Document:

Exhibit 10.4(B)

              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").

                                   WITNESSETH

     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

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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.

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.

     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.

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,

@
@

@/@Exhibit 10.4(C)

                                                               EXECUTION VERSION

                ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

     ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT (the "Agreement"), dated
January 31, 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-A 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-A 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 "MSWSA"), by and between Assignor, as purchaser, and Wells
Fargo Bank, as seller and servicer, (ii) the Master Mortgage Loan Purchase
Agreement, dated as of March 1, 2005 (as amended and restated on December 1,
2005, the "MMLPA"), by and between Assignor, as purchaser, and Wells Fargo Bank,
as seller and servicer, (iii) that certain Assignment and Conveyance Agreement,
dated as of December 9, 2005, by and between Assignor and Wells Fargo Bank, and
(iv) that certain Assignment and Conveyance Agreement, dated as of December 29,
2005, by and between Assignor and Wells Fargo Bank (collectively, with the MSWSA
and the 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 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 MSWSA,
Wells Fargo Bank shall continue to service the Mortgage Loans pursuant to the
MSWSA, as modified by Section 7 of this Agreement, for the benefit of the
Assignee.

                                        2

     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 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 MSWSA 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 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 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 MSWSA).

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

     a.   Regarding the Regulation AB (as defined in the MSWSA) provisions set
          forth in the 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 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 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".

                                        3

     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 pharses
          "the Purchaser and any Depositor" and "the Purchaser and such
          Depositor" are deleted and replaced 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-A

     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

     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-A # 50892300

     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

                                        4

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,   U.S. Bank National Association, as
as Assignor                              Assignee

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

Banc of America Funding Corporation      Wells Fargo Bank, N.A., as servicer

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

Acknowledged and Agreed as of the date first written above:

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

By: /s/ Graham Oglesby
    ----------------------------------
Name: Graham Oglesby
Title: Assistant Vice President

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

                                       B-7

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

SERV_CURT_DATE_3         The curtailment date associated with the              MM/DD/YYYY                         10
                         third curtailment amount.
--------------------------------------------------------------------------------------------------------------------
CURT_ADJ_AMT_3           The curtailment interest on the third          2      No commas(,) or dollar signs       11
                         curtailment amount, if applicable.                    ($)
--------------------------------------------------------------------------------------------------------------------
PIF_AMT                  The loan "paid in full" amount as              2      No commas(,) or dollar signs       11
                         reported by the Servicer.                             ($)
--------------------------------------------------------------------------------------------------------------------
PIF_DATE                 The paid in full date as reported by the              MM/DD/YYYY                         10
                         Servicer.
--------------------------------------------------------------------------------------------------------------------
ACTION_CODE              The standard FNMA numeric code used to                Action Code Key:                    2
                         indicate the default/delinquent status of             15=Bankruptcy, 30=Foreclosure,
                         a particular loan.                                    60=PIF, 63=Substitution,
                                                                               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.                             ($)
--------------------------------------------------------------------------------------------------------------------
SOLDIER_SAILOR_ADJ_AMT   The Soldier and Sailor Adjustment amount,      2      No commas(,) or dollar signs       11
                         if applicable.                                        ($)
--------------------------------------------------------------------------------------------------------------------
NON_ADV_LOAN_AMT         The Non Recoverable Loan Amount, if            2      No commas(,) or dollar signs       11
                         applicable.                                           ($)
--------------------------------------------------------------------------------------------------------------------
LOAN_LOSS_AMT            The amount the Servicer is passing as a        2      No commas(,) or dollar signs       11
                         loss, if applicable.                                  ($)
--------------------------------------------------------------------------------------------------------------------
SCHED_BEG_PRIN_BAL       The scheduled outstanding principal            2      No commas(,) or dollar signs       11
                         amount due 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              2      No commas(,) or dollar signs       11
                         reported by the Servicer for the current              ($)
                         cycle -- only applicable for
                         Scheduled/Scheduled Loans.
--------------------------------------------------------------------------------------------------------------------
SCHED_NET_INT            The scheduled gross interest amount less       2      No commas(,) or dollar signs       11
                         the service fee amount for the current                ($)
                         cycle as reported by the Servicer -- only
                         applicable for Scheduled/Scheduled Loans.
--------------------------------------------------------------------------------------------------------------------
ACTL_PRIN_AMT            The actual principal amount collected by       2      No commas(,) or dollar signs       11
                         the 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             2      No commas(,) or dollar signs       11
                         borrower prepays on his loan as reported              ($)
                         by the Servicer.
--------------------------------------------------------------------------------------------------------------------
PREPAY_PENALTY_ WAIVED   The prepayment penalty amount for the          2      No commas(,) or dollar signs       11
                         loan waived by the servicer.                          ($)
--------------------------------------------------------------------------------------------------------------------
MOD_DATE                 The Effective Payment Date of the                     MM/DD/YYYY                         10
                         Modification for the loan.
--------------------------------------------------------------------------------------------------------------------
MOD_TYPE                 The Modification Type.                                Varchar - value can be alpha       30
                                                                               or numeric
--------------------------------------------------------------------------------------------------------------------
DELINQ_P&I_ADVANCE_AMT   The current outstanding principal and          2      No commas(,) or dollar signs       11
                         interest 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-00097-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00097-of-00352.parquet"}]]