Document:

AMENDED AND RESTATED MORTGAGE LOAN PURCHASE AGREEMENT

      This is an Amended and Restated Master Mortgage Loan Purchase Agreement
(the "Agreement"), dated as of December 1, 2005, by and between Bank of America,
National Association, having an office at 214 North Tryon Street, Charlotte,
North Carolina 28255 (the "Purchaser") and Wells Fargo Bank, N.A., having an
office at 1 Home Campus, Des Moines, Iowa 50328-0001 (the "Seller").

                               W I T N E S S E T H

      WHEREAS, the Seller agrees to sell, and the Purchaser agrees to purchase,
from time to time certain residential adjustable rate and/or fixed rate mortgage
loans (the "Mortgage Loans") on a servicing retained basis as described herein:

      WHEREAS, the Mortgage Loans shall be delivered as pools of whole loans
(each a "Loan Package") on various dates as provided herein (each a "Closing
Date"); and

      WHEREAS, the parties intend hereby to set forth the terms and conditions
upon which the proposed Transactions will be effected.

      NOW THEREFORE, in consideration of the promises and the mutual agreements
set forth herein, the parties hereto agree as follows:

      SECTION 1. All capitalized terms not otherwise defined herein have the
respective meanings set forth in the Amended and Restated Master Seller's
Warranties and Servicing Agreement, dated as of the date herewith (the "Master
Seller's Warranties and Servicing Agreement").

      SECTION 2. Agreement to Purchase. The Seller agrees to sell, and the
Purchaser agrees to purchase from time to time, Mortgage Loans in Loan Packages
having aggregate principal balances on the related Cut-off Date in amounts as
set forth in the respective Commitment Letters, or in such other amounts as
agreed by the Purchaser and the Seller as evidenced by the actual aggregate
principal balance of the Mortgage Loans in the related Loan Package accepted by
the Purchaser on the related Closing Date. The Mortgage Loans will be delivered
pursuant to the Master Seller's Warranties and Servicing Agreement, between the
Purchaser and the Seller.

      SECTION 3. Mortgage Loan Schedule. The Seller will provide the Purchaser
with certain information constituting a listing of the Mortgage Loans to be
purchased under this Agreement for each Transaction (the "Mortgage Loan
Schedule"). Each Mortgage Loan Schedule shall conform to the definition of
"Mortgage Loan Schedule" under the Master Seller's Warranties and Servicing
Agreement.

      SECTION 4. Purchase Price. The purchase price for each Loan Package (the
"Purchase Price") shall be the percentage of par as stated in the related
Commitment Letter, multiplied by the aggregate scheduled principal balance, as
of the related Cut-off Date, of the Mortgage Loans in the related Loan Package,
after application of scheduled payments of principal for such related Loan
Package due on or before such Cut-off Date whether or not collected. The
Purchase Price for a Loan Package may be adjusted as stated in the related
Commitment Letter.

      In addition to the Purchase Price, the Purchaser shall pay to the Seller,
at closing, accrued interest on the aggregate scheduled principal amount of the
related Mortgage Loans at the weighted average Mortgage Loan Remittance Rate for
each Loan Package from the related Cut-off Date through the day prior to the
related Closing Date, inclusive.

      With respect to each Loan Package, the Purchaser shall be entitled to (1)
all scheduled principal due after the related Cut-off Date, (2) all other
recoveries of principal collected after the related Cut-off Date (provided,
however, that all scheduled payments of principal due on or before the related
Cut-off Date and collected by the Seller after the related Cut-off Date shall
belong to the Seller), (3) all payments of interest on the Mortgage Loans at the
Mortgage Loan Remittance Rate (minus that portion of any such payment which is
allocable to the period prior to the related Cut-off Date) and (4) all
Prepayment Penalties. The principal balance of each Mortgage Loan as of the
related Cut-off Date is determined after application of payments of principal
due on or before the related Cut-off Date whether or not collected. Therefore,
payments of scheduled principal and interest prepaid for a Due Date beyond the
related Cut-off Date shall not be applied to the principal balance as of the
related Cut-off Date. Such prepaid amounts (minus interest at the Servicing Fee
Rate) shall be the property of the Purchaser. The Seller shall deposit any such
prepaid amounts into the Custodial Account, which account is established for the
benefit of the Purchaser for subsequent remittance by the Seller to the
Purchaser.

      SECTION 5. Examination of Mortgage Files. Prior to the related Closing
Date, the Seller shall (a) deliver to the Purchaser in escrow, for examination,
the Custodial Mortgage File for each Mortgage Loan, including a copy of the
Assignment of Mortgage, pertaining to each Mortgage Loan, or (b) make the
Custodial Mortgage Files and the Retained Mortgage Files available to the
Purchaser for examination at the Seller's offices or such other location as
shall otherwise be agreed upon by the Purchaser and the Seller. Such examination
may be made by the Purchaser or by any prospective purchaser of the Mortgage
Loans from the Purchaser, at any time before or after such Closing Date upon
prior reasonable notice to the Seller. The fact that the Purchaser or any
prospective purchaser of the Mortgage Loans has conducted or has failed to
conduct any partial or complete examination of the Custodial Mortgage Files and
the Retained Mortgage Files shall not affect the Purchaser's (or any of its
successor's) rights to demand repurchase, substitution or other relief or remedy
as provided under the Master Seller's Warranties and Servicing Agreement.

      The Purchaser shall cause the Custodian to act as bailee for the sole and
exclusive benefit of the Seller pursuant to the Custodial Agreement and act only
in accordance with Seller's instructions. Upon the Seller's receipt of the
Purchase Price, the Seller shall provide notification to the Custodian to
release ownership of the Mortgage Loan Documents specified above to the
Purchaser. Such notification shall be in a form of a written notice by facsimile
or other electronic media, with a copy sent to the Purchaser. Subsequent to such
release, such Mortgage Loan Documents shall be retained by the Custodian for the
benefit of the Purchaser. All Mortgage Loan Documents related to Mortgage Loans
not purchased by the Purchaser on the Closing Date, shall be maintained by the
Custodian for the benefit of the Seller and shall be returned to the Seller
within two (2) Business Days after the Closing Date.

      SECTION 6. Representations, Warranties and Agreements of Seller. The
Seller agrees and acknowledges that it shall, as a condition to the consummation
of the transactions contemplated hereby, make the representations and warranties
specified in Section 3.01 and 3.02 of the Master Seller's Warranties and
Servicing Agreement, as of each Closing Date. The meaning of the term
"Agreement" as used in Sections 3.01 and 3.02 of the Seller's Warranties and
Servicing Agreement shall include this Agreement. The Seller, without conceding
that the Mortgage Loans are securities, hereby makes the following additional
representations, warranties and agreements which shall be deemed to have been
made as of the related Closing Date:

      a)    neither the Seller nor anyone acting on its behalf has offered,
      transferred, pledged, sold or otherwise disposed of any Mortgage Loans,
      any interest in any Mortgage Loans or any other similar security to, or
      solicited any offer to buy or accept a transfer, pledge or other
      disposition of any Mortgage Loans, any interest in any Mortgage Loans or
      any other similar security from, or otherwise approached or negotiated
      with respect to any Mortgage Loans, any interest in any Mortgage Loans or
      any other similar security with, any person in any manner, or made any
      general solicitation by means of general advertising or in any other
      manner, or taken any other action which would constitute a distribution of
      the Mortgage Loans under the Securities Act or which would render the
      disposition of any Mortgage Loans a violation of Section 5 of the
      Securities Act or require registration pursuant thereto, nor will it act,
      nor has it authorized or will it authorize any person to act, in such
      manner with respect to the Mortgage Loans; and

      b)    the Seller has not dealt with any broker or agent or anyone else who
      might be entitled to a fee or commission in connection with this
      transaction other than the Purchaser.

      SECTION 7. Representation, Warranties and Agreement of Purchaser. The
Purchaser, without conceding that the Mortgage Loans are securities, hereby
makes the following representations, warranties and agreements, which shall have
been deemed to have been made as of the related Closing Date.

      a)    the Purchaser understands that the Mortgage Loans have not been
      registered under the Securities Act or the securities laws of any state;

      b)    except as contemplated under the Seller's Warranties and Servicing
      Agreement, the Purchaser is acquiring the Mortgage Loans for its own
      account only and not for any other person;

      c)    the Purchaser considers itself a substantial, sophisticated
      institutional investor having such knowledge and experience in financial
      and business matters that it is capable of evaluating the merits and risks
      of investment in the Mortgage Loans;

      d)    the Purchaser has been furnished with all information regarding the
      Mortgage Loans which it has requested from the Seller; and

      e)    neither the Purchaser nor anyone acting on its behalf offered,
      transferred, pledged, sold or otherwise disposed of any Mortgage Loan, any
      interest in any Mortgage Loan or any other similar security to, or
      solicited any offer to buy or accept a transfer, pledge or other
      disposition of any Mortgage Loan, any interest in any Mortgage Loan or any
      other similar security from, or otherwise approached or negotiated with
      respect to any

      Mortgage Loan, any interest in any Mortgage Loan or any other similar
      security with, any person in any manner, or made any general solicitation
      by means of general advertising or in any other manner, or taken any other
      action which would constitute a distribution of the Mortgage Loans under
      the Securities Act or which would render the disposition of any Mortgage
      Loan a violation of Section 5 of the Securities Act or require
      registration pursuant thereto, nor will it act, nor has it authorized or
      will it authorize any person to act, in such manner with respect to the
      Mortgage Loans.

      SECTION 8. Closing. The closing for the purchase and sale of each Loan
Package, shall take place on the related Closing Date. At the Purchaser's
option, the Closing shall be either: by telephone, confirmed by letter or wire
as the parties shall agree; or conducted in person, at such place as the parties
shall agree.

      The closing shall be subject to each of the following conditions:

      a)    all of the representations and warranties of the Seller under this
      Agreement and under the Master Seller's Warranties and Servicing Agreement
      shall be true and correct as of such Closing Date and no event shall have
      occurred which, with notice or the passage of time, would constitute a
      default under this Agreement or an Event of Default under the Master
      Seller's Warranties and Servicing Agreement;

      b)    the Purchaser shall have received, or the Purchaser's attorneys
      shall have received in escrow, all Closing Documents as specified in
      Section 9 of this Agreement, in such forms as are agreed upon and
      acceptable to the Purchaser, duly executed by all signatories other than
      the Purchaser as required pursuant to the respective terms thereof;

      c)    the Seller shall have delivered and released to the Custodian under
      the Master Seller's Warranties and Servicing Agreement all documents
      required pursuant to the Master Seller's Warranties and Servicing
      Agreement; and

      d)    all other terms and conditions of this Agreement and the Master
      Seller's Warranties and Servicing Agreement shall have been complied with.

      Subject to the foregoing conditions, the Purchaser shall pay to the Seller
      on such Closing Date the related Purchase Price, plus accrued interest
      pursuant to Section 4 of this Agreement, by wire transfer of immediately
      available funds to the account designated by the Seller.

      SECTION 9. Closing Documents. With respect to the initial closing date,
the Closing Documents shall consist of fully executed originals of the following
documents:

      1.    the Master Seller's Warranties and Servicing Agreement, in two
            counterparts;

      2.    this Agreement in two counterparts;

      3.    the Custody Agreement, in three counterparts, in the form attached
            as an exhibit to the Master Seller's Warranties and Servicing
            Agreement;

      4.    the Mortgage Loan Schedule for the related Loan Package, one copy of
            each to be attached to each counterpart of the related Assignment
            and Conveyance Agreement, to each counterpart of the Custody
            Agreement, as the Mortgage Loan Schedules thereto;

      5.    an Initial Certification, as required under the Custody Agreement;

      6.    an Opinion of Counsel of the Seller, in the form of Exhibit 1
            hereto; and

      7.    an Assignment and Conveyance Agreement for the related Mortgage
            Loans.

      On each subsequent Closing Date, the following documents:

      1.    the Mortgage Loan Schedule for the related Loan Package;

      2.    an Assignment and Conveyance Agreement of Mortgage Loans for the
            related Loan Package; and

      3.    an Initial Certification, as required under the Custody Agreement.

      SECTION 10. Costs. The Purchaser shall pay any commissions due its
salesmen, the legal fees and expenses of its attorneys and the costs and
expenses associated with the Custodian. The Seller shall be responsible for
reasonable costs and expenses associated with any preparation and recording of
the initial Assignments of Mortgage. All other costs and expenses incurred in
connection with the transfer and delivery of the Mortgage Loans, including fees
for title policy endorsements and continuations and the Seller's attorney fees,
shall be paid by the Seller.

      SECTION 11. Servicing. The Mortgage Loans shall be serviced by the Seller
in accordance with the terms of the Master Seller's Warranties and Servicing
Agreement. The Seller shall be entitled to servicing fees calculated as provided
therein, at the Servicing Fee Rate.

      SECTION 12. Financial Statements. The Seller understands that in
connection with the Purchaser's marketing of the Mortgage Loans, the Purchaser
shall make available to prospective purchasers a Consolidated Statement of
Operations of the Seller for the most recently completed two fiscal years
respecting which such a statement is available, as well as a Consolidated
Statement of Condition at the end of the last two fiscal years covered by such
Consolidated Statement of Operations. The Purchaser shall also make available
any comparable interim statements to the extent any such statements have been
prepared by the Seller in a format intended or otherwise suitable for the public
at large. The Seller, if it has not already done so, agrees to furnish promptly
to the Purchaser copies of the statements specified above. The Seller shall also
make available information on its servicing performance with respect to loans in
its own portfolio and loans serviced for others (if any), including loss and
delinquency ratios.

      The Seller also agrees to allow access to a knowledgeable (as shall be
determined by the Seller) financial or accounting officer for the purpose of
answering questions asked by the Purchaser or any prospective purchaser
regarding recent developments affecting the Seller or the financial statements
of the Seller.

      SECTION 13. Mandatory Delivery. The sale and delivery on each Closing Date
of the related Mortgage Loans described on the respective Mortgage Loan
Schedules is mandatory, it being specifically understood and agreed that each
Mortgage Loan is unique and identifiable on such Closing Date and that an award
of money damages would be insufficient to compensate the Purchaser for the
losses and damages incurred by the Purchaser (including damages to prospective
purchasers of the Mortgage Loans) in the event of the Seller's failure to
deliver the Mortgage Loans on or before such Closing Date. All rights and
remedies of the Purchaser under this Agreement are distinct from, and cumulative
with, any other rights or remedies under this

Agreement or afforded by law or equity and all such rights and remedies may be
exercised concurrently, independently or successively.

      SECTION 14. Notices. All demands, notices and communications hereunder
shall be in writing and shall be deemed to have been duly given if mailed, by
registered or certified mail, return receipt requested, or, if by other means,
when received by the other party at the address shown on the first page hereof,
or such other address as may hereafter be furnished to the other party by like
notice. Any such demand, notice of communication hereunder shall be deemed to
have been received on the date delivered to or received at the premises of the
addressee (as evidenced, in the case of registered or certified mail, by the
date noted on the return receipt).

      SECTION 15. Severability Clause. Any part, provision, representation or
warranty of this Agreement which is prohibited or which is held to be void or
unenforceable shall be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof. Any part,
provision, representation or warranty of this Agreement which is prohibited or
unenforceable or is held to be void or unenforceable in any jurisdiction shall
be ineffective, as to such jurisdiction, to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction as to any Mortgage Loan
shall not invalidate or render unenforceable such provision in any other
jurisdiction. To the extent permitted by applicable law, the parties hereto
waive any provision of law which prohibits or renders void or unenforceable any
provision hereof. If the invalidity of any part, provision, representation or
warranty of this Agreement shall deprive any party of the economic benefit
intended to be conferred by this Agreement, the parties shall negotiate, in
good-faith, to develop a structure the economic effect of which is as close as
possible to the economic effect of this Agreement without regard to such
invalidity.

      SECTION 16. Counterparts. This Agreement may be executed simultaneously in
any number of counterparts. Each counterpart shall be deemed to be an original,
and all such counterparts shall constitute one and the same instrument.

      SECTION 17. Place of Delivery and Governing Law. This Agreement shall be
deemed in effect when a fully executed counterpart thereof is received by the
Purchaser in North Carolina and shall be deemed to have been made in North
Carolina. The Agreement 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 the laws of the State of New
York, except to the extent preempted by Federal Law. In the event a claim or
controversy arises concerning the interpretation or enforcement of the terms of
this Agreement, the Purchaser and the Seller agree that such claim or
controversy may be settled by final, binding arbitration if the Purchaser and
the Seller, as applicable, consent to such arbitration at the time such claim or
controversy arises which consent may be withheld by the Purchaser or the Seller
in their sole discretion.

      Each of the Seller and the Purchaser hereby knowingly, voluntarily and
intentionally waives any and all rights it may have to a trial by jury in
respect of any litigation based on, or arising out of, under, or in connection
with this Agreement, or any other documents and instruments executed in
connection herewith, or any course of conduct, course of dealing,

statements (whether oral or written), or actions of the Seller or the Purchaser.
This provision is a material inducement for the Purchaser to enter into this
Agreement.

      SECTION 18. Further Agreements. The Purchaser and the Seller each agree to
execute and deliver to the other such additional documents, instruments or
agreements as may be necessary or appropriate to effectuate the purposes of this
Agreement.

      Without limiting the generality of the foregoing, the Seller shall
reasonably cooperate with the Purchaser in connection with the initial resales
of the Mortgage Loans by the Purchaser. In that connection, the Seller shall
provide to the Purchaser: (i) any and all information and appropriate
verification of information, whether through letters of its auditors and counsel
or otherwise, as the Purchaser shall reasonably request, and (ii) such
additional representations, warranties, covenants, opinions of counsel, letters
from auditors and certificates of public officials or officers of the Seller as
are reasonably believed necessary by the Purchaser in connection with such
resales. The requirement of the Seller pursuant to (ii) above shall terminate on
the Closing Date, except as provided pursuant to Article IX of the Master
Seller's Warranties and Servicing Agreement. Prior to incurring any
out-of-pocket expenses pursuant to this paragraph, the Seller shall notify the
Purchaser in writing of the estimated amount of such expense. The Purchaser
shall reimburse the Seller for any such expense following its receipt of
appropriate details thereof.

      SECTION 19. Intention of the Parties. It is the intention of the parties
that the Purchaser is purchasing, and the Seller is selling, an undivided 100%
ownership interest in the Mortgage Loans and not a debt instrument of the Seller
or another security. Accordingly, the parties hereto each intend to treat the
transaction for Federal income tax purposes as a sale by the Seller, and a
purchase by the Purchaser, of the Mortgage Loans. The Purchaser shall have the
right to review the Mortgage Loans and the related Mortgage Loan Files to
determine the characteristics of the Mortgage Loans which shall affect the
Federal income tax consequences of owning the Mortgage Loans and the Seller
shall cooperate with all reasonable requests made by the Purchaser in the course
of such review.

      SECTION 20. Successors and Assigns; Assignment of Purchase Agreement. This
Agreement shall bind and inure to the benefit and be enforceable by the Seller
and the Purchaser and the respective successors and assigns of the Seller and
the Purchaser. This Agreement shall not be assigned, pledged or hypothecated by
the Seller to a third party without the consent of the Purchaser.

      SECTION 21. Waivers; Other Agreements. No term or provision of this
Agreement may be waived or modified unless such waiver or modification is in
writing and signed by the party against whom such waiver or modification is
sought to be enforced.

      SECTION 22. Exhibits. The exhibits to this Agreement are hereby
incorporated and made a part hereof and are an integral part of this Agreement.

      SECTION 23. General Interpretive Principles. For purposes of this
Agreement, except as otherwise expressly provided or unless the context
otherwise requires:

      a)    the terms defined in this Agreement have the meanings assigned to
      them in this Agreement and include the plural as well as the singular, and
      the use of any gender herein shall be deemed to include the other gender;

      b)    accounting terms not otherwise defined herein have the meanings
      assigned to them in accordance with generally accepted accounting
      principles;

      c)    references herein to "Articles", "Sections", "Subsections",
      "Paragraphs", and other subdivisions without reference to a document are
      to designated Articles, Sections, Subsections, Paragraphs and other
      subdivisions of this Agreement;

      d)    a reference to a Subsection without further reference to a Section
      is a reference to such Subsection as contained in the same Section in
      which the reference appears, and this rule shall also apply to Paragraphs
      and other subdivisions;

      e)    the words "herein", "hereof", "hereunder" and other words of similar
      import refer to this Agreement as a whole and not to any particular
      provision; and

      f)    the term "include" or "including" shall mean without limitation by
      reason of enumeration.

      SECTION 24. Reproduction of Documents. This Agreement and all documents
relating thereto, including, without limitation, (a) consents, waivers and
modifications which may hereafter be executed, (b) documents received by any
party at the closing, and (c) financial statements, certificates and other
information previously or hereafter furnished, may be reproduced by any
photographic, photostatic, microfilm, micro-card, miniature photographic or
other similar process. The parties agree that any such reproduction shall be
admissible in evidence as the original itself in any judicial or administrative
proceeding, whether or not the original is in existence and whether or not such
reproduction was made by a party in the regular course of business, and that any
enlargement, facsimile or further reproduction of such reproduction shall
likewise be admissible in evidence.

                               [Signatures Follow]

      IN WITNESS WHEREOF, the Seller and the Purchaser have caused their names
to be signed hereto by their respective officers thereunto duly authorized as of
the date first above written.

                                            BANK OF AMERICA, NATIONAL
                                            ASSOCIATION
                                            (Purchaser)

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

                                            WELLS FARGO BANK, N.A.
                                            (Seller)

                                            By:    /s/ Susan Hughes
                                               --------------------------------
                                            Name:  Susan Hughes
                                            -----------------------------------
                                            Title: Vice President
                                            -----------------------------------

                                    EXHIBIT 1

                           FORM OF OPINION OF COUNSEL

@
@
@
@

Re: Mortgage Loan Sale by Wells Fargo Bank, N.A. (the "Company") to _________
(the "Purchaser") of fixed rate and adjustable rate first lien mortgage loans
(the "Mortgage Loans") pursuant to that certain Amended and Restated Master
Seller's Warranties and Servicing Agreement and Amended and Restated Master
Mortgage Loan Purchase Agreement by and between the Company and the Purchaser,
dated as of December 1, 2005.

Dear Sir/Madam:

I am @ of Wells Fargo Bank, N.A. and have acted as counsel to Wells Fargo Bank,
N.A. (the "Company"), with respect to certain matters in connection with the
sale by the Company of Mortgage Loans pursuant to that certain Amended and
Restated Master Seller's Warranties and Servicing Agreement and Amended and
Restated Master Mortgage Loan Purchase Agreement by and between the Company and
@ (the "Purchaser"), dated as of December 1, 2005, (the "Agreements"), which
sale is in the form of whole Mortgage Loans. Capitalized terms not otherwise
defined herein have the meanings set forth in the Amended and Restated Master
Seller's Warranties and Servicing Agreement.

I have examined the following documents:

      1.    the Amended and Restated Master Seller's Warranties and Servicing
            Agreement;

      2.    the Amended and Restated Master Mortgage Loan Purchase Agreement;

      3.    the Custody Agreement;

      4.    the form of endorsement of the Mortgage Notes; and

      5.    such other documents, records and papers as I have deemed necessary
            and relevant as a basis for this opinion.

To the extent I have deemed necessary and proper, I have relied upon the
representations and warranties of the Company contained in the Agreements. I
have assumed the authenticity of all documents submitted to me as originals, the
genuineness of all signatures, the legal capacity of natural persons and the
conformity to the originals of all documents.

                                        1

Based upon the foregoing, it is my opinion that:

      1.    The Company is a national banking association duly organized,
            validly existing and in good standing under the laws of the United
            States.

      2.    The Company has the power to engage in the transactions contemplated
            by the Agreements, the Custody Agreement and all requisite power,
            authority and legal right to execute and deliver the Agreements, the
            Custody Agreement and the Mortgage Loans, and to perform and observe
            the terms and conditions of such instruments.

      3.    Each person who, as an officer or attorney-in-fact of the Company,
            signed (a) the Agreements, each dated as of December 1, 2005, by and
            between the Company and the Purchaser, and (b) any other document
            delivered prior hereto or on the date hereof in connection with the
            sale and servicing of the Mortgage Loans in accordance with the
            Agreements was, at the respective times of such signing and
            delivery, and is, as of the date hereof, duly elected or appointed,
            qualified and acting as such officer or attorney-in-fact, and the
            signatures of such persons appearing on such documents are their
            genuine signatures.

      4.    Each of the Agreements, the Custody Agreement, and the Mortgage
            Loans, have been duly authorized, executed and delivered by the
            Company and are a legal, valid and binding agreement enforceable in
            accordance with its terms, subject to the effect of insolvency,
            liquidation, conservatorship and other similar laws administered by
            the Federal Deposit Insurance Corporation affecting the enforcement
            of contract obligations of insured banks and subject to the
            application of the rules of equity, including those respecting the
            availability of specific performance, none of which will materially
            interfere with the realization of the benefits provided thereunder
            or with the Purchaser's ownership of the Mortgage Loans.

      5.    The Company has been duly authorized to allow any of its officers to
            execute any and all documents by original or facsimile signature in
            order to complete the transactions contemplated by the Agreements
            and the Custody Agreement and in order to execute the endorsements
            to the Mortgage Notes and the assignments of the Mortgages, and the
            original or facsimile signature of the officer at the Company
            executing the Agreements, the Custody Agreement, the endorsements to
            the Mortgage Notes and the assignments of the Mortgages represents
            the legal and valid signature of said officer of the Company.

      6.    Either (i) no consent, approval, authorization or order of any court
            or governmental agency or body is required for the execution,
            delivery and performance by the Company of or compliance by the
            Company with the Agreements, the Custody Agreement or the sale and
            delivery of the Mortgage Loans or the consummation of the
            transactions contemplated by the Agreements and the Custody
            Agreement; or (ii) any required consent, approval, authorization or
            order has been obtained by the Company.

                                        2

      7.    Neither the consummation of the transactions contemplated by, nor
            the fulfillment of the terms of the Agreements and the Custody
            Agreement, will conflict with or results in or will result in a
            breach of or constitutes or will constitute a default under the
            charter or by-laws of the Company, the terms of any indenture or
            other agreement or instrument to which the Company is a party or by
            which it is bound or to which it is subject, or violates any statute
            or order, rule, regulations, writ, injunction or decree of any
            court, governmental authority or regulatory body to which the
            Company is subject or by which it is bound.

      8.    There is no action, suit, proceeding or investigation pending or, to
            the best of my knowledge, threatened against the Company which, in
            my opinion, either in any one instance or in the aggregate, may
            result in any material adverse change in the business, operations,
            financial condition, properties or assets of the Company or in any
            material impairment of the right or ability of the Company to carry
            on its business substantially as now conducted or in any material
            liability on the part of the Company or which would draw into
            question the validity of the Agreements, and the Custody Agreement,
            or of any action taken or to be taken in connection with the
            transactions contemplated thereby, or which would be likely to
            impair materially the ability of the Company to perform under the
            terms of the Agreements and the Custody Agreement.

      9.    For purposes of the foregoing, I have not regarded any legal or
            governmental actions, investigations or proceedings to be
            "threatened" unless the potential litigant or governmental authority
            has manifested to the legal department of the Company or an employee
            of the Company responsible for the receipt of process a present
            intention to initiate such proceedings; nor have I regarded any
            legal or governmental actions, investigations or proceedings as
            including those that are conducted by state or federal authorities
            in connection with their routine regulatory activities. The sale of
            each Mortgage Note and Mortgage as and in the manner contemplated by
            the Agreements is sufficient fully to transfer all right, title and
            interest of the Company thereto as noteholder and mortgagee, apart
            from the rights to service the Mortgage Loans pursuant to the
            Agreements.

      10.   The form of endorsement that is to be used with respect to the
            Mortgage Loans is legally valid and sufficient to duly endorse the
            Mortgage Notes to the Purchaser. Upon the completion of the
            endorsement of the Mortgage Notes and the completion of the
            assignments of the Mortgages, and the recording thereof, the
            endorsement of the Mortgage Notes, the delivery to the Custodian of
            the completed assignments of the Mortgages, and the delivery of the
            original endorsed Mortgage Notes to the Custodian would be
            sufficient to permit the entity to which such Mortgage Note is
            initially endorsed at the Purchaser's direction, and to whom such
            assignment of Mortgages is initially assigned at the Purchaser's
            direction, to avail itself of all protection available under
            applicable law against the claims of any present or future creditors
            of the Company, and would be sufficient to prevent any other sale,
            transfer, assignment, pledge or hypothecation of the Mortgages and
            the Mortgage Notes by the Company from being enforceable.

                                        3

This opinion is given to you for your sole benefit, and no other person or
entity is entitled to rely hereon except that the purchaser or purchasers to
which you initially and directly resell the Mortgage Loans may rely on this
opinion as if it were addressed to them as of its date.

Sincerely,

@
@

@/@

                                        4EXECUTION VERSION

                ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

      ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT (the "Agreement"), dated
March 30, 2006, is among Bank of America, National Association, a national
banking association ("Assignor"), Banc of America Funding Corporation, a
Delaware corporation ("BAFC"), U.S. Bank National Association, a national
banking association, as trustee of the Banc of America Funding 2006-3 Trust
("Assignee"), Wells Fargo Bank, N.A., a national banking association ("Wells
Fargo Bank"), as servicer and acknowledged by Wells Fargo Bank, N.A. as master
servicer of the Banc of America Funding 2006-3 Trust.

      WHEREAS, pursuant to (i) that certain Master Seller's Warranties and
Servicing Agreement, dated as of March 1, 2005 (as amended and restated on
December 1, 2005, the "March MSWSA"), by and between Assignor, as purchaser, and
Wells Fargo Bank, as seller and servicer, (ii) that certain Master Mortgage Loan
Purchase Agreement, dated as of March 1, 2005 (as amended and restated on
December 1, 2005, the "March MMLPA"), by and between Assignor, as purchaser, and
Wells Fargo Bank, as seller, (iii) that certain Amended and Restated Master
Seller's Warranties and Servicing Agreement, dated as of December 1, 2005 (the
"December MSWSA"), by and between Assignor, as purchaser, and Wells Fargo Bank,
as seller and servicer, (iv) that certain Amended and Restated Master Mortgage
Loan Purchase Agreement, dated as of December 1, 2005 (the "December MMLPA"), by
and between Assignor, as purchaser, and Wells Fargo Bank, as seller, (v) that
certain Assignment and Conveyance Agreement, dated as of August 26, 2005, by and
between Assignor and Wells Fargo Bank, (vi) that certain Assignment and
Conveyance Agreement, dated as of September 27, 2005, by and between Assignor
and Wells Fargo Bank, (vii) that certain Assignment and Conveyance Agreement,
dated as of October 26, 2005, by and between Assignor and Wells Fargo Bank,
(viii) that certain Assignment and Conveyance Agreement, dated as of December
15, 2005, by and between Assignor and Wells Fargo Bank and (ix) that certain
Assignment and Conveyance Agreement, dated as of January 27, 2006, by and
between Assignor and Wells Fargo Bank (collectively, with the March MSWSA, the
March MMLPA, the December MSWSA and the December MMLPA, the "Purchase and
Servicing Agreements"), each of which is attached in Appendix I hereto, the
Assignor purchased the Mortgage Loans (as defined herein) from Wells Fargo Bank
and Wells Fargo Bank currently services the Mortgage Loans;

      WHEREAS, on the date hereof, the Assignor is transferring all of its
right, title and interest in and to the Mortgage Loans to BAFC;

      WHEREAS, on the date hereof, BAFC is transferring all of its right, title
and interest in and to the Mortgage Loans to the Assignee; and

      WHEREAS, on the date hereof, Wells Fargo Bank, N.A., as master servicer
(in such capacity, the "Master Servicer") and as securities administrator (in
such capacity, the "Securities Administrator"), is entering into a Pooling and
Servicing Agreement, dated the date hereof (the "Pooling Agreement"), among
BAFC, the Master Servicer, the Securities Administrator and the Assignee,
pursuant to which the Master Servicer shall supervise, monitor and oversee the
servicing of the Mortgage Loans.

      For and in consideration of the sum of one dollar ($1.00) and other
valuable consideration the receipt and sufficiency of which are hereby
acknowledged, and of the mutual covenants herein contained, the parties hereto
hereby agree as follows:

      1.    The Assignor hereby grants, transfers and assigns to BAFC, and BAFC
hereby grants, transfers and assigns to Assignee, all of the right, title and
interest of the Assignor in, to and under the Purchase and Servicing Agreements,
and the mortgage loans delivered under such agreement by Wells Fargo Bank to the
Assignor and listed on Exhibit A attached hereto (the "Mortgage Loans").

      The Assignor specifically reserves and does not assign to BAFC or the
Assignee any right, title and interest in, to or under any mortgage loan subject
to the Purchase and Servicing Agreements other than the Mortgage Loans.

      2.    The Assignor warrants and represents to, and covenants with, BAFC
and the Assignee that:

            a.      The Assignor is the lawful owner of the Mortgage Loans with
the full right to transfer the Mortgage Loans free from any and all claims and
encumbrances whatsoever;

            b.      The Assignor has not received notice of, and has no
knowledge of, any offsets, counterclaims or other defenses available to Wells
Fargo Bank with respect to the Purchase and Servicing Agreements or the Mortgage
Loans;

            c.      The Assignor has not waived or agreed to any waiver under,
or agreed to any amendment or other modification of, the Purchase and Servicing
Agreements or the Mortgage Loans, including without limitation the transfer of
the servicing obligations under the Purchase and Servicing Agreements. The
Assignor has no knowledge of, and has not received notice of, any waivers under
or amendments or other modifications of, or assignments of rights or obligations
under, the Purchase and Servicing Agreements or the Mortgage Loans; and

            d.      Neither the Assignor nor anyone acting on its behalf has
offered, transferred, pledged, sold or otherwise disposed of the Mortgage Loans,
any interest in the Mortgage Loans or any other similar security to, or
solicited any offer to buy or accept a transfer, pledge or other disposition of
the Mortgage Loans, any interest in the Mortgage Loans or any other similar
security from, or otherwise approached or negotiated with respect to the
Mortgage Loans, any interest in the Mortgage Loans or any other similar security
with, any person in any manner, or made any general solicitation by means of
general advertising or in any other manner, or taken any other action which

                                        2

would constitute a distribution of the Mortgage Loans under the Securities Act
of 1933 (the "33 Act") or which would render the disposition of the Mortgage
Loans a violation of Section 5 of the 33 Act or require registration pursuant
thereto.

      3.    From and after the date hereof, Wells Fargo Bank shall note the
transfer of the Mortgage Loans to the Assignee in its books and records, and
Wells Fargo Bank shall recognize the Assignee as the owner of the Mortgage
Loans. Notwithstanding anything to the contrary contained in Section 9.01 of the
December MSWSA, Wells Fargo Bank shall service the Mortgage Loans pursuant to
the December MSWSA as modified by Section 7 of this Agreement, for the benefit
of the Assignee.

      4.    Wells Fargo Bank hereby represents and warrants to each of the other
parties hereto (i) that the representations and warranties of Wells Fargo Bank
in Section 3.01 of the December MSWSA are true and correct in all material
respects as of the date hereof with the same force and effect as though
expressly made at and/or as of the date hereof, (ii) that it has serviced the
Mortgage Loans in accordance with the terms of the December MSWSA, as
applicable, and (iii) that it has taken no action nor omitted to take any
required action the omission of which would have the effect of impairing any
mortgage insurance or guarantee on the Mortgage Loans.

      5.    [Reserved]

      6.    In accordance with Sections 2.03 and 9.01 of the December MSWSA, the
Assignor hereby instructs Wells Fargo Bank, and Wells Fargo Bank hereby agrees,
to release from its custody and deliver the Custodial Mortgage File (as defined
in the December MSWSA) for each Mortgage Loan to the Assignee, or a custodian on
its behalf under the Pooling Agreement, at the address set forth in Section 8
herein on or before the closing date of the related Securitization Transaction
(as defined in the December MSWSA).

      7.    Wells Fargo Bank, BAFC and the Assignee hereby agree to the
following modifications to the December MSWSA:

      a.    Regarding the Regulation AB (as defined in the December MSWSA)
            provisions set forth in the December MSWSA, Wells Fargo Bank hereby
            agrees to comply with and provide, as mutually agreed upon between
            Wells Fargo Bank and the Master Servicer, the information with
            respect to Wells Fargo Bank and all of the Mortgage Loans required
            by the Master Servicer in order for the Master Servicer to agree to
            be obligated to file reports with the Commission on behalf of the
            related trust.

      b.    Section 5.02. Section 5.02 is hereby modified to read as follows:

            "Not later than the fifth (5th) Business Day of each month, the
            Company shall furnish to the Purchaser (or any master servicer) a
            delinquency report in the form set forth in Exhibit G-1, a monthly
            remittance advice in the form set forth in Exhibit G-2, and a
            realized loss report in the form set forth in Exhibit G-3, each in a
            mutually agreeable electronic format, as to

                                        3

            the remittance on such Remittance Date and as to the period ending
            on the last day of the month preceding such Remittance Date. The
            information required by Exhibit G-1 is limited to that which is
            readily available to the Company and is mutually agreed to by the
            Company and the Purchaser (or any master servicer)."

            The exhibits referenced in this Section 7 are attached to this
            Agreement as Exhibit B hereto.

      c.    Section 6.04. Section 6.04 is hereby modified by deleting the
            paragraph (i) in its entirety. In addition the phrases "the
            Purchaser and any Depositor" and "the Purchaser and such Depositor"
            are deleted and replaced with "the Master Servicer".

      d.    Section 6.05. Section 6.05 is hereby modified by deleting the last
            sentence of such section in its entirety.

      e.    Section 6.06. Section 6.06 is hereby modified by deleting the
            phrases "the Purchaser and any Depositor" and "the Purchaser and
            such Depositor" and replacing them with "the Master Servicer".

      f.    Section 10.01. Section 10.01(ii) is hereby modified by inserting the
            following after the word "thirty":

            "(or, in the case of any failure by the Company to perform its
            obligations under Section 6.04 or Section 6.06, ten)"

      g.    For purposes of clarification, the Servicing Fee Rate is equal to
            0.250% per annum.

      8.    The Assignee's address for purposes of all notices and
correspondence related to the Mortgage Loans and the Purchase and Servicing
Agreements is:

                    U.S. Bank National Association
                    209 S. LaSalle Street,
                    Suite 300 Chicago, Illinois 60604
                    Attention: Structured Finance Trust Services, BAFC 2006-3

      BAFC's address for purposes of all notices and correspondence related to
the Mortgage Loans is:

                    Banc of America Funding Corporation
                    214 North Tryon Street
                    Charlotte, North Carolina 28255
                    Attention: General Counsel and Chief Financial Officer

                                        4

      9.    Wells Fargo Bank shall remit all funds pursuant to the following
wire instructions:

                    WELLS FARGO BANK, N.A.
                    ABA# 121000248
                    FOR CREDIT TO: SAS CLEARING, ACCT: 3970771416
                    FFC TO: BAFC 2006-3 # 50906900

      10.   Wells Fargo Bank hereby acknowledges that Wells Fargo Bank, N.A. has
been appointed as the Master Servicer of the Mortgage Loans pursuant to the
Pooling Agreement, and therefore has the right to enforce all obligations of
Wells Fargo Bank, as they relate to the Mortgage Loans, under the Purchase and
Servicing Agreements. Such right will include, without limitation, the right to
exercise any and all rights of the Assignor (but not the obligations) under the
Purchase and Servicing Agreements to monitor and enforce the obligations of
Wells Fargo Bank thereunder, the right to terminate Wells Fargo Bank under the
Agreement upon the occurrence of an event of default thereunder, the right to
receive all remittances required to be made by Wells Fargo Bank under the
Purchase and Servicing Agreements, the right to receive all monthly reports and
other data required to be delivered by Wells Fargo Bank under the Purchase and
Servicing Agreements, the right to examine the books and records of Wells Fargo
Bank, indemnification rights, and the right to exercise certain rights of
consent and approval relating to actions taken by Wells Fargo Bank.

                               [Signatures Follow]

                                        5

      IN WITNESS WHEREOF, the parties have caused this Assignment, Assumption
and Recognition Agreement to be executed by their duly authorized officers as of
the date first above written.

                                        Bank of America, National Association,
                                        as Assignor

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

                                        U.S. Bank National
                                        Association, as Assignee

                                        By:          /s/ Melissa A. Rosal
                                             -----------------------------------
                                             Name:   Melissa A. Rosal
                                             Title:  Vice President

                                        Banc of America Funding Corporation

                                        By:          /s/ Scott Evans
                                             -----------------------------------
                                             Name:   Scott Evans
                                             Title:  Senior Vice President

                                        Wells Fargo Bank, N.A., as servicer

                                        By:          /s/ Patrick Greene
                                             -----------------------------------
                                             Name:   Patrick Greene
                                             Title:  Senior Vice President

Acknowledged and Agreed as
of the date first written above:

Wells Fargo Bank, N.A., as Master Servicer

By:     /s/ Peter A. Gobell
    -------------------------------
Name:   Peter A. Gobell
Title:  Vice President

       [ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT FOR BAFC 2006-3]

                                    EXHIBIT A

                           Schedule of Mortgage Loans

                                       A-1

                                    EXHIBIT B

EXHIBIT G-1 STANDARD FILE LAYOUT - DELINQUENCY REPORTING

------------------------------------------------------------------------------------------------------------
COLUMN/HEADER NAME                             DESCRIPTION                     DECIMAL       FORMAT COMMENT
------------------------------------------------------------------------------------------------------------

SERVICER_LOAN_NBR              A unique number assigned to a loan by the
                               Servicer. This may be different than the
                               LOAN_NBR

------------------------------------------------------------------------------------------------------------
LOAN_NBR                       A unique identifier assigned to each loan
                               by the originator.

------------------------------------------------------------------------------------------------------------
CLIENT_NBR                     Servicer Client Number

------------------------------------------------------------------------------------------------------------
SERV_INVESTOR_NBR              Contains a unique number as assigned by
                               an external servicer to identify a group
                               of loans in their system.

------------------------------------------------------------------------------------------------------------
BORROWER_FIRST_NAME            First Name of the Borrower.

------------------------------------------------------------------------------------------------------------
BORROWER_LAST_NAME             Last name of the borrower.

------------------------------------------------------------------------------------------------------------
PROP_ADDRESS                   Street Name and Number of Property

------------------------------------------------------------------------------------------------------------
PROP_STATE                     The state where the  property located.

------------------------------------------------------------------------------------------------------------
PROP_ZIP                       Zip code where the property is located.

------------------------------------------------------------------------------------------------------------
BORR_NEXT_PAY_DUE_DATE         The date that the borrower's next payment
                               MM/DD/YYYY is due to the servicer at the
                               end of processing cycle, as reported by
                               Servicer.

------------------------------------------------------------------------------------------------------------
LOAN_TYPE                      Loan Type (i.e. FHA, VA, Conv)

------------------------------------------------------------------------------------------------------------
BANKRUPTCY_FILED_DATE          The date a particular bankruptcy claim was                   MM/DD/YYYY
                               filed.

------------------------------------------------------------------------------------------------------------
BANKRUPTCY_CHAPTER_CODE        The chapter under which the bankruptcy
                               was filed.

------------------------------------------------------------------------------------------------------------
BANKRUPTCY_CASE_NBR            The case number assigned by the court to
                               the bankruptcy filing.

------------------------------------------------------------------------------------------------------------
POST_PETITION_DUE_DATE         The payment due date once the bankruptcy                     MM/DD/YYYY
                               has been approved by the courts

------------------------------------------------------------------------------------------------------------
BANKRUPTCY_DCHRG_DISM_DATE     The Date The Loan Is Removed From                            MM/DD/YYYY
                               Bankruptcy. Either by Dismissal, Discharged
                               and/or a Motion For Relief Was Granted.

------------------------------------------------------------------------------------------------------------
LOSS_MIT_APPR_DATE             The Date The Loss Mitigation Was Approved                    MM/DD/YYYY
                               By The Servicer

------------------------------------------------------------------------------------------------------------
LOSS_MIT_TYPE                  The Type Of Loss Mitigation Approved For A
                               Loan Such As;

------------------------------------------------------------------------------------------------------------
LOSS_MIT_EST_COMP_DATE         The Date The Loss Mitigation /Plan Is                        MM/DD/YYYY
                               Scheduled To End/Close

------------------------------------------------------------------------------------------------------------
LOSS_MIT_ACT_COMP_DATE         The Date The Loss Mitigation Is Actually                     MM/DD/YYYY
                               Completed

------------------------------------------------------------------------------------------------------------
FRCLSR_APPROVED_DATE           The date DA Admin sends a letter to the
                               MM/DD/YYYY servicer with instructions to
                               begin foreclosure proceedings.

------------------------------------------------------------------------------------------------------------
ATTORNEY_REFERRAL_DATE         Date File Was Referred To Attorney to                        MM/DD/YYYY
                               Pursue Foreclosure

------------------------------------------------------------------------------------------------------------
FIRST_LEGAL_DATE               Notice of 1st legal filed by an Attorney in                  MM/DD/YYYY
                               a Foreclosure Action

------------------------------------------------------------------------------------------------------------

                                       B-1

------------------------------------------------------------------------------------------------------------
FRCLSR_SALE_EXPECTED_DATE      The date by which a foreclosure sale is                      MM/DD/YYYY
                               expected to occur.

------------------------------------------------------------------------------------------------------------
FRCLSR_SALE_DATE               The actual date of the foreclosure sale.                     MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
FRCLSR_SALE_AMT                The amount a property sold for at the              2         No commas(,) or
                               foreclosure sale.                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
EVICTION_START_DATE            The date the servicer initiates eviction of                  MM/DD/YYYY
                               the borrower.

------------------------------------------------------------------------------------------------------------
EVICTION_COMPLETED_DATE        The date the court revokes legal
                               possession MM/DD/YYYY of the property
                               from the borrower.

------------------------------------------------------------------------------------------------------------
LIST_PRICE                     The price at which an REO property is              2         No commas(,) or
                               marketed.                                                    dollar signs ($)

------------------------------------------------------------------------------------------------------------
LIST_DATE                      The date an REO property is listed at a                      MM/DD/YYYY
                               particular price.

------------------------------------------------------------------------------------------------------------
OFFER_AMT                      The dollar value of an offer for an REO            2         No commas(,) or
                               property.                                                    dollar signs ($)

------------------------------------------------------------------------------------------------------------
OFFER_DATE_TIME                The date an offer is received by DA Admin                    MM/DD/YYYY
                               or by the Servicer.

------------------------------------------------------------------------------------------------------------
REO_CLOSING_DATE               The date the REO sale of the property is                     MM/DD/YYYY
                               scheduled to close.

------------------------------------------------------------------------------------------------------------
REO_ACTUAL_CLOSING_DATE        Actual Date Of REO Sale                                      MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
OCCUPANT_CODE                  Classification of how the property is
                               occupied.

------------------------------------------------------------------------------------------------------------
PROP_CONDITION_CODE            A code that indicates the condition of
                               the property.

------------------------------------------------------------------------------------------------------------
PROP_INSPECTION_DATE           The date a  property inspection is                           MM/DD/YYYY
                               performed.

------------------------------------------------------------------------------------------------------------
APPRAISAL_DATE                 The date the appraisal was done.                             MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
CURR_PROP_VAL                  The current "as is" value of the property
                               2 based on brokers price opinion or
                               appraisal.

------------------------------------------------------------------------------------------------------------
REPAIRED_PROP_VAL              The amount the property would be worth if          2
                               repairs are completed pursuant to a
                               broker's price opinion or appraisal.

------------------------------------------------------------------------------------------------------------
IF APPLICABLE:

------------------------------------------------------------------------------------------------------------
DELINQ_STATUS_CODE             FNMA Code Describing Status of Loan

------------------------------------------------------------------------------------------------------------
DELINQ_REASON_CODE             The circumstances which caused a borrower
                               to stop paying on a loan. Code indicates
                               the reason why the loan is in default for
                               this cycle.

------------------------------------------------------------------------------------------------------------
MI_CLAIM_FILED_DATE            Date Mortgage Insurance Claim Was Filed                      MM/DD/YYYY
                               With Mortgage Insurance Company.

------------------------------------------------------------------------------------------------------------
MI_CLAIM_AMT                   Amount of Mortgage Insurance Claim Filed                     No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
MI_CLAIM_PAID_DATE             Date Mortgage Insurance Company Disbursed                    MM/DD/YYYY
                               Claim Payment

------------------------------------------------------------------------------------------------------------
MI_CLAIM_AMT_PAID              Amount Mortgage Insurance Company Paid On          2         No commas(,) or
                               Claim                                                        dollar signs ($)

------------------------------------------------------------------------------------------------------------
POOL_CLAIM_FILED_DATE          Date Claim Was Filed With Pool Insurance                     MM/DD/YYYY
                               Company

------------------------------------------------------------------------------------------------------------
POOL_CLAIM_AMT                 Amount of Claim Filed With Pool Insurance          2         No commas(,) or
                               Company                                                      dollar signs ($)

------------------------------------------------------------------------------------------------------------
POOL_CLAIM_PAID_DATE           Date Claim Was Settled and The Check Was                     MM/DD/YYYY
                               Issued By The Pool Insurer

------------------------------------------------------------------------------------------------------------

                                       B-2

------------------------------------------------------------------------------------------------------------
POOL_CLAIM_AMT_PAID            Amount Paid On Claim By Pool Insurance             2         No commas(,) or
                               Company                                                      dollar signs ($)

------------------------------------------------------------------------------------------------------------
FHA_PART_A_CLAIM_FILED_DATE    Date FHA Part A Claim Was Filed With HUD                     MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
FHA_PART_A_CLAIM_AMT           Amount of FHA Part A Claim Filed                   2         No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
FHA_PART_A_CLAIM_PAID_DATE     Date HUD Disbursed Part A Claim Payment                      MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
FHA_PART_A_CLAIM_PAID_AMT      Amount HUD Paid on Part A Claim                    2         No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
FHA_PART_B_CLAIM_FILED_DATE    Date FHA Part B Claim Was Filed With HUD                     MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
FHA_PART_B_CLAIM_AMT           Amount of FHA Part B Claim Filed                   2         No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
FHA_PART_B_CLAIM_PAID_DATE     Date HUD Disbursed Part B Claim Payment                      MM/DD/YYYY

------------------------------------------------------------------------------------------------------------
FHA_PART_B_CLAIM_PAID_AMT      Amount HUD Paid on Part B Claim                    2         No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------
VA_CLAIM_FILED_DATE            Date VA Claim Was Filed With the Veterans                    MM/DD/YYYY
                               Admin

------------------------------------------------------------------------------------------------------------
VA_CLAIM_PAID_DATE             Date Veterans Admin. Disbursed VA Claim                      MM/DD/YYYY
                               Payment

------------------------------------------------------------------------------------------------------------
VA_CLAIM_PAID_AMT              Amount Veterans Admin. Paid on VA Claim            2         No commas(,) or
                                                                                            dollar signs ($)

------------------------------------------------------------------------------------------------------------

                                       B-3

EXHIBIT G-1: STANDARD FILE CODES - DELINQUENCY REPORTING

The LOSS MIT TYPE field should show the approved Loss Mitigation Code as
follows:
      o  ASUM- Approved Assumption
      o  BAP- Borrower Assistance Program
      o  CO- Charge Off
      o  DIL- Deed-in-Lieu
      o  FFA- Formal Forbearance Agreement
      o  MOD- Loan Modification
      o  PRE- Pre-Sale
      o  SS- Short Sale
      o  MISC- Anything else approved by the PMI or Pool Insurer

NOTE: Wells Fargo Bank will accept alternative Loss Mitigation Types to those
above, provided that they are consistent with industry standards. If Loss
Mitigation Types other than those above are used, the Servicer must supply Wells
Fargo Bank with a description of each of the Loss Mitigation Types prior to
sending the file.

The OCCUPANT CODE field should show the current status of the property code as
follows:
      o  Mortgagor
      o  Tenant
      o  Unknown
      o  Vacant

The PROPERTY CONDITION field should show the last reported condition of the
property as follows:
      o  Damaged
      o  Excellent
      o  Fair
      o  Gone
      o  Good
      o  Poor
      o  Special Hazard
      o  Unknown

                                       B-4

--------------------------------------------------------------------------------
EXHIBIT G-1: STANDARD FILE CODES - DELINQUENCY REPORTING, CONTINUED
--------------------------------------------------------------------------------

The FNMA DELINQUENT REASON CODE field should show the Reason for Delinquency as
follows:

              ------------------------------------------------------------------
              DELINQUENCY CODE         DELINQUENCY DESCRIPTION
              ------------------------------------------------------------------
              001                      FNMA-Death of principal mortgagor
              ------------------------------------------------------------------
              002                      FNMA-Illness of principal mortgagor
              ------------------------------------------------------------------
              003                      FNMA-Illness of mortgagor's family member
              ------------------------------------------------------------------
              004                      FNMA-Death of mortgagor's family member
              ------------------------------------------------------------------
              005                      FNMA-Marital difficulties
              ------------------------------------------------------------------
              006                      FNMA-Curtailment of income
              ------------------------------------------------------------------
              007                      FNMA-Excessive Obligation
              ------------------------------------------------------------------
              008                      FNMA-Abandonment of property
              ------------------------------------------------------------------
              009                      FNMA-Distant employee transfer
              ------------------------------------------------------------------
              011                      FNMA-Property problem
              ------------------------------------------------------------------
              012                      FNMA-Inability to sell property
              ------------------------------------------------------------------
              013                      FNMA-Inability to rent property
              ------------------------------------------------------------------
              014                      FNMA-Military Service
              ------------------------------------------------------------------
              015                      FNMA-Other
              ------------------------------------------------------------------
              016                      FNMA-Unemployment
              ------------------------------------------------------------------
              017                      FNMA-Business failure
              ------------------------------------------------------------------
              019                      FNMA-Casualty loss
              ------------------------------------------------------------------
              022                      FNMA-Energy environment costs
              ------------------------------------------------------------------
              023                      FNMA-Servicing problems
              ------------------------------------------------------------------
              026                      FNMA-Payment adjustment
              ------------------------------------------------------------------
              027                      FNMA-Payment dispute
              ------------------------------------------------------------------
              029                      FNMA-Transfer of ownership pending
              ------------------------------------------------------------------
              030                      FNMA-Fraud
              ------------------------------------------------------------------
              031                      FNMA-Unable to contact borrower
              ------------------------------------------------------------------
              INC                      FNMA-Incarceration
              ------------------------------------------------------------------

                                       B-5

--------------------------------------------------------------------------------
EXHIBIT G-1: STANDARD FILE CODES - DELINQUENCY REPORTING, CONTINUED
--------------------------------------------------------------------------------

The FNMA DELINQUENT STATUS CODE field should show the Status of Default as
follows:

              ------------------------------------------------------------
               STATUS CODE     STATUS DESCRIPTION
              ------------------------------------------------------------
                   09          Forbearance
              ------------------------------------------------------------
                   17          Pre-foreclosure Sale Closing Plan Accepted
              ------------------------------------------------------------
                   24          Government Seizure
              ------------------------------------------------------------
                   26          Refinance
              ------------------------------------------------------------
                   27          Assumption
              ------------------------------------------------------------
                   28          Modification
              ------------------------------------------------------------
                   29          Charge-Off
              ------------------------------------------------------------
                   30          Third Party Sale
              ------------------------------------------------------------
                   31          Probate
              ------------------------------------------------------------
                   32          Military Indulgence
              ------------------------------------------------------------
                   43          Foreclosure Started
              ------------------------------------------------------------
                   44          Deed-in-Lieu Started
              ------------------------------------------------------------
                   49          Assignment Completed
              ------------------------------------------------------------
                   61          Second Lien Considerations
              ------------------------------------------------------------
                   62          Veteran's Affairs-No Bid
              ------------------------------------------------------------
                   63          Veteran's Affairs-Refund
              ------------------------------------------------------------
                   64          Veteran's Affairs-Buydown
              ------------------------------------------------------------
                   65          Chapter 7 Bankruptcy
              ------------------------------------------------------------
                   66          Chapter 11 Bankruptcy
              ------------------------------------------------------------
                   67          Chapter 13 Bankruptcy
              ------------------------------------------------------------

                                       B-6

--------------------------------------------------------------------------------
EXHIBIT G-2: STANDARD FILE LAYOUT - SCHEDULED/SCHEDULED
--------------------------------------------------------------------------------

-----------------------------------------------------------------------------------------------------------------------------------
COLUMN NAME              DESCRIPTION                                           DECIMAL   FORMAT COMMENT                        MAX
                                                                                                                               SIZE
-----------------------------------------------------------------------------------------------------------------------------------

SER_INVESTOR_NBR         A value assigned by the Servicer to define a group              Text up to 10 digits                   20
                         of loans.
-----------------------------------------------------------------------------------------------------------------------------------
LOAN_NBR                 A unique identifier assigned to each loan by the                Text up to 10 digits                   10
                         investor.
-----------------------------------------------------------------------------------------------------------------------------------
SERVICER_LOAN_NBR        A unique number assigned to a loan by the Servicer.             Text up to 10 digits                   10
                         This may be different than the LOAN_NBR.
-----------------------------------------------------------------------------------------------------------------------------------
BORROWER_NAME            The borrower name as received in the file.  It is               Maximum length of                      30
                         not separated by first and last name.                           30 (Last, First)
-----------------------------------------------------------------------------------------------------------------------------------
SCHED_PAY_AMT            Scheduled monthly principal and scheduled interest       2      No commas(,) or                        11
                         payment that a borrower is expected to pay, P&I                 dollar signs ($)
                         constant.
-----------------------------------------------------------------------------------------------------------------------------------
NOTE_INT_RATE            The loan interest rate as reported by the Servicer.      4      Max length of 6                         6
-----------------------------------------------------------------------------------------------------------------------------------
NET_INT_RATE             The loan gross interest rate less the service fee        4      Max length of 6                         6
                         rate as reported by the Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
SERV_FEE_RATE            The servicer's fee rate for a loan as reported by        4      Max length of 6                         6
                         the Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
SERV_FEE_AMT             The servicer's fee amount for a loan as reported by      2      No commas(,) or                        11
                         the Servicer.                                                   dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
NEW_PAY_AMT              The new loan payment amount as reported by the           2      No commas(,) or                        11
                         Servicer.                                                       dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
NEW_LOAN_RATE            The new loan rate as reported by the Servicer.           4      Max length of 6                         6
-----------------------------------------------------------------------------------------------------------------------------------
ARM_INDEX_RATE           The index the Servicer is using to calculate a           4      Max length of 6                         6
                         forecasted rate.
-----------------------------------------------------------------------------------------------------------------------------------
ACTL_BEG_PRIN_BAL        The borrower's actual principal balance at the           2      No commas(,) or                        11
                         beginning of the processing cycle.                              dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
ACTL_END_PRIN_BAL        The borrower's actual principal balance at the end       2      No commas(,) or                        11
                         of the processing cycle.                                        dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
BORR_NEXT_PAY_DUE_DATE   The date at the end of processing cycle that the                MM/DD/YYYY                             10
                         borrower's next payment is due to the Servicer, as
                         reported by Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_1          The first curtailment amount to be applied.              2      No commas(,) or                        11
                                                                                         dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_1         The curtailment date associated with the first                  MM/DD/YYYY                             10
                         curtailment amount.
-----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_ AMT_1          The curtailment interest on the first curtailment        2      No commas(,) or                        11
                         amount, if applicable.                                          dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_2          The second curtailment amount to be applied.             2      No commas(,) or                        11
                                                                                         dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_2         The curtailment date associated with the second                 MM/DD/YYYY                             10
                         curtailment amount.
-----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_ AMT_2          The curtailment interest on the second curtailment       2      No commas(,) or                        11
                         amount, if applicable.                                          dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_AMT_3          The third curtailment amount to be applied.              2      No commas(,) or                        11
                                                                                         dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------

                                       B-7

-----------------------------------------------------------------------------------------------------------------------------------
SERV_CURT_DATE_3         The curtailment date associated with the third                  MM/DD/YYYY                             10
                         curtailment amount.
-----------------------------------------------------------------------------------------------------------------------------------
CURT_ADJ_AMT_3           The curtailment interest on the third                    2      No commas(,) or                        11
                         curtailment amount, if applicable.                              dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
PIF_AMT                  The loan "paid in full" amount as reported by            2      No commas(,) or                        11
                         the Servicer.                                                   dollar signs ($)
-----------------------------------------------------------------------------------------------------------------------------------
PIF_DATE                 The paid in full date as reported by the                        MM/DD/YYYY                             10
                         Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
                                                                                         Action Code Key: 15=Bankruptcy,         2
                                                                                         30=Foreclosure, , 60=PIF,
ACTION_CODE              The standard FNMA numeric code used to indicate the             63=Substitution,
                         default/delinquent status of a particular loan.                 65=Repurchase,70=REO
-----------------------------------------------------------------------------------------------------------------------------------
INT_ADJ_AMT              The amount of the interest adjustment as                 2      No commas(,) or dollar signs ($)       11
                         reported by the Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
SOLDIER_SAILOR_ADJ_AMT   The Soldier and Sailor Adjustment amount, if             2      No commas(,) or dollar signs ($)       11
                         applicable.
-----------------------------------------------------------------------------------------------------------------------------------
NON_ADV_LOAN_AMT         The Non Recoverable Loan Amount, if applicable.          2      No commas(,) or dollar signs ($)       11
-----------------------------------------------------------------------------------------------------------------------------------
LOAN_LOSS_AMT            The amount the Servicer is passing as a loss,            2      No commas(,) or dollar signs ($)       11
                         if applicable.
-----------------------------------------------------------------------------------------------------------------------------------
SCHED_BEG_PRIN_BAL       The scheduled outstanding principal amount due           2      No commas(,) or dollar signs ($)       11
                         at the beginning of the cycle date to be
                         passed through to investors.
-----------------------------------------------------------------------------------------------------------------------------------
SCHED_END_PRIN_BAL       The scheduled principal balance due to                   2      No commas(,) or dollar signs ($)       11
                         investors at the end of a processing cycle.
-----------------------------------------------------------------------------------------------------------------------------------
SCHED_PRIN_AMT           The scheduled principal amount as reported by            2      No commas(,) or dollar signs ($)       11
                         the Servicer for the current cycle -- only
                         applicable for Scheduled/Scheduled Loans.
-----------------------------------------------------------------------------------------------------------------------------------
SCHED_NET_INT            The scheduled gross interest amount less the             2      No commas(,) or dollar signs ($)       11
                         service fee amount for the current cycle as reported
                         by the Servicer -- only applicable for
                         Scheduled/Scheduled Loans.
-----------------------------------------------------------------------------------------------------------------------------------
ACTL_PRIN_AMT            The actual principal amount collected by the             2      No commas(,) or dollar signs ($)       11
                         Servicer for the current reporting cycle -- only
                         applicable for Actual/Actual Loans.
-----------------------------------------------------------------------------------------------------------------------------------
ACTL_NET_INT             The actual gross interest amount less the                2      No commas(,) or dollar signs ($)       11
                         service fee amount for the current reporting cycle
                         as reported by the Servicer -- only applicable for
                         Actual/Actual Loans.
-----------------------------------------------------------------------------------------------------------------------------------
PREPAY_PENALTY_ AMT      The penalty amount received when a borrower              2      No commas(,) or dollar signs ($)       11
                         prepays on his loan as reported by the
                         Servicer.
-----------------------------------------------------------------------------------------------------------------------------------
PREPAY_PENALTY_ WAIVED   The prepayment penalty amount for the loan               2      No commas(,) or dollar signs ($)       11
                         waived by the servicer.
-----------------------------------------------------------------------------------------------------------------------------------
MOD_DATE                 The Effective Payment Date of the Modification                  MM/DD/YYYY                             10
                         for the loan.
-----------------------------------------------------------------------------------------------------------------------------------
MOD_TYPE                 The Modification Type.                                          Varchar - value can be alpha or        30
                                                                                         numeric
-----------------------------------------------------------------------------------------------------------------------------------
DELINQ_P&I_ADVANCE_AMT   The current outstanding principal and interest           2      No commas(,) or dollar signs ($)       11
                         advances made by Servicer.
-----------------------------------------------------------------------------------------------------------------------------------

                                       B-8

--------------------------------------------------------------------------------
EXHIBIT G-3: CALCULATION OF REALIZED LOSS/GAIN FORM 332- INSTRUCTION SHEET
--------------------------------------------------------------------------------

                    The numbers on the form correspond with the numbers listed
      below.

      Liquidation and Acquisition Expenses:

      1.       The Actual Unpaid Principal Balance of the Mortgage Loan. For
               documentation, an Amortization Schedule from date of default
               through liquidation breaking out the net interest and servicing
               fees advanced is required.

      2.       The Total Interest Due less the aggregate amount of servicing fee
               that would have been earned if all delinquent payments had been
               made as agreed. For documentation, an Amortization Schedule from
               date of default through liquidation breaking out the net interest
               and servicing fees advanced is required.

      3.       Accrued Servicing Fees based upon the Scheduled Principal Balance
               of the Mortgage Loan as calculated on a monthly basis. For
               documentation, an Amortization Schedule from date of default
               through liquidation breaking out the net interest and servicing
               fees advanced is required.

      4-12.    Complete as applicable. All line entries must be supported by
               copies of appropriate statements, vouchers, receipts, bills,
               canceled checks, etc., to document the expense. Entries not
               properly documented will not be reimbursed to the Servicer.

      13.      The total of lines 1 through 12.

      Credits:

      14-21.   Complete as applicable. All line entries must be supported by
               copies of the appropriate claims forms, EOBs, HUD-1 and/or other
               proceeds verification, statements, payment checks, etc. to
               document the credit. If the Mortgage Loan is subject to a
               Bankruptcy Deficiency, the difference between the Unpaid
               Principal Balance of the Note prior to the Bankruptcy Deficiency
               and the Unpaid Principal Balance as reduced by the Bankruptcy
               Deficiency should be input on line 20.

      22.      The total of lines 14 through 21.

      Please note: For HUD/VA loans, use line (15) for Part A/Initial proceeds
               and line (16) for Part B/Supplemental proceeds.

      Total Realized Loss (or Amount of Any Gain)

      23.      The total derived from subtracting line 22 from 13. If the amount
               represents a realized gain, show the amount in parenthesis ( ).

                                       B-9

--------------------------------------------------------------------------------
EXHIBIT G-3: CALCULATION OF REALIZED LOSS/GAIN FORM 332
--------------------------------------------------------------------------------

                             WELLS FARGO BANK, N.A.

                        CALCULATION OF REALIZED LOSS/GAIN

Prepared by:  __________________                     Date:  _______________
Phone:  ______________________  Email Address:_____________________

   ----------------------       ------------------       ---------------------
    Servicer Loan No.            Servicer Name            Servicer Address

   ----------------------       ------------------       ---------------------

WELLS FARGO BANK, N.A. Loan No. ________________________________________________
Borrower's Name: _______________________________________________________________
Property Address: ______________________________________________________________

LIQUIDATION AND ACQUISITION EXPENSES:

(1)    Actual Unpaid Principal Balance of Mortgage Loan     $________________(1)
(2)    Interest accrued at Net Rate                         _________________(2)
(3)    Accrued Servicing Fees                               _________________(3)
(4)    Attorney's Fees                                      _________________(4)
(5)    Taxes                                                _________________(5)
(6)    Property Maintenance                                 _________________(6)
(7)    MI/Hazard Insurance Premiums                         _________________(7)
(8)    Utility Expenses                                     _________________(8)
(9)    Appraisal/BPO                                        _________________(9)
(10)   Property Inspections                                 ________________(10)
(11)   FC Costs/Other Legal Expenses                        ________________(11)
(12)   Other (itemize)                                      $_______________(12)
           Cash for Keys ______________________________     ________________
           HOA/Condo Fees _____________________________     ________________
           ____________________________________________     ________________
           ____________________________________________     ________________
           TOTAL EXPENSES                                   $_______________(13)
CREDITS:

(14)   Escrow Balance                                       $_______________(14)
(15)   HIP Refund                                           ________________(15)

                                      B-10

(16)   Rental Receipts                                      ________________(16)
(17)   Hazard Loss Proceeds                                 ________________(17)
(18)   Primary Mortgage Insurance Proceeds                  ________________(18)
(19)   Pool Insurance Proceeds                              ________________(19)
(20)   Proceeds from Sale of Acquired Property              ________________(20)
(21)   Other (itemize)                                      ________________(21)
       ________________________________________________     ________________
       ________________________________________________     ________________
       TOTAL CREDITS                                        $_______________(22)

TOTAL REALIZED LOSS (OR AMOUNT OF GAIN)                     $_______________(23)

                                      B-11

                                   APPENDIX I

                        Purchase and Servicing Agreements

                                [Attached hereto]

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00101-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00101-of-00352.parquet"}]]