Document:

3rd Supp. Ind. dated as of 11/7/08 to the Ind. dated as of 5/22/07

 Exhibit 4.20 
 BANK OF AMERICA CORPORATION 
  
  
 THIRD SUPPLEMENTAL INDENTURE 
 Dated as of
November 7, 2008 
 Supplementing the Indenture dated as of May 22, 2007, 
 as supplemented by the First Supplemental Indenture dated July 1, 2008, 
 as
supplemented by the Second Supplemental Indenture dated November 7, 2008, 
 among 
 Countrywide Financial Corporation (formerly Red Oak Merger Corporation), 
 Countrywide
Home Loans, Inc., 
 Bank of America Corporation 
 and 
 The Bank of New York Mellon (formerly The Bank of New York), as trustee. 

 THIS THIRD SUPPLEMENTAL INDENTURE, dated as of November 7, 2008 (the “Third Supplemental
Indenture”), is made by and among BANK OF AMERICA CORPORATION, a Delaware corporation (“Issuer”), COUNTRYWIDE HOME LOANS, INC., a New York corporation (“Guarantor”), and THE BANK OF NEW YORK MELLON
(formerly The Bank of New York), a New York banking corporation, as trustee (the “Trustee”) under the Indenture referred to herein. 
 WITNESSETH: 
 WHEREAS, Issuer, Guarantor, Countrywide Financial Corporation (formerly Red Oak Merger
Corporation), a Delaware corporation (the “Corporation”) and the Trustee are parties to an Indenture dated as of May 22, 2007, as supplemented by the First Supplemental Indenture dated July 1, 2008, as supplemented by the Second
Supplemental Indenture (“Second Supplemental Indenture”) dated November 7, 2008 (the “Indenture”), providing for the issuance of Series A Debentures and Series B Debentures (collectively, the “Securities”);

 WHEREAS, Issuer and Guarantor entered into an Asset Purchase Agreement dated November 7, 2008 (the “Asset Purchase
Agreement”), pursuant to which Guarantor will sell to Issuer substantially all of Guarantor’s assets (the “Asset Purchase”); 
 WHEREAS, the Asset Purchase will be consummated on November 7, 2008; 
 WHEREAS, Section 5.01(a) of the
Indenture provides that in the case of a conveyance or transfer of substantially all of Issuer’s or Guarantor’s assets to another corporation, the acquiring corporation shall expressly assume by supplemental indenture all the obligations
and covenants under the Securities and the Indenture to be performed and observed by Issuer or Guarantor, as the case may be; 
 WHEREAS, Section 9.01(k) of the Indenture provides that Issuer, Guarantor and the Trustee may amend the Indenture without notice to or consent of any Securityholder to make other changes to the Indenture so long as no such
change individually or in the aggregate with all other such changes has or will have in the aggregate a material adverse effect on the interests of the Holders of the Securities; 
 WHEREAS, in connection with the execution of the Second Supplemental Indenture, Issuer expressly assumed all of the Corporation’s obligations
and covenants pursuant to the Indenture; 
 WHEREAS, Issuer wishes to assume all of Guarantor’s obligations and covenants
pursuant to the Indenture; 
 WHEREAS, this Third Supplemental Indenture has been duly authorized by all necessary corporate action on
the part of each of Issuer, Guarantor and the Corporation; 
 WHEREAS, the Trustee has determined that this Third Supplemental
Indenture is satisfactory to it in form; and 

 WHEREAS, all things necessary to make this Third Supplemental Indenture a valid indenture and
agreement according to its terms have been done. 
 NOW, THEREFORE, in consideration of these premises, Issuer, Guarantor, the
Corporation and the Trustee agree as follows for the equal and ratable benefit of the Holders of the Securities: 
 ARTICLE I

 ASSUMPTION BY SUCCESSOR CORPORATION 
 AND SUPPLEMENTAL PROVISIONS 
 SECTION 1.1 Assumption of the Guarantees. 
 (a) Issuer hereby represents and warrants that: 
 (i) it is a corporation organized and existing under the laws of the State of Delaware and is acquiring substantially all of Guarantor’s assets pursuant to the Asset Purchase Agreement; and 
 (ii) the execution, delivery and performance of this Third Supplemental Indenture has been duly authorized by the Board of Directors of
Issuer. 
 (b) Issuer hereby expressly assumes Guarantor’s obligations under Guarantee’s and the performance of every covenant of
the Indenture on the part of Guarantor to be performed or observed. 
 (c) Issuer is hereby substituted for, and may exercise every right and
power of, Guarantor under the Indenture, as if Issuer had been originally named as the guarantor of the Securities. 
 (d) Guarantor is
hereby discharged and released from all of its obligations and covenants under the Indenture and the Securities. 
 SECTION 1.2 Amendments
to the Indenture. In connection with the Asset Purchase, the Indenture is hereby amended as follows: 
 (a) Article 15 is hereby amended
as follows: 
 (i) The address set forth in Section 15.02 for Guarantor is hereby amended and restated in its entirety to read as
follows: 
 if to the Guarantor: 
 Bank of America Corporation 
 Bank of America Corporate Center 
 100 North Tryon Street 
 NC1-007-07-13

  

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 Corporate Treasury Division 
 Charlotte, North Carolina 28255 
 Telephone: (980) 387-3776 
 Facsimile: (980) 387-8794 
 Attention: B.
Kenneth Burton, Jr. 
 SECTION 1.3 Trustee’s Acceptance. The Trustee hereby accepts this Third Supplemental Indenture and agrees
to perform the same under the terms and conditions set forth in the Indenture. 
 ARTICLE II 
 MISCELLANEOUS 
 SECTION 2.1 Effect
of Supplemental Indenture. Upon the later to occur of (i) the execution and delivery of this Third Supplemental Indenture by the Corporation, Issuer, Guarantor and the Trustee and (ii) the effective time of the Asset Purchase, the
Indenture shall be supplemented in accordance herewith, and this Third Supplemental Indenture shall form a part of the Indenture for all purposes, and every Holder of Securities heretofore or hereafter authenticated and delivered under the Indenture
shall be bound thereby. 
 SECTION 2.2 Indenture Remains in Full Force and Effect. Except as supplemented hereby, all provisions in
the Indenture shall remain in full force and effect. 
 SECTION 2.3 Indenture and Supplemental Indenture Construed Together. This
Third Supplemental Indenture is an indenture supplemental to and in implementation of the Indenture, and the Indenture and this Third Supplemental Indenture shall henceforth be read and construed together. 
 SECTION 2.4 Confirmation and Preservation of Indenture. The Indenture as supplemented by this Third Supplemental Indenture is in all respects
confirmed and preserved. 
 SECTION 2.5 Conflict with Trust Indenture Act. If any provision of this Third Supplemental Indenture
limits, qualifies or conflicts with any provision of the TIA that is required under the TIA to be part of and govern any provision of this Third Supplemental Indenture, the provision of the TIA shall control. If any provision of this Third
Supplemental Indenture modifies or excludes any provision of the TIA that may be so modified or excluded, the provision of the TIA shall be deemed to apply to the Indenture as so modified or to be excluded by this Third Supplemental Indenture, as
the case may be. 
 SECTION 2.6 Severability. In case any provision in this Third Supplemental Indenture shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 
  

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 SECTION 2.7 Terms Defined in the Indenture. All capitalized terms not otherwise defined herein
shall have the meanings ascribed to them in the Indenture. 
 SECTION 2.8 Headings. The Article and Section headings of this Third
Supplemental Indenture have been inserted for convenience of reference only, are not to be considered part of this Third Supplemental Indenture and shall in no way modify or restrict any of the terms or provisions hereof. 
 SECTION 2.9 Benefits of Third Supplemental Indenture, etc. Nothing in this Third Supplemental Indenture or the Securities, express or implied,
shall give to any person, other than the parties hereto and thereto and their successors hereunder and thereunder and the Holders of the Securities, any benefit of any legal or equitable right, remedy or claim under the Indenture, this Third
Supplemental Indenture or the Securities. 
 SECTION 2.10 Certain Duties and Responsibilities of the Trustee. In entering into this
Third Supplemental Indenture, the Trustee shall be entitled to the benefit of every provision of the Indenture relating to the conduct or affecting the liability or affording protection to the Trustee, whether or not elsewhere herein so provided.

 SECTION 2.11 Counterparts. The parties may sign any number of copies of this Third Supplemental Indenture. Each signed copy shall
be an original, but all of them together represent the same agreement. 
 SECTION 2.12 Governing Law. This Third Supplemental
Indenture shall be governed by, and construed in accordance with, the laws of the State of New York applicable to agreements made and to be performed in said State. 
 SECTION 2.13 Trustee Not Responsible for Recitals. The recitals contained herein (other than the ninth recital) shall be taken as the statements of the Issuer or Guarantor, as the case may be, and the Trustee
assumes no responsibility for their correctness. The Trustee makes no representation as to the validity or sufficiency of this Third Supplemental Indenture. 
 [Signature Pages Follow] 
  

 4 

 IN WITNESS WHEREOF, the parties have caused this Third Supplemental Indenture to be duly executed
as of the date first written above. 
  

			
	ISSUER:
	
	Bank of America Corporation
		
	By:	 	 /s/    B. Kenneth Burton, Jr.

		 	B. Kenneth Burton, Jr.
		 	Senior Vice President

 Third Supplemental Indenture 
 Signature Page 1 of 3 

			
	GUARANTOR:
	
	Countrywide Home Loans, Inc.
		
	By:	 	 /s/    Anne D. McCallion

		 	Anne D. McCallion
		 	Senior Managing Director and Chief
		 	Financial Officer

 Third Supplemental Indenture 
 Signature Page 2 of 3 

			
	THE TRUSTEE:
	
	The Bank of New York Mellon
		
	By:	 	 /s/    Rafael E. Miranda

		 	Rafael E. Miranda
		 	Vice President

 Third Supplemental Indenture 
 Signature Page 3 of 33rd Supp. Ind. dated as of 11/7/08 to the Ind. dated as of 11/08/06

 Exhibit 4.24 
 BANK OF AMERICA CORPORATION 
  
  
 THIRD SUPPLEMENTAL INDENTURE 
 Dated as of
November 7, 2008 
 Supplementing the Indenture dated 
 as of November 8, 2006, as supplemented by the Supplemental Indenture dated 
 November 8, 2006, as
supplemented by 
 the Second Supplemental Indenture dated July 1, 2008, 
 between 
 Countrywide Financial Corporation (formerly Red Oak Merger Corporation)

 and 
 The Bank of New York Mellon
(formerly The Bank of New York), as trustee. 

 THIS THIRD SUPPLEMENTAL INDENTURE, dated as of November 7, 2008 (the “Third Supplemental
Indenture”), is made by and among BANK OF AMERICA CORPORATION, a Delaware corporation (the “Corporation”), COUNTRYWIDE FINANCIAL CORPORATION (formerly Red Oak Merger Corporation), a Delaware corporation
(“Issuer”), and THE BANK OF NEW YORK MELLON (formerly The Bank of New York), a New York banking corporation, as trustee (the “Trustee”) under the Indenture referred to herein. 
 WITNESSETH: 
 WHEREAS,
Issuer and the Trustee are parties to an Indenture dated as of November 8, 2006, as supplemented by the Supplemental Indenture dated as of November 8, 2006, as supplemented by the Second Supplemental Indenture dated July 1, 2008 (the
“Indenture”), providing for the issuance of Debt Securities; 
 WHEREAS, there is outstanding under the terms of the
Indenture one or more series of notes as Debt Securities (the “Securities”); 
 WHEREAS, the Corporation and Issuer entered
into a Stock Purchase Agreement dated November 7, 2008 (the “Stock Purchase Agreement”), pursuant to which Issuer will sell to the Corporation substantially all of Issuer’s assets (the “Stock Purchase”); 
 WHEREAS, the Stock Purchase will be consummated on November 7, 2008; 
 WHEREAS, Section 8.1(1) of the Indenture provides that in the case of a conveyance or transfer of substantially all of Issuer’s assets
to another corporation, the acquiring corporation shall expressly assume by supplemental indenture all the obligations and covenants under the Securities and the Indenture to be performed and observed by Issuer; 
 WHEREAS, Section 9.1(1) of the Indenture provides that Issuer, with the authorization of its Board of Directors, and the Trustee may amend
the Indenture without notice to or consent of any holders of the Securities to evidence the succession to Issuer of a corporation that has acquired by conveyance or transfer substantially all of Issuer’s assets and the assumption by the
acquiring corporation of the obligations and covenants of Issuer under the Indenture; 
 WHEREAS, Issuer agreed to make guarantee
payments and certain other payments set forth in the Guarantee Agreement dated as of November 8, 2006 by and between Issuer and the Trustee for the benefit of the holders of the Securities (the “Guarantee Agreement”); 
 WHEREAS, Issuer is a party to that certain Replacement Capital Covenant dated as of November 8, 2006 (the “Replacement Capital
Covenant”) in favor of and for the benefit of each Covered Debtholder (as such term is defined in the Replacement Capital Covenant), pursuant to which Issuer has agreed to certain covenants and restrictions with regard to the repayment,
redemption or purchase of the Securities, as more particular set forth in the Replacement Capital Covenant; 

 WHEREAS, the Corporation wishes to assume all of Issuer’s responsibilities and obligations
under the Indenture, the Replacement Capital Covenant and the Guarantee Agreement; 
 WHEREAS, this Third Supplemental Indenture has
been duly authorized by all necessary corporate action on the part of each of Issuer and the Corporation; 
 WHEREAS, the Trustee has
determined that this Third Supplemental Indenture is satisfactory to it in form; and 
 WHEREAS, all things necessary to make this
Third Supplemental Indenture a valid indenture and agreement according to its terms have been done. 
 NOW, THEREFORE, in
consideration of these premises, Issuer, the Corporation and the Trustee agree as follows for the equal and ratable benefit of the holders of the Securities: 
 ARTICLE I 
 ASSUMPTION BY SUCCESSOR CORPORATION 
 AND SUPPLEMENTAL PROVISIONS 
 SECTION 1.1 Assumption of the Securities. 
 (a) The Corporation hereby represents and warrants that: 
 (i) it is a corporation organized and existing under the laws of the State of Delaware and is acquiring substantially all of Issuer’s
assets pursuant to the Stock Purchase Agreement; and 
 (ii) the execution, delivery and performance of this Third
Supplemental Indenture has been duly authorized by the Board of Directors of the Corporation. 
 (b) The Corporation hereby expressly assumes
the due and punctual payment of the principal of (and premium, if any) and interest on all the Securities and the performance of every covenant of the Indenture on the part of Issuer to be performed or observed. 
 (c) The Corporation is hereby substituted for, and may exercise every right and power of, Issuer under the Indenture, as if the Corporation had been
originally named as the issuer. 
 (d) Issuer is hereby discharged and released from all of its obligations and covenants under the Indenture
and the Securities. 
  

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 SECTION 1.2 Assumption of the Guarantee Agreement. 
 (a) The Corporation hereby assumes and is substituted for the Issuer under the Guarantee Agreement and agrees to perform all of Issuer’s obligations
and responsibilities under the Guarantee Agreement. 
 (b) The Issuer is hereby discharged and released from all of its obligations and
covenants under the Guarantee Agreement. 
 SECTION 1.3 Assumption of the Replacement Capital Covenant. 
 (a) The Corporation hereby agrees to perform all of Issuer’s obligations and responsibilities under the Replacement Capital Covenant and is hereby
substituted for Issuer for all purposes thereunder. 
 (b) The Issuer is hereby discharged and released from all of its obligations and
covenants under the Replacement Capital Covenant. 
 SECTION 1.4 Name in Indenture. Effective November 7, 2008, the name of
Issuer, as the successor corporation under the Indenture, shall be “Bank of America Corporation.” 
 SECTION 1.5 Name in
Guarantee Agreement. Effective November 7, 2008, the name of the guarantor, as the successor corporation under the Guarantee Agreement, shall be “Bank of America Corporation.” 
 SECTION 1.6 Name in Replacement Capital Covenant. Effective November 7, 2008, the name of the successor corporation under the Replacement
Capital Covenant shall be “Bank of America Corporation.” 
 SECTION 1.7 Trustee’s Acceptance. The Trustee hereby
accepts this Third Supplemental Indenture and agrees to perform the same under the terms and conditions set forth in the Indenture. 
 ARTICLE II 
 MISCELLANEOUS 
 SECTION 2.1 Effect of Supplemental Indenture. Upon the later to occur of (i) the execution and delivery of this Third Supplemental Indenture by the Corporation, Issuer, and the Trustee and (ii) the
effective time of the Stock Purchase, the Indenture shall be supplemented in accordance herewith, and this Third Supplemental Indenture shall form a part of the Indenture for all purposes, and every holder of Securities heretofore or hereafter
authenticated and delivered under the Indenture shall be bound thereby. 
 SECTION 2.2 Indenture Remains in Full Force and Effect.
Except as supplemented hereby, all provisions in the Indenture shall remain in full force and effect. 
  

 3 

 SECTION 2.3 Indenture and Supplemental Indenture Construed Together. This Third Supplemental
Indenture is an indenture supplemental to and in implementation of the Indenture, and the Indenture and this Third Supplemental Indenture shall henceforth be read and construed together. 
 SECTION 2.4 Confirmation and Preservation of Indenture. The Indenture as supplemented by this Third Supplemental Indenture is in all respects
confirmed and preserved. 
 SECTION 2.5 Conflict with Trust Indenture Act. If any provision of this Third Supplemental Indenture
limits, qualifies or conflicts with any provision of the Trust Indenture Act (the “TIA”) that is required under the TIA to be part of and govern any provision of this Third Supplemental Indenture, the provision of the TIA shall control. If
any provision of this Third Supplemental Indenture modifies or excludes any provision of the TIA that may be so modified or excluded, the provision of the TIA shall be deemed to apply to the Indenture as so modified or to be excluded by this Third
Supplemental Indenture, as the case may be. 
 SECTION 2.6 Severability. In case any provision in this Third Supplemental Indenture
shall be invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 
 SECTION 2.7 Terms Defined in the Indenture. All capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Indenture. 
 SECTION 2.8 Addresses for Notice, etc., to the Corporation and Trustee. Any notice or demand which by any provisions of this Third Supplemental
Indenture or the Indenture is required or permitted to be given or served by the Trustee or by the holders of Securities to or on the Corporation may be given in the manner specified in the Indenture to the following address: 
 Bank of America Corporation 
 Bank of America
Corporate Center 
 100 North Tryon Street 
 NC1-007-07-13 
 Corporate Treasury Division 
 Charlotte, North Carolina 28255 
 Telephone:
(980) 387-3776 
 Facsimile: (980) 387-8794 
 Attention: B. Kenneth Burton, Jr. 
 Together with a copy to: 
 Bank of America Corporation 
 Legal Department

 NC1-002-29-01 
 101 South Tryon
Street 
 Charlotte, North Carolina 28255 
 Telephone: (704) 386-4238 
 Facsimile: (704) 386-1670 
 Attention: Teresa M. Brenner, Esq. 
  

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 SECTION 2.9 Headings. The Article and Section headings of this Third Supplemental Indenture have
been inserted for convenience of reference only, are not to be considered part of this Third Supplemental Indenture and shall in no way modify or restrict any of the terms or provisions hereof. 
 SECTION 2.10 Benefits of Third Supplemental Indenture, etc. Nothing in this Third Supplemental Indenture or the Securities, express or implied,
shall give to any Person, other than the parties hereto and thereto and their successors hereunder and thereunder and the holders of the Securities, any benefit of any legal or equitable right, remedy or claim under the Indenture, this Third
Supplemental Indenture or the Securities. 
 SECTION 2.11 Certain Duties and Responsibilities of the Trustee. In entering into this
Third Supplemental Indenture, the Trustee shall be entitled to the benefit of every provision of the Indenture relating to the conduct or affecting the liability or affording protection to the Trustee, whether or not elsewhere herein so provided.

 SECTION 2.12 Counterparts. The parties may sign any number of copies of this Third Supplemental Indenture. Each signed copy shall
be an original, but all of them together represent the same agreement. 
 SECTION 2.13 Governing Law. This Third Supplemental
Indenture shall be governed by, and construed in accordance with, the laws of the State of New York applicable to agreements made and to be performed in said State. 
 SECTION 2.14 Trustee Not Responsible for Recitals. The recitals contained herein (other than the eleventh recital) shall be taken as the statements of the Corporation or the Issuer, as the case may be, and the
Trustee assumes no responsibility for their correctness. The Trustee makes no representation as to the validity or sufficiency of this Third Supplemental Indenture. 
 [Signature Pages Follow] 
  

 5 

 IN WITNESS WHEREOF, the parties have caused this Third Supplemental Indenture to be duly executed
as of the date first written above. 
  

			
	 THE CORPORATION:

	
	 Bank of America Corporation

		
	By:	 	 /s/    B. Kenneth Burton, Jr.

		 	B. Kenneth Burton, Jr.
		 	Senior Vice President

  

 Third Supplemental Indenture 
 Signature Page 1 of 3 

			
	 ISSUER:

	
	 Countrywide Financial Corporation

		
	 By:
	 	 /s/    Anne D. McCallion

		 	Anne D. McCallion
		 	Chief Financial Officer

  

 Third Supplemental Indenture 
 Signature Page 2 of 3 

			
	 THE TRUSTEE:

	
	 The Bank of New York Mellon

		
	 By:
	 	 /s/    Rafael E. Miranda

		 	Rafael E. Miranda
		 	Vice President

  

 Third Supplemental Indenture 
 Signature Page 3 of 3

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