covered," "predatory," "abusive," or similarly defined
          loan, including refinance loans, under any other applicable state,
          federal or local law (or a similarly classified loan using different
          terminology under a law imposing heightened regulatory scrutiny or
          additional legal liability for residential mortgage loans having high
          interest rates, points and/or fees), provided that any Mortgage Loan
          secured by a Mortgaged Property in Illinois characterized as a
          "threshold" loan shall not be a "high cost" loan unless it is
          characterized as "predatory" under applicable local law or (c) a "High
          Cost Loan" or "Covered Loan" as defined in the S&P LEVELS Glossary
          Version 5.6; no Mortgage Loan originated on or after October 1, 2002
          and on or before March 6, 2003 is governed by the Georgia Fair Lending
          Act; the Company has implemented and conducted compliance procedures
          to determine if each Mortgage Loan is "high-cost" home loan under the
          applicable laws and performed a review of the disclosure provided to
          the related Mortgagor in accordance with such laws and the related
          Mortgage Note in order to determine that such Mortgage Loan, if
          subject to any such law, does not violate any such law;


                                        3



     7. Section 6.06 of the Agreement is hereby amended by inserting the
following as the new third sentence therein:

          "Upon receipt of a written request from the Purchaser for any Credit
          File or document therein, Countrywide shall make commercially
          reasonable efforts to deliver no later than thirty (30) days after
          receipt of such written request any such Credit File or document, or
          copies thereof, to the Purchaser in accordance with the reasonable
          directions of the Purchaser contained in such request, and the
          Purchaser shall return any original Credit File or document therein
          delivered pursuant to this Section no later than ten (10) days after
          receipt thereof. In the event that Countrywide is unable to deliver
          pursuant to this Section any requested document or a copy thereof that
          is reasonably material to the review of the status of the related
          Mortgage Loan or Mortgaged Property or the creditworthiness of the
          Mortgagor ("Credit Document"), Countrywide shall promptly contact the
          Purchaser to explain the reasons for the delay. The Purchaser will
          make every effort to work with Countrywide when extenuating
          circumstances prevent Countrywide from delivering a Credit Document to
          the Purchaser in a timely manner. If Countrywide fails to deliver in
          accordance with this Section any requested Credit Document for no
          apparent reason (or for a reason not acceptable to the Purchaser in
          its reasonable and good faith discretion), Countrywide shall indemnify
          the Purchaser and hold it harmless against any and all claims, losses,
          damaged, penalties, fines, forfeitures, reasonable and necessary
          attorneys' fees and related costs, judgments, and any other costs,
          fees and expenses that the Purchaser may sustain in any way related to
          the failure of Countrywide to provide the Purchaser with a requested
          Credit Document in accordance with this Section, provided that such
          failure to deliver shall materially and adversely affect the value of
          the related Mortgage Loan or the Purchaser's interest in such Mortgage
          Loan. Notwithstanding the foregoing, the Purchaser shall indemnify
          Countrywide and hold it harmless against any and all claims, losses,
          damages, penalties, fines, forfeitures, reasonable and necessary legal
          fees and related costs, judgments, and any other costs, fees and
          expenses that Countrywide may sustain in any way related to (a)
          actions or inactions of Countrywide which were taken or omitted upon
          the instruction or direction of the Purchaser, or (b) the failure of
          the Purchaser to perform its obligations under this Agreement,
          including subsections (i) and (ii) in Section 6.04. Countrywide shall
          not be required to deliver any Credit Document pursuant to this
          Section 6.06 for any Mortgage Loan for which the Purchaser conducted
          either a pre-closing or a post-closing due diligence review,
          identified such Credit Document as missing or not in the related
          Credit File and thereafter did not refuse to purchase or request
          repurchase of such Mortgage Loan by Countrywide."

     8. Section 8.07 of the Agreement is hereby amended by inserting the
following as the new subsection (g) therein:

          "(g) The Purchaser and Countrywide agree that with respect to some or
          all of the Mortgage Loans, the Purchaser, at its sole option, may
          effect one or more synthetic securitizations (each, a "Synthetic
          Securitization") in which such


                                        4



          Mortgage Loans are included as part of the reference portfolio
          relating to such Synthetic Securitization, retaining Countrywide as
          the servicer thereof or subservicer if a master servicer is employed,
          or as applicable the "seller/servicer." Upon receipt of written notice
          requesting information similar to that which is set forth in Section
          8.07(b)(ii) which shall not be received later than ten (10) days prior
          to any such Synthetic Securitization, Countrywide agrees to provide
          such information to the extent that it does not result in an undue
          burden, and the Purchaser agrees to pay for any out-of-pocket costs or
          expenses incurred by Countrywide in complying with this Section
          8.07(g). In addition, Countrywide shall reasonably cooperate with the
          Purchaser in connection with each Synthetic Securitization."

     Upon execution of this Amendment No. 2, the Agreement as it relates to
Mortgage Loans sold to the Assignor by the Company on or after the date hereof
will be read to contain the above amendments as of the date hereof, and any
future reference to the Agreement will mean the Agreement (except with respect
to paragraph 8 above which shall also apply to Mortgage Loans sold under the
Agreement prior to the date hereof) as so modified as of the date hereof and
thereafter. The parties hereto acknowledge that the Agreement has not been
modified or amended, except as otherwise expressly described or provided for
herein.

     This Amendment shall be construed in accordance with the laws of the State
of New York, and the obligations, rights and remedies of the parties hereunder
shall be determined in accordance with such laws.

     This Amendment may be executed in one or more counterparts and by different
parties hereto on separate counterparts, each of which, when so executed, shall
constitute one and the same agreement.

     Any capitalized terms not otherwise defined herein will have the meanings
assigned to them in the Agreement.

                   [SIGNATURES COMMENCE ON THE FOLLOWING PAGE]


                                        5



                                                                  Execution Copy

     IN WITNESS HEREOF, the parties have caused their names to be signed to this
Amendment No. 2 by their respective duly authorized officers as of the date
first written above.

                                        COUNTRYWIDE HOME LOANS, INC.
                                        a New York corporation


                                        By: /s/ Monica Brudenell
                                            ------------------------------------
                                        Name: Monica Brudenell
                                        Title: First Vice President


                                        BANC OF AMERICA MORTGAGE CAPITAL
                                        CORPORATION
                                        a North Carolina corporation


                                        By: /s/ Bruce W. Good
                                            ------------------------------------
                                        Name: Bruce W. Good
                                        Title: Vice President


                                        BANK OF AMERICA, N.A.
                                        a national banking association


                                        By: /s/ Bruce W. Good
                                            ------------------------------------
                                        Name: Bruce W. Good
                                        Title: Vice President

         [Signature Page to Amendment No. 2 to the CWHL MMLPSA (Jumbo)]