Document:

3rd Supp. Ind. dated as of 11/7/08 to the Ind. dated as of 12/01/01

 Exhibit 4.16 
 BANK OF AMERICA CORPORATION 
  
  
 THIRD SUPPLEMENTAL INDENTURE 
 Dated as of
November 7, 2008 
 Supplementing the Indenture dated 
 as of December 1, 2001, as supplemented by the 
 First Supplemental Indenture dated July 1, 2008,

 as supplemented by the 
 Second
Supplemental Indenture dated November 7, 2008, 
 among 
 Countrywide Home Loans, Inc., 
 Countrywide Financial Corporation (formerly Red Oak Merger Corporation)

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

 THIS THIRD SUPPLEMENTAL INDENTURE, dated as of November 7, 2008 (the “Third Supplemental
Indenture”), is made by and among BANK OF AMERICA CORPORATION, a Delaware corporation (“Issuer”), COUNTRYWIDE FINANCIAL CORPORATION (formerly Red Oak Merger Corporation), a Delaware corporation (“Guarantor”),
and THE BANK OF NEW YORK MELLON (formerly The Bank of New York), a New York banking corporation, as trustee (the “Trustee”) under the Indenture referred to herein. 
 WITNESSETH: 
 WHEREAS, Issuer, Guarantor, Countrywide Home Loans,
Inc. (formerly Countrywide Funding Corporation), a New York corporation (the “Corporation”) and the Trustee are parties to an Indenture dated as of December 1, 2001, as supplemented by the First Supplemental Indenture dated
July 1, 2008, as supplemented by the Second Supplemental Indenture (“Second Supplemental Indenture”) dated November 7, 2008 (collectively, the “Indenture”), providing for the issuance of Debt Securities; 
 WHEREAS, there is outstanding under the terms of the Indenture one or more series of Debt Securities (the “Securities”); 
 WHEREAS, Issuer and Guarantor entered into a Stock Purchase Agreement dated November 7, 2008 (the “Stock Purchase Agreement”),
pursuant to which Guarantor will sell to Issuer substantially all of Guarantor’s assets (the “Stock Purchase”); 
 WHEREAS, the Stock Purchase will be consummated on November 7, 2008; 
 WHEREAS, Section 903(1) of the
Indenture provides that in the case of a conveyance or transfer of substantially all of Guarantor’s assets to another corporation, the acquiring corporation shall expressly assume by supplemental indenture all the obligations and covenants
under the Securities and the Indenture to be performed and observed by Guarantor; 
 WHEREAS, Section 1001(1) of the Indenture
provides that Issuer and Guarantor, with the authorization of their respective Boards of Directors, and the Trustee may amend the Indenture without notice to or consent of any holders of the Securities to evidence the succession to Guarantor of a
corporation that has acquired by conveyance or transfer substantially all of Guarantor’s assets and the assumption by the acquiring corporation of the obligations and covenants of Guarantor under the Indenture; 
 WHEREAS, in connection with the execution of the Second Supplemental Indenture, Issuer expressly assumed all of the Corporation’s obligations
and covenants pursuant to the Indenture; 
 WHEREAS, Issuer wishes to assume all of Guarantor’s obligations and covenants
pursuant to the Indenture; 

 WHEREAS, this Third Supplemental Indenture has been duly authorized by all necessary corporate
action on the part of each of Issuer, Guarantor and the Corporation; 
 WHEREAS, the Trustee has determined that this Third
Supplemental Indenture is satisfactory to it in form; and 
 WHEREAS, all things necessary to make this Third Supplemental Indenture a
valid indenture and agreement according to its terms have been done. 
 NOW, THEREFORE, in consideration of these premises, Issuer,
Guarantor, the Corporation and the Trustee agree as follows for the equal and ratable benefit of the holders of the Securities: 
 ARTICLE
I 
 ASSUMPTION BY SUCCESSOR CORPORATION 
 AND SUPPLEMENTAL PROVISIONS 
 SECTION 1.1 Assumption of the Guarantees. 
 (a) Issuer hereby represents and warrants that: 
 (i) it is a corporation organized and existing under the laws of the State of Delaware and is acquiring substantially all of Guarantor’s assets pursuant to the Stock Purchase Agreement; and 
 (ii) the execution, delivery and performance of this Third Supplemental Indenture has been duly authorized by the Board of Directors of
Issuer. 
 (b) Issuer hereby expressly assumes the Guarantees endorsed on the Securities and the performance of every covenant of the
Indenture on the part of Guarantor to be performed or observed. 
 (c) Issuer is hereby substituted for, and may exercise every right and
power of, Guarantor under the Indenture, as if Issuer had been originally named as the guarantor. 
 (d) Guarantor is hereby discharged and
released from all of its obligations and covenants under the Indenture and the Securities. 
 SECTION 1.2 Trustee’s Acceptance.
The Trustee hereby accepts this Third Supplemental Indenture and agrees to perform the same under the terms and conditions set forth in the Indenture. 
  

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 ARTICLE II 
 MISCELLANEOUS 
 SECTION 2.1 Effect of Supplemental Indenture. Upon the later to occur of
(i) the execution and delivery of this Third Supplemental Indenture by the Corporation, Issuer, Guarantor and the Trustee and (ii) the effective time of the Stock Purchase, the Indenture shall be supplemented in accordance herewith, and
this Third Supplemental Indenture shall form a part of the Indenture for all purposes, and every holder of Securities heretofore or hereafter authenticated and delivered under the Indenture shall be bound thereby. 
 SECTION 2.2 Indenture Remains in Full Force and Effect. Except as supplemented hereby, all provisions in the Indenture shall remain in full force
and effect. 
 SECTION 2.3 Indenture and Supplemental Indenture Construed Together. This Third Supplemental Indenture is an indenture
supplemental to and in implementation of the Indenture, and the Indenture and this Third Supplemental Indenture shall henceforth be read and construed together. 
 SECTION 2.4 Confirmation and Preservation of Indenture. The Indenture as supplemented by this Third Supplemental Indenture is in all respects confirmed and preserved. 
 SECTION 2.5 Conflict with Trust Indenture Act. If any provision of this Third Supplemental Indenture limits, qualifies or conflicts with any
provision of the Trust Indenture Act (the “TIA”) that is required under the TIA to be part of and govern any provision of this Third Supplemental Indenture, the provision of the TIA shall control. If any provision of this Third
Supplemental Indenture modifies or excludes any provision of the TIA that may be so modified or excluded, the provision of the TIA shall be deemed to apply to the Indenture as so modified or to be excluded by this Third Supplemental Indenture, as
the case may be. 
 SECTION 2.6 Severability. In case any provision in this Third Supplemental Indenture shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 
 SECTION 2.7 Terms Defined in the Indenture. All capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Indenture. 
 SECTION 2.8 Addresses for Notice, etc., to Issuer and Trustee. Any notice or demand which by any provisions of this Third Supplemental Indenture or the Indenture is required or permitted to be given or served
by the Trustee or by the holders of Securities to or on Issuer may be given in the manner specified in the Indenture to the following address: 
 Bank of America Corporation 
 Bank of America Corporate Center 
 100 North Tryon Street 
 NC1-007-07-13

 Corporate Treasury Division 
 Charlotte, North Carolina 28255 
 Telephone: (980) 387-3776 
 Facsimile: (980) 387-8794 
 Attention: B.
Kenneth Burton, Jr. 
  

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 Together with a copy to: 
 Bank of America Corporation 
 Legal Department 
 NC1-002-29-01 
 101 South Tryon Street

 Charlotte, North Carolina 28255 
 Telephone: (704) 386-4238 
 Facsimile: (704) 386-1670 
 Attention: Teresa M. Brenner, Esq. 
 SECTION 2.9 Headings. The Article and Section headings of this Third Supplemental Indenture have been inserted for convenience of reference only, are not to be considered part of this Third Supplemental Indenture and shall in no way
modify or restrict any of the terms or provisions hereof. 
 SECTION 2.10 Benefits of Third Supplemental Indenture, etc. Nothing in
this Third Supplemental Indenture or the Securities, express or implied, shall give to any Person, other than the parties hereto and thereto and their successors hereunder and thereunder and the holders of the Securities, any benefit of any legal or
equitable right, remedy or claim under the Indenture, this Third Supplemental Indenture or the Securities. 
 SECTION 2.11 Certain Duties
and Responsibilities of the Trustee. In entering into this Third Supplemental Indenture, the Trustee shall be entitled to the benefit of every provision of the Indenture relating to the conduct or affecting the liability or affording protection
to the Trustee, whether or not elsewhere herein so provided. 
 SECTION 2.12 Counterparts. The parties may sign any number of copies
of this Third Supplemental Indenture. Each signed copy shall be an original, but all of them together represent the same agreement. 
 SECTION 2.13 Governing Law. This Third Supplemental Indenture shall be governed by, and construed in accordance with, the laws of the State of New York applicable to agreements made and to be performed in said State. 
 SECTION 2.14 Trustee Not Responsible for Recitals. The recitals contained herein (other than the tenth recital) shall be taken as the statements
of the Corporation, 

  

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the Issuer or Guarantor, as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representation as to the
validity or sufficiency of this Third Supplemental Indenture. 
 [Signature Pages Follow] 
  

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

			
	 GUARANTOR:

	
	 Countrywide Financial Corporation

		
	 By:
	 	 /s/    Anne D. McCallion

		 	Anne D. McCallion
		 	Chief Financial Office

  

 Third Supplemental Indenture 
 Signature Page 1 of 3 

			
	 ISSUER:

	
	 Bank of America Corporation

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

		 	B. Kenneth Burton, Jr.
		 	Senior Vice President

  

 Third Supplemental Indenture 
 Signature Page 2 of 3 

			
	 THE TRUSTEE:

	
	 The Bank of New York Mellon

		
	 By:
	 	 /s/    Rafael E. Miranda

		 	Rafael E. Miranda
		 	Vice President

  

 Third Supplemental Indenture 
 Signature Page 3 of 32rd Supp. Ind. dated as of 11/7/08 to the Ind. dated as of 5/22/07

 Exhibit 4.19 
 BANK OF AMERICA CORPORATION 
  
  
 SECOND SUPPLEMENTAL INDENTURE 
 Dated as of
November 7, 2008 
 Supplementing the Indenture dated as of May 22, 2007, 
 as supplemented by the First Supplemental Indenture dated July 1, 2008, among 
 Countrywide Financial Corporation (formerly Red Oak Merger Corporation), 
 Bank of America Corporation, 
 Countrywide Home Loans, Inc. 
 and 

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

 THIS SECOND SUPPLEMENTAL INDENTURE, dated as of November 7, 2008 (the “Second Supplemental
Indenture”), is made by and among BANK OF AMERICA CORPORATION, a Delaware corporation (the “Corporation”), COUNTRYWIDE FINANCIAL CORPORATION (formerly Red Oak Merger Corporation), a Delaware corporation
(“Issuer”), COUNTRYWIDE HOME LOANS, INC., a New York corporation (“Guarantor”), and THE BANK OF NEW YORK MELLON (formerly The Bank of New York), a New York banking corporation, as trustee (the “Trustee”)
under the Indenture referred to herein. 
 WITNESSETH: 
 WHEREAS, Issuer, Guarantor, the Corporation and the Trustee are parties to an Indenture dated as of May 22, 2007, as supplemented by the
First Supplemental Indenture dated July 1, 2008 (the “Indenture”), providing for the issuance of Series A Debentures and Series B Debentures (collectively, the “Securities”); 
 WHEREAS, the Corporation and Issuer entered into a Stock Purchase Agreement dated November 7, 2008 (the “Stock Purchase
Agreement”), pursuant to which Issuer will sell to the Corporation substantially all of Issuer’s assets (the “Stock Purchase”); 
 WHEREAS, the Stock Purchase will be consummated on November 7, 2008; 
 WHEREAS, Section 5.01(a) of the
Indenture provides that in the case of a conveyance or transfer of substantially all of Issuer’s or Guarantor’s assets to another corporation, the acquiring corporation shall expressly assume by supplemental indenture all the obligations
and covenants under the Securities and the Indenture to be performed and observed by Issuer or Guarantor, as the case may be; 
 WHEREAS, Section 9.01(g) of the Indenture provides that Issuer, Guarantor and the Trustee may amend the Indenture without notice to or consent of any Securityholder of the Securities to evidence the succession to Issuer of a
corporation that has acquired by conveyance or transfer substantially all of Issuer’s assets and the assumption by the acquiring corporation of the obligations and covenants of Issuer or Guarantor under the Indenture; 
 WHEREAS, Section 9.01(k) of the Indenture provides that Issuer, Guarantor and the Trustee may amend the Indenture without notice to or
consent of any Securityholder to make other changes to the Indenture so long as no such change individually or in the aggregate with all other such changes has or will have in the aggregate a material adverse effect on the interests of the Holders
of the Securities; 
 WHEREAS, this Second Supplemental Indenture has been duly authorized by all necessary corporate action on the
part of each of Issuer, Guarantor and the Corporation; 
 WHEREAS, the Trustee has determined that this Second Supplemental Indenture
is satisfactory to it in form; and 

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

 ASSUMPTION BY SUCCESSOR CORPORATION 
 AND SUPPLEMENTAL PROVISIONS 
 SECTION 1.1 Assumption of the Securities. 
 (a) The Corporation hereby represents and warrants that: 
 (i) it is a corporation organized and existing under the laws of the State of Delaware and is acquiring substantially all of Issuer’s assets pursuant to the Stock Purchase Agreement; and 
 (ii) the execution, delivery and performance of this Second Supplemental Indenture has been duly authorized by the Board of Directors of
the Corporation. 
 (b) The Corporation hereby expressly assumes the due and punctual payment of the principal of (and premium, if any) and
interest on all the Securities and the performance of every obligation of the Issuer under the Securities and the Indenture to be performed or observed. 
 (c) The Corporation is hereby substituted for, and may exercise every right and power of, Issuer under the Indenture, as if the Corporation had been originally named as the issuer of the Securities. 
 (d) Issuer is hereby discharged and released from all of its obligations and covenants under the Indenture and the Securities. 
 SECTION 1.2 Name in Indenture. 
 (a)
Effective November 7, 2008, the name of Issuer, as the successor corporation under the Indenture, shall be “Bank of America Corporation.” 
 SECTION 1.3 Amendments to the Indenture. In connection with the Stock Purchase, the Indenture is hereby amended as follows: 
 (a) Definitions in Section 101 are hereby amended as follows: 
 (i) The following definitions are
deleted in their entirety: 
 “Company Change of Control” 
  

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 “Company Stock” 
 “Parent” 
 (ii) The
following definitions are added to Section 101: 
 “Change of Control” means the occurrence at such time after
November 7, 2008 when any of the following has occurred: 
 (1) a “person” or “group” within
the meaning of Section 13(d)(3) of the Exchange Act files a Schedule 13D or any schedule, form or report under the Exchange Act disclosing that such person or group has become the direct or indirect “beneficial owner,” as defined
in Rule 13d-3 under the Exchange Act, of shares of Common Stock representing more than 50% of the Voting Stock; or 
 (2) the first day on which a majority of the members of the Board of Directors of the Company does not consist of Continuing Directors; or 
 (3) a consolidation, merger or binding share exchange, or any conveyance, transfer, sale, lease or other disposition of all or substantially all of the Company’s properties and assets to another person,
other than: 
 (a) any transaction (i) that does not result in any reclassification, conversion, exchange or
cancellation of outstanding shares of the Company’s Capital Stock or (ii) pursuant to which holders of the Company’s Capital Stock immediately prior to such transaction have the entitlement to exercise rights to, directly or
indirectly, 50% or more of the total Voting Stock of the continuing or surviving or successor person immediately after giving effect to such issuance; or 
 (b) any merger, share exchange, transfer of assets or similar transaction solely for the purpose of changing the Company’s jurisdiction of incorporation and resulting in a reclassification, conversion or exchange
of outstanding shares of Common Stock, if at all, solely into shares of common stock, ordinary shares or American Depositary Shares of the surviving entity or a direct or indirect parent of the surviving entity; or 
  

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 (c) any consolidation, merger, conveyance, transfer, sale, lease or other disposition of
the Company with or into a Subsidiary, so long as such merger, consolidation, conveyance, transfer, sale, lease or other disposition is not part of a plan or a series of transactions designed to or having the effect of merging or consolidating with
or conveying, transferring, selling, leasing or otherwise disposing of all or substantially all of the Company’s properties and assets to any other person. 
 The term “person” as used in this definition includes any syndicate or group that would be deemed to be a “person”
under Section 13(d)(3) of the Exchange Act. 
 (iii) The following definitions are amended and restated in their entirety to read as
follows: 
 “Board of Directors” means either the board of directors of the Company or any duly authorized committee
of such board. 
 “Company” means Bank of America Corporation, a Delaware corporation, until a successor replaces it
pursuant to the applicable provisions of this Indenture and, thereafter, shall mean such successor. The foregoing sentence shall likewise apply to any subsequent successor or successors. 
 “Common Stock” means the common stock, par value $0.01 per share, of the Company existing on the date of the execution of the
First Supplemental Indenture dated July 1, 2008, among Countrywide Financial Corporation, Guarantor, the Company and the Trustee, or any other shares of Capital Stock of the Company into which such Common Stock shall be reclassified or changed,
including, subject to Section 10.05 below, in the event of a merger, consolidation or other similar transaction involving the Company that is otherwise permitted hereunder in which the Company is not the surviving person, the common stock of
such surviving corporation. 
 “Continuing Director” means a director who either was a member of the Board of
Directors on July 1, 2008 or who becomes a member of the Board of Directors subsequent to that date and whose appointment, election or nomination for election is duly approved by a majority of the Continuing Directors on the Board of Directors
at the time of such approval, either by specific vote or by approval of the proxy statement issued by the Company on behalf of the applicable Board of Directors in which such individual is named as nominee for director. 
 “Fundamental Change” will be deemed to have occurred upon a Change of Control. 
  

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 “Subsidiary” of a subject person means any person of which at least a majority
of the outstanding Voting Stock shall at the time directly or indirectly be owned or controlled by the Company or by one or more Subsidiaries or by the Company and one or more Subsidiaries. 
 (iv) All references in the Indenture to “Parent Change of Control” shall mean “Change of Control”. 
 (v) All references in the Indenture to “Parent” shall mean the Company. 
 (b) Article 4 is hereby amended as follows: 
 (i) Section 4.02 is hereby amended and restated in its entirety to read as follows: 
 “Section 4.02.
SEC and Other Reports. The Company shall deliver to the Trustee, within 15 days after it files such annual and quarterly reports, information, documents and other reports with the SEC, copies of its annual report and of the information,
documents and other reports (or copies of such portions of any of the foregoing as the SEC may by rules and regulations prescribe) which the Company is required to file with the SEC pursuant to Section 13 or 15(d) of the Exchange Act.
Notwithstanding the foregoing the Company shall be deemed, for purposes of this Section 4.02, to have furnished or delivered reports to the Trustee if (i) such reports are filed with the SEC via the EDGAR filing system, (ii) such
reports are currently available on the SEC’s website, and (iii) the Company electronically delivers to the Trustee a link to the EDGAR filing each time the Company files such a report. Delivery of such reports, information and documents to
the Trustee is for informational purposes only and the Trustee’s receipt of such shall not constitute constructive notice of any information contained therein or determinable from information contained therein, including the Company’s
compliance with any of its covenants hereunder (as to which the Trustee is entitled to rely exclusively on Officer’s Certificates).” 
  

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 (c) Article 5 is hereby amended as follows: 
 (i) Section 5.01 is hereby amended and restated in its entirety to read as follows: 
 “Section 5.01. When Company and Guarantor May Merge or Transfer Assets. Neither the Company nor the Guarantor shall
consolidate with or merge with or into any other person or convey, transfer, sell, lease or otherwise dispose of all or substantially all of its properties and assets to any person, unless: 
 (a) either (1) the Company or the Guarantor, as the case may be, is the continuing person in the case of a merger or consolidation,
or (2) the resulting, surviving or transferee person (the “successor person”) (if other than the Company or the Guarantor) will be a corporation or limited liability company (provided that the successor may be a limited
liability company only if the Securities remain convertible into the common stock of a corporation) organized and existing under the laws of the United States of America, any State thereof or the District of Columbia (provided that the successor
need not be organized and existing under the laws of the United States, any State thereof or the District of Columbia if independent tax counsel experienced in such matters delivers an opinion to the Company stating that, under then existing laws,
there would be no adverse tax consequences to the Holders of Securities in the event the successor was not so organized and existing) and the successor person (if not the Company or the Guarantor, as the case may be) will expressly assume, by
indenture supplemental hereto, executed and delivered to the Trustee, in form reasonably satisfactory to the Trustee in the case of the Company, all of the obligations of the Company under the Securities and this Indenture, or in the case of the
Guarantor, the Guarantor’s obligations under the Guarantee; 
 (b) immediately after giving effect to such transaction
no Default or Event of Default shall have occurred and be continuing; and 
 (c) the Company shall have delivered to the
Trustee an Officer’s Certificate and an Opinion of Counsel, each stating that such consolidation, merger, conveyance, transfer, sale, lease or other disposal and, if a supplemental indenture is required in connection with such transaction, such
supplemental indenture, comply with this Article 5 and that all conditions precedent herein provided relating to such transaction have been satisfied. 
 For purposes of the foregoing, the transfer (by lease, assignment, sale or otherwise) of the properties and assets of one or more Subsidiaries (other than to the Company, the Guarantor or another Subsidiary), which,
if such assets were owned by the Company or the Guarantor, as applicable, would constitute all or substantially all of the properties and assets of the Company, the Guarantor and their Subsidiaries, taken as a whole, shall be deemed to be the
transfer of all or substantially all of the properties and assets of Company or the Guarantor, as applicable. 
  

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 The successor person formed by such consolidation or into which the Company or the
Guarantor, as applicable, is merged or the successor person to which such conveyance, transfer, sale, lease or other disposition is made shall succeed to, and be substituted for, and may exercise every right and power of, the Company or the
Guarantor, as applicable, under this Indenture with the same effect as if such successor had been named as the Company or the Guarantor, as applicable herein; and thereafter, except in the case of a lease and obligations the Company or the
Guarantor, as applicable, may have under a supplemental indenture, the Company or the Guarantor, as applicable shall be discharged from all obligations and covenants under this Indenture and the Securities. Subject to Section 9.06, the Company,
the Guarantor, the Trustee and the successor person shall enter into a supplemental indenture to evidence the succession and substitution of such successor person and such discharge and release of the Company and/or the Guarantor, as
applicable.” 
 (d) Article 6 is hereby amended as follows: 
 (i) Section 6.01(e) is hereby amended and restated in its entirety to read as follows: 
 “(e) the Company or the Guarantor fails to perform or observe any covenant applicable to such series of Securities and provided in
this Indenture, the Guarantee, or in the relevant Securities for 90 days after written notice to the Company from the Trustee, or to the Company and the Trustee from the Holders of at least 25% in principal amount of the outstanding Securities of
such series has been received by the Company;” 
 (ii) Sections 6.01(g) and (h) are each hereby amended by replacing each
occurrence of “the Company, Parent or the Guarantor” with “the Company or the Guarantor.” 
 (e) Article 9 is hereby
amended as follows: 
 (i) Section 9.01(f) is hereby amended and restated in its entirety to read as follows: 
 “(f) provide for conversion rights of Holders of Securities if any reclassification or change of the Common Stock or any
consolidation, merger or sale of all or substantially all of the Company’s assets occurs;” 
 (ii) Section 9.01(g) is hereby
amended by replacing the term “the Company’s and Parent’s” with “the Company’s.” 
 (f) Article 10 is
hereby amended as follows: 
 (i) Section 10.09(d) is hereby amended by replacing “the Company or Parent” with “the
Company.” 
  

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 (g) Article 14 is hereby amended as follows: 
 (i) Section 14.01 is hereby amended by replacing the term “Company or Parent” with “Company.” 
 (h) Article 15 is hereby amended as follows: 
 (i) Section 15.02 is hereby amended and restated in its entirety to read as follows: 
 “Section 15.02. Notices. Any
request, demand, authorization, direction notice, waiver, consent or communication by the Company, the Guarantor or the Trustee to the other is duly given if in writing and delivered in person or mailed by first-class mail, postage prepaid,
addressed as follows or transmitted by facsimile transmission to the following facsimile numbers: 
 if to the Company: 
 Bank of America Corporation 
 Bank of America
Corporate Center 
 100 North Tryon Street 
 NC1-007-07-13 
 Corporate Treasury Division 
 Charlotte, North Carolina 28255 
 Telephone:
(980) 387-3776 
 Facsimile: (980) 387-8794 
 Attention: B. Kenneth Burton, Jr. 
 if to the Guarantor: 
 Countrywide Home Loans, Inc. 
 4500 Park
Granada 
 MS CH-11A 
 Calabasas,
CA 91302 
 Attention: Chief Legal Officer 
 together, in the case of notices to the Company or the Guarantor, with a copy to: 
 Bank of America
Corporation 
 Legal Department 
 NC1-002-29-01 
 101 South Tryon Street 
 Charlotte, North Carolina 28255 
 Telephone: (704) 386-4238 
 Facsimile: (704) 386-1670 
 Attention:
Teresa M. Brenner, Esq. 
  

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 if to the Trustee: 
 The Bank of New York Mellon 
 101 Barclay Street, Floor 8W 
 New York, New York 10286 
 Attn: Corporate
Trust Administration 
 Facsimile: (212) 815-5131 
 The Company, the Guarantor or the Trustee by notice given to the other in the manner provided above may designate additional or different addresses for subsequent notices or communications. 
 Any notice or communication given to a Securityholder shall be delivered to the Securityholder, in accordance with the procedures of the Registrar or by first-class
mail, postage prepaid, at the Securityholder’s address as it appears on the registration books of the Registrar and shall be sufficiently given if so mailed within the time prescribed. 
 Failure to mail a notice or communication to a Securityholder or any defect in it shall not affect its sufficiency with respect to other Securityholders. If a notice or
communication is mailed in the manner provided above, it is duly given, whether or not received by the addressee; provided, however, that no notice to the Trustee shall be deemed to be duly given unless and until the Trustee actually receives same
at the address given above. 
 If the Company mails a notice or communication to the Securityholders, it shall mail a copy to the Trustee and each Registrar,
Paying Agent, Conversion Agent or co-registrar.” 
 (ii) Section 15.10 is hereby amended by replacing the term “the Company or
Parent” with “the Company.” 
 (iii) Section 15.13 is hereby amended by replacing the terms “the Company and
Parent” with “the Company” and “the Company’s and Parent’s” with “the Company’s.” 
 SECTION 1.4 Trustee’s Acceptance. The Trustee hereby accepts this Second Supplemental Indenture and agrees to perform the same under the terms and conditions set forth in the Indenture. 
 ARTICLE II 
 MISCELLANEOUS

 SECTION 2.1 Effect of Supplemental Indenture. Upon the later to occur of (i) the execution and delivery of this Second
Supplemental Indenture by the Corporation, Issuer, Guarantor and the Trustee and (ii) the effective time of the Stock Purchase, the Indenture shall be supplemented in accordance herewith, and this Second Supplemental Indenture shall form a part
of the Indenture for all purposes, and every Holder of Securities heretofore or hereafter authenticated and delivered under the Indenture shall be bound thereby. 
  

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 SECTION 2.2 Indenture Remains in Full Force and Effect. Except as supplemented hereby, all
provisions in the Indenture shall remain in full force and effect. 
 SECTION 2.3 Indenture and Supplemental Indenture Construed
Together. This Second Supplemental Indenture is an indenture supplemental to and in implementation of the Indenture, and the Indenture and this Second Supplemental Indenture shall henceforth be read and construed together. 
 SECTION 2.4 Confirmation and Preservation of Indenture. The Indenture as supplemented by this Second Supplemental Indenture is in all respects
confirmed and preserved. 
 SECTION 2.5 Conflict with Trust Indenture Act. If any provision of this Second Supplemental Indenture
limits, qualifies or conflicts with any provision of the TIA that is required under the TIA to be part of and govern any provision of this Second Supplemental Indenture, the provision of the TIA shall control. If any provision of this Second
Supplemental Indenture modifies or excludes any provision of the TIA that may be so modified or excluded, the provision of the TIA shall be deemed to apply to the Indenture as so modified or to be excluded by this Second Supplemental Indenture, as
the case may be. 
 SECTION 2.6 Severability. In case any provision in this Second Supplemental Indenture shall be invalid, illegal or
unenforceable, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby. 
 SECTION 2.7 Terms Defined in the Indenture. All capitalized terms not otherwise defined herein shall have the meanings ascribed to them in the Indenture. 
 SECTION 2.8 Headings. The Article and Section headings of this Second Supplemental Indenture have been inserted for convenience of reference only, are not to be considered part of this Second Supplemental
Indenture and shall in no way modify or restrict any of the terms or provisions hereof. 
 SECTION 2.9 Benefits of Second Supplemental
Indenture, etc. Nothing in this Second Supplemental Indenture or the Securities, express or implied, shall give to any person, other than the parties hereto and thereto and their successors hereunder and thereunder and the Holders of the
Securities, any benefit of any legal or equitable right, remedy or claim under the Indenture, this Second Supplemental Indenture or the Securities. 
 SECTION 2.10 Certain Duties and Responsibilities of the Trustee. In entering into this Second Supplemental Indenture, the Trustee shall be entitled to the benefit of every provision of the Indenture relating to the conduct or
affecting the liability or affording protection to the Trustee, whether or not elsewhere herein so provided. 
  

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

 11 

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

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

		 	B. Kenneth Burton, Jr.
		 	Senior Vice President

 Second Supplemental Indenture 
 Signature Page 1 of 3 

			
	ISSUER:
	
	Countrywide Financial Corporation
		
	By:	 	 /s/    Anne D. McCallion

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

		 	Anne D. McCallion
		 	Senior Managing Director and
		 	Chief Financial Officer

 Second Supplemental Indenture 
 Signature Page 2 of 3 

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

		 	Rafael E. Miranda
		 	Vice President

 Second Supplemental Indenture 
 Signature Page 3 of 3

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