Document:

Exhibit 4.2

                        MORTGAGE LOAN PURCHASE AGREEMENT
                        --------------------------------

            This Mortgage Loan Purchase Agreement (the "Agreement"), dated
[_________], 20 , is between Banc of America Mortgage Securities, Inc., a
Delaware corporation (the "Purchaser") and Bank of America, National
Association, a national banking association (the "Seller").

            The Purchaser and the Seller hereby recite and agree as follows:

            1. Defined Terms. Terms used without definition herein shall have
the respective meanings assigned to them in the Pooling and Servicing Agreement,
dated [______], 20 (the "Pooling and Servicing Agreement"), among the Purchaser,
the Seller, as servicer, and Wells Fargo Bank, N.A., as trustee (the "Trustee"),
relating to the issuance of the Purchaser's Mortgage Pass-Through Certificates,
Series 20 - (the "Certificates") or, if not defined therein, in the underwriting
agreement dated [________], 20 (the "Underwriting Agreement"), among the
Purchaser, the Seller and Banc of America Securities LLC ("BAS"), or in the
purchase agreement dated [________], 20 (the "Purchase Agreement"), among the
Purchaser, the Seller and BAS.

            2. Purchase Price; Purchase and Sale. The Seller agrees to sell, and
the Purchaser agrees to purchase, the mortgage loans (the "Mortgage Loans"),
listed in Exhibit I hereto. The purchase price (the "Purchase Price") for the
Mortgage Loans shall consist of $[_______] payable by the Purchaser to the
Seller on the Closing Date in immediately available funds.

            Upon payment of the Purchase Price, the Seller shall be deemed to
have transferred, assigned, set over and otherwise conveyed to the Purchaser all
the right, title and interest of the Seller in and to the Mortgage Loans,
including all interest and principal received or receivable by the Seller on or
with respect to the Mortgage Loans after the Cut-off Date (and including
scheduled payments of principal and interest due after the Cut-off Date but
received by the Seller on or before the Cut-off Date and Principal Prepayments
received or applied on the Cut-off Date, but not including payments of principal
and interest due on the Mortgage Loans on or before the Cut-off Date), together
with all of the Seller's rights, title and interest in and to the proceeds of
any related title, hazard, primary mortgage, mortgage pool policy or other
insurance policies. The Purchaser hereby directs the Seller, and the Seller
hereby agrees, to deliver to the Trustee all documents, instruments and
agreements required to be delivered by the Purchaser to the Trustee under the
Pooling and Servicing Agreement and such other documents, instruments and
agreements as the Purchaser or the Trustee shall reasonably request.

            3. Representations and Warranties. The Seller hereby represents and
warrants to the Purchaser that (i) the Purchaser's representations and
warranties to the Trustee pursuant to Section 2.04 of the Pooling and Servicing
Agreement insofar as they relate to the Mortgage Loans are true and correct, as
of the date thereof, and (ii) the Seller has not dealt with any broker,
investment banker, agent or other Person (other than BAS) who may be entitled to
any commission or compensation in connection with the sale of the Mortgage
Loans. The Seller hereby agrees to cure any breach of such representations and
warranties in accordance with the terms of the Pooling and Servicing Agreement.

<PAGE>

            4. Repurchase or Substitution. The Seller hereby agrees to
repurchase any Mortgage Loan (i) for which any document is not delivered, as
provided in paragraph 2 above, (ii) which is found by the Trustee to be
defective in any material respect, as provided in the Pooling and Servicing
Agreement, (iii) which is discovered at any time not to be in conformance with
the representations and warranties referred to in paragraph 3 above and which
document relating thereto the Seller does not deliver or which defect or breach
the Seller does not cure (as provided in paragraph 3 above) within 90 days after
the date of notice thereof from the Trustee or the Purchaser or (iv) for which
the related mortgagor has exercised its option to convert from an adjustable
rate of interest to a fixed rate of interest pursuant to the terms of the
related mortgage note, at a price equal to the then unpaid principal balance
thereof, plus accrued and unpaid interest at the applicable Mortgage Interest
Rate, through the last day of the month in which such repurchase takes place. In
addition, the Seller hereby agrees to reimburse the Purchaser for any
Reimbursement Amount. Alternatively, the Seller hereby agrees, if so requested
by the Purchaser, to substitute for any such Mortgage Loan (other than a
Mortgage Loan described in (iv) above), a new mortgage loan having
characteristics such that the representations and warranties referred to in
paragraph 3 above would not have been incorrect (except for representations and
warranties as to the correctness of the Mortgage Loan Schedule) had such
substitute mortgage loan originally been a Mortgage Loan. The Seller further
agrees that a substituted mortgage loan will have on the date of substitution
the criteria set forth in the definition of "Substitute Mortgage Loan" in the
Pooling and Servicing Agreement. The Seller shall remit to the Purchaser, in
cash, the difference between the unpaid principal balance of the Mortgage Loan
to be substituted and the unpaid principal balance of the substitute mortgage
loan.

            At the time of any such repurchase by the Seller, the Seller agrees
either to promptly (i) liquidate such Mortgage Loan, to the extent that the
Seller's rights in respect of the Prior Holder consist of a claim for indemnity
or (ii) transfer such Mortgage Loan to the Prior Holder at a price not less than
that paid by the Seller to the Purchaser.

            5. Underwriting. The Seller hereby agrees to furnish any and all
information, documents, certificates, letters or opinions with respect to the
mortgage loans, reasonably requested by the Purchaser in order to perform any of
its obligations or satisfy any of the conditions on its part to be performed or
satisfied pursuant to the Underwriting Agreement or the Purchase Agreement at or
prior to the Closing Date.

            6. Costs. The Purchaser shall pay all expenses incidental to the
performance of its obligations under the Underwriting Agreements and the
Purchase Agreement, including without limitation (i) any recording fees or fees
for title policy endorsements and continuations, (ii) the expenses of preparing,
printing and reproducing the Prospectus, the Prospectus Supplement, the
Supplement, the Underwriting Agreement, the Private Placement Memorandum, the
Purchase Agreement, the Pooling and Servicing Agreement and the Certificates and
(iii) the cost of delivering the Certificates to the offices of BAS, insured to
the satisfaction of BAS.

            7. Notices. All demands, notices and communications hereunder shall
be in writing, shall be effective only upon receipt and shall, if sent to the
Purchaser, be addressed to it at Banc of America Mortgage Securities, Inc., 214
North Tryon Street, Charlotte, North Carolina, 28255, Attention: General Counsel
with a copy to the Chief Financial Officer, or if sent

<PAGE>

to the Seller, be addressed to it at Bank of America, N.A., 101 South Tryon
Street, Charlotte, North Carolina, 28255, Attention: General Counsel with a copy
to the Treasurer.

            8. Trustee Beneficiary. The representations, warranties and
agreements made by the Seller in this Agreement are made for the benefit of, and
may be enforced by, the Trustee and the Holders of Certificates to the same
extent that the Trustee and the Holders of Certificates, respectively, have
rights against the Purchaser under the Pooling and Servicing Agreement in
respect of representations, warranties and agreements made by the Purchaser
therein.

            9. Recharacterization. The parties to this Agreement intend the
conveyance by the Seller to the Purchaser of all of its right, title and
interest in and to the Mortgage Loans pursuant to this Agreement to constitute a
purchase and sale and not a loan. Notwithstanding the foregoing, to the extent
that such conveyance is held not to constitute a sale under applicable law, it
is intended that this Agreement shall constitute a security agreement under
applicable law and that the Seller shall be deemed to have granted to the
Purchaser a first priority security interest in all of the Seller's right, title
and interest in and to the Mortgage Loans.

            10. Miscellaneous. This Agreement shall be governed by and construed
in accordance with the laws of the State of New York without regard to the
conflict of law provisions. Neither this Agreement nor any term hereof may be
changed, waived, discharged or terminated except by a writing signed by the
party against whom enforcement of such change, waiver, discharge or termination
is sought. This Agreement may not be changed in any manner which would have a
material adverse effect on Holders of Certificates without the prior written
consent of the Trustee. The Trustee shall be protected in consenting to any such
change to the same extent provided in Article IX of the Pooling and Servicing
Agreement. This Agreement may be signed in any number of counterparts, each of
which shall be deemed an original, which taken together shall constitute one and
the same instrument. This Agreement shall bind and inure to the benefit of and
be enforceable by the Purchaser and the Seller and their respective successors
and assigns.

<PAGE>

            IN WITNESS WHEREOF, the Purchaser and the Seller have caused this
Agreement to be duly executed by their respective officers as of the day and
year first above written.

                                   BANC OF AMERICA MORTGAGE SECURITIES, INC.

                                   By: _____________________________________
                                       Name:
                                       Title:

                                   BANK OF AMERICA, NATIONAL ASSOCIATION

                                   By: _____________________________________
                                       Name:
                                       Title:Exhibit 10.1

                                    Confidential Treatment Request
                                    [*] indicates information that has been
                                    omitted pursuant to a confidential treatment
                                    request and this information has been filed
                                    under separate cover with the Commission.

                                                EXECUTION COPY DECEMBER 12, 2005

                            IntelliPharmaCeutics Corp.

                                     -and-

                           Elite Laboratories, Inc.,

                                     -and-

                          Elite Pharmaceuticals, Inc.

* Portions of this exhibit have been omitted and filed separately pursuant to an
application  for  confidential  treatment filed with the Securities and Exchange
Commission,  pursuant to Rule 24b-2 under the Securities Exchange Act of 1934 as
amended.

<PAGE>

                                                EXECUTION COPY DECEMBER 12, 2005

BETWEEN:

                           INTELLIPHARMACEUTICS CORP.,
                               30 Worcester Road,
                                Toronto, Ontario,
                                 Canada M9W 5X2
                          (referred to herein as "IPC")

                                      -and-

            ELITE LABORATORIES, INC., AND ELITE PHARMACEUTICALS, INC.
                               165 Ludlow Avenue,
                                  Northvale, NJ
                                    USA 07657
                  (collectively referred to herein as "Elite")

RECITALS

1.   IPC  is in  the  business  of  the  development  and  commercialization  of
     controlled release pharmaceutical products.

2.   Elite  is in the  business  of the  development  and  commercialization  of
     pharmaceutical products.

3.   Elite and IPC have  heretofore  entered into an  agreement,  dated June 22,
     2005,  (the  "Intelli-Elite  Agreement"),  concerning the  development  and
     commercialization  of capsules containing delayed release  lansoprazole for
     Canada, the United States and Mexico.

4.   ratiopharm  inc., a Canadian  company with its head office  located at 6975
     Creditview Road, Unit 5, Mississauga, Ontario, Canada, L8N 8E9 (referred to
     herein as  "ratiopharm")  and IPC  intend to enter into an  agreement  (the
     "Intelli-ratiopharm  Agreement"),  whereby  IPC  will  develop,  for and on
     behalf  of  ratiopharm,  generic  Prevacid(R) capsules  containing  delayed
     release   lansoprazole  (referred  to  herein  as  the  "Generic   Canadian
     Prevacid(R)  Product")  for  distribution  and  sale in  Canada  only  (the
     "Canadian Development and Distribution").

5.   IntelliPharmceutics   and  Elite   desire  to  qualify   certain  of  their
     obligations  under the  Intelli-Elite  Agreement  in  respect  of  Canadian
     development only, as provided herein.

6.   Capitalized  terms herein which are not  otherwise  defined  shall have the
     meaning provided in the Intelli-Elite Agreement.

<PAGE>

                                                EXECUTION COPY DECEMBER 12, 2005

                                      -2-

NOW THEREFORE, in consideration of the exchange of mutual promises and covenants
contained in this Agreement, and for other good and valuable consideration,  the
receipt and  sufficiency  of which is hereby  acknowledged  by each  party,  the
Parties hereby agree as follows:

1.   Subject to the commencement of commercial sales in Canada,  by or on behalf
of ratiopharm or its heirs, assigns or sub-licensees  (referred to herein as the
"Canadian Commercialization") of a Generic Canadian Prevacid(R) Product pursuant
to the Intelli-ratiopharm  Agreement,  the duties and obligations of each of IPC
and Elite under the  Intelli-Elite  agreement as they pertain to the development
and commercialization in and for Canada of capsules containing a delayed release
lansoprazole  generic of Canadian  Prevacid(R) (the Canadian  Obligations),  are
hereby suspended  indefinitely,  commencing from the date of this Agreement. The
parties  hereby  release each other from the  performance  of all such  Canadian
Obligations during the full period of such suspension and for a period of thirty
(30) days thereafter.

2.   Upon  the  Canadian   Commercialization  of  Generic  Canadian  Prevacid(R)
Product,  pursuant to the  Intelli-ratiopharm  Agreement,  the suspension of the
Canadian Obligations of each of the parties shall become irrevocably permanent.

3.   Upon  the  Canadian   Commercialization  of  Generic  Canadian  Prevacid(R)
Product, pursuant to the Intelli-ratiopharm Agreement, and subject to provisions
of paragraph 4 herein,  IPC shall pay Elite from time to time  amounts  equal to
[*] percent ([*]%) of any payments (other than the milestone  payments  provided
in Schedule 11.0 of the  Intelli-ratiopharm  Agreement) received by IPC from the
Canadian Commercialization of Generic Canadian Prevacid(R) Product, as from time
to time become due and owing and are paid to IPC by ratiopharm,  under Paragraph
11.5 of the Intelli-ratiopharm  Agreement,  or by any successor,  sublicensee or
assignee of the rights  thereafter.  IPC will make such payments to Elite within
thirty (30) days of the receipt of such payments by IPC from ratiopharm,  or its
heirs, assigns or sublicensees, together with such accounts as IPC receives from
ratiopharm,  its heirs, assigns or sublicensees in respect of such payments. The
US Dollar  equivalent of such  payments to Elite shall be  calculated  using the
rate of exchange  between the currency in question and US dollars as reported in
the Wall Street Journal on the business day immediately  proceeding the day that
the ratiopharm  payment is received by  IntelliPharmaCeutics.  A late fee at the
rate of [*]% per month shall be assessed  for any late  payments of royalties by
IPC.

4.   Elite hereby  agrees that IPC may withhold and retain such  amounts,  being
equal to [*] percent ([*]%) of any such royalties received,  as would be paid to
Elite under Paragraph 3 above,  for IPC's sole use and benefit,  until such time
as the sum of the amounts  withheld and retained is equal to an aggregate of [*]
dollars in United States  currency  (US$[*]),  after which time IPC shall pay to
Elite the amounts contemplated at Paragraph 3 above.

<PAGE>

                                                EXECUTION COPY DECEMBER 12, 2005

                                      -3-

5.   If the  Intelli-ratiopharm  Agreement is terminated for any reason prior to
Canadian  Commercialization,  the suspension of the Canadian Obligations of both
parties shall be lifted  commencing from the thirtieth (30th) day next following
the receipt by Elite from  IntelliPharmaCeutics  of written notice thereof,  and
the  Canadian  Obligations  of Elite and IPC shall then resume in full force and
effect as originally provided in the Intelli-Elite Agreement.

6.

          6.1 The parties agree and confirm that IPC has delivered to Elite,  in
     strict  confidence,  an  initialed  copy of a  proposed  Intelli-ratiopharm
     Agreement,  for  Elite's  review  only,  for the  purposes  of  considering
     entering the Amendment herein (the "Purpose").

          6.2 IPC hereby agrees that,  upon execution of the  Intelli-ratiopharm
     Agreement,  it will deliver to Elite, in strict  confidence,  a copy of the
     Intelli-ratiopharm Agreement as executed, and warrants that such agreement,
     as  executed,  will  have  terms  substantially  identical  to those of the
     initialled draft now in the hands of Elite.

          6.3 Elite  hereby  acknowledges  that all copies of the  proposed  and
     executed  Intelli-ratiopharm  Agreement  were delivered to it in confidence
     and agrees that it will so keep them in  confidence  and will not  publish,
     disclose or use them in any way except for the Purpose herein contemplated.

7.   Elite hereby agrees and confirms  that, as between the parties,  IPC is the
sole and  exclusive  owner of all  trade  secrets,  know-how  and drug  delivery
technology in respect of the Generic Canadian Prevacid(R) Product.  Elite hereby
further  agrees  that,  subject to the terms  hereof,  IPC is fully  entitled to
undertake the development of Generic  Canadian  Prevacid Product as contemplated
in the Intelli-ratiopharm  Agreement.  IPC hereby agrees to indemnify Elite from
all  third  party   claims   against   Elite   arising   out  of  the   Canadian
Commercialization  of Generic  Canadian  Prevacid(R)  Product,  pursuant  to the
Intelli-ratiopharm Agreement.

8.   The  term  of  this   Agreement   shall  coincide  with  the  term  of  the
Intelli-ratiopharm  Agreement. At such time as ratiopharm, or its heirs, assigns
or  sub-licensees  are no longer  obligated  to pay  royalty  payments to IPC in
respect  of the  Canadian  Commercialization  of  Generic  Canadian  Prevacid(R)
Product,  IPC's  obligation  to pay to Elite any  monies in  respect of sales in
Canada shall also cease.

9.   Notices to each of the parties  shall be effective if delivered by pre-paid
registered mail to

IPC Corp.,
30 Worcester Road,
Toronto, Ontario
Canada M9W 5X2
Attention: The President (strictly confidential)

<PAGE>

                                                EXECUTION COPY DECEMBER 12, 2005

                                      -4-

ELITE LABORATORIES, INC., AND/OR ELITE PHARMACEUTICALS, INC.,
165 Ludlow Avenue,
Northvale, NJ
USA 07657
Attention: The President (strictly confidential)

10.  This Amendment  shall be governed by and interpreted in accordance with the
laws of the State of New York,  United States of America without regard to their
conflict of laws principles.

11.  Except  as  specifically  provided  in this  Agreement,  the  Intelli-Elite
Agreement remains unmodified and in full force and effect.

THIS  AGREEMENT IS MADE  EFFECTIVE  AND EXECUTED AS OF THE 12TH DAY OF DECEMBER,
2005 AND SIGNED BY THE DULY AUTHORIZED REPRESENTATIVES OF THE PARTIES.

ELITE PHARMACEUTICALS, INC.,             IPC CORP.

By:    /s/ Bernard Berk                  By:    /s/ Isa Odidi
       ---------------------------              ---------------------------

Name:  Bernard Berk                      Name:  Isa Odidi
       ---------------------------              ---------------------------

Title: CEO                               Title: CEO
       ---------------------------              ---------------------------

ELITE LABORATORIES, INC.

By:    /s/ Bernard Berk
       ---------------------------

Name:  Bernard Berk
       ---------------------------

Title: CEO
       ---------------------------

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