Document:

Form of Note

 EXHIBIT 4.1 
 THIS NOTE IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITORY OR A NOMINEE OF A DEPOSITORY. THIS NOTE IS NOT EXCHANGEABLE FOR NOTES REGISTERED IN THE NAME OF A
PERSON OTHER THAN THE DEPOSITORY OR ITS NOMINEE, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE, AND NO TRANSFER OF THIS NOTE (OTHER THAN A TRANSFER OF THIS NOTE AS A WHOLE BY THE DEPOSITORY TO A NOMINEE OF THE DEPOSITORY OR BY A
NOMINEE OF THE DEPOSITORY TO THE DEPOSITORY OR ANOTHER NOMINEE OF THE DEPOSITORY) MAY BE REGISTERED EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 
 Unless this Note is presented by an authorized representative of The Depository Trust Company, a New York corporation (55 Water Street, New York, New York) (“DTC”), to the Corporation or its agent for registration of transfer,
exchange or payment, and this Note is registered in the name of Cede & Co. or such other name as requested by an authorized representative of DTC, and unless any payment is made to Cede & Co., ANY TRANSFER, PLEDGE OR OTHER USE
HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL since the registered owner hereof, Cede & Co., has an interest herein. 
 THIS NOTE IS
NOT A SAVINGS ACCOUNT OR A DEPOSIT, IS NOT AN OBLIGATION OF OR GUARANTEED BY ANY BANKING OR NONBANKING AFFILIATE OF BANK OF AMERICA CORPORATION, AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.

  

							
	 REGISTERED
	 		 		 	$31,500,000
				
	 NUMBER __I-_____
	 		 		 	CUSIP 06050 MFL6

 BANK OF AMERICA CORPORATION 
 MEDIUM-TERM SENIOR NOTE, SERIES K 
 (Indexed Note) 
  

	 ̈	SEE THE ATTACHED PRINCIPAL REPAYMENT AMOUNT RIDER for a description of the PRINCIPAL REPAYMENT AMOUNT and its method of calculation. 

  

	x	SEE THE ATTACHED SUPPLEMENTAL REDEMPTION AMOUNT RIDER for a description of the SUPPLEMENTAL REDEMPTION AMOUNT and its method of calculation 

  

	ORIGINAL	ISSUE DATE: March 24, 2006 

	MATURITY	DATE: March 25, 2011 

	CALCULATION	AGENT: Banc of America Securities LLC (“BAS”) 

	ADDITIONAL	TERMS: See Supplemental Redemption Amount Rider 

	MINIMUM	DENOMINATIONS: $1,000 and whole multiples of $1,000. 

 BANK OF AMERICA CORPORATION, a Delaware corporation (the “Corporation,” which term includes any successor corporation under the Indenture referred to on the reverse hereof), for value received, hereby promises to pay on the
Maturity Date to CEDE & CO., as nominee for The Depository Trust Company, or its registered assigns, (i) the principal amount of THIRTY ONE MILLION FIVE HUNDRED THOUSAND DOLLARS ($31,500,000) and (ii) that supplemental redemption
amount (the “Supplemental Redemption Amount”) calculated according to the terms of the attached Supplemental Redemption Amount Rider. 
 Any principal or Supplemental Redemption Amount not punctually paid or duly provided for shall be payable as provided in the Indenture. As used in this Note, “Business Day” means any day that is not a Saturday or a Sunday, and
that is not a legal holiday in New York, New York or Charlotte, North Carolina and that is not a day on which banking institutions in those cities or any other place of payment with respect to this Note are authorized or required by law or
regulation to be closed; but that is not a day on which the principal securities market (or markets) on which the constituent stocks of the Dow Jones Industrial AverageSM, or “DJIASM,”
are traded is closed. 

 The principal and Supplemental Redemption Amount on this Note are payable in immediately available funds
in such coin or currency of the United States of America as at the time of payment is legal tender for payment of public and private debts at the office or agency of the Corporation designated as provided in the Indenture; provided,
however, that the principal or Supplemental Redemption Amount may be paid, at the option of the Corporation, by check mailed to the person entitled thereto at his address last appearing on the registry books of the Corporation relating to the
Notes. Notwithstanding the preceding sentence, payments of the principal and Supplemental Redemption Amount payable on the Maturity Date will be made by wire transfer of immediately available funds to a designated account maintained in the United
States upon (i) receipt of written notice by the Issuing and Paying Agent (as described on the reverse hereof) from the registered holder of this Note not less than one Business Day prior to the due date of such principal and
(ii) presentation of this Note to The Bank of New York, as Issuing and Paying Agent, 101 Barclay Street, New York, New York 10286 (the “Corporate Trust Office”). 
 For both this Note and Notes issued in certificated form, the payment of principal of and any other amounts due on or after the Maturity Date will be
made only upon the presentation and surrender of such Note at the office of the Trustee or successor thereof, and with respect to this Note, in accordance with the procedures of DTC. 
 References herein to “U.S. dollars,” “U.S.$,” or “$” are to the coin or currency of the United States at the time of
payment is legal tender for the payment of public and private debts. 
 Reference is hereby made to the further provisions of this Note set
forth on the reverse hereof and on the attached Rider, which shall have the same effect as though fully set forth at this place. 
 Unless
the certificate of authentication hereon has been executed by the Trustee or an authenticating agent on behalf of the Trustee by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any
purpose. 
  

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 IN WITNESS WHEREOF, the Corporation has caused this Note to be duly executed, by manual or facsimile
signature, under its corporate seal or a facsimile thereof. 
  

									
		 		 	BANK OF AMERICA CORPORATION
					
		 		 		 	 By:
	 	  
		 		 		 	 Title:
	 	Senior Vice President
				
	 [SEAL]
 ATTEST:
	 		 		 	
					
	By:	 	  	 		 		 	
	Title:	 	Assistant Secretary	 		 		 	

  

 3 

 Certificate of Authentication 
 This is one of the Securities of the series designated therein referred to in the within-mentioned Indenture. 
 Dated: March 24, 2006 
  

			
	 THE BANK OF NEW YORK,
 as Trustee

		
	By:	 	  
		 	Authorized Signatory

  

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 [Reverse of Note] 
 BANK OF AMERICA CORPORATION 
 MEDIUM-TERM SENIOR NOTE, SERIES K 
 (Indexed Note) 
 SECTION 1. General.
This Note is one of a duly authorized series of Securities of the Corporation unlimited in aggregate principal amount (herein called the “Notes”) issued and to be issued under an Indenture dated as of January 1, 1995 (herein called
the “Indenture”), between the Corporation (successor in interest to NationsBank Corporation) and The Bank of New York, as Trustee (successor in interest to U.S. Bank Trust National Association, successor trustee to BankAmerica National
Trust Company, herein called the “Trustee,” which term includes any successor trustee under the Indenture), as supplemented by a First Supplemental Indenture dated as of September 18, 1998, a Second Supplemental Indenture dated as of
May 7, 2001, and a Third Supplemental Indenture dated as of July 28, 2004, to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights thereunder of the Corporation, the
Trustee, and the holders of the Notes, and the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is also one of the Notes designated as the Corporation’s Senior Medium-Term Notes, Series K, initially limited
in aggregate principal amount to $10,000,000,000. The Trustee initially shall act as Security Registrar, Transfer Agent, and Issuing and Paying Agent in connection with the Notes. The Notes may bear different dates, mature at different times, bear
interest at different rates and vary in such other ways as are provided in the Indenture. 
 SECTION 2. No Sinking Fund. This Note is
not subject to any sinking fund. 
 SECTION 3. Redemption. This Note is not redeemable prior to the Maturity Date. 
 SECTION 5. Defeasance. The provisions of Article Fourteen of the Indenture do not apply to Securities of this Series. 
 SECTION 6. Events of Default. If an Event of Default (defined in the Indenture as (a) the Corporation’s failure to pay the principal of
(or premium, if any, on) the Notes; (b) the Corporation’s failure to pay interest on the Notes within 30 calendar days after the same becomes due; (c) the Corporation’s breach of its other covenants contained in this Note or in
the Indenture, which breach is not cured within 90 calendar days after written notice by the Trustee or the holders of at least 25% in outstanding principal amount of all Securities issued under the Indenture and affected thereby; and
(d) certain events involving the bankruptcy, insolvency or liquidation of the Corporation) shall occur with respect to the Notes, the principal of all the Notes may be declared due and payable in the manner and with the effect provided in the
Indenture. 
 SECTION 7. Modifications and Waivers. The Indenture permits, with certain exceptions as therein provided, the amendment
of the Indenture and the modification of the rights and obligations of the Corporation and the rights of the holders of the Notes under the Indenture at any time by the Corporation with the consent of the holders of not less than 66 2/3% in
aggregate principal amount of the Notes then outstanding and all other Securities then outstanding under 

  

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the Indenture and affected by such amendment and modification. The Indenture also contains provisions permitting the holders of a majority in aggregate
principal amount of the Notes then outstanding and all other Securities then outstanding under the Indenture and affected thereby, on behalf of the holders of all such Securities, to waive compliance by the Corporation with certain provisions of the
Indenture and certain past defaults under the Indenture and their consequences. Any such consent or waiver by the holder of this Note shall be conclusive and binding upon such holder and upon all future holders of this Note and of any Note issued
upon the registration of transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent or waiver is made upon this Note. 
 No recourse shall be had for the payment of the principal of, premium on (if any), interest, or other amounts payable on this Note, or for any claim based hereon, or otherwise in respect hereof, or based on or in
respect of the Indenture or any indenture supplemental thereto, against any incorporator, stockholder, officer, or director, as such, past, present, or future, of the Corporation or any predecessor or successor corporation, whether by virtue of any
constitution, statute or rule of law, or by the enforcement of any assessment or penalty or otherwise, all such liability being, by the acceptance hereof and as part of the consideration for issue hereof, expressly waived and released. 

SECTION 8. Obligations Unconditional. No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or
impair the obligation of the Corporation, which is absolute and unconditional, to pay the principal of, premium (if any), interest, and other amounts payable on this Note at the times, place and rate, and in the coin or currency, herein prescribed.

 SECTION 9. Authorized Denominations. The Notes are issuable only as registered Notes without coupons, and unless otherwise set
forth above, only in denominations of $1,000 and whole multiples of $1,000. As provided in the Indenture, and subject to certain limitations therein set forth, Notes are exchangeable for a like aggregate principal amount of Notes of different
authorized denominations, as requested by the holder surrendering the same. 
 SECTION 10. Registration of Transfer. As provided in
the Indenture and subject to certain limitations as therein set forth, the transfer of this Note is registrable in the register maintained by the Registrar, upon surrender of this Note for registration of transfer at the office or agency of the
Corporation designated by it pursuant to the Indenture, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Corporation and the Trustee or the Security Registrar requiring such written instrument of
transfer duly executed by, the registered holder hereof or his attorney duly authorized in writing, and thereupon one or more new Notes of this series, of authorized denominations and for the same aggregate principal amount, will be issued to the
designated transferee or transferees. 
 This Note is being issued by means of a book-entry system with no physical distribution of
certificates to be made except as provided in the Indenture. The book-entry system maintained by DTC will evidence ownership of the Notes, with transfers of ownership effected on the records of DTC and its participants pursuant to rules and
procedures established by DTC and its participants. The Corporation will recognize Cede & Co., as nominee of DTC, while the registered holder of the Notes, as the owner of the Notes for all purposes, including payment of 

  

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principal and the Supplemental Redemption Amount, notices and voting. Transfer of principal and the Supplemental Redemption Amount to participants of DTC
will be the responsibility of DTC, and transfer of principal and the Supplemental Redemption Amount payable to beneficial owners of the Notes by participants of DTC will be the responsibility of such participants and other nominees of such
beneficial owners. So long as the book-entry system is in effect, the selection of any Notes to be redeemed will be determined by DTC pursuant to rules and procedures established by DTC and its participants. The Corporation will not be responsible
or liable for such transfers or payments or for maintaining, supervising or reviewing the records maintained by DTC, its participants, or persons acting through such participants. 
 This Note may be exchanged in whole, but not in part, for security-printed certificated Notes, only if (i) DTC notifies the Corporation or the
Trustee that it is unwilling or unable to continue to act as depository for this Note in global form or if at any time DTC ceases to be a clearing agency registered under the Securities Exchange Act of 1934, as amended, and in either such case, a
successor depository is not appointed by the Corporation within 60 calendar days, or (ii) the Corporation executes and delivers to the Trustee a written notification that this Note in global form shall be so exchangeable, or (iii) an Event
of Default occurs and is continuing with respect to this Note in global form. In any such instance, an owner of a beneficial interest in this Note will be entitled to physical delivery in certificated form of Notes equal in principal amount to such
beneficial interest and to have such Notes registered in its name. Unless otherwise set forth above, Notes so issued in certificated form will be issued in authorized denominations only and will be issued in registered form only, without coupons.

 No service charge shall be made for any such registration of transfer or exchange, but the Corporation may require payment of a sum
sufficient to cover any tax, assessment, or other governmental charge, including, without limitation, any withholding tax, payable in connection therewith. 
 Prior to due presentment of this Note for registration of transfer, the Corporation, the Trustee, the Issuing and Paying Agent and any agent of the Corporation, the Trustee or any Issuing and Paying Agent may treat
the person in whose name this Note is registered as the owner hereof for all purposes. 
 SECTION 11. Defined Terms. All terms used in
this Note which are not defined herein but are defined in the Indenture shall have the meanings assigned to them in the Indenture. 
 SECTION
12. Governing Law. THIS NOTE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO PRINCIPLES OF CONFLICTS OF LAWS. 
  

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 ABBREVIATIONS 
 The following abbreviations, when used in the inscription on the face of the within Note, shall be construed as though they were written out in full according to applicable laws or regulations: 
  

											
	 TEN COM—
	 	as tenants in common	 		 		 	
	 TEN ENT—
	 	as tenants by the entireties	 		 		 	
	 JT TEN—
	 	as joint tenants with right of survivorship and not as tenants in common	 	
	 UNIF GIFT MIN ACT—
	 	  	  	  	 	as Custodian for	 	  	 	  
		 	 (Cust)
	 		 		 	 (Minor)

		 		  	 Under Uniform Gifts to Minors Act
	 		 	
		 		  	  	 		 	
		 		  	(State)	 		 	
	 Additional abbreviations may also be used though not in the above list.
	 		 	

  

 ASSIGNMENT 
 FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto 

[PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS 
 INCLUDING ZIP CODE OF ASSIGNEE] 
  

  
  

  
  

 Please Insert
Social Security or Other 
 Identifying Number of Assignee: ____________________________ 
 the within Note and all rights thereunder, hereby irrevocably constituting and appointing __________________________________ Attorney to transfer said Note on the books
of the Corporation, with full power of substitution in the premises. 
  

	Dated:_________________________	____                        _____________________________________________________________ 

 NOTICE: The signature to this assignment must correspond with the name as it appears upon the face of the within Note in every particular, without alteration or
enlargement or any change whatever and must be guaranteed. 
  

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 BANK OF AMERICA CORPORATION 
 Medium-Term Senior Note, Series K 
 SUPPLEMENTAL REDEMPTION AMOUNT RIDER

 General 
 This Note is part of a
series of medium-term notes entitled “Medium-Term Notes, Series K” issued under the Indenture, as described in the Prospectus dated April 14, 2004 and Prospectus Supplement dated April 15, 2004 and is designated as the Bank
of America Corporation Minimum Return Equity Appreciation Growth LinkEd Securities “Index EAGLES®,” due March 25, 2011, Linked to the Dow Jones Industrial AverageSM. Certain capitalized
terms used herein have the meanings ascribed to them in the Prospectus and the Prospectus Supplement. 
 Payment at Maturity; Supplemental Redemption
Amount 
 At maturity, the holder of the Note will receive the principal amount of this Note. The holder of the Note also will receive the
Supplemental Redemption Amount, which will not be less than a total of 5.00% of the principal amount of this Note at maturity. This minimum amount is called the “Minimum Supplemental Redemption Amount.” The Supplemental Redemption Amount
will be based on the performance of the DJIASM during the term of this Note and will be determined by the
Calculation Agent in the manner described below. 
 The Calculation Agent will determine the Supplemental Redemption Amount, which will not
be less than the Minimum Supplemental Redemption Amount, by reference to the periodic returns of the DJIASM during
the following 20 “Reference Periods”: 
  

									
	 2006/07
	 	 2007/08
	 	 2008/09
	 	 2009/10
	 	 2010/11

	   3/21/06-6/21/06
	 	  3/21/07-6/21/07	 	  3/21/08-6/21/08	 	  3/21/09-6/21/09	 	  3/21/10-6/21/10
	   6/21/06-9/21/06
	 	  6/21/07-9/21/07	 	  6/21/08-9/21/08	 	  6/21/09-9/21/09	 	  6/21/10-9/21/10
	 9/21/06-12/21/06
	 	9/21/07-12/21/07	 	9/21/08-12/21/08	 	9/21/09-12/21/09	 	9/21/10-12/21/10
	 12/21/06-3/21/07
	 	12/21/07-3/21/08	 	12/21/08-3/21/09	 	12/21/09-3/21/10	 	12/21/10-3/21/11

 This Note was priced on March 21, 2006, or the “pricing date.” The pricing date is
the first day of the first Reference Period. 
 The last day of each Reference Period is referred to as a “Reset Date.” On each
Reset Date, the Calculation Agent will determine the “Periodic Return” of the DJIASM for the Reference
Period then ended by applying the following formula: 
  

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 (Ending Level – Starting Level) 
 Starting Level 
 The result will be rounded to the nearest ten-thousandth of a decimal
place and then expressed as a percentage. 
 The “Starting Level” for the initial Reference Period is the closing level of the
DJIASM on the pricing date, or 11,235.47, and the “Starting Level” for each subsequent Reference Period is
the Ending Level for the immediately preceding Reference Period. The “Ending Level” for each Reference Period is the closing level of the DJIASM on the applicable Reset Date, or if that day is not a Business Day (as defined above), the closing level of the DJIASM on the next following Business Day. 
 On the
pricing date, the Corporation set a cap of 8.50%, or the “Return Cap,” which limits any increases in the Periodic Return of the DJIASM to that rate. For any Reference Period in which the Periodic Return is greater than the Return Cap, the Periodic Return for that Reference Period will be deemed to be the Return Cap. 
 After the close of the market on the last Reset Date, the Calculation Agent will determine the Supplemental Redemption Amount, which will not be less
than the Minimum Supplemental Redemption Amount, based on the following formula: 
 Principal Amount x Index Return 
 The “Index Return” is the compounded value of the 20 Periodic Returns computed in the following manner: 
 [The product of (1.00 + the Periodic Return) for each Reference Period] – 1.00 
 The Index Return will be rounded to the nearest ten-thousandth and then expressed as a percentage. 
 The Supplemental Redemption Amount will be calculated after the close of the market on the last Reset Date. The period of time between the last Reset
Date and the Maturity Date is not part of a Reference Period, and, therefore, changes in the DJIASM during that
period will not affect the Supplemental Redemption Amount payable to the holder of this Note at maturity. If the calculation of the Supplemental Redemption Amount results in an amount that is less than the Minimum Supplemental Redemption Amount,
then the Corporation will pay the holder of this Note at maturity a Supplemental Redemption Amount equal to the Minimum Supplemental Redemption Amount. 
 Event of Default 
 Upon the occurrence of an Event of Default (as defined in the Indenture), the holder of this Note only
will be entitled to receive the principal amount of the Note, and will not be entitled to payment of the Supplemental Redemption Amount. 
  

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 Market Disruption 
 Each of the following will be a “Market Disruption Event” if, in the sole opinion of the Calculation Agent, that event materially affects the DJIASM: 
 (a) the suspension, material limitation, or
absence of the trading of a material number of stocks included in the DJIASM; 
 (b) the suspension or material limitation of the trading of stocks on one or more stock exchanges on which stocks included in the DJIASM are quoted; 
 (c)
a breakdown or failure in the price and trade reporting systems of the respective primary markets on which the stocks included in the DJIASM are quoted, as a result of which the reported trading prices for the affected stocks, during the last one-half hour before the close of trading in that market are materially inaccurate; or 
 (d) the suspension or material limitation of the trading of (1) options or futures relating to the DJIASM on any options or futures exchanges or (2) options or futures generally. 
 For purposes of determining whether a Market Disruption Event has occurred: 
 (a) a limitation on the number
of hours or days of trading will not be a Market Disruption Event if it results from an announced change in the regular business hours of the relevant exchange; 
 (b) a limitation on trading imposed by reason of the movements in price exceeding the levels permitted by any relevant exchange will be a Market Disruption Event; 
 (c) a decision to permanently discontinue trading in the relevant futures or options contracts will not constitute a Market Disruption Event; and

 (d) an absence of trading on an exchange or quotation system will not include any time when that exchange or quotation system is closed
for trading under ordinary circumstances. 
 If a Market Disruption Event occurs or is continuing on a day that would otherwise be a Reset
Date, then the Calculation Agent instead will use the closing level of the DJIASM on the first Business Day after
that day on which no Market Disruption Event occurs or is continuing. In no event, however, will any Reset Date be postponed by more than five Business Days. If any Reset Date is postponed to the last possible day, but a Market Disruption Event
occurs or is continuing on that day, that day nevertheless will be the Reset Date, and the Calculation Agent will make a good faith estimate of the closing level of the DJIASM based upon its assessment of the level of the DJIASM at that time. If the last scheduled Reset Date is postponed due to a Market Disruption Event, the Maturity Date for this Note also will be postponed by the same number of Business Days. 
  

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 Discontinuance of the DJIASM; Alteration of Method of Calculation 
 If Dow Jones & Company, Inc.
(“Dow Jones”) discontinues publication of the DJIASM and Dow Jones or another entity publishes a successor
or substitute index that the Calculation Agent determines, in its sole discretion, is comparable to the discontinued DJIASM (the new index being referred to as a “Successor Index”), then the relevant closing levels shall be determined by reference to the Successor Index at the close of trading on the New York Stock Exchange, the American Stock
Exchange LLC, The Nasdaq National Market, or the relevant exchange or market for the constituent securities of the Successor Index. 
 If the
Calculation Agent selects a Successor Index, the Calculation Agent immediately shall notify the Corporation and the Trustee, and the Trustee will provide written notice of a change to the holders of this Note within three Business Days of selection.

 If Dow Jones discontinues publication of the DJIASM, and the Calculation Agent determines that no Successor Index is available, then the Calculation Agent will notify the Corporation and the Trustee and shall calculate the appropriate closing levels.
These calculations by the Calculation Agent will be in accordance with the formula for and method of calculating the DJIASM last in effect prior to that discontinuance. If a Successor Index is selected or the Calculation Agent calculates a level as a substitute for the DJIASM, that Successor Index or level will be substituted for the DJIASM for all purposes. 
 If at any time the method of calculating the DJIASM or a Successor Index, or the level of that index, is changed in a material respect, or if the DJIASM or a Successor Index in any other way is modified so that it does not, in the opinion of the Calculation Agent, fairly
represent the level of the DJIASM or the Successor Index had those changes or modifications not been made, then,
from and after that time, the Calculation Agent will notify the Corporation and the Trustee. The Calculation Agent will make those calculations and adjustments as, in the good faith judgment of the Calculation Agent, may be necessary in order to
arrive at a level of a stock index comparable to the DJIASM or the Successor Index, as the case may be, as if those
changes or modifications had not been made, and calculate the closing levels with reference to the DJIASM or the
Successor Index, as adjusted. Accordingly, if the method of calculating the DJIASM or a Successor Index is modified
so that the level of such index is a fraction of what it would have been if it had not been modified (e.g., due to a split in the index), then the Calculation Agent shall adjust that index in order to arrive at a level of the DJIASM or the Successor Index as if it had not been modified (e.g., as if the split had not occurred). 
 Role of the Calculation Agent 
 The Calculation Agent
has the sole discretion to make all determinations regarding this Note, including determinations regarding the Index Return, the Periodic Return, the Supplemental Redemption Amount, Market Disruption Events, Successor Indices, and Business Days.
Absent manifest error, all determinations of the Calculation Agent will be final and binding on the holder of this Note and the Corporation, without any liability on the part of the Calculation Agent. 
  

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 The Corporation has initially appointed its affiliate, Banc of America Securities LLC, as the Calculation
Agent, but the Corporation may change the Calculation Agent at any time without notifying the holder of this Note. 
  

 13Form of Omnibus Amendment

 Exhibit 10.1 
  
 OMNIBUS AMENDMENT 
  
 Dated as of March 21, 2006 
  
 This OMNIBUS AMENDMENT (this “Amendment”) dated as of March 21, 2006 is entered into by and among MWL FUNDING, INC., a Delaware
corporation (the “Seller”), CAFCO, LLC, a Delaware limited liability company, CHARTA, LLC, a Delaware limited liability company, and CRC FUNDING, LLC, a Delaware limited liability company, as “Conduit Purchasers” and as
“Securitization Companies” under the Asset Purchase Agreement (as defined below), CITIBANK, N.A., as a “Committed Purchaser”, CITICORP NORTH AMERICA, INC., a Delaware corporation (“CNAI”), as program agent (the
“Program Agent”) for the Conduit Purchasers and the Committed Purchaser and as a “Group Agent” and as “Agent” under the Asset Purchase Agreement (as defined below), and COLONIAL BANK, N.A., a national banking
association (“Colonial Bank”), as “Originator”, as “Servicer” and as “Facility Custodian” and as “Purchaser” under the Asset Purchase Agreement (as defined below). Capitalized terms used
herein and not otherwise defined herein shall have the meanings ascribed to such terms in the Purchase Agreement (as defined below) and, if not defined therein, in the Asset Purchase Agreement (as defined below). 
  
 WHEREAS, the Seller, the Conduit Purchasers, the Committed Purchasers, the
Program Agent, the Servicer and the Facility Custodian have entered into a Warehouse Loan Purchase Agreement dated as of March 23, 2005 (as amended by that certain Amendment No. 1 dated as of September 29, 2005 and as the same may be
further amended, restated, supplemented or otherwise modified from time to time, the “Purchase Agreement”); 
  
 WHEREAS, Colonial Bank, the Securitization Companies and CNAI are parties to that certain Asset Purchase Agreement dated as of March 23, 2005 (as
amended by that certain Amendment No. 1 dated as of September 29, 2005 and as the same may be further amended, restated, supplemented or otherwise modified from time to time, the “Asset Purchase Agreement” and, together
with the Purchase Agreement, the “Agreements”); and 
  
 WHEREAS, the parties hereto have agreed to amend the Agreements on the terms and conditions hereafter set forth. 
  
 NOW, THEREFORE, the parties hereto agree as follows: 
  
 SECTION 1. Amendment to Purchase Agreement. Effective upon the “Effective Date” as defined in Section 3 below, the Purchase
Agreement is hereby amended as follows: 
  
 (a) The definition of
“Commitment Termination Date” now appearing in Section 1.01 of the Purchase Agreement is hereby amended to delete the date March 22, 2006 set forth therein and to substitute the date March 21, 2007 therefor.

  
 SECTION 2. Amendment to Asset Purchase Agreement.
Effective upon the “Effective Date” as defined in Section 3 below, the Asset Purchase Agreement is hereby amended as follows: 

 (a) The definition of “Purchase Termination Date” now appearing on the signature page of
the Asset Purchase Agreement is hereby amended to delete the date March 22, 2006 set forth therein and to substitute the date March 21, 2007 therefor. 
  

SECTION 3. Conditions Precedent. This Amendment shall become effective and be deemed effective as of the date hereof (the “Effective
Date”) when, and only when, each of the following conditions precedent shall be satisfied: 
  
 (a) CNAI shall have received five (5) counterparts of this Amendment executed by each of the parties hereto; 
  
 (b) each of the representations and warranties made by the Seller and
Colonial Bank in Section 4 below are true and correct; 
  
 (c) no event or circumstance shall have occurred which, in the judgment of the Program Agent, could have a material adverse effect on financial markets generally or on the financial conditions or operations of the Seller or Colonial Bank;
and 
  
 (d) no Event of Termination or Incipient Event of
Termination shall have occurred and be continuing. 
  
 SECTION 4.
Covenants, Representations and Warranties of the Seller and Colonial Bank. 
  
 (a) Upon the effectiveness of this Amendment, the Seller and Colonial Bank each hereby (i) represents and warrants that all of its respective representations and warranties set forth in the Agreements (as amended
hereby) and each other Transaction Document to which it is a party are true and correct as if made on the Effective Date, except to the extent that such representations and warranties expressly speak only as of a different date, and
(ii) reaffirms all covenants made by it in the Agreements and each of the other Transaction Documents to which it is a party and agrees that all such covenants shall be deemed to have been re-made as of the Effective Date. 
  
 (b) Each of the Seller and Colonial Bank hereby represents and warrants, as
to itself, that (i) the execution, delivery and performance of this Amendment are within its company power and have been duly authorized by all necessary action on its part to be taken, (ii) this Amendment has been duly executed and
delivered by it, and (iii) this Amendment and the Agreements as amended hereby each constitutes the legal, valid and binding obligations of it, and are enforceable against it in accordance with their respective terms. 
  
 (c) Each of the Seller and Colonial Bank hereby represents and warrants
that, both before and immediately after giving effect to this Amendment, no Event of Termination or Incipient Event of Termination shall exist. 
  
 SECTION 5. Reference to and Effect on the Agreements. 
  
 (a) Upon the effectiveness of this Amendment, each reference in the Purchase Agreement and in the Asset Purchase Agreement to “this Agreement”,
“hereunder”, “hereof”, 

  

 2 

 
“herein”, or words of like import shall mean and be a reference to the Purchase Agreement and the Asset Purchase Agreement, respectively, as
amended hereby, and each reference to the Purchase Agreement and the Asset Purchase Agreement in any other document, instrument or agreement executed and/or delivered in connection with the Agreements shall mean and be a reference to the Purchase
Agreement and the Asset Purchase Agreement, respectively, as amended hereby. 
  
 (b) The Agreements and all other documents, instruments and agreements executed and/or delivered in connection therewith shall remain in full force and effect, as amended hereby, and are hereby ratified and confirmed,
as so amended. 
  
 (c) The execution, delivery and effectiveness
of this Amendment shall not operate as a waiver of any right, power or remedy of any of the Investors, the Program Agent or the Agent under the Agreements or any other document, instrument or agreement executed in connection therewith, nor
constitute a waiver of any provision contained therein. 
  
 SECTION 6. Execution in Counterparts; Headings. This Amendment may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed to be
an original and all of which taken together shall constitute but one and the same instrument. Delivery of an executed counterpart of a signature page to this Amendment by telecopier shall be effective as delivery of a manually executed counterpart
of this Amendment. Section headings in this Amendment are included herein for convenience of reference only and shall not constitute a part of this Amendment for any other purpose. 
  
 SECTION 7. GOVERNING LAW. THE VALIDITY, INTERPRETATION AND ENFORCEMENT OF THIS AMENDMENT AND ANY DISPUTE ARISING OUT
OF OR IN CONNECTION WITH THIS AMENDMENT WHETHER SOUNDING IN CONTRACT, TORT, EQUITY OR OTHERWISE, SHALL BE GOVERNED BY THE INTERNAL LAWS (AS OPPOSED TO THE CONFLICTS OF LAWS PROVISIONS OTHER THAN THOSE CONTAINED IN NEW YORK GENERAL OBLIGATIONS LAW
SECTION 5-1401) AND DECISIONS OF THE STATE OF NEW YORK. 
  
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 3 

 IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed by their respective
officers thereunto duly authorized as of the date first above written. 
  

									
	 SELLER:
	 	 	 	 MWL FUNDING, INC.

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  

									
	 ORIGINATOR, SERVICER,
 FACILITY CUSTODIAN AND
 “PURCHASER” UNDER THE
 ASSET PURCHASE AGREEMENT:
	 	 	 	 COLONIAL BANK, N.A.

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  
 Signature Page to

 Omnibus Amendment 

									
	 CONDUIT PURCHASERS AND
 “SECURITIZATION COMPANIES”
 UNDER THE ASSET PURCHASE
 AGREEMENT:
	 	 	 	 CAFCO, LLC

					
	 	 	 	 	 	 	By:	 	 Citicorp North America, Inc., its Attorney-in-Fact

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  

									
	 	 	 	 	 CHARTA, LLC

					
	 	 	 	 	 	 	By:	 	 Citicorp North America, Inc., its Attorney-in-Fact

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  

									
	 	 	 	 	 CRC FUNDING, LLC

					
	 	 	 	 	 	 	By:	 	 Citicorp North America, Inc., its Attorney-in-Fact

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  
 Signature Page to

 Omnibus Amendment 

									
	 COMMITTED PURCHASER:
	 	 	 	 CITIBANK, N.A.

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  

									
	 PROGRAM AGENT, GROUP
 AGENT AND “AGENT” UNDER
 THE ASSET PURCHASE
 AGREEMENT:
	 	 	 	 CITICORP NORTH AMERICA, INC.

					
	 	 	 	 	 	 	By:	 	 
	 	 	 	 	 	 	 	 	 Name:

	 	 	 	 	 	 	 	 	 Title:

  
 Signature Page to

 Omnibus Amendment

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