EX-4 3 ba567311-ex4.txt POOLING AND SERV. AGMT =============================================================================== BANK OF AMERICA MORTGAGE SECURITIES, INC., as Depositor, BANK OF AMERICA, N.A., as Servicer, and THE BANK OF NEW YORK, as Trustee POOLING AND SERVICING AGREEMENT Dated May 24, 2001 ----------------------- Mortgage Pass-Through Certificates Series 2001-6 =============================================================================== TABLE OF CONTENTS PRELIMINARY STATEMENT....................................................... ARTICLE I DEFINITIONS Section 1.01 Defined Terms................................................. Section 1.02 Interest Calculations......................................... ARTICLE II CONVEYANCE OF MORTGAGE LOANS ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01 Conveyance of Mortgage Loans.................................. Section 2.02 Acceptance by the Trustee of the Mortgage Loans............... Section 2.03 Representations, Warranties and Covenants of the Servicer..... Section 2.04 Representations and Warranties of the Depositor as to the Mortgage Loans.......................................... Section 2.05 Designation of Interests in the REMICs........................ Section 2.06 Designation of Start-up Day................................... Section 2.07 REMIC Certificate Maturity Date............................... Section 2.08 Execution and Delivery of Certificates........................ ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01 Servicer to Service Mortgage Loans............................ Section 3.02 Subservicing; Enforcement of the Obligations of Servicer...... Section 3.03 Fidelity Bond; Errors and Omissions Insurance................. Section 3.04 Access to Certain Documentation............................... Section 3.05 Maintenance of Primary Insurance Policy; Claims............... Section 3.06 Rights of the Depositor and the Trustee in Respect of the Servicer............................................. Section 3.07 Trustee to Act as Servicer.................................... Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial Account; and Certificate Account.................. Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow Accounts............................................. Section 3.10 Access to Certain Documentation and Information Regarding the Mortgage Loans................................ Section 3.11 Permitted Withdrawals from the Servicer Custodial Account and Certificate Accounts............................ Section 3.12 Maintenance of Hazard Insurance............................... Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements..... Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property....... Section 3.15 Trustee to Cooperate; Release of Mortgage Files............... Section 3.16 Documents, Records and Funds in Possession of the Servicer to be Held for the Trustee......................... Section 3.17 Servicing Compensation........................................ Section 3.18 Annual Statement as to Compliance............................. Section 3.19 Annual Independent Public Accountants' Servicing Statement; Financial Statements............................. Section 3.20 Advances...................................................... Section 3.21 Modifications, Waivers, Amendments and Consents............... Section 3.22 Reports to the Securities and Exchange Commission............. Section 3.23 Maintenance of the Rounding Accounts; Collections Thereunder.. ARTICLE IV SERVICER'S CERTIFICATE Section 4.01 Servicer's Certificate........................................ ARTICLE V PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS; REMIC ADMINISTRATION Section 5.01 Distributions................................................. Section 5.02 Priorities of Distributions................................... Section 5.03 Allocation of Losses.......................................... Section 5.04 Statements to Certificateholders.............................. Section 5.05 Tax Returns and Reports to Certificateholders................. Section 5.06 Tax Matters Person............................................ Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee.... Section 5.08 REMIC Related Covenants....................................... Section 5.09 Principal Distributions on the Special Retail Certificates.... Section 5.10 Determination of LIBOR........................................ ARTICLE VI THE CERTIFICATES Section 6.01 The Certificates.............................................. Section 6.02 Registration of Transfer and Exchange of Certificates......... Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates............. Section 6.04 Persons Deemed Owners......................................... ARTICLE VII THE DEPOSITOR AND THE SERVICER Section 7.01 Respective Liabilities of the Depositor and the Servicer...... Section 7.02 Merger or Consolidation of the Depositor or the Servicer...... Section 7.03 Limitation on Liability of the Depositor, the Servicer and Others.................................................. Section 7.04 Depositor and Servicer Not to Resign.......................... ARTICLE VIII DEFAULT Section 8.01 Events of Default............................................. Section 8.02 Remedies of Trustee........................................... Section 8.03 Directions by Certificateholders and Duties of Trustee During Event of Default............................. Section 8.04 Action upon Certain Failures of the Servicer and upon Event of Default....................................... Section 8.05 Trustee to Act; Appointment of Successor...................... Section 8.06 Notification to Certificateholders............................ ARTICLE IX THE TRUSTEE Section 9.01 Duties of Trustee............................................. Section 9.02 Certain Matters Affecting the Trustee......................... Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans......... Section 9.04 Trustee May Own Certificates.................................. Section 9.05 Eligibility Requirements for Trustee.......................... Section 9.06 Resignation and Removal of Trustee............................ Section 9.07 Successor Trustee............................................. Section 9.08 Merger or Consolidation of Trustee............................ Section 9.09 Appointment of Co-Trustee or Separate Trustee................. Section 9.10 Authenticating Agents......................................... Section 9.11 Trustee's Fees and Expenses................................... Section 9.12 Appointment of Custodian...................................... Section 9.13 Paying Agents................................................. Section 9.14 Limitation of Liability....................................... Section 9.15 Trustee May Enforce Claims Without Possession of Certificates................................................ Section 9.16 Suits for Enforcement......................................... Section 9.17 Waiver of Bond Requirement.................................... Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement..... ARTICLE X TERMINATION Section 10.01 Termination upon Purchase by the Depositor or Liquidation of All Mortgage Loans.......................... Section 10.02 Additional Termination Requirements.......................... ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment.................................................... Section 11.02 Recordation of Agreement..................................... Section 11.03 Limitation on Rights of Certificateholders................... Section 11.04 Governing Law................................................ Section 11.05 Notices...................................................... Section 11.06 Severability of Provisions................................... Section 11.07 Certificates Nonassessable and Fully Paid.................... Section 11.08 Access to List of Certificateholders......................... Section 11.09 Recharacterization........................................... EXHIBITS -------- Exhibit A-1-A-1 - Form of Face of Class 1-A-1 Certificate Exhibit A-1-A-2 - Form of Face of Class 1-A-2 Certificate Exhibit A-1-A-3 - Form of Face of Class 1-A-3 Certificate Exhibit A-1-A-4 - Form of Face of Class 1-A-4 Certificate Exhibit A-1-A-5 - Form of Face of Class 1-A-5 Certificate Exhibit A-1-A-6 - Form of Face of Class 1-A-6 Certificate Exhibit A-1-A-7 - Form of Face of Class 1-A-7 Certificate Exhibit A-1-A-8 - Form of Face of Class 1-A-8 Certificate Exhibit A-1-A-9 - Form of Face of Class 1-A-9 Certificate Exhibit A-1-A-10 - Form of Face of Class 1-A-10 Certificate Exhibit A-1-A-11 - Form of Face of Class 1-A-11 Certificate Exhibit A-1-A-12 - Form of Face of Class 1-A-12 Certificate Exhibit A-1-A-13 - Form of Face of Class 1-A-13 Certificate Exhibit A-1-A-14 - Form of Face of Class 1-A-14 Certificate Exhibit A-1-A-15 - Form of Face of Class 1-A-15 Certificate Exhibit A-1-A-16 - Form of Face of Class 1-A-16 Certificate Exhibit A-1-A-17 - Form of Face of Class 1-A-17 Certificate Exhibit A-1-A-18 - Form of Face of Class 1-A-18 Certificate Exhibit A-1-A-19 - Form of Face of Class 1-A-19 Certificate Exhibit A-1-A-20 - Form of Face of Class 1-A-20 Certificate Exhibit A-1-A-21 - Form of Face of Class 1-A-21 Certificate Exhibit A-1-A-22 - Form of Face of Class 1-A-22 Certificate Exhibit A-1-A-23 - Form of Face of Class 1-A-23 Certificate Exhibit A-1-A-24 - Form of Face of Class 1-A-24 Certificate Exhibit A-1-A-25 - Form of Face of Class 1-A-25 Certificate Exhibit A-1-A-26 - Form of Face of Class 1-A-26 Certificate Exhibit A-1-A-27 - Form of Face of Class 1-A-27 Certificate Exhibit A-1-A-28 - Form of Face of Class 1-A-28 Certificate Exhibit A-1-A-29 - Form of Face of Class 1-A-29 Certificate Exhibit A-1-A-30 - Form of Face of Class 1-A-30 Certificate Exhibit A-1-A-31 - Form of Face of Class 1-A-31 Certificate Exhibit A-1-A-32 - Form of Face of Class 1-A-32 Certificate Exhibit A-1-A-33 - Form of Face of Class 1-A-33 Certificate Exhibit A-1-A-PO - Form of Face of Class 1-A-PO Certificate Exhibit A-1-A-R - Form of Face of Class 1-A-R Certificate Exhibit A-2-A-1 - Form of Face of Class 2-A-1 Certificate Exhibit A-2-A-2 - Form of Face of Class 2-A-2 Certificate Exhibit A-2-A-PO - Form of Face of Class 2-A-PO Certificate Exhibit A-2-A-R - Form of Face of Class 2-A-R Certificate Exhibit B-1-B-1 - Form of Face of Class 1-B-1 Certificate Exhibit B-1-B-2 - Form of Face of Class 1-B-2 Certificate Exhibit B-1-B-3 - Form of Face of Class 1-B-3 Certificate Exhibit B-1-B-4 - Form of Face of Class 1-B-4 Certificate Exhibit B-1-B-5 - Form of Face of Class 1-B-5 Certificate Exhibit B-1-B-6 - Form of Face of Class 1-B-6 Certificate Exhibit B-2-B-1 - Form of Face of Class 2-B-1 Certificate Exhibit B-2-B-2 - Form of Face of Class 2-B-2 Certificate Exhibit B-2-B-3 - Form of Face of Class 2-B-3 Certificate Exhibit B-2-B-4 - Form of Face of Class 2-B-4 Certificate Exhibit B-2-B-5 - Form of Face of Class 2-B-5 Certificate Exhibit B-2-B-6 - Form of Face of Class 2-B-6 Certificate Exhibit C Form of Reverse of all Certificates................. Exhibit D-1 Mortgage Loan Schedule (Loan Group 1)............... Exhibit D-2 Mortgage Loan Schedule (Loan Group 2)............... Exhibit E Request for Release of Documents.................... Exhibit F Form of Certification of Establishment of Account... Exhibit G-1 Form of Transferor's Certificate.................... Exhibit G-2A Form 1 of Transferee's Certificate.................. Exhibit G-2B Form 2 of Transferee's Certificate.................. Exhibit H Form of Transferee Representation Letter for ERISA Restricted Certificates................. Exhibit I Form of Affidavit Regarding Transfer of Residual Certificates............................. Exhibit J Contents of Servicing File.......................... Exhibit K Form of Special Servicing Agreement................. Exhibit L List of Recordation States.......................... Exhibit M Planned Principal Balance Schedule.................. POOLING AND SERVICING AGREEMENT THIS POOLING AND SERVICING AGREEMENT, dated May 24, 2001, is hereby executed by and among BANK OF AMERICA MORTGAGE SECURITIES, INC., as depositor (together with its permitted successors and assigns, the "Depositor"), BANK OF AMERICA, N.A., as servicer (together with its permitted successors and assigns, the "Servicer"), and THE BANK OF NEW YORK, as trustee (together with its permitted successors and assigns, the "Trustee"). W I T N E S S E T H T H A T: - - - - - - - - - - - - - - In consideration of the mutual agreements herein contained, the Depositor, the Servicer and the Trustee agree as follows: PRELIMINARY STATEMENT In exchange for the Certificates, the Depositor hereby conveys the Trust Estate to the Trustee to create the Trust. The Trust Estate for federal income tax purposes will be treated as two separate real estate mortgage investment conduits ("REMIC 1" and "REMIC 2"). The Class A Certificates (other than the Class 1-A-R and Class 2-A-R Certificates) and the Class B Certificates are referred to collectively as the "Regular Certificates" and shall constitute "regular interests" in the applicable REMIC. The Class 1-A-R and Class 2-A-R Certificates shall be the "residual interests" in REMIC 1 and REMIC 2, respectively. The Certificates will represent the entire beneficial ownership interest in the Trust. The "latest possible maturity date" for federal income tax purposes of all interests created hereby will be the applicable REMIC Certificate Maturity Date. The following table sets forth characteristics of the Certificates, together with the minimum denominations and integral multiples in excess thereof in which the Classes of Certificates shall be issuable (except that one Certificate of each Class of Certificates may be issued in any amount in excess of the minimum denomination):
====================== ========================== ================= ==================== ==================== Integral Multiples Initial Class Pass-Through Minimum in Excess Classes Certificate Balance Rate Denomination of Minimum ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-1 $ 119,690,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-2 $ 40,000,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-3 $ 2,746,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-4 $ 11,278,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-5 $ 30,000,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-6 $ 2,300,000.00 7.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-7 $ 2,300,000.00 7.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-8 $ 2,300,000.00 7.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-9 $ 2,300,000.00 7.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-10 $ 4,522,620.00 7.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-11 $ 1,583,380.00 (4) $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-12 $ 1,157,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-13 $ 9,000,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-14 $ 4,000,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-15 $ 4,171,928.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-16 $ 5,000,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-17 $ 8,843,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-18 $ 6,000,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-19 $ 5,000,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-20 $ 3,500,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-21 $ 1,000,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-22 $ 2,264,705.00 (1) $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-23 $ 372,058.00 (2) $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-24 $ 113,237.00 (3) $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-25 $ 2,000,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-26 $ 1,500,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-27 $ 1,500,000.00 7.000% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-28 $ 2,000,000.00 7.000% $1,000 $1,000 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-29 $ 129,735,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-30 $ 1,801,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-31 $ 4,417,072.00 (4) $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-32 $ 50,000,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-33 $ 21,344,000.00 6.500% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-PO $ 50,487.00 (4) $25,000 N/A ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-A-R $ 100.00 6.500% $100 N/A ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-A-1 $ 120,443,000.00 6.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-A-2 $ 2,820,000.00 6.250% $1,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-A-PO $ 9,374.00 (4) N/A N/A ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-A-R $ 100.00 6.250% N/A N/A ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-1 $ 8,273,000.00 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-2 $ 3,761,000.00 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-3 $ 2,257,000.00 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-4 $ 1,254,000.00 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-5 $ 1,003,000.00 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 1-B-6 $ 1,002,943.77 6.500% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-1 $ 753,000.00 6.250% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-2 $ 440,000.00 6.250% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-3 $ 440,000.00 6.250% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-4 $ 251,000.00 6.250% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-5 $ 126,000.00 6.250% $25,000 $1 ---------------------- ---------------------- -------------------- -------------------- -------------------- Class 2-B-6 $ 189,077.51 6.250% $25,000 $1 ====================== ====================== ==================== ==================== ====================
(1) During the initial Interest Accrual Period, interest will accrue on the Class 1-A-22 Certificates at a rate of 5.65% per annum. During each Interest Accrual Period thereafter, interest will accrue on the Class 1-A-22 Certificates at a per annum rate equal to (i) 0.50% plus (ii) LIBOR, subject to a minimum rate of 1.20% and a maximum rate of 8.50%. (2) During the initial Interest Accrual Period, interest will accrue on the Class 1-A-23 Certificates at a rate of 14.00% per annum. During each Interest Accrual Period thereafter, interest will accrue on the Class 1-A-23 Certificates at a per annum rate equal to (i) 14.086957% minus (ii) the product of 6.086957 and LIBOR, subject to a minimum rate of 0.00% and a maximum rate of 41.086957%. (3) During the initial Interest Accrual Period, interest will accrue on the Class 1-A-24 Certificates at a rate of 11.00% per annum. During each Interest Accrual Period thereafter, interest will accrue on the Class 1-A-24 Certificates at a per annum rate equal to (i) 146.00% minus (ii) the product of 20.00 and LIBOR, subject to a minimum rate of 0.00% and a maximum rate of 11.00%. (4) The Class 1-A-11, Class 1-A-31, Class 1-A-PO and Class 2-A-PO Certificates will be Principal-Only Certificates and will not bear interest. ARTICLE I DEFINITIONS Section 1.01 Defined Terms. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article: 1933 Act: The Securities Act of 1933, as amended. Accretion Termination Date: (a) For the Class 1-A-3 Certificates, the earlier to occur of (i) the Distribution Date following the Distribution Date on which the Class Certificate Balance of the Class 1-A-1 Certificates has been reduced to zero or (ii) the Senior Credit Support Depletion Date for Group 1 and (b) for the Class 1-A-30 Certificates, the earlier to occur of (i) the Distribution Date following the Distribution Date on which the Class Certificate Balance of the Class 1-A-29 Certificates has been reduced to zero or (ii) the Senior Credit Support Depletion Date for Group 1. Accrual Certificates: The Class 1-A-3 and Class 1-A-30 Certificates. Accrual Distribution Amount: For any Distribution Date and any Class of Accrual Certificates prior to the applicable Accretion Termination Date, an amount with respect to such Class equal to the sum of (i) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (i) of the definition of "Interest Distribution Amount" and (ii) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (ii) of the definition of "Interest Distribution Amount." Accrued Certificate Interest: For any Distribution Date and each interest-bearing Class, one month's interest accrued during the related Interest Accrual Period at the applicable Pass-Through Rate on the applicable Class Certificate Balance. Adjusted Pool Amount: With respect to any Distribution Date and Loan Group, the Cut-Off Date Pool Principal Balance of the Mortgage Loans in such Loan Group minus the sum of (i) all amounts in respect of principal received in respect of the Mortgage Loans in such Loan Group (including, without limitation, amounts received as Monthly Payments, Periodic Advances, Principal Prepayments, Liquidation Proceeds and Substitution Adjustment Amounts) and distributed to Holders of the Certificates of the Related Group on such Distribution Date and all prior Distribution Dates and (ii) the principal portion of all Realized Losses (other than Debt Service Reductions) incurred on the Mortgage Loans in such Loan Group from the Cut-Off Date through the end of the month preceding such Distribution Date. Adjusted Pool Amount (PO Portion): With respect to any Distribution Date and Loan Group, the sum of the amounts, calculated as follows, with respect to all Outstanding Mortgage Loans of such Loan Group: the product of (i) the PO Percentage for each such Mortgage Loan and (ii) the remainder of (A) the Cut-Off Date Principal Balance of such Mortgage Loan minus (B) the sum of (x) all amounts in respect of principal received in respect of such Mortgage Loan (including, without limitation, amounts received as Monthly Payments, Periodic Advances, Principal Prepayments, Liquidation Proceeds and Substitution Adjustment Amounts) and distributed to Holders of the Certificates of the Related Group on such Distribution Date and all prior Distribution Dates and (y) the principal portion of any Realized Loss (other than a Debt Service Reduction) incurred on such Mortgage Loan from the Cut-Off Date through the end of the month preceding such Distribution Date. Advance: A Periodic Advance or a Servicing Advance. Agreement: This Pooling and Servicing Agreement together with all amendments hereof and supplements hereto. Amount Held for Future Distribution: As to any Distribution Date and Loan Group, the total of the amounts held in the Servicer Custodial Account at the close of business on the preceding Determination Date on account of (i) Principal Prepayments and Liquidation Proceeds received or made on the Mortgage Loans in such Loan Group in the month of such Distribution Date and (ii) payments which represent receipt of Monthly Payments on the Mortgage Loans in such Loan Group in respect of a Due Date or Due Dates subsequent to the related Due Date. Appraised Value: With respect to any Mortgaged Property, either (i) the lesser of (a) the appraised value determined in an appraisal obtained by the originator at origination of such Mortgage Loan and (b) the sales price for such property, except that, in the case of Mortgage Loans the proceeds of which were used to refinance an existing mortgage loan, the Appraised Value of the related Mortgaged Property is the appraised value thereof determined in an appraisal obtained at the time of refinancing, or (ii) the appraised value determined in an appraisal made at the request of a Mortgagor subsequent to origination in order to eliminate the Mortgagor's obligation to keep a Primary Insurance Policy in force. Assignment of Mortgage: An individual assignment of the Mortgage, notice of transfer or equivalent instrument in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to give record notice of the sale of the Mortgage. Authenticating Agents: As defined in Section 9.10. Bankruptcy Loss: Any Deficient Valuation or Debt Service Reduction. Bankruptcy Loss Amount: As of any Distribution Date and Loan Group, the Initial Bankruptcy Loss Amount for such Loan Group less the aggregate amount of Bankruptcy Losses previously incurred on the Mortgage Loans in such Loan Group during the period from the Cut-Off Date through the last day of the month preceding the month of such Distribution Date; provided, however, that such amount may be reduced from time to time with the written consent of the Rating Agencies provided that such reduction does not result in a downgrading to the current rating of the Certificates of the Related Group. Book-Entry Certificate: All Classes of Certificates other than the Physical Certificates. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of North Carolina, the State of New York, the State of Kentucky, the Commonwealth of Virginia, the state in which the servicing offices of the Servicer is located or the state in which the Corporate Trust Office is located are required or authorized by law or executive order to be closed. Certificate: Any of the Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-6 that are issued pursuant to this Agreement. Certificate Account: The separate Eligible Accounts for each Group created and maintained by the Trustee pursuant to Section 3.08(c) in the name of the Trustee for the benefit of the Certificateholders and designated "The Bank of New York, in trust for registered holders of Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-6." Funds in the related Certificate Account shall be held in trust for the Holders of the Certificates of such Group for the uses and purposes set forth in this Agreement. Certificate Balance: With respect to any Certificate at any date, the maximum dollar amount of principal to which the Holder thereof is then entitled hereunder, such amount being equal to the product of the Percentage Interest of such Certificate and the Class Certificate Balance of the Class of Certificates of which such Certificate is a part. Certificate Custodian: Initially, The Bank of New York; thereafter any other Certificate Custodian acceptable to the Depository and selected by the Trustee. Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of a Book-Entry Certificate. With respect to any Definitive Certificate, the Certificateholder of such Certificate. Certificate Register: The register maintained pursuant to Section 6.02. Certificate Registrar: The registrar appointed pursuant to Section 6.02. Certificateholder: The Person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purpose of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Depositor, the Servicer or any affiliate thereof shall be deemed not to be outstanding and the Percentage Interest and Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights, as the case may be, necessary to effect any such consent has been obtained, unless such entity is the registered owner of the entire Class of Certificates, provided that the Trustee shall not be responsible for knowing that any Certificate is registered in the name of such an affiliate unless one of its Responsible Officers has actual knowledge. Class: As to the Certificates, the Class 1-A-1, Class 1-A-2, Class 1-A-3, Class 1-A-4, Class 1-A-5, Class 1-A-6, Class 1-A-7, Class 1-A-8, Class 1-A-9, Class 1-A-10, Class 1-A-11, Class 1-A-12, Class 1-A-13, Class 1-A-14, Class 1-A-15, Class 1-A-16, Class 1-A-17, Class 1-A-18, Class 1-A-19, Class 1-A-20, Class 1-A-21, Class 1-A-22, Class 1-A-23, Class 1-A-24, Class 1-A-25, Class 1-A-26, Class 1-A-27, Class 1-A-28, Class 1-A-29, Class 1-A-30, Class 1-A-31, Class 1-A-32, Class 1-A-33, Class 1-A-PO, Class 1-A-R, Class 2-A-1, Class 2-A-2, Class 2-A-PO, Class 2-A-R, Class 1-B-1, Class 1-B-2, Class 1-B-3, Class 1-B-4, Class 1-B-5, Class 1-B-6, Class 2-B-1, Class 2-B-2, Class 2-B-3, Class 2-B-4, Class 2-B-5 and Class 2-B-6 Certificates, as the case may be. Class A Certificates: The Class 1-A-1, Class 1-A-2, Class 1-A-3, Class 1-A-4, Class 1-A-5, Class 1-A-6, Class 1-A-7, Class 1-A-8, Class 1-A-9, Class 1-A-10, Class 1-A-11, Class 1-A-12, Class 1-A-13, Class 1-A-14, Class 1-A-15, Class 1-A-16, Class 1-A-17, Class 1-A-18, Class 1-A-19, Class 1-A-20, Class 1-A-21, Class 1-A-22, Class 1-A-23, Class 1-A-24, Class 1-A-25, Class 1-A-26, Class 1-A-27, Class 1-A-28, Class 1-A-29, Class 1-A-30, Class 1-A-31, Class 1-A-32, Class 1-A-33, Class 1-A-R, Class 1-A-PO, Class 2-A-1, Class 2-A-2, Class 2-A-R and Class 2-A-PO Certificates. Class A-PO Certificates: The Class 1-A-PO and Class 2-A-PO Certificates. Class A-PO Deferred Amount: As to any Distribution Date and each Class of Class A-PO Certificates prior to the applicable Senior Credit Support Depletion Date, the aggregate of the applicable PO Percentage of each Realized Loss, other than an Excess Loss, on the Mortgage Loans in the Related Loan Group to be allocated to the Class A-PO Certificates of the Related Group on such Distribution Date or previously allocated to such Class A-PO Certificates and not yet paid to the Holders of such Class A-PO Certificates pursuant to Section 5.02(a)(iii). Class 1-A-3 Accrual Distribution Amount: For any Distribution Date and the Class 1-A-3 Certificates prior to the applicable Accretion Termination Date, an amount with respect to such Class equal to the sum of (i) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (i) of the definition of "Interest Distribution Amount," and (ii) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (ii) of the definition of "Interest Distribution Amount." Class 1-A-30 Accrual Distribution Amount: For any Distribution Date and the Class 1-A-30 Certificates prior to the applicable Accretion Termination Date, an amount with respect to such Class equal to the sum of (i) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (i) of the definition of "Interest Distribution Amount," and (ii) the amount allocated but not currently distributable as interest to such Class pursuant to Section 5.02(a)(i) that is attributable to clause (ii) of the definition of "Interest Distribution Amount." Class 2-A-1 Loss Amount: With respect to any Distribution Date after the Senior Credit Support Depletion Date for Group 2, the amount, if any, by which the Class Certificate Balance of the Class 2-A-1 Certificates would be reduced as a result of the allocation of any Realized Loss (other than an Excess Loss) to such Class pursuant to Section 5.03(a)(i) or the allocation of any reduction pursuant to Section 5.03(b) to such Class, in each case without regard to the operation of Section 5.03(e). Class 2-A-2 Loss Allocation Amount: With respect to any Distribution Date after the Senior Credit Support Depletion Date for Group 2, the lesser of (a) the Class Certificate Balance of the Class 2-A-2 Certificates with respect to such Distribution Date prior to any reduction for the Class 2-A-2 Loss Allocation Amount and (b) the Class 2-A-1 Loss Amount with respect to such Distribution Date. Class B Certificates: The Class 1-B-1, Class 1-B-2, Class 1-B-3, Class 1-B-4, Class 1-B-5, Class 1-B-6, Class 2-B-1, Class 2-B-2, Class 2-B-3, Class 2-B-4, Class 2-B-5 and Class 2-B-6 Certificates. Class Certificate Balance: With respect to any Class and any date of determination, the Initial Class Certificate Balance of such Class (plus, in the case of any Class of Accrual Certificates, any Accrual Distribution Amounts previously allocated thereto) minus the sum of (i) all distributions of principal made with respect thereto, (ii) all Realized Losses allocated thereto pursuant to Section 5.03(a), (iii) all other reductions in Class Certificate Balance previously allocated thereto pursuant to Section 5.03(b) and (iv) in the case of the Class 2-A-2 Certificates, any reduction allocated thereto pursuant to Section 5.03(e). Class Interest Shortfall: For any Distribution Date and each interest-bearing Class, the amount by which Accrued Certificate Interest for such Class (as reduced pursuant to Section 5.02(c)) exceeds the amount of interest actually distributed on such Class (or, in the case of a Class of Accrual Certificates prior to the applicable Accretion Termination Date, the amount included in the Accrual Distribution Amount pursuant to clause (i) of the definition thereof, but not distributed as interest on such Class of Accrual Certificates) on such Distribution Date pursuant to clause (i) of the definition of "Interest Distribution Amount." Class Unpaid Interest Shortfall: As to any Distribution Date and each interest-bearing Class, the amount by which the aggregate Class Interest Shortfalls for such Class on prior Distribution Dates exceeds the amount of interest actually distributed on such Class (or, in the case of a Class of Accrual Certificates prior to the applicable Accretion Termination Date, the amount included in the Accrual Distribution Amount thereof pursuant to clause (ii) of the definition thereof, but not distributed as interest on such Class of Accrual Certificates) on such prior Distribution Dates pursuant to clause (ii) of the definition of "Interest Distribution Amount." Closing Date: May 24, 2001. Code: The Internal Revenue Code of 1986, as amended. Compensating Interest: As defined in Section 3.17. Co-op Shares: Shares issued by private non-profit housing corporations. Corporate Trust Office: The principal office of the Trustee at which at any particular time its certificate transfer services are conducted, which office at the date of the execution of this instrument is located at 101 Barclay Street - 12 East, New York, New York 10286, Attention: Corporate Trust - MBS (Fax: (212) 815-5309). Custodian: Initially, the Trustee, and thereafter the Custodian, if any, hereafter appointed by the Trustee pursuant to Section 9.12. The Custodian may (but need not) be the Trustee or any Person directly or indirectly controlling or controlled by or under common control of either of them. Neither the Servicer nor the Depositor, nor any Person directly or indirectly controlling or controlled by or under common control with any such Person may be appointed Custodian. Customary Servicing Procedures: With respect to the Servicer, procedures (including collection procedures) that the Servicer customarily employs and exercises in servicing and administering mortgage loans for its own account and which are in accordance with accepted mortgage servicing practices of prudent lending institutions servicing mortgage loans of the same type as the Mortgage Loans in the jurisdictions in which the related Mortgaged Properties are located. Cut-Off Date: May 1, 2001. Cut-Off Date Pool Principal Balance: For each Loan Group the aggregate of the Cut-Off Date Principal Balances of the Mortgage Loans in such Loan Group which is $501,340,530.79 for Loan Group 1 and $125,471,551.68 for Loan Group 2. Cut-Off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof as of the close of business on the Cut-Off Date, reduced by all installments of principal due on or prior thereto whether or not paid. Debt Service Reduction: As to any Mortgage Loan and any Determination Date, the excess of (i) the Monthly Payment due on the related Due Date under the terms of such Mortgage Loan over (ii) the amount of the monthly payment of principal and/or interest required to be paid with respect to such Due Date by the Mortgagor as established by a court of competent jurisdiction (pursuant to an order which has become final and nonappealable) as a result of a proceeding initiated by or against the related Mortgagor under the Bankruptcy Code, as amended from time to time (11 U.S.C.); provided that no such excess shall be considered a Debt Service Reduction so long as (a) the Servicer is pursuing an appeal of the court order giving rise to any such modification and (b)(1) such Mortgage Loan is not in default with respect to payment due thereunder in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date. Debt Service Reduction Mortgage Loan: Any Mortgage Loan that became the subject of a Debt Service Reduction. Deceased Holder: A Certificate Owner of a Special Retail Certificate who was living at the time such interest was acquired and whose executor or other authorized representative causes to be furnished to the Trustee a certified copy of the death certificate and any additional evidence of death satisfactory to the Trustee and any tax waivers requested by the Trustee. Defective Mortgage Loan: Any Mortgage Loan which is required to be cured, repurchased or substituted for pursuant to Sections 2.02 or 2.04. Deficient Valuation: As to any Mortgage Loan and any Determination Date, the excess of (i) the then outstanding indebtedness under such Mortgage Loan over (ii) the secured valuation thereof established by a court of competent jurisdiction (pursuant to an order which has become final and nonappealable) as a result of a proceeding initiated by or against the related Mortgagor under the Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which such Mortgagor retained such Mortgaged Property; provided that no such excess shall be considered a Deficient Valuation so long as (a) the Servicer is pursuing an appeal of the court order giving rise to any such modification and (b)(1) such Mortgage Loan is not in default with respect to payments due thereunder in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date. Deficient Valuation Mortgage Loan: Any Mortgage Loan that became the subject of a Deficient Valuation. Definitive Certificates: As defined in Section 6.02(c)(iii). Depositor: Bank of America Mortgage Securities, Inc., a Delaware corporation, or its successor in interest, as depositor of the Trust Estate. Depository: The Depository Trust Company, the nominee of which is Cede & Co., as the registered Holder of the Book-Entry Certificates or any successor thereto appointed in accordance with this Agreement. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York. Depository Participant: A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository. Determination Date: As to any Distribution Date, the 16th day of the month of the related Distribution Date or, if such 16th day is not a Business Day, the Business Day immediately preceding such 16th day. Discount Mortgage Loan: Any Group 1 Discount Mortgage Loan or Group 2 Discount Mortgage Loan. Distribution Date: The 25th day of each month beginning in June 2001 (or, if such day is not a Business Day, the next Business Day). Due Date: As to any Distribution Date and each Mortgage Loan, the first day in the calendar month of such Distribution Date. Eligible Account: Any of (i) an account or accounts maintained with (a) Bank of America, N.A., or (b) a federal or state chartered depository institution or trust company the short-term unsecured debt obligations of which (or, in the case of a depository institution or trust company that is the principal subsidiary of a holding company, the debt obligations of such holding company) have the highest short-term ratings of each Rating Agency at the time any amounts are held on deposit therein, or (ii) an account or accounts in a depository institution or trust company in which such accounts are insured by the FDIC (to the limits established by the FDIC) and the uninsured deposits in which accounts are otherwise secured such that, as evidenced by an Opinion of Counsel delivered to the Trustee and to each Rating Agency, the Certificateholders have a claim with respect to the funds in such account or a perfected first priority security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution or trust company in which such account is maintained, or (iii) a trust account or accounts maintained with the trust department of a federal or state chartered depository institution or trust company, acting in its fiduciary capacity or (iv) any other account acceptable to each Rating Agency. Eligible Accounts may bear interest and may include, if otherwise qualified under this definition, accounts maintained with the Trustee. ERISA: The Employee Retirement Income Security Act of 1974, as amended. ERISA Restricted Certificates: Any Class 1-B-4, Class 1-B-5, Class 1-B-6, Class 2-B-4, Class 2-B-5 or Class 2-B-6 Certificate. Escrow Account: As defined in Section 3.09. Escrow Payments: The amounts constituting taxes, assessments, Primary Insurance Policy premiums, fire and hazard insurance premiums and other payments as may be required to be escrowed by the Mortgagor with the mortgagee pursuant to the terms of any Mortgage Note or Mortgage. Event of Default: As defined in Section 8.01. Excess Losses: For any Distribution Date and Loan Group, the amount of any (i) Fraud Losses on the Mortgage Loans in such Loan Group in excess of the Fraud Loss Amount for such Loan Group, (ii) Special Hazard Losses on the Mortgage Loans in such Loan Group in excess of the Special Hazard Loss Amount for such Loan Group or (iii) Bankruptcy Losses on the Mortgage Loans in such Loan Group in excess of the Bankruptcy Loss Amount for such Loan Group. Excess Proceeds: With respect to any Liquidated Mortgage Loan, the amount, if any, by which the sum of any Liquidation Proceeds of such Mortgage Loan received in the calendar month in which such Mortgage Loan became a Liquidated Mortgage Loan, net of any amounts previously reimbursed to the Servicer as Nonrecoverable Advance(s) with respect to such Mortgage Loan pursuant to Section 3.11(a)(iii), exceeds (i) the unpaid principal balance of such Liquidated Mortgage Loan as of the Due Date in the month in which such Mortgage Loan became a Liquidated Mortgage Loan plus (ii) accrued interest at the Mortgage Interest Rate from the Due Date as to which interest was last paid or for which a Periodic Advance was made (and not reimbursed) up to the Due Date applicable to the Distribution Date immediately following the calendar month during which such liquidation occurred. FDIC: The Federal Deposit Insurance Corporation, or any successor thereto. FHLMC: The Federal Home Loan Mortgage Corporation, or any successor thereto. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates of a Group will be made pursuant to Section 10.01. Financial Market Service: Bloomberg Financial Service and any other financial information provider designated by the Depositor by written notice to the Trustee. FIRREA: The Financial Institutions Reform, Recovery and Enforcement Act of 1989, as amended. Fitch: Fitch, Inc., or any successor thereto. FNMA: Fannie Mae, or any successor thereto. Fractional Interest: As defined in Section 5.02(d). Fraud Loss: Realized Losses on Mortgage Loans as to which a loss is sustained by reason of a default arising from fraud, dishonesty or misrepresentation in connection with the related Mortgage Loan, including a loss by reason of the denial of coverage under any related Primary Insurance Policy because of such fraud, dishonesty or misrepresentation. Fraud Loss Amount: For each Distribution Date and Loan Group occurring during the period from the Closing Date through the first anniversary of the Cut-Off Date, the Initial Fraud Loss Amount for such Loan Group reduced by the amount of Fraud Losses on the Mortgage Loans in such Loan Group allocated to the Certificates of the Related Group. Thereafter, the Fraud Loss Amount for such Loan Group shall be equal to the lesser of (i) the Initial Fraud Loss Amount for such Loan Group reduced by the amount of Fraud Losses on the Mortgage Loans in such Loan Group allocated to the Certificates of the Related Group and (ii) for each Distribution Date occurring (a) during the period from the day after the first anniversary through the third anniversary of the Cut-Off Date, 1% of the Pool Stated Principal Balance for such Loan Group, (b) during the period from the day after the third anniversary through the fifth anniversary of the Cut-Off Date, 0.5% of the Pool Stated Principal Balance for such Loan Group, and (c) after the fifth anniversary of the Cut-Off Date, zero. Group: Either of Group 1 or Group 2. Group 1: The Group 1-A Certificates and Group 1-B Certificates. Group 1 Discount Mortgage Loan: A Group 1 Mortgage Loan with a Net Mortgage Interest Rate that is less than 6.500% per annum. Group 1 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-1 hereto. The Group 1 Premium Mortgage Loan: A Group 1 Mortgage Loan with a Net Mortgage Interest Rate that is equal to or greater than 6.500% per annum. Group 2: The Group 2-A Certificates and the Group 2-B Certificates. Group 2 Discount Mortgage Loan: A Group 2 Mortgage Loan with a Net Mortgage Interest Rate that is less than 6.250% per annum. Group 2 Mortgage Loan: Each Mortgage Loan listed on Exhibit D-2 hereto. The Group 2 Premium Mortgage Loan: A Group 2 Mortgage Loan with a Net Mortgage Interest Rate that is equal to or greater than 6.250% per annum. Group 1-A Certificates: Class 1-A-1, Class 1-A-2, Class 1-A-3, Class 1-A-4, Class 1-A-5, Class 1-A-6, Class 1-A-7, Class 1-A-8, Class 1-A-9, Class 1-A-10, Class 1-A-11, Class 1-A-12, Class 1-A-13, Class 1-A-14, Class 1-A-15, Class 1-A-16, Class 1-A-17, Class 1-A-18, Class 1-A-19, Class 1-A-20, Class 1-A-21, Class 1-A-22, Class 1-A-23, Class 1-A-24, Class 1-A-25, Class 1-A-26, Class 1-A-27, Class 1-A-28, Class 1-A-29, Class 1-A-30, Class 1-A-31, Class 1-A-32, Class 1-A-33, Class 1-A-PO and Class 1-A-R Certificates. Group 2-A Certificates: Class 2-A-1, Class 2-A-2, Class 2-A-PO and Class 2-A-R Certificates. Group 1-B Certificates: Any of the Class 1-B-1, Class 1-B-2, Class 1-B-3, Class 1-B-4, Class 1-B-5 or Class 1-B-6 Certificates. Group 2-B Certificates: Any of the Class 2-B-1, Class 2-B-2, Class 2-B-3, Class 2-B-4, Class 2-B-5 or Class 2-B-6 Certificates. Holder: A Certificateholder. Independent: When used with respect to any specified Person means such a Person who (i) is in fact independent of the Depositor and the Servicer, (ii) does not have any direct financial interest or any material indirect financial interest in the Depositor or the Servicer or in an affiliate of either of them, and (iii) is not connected with the Depositor or the Servicer as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Indirect Depository Participant: A broker, dealer, bank or other financial institution or other Person maintaining a custodial relationship with a Depository Participant. Initial Bankruptcy Loss Amount: $148,461.45 for Loan Group 1 and $100,000, for Loan Group 2. Initial Class Certificate Balance: As to each Class of Certificates, the Class Certificate Balance set forth in the Preliminary Statement. Initial Fraud Loss Amount: $5,013,405.31 for Loan Group 1 and $1,254,715.52, for Loan Group 2. Initial Special Hazard Amount: $5,013,405.31 for Loan Group 1 and $2,301,548.89, for Loan Group 2. Insurance Policy: With respect to any Mortgage Loan included in the Trust Estate, any related insurance policy, including all riders and endorsements thereto in effect, including any replacement policy or policies for any Insurance Policies. Insurance Proceeds: Proceeds paid by an insurer pursuant to any Insurance Policy, in each case other than any amount included in such Insurance Proceeds in respect of Insured Expenses. Insured Expenses: Expenses covered by an Insurance Policy or any other insurance policy with respect to the Mortgage Loans. Interest Accrual Period: As to any Distribution Date and each Class of Certificates (other than the Class A-PO Certificates), the period from and including the first day of the calendar month preceding the calendar month of such Distribution Date to but not including the first day of the calendar month of such Distribution Date. Interest Distribution Amount: For any Distribution Date and each interest-bearing Class, the sum of (i) the Accrued Certificate Interest, subject to reduction pursuant to Section 5.02(c) and (ii) any Class Unpaid Interest Shortfall for such Class. Interest Settlement Rate: As defined in Section 5.10. LIBOR: As to any Distribution Date, the arithmetic mean of the London Interbank offered rate quotations for one-month U.S. Dollar deposits, as determined by the Trustee in accordance with Section 5.10. LIBOR Business Day: Any Business Day on which banks are open for dealing in foreign currency and exchange in London, England, the City of New York and the State where the Corporate Trust Office is located. LIBOR Certificates: Any of the Class 1-A-22, Class 1-A-23 and Class 1-A-24 Certificates. Liquidated Mortgage Loan: With respect to any Distribution Date, a defaulted Mortgage Loan (including any REO Property) that was liquidated in the calendar month preceding the month of such Distribution Date and as to which the Servicer has certified (in accordance with this Agreement) that it has received all proceeds it expects to receive in connection with the liquidation of such Mortgage Loan including the final disposition of an REO Property. Liquidation Proceeds: Amounts, including Insurance Proceeds, received in connection with the partial or complete liquidation of defaulted Mortgage Loans, whether through trustee's sale, foreclosure sale or otherwise or amounts received in connection with any condemnation or partial release of a Mortgaged Property and any other proceeds received in connection with an REO Property, less the sum of related unreimbursed Servicing Fees and Advances. Living Holder: A Certificate Owner of a Special Retail Certificate other than a Deceased Holder. Loan Group: Either of Loan Group 1 or Loan Group 2. Loan Group 1: The Group 1 Mortgage Loans. Loan Group 2: The Group 2 Mortgage Loans. Loan-to-Value Ratio: With respect to any Mortgage Loan and any date of determination, the fraction, expressed as a percentage, the numerator of which is the outstanding principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. MERS: As defined in Section 2.01(b)(iii). Monthly Payment: The scheduled monthly payment on a Mortgage Loan due on any Due Date allocable to principal and/or interest on such Mortgage Loan which, unless otherwise specified herein, shall give effect to any related Debt Service Reduction and any Deficient Valuation that affects the amount of the monthly payment due on such Mortgage Loan. Mortgage: The mortgage, deed of trust or other instrument creating a first lien on a Mortgaged Property securing a Mortgage Note or creating a first lien on a leasehold interest. Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement. Mortgage Interest Rate: As to any Mortgage Loan, the per annum rate of interest at which interest accrues on the principal balance of such Mortgage Loan in accordance with the terms of the related Mortgage Note. Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase Agreement, dated May 24, 2001, between the Bank of America, N.A., as seller, and the Depositor, as purchaser. Mortgage Loan Schedule: The list of Mortgage Loans (as from time to time amended by the Servicer to reflect the addition of Substitute Mortgage Loans and the deletion of Defective Mortgage Loans pursuant to the provisions of this Agreement) transferred to the Trustee as part of the Trust Estate and from time to time subject to this Agreement, attached hereto as Exhibit D-1 and Exhibit D-2, setting forth the following information with respect to each Mortgage Loan: (i) the Mortgage Loan identifying number; (ii) a code indicating whether the Mortgaged Property is owner-occupied; (iii) the property type for each Mortgaged Property; (iv) the original months to maturity or the remaining months to maturity from the Cut-Off Date; (v) the Loan-to-Value Ratio at origination; (vi) the Mortgage Interest Rate; (vii) the date on which the first Monthly Payment was due on the Mortgage Loan, and, if such date is not the Due Date currently in effect, such Due Date; (viii) the stated maturity date; (ix) the amount of the Monthly Payment as of the Cut-Off Date; (x) the paid-through date; (xi) the original principal amount of the Mortgage Loan; (xii) the principal balance of the Mortgage Loan as of the close of business on the Cut-Off Date, after application of payments of principal due on or before the Cut-Off Date, whether or not collected, and after deduction of any payments collected of scheduled principal due after the Cut-Off Date; (xiii) a code indicating the purpose of the Mortgage Loan; (xiv) a code indicating the documentation style; and (xv) the Appraised Value. With respect to the Mortgage Loans in the aggregate, the Mortgage Loan Schedule shall set forth the following information, as of the Cut-Off Date: (i) the number of Mortgage Loans; (ii) the current aggregate outstanding principal balance of the Mortgage Loans; (iii) the weighted average Mortgage Rate of the Mortgage Loans; and (iv) the weighted average months to maturity of the Mortgage Loans. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held as a part of the Trust Estate (including any Substitute Mortgage Loans and REO Property), the Mortgage Loans originally so held being identified in the Mortgage Loan Schedule. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with all riders thereto and amendments thereof. Mortgaged Property: The underlying property securing a Mortgage Loan, which may include Co-op Shares or residential long-term leases. Mortgagor: The obligor on a Mortgage Note. Net Mortgage Interest Rate: As to any Mortgage Loan and Distribution Date, such Mortgage Loan's Mortgage Interest Rate thereon on the first day of the month preceding the month of the related Distribution Date reduced by the Servicing Fee Rate and the Trustee Fee Rate. Non-PO Percentage: As to any Discount Mortgage Loan, a fraction (expressed as a percentage), the numerator of which is the Net Mortgage Interest Rate of such Discount Mortgage Loan and the denominator of which is 6.500% for each Group 1 Discount Mortgage Loan and 6.250% for each Group 2 Discount Mortgage Loan. As to any Mortgage Loan that is not a Discount Mortgage Loan, 100%. Non-PO Principal Amount: As to any Distribution Date and Loan Group, the sum of the applicable Non-PO Percentage of (a) the principal portion of each Monthly Payment (without giving effect, prior to the reduction of the Bankruptcy Loss Amount to zero, to any reductions thereof caused by any Debt Service Reductions) due on each Mortgage Loan in such Loan Group on the related Due Date, (b) the Stated Principal Balance, as of the date of repurchase, of each Mortgage Loan in such Loan Group that was repurchased by the Depositor pursuant to this Agreement as of such Distribution Date, (c) any Substitution Adjustment Amount in connection with a Defective Mortgage Loan in such Loan Group received with respect to such Distribution Date, (d) any Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans in such Loan Group that are not yet Liquidated Mortgage Loans received during the calendar month preceding the month of such Distribution Date, (e) with respect to each Mortgage Loan in such Loan Group that became a Liquidated Mortgage Loan during the calendar month preceding the month of such Distribution Date, the amount of Liquidation Proceeds allocable to principal received with respect to such Mortgage Loan during the calendar month preceding the month of such Distribution Date and (f) all Principal Prepayments on the Mortgage Loans in such Loan Group received during the calendar month preceding the month of such Distribution Date. Non-Supported Interest Shortfalls: As to any Distribution Date and Loan Group, the amount, if any, by which the aggregate of Prepayment Interest Shortfalls for such Loan Group exceeds Compensating Interest for such Loan Group for such Distribution Date. Non-U.S. Person: A Person other than a U.S. Person. Nonrecoverable Advance: Any portion of an Advance previously made or proposed to be made in respect of a Mortgage Loan which has not been previously reimbursed and which, in the good faith judgment of the Servicer, will not or, in the case of a proposed Advance, would not be ultimately recoverable from the related Mortgagor, related Liquidation Proceeds, or other recoveries in respect of the related Mortgage Loan. Offered Certificates: The Class A, Class 1-B-1, Class 1-B-2, Class 1-B-3, Class 2-B-1, Class 2-B-2 and Class 2-B-3 Certificates. Officer's Certificate: A certificate signed by the Chairman of the Board, Vice Chairman of the Board, President or a Vice President and by the Treasurer, the Secretary or one of the Assistant Treasurers or Assistant Secretaries, or any other duly authorized officer of the Depositor or the Servicer, as the case may be, and delivered to the Trustee. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee, who may be counsel for the Depositor or the Servicer, except that any opinion of counsel relating to the qualification of the Trust Estate as two separate REMICs or compliance with the REMIC Provisions must be an opinion of Independent counsel. Original Fractional Interest: With respect to each of the following Classes of Subordinate Certificates, the corresponding percentage described below, as of the Closing Date: Class 1-B-1 1.85% Class 1-B-2 1.10% Class 1-B-3 0.64% Class 1-B-4 0.40% Class 1-B-5 0.20% Class 1-B-6 0.00% Class 2-B-1 1.15% Class 2-B-2 0.80% Class 2-B-3 0.45% Class 2-B-4 0.20% Class 2-B-5 0.15% Class 2-B-6 0.00% Original Subordinate Certificate Balance: $17,550,943.77 for Group 1 and $2,199,077.51 for Group 2. OTS: The Office of Thrift Supervision. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan which was not the subject of a Principal Prepayment in Full prior to such Due Date, which did not become a Liquidated Mortgage Loan prior to such Due Date and which was not purchased from the Trust prior to such Due Date pursuant to Sections 2.02 or 2.04. Ownership Interest: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee. PAC Group: The Class 1-A-29 and Class 1-A-30 Certificates, collectively. PAC Principal Amount: As to any Distribution Date and for the PAC Group, the amount, if any, that would reduce the balance of the PAC Group to the balance shown in the table set forth in Exhibit M with respect to such Distribution Date. Pass-Through Rate: As to each Class of interest-bearing Certificates, the per annum rate set forth or described in the Preliminary Statement. Paying Agent: As defined in Section 9.13. Percentage Interest: As to any Certificate (other than a Class 1-A-17, Class 1-A-18, Class 1-A-20, Class 1-A-21, Class 1-A-26 or Class 1-A-28 Certificate), the percentage obtained by dividing the initial Certificate Balance of such Certificate by the Initial Class Certificate Balance of the Class of which such Certificate is a part. With respect to a Class 1-A-17, Class 1-A-18, Class 1-A-20, Class 1-A-21, Class 1-A-26 or Class 1-A-28 Certificate, the percentage obtained by dividing the current Certificate Balance of each such Certificate by the current Class Certificate Balance of the Class of which said Certificate is a part. Periodic Advance: The payment required to be made by the Servicer with respect to any Distribution Date pursuant to Section 3.20, the amount of any such payment being equal to the aggregate of Monthly Payments (net of the Servicing Fee) on the Mortgage Loans (including any REO Property) that were due on the related Due Date and not received as of the close of business on the related Determination Date, less the aggregate amount of any such delinquent payments that the Servicer has determined would constitute a Nonrecoverable Advance if advanced. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States, FHLMC, FNMA or any agency or instrumentality of the United States when such obligations are backed by the full faith and credit of the United States; provided that such obligations of FHLMC or FNMA shall be limited to senior debt obligations and mortgage participation certificates other than investments in mortgage-backed or mortgage participation securities with yields evidencing extreme sensitivity to the rate of principal payments on the underlying mortgages, which shall not constitute Permitted Investments hereunder; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof with a corporation incorporated under the laws of the United States or any state thereof rated not lower than "A-1" by S&P and "F-1" by Fitch; (iii) federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof, rated not lower than "A-1" by S&P and "F-1" by Fitch; (iv) commercial paper (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which is rated not lower than "A-1" by S&P and "F-1" by Fitch; (v) investments in money market funds (including funds of the Trustee or its affiliates, or funds for which an affiliate of the Trustee acts as advisor, as well as funds for which the Trustee and its affiliates may receive compensation) rated either "AAAm" or "AAAmG" by S&P, and "AAA" by Fitch or otherwise approved in writing by each Rating Agency; and (vi) other obligations or securities that are acceptable to each Rating Agency and, as evidenced by an Opinion of Counsel obtained by the Servicer, will not affect the qualification of either REMIC as a REMIC; provided, however, that no instrument shall be a Permitted Investment if it represents either (a) the right to receive only interest payments with respect to the underlying debt instrument or (b) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. Permitted Transferee: Any Person other than (i) the United States, or any State or any political subdivision thereof, or any agency or instrumentality of any of the foregoing, (ii) a foreign government, international organization or any agency or instrumentality of either of the foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income) (except certain farmers' cooperatives described in Code Section 521), (iv) rural electric and telephone cooperatives described in Code Section 1381(a)(2)(C) and (v) any other Person so designated by the Servicer based on an Opinion of Counsel to the effect that any transfer to such Person may cause the Trust or any other Holder of a Residual Certificate to incur tax liability that would not be imposed other than on account of such transfer. The terms "United States," "State" and "international organization" shall have the meanings set forth in Code Section 7701 or successor provisions. Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Physical Certificates: The Class 1-A-R, Class 2-A-R, Class 1-B-4, Class 1-B-5, Class 1-B-6, Class 2-B-4, Class 2-B-5 and Class 2-B-6 Certificates. Plan: As defined in Section 6.02(e). PO Percentage: As to any Discount Mortgage Loan, 100% minus the Non-PO Percentage for such Mortgage Loan. As to any Mortgage Loan that is not a Discount Mortgage Loan, 0%. PO Principal Amount: As to any Distribution Date and Loan Group, the sum of the applicable PO Percentage of (a) the principal portion of each Monthly Payment (without giving effect, prior to the reduction of the Bankruptcy Loss Amount to zero, to any reductions thereof caused by any Debt Service Reductions) due on each Mortgage Loan in such Loan Group on the related Due Date, (b) the Stated Principal Balance, as of the date of repurchase, of each Mortgage Loan in such Loan Group that was repurchased by the Depositor pursuant to this Agreement as of such Distribution Date, (c) any Substitution Adjustment Amount in connection with any Defective Mortgage Loan in such Loan Group received with respect to such Distribution Date, (d) any Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans in such Loan Group that are not yet Liquidated Mortgage Loans received during the calendar month preceding the month of such Distribution Date, (e) with respect to each Mortgage Loan in such Loan Group that became a Liquidated Mortgage Loan during the calendar month preceding the month of such Distribution Date, the amount of Liquidation Proceeds allocable to principal received with respect to such Mortgage Loan during the calendar month preceding the month of such Distribution Date with respect to such Mortgage Loan and (f) all Principal Prepayments received on the Mortgage Loans in such Loan Group received during the calendar month preceding the month of such Distribution Date. Pool Distribution Amount: As to any Distribution Date and Loan Group, the excess of (a) the sum of (i) the aggregate of (A) the interest portion of any Monthly Payment on a Mortgage Loan in such Loan Group (net of the Servicing Fee) and the principal portion of any Monthly Payment on a Mortgage Loan in such Loan Group due on the Due Date in the month in which such Distribution Date occurs and which is received prior to the related Determination Date and (B) all Periodic Advances and payments of Compensating Interest made by the Servicer in respect of such Loan Group and Distribution Date deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(vii); (ii) all Liquidation Proceeds received on the Mortgage Loans in such Loan Group during the preceding calendar month and deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(iii); (iii) all Principal Prepayments received on the Mortgage Loans in such Loan Group during the month preceding the month of such Distribution Date and deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(i) during such period; (iv) in connection with Defective Mortgage Loans in such Loan Group, as applicable, the aggregate of the Repurchase Prices and Substitution Adjustment Amounts deposited on the related Remittance Date pursuant to Section 3.08(b)(vi); and (v) any other amounts in the Servicer Custodial Account deposited therein pursuant to Sections 3.08(b)(iv), (v) and (viii) in respect of such Distribution Date and such Loan Group; over (b) any (i) amounts permitted to be withdrawn from the Servicer Custodial Account pursuant to clauses (i) through (vii), inclusive, of Section 3.11(a) in respect of such Loan Group and (ii) amounts permitted to be withdrawn from the related Certificate Account pursuant to clauses (i) and (ii) of Section 3.11(b) in respect of such Loan Group. Pool Stated Principal Balance: As to any Distribution Date and Loan Group, the aggregate Stated Principal Balances of all Mortgage Loans in such Loan Group that were Outstanding Mortgage Loans immediately following the Due Date in the month of such Distribution Date. Premium Mortgage Loan: Any Group 1 Premium Mortgage Loan or Group 2 Premium Mortgage Loan. Prepayment Interest Shortfall: As to any Distribution Date and each Mortgage Loan subject to a Principal Prepayment received during the calendar month preceding such Distribution Date, the amount, if any, by which one month's interest at the related Mortgage Interest Rate (net of the Servicing Fee) on such Principal Prepayment exceeds the amount of interest paid in connection with such Principal Prepayment. Primary Insurance Policy: Each policy of primary mortgage guaranty insurance or any replacement policy therefor with respect to any Mortgage Loan, in each case issued by an insurer acceptable to FNMA or FHLMC. Principal-Only Certificates: Any Class of Certificates entitled to distributions of principal, but to no distributions of interest. The Class 1-A-11, Class 1-A-31, 1-A-PO and Class 2-A-PO Certificates are the only Classes of Principal-Only Certificates. Principal Prepayment: Any payment or other recovery of principal on a Mortgage Loan (other than Liquidation Proceeds) which is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment of the entire principal balance of a Mortgage Loan. Priority Amount: As to any Distribution Date, the lesser of (i) the Class Certificate Balance of the Class 1-A-5 Certificates and (ii) the product of (a) the Shift Percentage, (b) the Priority Percentage and (c) the Non-PO Principal Amount for Group 1. Priority Percentage: As to any Distribution Date, the percentage equivalent (carried to six places rounded up) of a fraction the numerator of which is the Class Certificate Balance of the Class 1-A-5 Certificates immediately prior to such date and the denominator of which is the aggregate of the Class Certificate Balances of all Classes of Certificates (other than the Class 1-A-PO Certificates) of Group 1 immediately prior to such date. Private Certificates: The Class 1-B-4, Class 1-B-5, Class 1-B-6, Class 2-B-4, Class 2-B-5 and Class 2-B-6 Certificates. Pro Rata Share: As to any Distribution Date and any Class of Subordinate Certificates of a Group that is not a Restricted Class, the portion of the Subordinate Principal Distribution Amount for such Group allocable to such Class, equal to the product of the Subordinate Principal Distribution Amount for such Group for such Distribution Date and a fraction, the numerator of which is the related Class Certificate Balance thereof and the denominator of which is the aggregate Class Certificate Balance of the Subordinate Certificates of such Group that are not Restricted Classes. The Pro Rata Share of a Restricted Class shall be 0%. Qualified Appraiser: An appraiser of a Mortgaged Property duly appointed by the originator of the related Mortgage Loan, who had no interest, direct or indirect, in such Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the related Mortgage Loan and who met the minimum qualifications of FNMA or FHLMC. Rating Agency: Each of Fitch and S&P. If either such organization or a successor is no longer in existence, "Rating Agency" shall be such nationally recognized statistical rating organization, or other comparable Person, as is designated by the Depositor, notice of which designation shall be given to the Trustee. References herein to a given rating or rating category of a Rating Agency shall mean such rating category without giving effect to any modifiers. Rate Determination Date: As to any Distribution Date and any Class of LIBOR Certificates, the second LIBOR Business Day prior to the beginning of the applicable Interest Accrual Period for such Class and such Distribution Date. Realized Loss: With respect to each Liquidated Mortgage Loan, an amount as of the date of such liquidation, equal to (i) the unpaid principal balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus (ii) interest at the Net Mortgage Interest Rate from the Due Date as to which interest was last paid or advanced (and not reimbursed) to Certificateholders up to the Due Date in the month in which Liquidation Proceeds are required to be distributed on the Stated Principal Balance of such Liquidated Mortgage Loan from time to time, minus (iii) the Liquidation Proceeds, if any, received during the month in which such liquidation occurred, to the extent applied as recoveries of interest at the Net Mortgage Interest Rate and to principal of the Liquidated Mortgage Loan. With respect to each Mortgage Loan that has become the subject of a Deficient Valuation, if the principal amount due under the related Mortgage Note has been reduced, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation. With respect to each Mortgage Loan that has become the subject of a Debt Service Reduction and any Distribution Date, the amount, if any, by which the principal portion of the related Monthly Payment has been reduced. Record Date: The last day of the month (or, if such day is not a Business Day, the preceding Business Day) preceding the month of the related Distribution Date. Refinance Mortgage Loan: Any Mortgage Loan the proceeds of which were not used to purchase the related Mortgaged Property. Regular Certificates: As defined in the Preliminary Statement hereto. Related Group: For Loan Group 1, Group 1 and for Loan Group 2, Group 2. Related Loan Group: For Group 1, Loan Group 1 and for Group 2, Loan Group 2. Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended. Relief Act Reduction: With respect to any Distribution Date, for any Mortgage Loan as to which there has been a reduction in the amount of interest collectible thereon for the most recently ended calendar month as a result of the application of the Relief Act, the amount, if any, by which (i) interest collectible on such Mortgage Loan for the most recently ended calendar month is less than (ii) interest accrued pursuant to the terms of the Mortgage Note on the same principal amount and for the same period as the interest collectible on such Mortgage Loan for the most recently ended calendar month. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Certificate Maturity Date: The "latest possible maturity date" of the Regular Certificates of a Group as that term is defined in Section 2.07. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Section 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and regulations promulgated thereunder, as the foregoing may be in effect from time to time, as well as provisions of applicable state laws. Remittance Date: As to any Distribution Date, by 2:00 p.m. Eastern time on the Business Day immediately preceding such Distribution Date. REO Disposition Period: As defined in Section 3.14. REO Proceeds: Proceeds, net of any related expenses of the Servicer, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property) which are received prior to the final liquidation of such Mortgaged Property. REO Property: A Mortgaged Property acquired by the Servicer on behalf of the Trust through foreclosure or deed-in-lieu of foreclosure in connection with a defaulted Mortgage Loan. Repurchase Price: As to any Defective Mortgage Loan repurchased on any date pursuant to Sections 2.02 or 2.04, an amount equal to the sum of (i) the unpaid principal balance thereof and (ii) the unpaid accrued interest thereon at the applicable Mortgage Interest Rate from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Mortgage Loan became eligible to be repurchased. Request for Release: The Request for Release submitted by the Servicer to the Trustee or the Custodian on behalf of the Trustee, substantially in the form of Exhibit E. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement in respect of such Mortgage Loan. Reserve Interest Rate: As defined in Section 5.10. Residual Certificates: The Class 1-A-R or Class 2-A-R Certificate. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers and having responsibility for the administration of this Agreement. Restricted Classes: As defined in Section 5.02(d). Rounding Account: As defined in Section 3.23. Rounding Amount: As defined in Section 3.23. S&P: Standard & Poor's, a division of The McGraw-Hill Companies, Inc., or any successor thereto. Seller: Bank of America, N.A., a national banking association, or its successor in interest, as seller of the Mortgage Loans under the Mortgage Loan Purchase Agreement. Senior Certificates: The Class A Certificates. Senior Credit Support Depletion Date: As to each Group, the date on which the aggregate Class Certificate Balance of the Subordinate Certificates of such Group is reduced to zero. Senior Percentage: With respect to any Distribution Date and Group, the percentage, carried six places rounded up, obtained by dividing the aggregate Class Certificate Balance of the Senior Certificates (other than the Class A-PO Certificates) of such Group immediately prior to such Distribution Date by the aggregate Class Certificate Balance of all Classes of Certificates (other than the Class A-PO Certificates) of such Group immediately prior to such Distribution Date. Senior Prepayment Percentage: For any Distribution Date and Group during the five years beginning on the first Distribution Date, 100%. The Senior Prepayment Percentage for any Group for any Distribution Date occurring on or after the fifth anniversary of the first Distribution Date will, except as provided herein, be as follows: for any Distribution Date in the first year thereafter, the Senior Percentage for such Group plus 70% of the Subordinate Percentage for such Group for such Distribution Date; for any Distribution Date in the second year thereafter, the Senior Percentage for such Group plus 60% of the Subordinate Percentage for such Group for such Distribution Date; for any Distribution Date in the third year thereafter, the Senior Percentage for such Group plus 40% of the Subordinate Percentage for such Group for such Distribution Date; for any Distribution Date in the fourth year thereafter, the Senior Percentage for such Group plus 20% of the Subordinate Percentage for such Group for such Distribution Date; and for any Distribution Date in the fifth or later years thereafter, the Senior Percentage for such Group for such Distribution Date (unless on any of the foregoing Distribution Dates the Senior Percentage for such Group exceeds the initial Senior Percentage for such Group, in which case the Senior Prepayment Percentage for such Group for such Distribution Date will once again equal 100%). Notwithstanding the foregoing, no decrease in the Senior Prepayment Percentage for such Group will occur unless both of the Senior Step Down Conditions are satisfied. Senior Principal Distribution Amount: As to any Distribution Date and Group, the sum of (i) the Senior Percentage of the applicable Non-PO Percentage for such Group of all amounts described in clauses (a) through (d) of the definition of "Non-PO Principal Amount" for such Distribution Date and Related Loan Group and (ii) the Senior Prepayment Percentage of the applicable Non-PO Percentage for such Group of the amounts described in clauses (e) and (f) of the definition of "Non-PO Principal Amount" for such Distribution Date and Related Loan Group; provided, however, that if a Debt Service Reduction that is an Excess Loss is sustained with respect to a Mortgage Loan in the Related Loan Group that is not a Liquidated Mortgage Loan, the Senior Principal Distribution Amount for such Group will be reduced on the related Distribution Date by the Senior Percentage of the Non-PO Percentage for such Group of the principal portion of such Debt Service Reduction. Senior Step Down Conditions: As of any Distribution Date and Group as to which any decrease in the Senior Prepayment Percentage for such Group applies, (i) the outstanding principal balance of all Mortgage Loans in the Related Loan Group (including, for this purpose, any Mortgage Loans in foreclosure or any REO Property) delinquent 60 days or more (averaged over the preceding six month period), as a percentage of the aggregate Class Certificate Balance of the Subordinate Certificates of such Group (averaged over the preceding six-month period), is not equal to or greater than 50% or (ii) cumulative Realized Losses with respect to the Mortgage Loans in the Related Loan Group as of the applicable Distribution Date do not exceed the percentages of the Original Subordinate Certificate Balance for such Group set forth below: Percentage of Original Subordinate Distribution Date Occurring Certificate Balance --------------------------- ------------------- June 2006 through May 2007 30% June 2007 through May 2008 35% June 2008 through May 2009 40% June 2009 through May 2010 45% June 2010 and thereafter 50% Servicer: Bank of America, N.A., a national banking association, or its successor in interest, in its capacity as servicer of the Mortgage Loans, or any successor servicer appointed as herein provided. Servicer Advance Date: As to any Distribution Date, 11:30 a.m., Eastern time, on the Business Day immediately preceding such Distribution Date. Servicer Custodial Account: The separate Eligible Account or Accounts created and maintained by the Servicer pursuant to Section 3.08(b). Servicer's Certificate: The monthly report required by Section 4.01. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in the performance by the Servicer of its servicing obligations, including, but not limited to (i) the preservation, restoration and protection of a Mortgaged Property, (ii) expenses reimbursable to the Servicer pursuant to Section 3.14 and any enforcement or judicial proceedings, including foreclosures, (iii) the management and liquidation of any REO Property and (iv) compliance with the obligations under Section 3.12. Servicing Fee: With respect to each Mortgage Loan and Distribution Date, the amount of the fee payable to the Servicer, which shall, for such Distribution Date, be equal to one-twelfth of the product of the Servicing Fee Rate with respect to such Mortgage Loan and the Stated Principal Balance of such Mortgage Loan, subject to reduction as provided in Section 3.17. Such fee shall be payable monthly, computed on the basis of the same Stated Principal Balance and period respecting which any related interest payment on a Mortgage Loan is computed. The Servicer's right to receive the Servicing Fee is limited to, and payable solely from, the interest portion (including recoveries with respect to interest from Liquidation Proceeds and other proceeds, to the extent permitted by Section 3.11) of related Monthly Payments collected by the Servicer, or as otherwise provided under Section 3.11. Servicing Fee Rate: With respect to each Mortgage Loan in the Related Loan Group, the per annum rate equal to (i) the related Mortgage Interest Rate less (ii) the sum of 6.500% for Group 1 and 6.250% for Group 2 and the Trustee Fee Rate; provided, however, that the Servicing Fee Rate shall not be less than 0.25% per annum with respect to any Mortgage Loan. Servicing File: The items pertaining to a particular Mortgage Loan referred to in Exhibit J hereto, and any additional documents required to be added to the Servicing File pursuant to the Agreement. Servicing Officer: Any officer of the Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name appears on a list of servicing officers furnished to the Trustee by the Servicer, as such list may from time to time be amended. Shift Percentage: As to any Distribution Date, the percentage indicated below: Distribution Date Occurring In Shift Percentage ------------------------------ ---------------- June 2001 through May 2006 0% June 2006 through May 2007 30% June 2007 through May 2008 40% June 2008 through May 2009 60% June 2009 through May 2010 80% June 2010 and thereafter 100% Similar Law: As defined in Section 6.02(e). Special Hazard Loss: As to a Mortgaged Property, any Realized Loss on account of direct physical loss, exclusive of (i) any loss covered by a hazard policy or a flood insurance policy maintained in respect of such Mortgaged Property pursuant to Section 3.12 and (ii) any loss caused by or resulting from: (a) (i) wear and tear, deterioration, rust or corrosion, mold, wet or dry rot; inherent vice or latent defect; animals, birds, vermin or insects; or (ii) settling, subsidence, cracking, shrinkage, building or expansion of pavements, foundations, walls, floors, roofs or ceilings; (b) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then only for the ensuing loss; (c) nuclear or chemical reaction or nuclear radiation or radioactive or chemical contamination, all whether controlled or uncontrolled, and whether such loss is direct or indirect, proximate or remote; or (d) (i) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack (A) by any government or sovereign power (de jure or de facto), or by any authority maintaining or using military, naval or air forces; or (B) by military, naval or air forces; or (C) by an agent of any such government, power, authority or forces; (ii) any weapon of war or facility for producing same employing atomic fission, radioactive force or chemical or biological contaminants, whether in time of peace or war; or (iii) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority, or risks of contraband or illegal transportation or trade. Special Hazard Loss Amount: As to any Distribution Date and Loan Group, the lesser of (a) the greatest of (i) 1% of the Pool Stated Principal Balance of the Mortgage Loans in such Loan Group, (ii) twice the principal balance of the largest Mortgage Loan in such Loan Group, and (iii) the aggregate principal balance of all Mortgage Loans in such Loan Group secured by Mortgaged Properties located in the single California five-digit postal zip code having the highest aggregate principal balance of any zip code area (all principal balances to be calculated as of the first day of the month preceding such Distribution Date after giving effect to Monthly Payments then due, whether or not paid) and (b) the Initial Special Hazard Loss Amount for such Loan Group, reduced (but not below zero) by the amount of Realized Losses in respect of Special Hazard Mortgage Loans previously incurred during the period from the Cut-Off Date through the last day of the month preceding the month of such Distribution Date. Either Special Hazard Loss Amount may be further reduced from time to time below the amounts specified above with the written consent of the Rating Agencies and without resulting in a downgrading to the then-current rating of the Certificates. Special Hazard Mortgage Loan: Any Liquidated Mortgage Loan as to which the ability to recover thereon was substantially impaired by reason of a hazard or loss not covered by a hazard policy or flood insurance policy maintained in respect of such Mortgaged Property pursuant to Section 3.12. Special Retail Certificates: The Class 1-A-17, Class 1-A-18, Class 1-A-20 and Class 1-A-21, Class 1-A-26 and Class 1-A-28 Certificates. Stated Principal Balance: As to any Mortgage Loan and date, the unpaid principal balance of such Mortgage Loan as of the Due Date immediately preceding such date as specified in the amortization schedule at the time relating thereto (before any adjustment to such amortization schedule by reason of any moratorium or similar waiver or grace period) after giving effect to any previous partial Principal Prepayments and Liquidation Proceeds allocable to principal (other than with respect to any Liquidated Mortgage Loan) and to the payment of principal due on such Due Date and irrespective of any delinquency in payment by the related Mortgagor, and after giving effect to any Deficient Valuation. Subordinate Certificates: The Class B Certificates. Subordinate Percentage: As of any Distribution Date and Group, 100% minus the Senior Percentage for such Group for such Distribution Date. Subordinate Prepayment Percentage: As to any Distribution Date and Group, 100% minus the Senior Prepayment Percentage for such Group for such Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and Group, an amount equal to the sum of (i) the Subordinate Percentage for such Group of the applicable Non-PO Percentage of all amounts described in clauses (a) through (d) of the definition of "Non-PO Principal Amount" for such Distribution Date and Related Loan Group and (ii) the Subordinate Prepayment Percentage of the applicable Non-PO Percentage of the amounts described in clauses (e) and (f) of the definition of "Non-PO Principal Amount" for such Distribution Date and Related Loan Group; provided, however, that if a Debt Service Reduction that is an Excess Loss is sustained with respect to a Mortgage Loan in the Related Group that is not a Liquidated Mortgage Loan, the Subordinate Principal Distribution Amount for such Group will be reduced on the related Distribution Date by the Subordinate Percentage for such Group of the applicable Non-PO Percentage of the principal portion of such Debt Service Reduction. Subservicer: Any Person with which the Servicer has entered into a Subservicing Agreement and which satisfies the requirements set forth therein. Subservicing Agreement: Any subservicing agreement (which, in the event the Subservicer is an affiliate of the Servicer, need not be in writing) between the Servicer and any Subservicer relating to servicing and/or administration of certain Mortgage Loans as provided in Section 3.02. Substitute Mortgage Loan: A Mortgage Loan substituted for a Defective Mortgage Loan which must, on the date of such substitution (i) have a Stated Principal Balance, after deduction of the principal portion of the Monthly Payment due in the month of substitution, not in excess of, and not more than 10% less than, the Stated Principal Balance of the Defective Mortgage Loan; (ii) have a Net Mortgage Interest Rate equal to that of the Defective Mortgage Loan; (iii) have a Loan-to-Value Ratio not higher than that of the Defective Mortgage Loan; (iv) have a remaining term to maturity not greater than (and not more than one year less than) that of the Defective Mortgage Loan; and (v) comply with each Mortgage Loan representation and warranty set forth in the Sale Agreement relating to the Defective Mortgage Loan. More than one Substitute Mortgage Loan may be substituted for a Defective Mortgage Loan if such Substitute Mortgage Loans meet the foregoing attributes in the aggregate. Substitution Adjustment Amount: As defined in Section 2.02. Tax Matters Person: Any person designated as "tax matters person" in accordance with Section 5.06 and the manner provided under Treasury Regulation ss. 1.860F-4(d) and Treasury Regulation ss. 301.6231(a)(7)-1. Telerate page 3750: As defined in Section 5.10. Treasury Regulations: The final and temporary regulations promulgated under the Code by the U.S. Department of the Treasury. Trust: The trust created by this Agreement. Trust Estate: The corpus of the Trust created to the extent described herein, consisting of the Mortgage Loans, such assets as shall from time to time be identified as deposited in the Servicer Custodial Account or the Certificate Accounts, in accordance with this Agreement, REO Property, the Primary Insurance Policies and any other Required Insurance Policy and amounts in the Rounding Accounts. Trustee: The Bank of New York, and its successors-in-interest and, if a successor trustee is appointed hereunder, such successor, as trustee. Trustee Fee: As to any Distribution Date and Loan Group, an amount equal to one-twelfth of the Trustee Fee Rate multiplied by the aggregate Stated Principal Balance of the Mortgage Loans in the Related Loan Group immediately following the Due Date in the month preceding the month in which such Distribution Date occurs. Trustee Fee Rate: With respect to each Mortgage Loan, 0.0030% per annum. Underwriting Guidelines: The underwriting guidelines of Bank of America, N.A. U.S. Person: A citizen or resident of the United States, a corporation or partnership (unless, in the case of a partnership, Treasury Regulations are adopted that provide otherwise) created or organized in or under the laws of the United States, any state thereof or the District of Columbia, including an entity treated as a corporation or partnership for federal income tax purposes, an estate whose income is subject to United States federal income tax regardless of its source, or a trust if a court within the United States is able to exercise primary supervision over the administration of such trust, and one or more such U.S. Persons have the authority to control all substantial decisions of such trust (or, to the extent provided in applicable Treasury Regulations, certain trusts in existence on August 20, 1996 which are eligible to elect to be treated as U.S. Persons). Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. As of any date of determination, (a) 1% of all Voting Rights shall be allocated to the Holders of the Residual Certificates and (b) the remaining Voting Rights shall be allocated among Holders of the remaining Classes of Certificates in proportion to the Certificate Balances of their respective Certificates on such date. Section 1.02 Interest Calculations. All calculations of interest will be made on a 360-day year consisting of twelve 30-day months. All dollar amounts calculated hereunder shall be rounded to the nearest penny with one-half of one penny being rounded down. ARTICLE II CONVEYANCE OF MORTGAGE LOANS ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01 Conveyance of Mortgage Loans. (a) The Depositor, concurrently with the execution and delivery hereof, hereby sells, transfers, assigns, sets over and otherwise conveys to the Trustee on behalf of the Trust for the benefit of the Certificateholders, without recourse, all the right, title and interest of the Depositor in and to the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans (other than payments of principal and interest due and payable on the Mortgage Loans on or before the Cut-Off Date). The foregoing sale, transfer, assignment and set over does not and is not intended to result in a creation of an assumption by the Trustee of any obligation of the Depositor or any other Person in connection with the Mortgage Loans or any agreement or instrument relating thereto, except as specifically set forth herein. (b) In connection with such transfer and assignment, the Depositor has delivered or caused to be delivered to the Trustee, for the benefit of the Certificateholders, the following documents or instruments with respect to each Mortgage Loan so assigned: (i) the original Mortgage Note, endorsed by manual or facsimile signature in the following form: "Pay to the order of The Bank of New York, as Trustee, without recourse," with all necessary intervening endorsements showing a complete chain of endorsement from the originator to the Trustee (each such endorsement being sufficient to transfer all right, title and interest of the party so endorsing, as noteholder or assignee thereof, in and to that Mortgage Note); (ii) except as provided below, the original recorded Mortgage with evidence of a recording thereon, or if any such Mortgage has not been returned from the applicable recording office or has been lost, or if such public recording office retains the original recorded Mortgage, a copy of such Mortgage certified by the Depositor as being a true and correct copy of the Mortgage; (iii) subject to the provisos at the end of this paragraph, a duly executed Assignment of Mortgage to "The Bank of New York, as trustee for the holders of the Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-6" (which may be included in a blanket assignment or assignments), together with, except as provided below, originals of all interim recorded assignments of such mortgage or a copy of such interim assignment certified by the Depositor as being a true and complete copy of the original recorded intervening assignments of Mortgage (each such assignment, when duly and validly completed, to be in recordable form and sufficient to effect the assignment of and transfer to the assignee thereof, under the Mortgage to which the assignment relates); provided that, if the related Mortgage has not been returned from the applicable public recording office, such Assignment of Mortgage may exclude the information to be provided by the recording office; and provided, further, if the related Mortgage has been recorded in the name of Mortgage Electronic Registration Systems, Inc. ("MERS") or its designee, no Assignment of Mortgage in favor of the Trustee will be required to be prepared or delivered and instead, the Servicer shall take all actions as are necessary to cause the Trust to be shown as the owner of the related Mortgage Loan on the records of MERS for purposes of the system of recording transfers of beneficial ownership of mortgages maintained by MERS; (iv) the originals of all assumption, modification, consolidation or extension agreements, if any, with evidence of recording thereon, if any; (v) the original or duplicate original mortgagee title insurance policy and all riders thereto; (vi) the original of any guarantee executed in connection with the Mortgage Note; (vii) for each Mortgage Loan, if any, which is secured by a residential long-term lease, a copy of the lease with evidence of recording indicated thereon, or, if the lease is in the process of being recorded, a photocopy of the lease, certified by an officer of the respective prior owner of such Mortgage Loan or by the applicable title insurance company, closing/settlement/escrow agent or company or closing attorney to be a true and correct copy of the lease transmitted for recordation; (viii) the original of any security agreement, chattel mortgage or equivalent document executed in connection with the Mortgage; and (ix) for each Mortgage Loan secured by Co-op Shares, the originals of the following documents or instruments: (A) The stock certificate; (B) The stock power executed in blank; (C) The executed proprietary lease; (D) The executed recognition agreement; (E) The executed assignment of recognition agreement, if any; (F) The executed UCC-1 financing statement with evidence of recording thereon; and (G) Executed UCC-3 financing statements or other appropriate UCC financing statements required by state law, evidencing a complete and unbroken line from the mortgagee to the Trustee with evidence of recording thereon (or in a form suitable for recordation). provided, however, that on the Closing Date, with respect to item (iii), the Depositor has delivered to the Trustee a copy of such Assignment of Mortgage in blank and has caused the Servicer to retain the completed Assignment of Mortgage for recording as described below, unless such Mortgage has been recorded in the name of MERS or its designee. In addition, if the Depositor is unable to deliver or cause the delivery of any original Mortgage Note due to the loss of such original Mortgage Note, the Depositor may deliver a copy of such Mortgage Note, together with a lost note affidavit, and shall thereby be deemed to have satisfied the document delivery requirements of this Section 2.01(b). As set forth on Exhibit L attached hereto is a list of all states where recordation is required by either Rating Agency to obtain the initial ratings of the Certificates. The Trustee may rely and shall be protected in relying upon the information contained in such Exhibit L. If in connection with any Mortgage Loans, the Depositor cannot deliver (A) the Mortgage, (B) all interim recorded assignments, (C) all assumption, modification, consolidation or extension agreements, if any, or (D) the lender's title policy (together with all riders thereto) satisfying the requirements of clause (ii), (iii), (iv) or (v) above, respectively, concurrently with the execution and delivery hereof because such document or documents have not been returned from the applicable public recording office in the case of clause (ii), (iii) or (iv) above, or because the title policy has not been delivered to either the Servicer or the Depositor by the applicable title insurer in the case of clause (v) above, the Depositor shall promptly deliver or cause to be delivered to the Trustee or the Custodian on behalf of the Trustee, in the case of clause (ii), (iii) or (iv) above, such Mortgage, such interim assignment or such assumption, modification, consolidation or extension agreement, as the case may be, with evidence of recording indicated thereon upon receipt thereof from the public recording office, but in no event shall any such delivery of any such documents or instruments be made later than one year following the Closing Date, unless, in the case of clause (ii), (iii) or (iv) above, there has been a continuing delay at the applicable recording office or, in the case of clause (v), there has been a continuing delay at the applicable insurer and the Depositor has delivered the Officer's Certificate to such effect to the Trustee. The Depositor shall forward or cause to be forwarded to the Trustee (1) from time to time additional original documents evidencing an assumption or modification of a Mortgage Loan and (2) any other documents required to be delivered by the Depositor or the Servicer to the Trustee or the Custodian on the Trustee's behalf. In the event that the original Mortgage is not delivered and in connection with the payment in full of the related Mortgage Loan the public recording office requires the presentation of a "lost instruments affidavit and indemnity" or any equivalent document, because only a copy of the Mortgage can be delivered with the instrument of satisfaction or reconveyance, the Servicer shall prepare, execute and deliver or cause to be prepared, executed and delivered, on behalf of the Trust, such a document to the public recording office. As promptly as practicable subsequent to such transfer and assignment, and in any event, within 30 days thereafter, the Servicer shall (except for any Mortgage which has been recorded in the name of MERS or its designee) (I) cause each Assignment of Mortgage to be in proper form for recording in the appropriate public office for real property records within 30 days of the Closing Date and (II) at the Depositor's expense, cause to be delivered for recording in the appropriate public office for real property records the Assignments of the Mortgages to the Trustee, except that, with respect to any Assignment of a Mortgage as to which the Servicer has not received the information required to prepare such assignment in recordable form, the Servicer's obligation to do so and to deliver the same for such recording shall be as soon as practicable after receipt of such information and in any event within 30 days after the receipt thereof and, no recording of an Assignment of Mortgage will be required in a state if either (i) the Depositor furnishes to the Trustee an unqualified Opinion of Counsel reasonably acceptable to the Trustee to the effect that recordation of such assignment is not necessary under applicable state law to preserve the Trustee's interest in the related Mortgage Loan against the claim of any subsequent transferee of such Mortgage Loan or any successor to, or creditor of, the Depositor or the originator of such Mortgage Loan or (ii) the recordation of an Assignment of Mortgage in such state is not required by either Rating Agency in order to obtain the initial ratings on the Certificates on the Closing Date. In the case of Mortgage Loans that have been prepaid in full as of the Closing Date, the Depositor, in lieu of delivering the above documents to the Trustee, or the Custodian on the Trustee's behalf, will cause the Servicer to deposit in the Servicer Custodial Account the portion of such payment that is required to be deposited in the Servicer Custodial Account pursuant to Section 3.08. Section 2.02 Acceptance by the Trustee of the Mortgage Loans. Subject to the provisions of the following paragraph, the Trustee declares that it, or the Custodian as its agent, will hold the documents referred to in Section 2.01 and the other documents delivered to it constituting the Mortgage Files, and that it will hold such other assets as are included in the Trust Estate, in trust for the exclusive use and benefit of all present and future Certificateholders. Within 90 days after the execution and delivery of this Agreement, the Trustee shall review, or cause the Custodian to review, the Mortgage Files in its possession. If, in the course of such review, the Trustee or the Custodian finds any document constituting a part of a Mortgage File which does not meet the requirements of Section 2.01 or is omitted from such Mortgage File, the Trustee shall promptly so notify the Servicer and the Depositor, or shall cause the Custodian to promptly so notify the Servicer and the Depositor. In performing any such review, the Trustee or the Custodian may conclusively rely on the purported genuineness of any such document and any signature thereon. It is understood that the scope of the Trustee's or the Custodian's review of the Mortgage Files is limited solely to confirming that the documents listed in Section 2.01 have been received and further confirming that any and all documents delivered pursuant to Section 2.01 appear on their face to have been executed and relate to the Mortgage Loans identified in the Mortgage Loan Schedule. Neither the Trustee nor the Custodian shall have any responsibility for determining whether any document is valid and binding, whether the text of any assignment or endorsement is in proper or recordable form, whether any document has been recorded in accordance with the requirements of any applicable jurisdiction, or whether a blanket assignment is permitted in any applicable jurisdiction. The Depositor hereby covenants and agrees that it will promptly correct or cure such defect within 90 days from the date it was so notified of such defect and, if the Depositor does not correct or cure such defect within such period, the Depositor will either (a) substitute for the related Mortgage Loan a Substitute Mortgage Loan, which substitution shall be accomplished in the manner and subject to the conditions set forth below or (b) purchase such Mortgage Loan from the Trustee at the Repurchase Price for such Mortgage Loan; provided, however, that in no event shall such a substitution occur more than two years from the Closing Date; provided, further, that such substitution or repurchase shall occur within 90 days of when such defect was discovered if such defect will cause the Mortgage Loan not to be a "qualified mortgage" within the meaning of Section 860G(a)(3) of the Code. With respect to each Substitute Mortgage Loan the Depositor shall deliver to the Trustee, for the benefit of the Certificateholders, the Mortgage Note, the Mortgage, the related Assignment of Mortgage (except for any Mortgage which has been recorded in the name of MERS or its designee), and such other documents and agreements as are otherwise required by Section 2.01, with the Mortgage Note endorsed and the Mortgage assigned as required by Section 2.01. No substitution is permitted to be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to any such Substitute Mortgage Loan in the month of substitution shall not be part of the Trust Estate and will be retained by the Depositor. For the month of substitution, distributions to Certificateholders will include the Monthly Payment due for such month on any Defective Mortgage Loan for which the Depositor has substituted a Substitute Mortgage Loan. The Servicer shall amend the Mortgage Loan Schedule for the benefit of the Certificateholders to reflect the removal of each Mortgage Loan that has become a Defective Mortgage Loan and the substitution of the Substitute Mortgage Loan or Loans and the Servicer shall deliver the amended Mortgage Loan Schedule to the Trustee and the Custodian. Upon such substitution, each Substitute Mortgage Loan shall be subject to the terms of this Agreement in all respects, and the Depositor shall be deemed to have made to the Trustee with respect to such Substitute Mortgage Loan, as of the date of substitution, the representations and warranties made pursuant to Section 2.04. Upon any such substitution and the deposit to the Servicer Custodial Account of any required Substitution Adjustment Amount (as described in the next paragraph) and receipt of a Request for Release, the Trustee shall release, or shall direct the Custodian to release, the Mortgage File relating to such Defective Mortgage Loan to the Depositor and shall execute and deliver at the Depositor's direction such instruments of transfer or assignment prepared by the Depositor, in each case without recourse, as shall be necessary to vest title in the Depositor, or its designee, to the Trustee's interest in any Defective Mortgage Loan substituted for pursuant to this Section 2.02. For any month in which the Depositor substitutes one or more Substitute Mortgage Loans for one or more Defective Mortgage Loans, the amount (if any) by which the aggregate principal balance of all such Substitute Mortgage Loans in a Loan Group as of the date of substitution is less than the aggregate Stated Principal Balance of all such Defective Mortgage Loans in such Loan Group (after application of the principal portion of the Monthly Payments due in the month of substitution) (the "Substitution Adjustment Amount" for such Loan Group) plus an amount equal to the aggregate of any unreimbursed Advances with respect to such Defective Mortgage Loans shall be deposited into the applicable Certificate Account by the Depositor on or before the Remittance Date for the Distribution Date in the month succeeding the calendar month during which the related Mortgage Loan is required to be purchased or replaced hereunder. The Trustee shall retain or shall cause the Custodian to retain possession and custody of each Mortgage File in accordance with and subject to the terms and conditions set forth herein. The Servicer shall promptly deliver to the Trustee, upon the execution or, in the case of documents requiring recording, receipt thereof, the originals of such other documents or instruments constituting the Mortgage File as come into the Servicer's possession from time to time. It is understood and agreed that the obligation of the Depositor to substitute for or to purchase any Mortgage Loan which does not meet the requirements of Section 2.01 shall constitute the sole remedy respecting such defect available to the Trustee and any Certificateholder against the Depositor. The Trustee or the Custodian, on behalf of the Trustee, shall be under no duty or obligation (i) to inspect, review or examine any such documents, instruments, certificates or other papers to determine that they are genuine, enforceable, or appropriate for the represented purpose or that they are other than what they purport to be on their face or (ii) to determine whether any Mortgage File should include any of the documents specified in Section 2.01(b)(iv), (vi), (vii) and (viii). Section 2.03 Representations, Warranties and Covenants of the Servicer. The Servicer hereby makes the following representations and warranties to the Depositor and the Trustee, as of the Closing Date: (i) The Servicer is a national banking association duly organized, validly existing, and in good standing under the federal laws of the United States of America and has all licenses necessary to carry on its business as now being conducted and is licensed, qualified and in good standing in each of the states where a Mortgaged Property is located if the laws of such state require licensing or qualification in order to conduct business of the type conducted by the Servicer. The Servicer has power and authority to execute and deliver this Agreement and to perform in accordance herewith; the execution, delivery and performance of this Agreement (including all instruments of transfer to be delivered pursuant to this Agreement) by the Servicer and the consummation of the transactions contemplated hereby have been duly and validly authorized. This Agreement, assuming due authorization, execution and delivery by the other parties hereto, evidences the valid, binding and enforceable obligation of the Servicer, subject to applicable law except as enforceability may be limited by (A) bankruptcy, insolvency, liquidation, receivership, moratorium, reorganization or other similar laws affecting the enforcement of the rights of creditors and (B) general principles of equity, whether enforcement is sought in a proceeding in equity or at law. All requisite corporate action has been taken by the Servicer to make this Agreement valid and binding upon the Servicer in accordance with its terms. (ii) No consent, approval, authorization or order is required for the transactions contemplated by this Agreement from any court, governmental agency or body, or federal or state regulatory authority having jurisdiction over the Servicer is required or, if required, such consent, approval, authorization or order has been or will, prior to the Closing Date, be obtained. (iii) The consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Servicer and will not result in the breach of any term or provision of the charter or by-laws of the Servicer or result in the breach of any term or provision of, or conflict with or constitute a default under or result in the acceleration of any obligation under, any agreement, indenture or loan or credit agreement or other instrument to which the Servicer or its property is subject, or result in the violation of any law, rule, regulation, order, judgment or decree to which the Servicer or its property is subject. (iv) There is no action, suit, proceeding or investigation pending or, to the best knowledge of the Servicer, threatened against the Servicer which, either individually or in the aggregate, would result in any material adverse change in the business, operations, financial condition, properties or assets of the Servicer, or in any material impairment of the right or ability of the Servicer to carry on its business substantially as now conducted or which would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be taken in connection with the obligations of the Servicer contemplated herein, or which would materially impair the ability of the Servicer to perform under the terms of this Agreement. The representations and warranties made pursuant to this Section 2.03 shall survive delivery of the respective Mortgage Files to the Trustee for the benefit of the Certificateholders. Section 2.04 Representations and Warranties of the Depositor as to the Mortgage Loans. The Depositor hereby represents and warrants to the Trustee with respect to the Mortgage Loans or each Mortgage Loan, as the case may be, as of the date hereof or such other date set forth herein that as of the Closing Date: (i) The information set forth in the Mortgage Loan Schedule is true and correct in all material respects. (ii) There are no delinquent taxes, ground rents, governmental assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the lien priority of the related Mortgaged Property. (iii) The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Trustee; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Insurance Policy, if any, the title insurer, to the extent required by the related policy, and is reflected on the Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Insurance Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Trustee. (iv) The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto. (v) All buildings upon the Mortgaged Property are insured by an insurer generally acceptable to prudent mortgage lending institutions against loss by fire, hazards of extended coverage and such other hazards as are customary in the area the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of Customary Servicing Procedures and this Agreement. All such insurance policies contain a standard mortgagee clause naming the originator of the Mortgage Loan, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available), a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor's cost and expense and to seek reimbursement therefor from the Mortgagor. (vi) Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protections, equal credit opportunity or disclosure laws applicable to the origination and servicing of Mortgage Loan have been complied with. (vii) The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part (other than as to Principal Prepayments in full which may have been received prior to the Closing Date), and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release. (viii) The Mortgage is a valid, existing and enforceable first lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (A) the lien of current real property taxes and assessments not yet due and payable, (B) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (C) if the Mortgaged Property consists of Co-op Shares, any lien for amounts due to the cooperative housing corporation for unpaid assessments or charges or any lien of any assignment of rents or maintenance expenses secured by the real property owned by the cooperative housing corporation, and (D) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first lien and first priority security interest on the property described therein and the Depositor has the full right to sell and assign the same to the Trustee. (ix) The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as enforceability may be limited by (A) bankruptcy, insolvency, liquidation, receivership, moratorium, reorganization or other similar laws affecting the enforcement of the rights of creditors and (B) general principles of equity, whether enforcement is sought in a proceeding in equity or at law. (x) All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. (xi) The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvements and as to disbursements of any escrow funds therefor have been complied with. All costs fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage. (xii) To the best of the Depositor's knowledge, all parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in compliance with any and all applicable "doing business" and licensing requirements of the laws of the state wherein the Mortgaged Property is located. (xiii) The Mortgage Loan is covered by an ALTA lender's title insurance policy, acceptable to FNMA or FHLMC, issued by a title insurer acceptable to FNMA or FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (viii)(A) and (B) above) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan. The Depositor is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and the Depositor has not done, by act or omission, anything which would impair the coverage of such lender's title insurance policy. (xiv) There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. (xv) As of the date of origination of the Mortgage Loan, there had been no mechanics' or similar liens or claims filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the relating Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage. (xvi) All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property. (xvii) The Mortgage Loan was originated by a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved by the Secretary of HUD. (xviii) Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgaged Loan were disbursed. The Mortgage Loans are 30-year fixed rate mortgage loans having an original term to maturity of not more than 30 years, with interest payable in arrears on the first day of the month. Each Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Mortgage Note does not permit negative amortization. (xix) There is no proceeding pending or, to the Depositor's knowledge, threatened for the total or partial condemnation of the Mortgaged Property and such property is in good repair and is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended. (xx) The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including (A) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (B) otherwise by judicial foreclosure. To the best of the Depositor's knowledge, following the date of origination of the Mortgage Loan, the Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption or right available to the Mortgagor or any other person which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage. (xxi) The Mortgage Note and Mortgage are on forms acceptable to FNMA or FHLMC. (xxii) The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (viii) above. (xxiii) The Mortgage File contains an appraisal of the related Mortgaged Property, in a form acceptable to FNMA or FHLMC and such appraisal complies with the requirements of FIRREA, and was made and signed, prior to the approval of the Mortgage Loan application, by a Qualified Appraiser. (xxiv) In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves, and no fees or expenses are or will become payable by the Trustee to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor. (xxv) No Mortgage Loan is a graduated payment mortgage loan, no Mortgage Loan has a shared appreciation or other contingent interest feature, and no Mortgage Loan contains any "buydown" provision. (xxvi) The Mortgagor has received all disclosure materials required by applicable law with respect to the making of mortgage loans of the same type as the Mortgage Loan and rescission materials required by applicable law if the Mortgage Loan is a Refinance Mortgage Loan. (xxvii) Each Mortgage Loan with a Loan-to-Value Ratio at origination in excess of 80% will be subject to a Primary Insurance Policy, issued by an insurer acceptable to FNMA or FHLMC, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith at least until Loan-to-Value Ratio of such Mortgage Loan is reduced to less than 80%. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. (xxviii) To the best of the Depositor's knowledge as of the date of origination of the Mortgage Loan, (A) the Mortgaged Property is lawfully occupied under applicable law, (B) all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities and (C) no improvement located on or part of the Mortgaged Property is in violation of any zoning law or regulation. (xxix) The Assignment of Mortgage (except with respect to any Mortgage that has been recorded in the name of MERS or its designee) is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located. (xxx) All payments required to be made prior to the Cut-Off Date for such Mortgage Loan under the terms of the Mortgage Note have been made and no Mortgage Loan has been more than 30 days delinquent more than once in the twelve month period immediately prior to the Cut-Off Date. (xxxi) With respect to each Mortgage Loan, the Depositor or Servicer is in possession of a complete Mortgage File except for the documents which have been delivered to the Trustee or which have been submitted for recording and not yet returned. (xxxii) Immediately prior to the transfer and assignment contemplated herein, the Depositor was the sole owner and holder of the Mortgage Loans. The Mortgage Loans were not assigned or pledged by the Depositor and the Depositor had good and marketable title thereto, and the Depositor had full right to transfer and sell the Mortgage Loans to the Trustee free and clear of any encumbrance, participation interest, lien, equity, pledge, claim or security interest and had full right and authority subject to no interest or participation in, or agreement with any other party to sell or otherwise transfer the Mortgage Loans. (xxxiii) Any future advances made prior to the Cut-Off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee's consolidated interest or by other title evidence acceptable to FNMA and FHLMC. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan. (xxxiv) The Mortgage Loan was underwritten in accordance with the applicable Underwriting Guidelines in effect at the time of origination with exceptions thereto exercised in a reasonable manner. (xxxv) If the Mortgage Loan is secured by a long-term residential lease, (1) the lessor under the lease holds a fee simple interest in the land; (2) the terms of such lease expressly permit the mortgaging of the leasehold estate, the assignment of the lease without the lessor's consent and the acquisition by the holder of the Mortgage of the rights of the lessee upon foreclosure or assignment in lieu of foreclosure or provide the holder of the Mortgage with substantially similar protections; (3) the terms of such lease do not (a) allow the termination thereof upon the lessee's default without the holder of the Mortgage being entitled to receive written notice of, and opportunity to cure, such default, (b) allow the termination of the lease in the event of damage or destruction as long as the Mortgage is in existence, (c) prohibit the holder of the Mortgage from being insured (or receiving proceeds of insurance) under the hazard insurance policy or policies relating to the Mortgaged Property or (d) permit any increase in the rent other than pre-established increases set forth in the lease; (4) the original term of such lease in not less than 15 years; (5) the term of such lease does not terminate earlier than five years after the maturity date of the Mortgage Note; and (6) the Mortgaged Property is located in a jurisdiction in which the use of leasehold estates in transferring ownership in residential properties is a widely accepted practice. (xxxvi) The Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit, or an individual unit in a planned unit development, or, in the case of Mortgage Loans secured by Co-op Shares, leases or occupancy agreements; provided, however, that any condominium project or planned unit development generally conforms with the applicable Underwriting Guidelines regarding such dwellings, and no residence or dwelling is a mobile home or a manufactured dwelling. (xxxvii) The Depositor used no adverse selection procedures in selecting the Mortgage Loan for inclusion in the Trust Estate. (xxxviii) Each Mortgage Loan is a "qualified mortgage" within Section 860G(a)(3) of the Code. (xxxix) With respect to each Mortgage where a lost note affidavit has been delivered to the Trustee in place of the related Mortgage Note, the related Mortgage Note is no longer in existence. Notwithstanding the foregoing, no representations or warranties are made by the Depositor as to the environmental condition of any Mortgaged Property; the absence, presence or effect of hazardous wastes or hazardous substances on any Mortgaged Property; any casualty resulting from the presence or effect of hazardous wastes or hazardous substances on, near or emanating from any Mortgaged Property; the impact on Certificateholders of any environmental condition or presence of any hazardous substance on or near any Mortgaged Property; or the compliance of any Mortgaged Property with any environmental laws, nor is any agent, Person or entity otherwise affiliated with the Depositor authorized or able to make any such representation, warranty or assumption of liability relative to any Mortgaged Property. In addition, no representations or warranties are made by the Depositor with respect to the absence or effect of fraud in the origination of any Mortgage Loan. It is understood and agreed that the representations and warranties set forth in this Section 2.04 shall survive delivery of the respective Mortgage Files to the Trustee or the Custodian and shall inure to the benefit of the Trustee, notwithstanding any restrictive or qualified endorsement or assignment. Upon discovery by either the Depositor, the Servicer, the Trustee or the Custodian that any of the representations and warranties set forth in this Section 2.04 is not accurate (referred to herein as a "breach") and that such breach materially and adversely affects the interests of the Certificateholders in the related Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided that any such breach that causes the Mortgage Loan not to be a "qualified mortgage" within the meaning of Section 860G(a)(3) of the Code shall be deemed to materially and adversely affect the interests of the Certificateholders. Within 90 days of its discovery or its receipt of notice of any such breach, the Depositor shall cure such breach in all material respects or shall either (i) repurchase the Mortgage Loan or any property acquired in respect thereof from the Trustee at a price equal to the Repurchase Price or (ii) if within two years of the Closing Date, substitute for such Mortgage Loan in the manner described in Section 2.02; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such repurchase or substitution must occur within 90 days from the date the breach was discovered. The Repurchase Price of any repurchase described in this paragraph and the Substitution Adjustment Amount, if any, shall be deposited in the applicable Certificate Account. It is understood and agreed that the obligation of the Depositor to repurchase or substitute for any Mortgage Loan or Mortgaged Property as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders, or to the Trustee on behalf of Certificateholders, and such obligation shall survive until termination of the Trust hereunder. Section 2.05 Designation of Interests in the REMICs. The Depositor hereby designates the Classes of Group 1-A Certificates (other than the Class 1-A-R Certificate) and the Classes of Group 1-B Certificates as classes of "regular interests" and the Class 1-A-R Certificates as the single class of "residual interests" in REMIC 1 for the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively. The Depositor hereby designates the Classes of Group 2-A Certificates (other than the Class 2-A-R Certificate) and the Classes of Group 2-B Certificates as classes of "regular interests" and the Class 2-A-R Certificates as the single class of "residual interests" in REMIC 2 for the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively. Section 2.06 Designation of Start-up Day. The Closing Date is hereby designated as the "start-up day" of REMIC 1 and REMIC 2 within the meaning of Section 860G(a)(9) of the Code. Section 2.07 REMIC Certificate Maturity Date. Solely for purposes of satisfying Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" of the regular interests in REMIC 1 and REMIC 2 is June 25, 2031 and June 25, 2016, respectively. Section 2.08 Execution and Delivery of Certificates. The Trustee has executed and delivered to or upon the order of the Depositor, in exchange for the Mortgage Loans together with all other assets included in the definition of "Trust Estate," receipt of which is hereby acknowledged, Certificates in authorized denominations which evidence ownership of the entire Trust Estate. ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01 Servicer to Service Mortgage Loans. For and on behalf of the Certificateholders, the Servicer shall service and administer the Mortgage Loans, all in accordance with the terms of this Agreement, Customary Servicing Procedures, applicable law and the terms of the Mortgage Notes and Mortgages. In connection with such servicing and administration, the Servicer shall have full power and authority, acting alone and/or through Subservicers as provided in Section 3.02, to do or cause to be done any and all things that it may deem necessary or desirable in connection with such servicing and administration including, but not limited to, the power and authority, subject to the terms hereof, (a) to execute and deliver, on behalf of the Certificateholders and the Trustee, customary consents or waivers and other instruments and documents, (b) to consent, with respect to the Mortgage Loans it services, to transfers of any Mortgaged Property and assumptions of the Mortgage Notes and related Mortgages (but only in the manner provided in this Agreement), (c) to collect any Insurance Proceeds and other Liquidation Proceeds relating to the Mortgage Loans it services, and (d) to effectuate foreclosure or other conversion of the ownership of the Mortgaged Property securing any Mortgage Loan it services. The Servicer shall represent and protect the interests of the Trust in the same manner as it protects its own interests in mortgage loans in its own portfolio in any claim, proceeding or litigation regarding a Mortgage Loan and shall not make or permit any modification, waiver or amendment of any term of any Mortgage Loan, except as provided pursuant to Section 3.21. Without limiting the generality of the foregoing, the Servicer, in its own name or in the name of any Subservicer or the Depositor and the Trustee, is hereby authorized and empowered by the Depositor and the Trustee, when the Servicer or any Subservicer, as the case may be, believes it appropriate in its reasonable judgment, to execute and deliver, on behalf of the Trustee, the Depositor, the Certificateholders or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, and all other comparable instruments, with respect to the Mortgage Loans it services, and with respect to the related Mortgaged Properties held for the benefit of the Certificateholders. The Servicer shall prepare and deliver to the Depositor and/or the Trustee such documents requiring execution and delivery by either or both of them as are necessary or appropriate to enable the Servicer to service and administer the Mortgage Loans it services to the extent that the Servicer is not permitted to execute and deliver such documents pursuant to the preceding sentence. Upon receipt of such documents, the Depositor and/or the Trustee, upon the direction of the Servicer, shall promptly execute such documents and deliver them to the Servicer. In accordance with the standards of the preceding paragraph, the Servicer shall advance or cause to be advanced funds as necessary for the purpose of effecting the payment of taxes and assessments on the Mortgaged Properties relating to the Mortgage Loans it services, which Servicing Advances shall be reimbursable in the first instance from related collections from the Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11. The costs incurred by the Servicer, if any, in effecting the timely payments of taxes and assessments on the Mortgaged Properties and related insurance premiums shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the Stated Principal Balances of the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit. The relationship of the Servicer (and of any successor to the Servicer as servicer under this Agreement) to the Trustee under this Agreement is intended by the parties to be that of an independent contractor and not that of a joint venturer, partner or agent. Section 3.02 Subservicing; Enforcement of the Obligations of Servicer. (a) The Servicer may arrange for the subservicing of any Mortgage Loan it services by a Subservicer pursuant to a Subservicing Agreement; provided, however, that such subservicing arrangement and the terms of the related Subservicing Agreement must provide for the servicing of such Mortgage Loan in a manner consistent with the servicing arrangements contemplated hereunder. Notwithstanding the provisions of any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Servicer and a Subservicer or reference to actions taken through a Subservicer or otherwise, the Servicer shall remain obligated and liable to the Depositor, the Trustee and the Certificateholders for the servicing and administration of the Mortgage Loans it services in accordance with the provisions of this Agreement without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering those Mortgage Loans. All actions of each Subservicer performed pursuant to the related Subservicing Agreement shall be performed as agent of the Servicer with the same force and effect as if performed directly by the Servicer. (b) For purposes of this Agreement, the Servicer shall be deemed to have received any collections, recoveries or payments with respect to the Mortgage Loans it services that are received by a Subservicer regardless of whether such payments are remitted by the Subservicer to the Servicer. (c) As part of its servicing activities hereunder, the Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer engaged by the Servicer under the related Subservicing Agreement, to the extent that the non-performance of any such obligation would have a material and adverse effect on a Mortgage Loan. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Servicer, in its good faith business judgment, would require were it the owner of the related Mortgage Loans. The Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. (d) Any Subservicing Agreement entered into by the Servicer shall provide that it may be assumed or terminated by the Trustee, if the Trustee has assumed the duties of the Servicer, or any successor Servicer, at the Trustee's or successor Servicer's option, as applicable, without cost or obligation to the assuming or terminating party or the Trust Estate, upon the assumption by such party of the obligations of the Servicer pursuant to Section 8.05. Any Subservicing Agreement, and any other transactions or services relating to the Mortgage Loans involving a Subservicer, shall be deemed to be between the Servicer and such Subservicer alone, and the Trustee and the Certificateholders shall not be deemed parties thereto and shall have no claims or rights of action against, rights, obligations, duties or liabilities to or with respect to the Subservicer or its officers, directors or employees, except as set forth in Section 3.01. Section 3.03 Fidelity Bond; Errors and Omissions Insurance. The Servicer shall maintain, at its own expense, a blanket fidelity bond and an errors and omissions insurance policy, with broad coverage on all officers, employees or other persons acting in any capacity requiring such persons to handle funds, money, documents or papers relating to the Mortgage Loans it services. These policies must insure the Servicer against losses resulting from dishonest or fraudulent acts committed by the Servicer's personnel, any employees of outside firms that provide data processing services for the Servicer, and temporary contract employees or student interns. Such fidelity bond shall also protect and insure the Servicer against losses in connection with the release or satisfaction of a Mortgage Loan without having obtained payment in full of the indebtedness secured thereby. No provision of this Section 3.03 requiring such fidelity bond and errors and omissions insurance shall diminish or relieve the Servicer from its duties and obligations as set forth in this Agreement. The minimum coverage under any such bond and insurance policy shall be at least equal to the corresponding amounts required by FNMA in the FNMA Servicing Guide or by FHLMC in the FHLMC Sellers' & Servicers' Guide, as amended or restated from time to time, or in an amount as may be permitted to the Servicer by express waiver of FNMA or FHLMC. Section 3.04 Access to Certain Documentation. The Servicer shall provide to the OTS and the FDIC and to comparable regulatory authorities supervising Holders of Subordinate Certificates and the examiners and supervisory agents of the OTS, the FDIC and such other authorities, access to the documentation required by applicable regulations of the OTS and the FDIC with respect to the Mortgage Loans. Such access shall be afforded without charge, but only upon reasonable and prior written request and during normal business hours at the offices designated by the Servicer. Nothing in this Section 3.04 shall limit the obligation of the Servicer to observe any applicable law and the failure of the Servicer to provide access as provided in this Section 3.04 as a result of such obligation shall not constitute a breach of this Section 3.04. Section 3.05 Maintenance of Primary Insurance Policy; Claims. With respect to each Mortgage Loan with a Loan-to-Value Ratio in excess of 80% or such other Loan-to-Value Ratio as may be required by law, the Servicer responsible for servicing such Mortgage Loan shall, without any cost to the Trust Estate, maintain or cause the Mortgagor to maintain in full force and effect a Primary Insurance Policy insuring that portion of the Mortgage Loan in excess of a percentage in conformity with FNMA requirements. The Servicer shall pay or shall cause the Mortgagor to pay the premium thereon on a timely basis, at least until the Loan-to-Value Ratio of such Mortgage Loan is reduced to 80% or such other Loan-to-Value Ratio as may be required by law. If such Primary Insurance Policy is terminated, the Servicer shall obtain from another insurer a comparable replacement policy, with a total coverage equal to the remaining coverage of such terminated Primary Insurance Policy. If the insurer shall cease to be an insurer acceptable to FNMA, the Servicer shall notify the Trustee in writing, it being understood that the Servicer shall not have any responsibility or liability for any failure to recover under the Primary Insurance Policy for such reason. If the Servicer determines that recoveries under the Primary Insurance Policy are jeopardized by the financial condition of the insurer, the Servicer shall obtain from another insurer which meets the requirements of this Section 3.05 a replacement insurance policy. The Servicer shall not take any action that would result in noncoverage under any applicable Primary Insurance Policy of any loss that, but for the actions of the Servicer, would have been covered thereunder. In connection with any assumption or substitution agreement entered into or to be entered into pursuant to Section 3.13, the Servicer shall promptly notify the insurer under the related Primary Insurance Policy, if any, of such assumption or substitution of liability in accordance with the terms of such Primary Insurance Policy and shall take all actions which may be required by such insurer as a condition to the continuation of coverage under such Primary Insurance Policy. If such Primary Insurance Policy is terminated as a result of such assumption or substitution of liability, the Servicer shall obtain a replacement Primary Insurance Policy as provided above. In connection with its activities as servicer, the Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims to the insurer under any Primary Insurance Policy in a timely fashion in accordance with the terms of such Primary Insurance Policy and, in this regard, to take such action as shall be necessary to permit recovery under any Primary Insurance Policy respecting a defaulted Mortgage Loan. Pursuant to Section 3.09(a), any amounts collected by the Servicer under any Primary Insurance Policy shall be deposited in the related Escrow Account, subject to withdrawal pursuant to Section 3.09(b). The Servicer will comply with all provisions of applicable state and federal law relating to the cancellation of, or collection of premiums with respect to, Primary Mortgage Insurance, including, but not limited to, the provisions of the Homeowners Protection Act of 1998, and all regulations promulgated thereunder, as amended from time to time. Section 3.06 Rights of the Depositor and the Trustee in Respect of the Servicer. The Depositor may, but is not obligated to, enforce the obligations of the Servicer hereunder and may, but is not obligated to, perform, or cause a designee to perform, any defaulted obligation of the Servicer hereunder and in connection with any such defaulted obligation to exercise the related rights of the Servicer hereunder; provided that the Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Depositor or its designee. Neither the Trustee nor the Depositor shall have any responsibility or liability for any action or failure to act by the Servicer nor shall the Trustee or the Depositor be obligated to supervise the performance of the Servicer hereunder or otherwise. Any Subservicing Agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such shall be deemed to be between the Subservicer and the Servicer alone, and the Trustee and Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer except as set forth in Section 3.07. The Servicer shall be solely liable for all fees owed by it to any Subservicer, irrespective of whether the Servicer's compensation pursuant to this Agreement is sufficient to pay such fees. Section 3.07 Trustee to Act as Servicer. If the Servicer shall for any reason no longer be the Servicer hereunder (including by reason of an Event of Default), the Trustee shall thereupon, assume, if it so elects, or shall appoint a successor Servicer to assume, all of the rights and obligations of the Servicer hereunder arising thereafter (except that the Trustee shall not be (a) liable for losses of the Servicer pursuant to Section 3.12 or any acts or omissions of the predecessor Servicer hereunder, (b) obligated to make Advances if it is prohibited from doing so by applicable law or (c) deemed to have made any representations and warranties of the Servicer hereunder). Any such assumption shall be subject to Section 7.02. If the Servicer shall for any reason no longer be the Servicer (including by reason of any Event of Default), the Trustee or the successor Servicer may elect to succeed to any rights and obligations of the Servicer under each Subservicing Agreement or may terminate each Subservicing Agreement. If it has elected to assume the Subservicing Agreement, the Trustee or the successor Servicer shall be deemed to have assumed all of the Servicer's interest therein and to have replaced the Servicer as a party to any Subservicing Agreement entered into by the Servicer as contemplated by Section 3.02 to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Servicer shall not be relieved of any liability or obligations under any such Subservicing Agreement. The Servicer that is no longer the Servicer hereunder shall, upon request of the Trustee, but at the expense of the Servicer, deliver to the assuming party all documents and records relating to each Subservicing Agreement or substitute servicing agreement and the Mortgage Loans then being serviced thereunder and an accounting of amounts collected or held by it and otherwise use its best efforts to effect the orderly and efficient transfer of such substitute Subservicing Agreement to the assuming party. Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial Account; and Certificate Account. (a) Continuously from the date hereof until the principal and interest on all Mortgage Loans are paid in full, the Servicer will proceed diligently, in accordance with this Agreement, to collect all payments due under each of the Mortgage Loans it services when the same shall become due and payable. Further, the Servicer will in accordance with all applicable law and Customary Servicing Procedures ascertain and estimate taxes, assessments, fire and hazard insurance premiums, mortgage insurance premiums and all other charges with respect to the Mortgage Loans it services that, as provided in any Mortgage, will become due and payable to the end that the installments payable by the Mortgagors will be sufficient to pay such charges as and when they become due and payable. Consistent with the foregoing, the Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan it services and (ii) extend the due dates for payments due on a Mortgage Note for a period not greater than 120 days; provided, however, that the Servicer cannot extend the maturity of any such Mortgage Loan past the date on which the final payment is due on the latest maturing Mortgage Loan as of the Cut-Off Date. In the event of any such arrangement, the Servicer shall make Periodic Advances on the related Mortgage Loan in accordance with the provisions of Section 3.20 during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements. The Servicer shall not be required to institute or join in litigation with respect to collection of any payment (whether under a Mortgage, Mortgage Note or otherwise or against any public or governmental authority with respect to a taking or condemnation) if it reasonably believes that enforcing the provision of the Mortgage or other instrument pursuant to which such payment is required is prohibited by applicable law. (b) The Servicer shall establish and maintain the Servicer Custodial Account. The Servicer shall deposit or cause to be deposited into the Servicer Custodial Account, all on a daily basis within one Business Day of receipt, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by the Servicer in respect of the Mortgage Loans subsequent to the Cut-Off Date (other than in respect of principal and interest due on the Mortgage Loans on or before the Cut-Off Date) and the following amounts required to be deposited hereunder with respect to the Mortgage Loans it services: (i) all payments on account of principal of the Mortgage Loans, including Principal Prepayments; (ii) all payments on account of interest on the Mortgage Loans, net of the Servicing Fee; (iii) (A) all Insurance Proceeds and Liquidation Proceeds, other than Insurance Proceeds to be (1) applied to the restoration or repair of the Mortgaged Property, (2) released to the Mortgagor in accordance with Customary Servicing Procedures or (3) required to be deposited to an Escrow Account pursuant to Section 3.09(a) and (B) any Insurance Proceeds released from an Escrow Account pursuant to Section 3.09(b)(iv); (iv) any amount required to be deposited by the Servicer pursuant to Section 3.08(d) in connection with any losses on Permitted Investments with respect to the Servicer Custodial Account; (v) any amounts required to be deposited by the Servicer pursuant to Section 3.14; (vi) all Repurchase Prices and all Substitution Adjustment Amounts received by the Servicer; (vii) Periodic Advances made by the Servicer pursuant to Section 3.20 and any payments of Compensating Interest; and (viii) any other amounts required to be deposited hereunder. The foregoing requirements for deposits to the Servicer Custodial Account by the Servicer shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of prepayment penalties, late payment charges or assumption fees, if collected, need not be deposited by the Servicer. If the Servicer shall deposit in the Servicer Custodial Account any amount not required to be deposited, it may at any time withdraw or direct the institution maintaining the Servicer Custodial Account to withdraw such amount from the Servicer Custodial Account, any provision herein to the contrary notwithstanding. The Servicer Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Servicer or serviced by the Servicer on behalf of others. Notwithstanding such commingling of funds, the Servicer shall keep records that accurately reflect the funds on deposit in the Servicer Custodial Account that have been identified by it as being attributable to the Mortgage Loans it services. The Servicer shall maintain adequate records with respect to all withdrawals made pursuant to this Section 3.08. All funds required to be deposited in the Servicer Custodial Account shall be held in trust for the Certificateholders until withdrawn in accordance with Section 3.11. (c) The Trustee shall establish and maintain, on behalf of the Certificateholders, the Certificate Accounts. The Trustee shall, promptly upon receipt, deposit in the applicable Certificate Account and retain therein the following: (i) the aggregate amount remitted by the Servicer to the Trustee pursuant to Section 3.11(a)(viii); (ii) any amount paid by the Trustee pursuant to Section 3.08(d) in connection with any losses on Permitted Investments with respect to such Certificate Account; and (iii) any other amounts deposited hereunder which are required to be deposited in the applicable Certificate Account. If the Servicer shall remit any amount not required to be remitted, it may at any time direct the Trustee to withdraw such amount from the applicable Certificate Account, any provision herein to the contrary notwithstanding. Such direction may be accomplished by delivering an Officer's Certificate to the Trustee which describes the amounts deposited in error in such Certificate Account. All funds required to be deposited in the Certificate Accounts shall be held by the Trustee in trust for the Certificateholders until disbursed in accordance with this Agreement or withdrawn in accordance with Section 3.11. In no event shall the Trustee incur liability for withdrawals from the Certificate Accounts at the direction of a the Servicer. (d) Each institution at which the Servicer Custodial Account or the Certificate Accounts are maintained shall invest the funds therein as directed in writing by the Servicer in Permitted Investments, which shall mature not later than (i) in the case of the Servicer Custodial Account, the Business Day next preceding the related Remittance Date (except that if such Permitted Investment is an obligation of the institution that maintains such account, then such Permitted Investment shall mature not later than such Remittance Date) and (ii) in the case of the Certificate Accounts, the Business Day next preceding the Distribution Date (except that if such Permitted Investment is an obligation of the institution that maintains such account, then such Permitted Investment shall mature not later than such Distribution Date) and, in each case, shall not be sold or disposed of prior to its maturity. All such Permitted Investments shall be made in the name of the Trustee, for the benefit of the Certificateholders. All income or gain (net of any losses) realized from any such investment of funds on deposit in the Servicer Custodial Account shall be for the benefit of the Servicer as servicing compensation and shall be retained by it monthly as provided herein. All income or gain (net of any losses) realized from any such investment of funds on deposit in the Certificate Accounts shall be for the benefit of the Trustee as additional compensation and shall be retained by it monthly as provided herein. The amount of any losses realized in the Servicer Custodial Account or the Certificate Accounts incurred in any such account in respect of any such investments shall promptly be deposited by the Servicer in the Servicer Custodial Account or by the Trustee in the related Certificate Account, as applicable. (e) The Servicer shall give notice to the Trustee of any proposed change of the location of the Servicer Custodial Account maintained by the Servicer not later than 30 days and not more than 45 days prior to any change thereof. The Trustee shall give notice to the Servicer, each Rating Agency and the Depositor of any proposed change of the location of either Certificate Account not later than 30 days after and not more than 45 days prior to any change thereof. The creation of the Servicer Custodial Account shall be evidenced by a certification substantially in the form of Exhibit F hereto. A copy of such certification shall be furnished to the Trustee. Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow Accounts. (a) To the extent required by the related Mortgage Note and not violative of current law, the Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan which constitute Escrow Payments in trust separate and apart from any of its own funds and general assets and for such purpose shall establish and maintain one or more escrow accounts (collectively, the "Escrow Account"), titled "[Insert name of Servicer], in trust for registered holders of Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-6 and various Mortgagors." The Escrow Account shall be established with a commercial bank, a savings bank or a savings and loan association that meets the guidelines set forth by FNMA or FHLMC as an eligible institution for escrow accounts and which is a member of the Automated Clearing House. In any case, the Escrow Account shall be insured by the FDIC to the fullest extent permitted by law. The Servicer shall deposit in the appropriate Escrow Account on a daily basis, and retain therein: (i) all Escrow Payments collected on account of the Mortgage Loans, (ii) all amounts representing proceeds of any hazard insurance policy which are to be applied to the restoration or repair of any related Mortgaged Property and (iii) all amounts representing proceeds of any Primary Insurance Policy. Nothing herein shall require the Servicer to compel a Mortgagor to establish an Escrow Account in violation of applicable law. (b) Withdrawals of amounts so collected from the Escrow Accounts may be made by the Servicer only (i) to effect timely payment of taxes, assessments, mortgage insurance premiums, fire and hazard insurance premiums, condominium or PUD association dues, or comparable items constituting Escrow Payments for the related Mortgage, (ii) to reimburse the Servicer out of related Escrow Payments made with respect to a Mortgage Loan for any Servicing Advance made by the Servicer pursuant to Section 3.09(c) with respect to such Mortgage Loan, (iii) to refund to any Mortgagor any sums determined to be overages, (iv) for transfer to the Servicer Custodial Account upon default of a Mortgagor or in accordance with the terms of the related Mortgage Loan and if permitted by applicable law, (v) for application to restore or repair the Mortgaged Property, (vi) to pay to the Mortgagor, to the extent required by law, any interest paid on the funds deposited in the Escrow Account, (vii) to pay to itself any interest earned on funds deposited in the Escrow Account (and not required to be paid to the Mortgagor), (viii) to the extent permitted under the terms of the related Mortgage Note and applicable law, to pay late fees with respect to any Monthly Payment which is received after the applicable grace period, (ix) to withdraw suspense payments that are deposited into the Escrow Account, (x) to withdraw any amounts inadvertently deposited in the Escrow Account or (xi) to clear and terminate the Escrow Account upon the termination of this Agreement in accordance with Section 10.01. Any Escrow Account shall not be a part of the Trust Estate. (c) With respect to each Mortgage Loan, the Servicer shall maintain accurate records reflecting the status of taxes, assessments and other charges which are or may become a lien upon the Mortgaged Property and the status of Primary Insurance Policy premiums and fire and hazard insurance coverage. The Servicer shall obtain, from time to time, all bills for the payment of such charges (including renewal premiums) and shall effect payment thereof prior to the applicable penalty or termination date and at a time appropriate for securing maximum discounts allowable, employing for such purpose deposits of the Mortgagor in the Escrow Account, if any, which shall have been estimated and accumulated by the Servicer in amounts sufficient for such purposes, as allowed under the terms of the Mortgage. To the extent that a Mortgage does not provide for Escrow Payments, the Servicer shall determine that any such payments are made by the Mortgagor. The Servicer assumes full responsibility for the timely payment of all such bills and shall effect timely payments of all such bills irrespective of each Mortgagor's faithful performance in the payment of same or the making of the Escrow Payments. The Servicer shall advance any such payments that are not timely paid, but the Servicer shall be required so to advance only to the extent that such Servicing Advances, in the good faith judgment of the Servicer, will be recoverable by the Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.10 Access to Certain Documentation and Information Regarding the Mortgage Loans. The Servicer shall afford the Trustee reasonable access to all records and documentation regarding the Mortgage Loans and all accounts, insurance information and other matters relating to this Agreement, such access being afforded without charge, but only upon reasonable request and during normal business hours at the office designated by the Servicer. Upon reasonable advance notice in writing, the Servicer will provide to each Certificateholder which is a savings and loan association, bank or insurance company certain reports and reasonable access to information and documentation regarding the Mortgage Loans sufficient to permit such Certificateholder to comply with applicable regulations of the OTS or other regulatory authorities with respect to investment in the Certificates; provided that the Servicer shall be entitled to be reimbursed by each such Certificateholder for actual expenses incurred by the Servicer in providing such reports and access. Section 3.11 Permitted Withdrawals from the Servicer Custodial Account and Certificate Accounts. (a) The Servicer may from time to time make withdrawals from the Servicer Custodial Account, for the following purposes: (i) to pay to the Servicer (to the extent not previously retained), the servicing compensation to which it is entitled pursuant to Section 3.17, and to pay to the Servicer, as additional servicing compensation, earnings on or investment income with respect to funds in or credited to the Servicer Custodial Account; (ii) to reimburse the Servicer for unreimbursed Advances made by it, such right of reimbursement pursuant to this clause (ii) being limited to amounts received on the Mortgage Loan(s) in respect of which any such Advance was made; (iii) to reimburse the Servicer for any Nonrecoverable Advance previously made, such right of reimbursement pursuant to this clause (iii) being limited to amounts received on the Mortgage Loans in the same Loan Group as the Mortgage Loan(s) in respect of which such Nonrecoverable Advance was made; (iv) to reimburse the Servicer for Insured Expenses from the related Insurance Proceeds; (v) to pay to the purchaser, with respect to each Mortgage Loan or REO Property that has been purchased pursuant to Section 2.02 or 2.04, all amounts received thereon after the date of such purchase; (vi) to reimburse the Servicer or the Depositor for expenses incurred by any of them and reimbursable pursuant to Section 7.03; (vii) to withdraw any amount deposited in the Servicer Custodial Account and not required to be deposited therein; (viii) on or prior to the Remittance Date, to withdraw an amount equal to the related Pool Distribution Amount, the related Trustee Fee and any other amounts due to the Trustee under this Agreement for such Distribution Date, to the extent on deposit, and remit such amount in immediately available funds to the Trustee for deposit in the related Certificate Account; and (ix) to clear and terminate the Servicer Custodial Account upon termination of this Agreement pursuant to Section 10.01. The Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Servicer Custodial Account pursuant to clauses (i), (ii), (iv) and (v). The Servicer shall keep and maintain such separate accounting for each Loan Group. Prior to making any withdrawal from the Servicer Custodial Account pursuant to clause (iii), the Servicer shall deliver to the Trustee an Officer's Certificate of a Servicing Officer indicating the amount of any previous Advance determined by the Servicer to be a Nonrecoverable Advance and identifying the related Mortgage Loan(s) and their respective portions of such Nonrecoverable Advance. (b) The Trustee shall withdraw funds from the Certificate Accounts for distributions to Certificateholders in the manner specified in this Agreement. In addition, the Trustee may from time to time make withdrawals from the applicable Certificate Account for the following purposes: (i) to pay to itself the Trustee Fee and any other amounts due to the Trustee under this Agreement for the related Distribution Date; (ii) to pay to itself as additional compensation earnings on or investment income with respect to funds in the Certificate Accounts; (iii) to withdraw and return to the Servicer any amount deposited in either Certificate Account and not required to be deposited therein; and (iv) to clear and terminate the applicable Certificate Account upon termination pursuant to Section 10.01. Section 3.12 Maintenance of Hazard Insurance. The Servicer shall cause to be maintained for each Mortgage Loan, fire and hazard insurance with extended coverage customary in the area where the Mortgaged Property is located in an amount which is at least equal to the lesser of (a) the full insurable value of the Mortgaged Property or (b) the greater of (i) the outstanding principal balance owing on the Mortgage Loan and (ii) an amount such that the proceeds of such insurance shall be sufficient to avoid the application to the Mortgagor or loss payee of any coinsurance clause under the policy. If the Mortgaged Property is in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) the Servicer will cause to be maintained a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration and the requirements of FNMA or FHLMC. The Servicer shall also maintain on REO Property, fire and hazard insurance with extended coverage in an amount which is at least equal to the maximum insurable value of the improvements which are a part of such property, liability insurance and, to the extent required, flood insurance in an amount required above. Any amounts collected by the Servicer under any such policies (other than amounts to be deposited in an Escrow Account and applied to the restoration or repair of the property subject to the related Mortgage or property acquired in liquidation of the Mortgage Loan, or to be released to the Mortgagor in accordance with Customary Servicing Procedures) shall be deposited in the Servicer Custodial Account, subject to withdrawal pursuant to Section 3.11(a). It is understood and agreed that no earthquake or other additional insurance need be required by the Servicer of any Mortgagor or maintained on REO Property, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. All policies required hereunder shall be endorsed with standard mortgagee clauses with loss payable to the Servicer, and shall provide for at least 30 days prior written notice of any cancellation, reduction in amount or material change in coverage to the Servicer. The hazard insurance policies for each Mortgage Loan secured by a unit in a condominium development or planned unit development shall be maintained with respect to such Mortgage Loan and the related development in a manner which is consistent with FNMA requirements. Notwithstanding the foregoing, the Servicer may maintain a blanket policy insuring against hazard losses on all of the Mortgaged Properties relating to the Mortgage Loans in lieu of maintaining the required hazard insurance policies for each Mortgage Loan and may maintain a blanket policy insuring against special flood hazards in lieu of maintaining any required flood insurance. Any such blanket policies shall (A) be consistent with prudent industry standards, (B) name the Servicer as loss payee, (C) provide coverage in an amount equal to the aggregate unpaid principal balance on the related Mortgage Loans without co-insurance, and (D) otherwise comply with the requirements of this Section 3.12. Any such blanket policy may contain a deductible clause; provided that if any Mortgaged Property is not covered by a separate policy otherwise complying with this Section 3.12 and a loss occurs with respect to such Mortgaged Property which loss would have been covered by such a policy, the Servicer shall deposit in the Servicer Custodial Account the difference, if any, between the amount that would have been payable under a separate policy complying with this Section 3.12 and the amount paid under such blanket policy. Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements. (a) Except as otherwise provided in this Section 3.13, when any Mortgaged Property subject to a Mortgage has been conveyed by the Mortgagor, the Servicer shall use reasonable efforts, to the extent that it has actual knowledge of such conveyance, to enforce any due-on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing, the Servicer is not required to exercise such rights with respect to a Mortgage Loan if the Person to whom the related Mortgaged Property has been conveyed or is proposed to be conveyed satisfies the terms and conditions contained in the Mortgage Note and Mortgage related thereto and the consent of the mortgagee under such Mortgage Note or Mortgage is not otherwise required under such Mortgage Note or Mortgage as a condition to such transfer. If (i) the Servicer is prohibited by law from enforcing any such due-on-sale clause, (ii) coverage under any Required Insurance Policy would be adversely affected, (iii) the Mortgage Note does not include a due-on-sale clause or (iv) nonenforcement is otherwise permitted hereunder, the Servicer is authorized, subject to Section 3.13(b), to take or enter into an assumption and modification agreement from or with the Person to whom such Mortgaged Property has been or is about to be conveyed, pursuant to which such Person becomes liable under the Mortgage Note and, unless prohibited by applicable state law, the Mortgagor remains liable thereon; provided that the Mortgage Loan shall continue to be covered (if so covered before the Servicer enters such agreement) by the applicable Required Insurance Policies. The Servicer, subject to Section 3.13(b), is also authorized with the prior approval of the insurers under any Required Insurance Policies to enter into a substitution of liability agreement with such Person, pursuant to which the original Mortgagor is released from liability and such Person is substituted as Mortgagor and becomes liable under the Mortgage Note. Notwithstanding the foregoing, the Servicer shall not be deemed to be in default under this Section 3.13 by reason of any transfer or assumption which the Servicer reasonably believes it is restricted by law from preventing, for any reason whatsoever. (b) Subject to the Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property has been conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption agreement or modification agreement or supplement to the Mortgage Note or Mortgage that requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Servicer shall prepare and deliver or cause to be prepared and delivered to the Trustee for signature and shall direct, in writing, the Trustee to execute the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person. In no event shall the Trustee incur liability for executing any document under this Section 3.13 at the direction of the Servicer. In connection with any such assumption, no material term of the Mortgage Note may be changed. In addition, the substitute Mortgagor and the Mortgaged Property must be acceptable to the Servicer in accordance with its underwriting standards as then in effect. Together with each such substitution, assumption or other agreement or instrument delivered to the Trustee for execution by it, the Servicer shall deliver an Officer's Certificate signed by a Servicing Officer stating that the requirements of this subsection have been met. The Servicer shall notify the Trustee that any such substitution or assumption agreement has been completed by forwarding to the Trustee (or at the direction of the Trustee, the Custodian) the original of such substitution or assumption agreement, which in the case of the original shall be added to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof. Any fee collected by the Servicer for entering into an assumption or substitution of liability agreement may be retained by the Servicer as additional master servicing compensation. Notwithstanding the foregoing, to the extent permissible under applicable law and at the request of the Servicer, the Trustee shall execute and deliver to the Servicer any powers of attorney and other documents prepared by the Servicer that are reasonably necessary or appropriate to enable the Servicer to execute any assumption agreement or modification agreement required to be executed by the Trustee under this Section 3.13. Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property. (a) The Servicer shall use reasonable efforts to foreclose upon or otherwise comparably convert the ownership of Mortgaged Properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments. In connection with such foreclosure or other conversion, the Servicer shall follow Customary Servicing Procedures and shall meet the requirements of the insurer under any Required Insurance Policy; provided, however, that the Servicer may enter into a special servicing agreement with an unaffiliated Holder of 100% Percentage Interest of a Class of Class B Certificates or a holder of a class of securities representing interests in the Class B Certificates alone or together with other subordinated mortgage pass-through certificates. Such agreement shall be substantially in the form attached hereto as Exhibit K or subject to each Rating Agency's acknowledgment that the ratings of the Certificates in effect immediately prior to the entering into such agreement would not be qualified, downgraded or withdrawn and the Certificates would not be placed on credit review status (except for possible upgrading) as a result of such agreement. Any such agreement may contain provisions whereby such holder may instruct the Servicer to commence or delay foreclosure proceedings with respect to delinquent Mortgage Loans and will contain provisions for the deposit of cash by the holder that would be available for distribution to Certificateholders if Liquidation Proceeds are less than they otherwise may have been had the Servicer acted in accordance with its normal procedures. Notwithstanding the foregoing, the Servicer shall not be required to expend its own funds in connection with any foreclosure or towards the restoration of any Mortgaged Property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan after reimbursement to itself of such expenses and (ii) that such expenses will be recoverable to it through proceeds of the liquidation of the Mortgage Loan (respecting which it shall have priority for purposes of withdrawals from the Servicer Custodial Account). Any such expenditures shall constitute Servicing Advances for purposes of this Agreement. The decision of the Servicer to foreclose on a defaulted Mortgage Loan shall be subject to a determination by the Servicer that the proceeds of such foreclosure would exceed the costs and expenses of bringing such a proceeding. With respect to any REO Property, the deed or certificate of sale shall be taken in the name of the Trustee for the benefit of the Certificateholders, or its nominee, on behalf of the Certificateholders. The Trustee's name shall be placed on the title to such REO Property solely as the Trustee hereunder and not in its individual capacity. The Servicer shall ensure that the title to such REO Property references this Agreement and the Trustee's capacity hereunder. Pursuant to its efforts to sell such REO Property, the Servicer shall either itself or through an agent selected by the Servicer manage, conserve, protect and operate such REO Property in the same manner that it manages, conserves, protects and operates other foreclosed property for its own account and in the same manner that similar property in the same locality as the REO Property is managed. Incident to its conservation and protection of the interests of the Certificateholders, the Servicer may rent the same, or any part thereof, as the Servicer deems to be in the best interest of the Certificateholders for the period prior to the sale of such REO Property. The Servicer shall prepare for and deliver to the Trustee a statement with respect to each REO Property that has been rented, if any, showing the aggregate rental income received and all expenses incurred in connection with the management and maintenance of such REO Property at such times as is necessary to enable the Trustee to comply with the reporting requirements of the REMIC Provisions; provided, however, that the Servicer shall have no duty to rent any REO Property on behalf of the Trust. The net monthly rental income, if any, from such REO Property shall be deposited in the Servicer Custodial Account no later than the close of business on each Determination Date. The Servicer shall perform, with respect to the Mortgage Loans, the tax reporting and withholding required by Sections 1445 and 6050J of the Code with respect to foreclosures and abandonments, the tax reporting required by Section 6050H of the Code with respect to the receipt of mortgage interest from individuals and, if required by Section 6050P of the Code with respect to the cancellation of indebtedness by certain financial entities, by preparing such tax and information returns as may be required, in the form required. The Servicer shall deliver copies of such reports to the Trustee. If the Trust acquires any Mortgaged Property as described above or otherwise in connection with a default or a default which is reasonably foreseeable on a Mortgage Loan, the Servicer shall dispose of such Mortgaged Property prior to the end of the third calendar year following the year of its acquisition by the Trust (such period, the "REO Disposition Period") unless (A) the Trustee shall have been supplied by the Servicer with an Opinion of Counsel to the effect that the holding by the Trust of such Mortgaged Property subsequent to the REO Disposition Period will not result in the imposition of taxes on "prohibited transactions" on either REMIC (as defined in Section 860F of the Code) or cause either REMIC to fail to qualify as a REMIC at any time that any Certificates of the related Group are outstanding, or (B) the Trustee (at the Servicer's expense) or the Servicer shall have applied for, prior to the expiration of the REO Disposition Period, an extension of the REO Disposition Period in the manner contemplated by Section 856(e)(3) of the Code. If such an Opinion of Counsel is provided or such an exemption is obtained, the Trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel) for the applicable period. Notwithstanding any other provision of this Agreement, no Mortgaged Property acquired by the Trust shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the Trust in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject either REMIC to the imposition of any federal, state or local income taxes on the income earned from such Mortgaged Property under Section 860G(c) of the Code or otherwise, unless the Servicer has agreed to indemnify and hold harmless the Trust with respect to the imposition of any such taxes. The Servicer shall identify to the Trustee any Mortgaged Property relating to a Mortgage Loan held by the Trust for 30 months for which no plans to dispose of such Mortgaged Property by the Servicer have been made. After delivery of such identification, the Servicer shall proceed to dispose of any such Mortgaged Property by holding a commercially reasonable auction for such property. The income earned from the management of any REO Properties, net of reimbursement to the Servicer for expenses incurred (including any property or other taxes) in connection with such management and net of unreimbursed Servicing Fees, Periodic Advances and Servicing Advances, shall be applied to the payment of principal of and interest on the related defaulted Mortgage Loans (solely for the purposes of allocating principal and interest, interest shall be treated as accruing as though such Mortgage Loans were still current) and all such income shall be deemed, for all purposes in this Agreement, to be payments on account of principal and interest on the related Mortgage Notes and shall be deposited into the Servicer Custodial Account. To the extent the net income received during any calendar month is in excess of the amount attributable to amortizing principal and accrued interest at the related Mortgage Interest Rate on the related Mortgage Loan for such calendar month, such excess shall be considered to be a partial prepayment of principal of the related Mortgage Loan. The proceeds from any liquidation of a Mortgage Loan, as well as any income from an REO Property, will be applied in the following order of priority: first, to reimburse the Servicer for any related unreimbursed Servicing Advances and Servicing Fees; second, to reimburse the Servicer for any unreimbursed Periodic Advances and to reimburse the Servicer Custodial Account for any Nonrecoverable Advances (or portions thereof) that were previously withdrawn by the Servicer pursuant to Section 3.11(a)(iii) that related to such Mortgage Loan; third, to accrued and unpaid interest (to the extent no Periodic Advance has been made for such amount or any such Periodic Advance has been reimbursed) on the Mortgage Loan or related REO Property, at the Mortgage Rate to the Due Date occurring in the month in which such amounts are required to be distributed; and fourth, as a recovery of principal of the Mortgage Loan. Excess Proceeds, if any, from the liquidation of a Liquidated Mortgage Loan will be retained by the Servicer as additional servicing compensation pursuant to Section 3.17. (b) The Servicer shall promptly notify the Depositor of any Mortgage Loan which comes into default. The Depositor shall be entitled, at its option, to repurchase (i) any such defaulted Mortgage Loan from the Trust Estate if (a) in the Depositor's judgment, the default is not likely to be cured by the Mortgagor and (b) such Mortgage Loan is 180 days or more delinquent or (ii) any Mortgage Loan in the Trust Estate which pursuant to Section 4(b) of the Mortgage Loan Purchase Agreement the Seller requests the Depositor to repurchase and to sell to the Seller to facilitate the exercise of the Seller's rights against the originator or prior holder of such Mortgage Loan. The purchase price for any such Mortgage Loan shall be 100% of the unpaid principal balance of such Mortgage Loan plus accrued interest thereon at the Mortgage Interest Rate (less the Servicing Fee Rate for such Mortgage Loan) through the last day of the month in which such repurchase occurs. Upon the receipt of such purchase price, the Servicer shall provide to the Trustee the notification required by Section 3.15 and the Trustee or the Custodian shall promptly release to the Depositor the Mortgage File relating to the Mortgage Loan being repurchased. Section 3.15 Trustee to Cooperate; Release of Mortgage Files. Upon the payment in full of any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Servicer will immediately notify the Trustee (or, at the direction of the Trustee, the Custodian) by delivering, or causing to be delivered, two copies (one of which will be returned to the Servicer with the Mortgage File) of a Request for Release (which may be delivered in an electronic format acceptable to the Trustee and the Servicer). Upon receipt of such request, the Trustee or the Custodian, as applicable, shall within seven Business Days release the related Mortgage File to the Servicer. The Trustee shall at the Servicer's direction execute and deliver to the Servicer the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, in each case provided by the Servicer, together with the Mortgage Note with written evidence of cancellation thereon. If the Mortgage has been recorded in the name of MERS or its designee, the Servicer shall take all necessary action to reflect the release of the Mortgage on the records of MERS. Expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the related Mortgagor. From time to time and as shall be appropriate for the servicing or foreclosure of any Mortgage Loan, including for such purpose collection under any policy of flood insurance, any fidelity bond or errors or omissions policy, or for the purposes of effecting a partial release of any Mortgaged Property from the lien of the Mortgage or the making of any corrections to the Mortgage Note or the Mortgage or any of the other documents included in the Mortgage File, the Trustee or the Custodian, as applicable, shall, upon delivery to the Trustee (or, at the direction of the Trustee, the Custodian) of a Request for Release signed by a Servicing Officer, release the Mortgage File within seven Business Days to the Servicer. Subject to the further limitations set forth below, the Servicer shall cause the Mortgage File so released to be returned to the Trustee or the Custodian, as applicable, when the need therefor by the Servicer no longer exists, unless the Mortgage Loan is liquidated and the proceeds thereof are deposited in the Servicer Custodial Account, in which case the Servicer shall deliver to the Trustee or the Custodian, as applicable, a Request for Release, signed by a Servicing Officer. The Trustee shall execute and deliver to the Servicer any powers of attorney and other documents prepared by the Servicer that are reasonably necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement, upon the request of the Servicer. In addition, upon prepayment in full of any Mortgage Loan or the receipt of notice that funds for such purpose have been placed in escrow, the Servicer is authorized to give, as attorney-in-fact for the Trustee and the mortgagee under the Mortgage, an instrument of satisfaction (or Assignment of Mortgage without recourse) regarding the Mortgaged Property relating to such Mortgage Loan, which instrument of satisfaction or Assignment of Mortgage, as the case may be, shall be delivered to the Person entitled thereto against receipt of the prepayment in full. If the Mortgage is registered in the name of MERS or its designee, the Servicer shall take all necessary action to reflect the release on the records of MERS. In lieu of executing such satisfaction or Assignment of Mortgage, or if another document is required to be executed by the Trustee, the Servicer may deliver or cause to be delivered to the Trustee, for signature, as appropriate, any court pleadings, requests for trustee's sale or other documents necessary to effectuate such foreclosure or any legal action brought to obtain judgment against the Mortgagor on the Mortgage Note or the Mortgage or to obtain a deficiency judgment or to enforce any other remedies or rights provided by the Mortgage Note or the Mortgage or otherwise available at law or in equity. Section 3.16 Documents, Records and Funds in Possession of the Servicer to be Held for the Trustee. The Servicer shall transmit to the Trustee or, at the direction of the Trustee, the Custodian as required by this Agreement all documents and instruments in respect of a Mortgage Loan coming into the possession of the Servicer from time to time and shall account fully to the Trustee for any funds received by the Servicer or which otherwise are collected by the Servicer as Liquidation Proceeds or Insurance Proceeds in respect of any Mortgage Loan. The documents constituting the Servicing File shall be held by the Servicer as custodian and bailee for the Trustee. All Mortgage Files and funds collected or held by, or under the control of, the Servicer in respect of any Mortgage Loans, whether from the collection of principal and interest payments or from Liquidation Proceeds, including but not limited to, any funds on deposit in the Servicer Custodial Account, shall be held by the Servicer for and on behalf of the Trustee and shall be and remain the sole and exclusive property of the Trustee, subject to the applicable provisions of this Agreement. The Servicer also agrees that it shall not knowingly create, incur or subject any Mortgage File or any funds that are deposited in the Servicer Custodial Account, Certificate Accounts or any Escrow Account, or any funds that otherwise are or may become due or payable to the Trustee for the benefit of the Certificateholders, to any claim, lien, security interest, judgment, levy, writ of attachment or other encumbrance created by the Servicer, or assert by legal action or otherwise any claim or right of setoff against any Mortgage File or any funds collected on, or in connection with, a Mortgage Loan, except, however, that the Servicer shall be entitled to set off against and deduct from any such funds any amounts that are properly due and payable to the Servicer under this Agreement. Section 3.17 Servicing Compensation. The Servicer shall be entitled out of each payment of interest on a Mortgage Loan (or portion thereof) and included in the Trust Estate to retain or withdraw from the Servicer Custodial Account an amount equal to the Servicing Fee for such Distribution Date. Additional servicing compensation in the form of Excess Proceeds, prepayment penalties, assumption fees, late payment charges and all income and gain net of any losses realized from Permitted Investments and all other customary and ancillary income and fees shall be retained by the Servicer to the extent not required to be deposited in the Servicer Custodial Account pursuant to Section 3.08(b). The Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder and shall not be entitled to reimbursement therefor except as specifically provided in this Agreement. Notwithstanding the foregoing, with respect to the payment of the Servicing Fee on any Distribution Date, the aggregate Servicing Fee for the Servicer relating to the Mortgage Loans in a Loan Group for such Distribution Date shall be reduced (but not below zero) by an amount equal to the lesser of (a) the Prepayment Interest Shortfall for such Distribution Date relating to the Mortgage Loans in such Loan Group and (b) one-twelfth of 0.25% of the aggregate Stated Principal Balance of the Mortgage Loans in such Loan Group for such Distribution Date (for each Loan Group any such reduction, "Compensating Interest"). Section 3.18 Annual Statement as to Compliance. The Servicer shall deliver to the Trustee and each Rating Agency on or before 90 days after the end of the Servicer's fiscal year, commencing with its 2001 fiscal year, an Officer's Certificate stating, as to the signer thereof, that (a) a review of the activities of the Servicer during the preceding calendar year and of the performance of the Servicer under this Agreement has been made under such officer's supervision, and (b) to the best of such officer's knowledge, based on such review, the Servicer has fulfilled all its obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof. Section 3.19 Annual Independent Public Accountants' Servicing Statement; Financial Statements. The Servicer shall, at its own expense, on or before 90 days after the end of the Servicer's fiscal year, commencing with its 2001 fiscal year, cause a firm of independent public accountants (who may also render other services to the Servicer or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee to the effect that such firm has with respect to the Servicer's overall servicing operations, examined such operations in accordance with the requirements of the Uniform Single Attestation Program for Mortgage Bankers, stating such firm's conclusions relating thereto. Section 3.20 Advances. The Servicer shall determine on or before each Servicer Advance Date whether it is required to make a Periodic Advance pursuant to the definition thereof. If the Servicer determines it is required to make a Periodic Advance, it shall, on or before the Servicer Advance Date, either (a) deposit into the Servicer Custodial Account an amount equal to the Advance and/or (b) make an appropriate entry in its records relating to the Servicer Custodial Account that any portion of the Amount Held for Future Distribution with respect to a Loan Group in the Servicer Custodial Account has been used by the Servicer in discharge of its obligation to make any such Periodic Advance on a Mortgage Loan in such Loan Group. Any funds so applied shall be replaced by the Servicer by deposit in the Servicer Custodial Account no later than the close of business on the Business Day preceding the next Servicer Advance Date. The Servicer shall be entitled to be reimbursed from the Servicer Custodial Account for all Advances of its own funds made pursuant to this Section 3.20 as provided in Section 3.11(a). The obligation to make Periodic Advances with respect to any Mortgage Loan shall continue until the ultimate disposition of the REO Property or Mortgaged Property relating to such Mortgage Loan. The Servicer shall inform the Trustee of the amount of the Periodic Advance to be made by the Servicer with respect to each Loan Group on each Servicer Advance Date no later than the related Remittance Date. The Servicer shall deliver to the Trustee on the related Servicer Advance Date an Officer's Certificate of a Servicing Officer indicating the amount of any proposed Periodic Advance determined by the Servicer to be a Nonrecoverable Advance. Notwithstanding anything to the contrary, the Servicer shall not be required to make any Periodic Advance or Servicing Advance that would be a Nonrecoverable Advance. Section 3.21 Modifications, Waivers, Amendments and Consents. (a) Subject to this Section 3.21, the Servicer may agree to any modification, waiver, forbearance, or amendment of any term of any Mortgage Loan without the consent of the Trustee or any Certificateholder. All modifications, waivers, forbearances or amendments of any Mortgage Loan shall be in writing and shall be consistent with Customary Servicing Procedures. (b) The Servicer shall not agree to enter into, and shall not enter into, any modification, waiver (other than a waiver referred to in Section 3.13, which waiver, if any, shall be governed by Section 3.13), forbearance or amendment of any term of any Mortgage Loan if such modification, waiver, forbearance, or amendment would: (i) affect the amount or timing of any related payment of principal, interest or other amount payable thereunder; (ii) in the Servicer's judgment, materially impair the security for such Mortgage Loan or reduce the likelihood of timely payment of amounts due thereon; or (iii) otherwise constitute a "significant modification" within the meaning of Treasury Regulations Section 1.860G-2(b); unless, in either case, (A) such Mortgage Loan is 90 days or more past due or (B) the Servicer delivers to the Trustee an Opinion of Counsel to the effect that such modification, waiver, forbearance or amendment would not affect the REMIC status of either REMIC and, in either case, such modification, waiver, forbearance or amendment is reasonably likely to produce a greater recovery with respect to such Mortgage Loan than would liquidation. Subject to Customary Servicing Procedures, the Servicer may permit a forbearance for a Mortgage Loan which in the Servicer's judgment is subject to imminent default. (c) Any payment of interest, which is deferred pursuant to any modification, waiver, forbearance or amendment permitted hereunder, shall not, for purposes hereof, including, without limitation, calculating monthly distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan or such modification, waiver or amendment so permit. (d) The Servicer may, as a condition to granting any request by a Mortgagor for consent, modification, waiver, forbearance or amendment, the granting of which is within the Servicer's discretion pursuant to the Mortgage Loan and is permitted by the terms of this Agreement, require that such Mortgagor pay to the Servicer, as additional servicing compensation, a reasonable or customary fee for the additional services performed in connection with such request, together with any related costs and expenses incurred by the Servicer, which amount shall be retained by the Servicer as additional servicing compensation. (e) The Servicer shall notify the Trustee, in writing, of any modification, waiver, forbearance or amendment of any term of any Mortgage Loan and the date thereof, and shall deliver to the Trustee (or, at the direction of the Trustee, the Custodian) for deposit in the related Mortgage File, an original counterpart of the agreement relating to such modification, waiver, forbearance or amendment, promptly (and in any event within ten Business Days) following the execution thereof; provided, however, that if any such modification, waiver, forbearance or amendment is required by applicable law to be recorded, the Servicer (i) shall deliver to the Trustee a copy thereof and (ii) shall deliver to the Trustee such document, with evidence of notification upon receipt thereof from the public recording office. Section 3.22 Reports to the Securities and Exchange Commission. The Trustee shall, on behalf of the Trust, cause to be filed with the Securities and Exchange Commission any periodic reports required to be filed under the provisions of the Securities Exchange Act of 1934, as amended, and the rules and regulations of the Securities and Exchange Commission thereunder, for so long as any Certificates registered under the 1933 Act are outstanding (other than the Current Report on Form 8-K to be filed by the Depositor in connection with computational materials and the initial Current Report on Form 8-K to be filed by the Depositor in connection with the issuance of the Certificates). Upon the request of the Trustee, the Servicer and the Depositor shall cooperate with the Trustee in the preparation of any such report and shall provide to the Trustee in a timely manner all such information or documentation as the Trustee may reasonably request in connection with the performance of its duties and obligations under this Section. Section 3.23 Maintenance of the Rounding Accounts; Collections Thereunder. On or prior to the Closing Date, the Trustee shall establish a separate account (each, a "Rounding Account") with respect to each of the Special Retail Certificates, and Banc of America Securities LLC shall deposit $999.99 in each such Rounding Account. The Trustee shall maintain such accounts to provide, if needed, the applicable Rounding Amount (defined below) on any Distribution Date. If, on any Distribution Date, the Trustee determines that amounts are available out of the Pool Distribution Amount for Loan Group 1 (after giving effect to the last sentence of this paragraph) for distributions of principal on any Class of the Special Retail Certificates, and the aggregate amount allocable to such distributions of principal is not an amount equal to an integral multiple of $1,000, the Trustee shall withdraw from the applicable Rounding Account an amount which, when added to the amount allocable to such distributions of principal, would be an integral multiple of $1,000 (the "Rounding Amount"). On each Distribution Date prior to the earlier of (a) the Senior Credit Support Depletion Date for Group 1 and (b) the date on which any loss is allocated to any Class of the Special Retail Certificates, with respect to which the Trustee determines that amounts are available out of the Pool Distribution Amount for Loan Group 1 for distributions of principal on any Class of Special Retail Certificates, the aggregate amount allocable to such Class will be applied first to repay any funds withdrawn from the applicable Rounding Account on prior Distribution Dates which have not been repaid. Any amounts withdrawn by the Trustee from any Rounding Account shall be deposited in the Certificate Account for Group 1 for distribution to the Holders of the Special Retail Certificates as described in the preceding paragraph. On or promptly after the earlier of (i) the Senior Credit Support Depletion Date for Group 1 and (ii) the date on which any loss is allocated to any Class of the Special Retail Certificates, the Trustee shall remit to Banc of America Securities LLC any amounts remaining in the applicable Rounding Account. Amounts on deposit in the Rounding Accounts shall not be invested. Each Rounding Account established hereunder, to the extent that it constitutes a "reserve fund" for purposes of the REMIC Provisions, shall be an "outside reserve fund" as defined in Section 1.860G-2(h) of the Treasury Regulations, and in that regard (A) such Rounding Account shall be an outside reserve fund and not an asset of either of REMIC 1 or REMIC 2, (B) such Rounding Account shall be owned for federal tax purposes by Banc of America Securities LLC and Banc of America Securities LLC shall report all amounts of income, deduction, gain or loss accruing therefrom, and (C) amounts transferred by REMIC 1 to any Rounding Account shall be treated for all federal tax purposes as distributed by REMIC 1 to Banc of America Securities LLC. ARTICLE IV SERVICER'S CERTIFICATE Section 4.01 Servicer's Certificate. Each month, not later than 12:00 noon Eastern time on the Business Day following each Determination Date, the Servicer shall deliver to the Trustee, a Servicer's Certificate (in substance and format mutually acceptable to the Servicer and the Trustee) certified by a Servicing Officer setting forth the information necessary in order for the Trustee to perform its obligations under this Agreement. The Trustee may conclusively rely upon the information contained in a Servicer's Certificate for all purposes hereunder and shall have no duty to verify or re-compute any of the information contained therein. Each such statement shall be provided by the Trustee to any Holder of a Certificate upon request and shall also, to the extent available, include information regarding delinquencies on Mortgage Loans providing such statement, indicating the number and aggregate principal amount of Mortgage Loans which are either one, two, three or more than three months delinquent and the book value of any REO Property. ARTICLE V PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS; REMIC ADMINISTRATION Section 5.01 Distributions. On each Distribution Date, based solely on the information in the Servicer's Certificate, the Trustee shall distribute out of the applicable Certificate Account (to the extent funds are available therein) to each Certificateholder of record on the related Record Date (other than as provided in Section 10.01 respecting the final distribution) (a) by check mailed to such Certificateholder entitled to receive a distribution on such Distribution Date at the address appearing in the Certificate Register, or (b) upon written request by the Holder of a Regular Certificate (in the event such Certificateholder owns of record 100% of a Class of Certificates or holds Certificates of any Class having denominations aggregating $1,000,000 or more), by wire transfer or by such other means of payment as such Certificateholder and the Trustee shall agree upon, such Certificateholder's Percentage Interest in the amount to which the related Class of Certificates is entitled in accordance with the priorities set forth below in Section 5.02; provided, however, that distributions of principal to the Special Retail Certificates shall be made as described in Section 5.09. None of the Holders of any Class of Certificates, the Depositor, the Servicer or the Trustee shall in any way be responsible or liable to Holders of any Class of Certificates in respect of amounts properly previously distributed on any such Class. Amounts distributed with respect to any Class of Certificates shall be applied first to the distribution of interest thereon and then to principal thereon. Section 5.02 Priorities of Distributions. (a) On each Distribution Date, based solely on the information contained in the Servicer's Certificate, the Trustee shall withdraw from the applicable Certificate Account (to the extent funds are available therein) (1) the amounts payable to the Trustee pursuant to Sections 3.11(b)(i) and 3.11(b)(ii) and shall pay such funds to itself, and (2) the Pool Distribution Amount for each Loan Group, in an amount as specified in written notice received by the Trustee from the Servicer no later than the related Determination Date, and shall apply such funds from the related Certificate Account to distributions on the Certificates in the Related Group in the following order of priority and to the extent of such funds, paying Group 1 solely from the Pool Distribution Amount for Loan Group 1 and Group 2 solely from the Pool Distribution Amount for Loan Group 2: (i) to each Class of Senior Certificates (other than the Class A-PO Certificates) of such Group, an amount allocable to interest equal to the Interest Distribution Amount for such Class and any shortfall being allocated among such Classes in proportion to the amount of the Interest Distribution Amount that would have been distributed in the absence of such shortfall; provided, however, that until the applicable Accretion Termination Date, amounts that would have been distributed pursuant to this clause to the Class 1-A-3 or Class 1-A-30 Certificates will instead be distributed in reduction of the Class Certificate Balances of the Classes of Certificates of Group 1 specified in Section 5.02(b)(i); (ii) concurrently to the Class A Certificates (other than the Class A-PO Certificates) of such Group and the Class A-PO Certificates of such Group, pro rata, based on their respective Senior Principal Distribution Amount and PO Principal Amount, (A) to the Class A Certificates (other than the Class A-PO Certificates) of such Group, in an aggregate amount up to the Senior Principal Distribution Amount for such Group, such distribution to be allocated among such Classes in accordance with Section 5.02(b) and (B) to the Class A-PO Certificates of such Group in an aggregate amount up to the PO Principal Amount for such Group; (iii) to the Class A-PO Certificates of such Group, any Class A-PO Deferred Amount, up to the Subordinate Principal Distribution Amount for such Group for such Distribution Date from amounts otherwise distributable first to the Class 1-B-6 Certificates or Class 2-B-6 Certificates, as the case may be, pursuant to clause (iv)(L) below, second to the Class 1-B-5 Certificates or Class 2-B-5 Certificates, as the case may be, pursuant to clause (iv)(J) below, third to the Class 1-B-4 Certificates or Class 2-B-4 Certificates, as the case may be, pursuant to clause (iv)(H) below, fourth to the Class 1-B-3 Certificates or Class 2-B-3 Certificates, as the cases may be, pursuant to clause (iv)(F) below, fifth to the Clause 1-B-2 Certificates or Class 2-B-2 Certificates, as the case may be, pursuant to clause (iv)(D) below and finally to the Class 1-B-1 Certificates or Class 2-B-1 Certificates, as the case may be, pursuant to clause (iv)(B) below; (iv) to each Class of Subordinate Certificates of such Group, subject to paragraph (d) below, in the following order of priority: (A) to the Class 1-B-1 Certificates or Class 2-B-1 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (B) to the Class 1-B-1 Certificates or Class 2-B-1 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; (C) to the Class 1-B-2 Certificates or Class 2-B-2 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (D) to the Class 1-B-2 Certificates or Class 2-B-2 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; (E) to the Class 1-B-3 Certificates or Class 2-B-3 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (F) to the Class 1-B-3 Certificates or Class 2-B-3 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; (G) to the Class 1-B-4 Certificates or Class 2-B-4 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (H) to the Class 1-B-4 Certificates or Class 2-B-4 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; (I) to the Class 1-B-5 Certificates or Class 2-B-5 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (J) to the Class 1-B-5 Certificates or Class 2-B-5 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; (K) to the Class 1-B-6 Certificates or Class 2-B-6 Certificates, as the case may be, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; and (L) to the Class 1-B-6 Certificates or Class 2-B-6 Certificates, as the case may be, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date less any amount used to pay the Class A-PO Deferred Amount of the Class A-PO Certificates of such Group pursuant to clause (iii) above until the Class Certificate Balance thereof has been reduced to zero; and (v) The Holder of the Class 1-A-R and Class 2-A-R Certificates shall receive any remaining Pool Distribution Amounts for the Related Loan Group. For any Group and on any Distribution Date, amounts distributed in respect of Class A-PO Deferred Amounts will not reduce the Class Certificate Balance of the applicable Class of Class A-PO Certificates. All distributions in respect of the Interest Distribution Amount for a Class will be applied first with respect to the amount payable pursuant to clause (i) of the definition of "Interest Distribution Amount," and second with respect to the amount payable pursuant to clause (ii) of such definition. (b) (i) With respect to the Class A Certificates of Group 1: (A) On each Distribution Date occurring prior to the Accretion Termination Date for the Class 1-A-3 Certificates, the Class 1-A-3 Accrual Distribution Amount will be allocated, sequentially, as follows: first, to the Class 1-A-1 Certificates, until their Class Certificate Balance has been reduced to zero; and second, to the Class 1-A-3 Certificates, until their Class Certificate Balance has been reduced to zero. (B) On each Distribution Date occurring prior to the Accretion Termination Date for the Class 1-A-30 Certificates, the Class 1-A-30 Accrual Distribution Amount will be allocated, sequentially, as follows: first, to the Class 1-A-29 Certificates, until their Class Certificate Balance has been reduced to zero; and second, to the Class 1-A-30 Certificates, until their Class Certificate Balance has been reduced to zero. (C) On each Distribution Date prior to the Senior Credit Support Depletion Date for Group 1, the amount distributable to the Group 1-A Certificates (other than the Class 1-A-PO Certificates) pursuant to Section 5.02(a)(ii) for such Distribution Date, will be distributed in the following order of priority: first, to the Class 1-A-R Certificate, until its Class Certificate Balance has been reduced to zero; second, concurrently, as follows: (a) 60.02493080%, sequentially, as follows: (i) to the Class 1-A-5 Certificates, up to the Priority Amount for such Distribution Date, until their Class Certificate Balance has been reduced to zero; (ii) concurrently, as follows: (1) 52.37231585%, sequentially, to the Class 1-A-1 and Class 1-A-3 Certificates, in that order, until their Class Certificate Balances have been reduced to zero; (2) 17.11010352% to the Class 1-A-2 Certificates, until their Class Certificate Balance has been reduced to zero; and (3) 30.51758063%, sequentially, to the Class 1-A-32 and Class 1-A-33 Certificates, in that order, until their Class Certificate Balances have been reduced to zero; (iii) concurrently, as follows: (1) 42.42401444% to the Class 1-A-4 Certificates, until their Class Certificate Balance has been reduced to zero; (2) 5.95613903% to the Class 1-A-11 Certificates, until their Class Certificate Balance has been reduced to zero; and (3) 51.61984652%, sequentially, to the Class 1-A-6, Class 1-A-7, Class 1-A-8, Class 1-A-9 and Class 1-A-10 Certificates, in that order, until their Class Certificate Balances have been reduced to zero; and (iv) to the Class 1-A-5 Certificates, until their Class Certificate Balance has been reduced to zero; and (b) 39.97506920%, sequentially, as follows: (i) to the PAC Group, up to the PAC Principal Amount for such Distribution Date; (ii) concurrently, 7.14285807% to the Class 1-A-31 Certificates, until their Class Certificate Balance has been reduced to zero and 92.85714193%, sequentially, as follows: (1) sequentially, to the Class 1-A-16 and Class 1-A-19 Certificates, in that order, until their Class Certificate Balances have been reduced to zero; (2) concurrently, to the Class 1-A-12 and Class 1-A-17 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; (3) concurrently, to the Class 1-A-13 and Class 1-A-21 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; (4) concurrently, to the Class 1-A-14 and Class 1-A-18 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; and (5) concurrently, as follows: (A) 44.03604469%, concurrently, to the Class 1-A-15 and Class 1-A-20 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; (B) 40.17924997%, sequentially, as follows: (I) concurrently, to the Class 1-A-25 and Class 1-A-26 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; and (II) concurrently, to the Class 1-A-27 and Class 1-A-28 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; and (C) 15.78470534%, concurrently, to the Class 1-A-22, Class 1-A-23 and Class 1-A-24 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; and (iii) concurrently, to the PAC Group. (ii) With respect to the Class A Certificates of Group 2: On each Distribution Date prior to the Senior Credit Support Depletion Date for Group 2, the amount distributable to the Group 2-A Certificates (other than the Class 2-A-PO Certificates) pursuant to Section 5.02(a)(ii) for such Distribution Date, will be distributed in the following order of priority: first, to the Class 2-A-R Certificate, until its Class Certificate Balance has been reduced to zero; and second, concurrently, to the Class 2-A-1 and Class 2-A-2 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero. Prior to the Senior Credit Support Depletion Date for Group 1, all distributions of principal to the PAC Group will be made sequentially to the Class 1-A-29 Certificates and Class 1-A-30 Certificates, in that order, until their Class Certificate Balances have been reduced to zero. On each Distribution Date on or after the Senior Credit Support Depletion Date, for a Group notwithstanding the allocation and priority set forth above, the portion of the Pool Distribution Amount with respect to a Loan Group available to be distributed as principal of the Class A Certificates of the Related Group (other than the Class A-PO Certificates of such Group) shall be distributed concurrently, as principal, on such Classes, pro rata, on the basis of their respective Class Certificate Balances, until the Class Certificate Balances thereof are reduced to zero. (c) On each Distribution Date, Accrued Certificate Interest for each Class of Certificates of a Group for such Distribution Date shall be reduced by such Class's pro rata share, based on such Class's Interest Distribution Amount for such Distribution Date, without taking into account the allocation made by this Section 5.02(c), of (A) Non-Supported Interest Shortfalls for the Related Loan Group, (B) any Excess Losses on the Mortgage Loans in such Loan Group allocable to interest, (C) on and after the Senior Credit Support Depletion Date for such Group, any other Realized Loss on the Mortgage Loans in such Loan Group allocable to interest and (D) Relief Act Reductions incurred on the Mortgage Loans in such Loan Group during the calendar month preceding the month of such Distribution Date. (d) Notwithstanding the priority and allocation contained in Section 5.02(a)(iv), if with respect to any Class of Subordinate Certificates of a Group on any Distribution Date, (i) the aggregate of the Class Certificate Balances immediately prior to such Distribution Date of all Classes of Subordinate Certificates of such Group which have a higher numerical Class designation than such Class, divided by (ii) the aggregate Class Certificate Balance of all the Certificates (other than the Class A-PO Certificates) of such Group immediately prior to such Distribution Date (for each Group, the "Fractional Interest") is less than the Original Fractional Interest for such Class, no distribution of principal will be made to any Classes of such Group junior to such Class (for each Group, the "Restricted Classes") and the Class Certificate Balances of the Restricted Classes of such Group will not be used in determining the Pro Rata Share for the Subordinate Certificates of such Group that are not Restricted Classes. If the aggregate Class Certificate Balances of the Subordinate Certificates of such Group that are not Restricted Classes are reduced to zero, notwithstanding the previous sentence, any funds remaining will be distributed sequentially to the Restricted Classes of such Group in order of their respective numerical Class designations (beginning with the Class of Restricted Certificates of the Related Group then outstanding with the lowest numerical Class designation). Section 5.03 Allocation of Losses. (a) On or prior to each Determination Date, the Servicer shall inform the Trustee in writing with respect to each Mortgage Loan: (1) whether any Realized Loss is a Deficient Valuation, a Debt Service Reduction, a Fraud Loss or a Special Hazard Loss, (2) of the amount of such loss or Deficient Valuation, or of the terms of such Debt Service Reduction and (3) of the total amount of Realized Losses on the Mortgage Loans in each Loan Group. Based on such information, the Trustee shall determine the total amount of Realized Losses on the Mortgage Loans in each Loan Group, including Excess Losses, with respect to the related Distribution Date. The principal portion of Realized Losses on the Mortgage Loans in a Loan Group with respect to any Distribution Date shall be allocated as follows: (i) the applicable PO Percentage of the principal portion of any Realized Loss with respect to a Discount Mortgage Loan in such Loan Group, including any Excess Loss, shall be allocated to the Class A-PO Certificates of the Related Group until the Class Certificate Balance thereof is reduced to zero; and (ii) the applicable Non-PO Percentage of the principal portion of any Realized Loss (other than an Excess Loss) with respect to a Mortgage Loan in such Loan Group shall be allocated first to the Subordinate Certificates of the Related Group in reverse order of their respective numerical Class designations (beginning with the Class of Subordinate Certificates of the Related Group then outstanding with the highest numerical Class designation) until the respective Class Certificate Balance of each such Class is reduced to zero, and second to the Senior Certificates (other than the Class A-PO Certificates) of the Related Group, pro rata, on the basis of their respective Class Certificate Balances immediately prior to the related Distribution Date or, in the case of a Class of Accrual Certificates, the Initial Class Certificate Balance, if lower, until the Class Certificate Balances thereof have been reduced to zero; and (iii) the applicable Non-PO Percentage of the principal portion of any Excess Losses with respect to a Mortgage Loan in such Loan Group shall be allocated pro rata among the Senior Certificates of the Related Group (other than the Class A-PO Certificates) in the aggregate on the basis of their aggregate principal balance and among the Classes of Subordinate Certificates of the Related Group on the basis of their respective Class Certificate Balances immediately prior to the related Distribution Date. Excess Losses allocated to the Senior Certificates (other than the Class A-PO Certificates) of the Related Group, will be allocated among such Classes pro rata on the basis of their respective Class Certificate Balances, or in the case of a Class of Accrual Certificates, the Initial Class Certificate Balance, if lower. (b) The Class Certificate Balance of the Class of Subordinate Certificates of a Group then outstanding with the highest numerical Class designation shall be reduced on each Distribution Date by the amount, if any, by which the aggregate of the Class Certificate Balances of all outstanding Classes of Certificates of such Group (after giving effect to the amount to be distributed as a distribution of principal and the allocation of Realized Losses and Class A-PO Deferred Amounts on such Distribution Date) exceeds the Adjusted Pool Amount for the Related Loan Group for such Distribution Date. After the Senior Credit Support Depletion Date for a Group, the Class Certificate Balances of the Senior Certificates of such Group in the aggregate (other than the Class Certificate Balance of the Class A-PO Certificates of such Group) shall be reduced on each Distribution Date by the amount, if any, by which the aggregate of the Class Certificate Balances of all outstanding Classes of Senior Certificates (other than Class A-PO Certificates) of such Group (after giving effect to the amount to be distributed as a distribution of principal and the allocation of Realized Losses on such Distribution Date) exceeds the difference between (i) the Adjusted Pool Amount for the Related Loan Group for such Distribution Date and (ii) the Adjusted Pool Amount (PO Portion) for the Related Loan Group for such Distribution Date. Any such reduction shall be allocated among the Senior Certificates (other than the Class A-PO Certificates) of such Group, based on the Class Certificate Balances immediately prior to such Distribution Date or, in the case of a Class of Accrual Certificates, the Initial Class Certificate Balance, if lower. The Class Certificate Balance of the Class A-PO Certificates of a Group shall be reduced on each Distribution Date by the amount, if any, by which the Class Certificate Balance of such Class A-PO Certificates (after giving effect to the amount to be distributed as a distribution of principal and the allocation of Realized Losses on such Distribution Date) exceeds the Adjusted Pool Amount (PO Portion) for the Related Loan Group for such Distribution Date. (c) Any Realized Loss allocated to a Class of Certificates or any reduction in the Class Certificate Balance of a Class of Certificates pursuant to Section 5.03(b) above shall be allocated among the Certificates of such Class in proportion to their respective Percentage Interests. (d) Any allocation of Realized Losses to a Class of Certificates or any reduction in the Class Certificate Balance of a Class pursuant to Section 5.03(b) above shall be accomplished by reducing the Class Certificate Balance thereof prior to the distributions made on the related Distribution Date in accordance with the definition of "Class Certificate Balance." (e) After the Senior Credit Support Depletion Date, on any Distribution Date on which the Class 2-A-2 Loss Allocation Amount is greater than zero, the Class Certificate Balance of the Class 2-A-2 Certificates will be reduced by the Class 2-A-2 Loss Allocation Amount and, notwithstanding Section 5.03(a)(ii) and Section 5.03(b), the Class Certificate Balance of the Class 2-A-1 Certificates will not be reduced by the Class 2-A-2 Loss Allocation Amount. Section 5.04 Statements to Certificateholders. (a) Prior to the Distribution Date in each month, based upon the information provided to the Trustee on the Servicer's Certificates delivered to the Trustee pursuant to Section 4.01, the Trustee shall determine the following information with respect to such Distribution Date: (i) for each Group, the amount allocable to principal, separately identifying the aggregate amount of any Principal Prepayments and Liquidation Proceeds included therein; (ii) for each Group, the amount allocable to interest, the Accrual Distribution Amounts with respect to the Accrual Certificates, any Class Unpaid Interest Shortfall included in such distribution and any remaining Class Unpaid Interest Shortfall after giving effect to such distribution; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall and the allocation thereof as between principal and interest; (iv) the Class Certificate Balance of each Class of Certificates after giving effect to the distribution of principal on such Distribution Date; (v) for each Loan Group, the Pool Stated Principal Balance for the following Distribution Date; (vi) for each Group, the Senior Percentage, the Priority Percentage and Subordinate Percentage for the following Distribution Date; (vii) the amount of the Servicing Fee paid to or retained by the Servicer with respect to each Loan Group and such Distribution Date; (viii) the Pass-Through Rate for each such Class of Certificates with respect to such Distribution Date; (ix) for each Loan Group, the amount of Periodic Advances included in the distribution on such Distribution Date and the aggregate amount of Periodic Advances outstanding as of the close of business on such Distribution Date; (x) for each Loan Group, the number and aggregate principal amounts of Mortgage Loans (A) delinquent (exclusive of Mortgage Loans in foreclosure) (1) 1 to 30 days (2) 31 to 60 days (3) 61 to 90 days and (4) 91 or more days and (B) in foreclosure, as of the close of business on the last day of the calendar month preceding such Distribution Date; (xi) for each Loan Group, with respect to any Mortgage Loan that became an REO Property during the preceding calendar month, the loan number and Stated Principal Balance of such Mortgage Loan as of the close of business on the Determination Date preceding such Distribution Date and the date of acquisition thereof; (xii) for each Loan Group, the total number and principal balance of any REO Properties (and market value, if available) as of the close of business on the Determination Date preceding such Distribution Date; (xiii) for each Group, the Senior Prepayment Percentage and the Subordinate Prepayment Percentage for the following Distribution Date; (xiv) for each Loan Group, the aggregate amount of Realized Losses incurred during the preceding calendar month and for each Group, any Class A-PO Deferred Amounts for such Distribution Date; and (xv) for each Loan Group, the Special Hazard Loss Amount, the Fraud Loss Amount and the Bankruptcy Loss Amount, in each case as of the related Determination Date. (b) No later than each Distribution Date, the Trustee, based upon information supplied to it on the Servicer's Certificates, shall prepare and deliver (by mail, fax or electronically) to each Holder of a Certificate, each Rating Agency and the Servicer a statement setting forth the information set forth in Section 5.04(a). In the case of information furnished pursuant to clauses (i), (ii) and (ix) of Section 5.04(a), the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. On each Distribution Date, the Trustee shall prepare and furnish to each Financial Market Service, in electronic or such other format and media mutually agreed upon by the Trustee, the Financial Market Service and the Depositor, the information contained in the statement described in Section 5.04(a) for such Distribution Date. The Trustee may make available each month, to any interested party, the monthly statement to Certificateholders via the Trustee's website. Within a reasonable period of time after the end of each calendar year, the Trustee shall furnish to each Person who at any time during the calendar year was the Holder of a Certificate, if requested in writing by such Person, a statement containing the information set forth in clauses (i), (ii) and (vii) of Section 5.04(a), in each case aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Trustee pursuant to any requirements of the Code as from time to time in force. The Trustee shall deliver to the Holders of Certificates any reports or information the Trustee is required by this Agreement or the Code, Treasury Regulations or REMIC Provisions to deliver to the Holders of Certificates, and the Trustee shall prepare and provide to the Certificateholders (by mail, telephone, or publication as may be permitted by applicable Treasury Regulations) such other reasonable information as the Trustee deems necessary or appropriate or is required by the Code, Treasury Regulations, and the REMIC Provisions including, but not limited to, (i) information to be reported to the Holders of the Residual Certificates for quarterly notices on Schedule Q (Form 1066) (which information shall be forwarded to the Holders of the Residual Certificates by the Trustee), (ii) information to be provided to the Holders of Certificates with respect to amounts which should be included as interest and original issue discount in such Holders' gross income and (iii) information to be provided to all Holders of Certificates setting forth the percentage of each REMIC's assets, determined in accordance with Treasury Regulations using a convention, not inconsistent with Treasury Regulations, selected by the Trustee in its absolute discretion, that constitute real estate assets under Section 856 of the Code, and assets described in Section 7701(a)(19)(C) of the Code; provided, however, that in setting forth the percentage of such assets of each REMIC, nothing contained in this Agreement, including without limitation Section 7.03 hereof, shall be interpreted to require the Trustee periodically to appraise the fair market values of the assets of the Trust Estate or to indemnify the Trust Estate or any Certificateholders from any adverse federal, state or local tax consequences associated with a change subsequently required to be made in the Depositor's initial good faith determinations of such fair market values (if subsequent determinations are required pursuant to the REMIC Provisions) made from time to time. Section 5.05 Tax Returns and Reports to Certificateholders. (a) For federal income tax purposes, each REMIC shall have a calendar year taxable year and shall maintain its books on the accrual method of accounting. (b) The Trustee shall prepare or cause to be prepared, shall execute and shall file or cause to be filed with the Internal Revenue Service and applicable state or local tax authorities income tax information returns for each taxable year with respect to each REMIC containing such information at the times and in the manner as may be required by the Code, the Treasury Regulations or state or local tax laws, regulations, or rules, and shall furnish or cause to be furnished to each REMIC and the Certificateholders the schedules, statements or information at such times and in such manner as may be required thereby. Within 30 days of the Closing Date, the Trustee shall furnish or cause to be furnished to the Internal Revenue Service, on Form 8811 or as otherwise required by the Code or the Treasury Regulations, the name, title, address and telephone number of the person that Holders of the Certificates may contact for tax information relating thereto, together with such additional information at the time or times and in the manner required by the Code or the Treasury Regulations. Such federal, state, or local income tax or information returns shall be signed by the Trustee, or such other Person as may be required to sign such returns by the Code, the Treasury Regulations or state or local tax laws, regulations, or rules. (c) In the first federal income tax return of each REMIC for its short taxable year ending December 31, 2001, REMIC status shall be elected for such taxable year and all succeeding taxable years. (d) The Trustee will maintain or cause to be maintained such records relating to each REMIC, including but not limited to records relating to the income, expenses, assets and liabilities of the Trust Estate, and the initial fair market value and adjusted basis of the Trust Estate property and assets determined at such intervals as may be required by the Code or the Treasury Regulations, as may be necessary to prepare the foregoing returns, schedules, statements or information. Section 5.06 Tax Matters Person. Each Tax Matters Person shall have the same duties with respect to REMIC 1 and Remic 2 as those of a "tax matters partner" under Subchapter C of Chapter 63 of Subtitle F of the Code. The Holders of the Class 1-A-R and Class 2-A-R Certificates are hereby designated as the Tax Matters Person for REMIC 1 and Remic 2, respectively. By its acceptance of the Class 1-A-R or Class 2-A-R Certificate, such Holder irrevocably appoints the Trustee as its agent to perform all of the duties of the Tax Matters Person for the related REMIC. Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee. The Trustee shall afford the Tax Matters Person, upon reasonable notice during normal business hours, access to all records maintained by the Trustee in respect of its duties hereunder and access to officers of the Trustee responsible for performing such duties. Upon request, the Trustee shall furnish the Tax Matters Person with its most recent report of condition published pursuant to law or to the requirements of its supervisory or examining authority publicly available. The Trustee shall make available to the Tax Matters Person such books, documents or records relating to the Trustee's services hereunder as the Tax Matters Person shall reasonably request. The Tax Matters Person shall not have any responsibility or liability for any action or failure to act by the Trustee and is not obligated to supervise the performance of the Trustee under this Agreement or otherwise. Section 5.08 REMIC Related Covenants. For as long as the Trust shall exist, the Trustee, the Depositor and the Servicer shall act in accordance herewith to assure continuing treatment of the Trust Estate as two REMICs and avoid the imposition of tax on the REMICs. In particular: (a) The Trustee shall not create, or permit the creation of, any "interests" in either REMIC within the meaning of Code Section 860D(a)(2) other than the interests represented by the Regular Certificates and the Residual Certificate of such REMIC. (b) Except as otherwise provided in the Code, (i) the Depositor and the Servicer shall not contribute to the Trust Estate and the Trustee shall not accept property unless substantially all of the property held in either REMIC constitutes either "qualified mortgages" or "permitted investments" as defined in Code Sections 860G(a)(3) and (5), respectively, and (ii) no property shall be contributed to each REMIC after the start-up day unless such contribution would not subject the Trust Estate to the 100% tax on contributions to a REMIC after the start-up day of the REMIC imposed by Code Section 860G(d). (c) The Trustee shall not accept on behalf of either REMIC any fee or other compensation for services and neither the Trustee nor the Servicer shall knowingly accept, on behalf of the Trust Estate any income from assets other than those permitted to be held by a REMIC. (d) The Trustee shall not sell or permit the sale of all or any portion of the Mortgage Loans (other than in accordance with Sections 2.02, 2.04 or 3.14(b)), unless such sale is pursuant to a "qualified liquidation" of the applicable REMIC as defined in Code Section 860F(a)(4)(A) and in accordance with Article X. (e) The Trustee shall maintain books with respect to the Trust and each REMIC on a calendar year taxable year and on an accrual basis. Neither the Servicer nor the Trustee shall engage in a "prohibited transaction" (as defined in Code Section 860F(a)(2)), except that, with the prior written consent of the Servicer and the Depositor, the Trustee may engage in the activities otherwise prohibited by the foregoing paragraphs (b), (c) and (d); provided that the Servicer shall have delivered to the Trustee an Opinion of Counsel to the effect that such transaction will not result in the imposition of a tax on either REMIC and will not disqualify either REMIC from treatment as a REMIC; and, provided further, that the Servicer shall have demonstrated to the satisfaction of the Trustee that such action will not adversely affect the rights of the Holders of the Certificates and the Trustee and that such action will not adversely impact the rating of the Certificates. Section 5.09 Principal Distributions on the Special Retail Certificates. Prior to the earlier of (1) the Senior Credit Support Depletion Date for Group 1 and (2) the date on which any Realized Loss is allocated to any Class of Special Retail Certificates, distributions in reduction of the Class Certificate Balance of such Class will be made in integral multiples of $1,000 at the request of the appropriate representatives of Deceased Holders of Certificates of each such Class and at the request of Living Holders of Certificates of each such Class or by mandatory distributions, pursuant to Section 5.09(a) and Section 5.09(d). On and after the earlier of (A) the Senior Credit Support Depletion Date for Group 1 and (B) the date on which any Realized Loss is allocated to any Class of Special Retail Certificates, distributions in reduction of the Class Certificate Balances of such Class will be made on a pro rata basis pursuant to Section 5.09(e). (a) Except as set forth in Section 5.09(e), on each Distribution Date on which principal distributions to any Class of the Special Retail Certificates are made, such distributions will be made in the following priority: (i) first, to requesting Deceased Holders, in the order in which such requests are received by the Depository, but not exceeding an aggregate amount of $100,000 for each requesting Deceased Holder; and (ii) second, to requesting Living Holders, in the order in which such requests are received by the Depository, but not exceeding an aggregate amount of $10,000 for each requesting Living Holder. Thereafter, distributions will be made, with respect to such Class of the Special Retail Certificates, as provided in clauses (i) and (ii) above, up to a second $100,000 and $10,000, respectively. This sequence of priorities will be repeated until all requests for principal distributions by Deceased Holders and Living Holders of such Class have been honored, to the extent of amounts available for principal distributions to the Holders of such Class. All requests for principal distributions to Special Retail Certificates will be accepted in accordance with the provisions set forth in Section 5.09(c). Requests for principal distributions that are received by the Trustee after the related Record Date and requests for principal distributions received in a timely manner but not accepted with respect to any Distribution Date, will be treated as requests for principal distributions to the Special Retail Certificates on the next succeeding Distribution Date, and each succeeding Distribution Date thereafter, until each such request is accepted or is withdrawn as provided in Section 5.09(c). Such requests that are not withdrawn shall retain their order of priority without the need for any further action on the part of the appropriate Certificate Owner of the related Special Retail Certificate, all in accordance with the procedures of the Depository and the Trustee. Upon the transfer of beneficial ownership of any Special Retail Certificate, any distribution request previously submitted with respect to such Certificate will be deemed to have been withdrawn only upon the receipt by the Trustee on or before the Record Date for such Distribution Date of notification of such withdrawal in the manner set forth in Section 5.09(c) using a form required by the Depository. Distributions in reduction of the Class Certificate Balance of any Class of Special Retail Certificates will be applied in an amount equal to the portion of the Senior Principal Distribution Amount for Group 1 allocable to such Class pursuant to Section 5.02, plus any amounts available for distribution from the applicable Rounding Account established as provided in Section 3.23, provided that the aggregate distribution of principal to such Class on any Distribution Date shall be made in an integral multiple of $1,000. To the extent that the portion of the Senior Principal Distribution Amount for Group 1 allocable to any Class of Special Retail Certificates on any Distribution Date exceeds the aggregate Class Certificate Balance of that Class of Special Retail Certificates with respect to which principal distribution requests have been received, principal distributions in reduction of the Class Certificate Balance of such Class will be made by mandatory distribution pursuant to Section 5.09(d). (b) A Special Retail Certificate shall be deemed to be held by a Deceased Holder for purposes of this Section 5.09 if the death of the Certificate Owner thereof is deemed to have occurred. Special Retail Certificates beneficially owned by tenants by the entirety, joint tenants or tenants in common will be considered to be beneficially owned by a single owner. The death of a tenant by the entirety, joint tenant or tenant in common will be deemed to be the death of the Certificate Owner. Special Retail Certificates beneficially owned by a trust will be considered to be beneficially owned by each beneficiary of the trust to the extent of such beneficiary's beneficial interest therein, but in no event will a trust's beneficiaries collectively be deemed to be Certificate Owners of a number of Special Retail Certificates greater than the number of Special Retail Certificates of which such trust is the owner. The death of a beneficiary of a trust will be deemed to be the death of a Certificate Owner of the Special Retail Certificates beneficially owned by the trust to the extent of such beneficiary's beneficial interest in such trust. The death of an individual who was a tenant by the entirety, joint tenant or tenant in common in a tenancy which is the beneficiary of a trust will be deemed to be the death of the beneficiary of such trust. The death of an individual who, during his or her lifetime, was entitled to substantially all of the beneficial ownership interests in a Special Retail Certificate will be deemed to be the death of the Certificate Owner of such Special Retail Certificate regardless of the registration of ownership, if such beneficial ownership interest can be established to the satisfaction of the Trustee. Such beneficial interest will be deemed to exist in typical cases of street name or nominee ownership, ownership by a trustee, ownership under the Uniform Gifts to Minors Act and community property or other joint ownership arrangements between a husband and wife. Beneficial interest shall include the power to sell, transfer or otherwise dispose of a Special Retail Certificate and the right to receive the proceeds therefrom, as well as interest and principal distributions, as applicable, payable with respect thereto. The Trustee shall not be under any duty to determine independently the occurrence of the death of any deceased Certificate Owner. The Trustee may rely entirely upon documentation delivered to it pursuant to Section 5.09(c) in establishing the eligibility of any Certificate Owner to receive the priority accorded Deceased Holders in Section 5.09(a). (c) Requests for principal distributions to the Certificate Owner of any Special Retail Certificate must be made by delivering a written request therefor to the Depository Participant or Indirect Depository Participant that maintains the account evidencing such Certificate Owner's interest in such Certificate. In the case of a request on behalf of a Deceased Holder, appropriate evidence of death and any tax waivers are required to be forwarded to the Trustee under separate cover. The Depository Participant should in turn make the request of the Depository (or, in the case of an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant of such request, which Depository Participant should make the request of the Depository) in the manner required under the rules and regulations of the Depository's APUT System. Upon receipt of such request, the Depository will date and time stamp such request and forward such request to the Trustee. The Depository may establish such procedures as it deems fair and equitable to establish the order of receipt of requests for such distributions received by it on the same day. None of the Depositor, the Servicer or the Trustee shall be liable for any delay in delivery of requests for distributions or withdrawals of such requests by the Depository, a Depository Participant or any Indirect Depository Participant. The Trustee shall maintain a list of those Depository Participants representing the appropriate Certificate Owners of Special Retail Certificates that have submitted requests for principal distributions, together with the order of receipt and the amounts of such requests. Subject to the priorities described in Section 5.09(a) above, the Depository will honor requests for distributions in the order of their receipt. The Trustee shall notify the Depository as to which requests should be honored on each Distribution Date at least two Business Days prior to such Distribution Date and shall notify the Depository as to the portion of the Senior Principal Distribution Amount (together with any amounts available for distribution from the applicable Rounding Account) to be distributed to the Special Retail Certificates by mandatory distribution pursuant to Section 5.09(d). Requests shall be honored by the Depository in accordance with the procedures, and subject to the priorities and limitations, described in this Section 5.09. The exact procedures to be followed by the Trustee and the Depository for purposes of determining such priorities and limitations will be those established from time to time by the Trustee or the Depository, as the case may be. The decisions of the Trustee and the Depository concerning such matters will be final and binding on all affected Persons. Special Retail Certificates that have been accepted for a distribution shall be due and payable on the applicable Distribution Date. Such Certificates shall cease to bear interest after the last day of the calendar month preceding the month in which such Distribution Date occurs. Any Certificate Owner of a Special Retail Certificate that has requested a principal distribution may withdraw its request by so notifying in writing the Depository Participant or Indirect Depository Participant that maintains such Certificate Owner's account. If such account is maintained by an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant which in turn must forward the withdrawal of such request, in the manner required under the rules and regulations of the Depository's APUT System, to the Depository to be forwarded to the Trustee. If such notice of withdrawal of a request for distribution has not been received by the Depository and forwarded to the Trustee on or before the Record Date for the next Distribution Date, the previously made request for a principal distribution will be irrevocable with respect to the making of principal distributions on such Distribution Date. If any requests for principal distributions are rejected by the Trustee for failure to comply with the requirements of this Section 5.09, the Trustee shall return such request to the appropriate Depository Participant with a copy to the Depository with an explanation as to the reason for such rejection. (d) If principal distributions to be made to any Class of the Special Retail Certificates on a Distribution Date exceed the aggregate amount of principal distribution requests for such Class which have been received on or before the applicable Record Date, as provided in Section 5.09(a) above, additional Special Retail Certificates of such Class will be selected to receive mandatory principal distributions in lots equal to $1,000 in accordance with the then-applicable random lot procedures of the Depository, and the then-applicable procedures of the Depository Participants and Indirect Depository Participants representing the Certificate Owners (which procedures may or may not be by random lot). The Trustee shall notify the Depository of the aggregate amount of the mandatory principal distribution to be made on the next Distribution Date. The Depository shall then allocate such aggregate amount among the Depository Participants on a random lot basis. Each Depository Participant and, in turn, each Indirect Depository Participant will then select, in accordance with its own procedures, Special Retail Certificates of such Class from among those held in its accounts to receive mandatory principal distributions, such that the total amount of principal distributed to the Special Retail Certificates of such Class so selected is equal to the aggregate amount of such mandatory distributions allocated to such Depository Participant by the Depository and to such Indirect Depository Participant by its related Depository Participant, as the case may be. Depository Participants and Indirect Depository Participants that hold Special Retail Certificates of such Class selected for mandatory principal distributions are required to provide notice of such mandatory distributions to the affected Certificate Owners. (e) Notwithstanding any provisions herein to the contrary, on each Distribution Date on and after the earlier of (i) the Senior Credit Support Depletion Date for Group 1 and (ii) the date on which any Realized Loss is allocated to any Class of Special Retail Certificates, distributions in reduction of the Class Certificate Balance of such Class will be made pro rata among the Certificate Owners of the Certificates of such Class and will not be made in integral multiples of $1,000 or pursuant to requests for distribution as permitted by Section 5.09(a) or by mandatory distributions as provided for by Section 5.09(d). (f) In the event that Definitive Certificates representing the Special Retail Certificates are issued pursuant to Section 6.02(c)(iii), an amendment to this Agreement, which may be approved without the consent of any Certificateholders, shall establish procedures relating to the manner in which distributions in reduction of the Class Certificate Balance of each Class of the Special Retail Certificates are to be made; provided that such procedures shall be consistent, to the extent practicable and customary for certificates similar to the Special Retail Certificates, with the provisions of this Section 5.09. Section 5.10 Determination of LIBOR. On each Rate Determination Date for a Class of LIBOR Certificates, the Trustee shall determine LIBOR for the applicable Distribution Date on the basis of the British Bankers' Association ("BBA") "Interest Settlement Rate" for one-month deposits in U.S. Dollars as found on Telerate page 3750 as of 11:00 A.M. London time on such Rate Determination Date. As used herein, "Telerate page 3750" means the display designated as page 3750 on the Bridge Telerate Service. If on any Rate Determination Date for a Class of LIBOR Certificates, the Trustee is unable to determine LIBOR on the basis of the method set forth in the preceding paragraph, LIBOR for the applicable Distribution Date will be whichever is higher of (x) LIBOR as determined on the previous Rate Determination Date for such Class of LIBOR Certificates or (y) the Reserve Interest Rate. The "Reserve Interest Rate" will be the rate per annum which the Trustee determines to be either (A) the arithmetic mean (rounding such arithmetic mean upwards if necessary to the nearest whole multiple of 1/16%) of the one-month U.S. Dollar lending rates that New York City banks selected by the Trustee are quoting, on the relevant Rate Determination Date, to the principal London offices of at least two leading banks in the London interbank market or (B) in the event that the Trustee can determine no such arithmetic mean, the lowest one-month U.S. Dollar lending rate that the New York City banks selected by the Trustee are quoting on such Rate Determination Date to leading European banks. If on any Rate Determination Date for a Class of LIBOR Certificates, the Trustee is required but is unable to determine the Reserve Interest Rate in the manner provided in the preceding paragraph, LIBOR for the applicable Distribution Date will be LIBOR as determined on the previous Rate Determination Date for such Class of LIBOR Certificates, or, in the case of the first Rate Determination Date, the Initial LIBOR Rate. The establishment of LIBOR by the Trustee and the Trustee's subsequent calculation of the rates of interest applicable to each of the LIBOR Certificates in the absence of manifest error, will be final and binding. After a Rate Determination Date, the Trustee shall provide the Pass-Through Rates of the LIBOR Certificates for the related Distribution Date to Beneficial Owners or Holders of LIBOR Certificates who place a telephone call to the Trustee at (212) 815-7162 and make a request therefor. ARTICLE VI THE CERTIFICATES Section 6.01 The Certificates. The Classes of Senior Certificates and the Subordinate Certificates shall be substantially in the forms set forth in Exhibits A-1-A-1, A-1-A-2, A-1-A-3, A-1-A-4, A-1-A-5, A-1-A-6, A-1-A-7, A-1-A-8, A-1-A-9, A-1-A-10, A-1-A-11, A-1-A-12, A-1-A-13, A-1-A-14, A-1-A-15, A-1-A-16, A-1-A-17, A-1-A-18, A-1-A-19, A-1-A-20, A-1-A-21, A-1-A-22, A-1-A-23, A-1-A-24, A-1-A-25, A-1-A-26, A-1-A-27, A-1-A-28, A-1-A-29, A-1-A-30, A-1-A-31, A-1-A-32, A-1-A-33, A-1-A-PO, A-1-A-R, A-2-A-1, A-2-A-2, A-2-A-PO, A-2-A-R, B-1-B-1, B-1-B-2, B-1-B-3, B-1-B-4, B-1-B-5, B-1-B-6, B-2-B-1, B-2-B-2, B-2-B-3, B-2-B-4, B-2-B-5 and B-2-B-6 and C (reverse of all Certificates) and shall, on original issue, be executed by the Trustee and shall be countersigned and delivered by the Trustee to or upon the order of the Depositor upon receipt by the Trustee of the documents specified in Section 2.01. The Senior Certificates (other than the Class 1-A-17, Class 1-A-18, Class 1-A-20, Class 1-A-21, Class 1-A-26, Class 1-A-28, Class 1-A-PO, 1-A-R, Class 2-A-PO and Class 2-A-R Certificates) shall be available to investors in interests representing minimum dollar Certificate Balances of $1,000 and integral multiples of $1 in excess thereof. The Subordinate Certificates and the Class 1-A-PO Certificates shall be available to investors in interests representing minimum dollar Certificate Balances of $25,000 and integral dollar multiples of $1 in excess thereof (except one Certificate of such Class may be issued with a different Certificate Balance). The Class 1-A-17, Class 1-A-18, Class 1-A-20, Class 1-A-21, Class 1-A-26 and Class 1-A-28 Certificates shall be available to investors in interests representing minimum dollar Certificate Balances of $1,000 and integral dollar multiples of $1,000 in excess thereof. The Class 1-A-R and Class 2-A-R Certificates shall be in a minimum denomination of $100. The Class 2-A-PO Certificates shall be issued in a minimum denomination of $9,374. The Senior Certificates (other than the Class 1-A-R and Class 2-A-R Certificates) and the Class 1-B-1, Class 1-B-2, Class 1-B-3, Class 2-B-1, Class 2-B-2 and Class 2-B-3 Certificates shall initially be issued in book-entry form through the Depository and delivered to the Depository or, pursuant to the Depository's instructions on behalf of the Depository to, and deposited with, the Certificate Custodian, and all other Classes of Certificates shall initially be issued in definitive, fully-registered form. The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer or signatory. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures were affixed, authorized to sign on behalf of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to be so authorized prior to the execution and delivery of such Certificates or did not hold such offices or positions at the date of such Certificate. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless such Certificate shall have been manually countersigned by the Trustee substantially in the form provided for herein, and such countersignature upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their countersignature. Section 6.02 Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at an office or agency in the city in which the Corporate Trust Office of the Trustee is located a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee shall initially serve as Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. (b) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class, tenor and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange, the Trustee shall execute and the Trustee shall authenticate, countersign and deliver the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or its attorney duly authorized in writing. (c) (i) Except as provided in paragraph (c)(iii) below, the Book-Entry Certificates shall at all times remain registered in the name of the Depository or its nominee and at all times: (A) registration of the Certificates may not be transferred by the Trustee except to another Depository; (B) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Book-Entry Certificates; (C) ownership and transfers of registration of the Book-Entry Certificates on the books of the Depository shall be governed by applicable rules established by the Depository; (D) the Depository may collect its usual and customary fees, charges and expenses from its Depository Participants; (E) the Trustee shall deal with the Depository as the representative of the Certificate Owners of the Book-Entry Certificates for purposes of exercising the rights of Holders under this Agreement, and requests and directions for and votes of the Depository shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; and (F) the Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners. (ii) All transfers by Certificate Owners of Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall only transfer Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. (iii) If (A) (1) the Depository or the Depositor advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository, and (2) the Trustee or the Depositor is unable to locate a qualified successor, (B) the Depositor at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, (C) after the occurrence of an Event of Default or (D) in the event the Depository is unable to make the pro rata distributions required by Section 5.09(e), Certificate Owners representing at least 51% of the aggregate Class Certificate Balances of the Book-Entry Certificates together advise the Trustee and the Depository through the Depository Participants in writing that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate Owners, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of definitive, fully-registered Certificates (the "Definitive Certificates") to Certificate Owners requesting the same. Upon surrender to the Trustee of the related Class of Certificates by the Depository (or by the Certificate Custodian, if it holds such Class on behalf of the Depository), accompanied by the instructions from the Depository for registration, the Trustee shall issue the Definitive Certificates. None of the Servicer, the Depositor or the Trustee shall be liable for any delay in delivery of such instruction and may conclusively rely on, and shall be protected in relying on, such instructions. The Depositor shall provide the Trustee with an adequate inventory of certificates to facilitate the issuance and transfer of Definitive Certificates. Upon the issuance of Definitive Certificates, the Trustee shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (d) No transfer of a Private Certificate shall be made unless such transfer is exempt from the registration requirements of the 1933 Act and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless such transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached hereto as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached hereto either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Depositor shall provide to any Holder of a Private Certificate and any prospective transferees designated by any such Holder, information regarding the related Certificates and the Mortgage Loans and such other information as shall be necessary to satisfy the condition to eligibility set forth in Rule 144A(d)(4) for transfer of any such certificate without registration thereof under the 1933 Act pursuant to the registration exemption provided by Rule 144A. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. (e) No transfer of an ERISA Restricted Certificate shall be made unless the transferee delivers to the Trustee either (i) a representation letter in the form of Exhibit H from the transferee of such Certificate, which representation letter shall not be an expense of the Depositor, the Trustee or the Servicer, or (ii) in the case of any ERISA Restricted Certificate presented for registration in the name of an employee benefit plan or arrangement, including an individual retirement account, subject to ERISA, the Code, or any federal, state or local law ("Similar Law") which is similar to ERISA or the Code (collectively, a "Plan"), or a trustee or custodian of any of the foregoing, an Opinion of Counsel in form and substance satisfactory to the Trustee and the Servicer to the effect that the purchase or holding of such ERISA Restricted Certificate by or on behalf of such Plan will not result in the assets of the Trust Estate being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA, the Code or Similar Law and will not subject the Trustee, the Depositor or the Servicer to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee or the Servicer. Any transferee of an ERISA Restricted Certificate that does not comply with either clause (i) or (ii) of the preceding sentence will be deemed to have made one of the representations set forth in Exhibit H. Notwithstanding anything else to the contrary herein, any purported transfer of an ERISA Restricted Certificate to or on behalf of a Plan without the delivery to the Trustee and the Servicer of an Opinion of Counsel satisfactory to the Trustee and the Servicer as described above shall be void and of no effect. Neither the Trustee nor the Certificate Registrar shall have any liability for transfers of Book-Entry Certificates made through the book-entry facilities of the Depository or between or among any Depository Participants or Certificate Owners, made in violation of applicable restrictions. The Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and Persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners. To the extent permitted under applicable law (including, but not limited to, ERISA), the Trustee shall be under no liability to any Person for any registration of transfer of any ERISA Restricted Certificate that is in fact not permitted by this Section 6.02 or for making any payments due on such Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of this Agreement so long as the transfer was registered by the Trustee in accordance with the foregoing requirements. (f) Each Person who has or who acquires any Ownership Interest in a Residual Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions, and the rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly subject to the following provisions: (i) Each Person holding or acquiring any Ownership Interest in a Residual Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. (ii) No Person shall acquire an Ownership Interest in a Residual Certificate unless such Ownership Interest is a pro rata undivided interest. (iii) In connection with any proposed transfer of any Ownership Interest in a Residual Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I hereto from the proposed transferee. (iv) Notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in a Residual Certificate to such proposed transferee shall be effected. (v) No Ownership Interest in a Residual Certificate may be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds such Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form W-8ECI (or successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes. (vi) Any attempted or purported transfer of any Ownership Interest in a Residual Certificate in violation of the provisions of this Section 6.02 shall be absolutely null and void and shall vest no rights in the purported transferee. If any purported transferee shall, in violation of the provisions of this Section 6.02, become a Holder of a Residual Certificate, then the prior Holder of such Residual Certificate that is a Permitted Transferee shall, upon discovery that the registration of transfer of such Residual Certificate was not in fact permitted by this Section 6.02, be restored to all rights as Holder thereof retroactive to the date of registration of transfer of such Residual Certificate. The Trustee shall be under no liability to any Person for any registration of transfer of a Residual Certificate that is in fact not permitted by this Section 6.02 or for making any distributions due on such Residual Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of the Agreement so long as the transfer was registered in accordance with this Section 6.02. The Trustee shall be entitled to recover from any Holder of a Residual Certificate that was in fact not a Permitted Transferee at the time such distributions were made all distributions made on such Residual Certificate. Any such distributions so recovered by the Trustee shall be distributed and delivered by the Trustee to the prior Holder of such Residual Certificate that is a Permitted Transferee. (vii) If any Person other than a Permitted Transferee acquires any Ownership Interest in a Residual Certificate in violation of the restrictions in this Section 6.02, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. The expenses of the Trustee under this clause (vii) shall be reimbursable by the Trust. (viii) No Ownership Interest in a Residual Certificate shall be acquired by a Plan or any Person acting on behalf of a Plan. (g) [Reserved] (h) No service charge shall be imposed for any transfer or exchange of Certificates of any Class, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. (i) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates. If (a) any mutilated Certificate is surrendered to the Certificate Registrar or the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (b) there is delivered to the Trustee, the Depositor and the Certificate Registrar such security or indemnity reasonably satisfactory to each, to save each of them harmless, then, in the absence of actual notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall countersign and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 6.04 Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Depositor, the Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 5.01 and for all other purposes whatsoever, and none of the Depositor, the Servicer, the Trustee, the Certificate Registrar or any agent of the Servicer, the Trustee or the Certificate Registrar shall be affected by notice to the contrary. ARTICLE VII THE DEPOSITOR AND THE SERVICER Section 7.01 Respective Liabilities of the Depositor and the Servicer. The Depositor and the Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Depositor and the Servicer herein. By way of illustration and not limitation, the Depositor is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 8.01 to assume any obligations of the Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 7.02 Merger or Consolidation of the Depositor or the Servicer. The Depositor and the Servicer will each keep in full effect its existence, rights and franchises as a separate entity under the laws governing its organization, and will each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. Any Person into which the Depositor or the Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Depositor or the Servicer shall be a party, or any Person succeeding to the business of the Depositor or the Servicer, shall be the successor of the Depositor or the Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Servicer shall be qualified to service mortgage loans on behalf of FNMA or FHLMC. Section 7.03 Limitation on Liability of the Depositor, the Servicer and Others. None of the Depositor, the Servicer or any of the directors, officers, employees or agents of the Depositor or of the Servicer shall be under any liability to the Trust Estate or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Depositor, the Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Depositor, the Servicer and any director, officer, employee or agent of the Depositor or the Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Depositor, the Servicer and any director, officer, employee or agent of the Depositor or the Servicer shall be indemnified by the Trust Estate and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither of the Depositor nor the Servicer shall be under any obligation to appear in, prosecute or defend any legal action which is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Depositor or the Servicer may in its discretion undertake any such action which it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Estate, and the Depositor and the Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Servicer Custodial Account as provided by Section 3.11. Section 7.04 Depositor and Servicer Not to Resign. Subject to the provisions of Section 7.02, neither the Depositor nor the Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Depositor or the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation by the Servicer shall become effective until the Trustee or a successor Servicer shall have assumed the Servicer's responsibilities and obligations in accordance with Section 8.05 hereof. ARTICLE VIII DEFAULT Section 8.01 Events of Default. If any one of the following events ("Events of Default") shall occur and be continuing: (a) any failure by the Servicer to deposit amounts in the Servicer Custodial Account in the amount and manner provided herein so as to enable the Trustee to distribute to Holders of Certificates any payment required to be made under the terms of such Certificates and this Agreement (other than the payments required to be made under Section 3.20) which continues unremedied for a period of five days; or (b) failure on the part of the Servicer duly to observe or perform in any material respect any other covenants or agreements of the Servicer set forth in the Certificates or in this Agreement, which covenants and agreements continue unremedied for a period of 30 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by the Trustee or the Depositor, or to the Servicer, the Depositor and the Trustee by the Holders of Certificates evidencing Voting Rights aggregating not less than 25% of all Certificates affected thereby; or (c) the entry of a decree or order by a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a conservator, receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings against the Servicer, or for the winding up or liquidation of the Servicer's affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; or (d) the consent by the Servicer to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings of or relating to the Servicer or of or relating to substantially all of its property; or the Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or (e) the failure of the Servicer to remit any Periodic Advance required to be remitted by the Servicer pursuant to Section 3.20 which failure continues unremedied at 3:00 p.m. on the related Distribution Date; then, and in each and every such case, so long as an Event of Default shall not have been remedied by the Servicer, either the Trustee or the Depositor may, and at the direction of the Holders of Certificates evidencing Voting Rights aggregating not less than 51% of all Certificates affected thereby shall, by notice then given in writing to the Servicer (and to the Trustee, if given by the Depositor, and to the Depositor, if given by the Trustee), terminate all of the rights and obligations of the Servicer under this Agreement. If an Event of Default described in clause (e) hereof shall occur, the Trustee shall, by notice to the Servicer, terminate all of the rights and obligations of the Servicer under this Agreement and in and to the Mortgage Loans and proceeds thereof and the Trustee or a successor Servicer appointed pursuant to Section 8.05 shall make the Advance which the Servicer failed to make. On or after the receipt by the Servicer of such written notice, all authority and power of the Servicer under this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section 8.01, unless and until such time as the Trustee shall appoint a successor Servicer pursuant to Section 8.05, and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of the Mortgage Loans and related documents, or otherwise, including, without limitation, the recordation of the assignments of the Mortgage Loans to it. The Servicer agrees to cooperate with the Trustee in effecting the termination of the responsibilities and rights of the Servicer hereunder, including, without limitation, the transfer to the Trustee for the administration by it of all cash amounts that have been deposited by the Servicer in the Servicer Custodial Account or thereafter received by the Servicer with respect to the Mortgage Loans. Upon obtaining notice or knowledge of the occurrence of any Event of Default, the Person obtaining such notice or knowledge shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register and to each Rating Agency. All costs and expenses (including attorneys' fees) incurred in connection with transferring the Mortgage Files to the successor Servicer and amending this Agreement to reflect such succession as Servicer pursuant to this Section 8.01 shall be paid by the predecessor Servicer. Notwithstanding the termination of the Servicer pursuant hereto, the Servicer shall remain liable for any causes of action arising out of any Event of Default occurring prior to such termination. Section 8.02 Remedies of Trustee. During the continuance of any Event of Default, so long as such Event of Default shall not have been remedied, the Trustee, in addition to the rights specified in Section 8.01, shall have the right, in its own name as trustee of an express trust, to take all actions now or hereafter existing at law, in equity or by statute to enforce its rights and remedies and to protect the interests, and enforce the rights and remedies, of the Certificateholders (including the institution and prosecution of all judicial, administrative and other proceedings and the filing of proofs of claim and debt in connection therewith). Except as otherwise expressly provided in this Agreement, no remedy provided for by this Agreement shall be exclusive of any other remedy, and each and every remedy shall be cumulative and in addition to any other remedy and no delay or omission to exercise any right or remedy shall impair any such right or remedy or shall be deemed to be a waiver of any Event of Default. Section 8.03 Directions by Certificateholders and Duties of Trustee During Event of Default. During the continuance of any Event of Default, Holders of Certificates evidencing Voting Rights aggregating not less than 25% of each Class of Certificates affected thereby may direct the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee under this Agreement; provided, however, that the Trustee shall be under no obligation to pursue any such remedy, or to exercise any of the trusts or powers vested in it by this Agreement (including, without limitation, (a) the conducting or defending of any administrative action or litigation hereunder or in relation hereto, and (b) the terminating of the Servicer or any successor Servicer from its rights and duties as servicer hereunder) at the request, order or direction of any of the Certificateholders, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby and, provided further, that, subject to the provisions of Section 9.01, the Trustee shall have the right to decline to follow any such direction if the Trustee, based upon an Opinion of Counsel, determines that the action or proceeding so directed may not lawfully be taken or if the Trustee in good faith determines that the action or proceeding so directed would involve it in personal liability or be unjustly prejudicial to the non-assenting Certificateholders. Section 8.04 Action upon Certain Failures of the Servicer and upon Event of Default. In the event that the Trustee shall have actual knowledge of any failure of the Servicer specified in Section 8.01(a) or (b) which would become an Event of Default upon the Servicer's failure to remedy the same after notice, the Trustee shall give notice thereof to the Servicer. If the Trustee shall have knowledge of an Event of Default, the Trustee shall give prompt written notice thereof to the Certificateholders. Section 8.05 Trustee to Act; Appointment of Successor. (a) On and After the time the Servicer receives a notice of termination pursuant to Section 8.01, the Trustee shall be the successor in all respects to the Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Servicer by the terms and provisions hereof or shall appoint a successor pursuant to Section 3.07. Notwithstanding anything provided herein to the contrary, under no circumstances shall any provision of this Agreement be construed to require the Trustee, acting in its capacity as successor to the Servicer in its obligation to make Advances, to advance, expend or risk its own funds or otherwise incur any financial liability in the performance of its duties hereunder if it shall have reasonable grounds for believing that such funds are non-recoverable. Subject to Section 8.05(b), as compensation therefor, the Trustee shall be entitled to such compensation as the terminated Servicer would have been entitled to hereunder if no such notice of termination had been given. Notwithstanding the above, the Trustee may, if it shall be unwilling so to act, or shall, if it is legally unable so to act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution having a net worth of not less than $10,000,000 as the successor to the terminated Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer hereunder; provided, however, that any such institution appointed as successor Servicer shall not, as evidenced in writing by each Rating Agency, adversely affect the then current rating of any Class of Certificates immediately prior to the termination of the terminated Servicer. The appointment of a successor Servicer shall not affect any liability of the predecessor Servicer which may have arisen under this Agreement prior to its termination as Servicer, nor shall any successor Servicer be liable for any acts or omissions of the predecessor Servicer or for any breach by the Servicer of any of its representations or warranties contained herein or in any related document or agreement. Pending appointment of a successor to the terminated Servicer hereunder, unless the Trustee is prohibited by law from so acting, the Trustee shall act in such capacity as provided above. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. (b) In connection with the appointment of a successor Servicer or the assumption of the duties of the Servicer, as specified in Section 8.05(a), the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans serviced by the predecessor Servicer as it and such successor agree; provided, however, that any Person assuming the duties of the Servicer shall pay to such predecessor an amount equal to the market value of the portion of the Servicing Fee that will accrue in the future due to the Servicing Fee Rate exceeding 0.25% per annum with respect to any Mortgage Loan. The "market value" of such portion of the Servicing Fee shall be determined by Bank of America, N.A., on the basis of at least two quotations from third parties actively engaged in the servicing of single-family mortgage loans. If the successor Servicer does not agree that such market value is a fair price, such successor shall obtain two quotations of market value from third parties actively engaged in the servicing of single-family mortgage loans. The market value of the excess portion of the Servicing Fee will then be equal to the average of (i) the lowest figure obtained by Bank of America, N.A., and (ii) the highest figure obtained by the successor Servicer. Payment of the amount calculated above shall be made to Bank of America, N.A., by the successor Servicer no later than the last Business Day of the month in which such successor Servicer becomes entitled to receive the Servicing Fee under this Agreement. In no event will any portion of the Trust Estate be used to pay amounts due to Bank of America, N.A. under this Section 8.05(b). (c) Any successor, including the Trustee, to the Servicer as servicer shall during the term of its service as servicer maintain in force (i) a policy or policies of insurance covering errors and omissions in the performance of its obligations as servicer hereunder and (ii) a fidelity bond in respect of its officers, employees and agents to the same extent as the Servicer is so required pursuant to Section 3.03. Section 8.06 Notification to Certificateholders. Upon any termination or appointment of a successor to the Servicer pursuant to this Article VIII, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register and to each Rating Agency. ARTICLE IX THE TRUSTEE Section 9.01 Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred of which a Responsible Officer of the Trustee shall have actual knowledge (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a reasonably prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement. (b) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own grossly negligent action, its own grossly negligent failure to act or its own willful misfeasance; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee by the Depositor or the Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee (in its individual capacity) shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was grossly negligent in ascertaining the pertinent facts; (iii) The Trustee (in its individual capacity) shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Certificateholders as provided in Section 8.03; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (a) and (b) of Section 8.01 or an Event of Default under clauses (c), (d) and (e) of Section 8.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or any officer of the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Servicer, the Depositor or any Certificateholder; and (v) Except to the extent provided in Section 8.05, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance as successor Servicer) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. Section 9.02 Certain Matters Affecting the Trustee. Except as otherwise provided in Section 9.01: (i) The Trustee may request and rely upon and shall be protected in acting or refraining from acting upon any resolution, Officer's Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii) The Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (iv) The Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement; (v) Prior to the occurrence of an Event of Default hereunder and after the curing or waiving of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing so to do by Holders or Certificate or any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability or payment of such estimated expenses as a condition to so proceeding; and (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys. Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of, and the counter-signature on the Certificates) shall be taken as the statements of the Depositor or Servicer, as applicable, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates or any Mortgage Loans save that the Trustee represents that, assuming due execution and delivery by the other parties hereto, this Agreement has been duly authorized, executed and delivered by it and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, subject, as to enforcement of remedies, to applicable insolvency, receivership, moratorium and other laws affecting the rights of creditors generally, and to general principles of equity and the discretion of the court (regardless of whether enforcement of such remedies is considered in a proceeding in equity or at law). The Trustee shall not be accountable for the use or application by the Depositor of funds paid to the Depositor in consideration of the assignment of the Mortgage Loans hereunder by the Depositor, or for the use or application of any funds paid to Subservicers or the Servicer in respect of the Mortgage Loans or deposited into the Servicer Custodial Account, or any other account hereunder (other than the Certificate Accounts) by the Servicer. The Trustee shall at no time have any responsibility or liability for or with respect to the legality, validity and enforceability of any Mortgage or any Mortgage Loan, or the perfection and priority of any Mortgage or the maintenance of any such perfection and priority or for or with respect to the sufficiency of the Trust or its ability to generate the payments to be distributed to Certificateholders under this Agreement, including, without limitation: the existence, condition and ownership of any Mortgaged Property; the existence and enforceability of any hazard insurance thereon (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the successor Servicer); the validity of the assignment of any Mortgage Loan to the Trustee or of any intervening assignment; the completeness of any Mortgage Loan; the performance or enforcement of any Mortgage Loan (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer); the compliance by the Depositor or the Servicer with any warranty or representation made under this Agreement or in any related document or the accuracy of any such warranty or representation; any investment of monies by or at the direction of the Servicer or any loss resulting therefrom, it being understood that the Trustee shall remain responsible for any Trust property that it may hold in its individual capacity; the acts or omissions of any of the Depositor, the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer), any Subservicer or any Mortgagor; any action of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer) or any Subservicer taken in the name of the Trustee; the failure of the Servicer or any Subservicer to act or perform any duties required of it as agent of the Trustee hereunder; or any action by the Trustee taken at the instruction of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer); provided, however, that the foregoing shall not relieve the Trustee of its obligation to perform its duties under this Agreement, including, without limitation, the Trustee's review of the Mortgage Files pursuant to Section 2.02. The Trustee shall file any financing or continuation statement in any public office at any time required to maintain the perfection of any security interest or lien granted to it hereunder. Section 9.04 Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee and may otherwise deal with the Servicer, any Subservicer or any of their respective affiliates with the same right it would have if it were not the Trustee. Section 9.05 Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be (a) an institution the deposits of which are fully insured by the FDIC and (b) a corporation or banking association organized and doing business under the laws of the United States of America or of any State, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of not less than $50,000,000 and subject to supervision or examination by Federal or State authority and (c) with respect to every successor trustee hereunder either an institution (i) the long-term unsecured debt obligations of which are rated at least "A" by S&P and "A" by Fitch or (ii) whose serving as Trustee hereunder would not result in the lowering of the ratings originally assigned to any Class of Certificates. The Trustee shall not be an affiliate of the Depositor or the Servicer. If such corporation or banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section 9.05, the combined capital and surplus of such corporation or banking association shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee shall cease to be eligible in accordance with the provision of this Section 9.05, the Trustee shall resign immediately in the manner and with the effect specified in Section 9.06. Section 9.06 Resignation and Removal of Trustee. The Trustee may at any time resign and be discharged from the trust hereby created by giving written notice thereof to the Servicer and mailing a copy of such notice to all Holders of record. The Trustee shall also mail a copy of such notice of resignation to each Rating Agency. Upon receiving such notice of resignation, the Servicer shall use their best efforts to promptly appoint a mutually acceptable successor Trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor Trustee. If no successor Trustee shall have been so appointed and shall have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee. If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 9.05 and shall fail to resign after written request therefor by the Servicer, or if at any time the Trustee shall become incapable of acting, or shall be adjudged a bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Servicer may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor. The Holders of Certificates evidencing not less than 50% of the Voting Rights may at any time remove the Trustee by written instrument or instruments delivered to the Servicer and the Trustee; the Servicer shall thereupon use their best efforts to appoint a mutually acceptable successor Trustee in accordance with this Section 9.06. Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 9.06 shall become effective upon acceptance of appointment by the successor Trustee as provided in Section 9.07. Section 9.07 Successor Trustee. Any successor Trustee appointed as provided in Section 9.06 shall execute, acknowledge and deliver to the Servicer and to its predecessor Trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor Trustee shall become effective and such successor Trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as Trustee herein. The predecessor Trustee shall duly assign, transfer, deliver and pay over to the successor Trustee the whole of the Mortgage Files and related documents and statements held by it hereunder, together with all instruments of transfer and assignment or other documents properly executed as may be reasonably required to effect such transfer and such of the records or copies thereof maintained by the predecessor Trustee in the administration hereof as may be reasonably requested by the successor Trustee and shall thereupon be discharged from all duties and responsibilities under this Agreement; provided, however, that if the predecessor Trustee has been terminated pursuant to the third paragraph of Section 9.06, all reasonable expenses of the predecessor Trustee incurred in complying with this Section 9.07 shall be reimbursed by the Trust. No successor Trustee shall accept appointment as provided in this Section 9.07 unless at the time of such appointment such successor Trustee shall be eligible under the provisions of Section 9.05. Upon acceptance of appointment by a successor Trustee as provided in this Section 9.07, the Servicer shall cooperate to mail notice of the succession of such Trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register and to each Rating Agency. If the Servicer fail to mail such notice within ten days after acceptance of appointment by the successor Trustee, the successor Trustee shall cause such notice to be mailed at the expense of the Servicer. Section 9.08 Merger or Consolidation of Trustee. Any corporation or banking association into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation or banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or banking association succeeding to all or substantially all of the corporate trust business of the Trustee, shall be the successor of the Trustee hereunder, if such corporation or banking association is eligible under the provisions of Section 9.05, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. Section 9.09 Appointment of Co-Trustee or Separate Trustee. Notwithstanding any of the provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any Mortgaged Property may at the time be located or for any other reason, the Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee as co-trustee or separate trustee of all or any part of the Trust Estate, and to vest in such Person or Persons, in such capacity, such title to the Trust Estate, or any part thereof, and, subject to the other provision of this Section 9.09, such powers, duties, obligations, rights and trusts as the Servicer and the Trustee may consider necessary or desirable. If the Servicer shall not have joined in such appointment within ten days after the receipt by it of a request to do so, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor Trustee under Section 9.05 and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 9.07. In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 9.09, all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Estate or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee. No trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; provided, however, that no appointment of a co-trustee or separate trustee hereunder shall relieve the Trustee of its obligations hereunder. Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article IX. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall become incapable of acting, resign or be removed, or shall be adjudged a bankrupt or insolvent, or a receiver of its property shall be appointed, or any public officer shall take charge or control of such trustee or co-trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. Section 9.10 Authenticating Agents. The Trustee may appoint one or more authenticating agents ("Authenticating Agents") which shall be authorized to act on behalf of the Trustee in authenticating or countersigning Certificates. Initially, the Authenticating Agent shall be The Bank of New York Wherever reference is made in this Agreement to the authentication or countersigning of Certificates by the Trustee or the Trustee's certificate of authentication or countersigning, such reference shall be deemed to include authentication or countersigning on behalf of the Trustee by an Authenticating Agent and a certificate of authentication or countersignature executed on behalf of the Trustee by an Authenticating Agent. Each Authenticating Agent must be acceptable to the Servicer and must be a corporation or banking association organized and doing business under the laws of the United States of America or of any State, having a principal office and place of business in New York, New York, having a combined capital and surplus of at least $15,000,000, authorized under such laws to do a trust business and subject to supervision or examination by Federal or State authorities. Any corporation or banking association into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any corporation or banking association resulting from any merger, conversion or consolidation to which any Authenticating Agent shall be a party, or any corporation or banking association succeeding to the corporate agency business of any Authenticating Agent, shall continue to be the Authenticating Agent without the execution or filing of any paper or any further act on the part of the Trustee or the Authenticating Agent. Any Authenticating Agent may at any time resign by giving written notice of resignation to the Trustee and to the Servicer. The Trustee may at any time terminate the agency of any Authenticating Agent by giving written notice of termination to such Authenticating Agent and to the Servicer. Upon receiving a notice of resignation or upon such a termination, or in case, at any time any Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section 9.10, the Trustee may appoint a successor Authenticating Agent, shall give written notice of such appointment to the Servicer and shall mail notice of such appointment to all Certificateholders. Any successor Authenticating Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Authenticating Agent. Section 9.11 Trustee's Fees and Expenses. The Trustee, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date an amount equal to the Trustee Fee for such Distribution Date pursuant to Section 5.02(a). The Trustee and any director, officer, employee or agent of the Trustee shall be indemnified by the Trust and held harmless against any loss, liability or expense (including reasonable attorney's fees) (a) incurred in connection with any claim or legal action relating to (i) this Agreement, (ii) the Certificates, or (iii) the performance of any of the Trustee's duties hereunder, other than any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of any of the Trustee's duties hereunder, (b) resulting from any tax or information return which was prepared by, or should have been prepared by, the Servicer and (c) arising out of the transfer of any Private Certificate not in compliance with ERISA. Such indemnity shall survive the termination of this Agreement or the resignation or removal of the Trustee hereunder. Without limiting the foregoing, except as otherwise agreed upon in writing by the Depositor and the Trustee, and except for any such expense, disbursement or advance as may arise from the Trustee's gross negligence, bad faith or willful misconduct, the Trust shall reimburse the Trustee for all reasonable expenses, disbursements and advances incurred or made by the Trustee in accordance with any of the provisions of this Agreement to the extent permitted by Treasury Regulations Section 1.860G-1(b)(3)(ii) and (iii); provided, however, that the Depositor and the Trustee intend to enter into a separate agreement for custody-related services. Except as otherwise provided herein, the Trustee shall not be entitled to payment or reimbursement for any routine ongoing expenses incurred by the Trustee in the ordinary course of its duties as Trustee, Certificate Registrar or Paying Agent hereunder or for any other expenses. Section 9.12 Appointment of Custodian. The Trustee may at any time on or after the Closing Date, with the consent of the Depositor and the Servicer, appoint one or more Custodians to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a custodial agreement in a form acceptable to the Depositor and the Servicer. Subject to this Article IX, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $10,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Section 9.13 Paying Agents. The Trustee may appoint one or more Paying Agents (each, a "Paying Agent") which shall be authorized to act on behalf of the Trustee in making withdrawals from the Certificate Accounts and distributions to Certificateholders as provided in Section 3.08 and Section 5.02. Wherever reference is made in this Agreement to the withdrawal from either Certificate Account by the Trustee, such reference shall be deemed to include such a withdrawal on behalf of the Trustee by a Paying Agent. Initially, the Paying Agent shall be The Bank of New York. Whenever reference is made in this Agreement to a distribution by the Trustee or the furnishing of a statement to Certificateholders by the Trustee, such reference shall be deemed to include such a distribution or furnishing on behalf of the Trustee by a Paying Agent. Each Paying Agent shall provide to the Trustee such information concerning the applicable Certificate Account as the Trustee shall request from time to time. Each Paying Agent must be reasonably acceptable to the Servicer and must be a corporation or banking association organized and doing business under the laws of the United States of America or of any state, having (except in the case of the Trustee) a principal office and place of business in New York, New York, having a combined capital and surplus of at least $15,000,000, authorized under such laws to do a trust business and subject to supervision or examination by federal or state authorities. Any corporation into which any Paying Agent may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which any Paying Agent shall be a party, or any corporation succeeding to the corporate agency business of any Paying Agent, shall continue to be the Paying Agent provided that such corporation after the consummation of such merger, conversion, consolidation or succession meets the eligibility requirements of this Section 9.13. Any Paying Agent may at any time resign by giving written notice of resignation to the Trustee and to the Servicer; provided that the Paying Agent has returned to the applicable Certificate Account or otherwise accounted, to the reasonable satisfaction of the Trustee, for all amounts it has withdrawn from such Certificate Account. The Trustee may, upon prior written approval of the Servicer, at any time terminate the agency of any Paying Agent by giving written notice of termination to such Paying Agent and to the Servicer. Upon receiving a notice of resignation or upon such a termination, or in case at any time any Paying Agent shall cease to be eligible in accordance with the provisions of the first paragraph of this Section 9.13, the Trustee may appoint, upon prior written approval of the Servicer, a successor Paying Agent, shall give written notice of such appointment to the Servicer and shall mail notice of such appointment to all Certificateholders. Any successor Paying Agent upon acceptance of its appointment hereunder shall become vested with all rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Paying Agent. The Trustee shall remain liable for any duties and obligations assumed by its appointed Paying Agent. Section 9.14 Limitation of Liability. The Certificates are executed by the Trustee, not in its individual capacity but solely as Trustee of the Trust, in the exercise of the powers and authority conferred and vested in it by this Agreement. Each of the undertakings and agreements made on the part of the Trustee in the Certificates is made and intended not as a personal undertaking or agreement by the Trustee but is made and intended for the purpose of binding only the Trust. Section 9.15 Trustee May Enforce Claims Without Possession of Certificates. All rights of action and claims under this Agreement or the Certificates may be prosecuted and enforced by the Trustee without the possession of any of the Certificates or the production thereof in any proceeding relating thereto, and such preceding instituted by the Trustee shall be brought in its own name or in its capacity as Trustee. Any recovery of judgment shall, after provision for the payment of the reasonable compensation, expenses, disbursement and advances of the Trustee, its agents and counsel, be for the ratable benefit of the Certificateholders in respect of which such judgment has been recovered. Section 9.16 Suits for Enforcement. In case an Event of Default or other default by the Servicer or the Depositor hereunder shall occur and be continuing, the Trustee, in its discretion, may proceed to protect and enforce its rights and the rights of the Holders of Certificates under this Agreement by a suit, action or proceeding in equity or at law or otherwise, whether for the specific performance of any covenant or agreement contained in this Agreement or in aid of the execution of any power granted in this Agreement or for the enforcement of any other legal, equitable or other remedy, as the Trustee, being advised by counsel, shall deem most effectual to protect and enforce any of the rights of the Trustee and the Certificateholders. Section 9.17 Waiver of Bond Requirement. The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee post a bond or other surety with any court, agency or body whatsoever. Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement. The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee file any inventory, accounting or appraisal of the Trust with any court, agency or body at any time or in any manner whatsoever. ARTICLE X TERMINATION Section 10.01 Termination upon Purchase by the Depositor or Liquidation of All Mortgage Loans. With respect to each Group of Certificates, subject to Section 10.02, the respective obligations and responsibilities of the Depositor, the Servicer and the Trustee created hereby (other than the obligation of the Trustee to make certain payments to Certificateholders after the Final Distribution Date for such Group and to send certain notices as hereinafter set forth and the obligations of the Trustee pursuant to Sections 5.04(b) and 5.05(b) with respect to such Group) shall terminate with respect to such Group and the Related Loan Group upon the last action required to be taken by the Trustee on the Final Distribution Date for such Group pursuant to this Article X following the earlier of (a) the purchase by the Depositor of all Mortgage Loans in such Loan Group and all REO Property relating to such Loan Group at a price equal to the sum of (i) 100% of the Stated Principal Balance of each Mortgage Loan in such Loan Group (other than any Mortgage Loan as to which REO Property has been acquired and whose fair market value is included pursuant to clause (ii) below) and (ii) the fair market value of such REO Property relating to such Loan Group (as determined by the Depositor as of the close of business on the third Business Day next preceding the date upon which notice of any such termination is furnished to Holders of Certificates of the Related Group pursuant to the fourth paragraph of this Article X), plus any Class Unpaid Interest Shortfall for any Class of Certificates of such Group as well as one month's interest at the related Mortgage Rate on the Stated Principal Balance of each Mortgage Loan in such Loan Group (including any Mortgage Loan as to which REO Property has been acquired) or (b) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan in such Loan Group the Trust Estate or the disposition of all REO Property relating to such Loan Group. Regardless of the foregoing, in no event shall the Trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof. The right of the Depositor to repurchase all of the Mortgage Loans in a Loan Group is conditioned upon the Pool Stated Principal Balance of the Mortgage Loans in such Loan Group as of such Final Distribution Date for the related Group being less than 10% of the Cut-off Date Pool Principal Balance for such Loan Group. If such right is exercised, the Trustee shall, promptly following payment of the purchase price, release to the Depositor or its designee the Mortgage Files pertaining to the Mortgage Loans being purchased. Notice of any termination, specifying the Final Distribution Date for the Related Group (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and for cancellation, shall be given promptly by the Depositor (if exercising its right to purchase the assets relating to a Loan Group) or by the Trustee (in any other case) by letter to Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying (1) the Final Distribution Date for the related Group upon which final payment of the Certificates will be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated, (2) the amount of any such final payment and (3) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Depositor is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Trustee and the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given by the Depositor, the Depositor shall deposit in the applicable Certificate Account on or before the Final Distribution Date for the Related Group in immediately available funds an amount equal to the amount necessary to make the amount, if any, on deposit in such Certificate Account on the Final Distribution Date for the Related Group equal to the purchase price for the related assets of the Loan Group computed as above provided together with a statement as to the amount to be distributed on each Class of Certificates pursuant to the next succeeding paragraph. Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to Certificateholders of each Class of the Group, in the order set forth in Section 5.02 hereof, on the Final Distribution Date for such Group and in proportion to their respective Percentage Interests, with respect to Certificateholders of the same Class, an amount equal to (I) as to each Class of Certificates, the Class Certificate Balance thereof plus (a) accrued interest thereon in the case of an interest bearing Certificate and (b) the applicable Class A-PO Deferred Amount with respect to the Class A-PO Certificates of such Group, and (II) as to the Class 1-A-R or Class 2-A-R Certificate, the amounts, if any, which remain on deposit in the related Certificate Account (other than the amounts retained to meet claims) after application pursuant to clause (I) above. If all of the Holders of the Certificates of such Group do not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date for such Group, the Trustee shall on such date cause all funds in the Certificate Account related to such Loan Group not distributed in final distribution to Certificateholders of such Group to continue to be held by the Trustee in an Eligible Account for the benefit of such Certificateholders and the Depositor (if it exercised its right to purchase the assets of the Loan Group) or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within one year after the second notice all the applicable Certificates shall not have been surrendered for cancellation, the Trustee may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Certificateholders concerning surrender of their Certificates, and the cost thereof shall be paid out of the funds on deposit in such Eligible Account. Section 10.02 Additional Termination Requirements. (a) If the Depositor exercises its purchase option as provided in Section 10.01 for a Loan Group, such Loan Group shall be terminated in accordance with the following additional requirements, unless the Trustee has received an Opinion of Counsel to the effect that the failure of the Trust to comply with the requirements of this Section 10.02 will not (i) result in the imposition of taxes on "prohibited transactions" of the Trust as defined in Section 860F of the Code, or (ii) cause REMIC 1 or REMIC 2 to fail to qualify as a REMIC at any time that any Certificates of the related Group are outstanding: (i) within 90 days prior to the Final Distribution Date set forth in the notice given by the Depositor under Section 10.01, the Trustee shall sell all of the assets of the Trust relating to such Loan Group to the Depositor for cash; and (ii) the notice given by the Depositor or the Trustee pursuant to Section 10.01 shall provide that such notice constitutes the adopting of a plan of complete liquidation of the related REMIC as of the date of such notice (or, if earlier, the date on which such notice was mailed to Certificateholders). The Trustee shall also specify such date in the final tax return of the related REMIC. (b) By their acceptance of the Residual Certificates, the Holders thereof hereby agrees to take such other action in connection with such plan of complete liquidation of the related REMIC as may be reasonably requested by the Depositor. ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment. This Agreement may be amended from time to time by the Depositor, the Servicer and the Trustee without the consent of any of the Certificateholders, (i) to cure any ambiguity or mistake, (ii) to correct or supplement any provisions herein or therein which may be inconsistent with any other provisions of this Agreement, any amendment to this Agreement or the related Prospectus Supplement, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary to maintain the qualification of each REMIC as a separate REMIC at all times that any Certificates of the Related Group are outstanding or to avoid or minimize the risk of the imposition of any tax on either REMIC pursuant to the Code that would be a claim against the Trust Estate, provided that (a) the Trustee has received an Opinion of Counsel to the effect that such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (b) such action shall not, as evidenced by such Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into either Certificate Account provided that (a) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (b) such change shall not adversely affect the then-current rating of the Senior Certificates, the Class 1-B-1 Certificates, the Class 1-B-2 Certificates, the Class 1-B-3 Certificates, the Class 1-B-4 Certificates, the Class 1-B-5 Certificates, the Class 2-B-1 Certificates, the Class 2-B-2 Certificates, the Class 2-B-3 Certificates, the Class 2-B-4 Certificates or the Class 2-B-5 Certificates as evidenced by a letter from each Rating Agency rating such Certificates to such effect, and (v) to reduce the percentage of the Pool Stated Principal Balance of a Loan Group at which the Depositor will have the option to purchase all the remaining Mortgage Loans in accordance with Section 10.01, provided that such reduction is considered necessary by the Depositor, as evidenced by an Officer's Certificate delivered to the Trustee, to preserve the treatment of the transfer of the Mortgage Loans of such Loan Group to the Depositor by the Seller or to the Trust by the Depositor as sale for accounting purposes, and (vi) to make any other provisions with respect to matters or questions arising under this Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder, provided that the amendment shall not be deemed to adversely affect in any material respect the interests of the Certificateholders and no Opinion of Counsel to that effect shall be required if the Person requesting the amendment obtains a letter from each Rating Agency stating that the amendment would not result in the downgrading or withdrawal of the respective ratings then assigned to the Certificates. This Agreement may also be amended from time to time by the Depositor, the Servicer and the Trustee, with the consent of the Holders of Certificates of each Class of Certificates which is affected by such amendment, evidencing, as to each such Class of Certificates, Percentage Interests aggregating not less than 66-2/3%, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of such Certificates; provided, however, that no such amendment shall (A) reduce in any manner the amount of, or delay the timing of, collections of payments on Mortgage Loans or distributions which are required to be made on any Certificate without the consent of the Holder of such Certificate or (B) reduce the aforesaid percentage required to consent to any such amendment, without the consent of the Holders of all Certificates then Outstanding. Prior to the solicitation of consent of Certificateholders in connection with any such amendment, the party seeking such amendment shall furnish the Trustee with an Opinion of Counsel stating whether such amendment would adversely affect the qualification of either REMIC as a REMIC and notice of the conclusion expressed in such Opinion of Counsel shall be included with any such solicitation. An amendment made with the consent of all Certificateholders and executed in accordance with this Section 11.01 shall be permitted or authorized by this Agreement notwithstanding that such Opinion of Counsel may conclude that such amendment would adversely affect the qualification of either REMIC as a REMIC. Promptly after the execution of any such amendment or consent the Trustee shall furnish written notification of the substance of or a copy of such amendment to each Certificateholder and to each Rating Agency. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable requirements as the Trustee may prescribe. Section 11.02 Recordation of Agreement. This Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Servicer and at its expense on direction by the Trustee, who will act at the direction of Holders of Certificates evidencing not less than 50% of all Voting Rights, but only upon direction of the Trustee accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of Certificateholders. For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. Section 11.03 Limitation on Rights of Certificateholders. The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or commence any proceeding in any court for a partition or winding up of the Trust, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them. No Certificateholder shall have any right to vote (except as provided herein) or in any manner otherwise control the operation and management of the Trust, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. No Certificateholder shall have any right by virtue or by availing itself of any provisions of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as provided herein, and unless also the Holders of Certificates evidencing Percentage Interests aggregating not less than 25% of each Class of Certificates affected thereby shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding; it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue or by availing itself or themselves of any provisions of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of the Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. Section 11.04 Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT APPLICATION OF THE CONFLICTS OF LAWS PROVISIONS THEREOF, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 11.05 Notices. All demands, notices, instructions, directions, requests and communications required to be delivered hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified mail, return receipt requested, (provided, however, that notices to the Trustee may be delivered by facsimile and shall be deemed effective upon receipt ) to (a) in the case of the Depositor, Bank of America Mortgage Securities, Inc., 101 South Tryon Street, Charlotte, North Carolina 28255, Attention: General Counsel and Chief Financial Officer, (b) in the case of the Servicer, Bank of America, N.A., 2810 North Parham Road, Richmond, Virginia 23294, Attention: Servicing Manager, and Bank of America, N.A., 101 East Main Street, Suite 400, Louisville, Kentucky 40206-5318, Attention: Servicing Manager, with a copy to: Bank of America, N.A. 101 South Tryon Street, Charlotte, North Carolina, 28255, Attention: General Counsel and Chief Financial Officer, (c) in the case of the Trustee, 101 Barclay Street 12 East, New York, New York 10286, Attention: Corporate Trust - MBS Group (Fax: (212) 815-5309) (d) in the case of S&P, Standard & Poor's, a division of The McGraw-Hill Companies, Inc., 55 Water Street, New York, New York 10041, Attn: Residential Mortgage Surveillance Group, and (e) in the case of Fitch, Fitch, Inc., One State Street Plaza, New York, New York 10004, Attn: Residential Mortgage Surveillance Group; or, as to each party, at such other address as shall be designated by such party in a written notice to each other party. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06 Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof. Section 11.07 Certificates Nonassessable and Fully Paid. It is the intention of the Trustee that Certificateholders shall not be personally liable for obligations of the Trust Estate, that the beneficial ownership interests represented by the Certificates shall be nonassessable for any losses or expenses of the Trust Estate or for any reason whatsoever, and that Certificates upon execution, countersignature and delivery thereof by the Trustee pursuant to Section 6.01 are and shall be deemed fully paid. Section 11.08 Access to List of Certificateholders. The Certificate Registrar will furnish or cause to be furnished to the Trustee, within 15 days after the receipt of a request by the Trustee in writing, a list, in such form as the Trustee may reasonably require, of the names and addresses of the Certificateholders as of the most recent Record Date for payment of distributions to Certificateholders. If three or more Certificateholders apply in writing to the Trustee, and such application states that the applicants desire to communicate with other Certificateholders with respect to their rights under this Agreement or under the Certificates and is accompanied by a copy of the communication which such applicants propose to transmit, then the Trustee shall, within five Business Days after the receipt of such application, afford such applicants access during normal business hours to the most recent list of Certificateholders held by the Trustee. If such a list is as of a date more than 90 days prior to the date of receipt of such applicants' request, the Trustee shall promptly request from the Certificate Registrar a current list as provided above, and shall afford such applicants access to such list promptly upon receipt. Every Certificateholder, by receiving and holding such list, agrees with the Certificate Registrar and the Trustee that neither the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure of any such information as to the names and addresses of the Certificateholders hereunder, regardless of the source from which such information was derived. Section 11.09 Recharacterization. The parties to this Agreement intend the conveyance by the Depositor to the Trustee 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 Depositor shall be deemed to have granted to the Trustee a first priority security interest in all of the Depositor's right, title and interest in and to the Mortgage Loans. IN WITNESS WHEREOF, the Depositor, the Servicer and the Trustee have caused this Agreement to be duly executed by their respective officers thereunto duly authorized to be hereunto affixed, all as of the day and year first above written. BANK OF AMERICA MORTGAGE SECURITIES, INC., as Depositor By: ------------------------------------ Name: Judy Ford Title: Vice President BANK OF AMERICA, N.A., as Servicer By: ------------------------------------ Name: Robert J. DeBenedet Title: Senior Vice President THE BANK OF NEW YORK, as Trustee By: ------------------------------------ Name: Title: STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 24th day of May, 2001, before me, a notary public in and for the State of New York, personally appeared ________________, known to me who, being by me duly sworn, did depose and say that s/he is a ________________ of The Bank of New York, a New York banking corporation, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of such corporation. --------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. STATE OF NORTH CAROLINA ) ) ss.: COUNTY OF MECKLENBURG ) On the 24th day of May, 2001, before me, a notary public in and for the State of North Carolina, personally appeared Judy Ford, known to me who, being by me duly sworn, did depose and say that she is the Vice President of Bank of America Mortgage Securities, Inc. a Delaware corporation, one of the parties that executed the foregoing instrument; and that he/she signed his/her name thereto by order of the Board of Directors of such corporation. --------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. STATE OF NORTH CAROLINA ) ) ss.: COUNTY OF MECKLENBURG ) On the 24th day of May, 2001, before me, a notary public in and for the State of North Carolina, personally appeared Robert J. DeBenedet, known to me who, being by me duly sworn, did depose and say that he is the Senior Vice President of Bank of America, N.A., a national banking association, one of the parties that executed the foregoing instrument; and that he signed her name thereto by order of the Board of Directors of such corporation. --------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. EXHIBIT A-1-A-1 [FORM OF FACE OF CLASS 1-A-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-1 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $119,690,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 ZW 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-2 [FORM OF FACE OF CLASS 1-A-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-2 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $40,000,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 ZX 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-3 [FORM OF FACE OF CLASS 1-A-3 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-3 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). UNTIL THE APPLICABLE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON THE CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH UNPAID INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS CERTIFICATE AND BECAUSE REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MORE OR LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-3 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,746,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 ZY 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-4 [FORM OF FACE OF CLASS 1-A-4 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-4 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-4 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $11,278,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 ZZ 8 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-5 [FORM OF FACE OF CLASS 1-A-5 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-5 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-5 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $30,000,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 A2 8 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-6 [FORM OF FACE OF CLASS 1-A-6 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-6 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-6 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,300,000.00 Pass-Through Rate: 7.250% CUSIP No.: 060506 A3 6 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-7 [FORM OF FACE OF CLASS 1-A-7 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-7 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-7 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,300,000.00 Pass-Through Rate: 7.250% CUSIP No.: 060506 A4 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-8 [FORM OF FACE OF CLASS 1-A-8 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-8 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-8 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,300,000.00 Pass-Through Rate: 7.250% CUSIP No.: 060506 A5 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-9 [FORM OF FACE OF CLASS 1-A-9 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-9 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-9 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,300,000.00 Pass-Through Rate: 7.250% CUSIP No.: 060506 A6 9 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-10 [FORM OF FACE OF CLASS 1-A-10 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-10 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-10 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $4,522,620.00 Pass-Through Rate: 7.250% CUSIP No.: 060506 A7 7 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-11 [FORM OF FACE OF CLASS 1-A-11 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-11 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-11 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,583,380.00 CUSIP No.: 060506 A8 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. This Class 1-A-11 Certificate represents the right to receive principal only. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-12 [FORM OF FACE OF CLASS 1-A-12 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-12 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-12 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,157,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 A9 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-13 [FORM OF FACE OF CLASS 1-A-13 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-13 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-13 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $9,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B2 7 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-14 [FORM OF FACE OF CLASS 1-A-14 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-14 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-14 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $4,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B3 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-15 [FORM OF FACE OF CLASS 1-A-15 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-15 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-15 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $4,171,928.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B4 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-16 [FORM OF FACE OF CLASS 1-A-16 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-16 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-16 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $5,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B5 0 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-17 [FORM OF FACE OF CLASS 1-A-17 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-17 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-17 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $8,843,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B6 8 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-18 [FORM OF FACE OF CLASS 1-A-18 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-18 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-18 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $6,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B7 6 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-19 [FORM OF FACE OF CLASS 1-A-19 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-19 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-19 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $5,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B8 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-20 [FORM OF FACE OF CLASS 1-A-20 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-20 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-20 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $3,500,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 B9 2 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-21 [FORM OF FACE OF CLASS 1-A-21 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-21 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-21 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 C2 6 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-22 [FORM OF FACE OF CLASS 1-A-22 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-22 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-22 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,264,705.00 Pass-Through Rate: Floating CUSIP No.: 060506 C3 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. The Pass-Through Rate applicable with respect to the Distribution Date in June 2001 will be 5.650% per annum, and on each subsequent Distribution Date shall be determined as provided in the Pooling and Servicing Agreement. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-23 [FORM OF FACE OF CLASS 1-A-23 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-23 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-23 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $372,058.00 Pass-Through Rate: Inverse Floating CUSIP No.: 060506 C4 2 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. The Pass-Through Rate applicable with respect to the Distribution Date in June 2001 will be 14.000% per annum, and on each subsequent Distribution Date shall be determined as provided in the Pooling and Servicing Agreement. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-24 [FORM OF FACE OF CLASS 1-A-24 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-24 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-24 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $113,237.00 Pass-Through Rate: Inverse Floating CUSIP No.: 060506 C5 9 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. The Pass-Through Rate applicable with respect to the Distribution Date in June 2001 will be 11.000% per annum, and on each subsequent Distribution Date shall be determined as provided in the Pooling and Servicing Agreement. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-25 [FORM OF FACE OF CLASS 1-A-25 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-25 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-25 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 C6 7 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-26 [FORM OF FACE OF CLASS 1-A-26 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-26 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-26 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,500,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 C7 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-27 [FORM OF FACE OF CLASS 1-A-27 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-27 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-27 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,500,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 C8 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-28 [FORM OF FACE OF CLASS 1-A-28 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-28 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-28 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,000,000.00 Pass-Through Rate: 7.000% CUSIP No.: 060506 C9 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the current Certificate Balance of this Certificate by the current Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-29 [FORM OF FACE OF CLASS 1-A-29 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-29 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-29 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $129,735,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 D2 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-30 [FORM OF FACE OF CLASS 1-A-30 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-30 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). UNTIL THE APPLICABLE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON THE CERTIFICATE BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH UNPAID INTEREST IS ADDED TO THE CERTIFICATE BALANCE OF THIS CERTIFICATE AND BECAUSE REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MORE OR LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-30 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,801,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 D3 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-31 [FORM OF FACE OF CLASS 1-A-31 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-31 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-31 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $4,417,072.00 CUSIP No.: 060506 D4 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. This Class 1-A-31 Certificate represents the right to receive principal only. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-32 [FORM OF FACE OF CLASS 1-A-32 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-32 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-32 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $50,000,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 D5 8 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-33 [FORM OF FACE OF CLASS 1-A-33 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-33 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-33 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $21,344,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 D6 6 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-PO [FORM OF FACE OF CLASS 1-A-PO CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-PO [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-PO evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $50,487.00 CUSIP No.: 060506 D7 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. This Class 1-A-PO Certificate represents the right to receive principal only. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-1-A-R [FORM OF FACE OF CLASS 1-A-R CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-R SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). THIS CLASS 1-A-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF OR INVESTING ASSETS OF A PLAN. TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN THE PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-A-R evidencing a 100% Percentage Interest in the distributions allocable to the Certificate of the above-referenced Class with respect to a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $100.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 D8 2 THIS CERTIFIES THAT _________ is the registered owner of 100% Percentage Interest evidenced by this Certificate in certain monthly distributions with respect to a Trust consisting of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Any distribution of the proceeds of any remaining assets of the Certificate Account will be made only upon presentment and surrender of this Class 1-A-R Certificate at the Corporate Trust Office. Each Person who has or who acquires this Class 1-A-R Certificate shall be deemed by the acceptance or acquisition thereof to have agreed to be bound by the following provisions and the rights of each Person acquiring this Class 1-A-R Certificate are expressly subject to the following provisions: (i) each Person holding or acquiring this Class 1-A-R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee; (ii) no Person shall acquire an ownership interest in this Class 1-A-R Certificate unless such ownership interest is a pro rata undivided interest; (iii) in connection with any proposed transfer of this Class 1-A-R Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I to the Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in this Residual Certificate to such proposed transferee shall be effected; (v) this Residual Certificate may not be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds this Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form 4224 (or any successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of this Residual Certificate will not be disregarded for federal income tax purposes; (vi) any attempted or purported transfer of this Class 1-A-R Certificate in violation of the provisions of such restrictions shall be absolutely null and void and shall vest no rights in the purported transferee; and (vii) if any Person other than a Permitted Transferee acquires the Class 1-A-R Certificate in violation of such restrictions, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-2-A-1 [FORM OF FACE OF CLASS 2-A-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-1 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $120,443,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 D9 0 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-2-A-2 [FORM OF FACE OF CLASS 2-A-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. AFTER THE SENIOR CREDIT SUPPORT DEPLETION DATE, THE PRINCIPAL PORTION OF REALIZED LOSSES, OTHER THAN EXCESS LOSSES, ALLOCATED TO THE CLASS 2-A-1 CERTIFICATES WILL BE BORNE BY THE CLASS 2-A-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-2 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,820,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 E2 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-2-A-PO [FORM OF FACE OF CLASS 2-A-PO CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-PO [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-PO evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $9,374.00 CUSIP No.: 060506 E3 2 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. This Class 2-A-PO Certificate represents the right to receive principal only. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-2-A-R [FORM OF FACE OF CLASS 2-A-R CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-R SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). THIS CLASS 2-A-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF OR INVESTING ASSETS OF A PLAN. TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN THE PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-A-R evidencing a 100% Percentage Interest in the distributions allocable to the Certificate of the above-referenced Class with respect to a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $100.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 E4 0 THIS CERTIFIES THAT _________ is the registered owner of 100% Percentage Interest evidenced by this Certificate in certain monthly distributions with respect to a Trust consisting of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Any distribution of the proceeds of any remaining assets of the Certificate Account will be made only upon presentment and surrender of this Class 2-A-R Certificate at the Corporate Trust Office. Each Person who has or who acquires this Class 2-A-R Certificate shall be deemed by the acceptance or acquisition thereof to have agreed to be bound by the following provisions and the rights of each Person acquiring this Class 2-A-R Certificate are expressly subject to the following provisions: (i) each Person holding or acquiring this Class 2-A-R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee; (ii) no Person shall acquire an ownership interest in this Class 2-A-R Certificate unless such ownership interest is a pro rata undivided interest; (iii) in connection with any proposed transfer of this Class 2-A-R Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I to the Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in this Residual Certificate to such proposed transferee shall be effected; (v) this Residual Certificate may not be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds this Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form 4224 (or any successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of this Residual Certificate will not be disregarded for federal income tax purposes; (vi) any attempted or purported transfer of this Class 2-A-R Certificate in violation of the provisions of such restrictions shall be absolutely null and void and shall vest no rights in the purported transferee; and (vii) if any Person other than a Permitted Transferee acquires the Class 2-A-R Certificate in violation of such restrictions, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-1 [FORM OF FACE OF CLASS 1-B-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-1 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $8,273,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 E5 7 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-2 [FORM OF FACE OF CLASS 1-B-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A AND CLASS 1-B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-2 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $3,761,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 E6 5 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-3 [FORM OF FACE OF CLASS 1-B-3 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-3 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A, CLASS 1-B-1 AND CLASS 1-B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-3 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,257,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 E7 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-4 [FORM OF FACE OF CLASS 1-B-4 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-4 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A, CLASS 1-B-1, CLASS 1-B-2 AND CLASS 1-B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-4 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,254,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 F3 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-5 [FORM OF FACE OF CLASS 1-B-5 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-5 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A, CLASS 1-B-1, CLASS 1-B-2, CLASS 1-B-3 AND CLASS 1-B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-5 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,003,000.00 Pass-Through Rate: 6.500% CUSIP No.: 060506 F4 9 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1-B-6 [FORM OF FACE OF CLASS 1-B-6 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-6 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 1-A, CLASS 1-B-1, CLASS 1-B-2, CLASS 1-B-3, CLASS 1-B-4 AND CLASS 1-B-5 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 1-B-6 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,002,943.77 Pass-Through Rate: 6.500% CUSIP No.: 060506 F5 6 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-1 [FORM OF FACE OF CLASS 2-B-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-1 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $753,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 E8 1 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-2 [FORM OF FACE OF CLASS 2-B-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A AND CLASS 2-B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-2 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $440,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 E9 9 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-3 [FORM OF FACE OF CLASS 2-B-3 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-3 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A, CLASS 2-B-1 AND CLASS 2-B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-3 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $440,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 F2 3 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-4 [FORM OF FACE OF CLASS 2-B-4 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-4 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A, CLASS 2-B-1, CLASS 2-B-2 AND CLASS 2-B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-4 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $251,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 F6 4 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-5 [FORM OF FACE OF CLASS 2-B-5 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-5 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A, CLASS 2-B-1, CLASS 2-B-2, CLASS 2-B-3 AND CLASS 2-B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-5 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $126,000.00 Pass-Through Rate: 6.250% CUSIP No.: 060506 F7 2 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2-B-6 [FORM OF FACE OF CLASS 2-B-6 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-6 SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE GROUP 2-A, CLASS 2-B-1, CLASS 2-B-2, CLASS 2-B-3, CLASS 2-B-4 AND CLASS 2-B-5 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-6 Class 2-B-6 evidencing an interest in a Trust consisting primarily of two loan groups (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: May 1, 2001 First Distribution Date: June 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $189,077.51 Pass-Through Rate: 6.250% CUSIP No.: 060506 F8 0 THIS CERTIFIES THAT __________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated May 24, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. No transfer of a Certificate of this Class shall be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT C [FORM OF REVERSE OF ALL CERTIFICATES] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates This Certificate is one of a duly authorized issue of Certificates designated as Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, of the Series specified on the face hereof (collectively, the "Certificates"), and representing a beneficial ownership interest in the Trust created by the Pooling and Servicing Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Pooling and Servicing Agreement or, except as expressly provided in the Pooling and Servicing Agreement, subject to any liability under the Pooling and Servicing Agreement. This Certificate does not purport to summarize the Pooling and Servicing Agreement and reference is made to the Pooling and Servicing Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee. Pursuant to the terms of the Pooling and Servicing Agreement, a distribution will be made on the 25th day of each calendar month (or, if such day is not a Business Day, the next Business Day) (each, a "Distribution Date"), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount required pursuant to the Pooling and Servicing Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month next preceding the month of such Distribution Date. On each Distribution Date, the Trustee shall distribute out of the Certificate Account to each Certificateholder of record on the related Record Date (other than respecting the final distribution) (a) by check mailed to such Certificateholder entitled to receive a distribution on such Distribution Date at the address appearing in the Certificate Register, or (b) upon written request by the Holder of a Regular Certificate (in the event such Certificateholder owns of record 100% of a Class of Certificates or holds Certificates of any Class having denominations aggregating $1,000,000 or more), by wire transfer or by such other means of payment as such Certificateholder and the Trustee shall agree upon, such Certificateholder's Percentage Interest in, the amount to which the related Class of Certificates is entitled in accordance with the priorities set forth in Section 5.02 of the Pooling and Servicing Agreement; provided, however, that in the case of the Class 1-A-17, Class 1-A-18, Class 1-A-20, Class 1-A-21, Class 1-A-26 or Class 1-A-28 Certificates, distributions of principal to which such Class is entitled will be made to the Holders of such Class as described in Section 5.09 of the Pooling and Servicing Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentation and surrender of such Certificate to the Trustee as contemplated by Section 10.01 of the Pooling and Servicing Agreement. The Pooling and Servicing Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Pooling and Servicing Agreement at any time by the Depositor, the Servicer and the Trustee with the consent of the Holders of Certificates affected by such amendment evidencing the requisite Percentage Interest, as provided in the Pooling and Servicing Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Pooling and Servicing Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the Corporate Trust Office accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Pooling and Servicing Agreement. As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Servicer, the Certificate Registrar and the Trustee and any agent of the Depositor, the Servicer, the Certificate Registrar or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Servicer, the Certificate Registrar, the Trustee or any such agent shall be affected by any notice to the contrary. On any Distribution Date on which the Pool Stated Principal Balance for a Loan Group is less than 10% of the Cut-Off Date Pool Principal Balance for such Loan Group, the Depositor will have the option to repurchase, in whole, from the Trust all remaining Mortgage Loans in such Loan Group and all property acquired in respect of such Mortgage Loans at a purchase price determined as provided in the Pooling and Servicing Agreement. The 10% may be reduced by an amendment to the Pooling and Servicing Agreement without Certificateholder consent under certain conditions set forth in the Pooling and Servicing Agreement. In the event that no such optional repurchase occurs, the obligations and responsibilities created by the Pooling and Servicing Agreement with respect to such Loan Group will terminate upon the later of the maturity or other liquidation (or any advance with respect thereto) of the last Mortgage Loan in such Loan Group or the disposition of all property in respect thereof and the distribution to Certificateholders of the Related Group of all amounts required to be distributed pursuant to the Pooling and Servicing Agreement. In no event shall the Trust created by the Pooling and Servicing Agreement continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date thereof. Any term used herein that is defined in the Pooling and Servicing Agreement shall have the meaning assigned in the Pooling and Servicing Agreement, and nothing herein shall be deemed inconsistent with that meaning. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: THE BANK OF NEW YORK, as Trustee By ---------------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class [___] Certificates referred to in the Pooling and Servicing Agreement referenced herein. THE BANK OF NEW YORK, as Trustee By ---------------------------------------- Authorized Signatory ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto _______________________________________________________________ ________________________________________________________________________________ ________________________________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) the Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust. I (We) further direct the Trustee to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ------------------------------------------ Signature by or on behalf of assignor DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________________________________________ for the account of ___________________, account number _________________________, or, if mailed by check, to Applicable statements should be mailed to __________________ ____________________________________. This information is provided by ____________________, the assignee named above, or , as its agent. EXHIBIT D-1 LOAN GROUP 1 MORTGAGE LOAN SCHEDULE Bank of America Securities BOAMS 2001-06 30 YR Loan Count: 1,189 Scheduled Balance: 501,340,530.79 W/A Interest Rate: 7.34% Terms to Maturity W/A: 358
Loan Borrower Zip Property Loan Doc Number Last Name State Code Type Occupancy Purpose Type 0023749195 MASIELLO VA 20152 PUD Primary Refinance Reduced 0023801111 SHUSS CO 80015 PUD Primary Purchase Reduced 0028253557 KEDES VA 22901 Single Family Primary Refinance Reduced 0028522787 HOLLEY TN 38017 Single Family Primary Refinance Reduced 0028580504 SGHIMAN NC 27617 PUD Primary Purchase Standard 0028918985 ELITZAK MA 01886 Single Family Primary Purchase Reduced 0028964666 GIBBAR CO 80129 PUD Primary Purchase Standard 0029091857 CRISSEY WA 98110 PUD Primary Purchase Standard 0029096765 LISS TN 37064 Single Family Primary Refinance Reduced 0029141322 MCLEAN SC 29928 PUD Secondary Refinance Standard 0029160199 COLTUN NC 27949 PUD Secondary Purchase Reduced 0029162633 MALDARELLI JR MD 20878 PUD Primary Purchase Reduced 0029197761 KAMARAT IL 60614 Two Family Primary Purchase Standard 0029219912 HUG KS 66215 PUD Primary Refinance Reduced 0029245974 BARTSCH CO 80027 PUD Primary Refinance Reduced 0029307337 VIEBRANZ TN 37069 PUD Primary Refinance Reduced 0029311644 CHRISTOS TX 75034 PUD Primary Purchase Standard 0029312402 STRICKLAND NC 27604 Single Family Primary Refinance Standard 0029318003 MCDONALD MO 64014 PUD Primary Refinance Reduced 0029321288 OSIKOWICZ IL 60047 Single Family Primary Refinance Standard 0029332939 GLAD OR 97068 Single Family Primary Purchase Reduced 0029333846 SICHLER CO 80016 PUD Primary Purchase Standard 0029338035 ENGSTROM CO 80439 PUD Primary Refinance Standard 0029338530 CONRAD CO 80129 PUD Primary Purchase Reduced 0029343860 TONEY TX 75078 PUD Primary Purchase Standard 0029346111 PARADISE NC 28601 Single Family Primary Refinance Reduced 0029348596 AMATO WA 98059 PUD Primary Purchase Standard 0029351012 SIESS NY 11725 Single Family Primary Purchase Standard 0029354586 PETERSON WA 98275 Single Family Primary Refinance Standard 0029361904 MCELROY MN 55436 Single Family Primary Cash-out Refinance Reduced 0029361987 SAXON TX 75225 Single Family Primary Purchase Standard 0029364395 HOWARD VA 20112 PUD Primary Purchase Reduced 0029369493 DONOVAN CO 80206 Single Family Primary Purchase Reduced 0029369584 POEHLMANN TX 78703 Single Family Primary Refinance Reduced 0029372596 ARESU WA 98390 PUD Primary Purchase Reduced 0029373545 MERKEL IN 47201 PUD Primary Purchase Reduced 0029384138 CRAWFORD TX 75022 PUD Primary Refinance Standard 0029384948 GHAEMI VA 22066 PUD Primary Refinance Reduced 0029387701 KERRIDGE MD 21037 PUD Primary Purchase Reduced 0029388147 BAUMANN OK 73116 Single Family Primary Refinance Reduced 0029391000 KAPLAN KS 66209 PUD Primary Refinance Standard 0029392164 MCINTURF OH 45243 Single Family Primary Cash-out Refinance Reduced 0029392248 HANSEN MN 55424 Single Family Primary Refinance Standard 0029392594 KOERNER TX 75032 PUD Primary Refinance Reduced 0029400041 WOODELL WA 98498 Single Family Primary Purchase Reduced 0029400082 LASCO FL 34219 PUD Secondary Purchase Standard 0029403870 HOLMAN KY 40502 PUD Primary Refinance Reduced 0029406873 PORTZ SR AZ 86406 Single Family Primary Purchase Standard 0029406964 PHILIPS IL 60187 Single Family Primary Purchase Standard 0029406998 SEVER VA 20148 PUD Primary Purchase Standard 0029411568 BACON MA 01532 Single Family Primary Purchase Standard 0029414406 CARROLL MD 21044 Single Family Primary Purchase Reduced 0029414521 NARANG CA 92692 Single Family Primary Refinance Standard 0029415783 PRECIADO CA 92024 Single Family Primary Cash-out Refinance Reduced 0029415833 STALLINGS NC 28630 Single Family Primary Refinance Reduced 0029416245 CONNOLLEY MO 63038 Single Family Primary Refinance Standard 0029416328 MARKOFF TX 77024 PUD Primary Refinance Reduced 0029416377 MECKLENBURG TX 76092 PUD Primary Purchase Standard 0029416500 GRAHAM GA 30318 Single Family Primary Purchase Standard 0029416716 KASEN CO 80121 PUD Primary Purchase Reduced 0029416740 LEMOINE MO 63005 Single Family Primary Refinance Standard 0029420361 STARR VA 20147 PUD Primary Refinance Reduced 0029420387 SMAUS CO 80129 PUD Primary Purchase Standard 0029420726 WHITENER MD 20854 PUD Primary Purchase Standard 0029422458 RAMEY NC 27608 Single Family Primary Cash-out Refinance Reduced 0029423563 CASSIDY CA 94304 Single Family Primary Refinance Standard 0029425592 MORIARTY KY 40059 Single Family Primary Cash-out Refinance Standard 0029425782 JAGER MD 21037 PUD Primary Purchase Reduced 0029427135 OMAN TN 37205 High-Rise Condo Primary Purchase Reduced 0029427143 HOHL CA 95117 Single Family Primary Refinance Standard 0029427200 CRAM JR WA 98116 Single Family Primary Cash-out Refinance Reduced 0029427440 SHACKLETT CA 94526 PUD Primary Refinance Reduced 0029427473 MOCK III PA 18901 Single Family Primary Refinance Reduced 0029429347 BARTON MO 63141 Single Family Primary Refinance Stated 0029430543 ASCHINGER MO 63128 PUD Primary Refinance Standard 0029430576 LARMER II VA 22554 Single Family Primary Cash-out Refinance Reduced 0029430758 AKIN OH 45215 Single Family Primary Purchase Standard 0029431103 BLOODSWORTH FL 32779 PUD Primary Purchase Standard 0029432028 MACKAY TX 78705 Single Family Primary Refinance Reduced 0029432135 WARD CA 94583 Single Family Primary Refinance Standard 0029432242 SWENOR VA 20176 PUD Primary Purchase Reduced 0029433257 MORALES MD 20816 Single Family Primary Cash-out Refinance Standard 0029433349 WILSON CA 94536 Single Family Primary Cash-out Refinance Standard 0029433505 HSU CA 91360 Single Family Primary Refinance Standard 0029433554 KNIGHTEN WA 98006 PUD Primary Purchase Standard 0029434602 SPENCER NC 27502 Single Family Primary Purchase Reduced 0029437142 MUTSCHLER CO 80124 PUD Primary Purchase Reduced 0029438116 BALLARD MN 55446 Single Family Primary Purchase Standard 0029440443 GEISE CA 94555 Single Family Primary Purchase Standard 0029440567 SPRAGUE BAUTIST MD 20601 Single Family Primary Purchase Standard 0029440666 YODER OH 45066 Single Family Primary Purchase Standard 0029440682 MCMAHON CO 80127 PUD Primary Purchase Reduced 0029442597 FOLINO CA 92656 Single Family Primary Purchase Standard 0029443280 HUNT GA 30215 PUD Primary Purchase Reduced 0029443710 CASTILLO FL 33330 PUD Primary Purchase Standard 0029445962 DYKES CO 80007 PUD Primary Purchase Standard 0029446507 GLADDEN CA 92122 Single Family Primary Purchase Reduced 0029446556 YEAKLE PA 19073 Single Family Primary Purchase Standard 0029446614 VOJDANI CA 95616 Single Family Primary Purchase Reduced 0029447778 AVENT VA 22102 PUD Primary Purchase Standard 0029449162 BOUNDS SR TN 38017 Single Family Primary Refinance Reduced 0029449188 KROHN NV 89509 PUD Primary Purchase Standard 0029449220 FULLER CA 92130 PUD Primary Purchase Standard 0029449949 YATES MO 65020 Single Family Secondary Refinance Reduced 0029452216 HARRIS AZ 85296 PUD Primary Purchase Standard 0029454568 LIVINGSTON CO 80210 Single Family Primary Cash-out Refinance Reduced 0029455086 MCGURTY NJ 07087 Single Family Primary Purchase Standard 0029456423 SUMMERS OH 43082 Single Family Primary Purchase Standard 0029456530 LEHAVI CA 91367 Single Family Primary Purchase Standard 0029457538 MCFARLAND CA 94503 Single Family Primary Purchase Reduced 0029458486 MLCAK TX 78261 Single Family Primary Refinance Standard 0029461084 HENDERSON CO 80403 PUD Primary Refinance Reduced 0029461399 FINDLEY IN 46180 Single Family Primary Refinance Standard 0029461662 IRWIN CA 91326 PUD Primary Purchase Standard 0029462561 HOSKING TN 37922 Single Family Primary Refinance Reduced 0029462629 SMITH TX 76262 Single Family Primary Purchase Reduced 0029465184 MYNATT JR GA 30252 Single Family Primary Refinance Standard 0029465432 HAMEL VA 23226 Single Family Primary Purchase Standard 0029465465 GALLOWAY VA 23454 Single Family Primary Purchase Standard 0029465804 CARPENTER CO 80439 PUD Primary Purchase Reduced 0029465820 KIGER TX 75205 Single Family Primary Purchase Reduced 0029465853 DANCER OK 73003 Single Family Primary Refinance Reduced 0029465887 RICHARDSON CO 80516 Single Family Primary Purchase Reduced 0029467701 BENNETT WA 98275 PUD Primary Purchase Standard 0029471851 BREWER CA 91326 PUD Primary Purchase Standard 0029471885 LEAHY CA 94025 Single Family Primary Purchase Standard 0029472370 FISH NC 28601 Single Family Primary Purchase Reduced 0029472636 FELDEWERT NM 87505 Single Family Primary Purchase Reduced 0029472644 KAL CO 80210 Single Family Primary Refinance Standard 0029473220 ROBESON CO 80132 Single Family Primary Purchase Reduced 0029476397 CRAIG CO 80424 Single Family Primary Refinance Standard 0029476827 MAGO IL 60143 Single Family Primary Refinance Reduced 0029477072 PETERS WA 98102 Single Family Primary Cash-out Refinance Standard 0029477148 ROBERTS TX 75028 PUD Primary Refinance Reduced 0029477460 LEWIS GA 30017 PUD Primary Purchase Standard 0029478898 KANG CA 91206 Single Family Primary Purchase Standard 0029479748 CALLAN CA 91355 PUD Primary Purchase Standard 0029479953 ANKRUM CO 80206 Single Family Primary Purchase Reduced 0029482361 HAMEL JR MA 01938 Single Family Primary Purchase Standard 0029482791 SOLTES TX 78751 Single Family Primary Refinance Standard 0029483039 JOY TN 38017 PUD Primary Purchase Standard 0029483054 WALLACE TN 37220 Single Family Primary Purchase Standard 0029483070 WALKER KY 42001 Single Family Primary Refinance Reduced 0029483088 BROTMAN PA 19002 PUD Primary Purchase Reduced 0029483138 HERRMANN CO 80031 PUD Primary Refinance Standard 0029483146 MADDOX NC 28078 PUD Primary Purchase Reduced 0029483203 BADART WA 98004 Single Family Primary Refinance Reduced 0029485620 RABINOVICH CA 92122 PUD Primary Purchase Reduced 0029489101 DAVIS TX 79424 Single Family Primary Refinance Reduced 0029491404 COLLINS CA 95003 Single Family Primary Cash-out Refinance Reduced 0029492337 MONSEES CO 80116 Single Family Primary Refinance Reduced 0029493772 HANSON CO 80304 Single Family Primary Purchase Reduced 0029500998 XU CA 94506 PUD Primary Purchase Reduced 0029502929 DUNCAN CO 80908 Single Family Primary Refinance Standard 0029503133 SIZEMORE AL 35010 Single Family Secondary Refinance Reduced 0029503158 ADKISSON WA 98607 Single Family Primary Refinance Reduced 0029504610 STANDIFORD CO 80537 PUD Primary Refinance Standard 0029504636 DOMANICO IL 60148 Single Family Primary Refinance Reduced 0029504933 FINCH WA 98146 Single Family Primary Cash-out Refinance Reduced 0029505914 DIECKMANN CO 80301 PUD Primary Purchase Reduced 0029506292 PATZ WA 98119 Single Family Primary Cash-out Refinance Reduced 0029506995 DVORAK CO 80206 Single Family Primary Cash-out Refinance Standard 0029507282 ROBERTSON CO 81620 PUD Primary Purchase Reduced 0029507910 GLASSER TN 37205 Single Family Primary Refinance Standard 0029508058 WILLIAMS CO 80132 PUD Primary Purchase Reduced 0029508645 HEATH CO 80027 PUD Primary Cash-out Refinance Reduced 0029509924 HUBNER OK 74105 PUD Primary Purchase Reduced 0029510369 LAGRONE MD 20860 Single Family Primary Refinance Standard 0029510500 CHILDERS TX 77056 PUD Primary Purchase Standard 0029510617 NAGUIB CO 80111 PUD Primary Purchase Standard 0029512472 TAYLOR TX 76087 Single Family Primary Refinance Reduced 0029512696 WEILAND WA 98103 Single Family Primary Purchase Reduced 0029513611 ANGELUCCI UT 84108 Single Family Primary Purchase Reduced 0029513728 MILLER CO 80027 PUD Primary Purchase Standard 0029514718 KELCH CA 95758 PUD Primary Cash-out Refinance Standard 0029515830 HSU CA 95050 Single Family Primary Cash-out Refinance Standard 0029516747 MCCLOSKEY TX 77024 Single Family Primary Purchase Standard 0029518859 BARNES OR 97229 PUD Primary Cash-out Refinance Reduced 0029519147 BURGESS TX 78619 PUD Primary Refinance Reduced 0029520012 RICKERT KY 40206 Single Family Primary Refinance Reduced 0029520210 KIRKLAND JR NM 87505 Single Family Primary Refinance Reduced 0029521507 ALABAN CA 95051 Single Family Primary Refinance Reduced 0029521754 DULING VA 20117 Single Family Primary Refinance Reduced 0029521879 WILLIAMS CO 80301 Single Family Primary Cash-out Refinance Reduced 0029522950 BIBY VA 22182 Single Family Primary Purchase Standard 0029523529 DEWREE TX 75225 Single Family Primary Purchase Standard 0029526670 GANG CA 94588 PUD Primary Refinance Standard 0029527157 LEOPOLDUS CO 80919 PUD Primary Cash-out Refinance Reduced 0029527280 ATKIN CA 95746 PUD Primary Purchase Reduced 0029527371 OLTROGGE TX 75248 PUD Primary Purchase Reduced 0029527587 WILLIAMS WA 98004 Single Family Primary Purchase Standard 0029527991 JACKSON AL 35475 Single Family Primary Purchase Standard 0029528593 HODGE CO 81632 PUD Primary Purchase Reduced 0029528783 LAMEY WA 98112 Single Family Primary Refinance Standard 0029529278 DIETER OR 97229 PUD Primary Refinance Standard 0029529575 VAN DYKE CA 95404 Single Family Primary Cash-out Refinance Standard 0029530037 DIGGS NM 87047 Single Family Primary Purchase Reduced 0029530052 DENTON AL 36561 Condominimum Secondary Purchase Reduced 0029530060 ACKERMAN CO 80110 PUD Primary Refinance Standard 0029530110 ANDRES CA 94552 PUD Primary Purchase Standard 0029530177 MANKIN CA 90291 Single Family Primary Cash-out Refinance Reduced 0029530946 ROSING GA 30319 PUD Primary Cash-out Refinance Standard 0029531324 BLACK JR MO 63124 Single Family Primary Purchase Standard 0029531761 TERRY TX 77429 PUD Primary Purchase Reduced 0029531878 DYER MN 55042 Single Family Primary Purchase Reduced 0029532017 SCHOEFF TN 37067 Single Family Primary Cash-out Refinance Reduced 0029532397 KNACK WA 98105 Single Family Primary Purchase Standard 0029533007 MILLER WA 98115 PUD Primary Purchase Standard 0029533569 AVERETT CA 94552 PUD Primary Refinance Standard 0029536331 THOMAS KY 40059 Single Family Primary Refinance Reduced 0029536646 BARTLETT SC 29928 Condominimum Secondary Purchase Standard 0029537479 BECKER SC 29615 PUD Primary Purchase Standard 0029537909 SAUER MN 55110 Single Family Primary Purchase Reduced 0029538923 PRETZLER CO 80439 Single Family Primary Purchase Reduced 0029539517 STEEL GA 30328 Single Family Primary Cash-out Refinance Standard 0029540150 GLATH CO 80439 PUD Primary Purchase Reduced 0029540770 JACOBUS CO 80132 PUD Primary Refinance Reduced 0029541349 CRAMER JR WA 98625 Single Family Primary Refinance Standard 0029541828 BOREN VA 20148 PUD Primary Refinance Standard 0029543980 LARIMORE CO 80132 PUD Primary Purchase Reduced 0029544780 CALEY JR TX 77479 PUD Primary Purchase Reduced 0029544855 JOINER JR GA 30022 PUD Primary Purchase Reduced 0029545001 WERNER CA 95616 Single Family Primary Purchase Reduced 0029545340 WISE CA 95062 Single Family Primary Purchase Reduced 0029545746 SCOBEE AZ 85045 PUD Primary Purchase Reduced 0029545803 ACKER KY 40502 Single Family Primary Refinance Reduced 0029546587 AVISON GA 30022 Single Family Primary Cash-out Refinance Standard 0029547320 BANG CA 92672 PUD Primary Cash-out Refinance Standard 0029547726 PRICE CO 80439 Single Family Primary Purchase Reduced 0029548849 SHUFELDT JR TX 79109 Single Family Primary Purchase Reduced 0029548880 SCHEEL TX 79416 Single Family Primary Refinance Reduced 0029549029 ZWIERS CO 80020 PUD Primary Refinance Standard 0029549235 SCHLEDWITZ CO 80234 PUD Primary Purchase Standard 0029549268 HERDER CO 80538 Single Family Primary Cash-out Refinance Reduced 0029550787 SCHWARTZ CA 92672 Single Family Primary Refinance Reduced 0029550845 HAAS TX 78628 Single Family Primary Refinance Standard 0029550878 KIM CA 90005 Single Family Primary Purchase Standard 0029550910 DROEGE CA 95020 PUD Primary Purchase Standard 0029550969 PENDLETON TX 75214 Single Family Primary Purchase Reduced 0029551009 RAIA JR CA 92084 Single Family Primary Purchase Reduced 0029551058 WOO CA 91501 Single Family Primary Purchase Standard 0029551116 COTTON CA 92008 Single Family Primary Purchase Standard 0029551165 CHA CA 91381 PUD Primary Purchase Standard 0029551231 PHILLIPS IL 60712 Single Family Primary Cash-out Refinance Reduced 0029551272 NGUY CA 95630 Single Family Primary Purchase Reduced 0029551314 BISWAS NJ 08816 PUD Primary Purchase Reduced 0029551801 JAMES OR 97225 Single Family Primary Purchase Reduced 0029552197 NEAR CO 80110 PUD Primary Refinance Reduced 0029552973 AUST OR 97221 Single Family Primary Refinance Reduced 0029553104 PRICE FL 34108 Single Family Primary Purchase Standard 0029553450 GRUENING WA 98056 PUD Primary Purchase Reduced 0029553526 PETOSA WA 98026 Single Family Primary Refinance Standard 0029553567 CARINO WA 98502 Single Family Primary Cash-out Refinance Standard 0029555513 SINCLAIR GA 30024 PUD Primary Refinance Reduced 0029555661 DINH CA 95138 Condominimum Primary Purchase Standard 0029555752 KORINEK JR IL 60048 Single Family Primary Cash-out Refinance Standard 0029558038 JONES CA 96145 Condominimum Secondary Purchase Reduced 0029558129 WARD CA 92129 Single Family Primary Purchase Reduced 0029558202 VERMEULEN NY 11758 Single Family Primary Purchase Standard 0029558293 SAVINO NY 11787 Single Family Primary Purchase Reduced 0029558541 MARKMAN NY 11787 Single Family Primary Purchase Standard 0029558681 MELLIZA VA 22315 PUD Primary Purchase Standard 0029558764 BERNSTEIN NY 10956 Single Family Primary Purchase Standard 0029558814 TRUSTY MO 64068 PUD Primary Refinance Reduced 0029558848 WILLIAMS VA 22302 Single Family Primary Purchase Reduced 0029558996 ZANERI NY 10710 Single Family Primary Purchase Reduced 0029559051 HILTNER DC 20011 Townhouse Primary Refinance Reduced 0029559119 WARREN NH 03076 Single Family Primary Purchase Standard 0029561347 BOUCHER NC 27233 Single Family Primary Purchase Reduced 0029562238 WILKIE GA 30115 PUD Primary Refinance Standard 0029563335 BICKERTON AL 35244 PUD Primary Purchase Reduced 0029564036 REGGIANI CA 94596 Single Family Primary Purchase Standard 0029567898 BALLER CO 80241 PUD Primary Purchase Reduced 0029569399 HARRELL VA 20117 Single Family Primary Purchase Reduced 0029570744 HOEY FL 34183 Condominimum Secondary Purchase Standard 0029571130 ERB DC 20008 Condominimum Primary Purchase Standard 0029571148 OTTE MD 20814 Single Family Primary Refinance Reduced 0029571155 DEPEDRO VA 20175 PUD Primary Purchase Reduced 0029571163 BREEDLOVE MD 20905 PUD Primary Purchase Reduced 0029571171 EPSTEIN FL 33325 PUD Primary Purchase Standard 0029571189 LANEY PA 19087 Single Family Primary Refinance Reduced 0029571197 STERN MD 20816 Single Family Primary Cash-out Refinance Reduced 0029571205 MURPHY DC 20008 Single Family Primary Purchase Standard 0029571213 TANDON DC 20015 Single Family Primary Refinance Reduced 0029571221 VILLANUEVA VA 22039 PUD Primary Purchase Reduced 0029571239 MACDONNELL VA 22066 Single Family Primary Purchase Reduced 0029571247 KAYE MD 20814 Single Family Primary Refinance Reduced 0029571254 OROURKE MD 20817 Single Family Primary Cash-out Refinance Reduced 0029571262 SADOFF MD 20815 Single Family Primary Purchase Reduced 0029571270 CHISTOLINI DC 20016 Single Family Primary Refinance Reduced 0029571288 ROSENBERG VA 22182 PUD Primary Cash-out Refinance Reduced 0029571296 KURFISS VA 20165 PUD Primary Purchase Reduced 0029571304 TROTH VA 20152 PUD Primary Purchase Reduced 0029571312 WHITNEY VA 22308 Single Family Primary Purchase Reduced 0029571320 MAZZONE RI 02906 Single Family Primary Purchase Reduced 0029571338 HEUER VA 20132 Single Family Primary Refinance Reduced 0029571346 EARNEST VA 22101 PUD Primary Refinance Reduced 0029571353 ZOTTOLA III VA 22207 Single Family Primary Purchase Reduced 0029571361 STAUFFER MD 20815 Single Family Primary Purchase Reduced 0029571379 HARTMAN MD 20817 Single Family Primary Purchase Reduced 0029571429 SHANNON FL 33037 Single Family Secondary Refinance Standard 0029571437 SIMON WI 53018 Single Family Primary Refinance Standard 0029571445 SINGER WI 53711 Single Family Primary Purchase Standard 0029571478 KATZ IL 60062 Single Family Primary Refinance Standard 0029571494 KLYOP IL 60014 Single Family Primary Purchase Standard 0029571502 MARCO MN 55331 Single Family Primary Purchase Standard 0029571544 MORA IL 60061 Single Family Primary Cash-out Refinance Standard 0029571718 ANDERSEN MN 55442 Single Family Primary Purchase Reduced 0029571734 ALDAG WI 53083 PUD Primary Refinance Standard 0029571759 BROWNRIDGE MO 63017 PUD Primary Cash-out Refinance Standard 0029571767 JAFFE MN 55305 PUD Primary Purchase Standard 0029571874 MENDOZA TX 78023 PUD Primary Refinance Standard 0029572054 NITZSCHE IL 60614 Single Family Primary Purchase Standard 0029572096 NYMBERG OH 45040 PUD Primary Purchase Standard 0029573920 OLIVER TX 77057 PUD Primary Purchase Reduced 0029573961 MILLER CA 92860 Single Family Primary Cash-out Refinance Standard 0029573987 HONEYWELL CA 95476 Single Family Primary Purchase Standard 0029575925 ANTRILLO CO 80228 PUD Primary Purchase Stated 0029577152 MOELLER CA 92211 PUD Primary Purchase Reduced 0029577491 CLAUSEN KY 40206 Single Family Primary Purchase Reduced 0029577558 GROSSMAN IL 60044 Single Family Primary Cash-out Refinance Reduced 0029577707 DRELLER MO 63017 PUD Primary Cash-out Refinance Standard 0029578176 BASILE NJ 07078 Single Family Primary Purchase Standard 0029578192 KIM CA 92677 PUD Primary Purchase Reduced 0029578655 KINNALLY NY 10962 Single Family Primary Purchase Standard 0029578721 GLISSMAN CA 94972 Single Family Primary Purchase Reduced 0029579422 MARGESON VA 20175 Single Family Primary Purchase Standard 0029580172 POWERS WA 98012 PUD Primary Purchase Standard 0029580453 SYKES VA 20124 PUD Primary Cash-out Refinance Reduced 0029580529 KEARNEY VA 22041 PUD Primary Purchase Standard 0029580586 KLION NY 10590 Single Family Primary Refinance Reduced 0029580602 ROCKE CA 94611 Single Family Primary Cash-out Refinance Reduced 0029580644 WHITE DC 20009 Townhouse Primary Refinance Reduced 0029580677 MULLIGAN TN 37932 Single Family Primary Refinance Reduced 0029580693 TOLRUD FL 33702 PUD Primary Purchase Reduced 0029580727 CARR DC 20015 Single Family Primary Refinance Reduced 0029580776 LINDBERG VA 22101 Single Family Primary Cash-out Refinance Reduced 0029580859 STEIN NJ 07627 Single Family Primary Purchase Reduced 0029580925 WERNER VA 20152 PUD Primary Purchase Reduced 0029580941 WASSERMAN NJ 07024 Condominimum Primary Purchase Reduced 0029580982 ORLANDO DC 20003 Single Family Primary Purchase Reduced 0029581030 MARCUM VA 22066 PUD Primary Purchase Reduced 0029581089 BATCHELOR VA 22124 Single Family Primary Purchase Reduced 0029582038 STRAUSS VA 22182 Single Family Primary Refinance Standard 0029582301 KIM NJ 07470 Single Family Primary Purchase Reduced 0029582368 TELEGA WI 53045 Single Family Primary Refinance Standard 0029582392 BUMPASS CT 06001 Single Family Primary Purchase Standard 0029582525 GRAHAM TX 75093 PUD Primary Refinance Reduced 0029582582 SLOWEY NJ 08057 Single Family Primary Refinance Standard 0029582772 WILLIAMS NJ 08054 Single Family Primary Cash-out Refinance Reduced 0029583168 CURHAN FL 34241 PUD Primary Purchase Reduced 0029583382 SUDHARSANAN CA 91381 PUD Primary Purchase Reduced 0029583473 NOGUEIRA CA 92688 PUD Primary Purchase Reduced 0029583549 SWENSON CA 93021 PUD Primary Purchase Reduced 0029583606 NGUYEN CA 95133 Single Family Primary Purchase Reduced 0029583671 PAGAN JR FL 34238 PUD Primary Purchase Reduced 0029588019 SHEPARD NY 11937 Single Family Primary Purchase Reduced 0029589322 HAEUSSNER CO 80203 Single Family Primary Refinance Reduced 0029590106 STEPHENS WA 98075 PUD Primary Refinance Reduced 0029591526 MACDOUGALL FL 33328 PUD Primary Purchase Standard 0029591542 MAJLESSI DC 20037 Condominimum Primary Purchase Reduced 0029591641 HAVENS CA 93420 PUD Primary Purchase Standard 0029591682 GREENE NY 12533 Single Family Primary Purchase Standard 0029591765 DELAPP WA 98072 Single Family Primary Purchase Reduced 0029591880 CLAUSSEN CO 80111 PUD Primary Cash-out Refinance Standard 0029591922 BORTNICK CA 95746 PUD Primary Purchase Standard 0029592128 CHIOU TX 76006 PUD Primary Refinance Reduced 0029592235 HART ME 04096 Single Family Primary Purchase Standard 0029593027 DRUMHELLER VT 05445 Single Family Primary Refinance Standard 0029593167 JEWS MD 20882 PUD Primary Refinance Standard 0029593225 JOHNSON AZ 85248 PUD Primary Purchase Reduced 0029593241 ROTTSOLK WA 98199 Single Family Primary Purchase Standard 0029593308 SCOTT AZ 85310 PUD Primary Refinance Standard 0029593456 ROTHBERG NY 10604 PUD Primary Purchase Reduced 0029593480 FISCHER WA 98053 PUD Primary Purchase Reduced 0029593548 DAVIS AL 35406 Single Family Primary Purchase Standard 0029597259 NOLLEN WA 98003 Single Family Primary Purchase Standard 0029600939 ONEIL CA 94538 PUD Primary Purchase Reduced 0029601135 KEVILLE CA 92008 PUD Primary Purchase Reduced 0029603362 KRAUS TX 77382 PUD Primary Purchase Reduced 0029621851 NG CA 94596 Single Family Primary Purchase Standard 0029632528 BASILICO IL 60504 PUD Primary Purchase Standard 0029634557 JACOBSEN WA 98105 Single Family Primary Cash-out Refinance Reduced 0029634730 PINO NC 27915 PUD Secondary Purchase Reduced 0029638392 WONG CA 94544 Single Family Primary Purchase Standard 0029641461 MAXWELL VA 20171 PUD Primary Cash-out Refinance Reduced 0029646965 GIRVAN NJ 08853 Single Family Primary Purchase Reduced 0029661717 RANDALL IL 60012 Single Family Primary Refinance Reduced 0029673092 THOMAS WA 98052 PUD Primary Purchase Reduced 0099000960 DOERPINGHAUS MD 20850 PUD Primary Purchase Reduced 0099001257 ROUSH MD 21666 Single Family Primary Purchase Standard 0099001372 CHAN VA 20171 PUD Primary Purchase Reduced 0099002453 MCKINNEY TX 75070 PUD Primary Purchase Standard 0099002750 LETTS CO 80124 PUD Primary Refinance Standard 0099003170 BOOKHARDT CO 80016 PUD Primary Purchase Reduced 0099003956 SCHAUFLER CA 94024 Single Family Primary Refinance Standard 0099004095 DE LA CRUZ CA 95762 Single Family Primary Refinance Standard 0099005613 ANDREATOS VA 22030 Single Family Primary Purchase Reduced 0099005928 REBOTON CA 95148 Single Family Primary Purchase Standard 0099006942 FOX MI 48348 Single Family Primary Refinance Reduced 0099007148 GRUMBLES VA 22207 Single Family Primary Purchase Reduced 0099007437 LANEY CO 80906 PUD Primary Purchase Standard 0099007569 PRINCE TX 75205 Single Family Primary Refinance Reduced 0099007619 REAVES CA 92887 Single Family Primary Refinance Standard 0099007825 HILL TX 75209 Single Family Primary Refinance Standard 0099007858 WRIGHT VA 20187 PUD Primary Purchase Standard 0099008526 MCNAMARA CA 95060 PUD Primary Cash-out Refinance Standard 0099008781 NEWMAN CO 80020 Single Family Primary Purchase Reduced 0099009284 MCKINNON III VA 22201 Single Family Primary Cash-out Refinance Standard 0099009540 MAASS CA 94577 Single Family Primary Purchase Standard 0099010381 WARNER TX 78739 PUD Primary Purchase Standard 0099010530 SCHALLAU CA 95127 Single Family Primary Cash-out Refinance Reduced 0099010555 PHILLIPS CA 90025 Single Family Primary Refinance Standard 0099010589 BARNEY CA 95070 Single Family Primary Cash-out Refinance Standard 0099010605 WHITNEY CA 95051 Single Family Primary Refinance Standard 0099010837 KAUFMAN CA 94114 Condominimum Primary Purchase Standard 0099011371 KABIRI VA 22207 Single Family Primary Purchase Reduced 0099012247 SMITH GA 30066 PUD Primary Purchase Standard 0099014003 SYED CA 95123 Single Family Primary Cash-out Refinance Standard 0099014086 MENIKETTI CA 95051 Single Family Primary Refinance Reduced 0099014383 THILTGEN CA 95062 PUD Primary Cash-out Refinance Standard 0099014508 CREASMAN GA 30066 PUD Primary Purchase Reduced 0099014805 GETZ CA 94132 Single Family Primary Cash-out Refinance Reduced 0099015729 PRIVAT CA 94102 Condominimum Primary Refinance Standard 0099015778 MCELDOWNEY CO 80209 Single Family Primary Refinance Standard 0099016271 ALLEN JR CA 95132 Single Family Primary Cash-out Refinance Standard 0099016297 BLAIKIE CA 94127 Single Family Primary Cash-out Refinance Standard 0099016461 CORNELIUS NC 28105 PUD Primary Purchase Reduced 0099017337 MOORE CA 95076 Condominimum Secondary Refinance Standard 0099018392 PASSADORE CA 94568 PUD Primary Purchase Reduced 0099018574 SCANAMEO FL 32308 Single Family Primary Purchase Standard 0099018947 HANNA VA 20176 PUD Primary Purchase Reduced 0099018954 SCOTT VA 22030 Single Family Primary Purchase Reduced 0099019002 PARENT VA 20147 PUD Primary Purchase Reduced 0099019952 DUBA CA 94583 Single Family Primary Cash-out Refinance Standard 0099019960 YIP CA 94014 Condominimum Primary Cash-out Refinance Standard 0099020224 REVERE WA 98105 Single Family Primary Cash-out Refinance Standard 0099020612 MITSCHKE CA 94596 Single Family Primary Cash-out Refinance Standard 0099020646 WENDT CO 80021 Single Family Primary Refinance Standard 0099020927 TSOUKANELIS CT 06870 Single Family Primary Refinance Standard 0099020935 JANDRISEVITS CA 94568 PUD Primary Purchase Standard 0099021321 DELEON III TX 77056 PUD Primary Refinance Reduced 0099021693 SCHUMANN OH 43206 Single Family Primary Refinance Standard 0099021701 SISCO GA 30144 PUD Primary Purchase Reduced 0099025256 MECARTEA NV 89052 PUD Primary Purchase Standard 0099028540 BENSON WA 98133 Single Family Primary Refinance Standard 0099029001 DELGADO CA 92821 PUD Primary Refinance Standard 0099032690 WELLS CA 94010 Single Family Primary Cash-out Refinance Standard 0099033532 TAYLOR CA 94044 Single Family Primary Cash-out Refinance Reduced 0099033540 BURRIS CA 92612 PUD Primary Cash-out Refinance Standard 0099034415 MCDANIEL CA 95131 Condominimum Primary Purchase Standard 6002719539 WALKER JR FL 32459 Single Family Secondary Purchase Reduced 6004085574 HARRIS CA 95472 Single Family Primary Purchase Reduced 6005286262 ARIAS VA 23454 Single Family Primary Purchase Standard 6005495194 MILLER CA 92808 PUD Primary Refinance Standard 6005866253 EMERSON CA 96161 PUD Secondary Refinance Standard 6007009266 ALLEN PA 15004 PUD Primary Purchase Reduced 6007960146 PAYNE CA 94558 Single Family Primary Purchase Reduced 6008364504 WELLS CA 94608 Two Family Primary Purchase Standard 6010195037 CONNOR MA 02554 Single Family Secondary Refinance Standard 6012517626 WISE CA 90291 Single Family Primary Cash-out Refinance Standard 6013466807 MCMILLAN CA 92887 PUD Primary Refinance Standard 6014867755 RICHARDS CA 90066 Single Family Primary Purchase Reduced 6017837953 WEILLER NM 87501 Single Family Secondary Purchase Reduced 6018216231 ZHANG CA 92688 Single Family Primary Refinance Reduced 6018606977 HICKSON CA 90068 Single Family Primary Purchase Reduced 6018978574 WILSON CA 94122 Single Family Primary Refinance Reduced 6019194874 NEWTON CA 93907 Single Family Primary Refinance Reduced 6021547895 LIPPS CA 90266 Single Family Primary Refinance Standard 6021922254 BELLAMY CA 93065 PUD Primary Cash-out Refinance Standard 6022170713 AKEMANN CA 94061 Single Family Primary Purchase Standard 6026569209 STARR CA 95125 Single Family Primary Purchase Standard 6026961778 FORD DC 20011 Single Family Primary Refinance Standard 6029501407 COCHRAN CA 90501 Single Family Primary Purchase Standard 6029696645 TREIRES VA 20124 PUD Primary Refinance Standard 6030676362 TOMCHIN MD 20815 Single Family Primary Refinance Reduced 6032169374 AGUIRRE CA 95148 Single Family Primary Cash-out Refinance Standard 6034508991 WASON CA 93908 Single Family Primary Refinance Standard 6035114237 LIU CA 94087 Single Family Primary Refinance Reduced 6036166665 LIND ID 83642 Single Family Primary Refinance Standard 6039053894 KAMIMOTO CA 90266 Single Family Primary Refinance Reduced 6039379505 SENZAKI CA 95003 Single Family Primary Purchase Reduced 6042723913 RADINE CA 94010 Single Family Primary Purchase Standard 6044291943 STEWART CA 92651 Single Family Primary Cash-out Refinance Reduced 6044381991 ROYSTON CA 95403 Single Family Primary Purchase Standard 6044930623 ENTLEY CA 95136 Condominimum Primary Purchase Reduced 6046034143 WILLIAMS SC 29642 Single Family Primary Refinance Reduced 6047915779 INIGUEZ CA 94903 Single Family Primary Cash-out Refinance Reduced 6049162438 ANDELMAN CA 94708 Single Family Primary Purchase Reduced 6049212472 PETERSEN CA 94517 Single Family Primary Purchase Reduced 6049440644 LARSEN SR CA 95020 Single Family Primary Cash-out Refinance Reduced 6050249991 MARANO CA 95133 PUD Primary Purchase Reduced 6050293494 FIELDS NC 27614 PUD Primary Refinance Reduced 6050683975 CAPPS DC 20009 Single Family Primary Purchase Standard 6052106272 LONG CA 91739 Single Family Primary Purchase Reduced 6052170120 DODSWORTH CA 95037 PUD Primary Refinance Reduced 6053060262 RAVINDRAN FL 33908 High-Rise Condo Primary Purchase Reduced 6055447947 GATES CA 94618 Single Family Primary Purchase Reduced 6056283366 EVANS GA 30327 PUD Primary Refinance Standard 6059971165 RAKER CA 93953 Condominimum Primary Refinance Standard 6061239288 CAETANO FL 33647 PUD Primary Purchase Standard 6061910037 EVANS CA 95023 PUD Primary Refinance Reduced 6064295030 LYMAN CA 95037 Single Family Primary Purchase Reduced 6064626556 MAGUIRE FL 33076 PUD Primary Cash-out Refinance Standard 6065150853 SPERBER CA 90275 Single Family Primary Cash-out Refinance Standard 6066378701 WIXOM VA 20176 PUD Primary Purchase Reduced 6070179368 LEE CHAL CA 94579 PUD Primary Refinance Standard 6070817264 LANCASTER III MD 21054 PUD Primary Purchase Standard 6072336180 GOODRICH CA 90266 Single Family Primary Purchase Reduced 6073640150 RISNER TN 38139 Single Family Primary Purchase Reduced 6073810282 GESTUVO CA 94591 Single Family Primary Purchase Reduced 6073834100 WALLACE CA 93611 PUD Primary Cash-out Refinance Reduced 6077000286 SANFORD CA 95616 Single Family Primary Purchase Standard 6077452545 VILLEGAS CA 92676 Single Family Primary Refinance Standard 6077628037 LUK CA 95014 Single Family Primary Cash-out Refinance Reduced 6078464838 ALBERTI CA 93012 Single Family Primary Purchase Standard 6080942060 OLIVEIRA CA 95127 Condominimum Primary Purchase Reduced 6084018628 MILLER NY 11561 Single Family Primary Purchase Reduced 6089268186 MULLINS CA 94127 Single Family Primary Cash-out Refinance Reduced 6090151512 LENZ CA 95762 Single Family Primary Purchase Reduced 6091665437 LEE CA 94066 Single Family Primary Purchase Standard 6094685176 LEWIS CA 92118 Condominimum Secondary Cash-out Refinance Standard 6094852271 COSTA CA 93908 PUD Primary Cash-out Refinance Reduced 6095538358 PERRY CA 94110 Two Family Primary Cash-out Refinance Standard 6098600072 WIGGERS JR MD 20882 Single Family Primary Refinance Reduced 6098821504 DERR CA 95762 PUD Primary Refinance Reduced 6098966747 DRUAR MA 02038 Single Family Primary Refinance Reduced 6100289773 PETERSON CA 92651 Single Family Primary Refinance Reduced 6100562757 WALKER WA 98029 Single Family Primary Refinance Standard 6103563638 REASON CA 94566 Single Family Primary Cash-out Refinance Standard 6103576853 ODOOM CA 94114 Condominimum Primary Refinance Standard 6103763220 ECHARTE FL 33146 Single Family Primary Purchase Reduced 6109105210 PAINTER NC 27605 Single Family Primary Purchase Reduced 6109906104 CHIOINI CA 95032 Condominimum Secondary Purchase Standard 6114638775 BREWER CA 90275 Single Family Primary Refinance Reduced 6116870848 LOCKYER CA 94566 Single Family Primary Cash-out Refinance Standard 6117028875 GHAFFARI NM 87580 Single Family Primary Cash-out Refinance Standard 6117247186 ZOOK TX 78258 PUD Primary Refinance Standard 6118121505 CUMMINS CA 90740 Single Family Primary Purchase Standard 6118586723 BIELASKI NC 27927 PUD Secondary Refinance All Ready Home 6119754528 EVANS CA 94952 Single Family Primary Cash-out Refinance Standard 6122545848 SILVA CA 94526 Single Family Primary Cash-out Refinance Standard 6126798567 LETH CA 92705 Single Family Primary Purchase Reduced 6127395215 MILLER TX 75248 PUD Primary Purchase Standard 6128006225 CRENSHAW TX 75009 Single Family Primary Refinance Standard 6130357160 HOUCK CA 95124 Single Family Primary Purchase Standard 6130595926 PRICE CO 81435 Condominimum Investor Purchase Standard 6130830786 HARTY CA 93906 Single Family Primary Purchase Reduced 6133351665 FLICKNER CA 93940 Single Family Primary Cash-out Refinance Standard 6135807896 KEEGAN VA 22124 PUD Primary Purchase Standard 6137130180 GIDNER VA 22207 Single Family Primary Purchase Reduced 6138630527 MCKINLEY CA 96137 PUD Primary Cash-out Refinance Reduced 6139791641 GROSHONG CA 94107 Single Family Primary Cash-out Refinance Reduced 6142420840 AUWAERTER MD 21093 Single Family Primary Refinance Standard 6145612922 BRESCIA SC 29451 PUD Primary Cash-out Refinance Standard 6149137074 LOEHWING CA 91042 Single Family Primary Purchase Standard 6149216480 MCFARLAND CA 94707 Single Family Primary Purchase Reduced 6151517890 SCHLAEGER CA 90036 Single Family Primary Purchase Reduced 6154064239 BENNER CA 91604 Single Family Primary Refinance Standard 6155487454 MINA FL 32963 PUD Secondary Purchase Reduced 6161309080 TIBACKX CA 92626 Single Family Primary Purchase Standard 6163032748 MARTILLO CA 90045 Single Family Primary Cash-out Refinance Reduced 6163850610 PRYOR CA 94124 Single Family Primary Refinance Reduced 6164070572 BARRETT VA 20181 Single Family Primary Refinance Reduced 6164381144 MILLETTE JR CA 90025 Condominimum Primary Purchase Standard 6166593522 MOLITOR CA 92630 PUD Primary Purchase Reduced 6167292132 ABDEL-KHALIQ CA 95123 Single Family Primary Cash-out Refinance Standard 6169776587 OLINTO CA 92677 PUD Primary Purchase Reduced 6170139973 UYEDA CA 94086 Single Family Primary Purchase Reduced 6170258229 MAGNUSON CA 95037 Single Family Primary Refinance Reduced 6171261768 RUVALCABA CA 94103 Condominimum Primary Cash-out Refinance Standard 6172850759 BEELER AZ 85016 PUD Secondary Refinance Standard 6172914910 BILL CA 92027 PUD Primary Purchase Reduced 6172935824 ASHBY TN 37215 Single Family Primary Refinance Reduced 6173652238 TU CA 94132 Single Family Primary Refinance Standard 6175744116 SLAWSON OK 73034 PUD Primary Purchase Reduced 6177538888 MACHT CA 94920 Single Family Primary Refinance Standard 6180630516 YAFFE CA 94065 Single Family Primary Refinance Reduced 6181107209 LAM CA 94506 PUD Investor Purchase Standard 6182591898 DUNBAR CA 95037 Single Family Primary Cash-out Refinance Standard 6182987724 KLASSMAN IL 60089 Single Family Primary Refinance Reduced 6185735690 GODFREY CA 94708 Single Family Primary Purchase Standard 6187659096 ENDRES CA 91941 Single Family Primary Refinance Standard 6191343562 FEINSTEIN CA 95070 PUD Primary Cash-out Refinance Reduced 6192113857 GLOVER CA 95076 Single Family Primary Cash-out Refinance Reduced 6192219704 ABGINEHSAZ NY 11364 Single Family Primary Purchase Standard 6192863725 SANDERSON WV 25414 Single Family Primary Cash-out Refinance Standard 6193395008 BRIGGS CO 80906 Single Family Primary Refinance Reduced 6193550784 FALLIS AL 35128 Single Family Primary Purchase Reduced 6199168870 FOLLANSBEE CA 94401 Single Family Primary Refinance Reduced 6200048665 MAY CA 91020 Single Family Primary Purchase Reduced 6200529417 BRAIMOH CA 94541 Single Family Primary Purchase Standard 6200571781 BRUNO NY 11560 Single Family Primary Refinance Reduced 6200940903 CVETOVAC CA 94066 Single Family Primary Purchase Reduced 6201009385 TANG CA 94404 PUD Primary Purchase Reduced 6202383409 ATHANASOULIS CA 94708 Single Family Primary Refinance Standard 6202412315 PENTONY CA 95442 Single Family Secondary Purchase Standard 6203822595 HEYN CA 95682 Single Family Primary Refinance Standard 6204509399 KARLIN CA 91423 Single Family Primary Purchase Reduced 6204937905 JOY CA 92679 PUD Primary Purchase Reduced 6205527028 CRAWFORD CA 92118 Single Family Primary Refinance Standard 6206441765 MILLS CA 94563 Single Family Primary Cash-out Refinance Reduced 6208545175 TUTTLE CA 92082 Single Family Primary Purchase Reduced 6209693677 FREY CA 95672 Single Family Primary Refinance Reduced 6209956314 CUTLER CA 91436 Single Family Primary Purchase Reduced 6211288730 CULBERTSON CA 94530 Single Family Primary Purchase Reduced 6212846460 VU CA 94539 PUD Primary Refinance Reduced 6213349902 LEGRYS MD 21044 Single Family Primary Purchase Reduced 6213432609 LEWIS CA 90292 Condominimum Primary Refinance Reduced 6214406537 SHUBOW CO 80246 Single Family Primary Refinance Reduced 6215712222 AMERIE TX 78746 Single Family Primary Purchase Standard 6218446463 WOLAK FL 34241 PUD Primary Purchase Standard 6219905384 PEER NV 89021 Single Family Primary Refinance Standard 6221168203 ALDEN CA 92648 Single Family Primary Purchase Reduced 6223411858 RUNYEN CA 93117 PUD Primary Purchase Reduced 6224251717 PHELPS JR CA 93953 Single Family Primary Cash-out Refinance Reduced 6226073317 FORD CA 93105 Single Family Primary Purchase Reduced 6228130701 DANFORD SC 29582 PUD Primary Cash-out Refinance Reduced 6228275944 TOURNAS DC 20009 Two Family Primary Purchase Standard 6228625478 DELA CRUZ CA 94552 Single Family Primary Cash-out Refinance Reduced 6229628182 NIESEN CA 91107 Single Family Primary Purchase Standard 6229734378 ANDERSON CA 95060 PUD Primary Purchase Standard 6232306628 HO CA 95050 PUD Primary Purchase Reduced 6232948650 LIVAK CA 92653 Single Family Primary Cash-out Refinance Standard 6234746052 LANGFORD TX 78750 PUD Primary Purchase Reduced 6237144610 FACCIOLLA CA 95014 Single Family Primary Cash-out Refinance Standard 6239344986 WAKEFIELD CA 91007 Single Family Primary Refinance Standard 6239691949 DA SILVA MD 20816 Single Family Primary Refinance Standard 6242117445 ABBOTT CA 94404 Condominimum Primary Purchase Reduced 6244109036 JOHNSON IL 60010 Single Family Primary Refinance Standard 6244815228 PRAKASH CA 95117 Single Family Primary Refinance Reduced 6245579930 LEE CA 94803 Single Family Primary Cash-out Refinance Standard 6245879751 STONE MA 01921 Single Family Primary Purchase Standard 6247296608 RANJAN CA 94965 Condominimum Primary Purchase Reduced 6247958686 MAJURE CA 94546 PUD Primary Cash-out Refinance Standard 6251032741 MCKISSICK FL 33040 Single Family Primary Purchase Reduced 6251677693 FISH CA 94122 Single Family Primary Purchase Reduced 6252187650 LEIGHTON CA 90254 Two Family Primary Purchase Standard 6252389363 BRUML CA 94402 Single Family Primary Cash-out Refinance Standard 6254148098 BELL CA 90732 Single Family Primary Refinance Reduced 6255406164 MORLAND CA 92677 PUD Primary Refinance Reduced 6256332625 HECOX CA 91016 Single Family Primary Refinance Reduced 6257116886 OGREN MN 55014 Single Family Primary Refinance Reduced 6259715800 FAUT CO 80125 PUD Primary Purchase Reduced 6263459775 DEVITO FL 32210 Single Family Primary Purchase Reduced 6264289486 BEKERIS CA 90049 Single Family Primary Refinance Standard 6264429223 MARTIN AZ 86001 PUD Secondary Refinance Reduced 6265106580 CAMPBELL CA 95630 Single Family Primary Refinance Reduced 6266134110 WALL JR CA 94122 Single Family Primary Purchase Standard 6271222967 BRUEGGEMAN MD 20817 Single Family Primary Purchase Reduced 6271833136 FETTERLY NV 89451 Single Family Primary Cash-out Refinance Standard 6272128395 MARTIN CA 95051 Single Family Primary Purchase Reduced 6272357770 MAH CA 90278 Condominimum Primary Purchase Standard 6273857349 LATTA CA 94708 Single Family Primary Purchase Reduced 6274158234 HOOVER CA 92009 PUD Primary Refinance Standard 6276409445 SOTHORON JR VA 22079 Single Family Primary Purchase Reduced 6276921563 ALI CA 94014 Single Family Primary Purchase Standard 6278328429 GROBE NC 27106 PUD Primary Purchase Reduced 6279124850 ADAMS CA 92679 PUD Primary Cash-out Refinance Standard 6279842667 HALE TX 75022 PUD Primary Purchase Standard 6280548030 BLACKMON CA 91208 PUD Primary Refinance Standard 6283847439 HIGBEE CA 92648 Single Family Primary Cash-out Refinance Reduced 6284003495 BEERS CA 92253 PUD Primary Purchase Reduced 6284145098 KIM VA 22030 PUD Primary Refinance Standard 6285155203 ARNAUDON CA 94507 Single Family Primary Purchase Standard 6287243692 STRUYF CA 94070 Single Family Primary Cash-out Refinance Standard 6288072322 SALERNO CA 91354 PUD Primary Purchase Reduced 6289658012 BREWER III CA 92657 Single Family Primary Purchase Reduced 6290341624 CROSS MO 63017 PUD Primary Refinance All Ready Home 6293261910 PROCTOR CA 95123 Single Family Primary Cash-out Refinance Reduced 6293654916 DIM CO 80302 Single Family Primary Refinance Reduced 6293914229 SCIANDRI CA 94080 Single Family Primary Purchase Standard 6293932700 GREELEY WA 98177 Single Family Primary Refinance Reduced 6294660169 COLEMAN CA 95050 Single Family Primary Refinance Reduced 6294705592 CHAN CA 94579 Single Family Primary Refinance Reduced 6294842742 SARMENTO CA 94507 PUD Primary Cash-out Refinance Standard 6295159864 WHEELER CA 93908 PUD Primary Refinance Reduced 6295547910 PHILLIPS VA 22046 Single Family Primary Purchase Reduced 6296230235 SANCHEZ CA 95020 Single Family Primary Cash-out Refinance Standard 6297100395 KOSLOWSKY CA 95404 PUD Primary Refinance Reduced 6301868631 MARLER CA 90275 Single Family Primary Refinance Standard 6302416976 MARTIN SR MS 38654 PUD Secondary Purchase Standard 6306233070 GAO CA 95111 Single Family Primary Refinance Standard 6306697365 JOHNSON CA 92646 Single Family Primary Cash-out Refinance Standard 6307264751 WEATHERSBY CA 92102 Single Family Primary Refinance Standard 6318517460 CERRI CA 94706 Single Family Primary Purchase Standard 6319378920 ALLEN III CA 93906 Single Family Primary Purchase Reduced 6319796824 LEWIS CA 91603 Single Family Primary Purchase Reduced 6320103945 SMITH CA 92101 High-Rise Condo Primary Refinance Standard 6320679555 REYNOLDS CA 90403 Condominimum Primary Purchase Reduced 6320973073 WAXMAN CO 81435 PUD Secondary Refinance Standard 6321255975 HEDIN CO 80504 Single Family Primary Cash-out Refinance Standard 6321258417 SANDERS AZ 85018 Single Family Primary Refinance Reduced 6322415198 WILLIAMSEN CA 94954 Single Family Primary Cash-out Refinance Reduced 6323591781 HOLCOMBE SC 29609 Single Family Primary Refinance Standard 6324464079 BURCHAN KS 66208 PUD Primary Refinance Reduced 6325068424 VAN FOSSAN CA 92882 Single Family Primary Purchase Standard 6325201652 ACOCELLA DC 20015 Single Family Primary Purchase Standard 6326733836 MEDINA CA 90275 Single Family Primary Cash-out Refinance Standard 6329249269 CHANG CA 90274 PUD Primary Purchase Standard 6329457623 VELEZ CA 95076 PUD Primary Purchase Reduced 6329626847 ISRAEL DC 20015 Single Family Primary Refinance Standard 6329627696 KILMER IL 60305 Single Family Primary Cash-out Refinance Reduced 6332081303 VAN DER VEEN CA 92026 Single Family Primary Purchase Standard 6333105705 LLANOS CA 94536 Single Family Primary Refinance Standard 6333189386 FINKE CA 95476 Single Family Primary Purchase Standard 6334528947 MENDOZA CA 95337 Single Family Primary Purchase Standard 6335213804 COOK CA 94707 Single Family Primary Refinance Reduced 6336509499 KHAN CA 92648 PUD Primary Purchase Standard 6339869254 VALKONEN CA 94611 Single Family Primary Purchase Reduced 6340829115 REIFER DC 20007 Single Family Primary Purchase Standard 6343168065 PLUM CA 90020 Single Family Primary Purchase Standard 6343989072 MCCANN OK 74105 Single Family Primary Purchase Standard 6347457019 KRONICK MN 55318 Single Family Primary Refinance Reduced 6347582253 COHEN FL 33140 High-Rise Condo Primary Purchase Reduced 6347730514 BROCKSTEDT DE 19971 PUD Primary Refinance Reduced 6348489763 CHA CA 94588 Single Family Primary Purchase Standard 6348735538 DUNLAP III CA 94583 Single Family Primary Refinance Standard 6349126828 MACNABB NV 89135 PUD Primary Purchase Reduced 6350245343 SANDSTEDT CA 95602 PUD Primary Purchase Reduced 6351256141 LEE M D CA 90254 Condominimum Primary Purchase Reduced 6352519364 YOUNKIN CA 94805 Single Family Primary Purchase Reduced 6353504688 HAINER SC 29401 PUD Primary Purchase Reduced 6354125608 RICE CA 94705 Two Family Primary Cash-out Refinance Standard 6354951425 WILLIAMS SC 29928 PUD Primary Cash-out Refinance Standard 6361600254 MCAULIFFE CA 95123 Single Family Primary Cash-out Refinance Standard 6364760600 WHITLEY CA 90720 Single Family Primary Refinance Standard 6364811510 MCCAIN CA 92705 Single Family Primary Cash-out Refinance Reduced 6365460424 HENDERSON CA 95003 Single Family Primary Purchase Reduced 6365868303 MOROSINI CA 94611 Single Family Primary Purchase Standard 6366420815 AHN CA 94610 Single Family Primary Purchase Standard 6368377385 FORTUNE JR WA 99362 Single Family Primary Purchase Reduced 6372607256 FERNANDEZ CA 93950 Single Family Primary Refinance Reduced 6372873098 WINER CA 95404 PUD Primary Refinance Reduced 6375605745 GREEN CA 94019 PUD Primary Refinance Reduced 6375854475 BOGART CA 94610 Single Family Primary Purchase Standard 6376782964 LEON CA 94555 Single Family Primary Purchase Reduced 6379510834 GILLMAN M D CA 92677 PUD Primary Refinance Reduced 6384093149 VEAKIS CT 06820 Single Family Primary Purchase Reduced 6385016354 GUEDEZ CA 94112 Single Family Primary Cash-out Refinance Standard 6389869600 VILLAGRAN SR CA 94536 Single Family Primary Cash-out Refinance Standard 6390222427 ALEXANDER CA 94549 Single Family Primary Purchase Standard 6391909576 ROSSI CA 94110 Single Family Primary Refinance Standard 6392578990 MURPHY CA 90245 Single Family Primary Refinance Reduced 6394141466 MCNULTY CA 94127 Single Family Primary Cash-out Refinance Reduced 6395083329 CASTEEL CA 95135 Single Family Primary Cash-out Refinance Reduced 6397583607 BALL CA 90505 Single Family Primary Cash-out Refinance Reduced 6401088361 LAM CA 95014 Two Family Primary Cash-out Refinance Standard 6403709899 SHI CA 94560 PUD Primary Purchase Reduced 6404185271 GOEBEL AZ 85254 PUD Primary Refinance Standard 6405471100 NICHOLS CA 95037 Single Family Primary Cash-out Refinance Standard 6406393386 DAWSON CA 95135 Condominimum Primary Cash-out Refinance Standard 6410428459 BILOTTA MA 01583 Single Family Primary Cash-out Refinance Reduced 6411816801 VAKA CA 94587 Single Family Primary Cash-out Refinance Reduced 6413915601 GURUKAR CA 92614 PUD Primary Purchase Standard 6414555679 CHUANG CA 94086 Single Family Primary Purchase Reduced 6415539136 THORNTON CA 94116 Single Family Primary Purchase Reduced 6416171780 STALLER CA 94954 Single Family Primary Purchase Reduced 6417317697 JAMES CA 90056 Three Family Primary Purchase Standard 6417617468 LEE CA 94061 Single Family Primary Cash-out Refinance Reduced 6418235625 LAVAIL CA 94558 Single Family Primary Purchase Reduced 6418750953 BAILEY CA 95138 Condominimum Primary Refinance Standard 6419179178 SALLET MD 21617 Single Family Primary Refinance Reduced 6419691313 KATCHIGUIAN CA 92672 Condominimum Secondary Purchase Reduced 6419709420 FITZGERALD CA 92656 PUD Primary Refinance Standard 6420755917 SMITH CA 92625 Single Family Primary Refinance Standard 6425251839 ANDREJIC CA 91401 Single Family Primary Refinance Standard 6431342838 PETERS CA 95125 Single Family Primary Refinance Standard 6431571147 SAIKALY CA 90241 Single Family Primary Refinance All Ready Home 6433544589 FELDMAN CA 94952 Single Family Primary Purchase Reduced 6435413809 ALLEY CA 92021 Single Family Primary Refinance Reduced 6438781855 RUGGLES NC 27615 PUD Primary Purchase Standard 6439865053 EBERHARD CA 94030 Single Family Primary Cash-out Refinance Reduced 6441831184 GLANT ID 83340 Condominimum Secondary Purchase Reduced 6441868566 CHERN CA 91006 Single Family Primary Purchase Reduced 6442488364 HUYNH CA 94619 Single Family Primary Purchase Standard 6442642721 JONES TX 75703 PUD Primary Purchase Reduced 6443175309 HARTMARK CA 92620 PUD Primary Refinance Reduced 6445373456 CRUZ CA 94014 Single Family Primary Purchase Standard 6445547182 ROTHSTEIN IL 60062 Single Family Primary Refinance Standard 6449482253 ALBIN VA 20194 PUD Primary Purchase Standard 6450138182 STREETS CA 94117 Two Family Primary Cash-out Refinance Standard 6450388522 SMITH WA 98122 Single Family Primary Purchase Reduced 6455137551 LEONG CA 93010 PUD Primary Purchase Reduced 6458002760 SUPERSAD CA 94518 PUD Primary Purchase Standard 6458329304 GRADOVILLE CA 90274 Single Family Primary Purchase Reduced 6458671580 HEELAN IL 60060 Single Family Primary Refinance Reduced 6459275316 ERWIN CA 94061 Single Family Primary Cash-out Refinance Reduced 6465272976 YOUNG CA 91423 Single Family Primary Purchase Standard 6466221667 GOMBOSEV CA 92691 PUD Primary Purchase Reduced 6471373891 ADAMS CA 94517 Single Family Primary Cash-out Refinance Reduced 6472005468 LUKAS MA 01719 Single Family Primary Refinance Reduced 6472774675 SWARTZ MA 01864 Condominimum Primary Refinance Standard 6473998141 ZAFIRIS CA 95125 Two Family Primary Purchase Standard 6475854367 LEHMER CA 92007 Single Family Primary Purchase Reduced 6476147407 LE CA 94538 Single Family Primary Refinance Reduced 6479124361 AGUILAR CA 95121 Single Family Primary Refinance Standard 6480130001 HEINRICHS CA 95008 Single Family Primary Cash-out Refinance Reduced 6482760276 BEARE GA 30004 Single Family Primary Purchase Standard 6482993711 WEX MD 20854 Single Family Primary Refinance All Ready Home 6483487457 REYNOLDS CA 94506 PUD Primary Purchase Standard 6486948596 KOOPMAN CA 92037 Single Family Primary Refinance Reduced 6487087659 BONTADELLI CA 95060 Single Family Primary Refinance Reduced 6487112614 ULMER WA 98685 Single Family Primary Purchase Reduced 6491898562 CARTER CA 95120 Single Family Primary Purchase Standard 6492908501 HARRIS CA 92627 Single Family Primary Purchase Reduced 6492941973 BRODIE WA 98115 Single Family Primary Refinance All Ready Home 6498646550 FERNANDEZ CA 95075 PUD Primary Cash-out Refinance Reduced 6499621214 RICHARDSON CA 95603 Single Family Primary Refinance Timesaver-1 6499920145 PERRY MA 01845 Single Family Primary Cash-out Refinance Standard 6507025945 FORD CA 95472 Single Family Primary Refinance Standard 6507799689 ESPENSHIP CA 92705 Single Family Primary Purchase Reduced 6507947841 DANIELSON CA 94583 PUD Primary Refinance Standard 6508148225 HEINKEL CA 92591 PUD Primary Refinance Standard 6508902316 BLOCK CO 81620 High-Rise Condo Secondary Purchase Reduced 6510515106 MANSFIELD MD 20882 Single Family Primary Refinance Standard 6512721413 SPURLOCK FL 33706 Single Family Secondary Purchase Standard 6513789815 MOOS CA 94611 Single Family Primary Purchase Standard 6516762694 WALSH VA 22101 PUD Primary Purchase Reduced 6517488307 SHAW NC 27012 Single Family Primary Refinance Reduced 6517781982 CHEN CA 94303 PUD Primary Purchase Reduced 6520587566 SEELEY NV 89117 PUD Primary Purchase Standard 6523118633 NAVARRO CA 92131 Single Family Primary Refinance Reduced 6523235387 BROWN CA 94588 PUD Primary Cash-out Refinance Reduced 6524466932 REED CA 94563 Single Family Primary Cash-out Refinance Reduced 6524760359 CHRISTENSEN CA 92604 Condominimum Primary Purchase Reduced 6525185002 WILLIAMS CA 94607 Condominimum Primary Purchase Standard 6527521410 BAKER CA 90265 Single Family Primary Refinance All Ready Home 6530818456 KNIGHTLY CA 92110 Single Family Primary Purchase Reduced 6531075387 DENLINGER CA 94116 Single Family Primary Purchase Standard 6533196595 MEYERS CA 91741 Single Family Primary Purchase Standard 6534806986 BUCKLEY CA 92679 Single Family Primary Purchase Reduced 6536549592 WOON CA 94132 Single Family Primary Purchase Reduced 6541689094 MARCHOSKY CA 91001 PUD Primary Refinance Standard 6543204538 WESTBROOK SC 29205 Single Family Primary Purchase Standard 6544596031 BRYANT CA 95070 Single Family Primary Cash-out Refinance Standard 6545557172 GABRELS CA 90039 Single Family Primary Refinance Reduced 6546151702 MOLINE CA 91202 Single Family Primary Purchase Reduced 6547384476 KRONFELD CA 91377 PUD Primary Refinance Reduced 6548355558 SUNDARESAN CA 94587 Single Family Primary Purchase Reduced 6548365045 FLUHART CO 80134 PUD Primary Cash-out Refinance Standard 6548569208 LOYA CA 95148 Single Family Primary Purchase Reduced 6549249230 BOWMAN GA 30327 Single Family Primary Refinance All Ready Home 6549252226 ORTIZ CA 94002 Single Family Primary Cash-out Refinance Standard 6551519306 SPENCER CA 96150 Single Family Primary Purchase Standard 6556165675 U CA 94941 Single Family Primary Cash-out Refinance Standard 6559624710 SOLIS CA 95630 Single Family Primary Refinance Reduced 6559774606 DECKER CA 95762 PUD Primary Refinance Standard 6561681419 PAPKOV CA 95111 Single Family Primary Purchase Reduced 6564317003 QUIGLEY CA 91604 Single Family Primary Refinance All Ready Home 6564392758 CELAYA CA 94404 Single Family Primary Cash-out Refinance Standard 6566013873 AQUILA JR CA 94019 PUD Investor Purchase Standard 6566894249 PLATT CA 92130 PUD Primary Purchase Reduced 6567949539 ALVY TRUSTEE CA 91302 Single Family Primary Refinance Reduced 6568458332 MORARIU CA 94539 Single Family Primary Purchase Reduced 6570046596 MILONE CA 92067 PUD Primary Refinance Standard 6570148103 PURINS MN 55345 Single Family Primary Cash-out Refinance Reduced 6572233432 BUCK OR 97402 Single Family Primary Purchase Reduced 6574494222 NAVARRO CA 92109 Single Family Primary Refinance All Ready Home 6574761877 STOWE CA 93101 Single Family Primary Cash-out Refinance Reduced 6579363398 DARFLER CA 94127 Single Family Primary Refinance All Ready Home 6581366074 HAO CA 95129 Single Family Primary Purchase Reduced 6582575533 RALSTON CA 92679 PUD Primary Purchase Standard 6583075129 CLOGSTON AR 72223 Single Family Primary Purchase Reduced 6584271487 BUNKER CA 95128 Single Family Primary Purchase Standard 6584526336 GLOVER GA 30350 Single Family Primary Purchase Standard 6585475764 MINN CA 90266 Single Family Primary Purchase Reduced 6586263789 ENTSMINGER CA 92887 PUD Primary Refinance Reduced 6586300136 ILL VA 23451 Single Family Primary Refinance Reduced 6588683448 LAWSON CA 94574 Single Family Primary Refinance Reduced 6589333076 PLACE CA 93449 Single Family Primary Refinance Reduced 6597048302 ARCHAMBAULT JR PA 19454 Single Family Primary Refinance Standard 6598335922 BERSON VA 22182 Single Family Primary Purchase Reduced 6600214818 HARRIS FL 32746 PUD Primary Purchase Reduced 6601157099 ROFFEY CA 95120 Single Family Primary Purchase Reduced 6601652925 PETROFSKY CA 95030 Single Family Primary Purchase Standard 6601749432 CULLEN III CA 94038 Single Family Primary Purchase Reduced 6605157616 HOLCMAN CA 92107 Single Family Primary Purchase Standard 6605282414 KOTARA CA 94121 Condominimum Primary Purchase Standard 6605617908 GINGILOSKI JR CA 92067 PUD Primary Cash-out Refinance Standard 6606609136 LAM CA 92708 Single Family Primary Purchase Reduced 6607800825 YOUNG CO 80031 PUD Primary Refinance Reduced 6607877492 WEIST SC 29680 Single Family Primary Refinance Reduced 6607915326 COURTNEY CA 94002 Single Family Primary Purchase Reduced 6607923858 SOWERS CA 94015 PUD Primary Refinance Standard 6608443609 BEDOLLA CA 95023 Single Family Primary Cash-out Refinance Standard 6612051208 MYERS CA 94061 Condominimum Primary Cash-out Refinance Standard 6612885100 WRAY CA 92677 PUD Primary Purchase Reduced 6613599775 ISENBERG CA 94112 Single Family Primary Refinance Reduced 6613688123 RAZAVI VA 22182 PUD Investor Purchase Standard 6614321567 MCCLOSKEY CA 94583 PUD Primary Purchase Reduced 6618136045 BAJOREK CA 95128 Two Family Primary Refinance Reduced 6620950151 TRUONG CA 94122 Single Family Primary Purchase Reduced 6625583957 MAROTTA MA 01776 Single Family Primary Refinance Reduced 6627413377 MEDINA CA 93905 Single Family Primary Purchase Reduced 6629683068 MCCREERY JR CA 95746 Single Family Primary Refinance Reduced 6631179162 CLARK MD 20817 Single Family Primary Refinance Reduced 6631656920 WYGODA NY 11230 Single Family Primary Cash-out Refinance Standard 6631673180 HUTSON CA 92677 PUD Primary Purchase Reduced 6633041394 MUETZENBERG CA 94587 Single Family Primary Purchase Reduced 6633199440 BOROCHOV NY 11023 Single Family Primary Purchase Standard 6634128331 MORSE CA 90277 Two Family Primary Cash-out Refinance Standard 6634173162 MAZUREK IL 60564 Single Family Primary Purchase Reduced 6635398180 CASSINELLI CA 93908 PUD Primary Purchase Standard 6636562222 WAHRER CA 94552 Single Family Primary Purchase Reduced 6638468428 OLIVER MD 20814 PUD Primary Refinance Reduced 6639135281 MACDONALD FL 34102 Condominimum Primary Purchase Standard 6639379814 GASKIN VA 23503 Single Family Secondary Refinance Standard 6641562894 BUTLER II CA 94568 Single Family Primary Refinance Standard 6642135393 CULCASI-IVERS CA 93908 Single Family Primary Refinance Reduced 6642136250 JONES NM 87571 Single Family Primary Refinance Standard 6645137271 BHAPPU CO 80016 Single Family Primary Refinance Standard 6646346103 LAWYER JR TX 78634 Single Family Primary Refinance Reduced 6648981279 READE CA 94901 Single Family Primary Cash-out Refinance Reduced 6649586887 PETERSON CA 94506 Single Family Primary Cash-out Refinance Reduced 6650653824 GRAHAM NC 27954 PUD Primary Refinance Standard 6652992808 SAMSON NY 11598 Single Family Primary Cash-out Refinance Standard 6654153367 GIBINO CA 95060 Single Family Primary Cash-out Refinance Standard 6655031679 HOHMAN MD 20814 Single Family Primary Purchase Reduced 6655532015 WETSTONE WA 98033 Condominimum Primary Refinance Reduced 6655897889 BERNTSEN CA 95045 Single Family Primary Refinance Reduced 6656241756 BAHRAMI CA 95120 Single Family Primary Refinance Reduced 6656586010 PERRYMAN CA 92082 Single Family Primary Purchase Standard 6656895197 GOLDHIRSH IL 60035 Single Family Primary Purchase Reduced 6658234031 COOL NJ 07701 Single Family Primary Purchase Reduced 6661391372 DANIEL MO 63119 Single Family Primary Cash-out Refinance Reduced 6664051700 HEALY CA 94506 PUD Primary Refinance Standard 6665173875 HAGEL CA 94526 Single Family Primary Purchase Reduced 6666025181 BURK CA 94705 Single Family Primary Refinance Standard 6666986044 CASTILLO CA 90240 Single Family Primary Purchase Reduced 6667652082 MILLER NV 89509 Single Family Primary Refinance Reduced 6667938499 DINAN CA 95037 Single Family Primary Refinance Standard 6669392059 BREBES CA 93422 Single Family Primary Cash-out Refinance Standard 6671273602 DIEHL III NC 28207 Single Family Primary Purchase Standard 6673312176 BURNETT CO 80126 Single Family Primary Refinance Reduced 6673679202 BECKER CA 92373 Single Family Primary Cash-out Refinance Reduced 6674330532 EISENBERG CA 90503 Single Family Primary Purchase Reduced 6674942062 TREVINO CA 95135 Single Family Primary Cash-out Refinance Standard 6675458969 QUINONES CA 95023 Single Family Primary Cash-out Refinance Standard 6676552927 MORROW VA 23185 PUD Primary Purchase Reduced 6676915835 HU CA 94506 PUD Primary Refinance Reduced 6679433158 WATTS GA 30339 Single Family Primary Cash-out Refinance Standard 6680768428 RAMOS CA 94583 Single Family Primary Refinance Reduced 6683306929 DIDONATO CA 94539 Single Family Primary Cash-out Refinance Standard 6684842039 KAITZ CA 92648 PUD Primary Purchase Reduced 6685896372 KLEINMAN FL 33498 PUD Primary Purchase Reduced 6686514537 BRASE OH 45040 PUD Primary Purchase Standard 6687496601 SANDERSON CA 94583 Single Family Primary Cash-out Refinance Standard 6687594868 MORRISON CA 94538 Single Family Primary Refinance Reduced 6688602652 CARR CA 90274 Single Family Primary Purchase Reduced 6692610014 BERMAN MA 02050 Single Family Primary Cash-out Refinance Reduced 6693380690 MILLER CO 80919 Single Family Primary Refinance Reduced 6695590858 CHOPP FL 32920 Condominimum Secondary Purchase Reduced 6696714465 GREER CA 92270 PUD Primary Purchase Standard 6697305917 CHRISTENSEN CA 94402 Single Family Primary Refinance Reduced 6698593099 LOVELY CA 94954 Single Family Primary Purchase Standard 6698777544 BUBLIK CA 92691 PUD Primary Purchase Reduced 6700085787 SAMUELS CA 91377 PUD Primary Refinance Reduced 6702601490 ANDERSON CA 92117 Single Family Primary Refinance Standard 6702715845 BLOHM SC 29672 PUD Secondary Purchase Reduced 6703576964 NORRIS CA 94506 PUD Primary Refinance Reduced 6707084114 HALL CA 92270 PUD Primary Purchase Standard 6708523870 GORDON CA 91107 Single Family Primary Cash-out Refinance Reduced 6710434991 GARFIAS CO 80465 PUD Primary Cash-out Refinance Standard 6711245255 LLOYD WA 98125 Single Family Primary Purchase Standard 6711379690 THIGPEN CA 94945 Single Family Primary Refinance Reduced 6711784659 TROTTER OH 45244 Single Family Primary Refinance Reduced 6713195649 DAVIES MD 21401 Single Family Primary Refinance Reduced 6714091466 TAFT CA 92037 Single Family Primary Purchase Standard 6715447303 DEGRUY JR CA 95138 Condominimum Primary Cash-out Refinance Standard 6718354324 DOUGHTY CA 94708 Single Family Primary Purchase Standard 6721852710 HALEY DC 20003 Single Family Primary Purchase Standard 6722105886 SZOBOSZLAY CA 95123 Single Family Primary Refinance Reduced 6722501399 ROBBINS CA 95018 Single Family Primary Cash-out Refinance Reduced 6723394539 JACOBS CA 95020 Single Family Primary Refinance Standard 6725414400 ANDERSON CA 95138 Single Family Primary Refinance Reduced 6727101260 LIVERMORE CA 95864 PUD Primary Cash-out Refinance Standard 6729601960 SORIANO CA 94591 Single Family Primary Cash-out Refinance Standard 6730000004 CONNIFF MA 02554 Single Family Primary Refinance Reduced 6731721772 KENDALL CA 91302 PUD Primary Cash-out Refinance Reduced 6732643280 DIACO FL 33629 Single Family Primary Purchase Reduced 6732920191 SORTO CA 94080 Single Family Primary Purchase Standard 6733129511 CARLOS CA 94044 Single Family Primary Purchase Standard 6733192055 ADELSON AZ 85251 Single Family Primary Refinance Reduced 6733752700 SERADJFAR CA 94552 Single Family Primary Cash-out Refinance Standard 6734969584 VILDAVSKI CA 94015 Single Family Primary Refinance Reduced 6736584019 HO CA 94536 Single Family Primary Refinance Standard 6736732295 FLEMING NM 87571 Single Family Secondary Refinance Standard 6737093309 FARZANEH CA 94087 Condominimum Primary Purchase Reduced 6737467842 OLEY GA 30542 PUD Primary Purchase Standard 6737749900 PANDYA VA 23113 Single Family Primary Purchase Standard 6739178660 OROPEZA CA 94112 Two Family Primary Purchase Standard 6739611793 KELEMEN CA 91351 Single Family Primary Purchase Reduced 6740078446 DEL CAMPO CA 94605 PUD Primary Cash-out Refinance Standard 6740096216 MUELLER CA 90503 Single Family Primary Refinance Reduced 6742985010 LAMBERT CA 92253 PUD Primary Refinance Reduced 6747346838 REID IL 60062 PUD Primary Refinance Reduced 6748613483 MILLER GA 30319 PUD Primary Purchase Reduced 6748702294 HARRINGTON FL 33498 PUD Primary Purchase Reduced 6748928725 ZEBER GA 30306 Single Family Primary Purchase Standard 6749934573 LIU NV 89011 PUD Primary Cash-out Refinance Standard 6750254424 FRANCESCONI MA 01730 Single Family Primary Purchase Reduced 6750792563 HARTMAN CA 94618 Single Family Primary Purchase Reduced 6754176128 TIGHE AZ 85234 Single Family Primary Cash-out Refinance Standard 6754239611 MEANY MD 21108 PUD Primary Refinance Reduced 6757212862 KARP CA 94560 Single Family Primary Cash-out Refinance Standard 6757799017 HOLLAND CA 90292 Condominimum Primary Refinance Standard 6760527967 LEPTICH FL 33914 Single Family Primary Refinance All Ready Home 6760865185 JOHNSON VA 22044 PUD Primary Purchase Standard 6761359238 MCLEOD CA 95472 Single Family Primary Refinance Standard 6762502331 MARTELLO FL 33496 PUD Primary Refinance Standard 6762961628 NAUMANN NC 27949 PUD Secondary Purchase Reduced 6762979174 ZAMBRANO FL 33165 Single Family Primary Purchase Standard 6766097882 CORDES CA 94019 PUD Primary Purchase Standard 6767426841 DE LOPEZ CA 95945 Two Family Primary Cash-out Refinance Standard 6767440727 ELSON DE 19807 Single Family Secondary Purchase Reduced 6768322445 BALL CA 94574 Single Family Primary Purchase Reduced 6770622774 ASHMORE CA 90056 Single Family Primary Cash-out Refinance Reduced 6774420068 BAE WA 98027 Single Family Primary Cash-out Refinance Standard 6777158228 ZIEGLER CA 93010 PUD Primary Cash-out Refinance Standard 6778187937 BERGLUND CA 91024 Single Family Primary Purchase Standard 6778461381 JOHNSON IL 60625 Single Family Primary Purchase Reduced 6778793643 DESTITO GA 30342 PUD Primary Purchase Standard 6781329955 COLEMAN NM 87501 Single Family Primary Purchase Standard 6783741157 VERTULLO CA 91377 Single Family Primary Refinance Reduced 6786717790 WITHAM CA 93001 Single Family Primary Refinance Standard 6788476213 MCANDREWS CA 95003 PUD Primary Cash-out Refinance Standard 6789911275 DIXON GA 30331 PUD Primary Refinance Standard 6790402165 SORENSON CA 92807 Single Family Primary Refinance Reduced 6790852880 JONES CA 93906 Single Family Primary Purchase Standard 6790917188 BRUTON OK 74105 PUD Primary Refinance Standard 6793054021 CHISPAN CA 94015 Condominimum Primary Purchase Standard 6793370112 POOLE JR FL 33037 Condominimum Secondary Purchase Reduced 6795019147 ROBERTI CA 90278 Single Family Primary Purchase Reduced 6795392395 BRAIMAH CA 90275 Single Family Primary Refinance Standard 6796190004 CARBAJAL CA 95126 Single Family Primary Cash-out Refinance Standard 6798122922 KROLL CA 92629 Condominimum Primary Cash-out Refinance Reduced 6798391022 VOGT CA 94536 PUD Primary Purchase Standard 6802223484 MILLER ID 83333 Single Family Primary Cash-out Refinance Standard 6802277068 SCHECHTER CA 96161 PUD Secondary Refinance Reduced 6803428025 FINLAY VA 22314 PUD Primary Purchase Reduced 6804655832 KIRKMAN CA 92037 Single Family Primary Refinance All Ready Home 6806608276 VANROSSUM GA 30342 PUD Primary Purchase Standard 6808864844 LINKOUS JR TX 77006 Single Family Primary Refinance All Ready Home 6810847241 LEONARD CA 92625 Single Family Primary Purchase Reduced 6811187100 CLUET MI 48348 Single Family Primary Cash-out Refinance Reduced 6813163331 WONG CA 94588 PUD Primary Purchase Standard 6814836133 LAKOFF CA 94709 Condominimum Primary Purchase Reduced 6817754002 BRAUN CO 80435 PUD Primary Cash-out Refinance Reduced 6819082998 ROBERTS CA 95476 Single Family Primary Purchase Standard 6821275697 SCHMOYER TX 76034 PUD Primary Purchase Standard 6821618359 CURTIN VA 22302 Single Family Primary Refinance Standard 6821687024 MAEDA JR CA 92677 PUD Primary Refinance All Ready Home 6825413211 FROSHMAN CA 95003 Single Family Primary Purchase Standard 6826642388 MEADE MA 02129 Condominimum Primary Refinance Reduced 6828118726 NEFF IN 46038 PUD Primary Purchase Standard 6830246192 SMEKAL CA 94546 Two Family Primary Purchase Reduced 6831116261 COHN CA 94611 Single Family Primary Purchase Reduced 6832907692 WAGSTAFF CT 06877 Single Family Primary Refinance Reduced 6833774489 BOYD CA 92562 PUD Primary Purchase Standard 6836705449 VERDON CA 90024 Single Family Primary Purchase Reduced 6836792868 HAYES TX 77005 Single Family Primary Refinance Reduced 6837882262 GORAN CA 94611 Single Family Primary Purchase Standard 6837887212 ADAMS CA 95762 PUD Primary Refinance Standard 6839348304 RAHMAN CA 94568 PUD Primary Purchase Reduced 6841172064 VIRDEE CA 94568 Single Family Primary Refinance Reduced 6841281451 SCHWARTZ AZ 85750 PUD Secondary Refinance Reduced 6841459727 REISNER CA 90064 Single Family Primary Purchase Standard 6841845032 KING JR CA 92677 PUD Primary Purchase Reduced 6842906734 WONG CA 94025 Single Family Primary Purchase Reduced 6843319085 YEE CA 94618 PUD Primary Cash-out Refinance Standard 6845586020 COPE CA 95650 Single Family Primary Purchase Standard 6847149439 LEWIS VA 23454 Single Family Secondary Refinance Standard 6848349442 STOUT VA 20117 Single Family Primary Purchase Reduced 6849916322 OATMAN CA 92660 PUD Primary Cash-out Refinance Standard 6850048403 CUSACK CA 95746 PUD Primary Refinance Reduced 6850407609 GRATTAN CA 95650 PUD Primary Cash-out Refinance Reduced 6851313921 PHILLIPS NV 89109 Condominimum Primary Purchase Reduced 6852091732 BODHAINE WA 98371 Single Family Primary Refinance Reduced 6853112446 FENNELL OR 97520 Single Family Primary Refinance Standard 6853125414 CREAVIN NY 11579 Single Family Primary Refinance Standard 6855104961 SPRUNG TX 75287 PUD Primary Purchase Reduced 6855125065 ANSLEY JR TN 37027 PUD Primary Purchase Reduced 6856153793 SEGARS CA 94904 Single Family Primary Refinance Standard 6857644915 BAKER TX 77539 Single Family Primary Purchase Standard 6859381474 ANDREWS CA 95003 Single Family Primary Purchase Standard 6860384970 MIZRAHI CA 90212 Two Family Primary Purchase Standard 6860529871 BETHEL CA 94025 Single Family Primary Cash-out Refinance Reduced 6861603055 PEKKER CA 94085 Single Family Primary Purchase Reduced 6863160138 GAYLE CA 94960 Single Family Primary Cash-out Refinance Standard 6863987456 TAN CA 94578 Single Family Primary Cash-out Refinance Reduced 6865853532 WELSH CA 90027 Single Family Primary Refinance Reduced 6867400134 MILLER CA 95125 Single Family Primary Purchase Standard 6868126290 ZORN CA 91214 Single Family Primary Cash-out Refinance Standard 6869688132 SPIVEY VA 22030 Single Family Primary Purchase Standard 6870216022 PARODI CA 94403 PUD Primary Cash-out Refinance Standard 6870300099 WOOD DC 20037 Condominimum Primary Purchase Standard 6873413170 TAN CA 94015 Single Family Primary Refinance Reduced 6873790650 BANUELOS CA 95132 Single Family Primary Refinance Standard 6874669788 TILLMAN CA 94002 Single Family Primary Cash-out Refinance Reduced 6875073279 GANOZA CA 94065 Condominimum Primary Purchase Reduced 6875409549 MCCABE CA 94602 Single Family Primary Purchase Reduced 6878686432 ADLER CA 92649 PUD Primary Purchase Standard 6879224894 FERNANDEZ CA 94080 Single Family Primary Cash-out Refinance Reduced 6880101115 BRIGHT CO 81623 PUD Primary Purchase Standard 6882921585 RYDER CO 80016 PUD Primary Refinance Reduced 6883672336 TOBAEI CA 94086 Condominimum Primary Cash-out Refinance Reduced 6884203156 KIRK CA 94952 Single Family Primary Refinance Reduced 6886884383 GOLDSTEIN GA 31411 PUD Primary Purchase Reduced 6888883490 WOLFF CA 91423 Single Family Primary Cash-out Refinance Standard 6889101033 GOODSON CA 94518 Single Family Primary Purchase Reduced 6889153422 ABDILOV CA 94132 Condominimum Primary Refinance Reduced 6889921703 FLIEGER MD 21037 PUD Primary Refinance Reduced 6890760157 WOLFSON CA 93940 Single Family Primary Purchase Standard 6891667773 SODERBERG AZ 86336 Single Family Primary Refinance Reduced 6892660702 KIEFFER VA 20124 PUD Primary Purchase Reduced 6893910833 STOIBER CA 94404 PUD Primary Refinance Standard 6894259735 HAMMER CA 94501 Single Family Primary Purchase Reduced 6895494323 ZANIDES CA 94947 Single Family Primary Refinance Reduced 6896530075 CAHILL M D CA 90275 Single Family Primary Cash-out Refinance Reduced 6898568438 CAMPANINI CA 92677 PUD Primary Purchase Standard 6904535827 MEYUNG VA 22903 PUD Primary Cash-out Refinance Reduced 6905497498 DOWNING TX 78731 Single Family Primary Purchase Standard 6906630022 GUNTER CO 80305 Single Family Primary Cash-out Refinance Reduced 6906630188 BAUM NC 27949 Single Family Secondary Purchase Standard 6908028258 YOLLIN CA 94708 Single Family Primary Purchase Reduced 6908050419 WILLIAMS SC 29572 Condominimum Secondary Refinance Standard 6908604454 CARDELLICHIO NC 27927 Single Family Secondary Purchase Reduced 6909190289 HACKBARDT CA 92691 PUD Primary Refinance Reduced 6909768100 KLOR CA 95123 Single Family Primary Cash-out Refinance Standard 6910028890 DEL PRINCIPE CA 96161 PUD Primary Cash-out Refinance Standard 6911385703 TUCKER JR CO 80128 Single Family Primary Refinance Reduced 6911511704 DEVLIN CA 94526 Single Family Primary Refinance Reduced 6912410096 TRAN CA 95132 Single Family Primary Purchase Reduced 6912570055 OSKANDY IL 60614 Townhouse Primary Refinance Standard 6914279002 HIGGINS VA 22314 Townhouse Secondary Purchase Reduced 6914578056 NATHAN VA 22182 PUD Primary Refinance Reduced 6915560475 VALENZA FL 34113 Single Family Secondary Purchase Reduced 6916558684 RAZZELL CA 94566 Single Family Primary Purchase Reduced 6918377190 HURWITH IL 60657 Condominimum Primary Purchase Reduced 6918377620 SHARMA CA 94555 PUD Primary Cash-out Refinance Standard 6919550530 NEWMAN CA 95404 Single Family Primary Refinance Standard 6921094295 LOW CA 92014 Single Family Primary Cash-out Refinance Standard 6921254147 BRUMMITT CA 94595 Single Family Primary Cash-out Refinance Reduced 6922333569 HAWKINS TN 37416 Single Family Primary Purchase Standard 6923151275 HENNEMAN MN 55391 Single Family Primary Refinance Reduced 6924713339 MARTIN JR CA 94550 PUD Primary Refinance Reduced 6924876748 PEAK CA 94952 Single Family Primary Cash-out Refinance Reduced 6925576032 SHERMAN SC 29681 PUD Primary Purchase Standard 6926744951 WINNINGHAM CA 92629 PUD Primary Refinance Reduced 6927176401 KELLEY JR CA 94066 Single Family Primary Cash-out Refinance Reduced 6928893723 HARDY CA 92673 PUD Primary Purchase Reduced 6929494554 DELUCA CA 92110 Single Family Primary Purchase Reduced 6929647896 NAGGIAR CA 95130 Single Family Primary Purchase Standard 6930761579 WEIDELL CA 94070 Single Family Primary Purchase Reduced 6932183400 RUSH CA 94117 Condominimum Secondary Purchase Standard 6932545095 RUSSELL MD 21042 Single Family Primary Purchase Standard 6932612317 TOGNOLI CA 95409 Single Family Primary Cash-out Refinance Standard 6934891869 LESTER CA 91739 Single Family Primary Purchase Standard 6937146717 SCHMIDT CA 95405 Single Family Primary Cash-out Refinance Standard 6938563415 WILLARD SR MD 20814 PUD Primary Refinance Reduced 6939780620 PINELLI CA 95683 PUD Primary Refinance All Ready Home 6941067321 MCCLENNEN CA 90278 Single Family Primary Purchase Reduced 6941512656 COBB CA 94303 Single Family Primary Purchase Reduced 6941777127 ZUCKERMAN CA 91356 Single Family Primary Purchase Standard 6942265031 CALDWELL CA 90266 Single Family Primary Cash-out Refinance Standard 6942327252 COLABIANCHI CA 96150 PUD Secondary Purchase Standard 6943132453 ERGAS CA 95120 Single Family Primary Cash-out Refinance Standard 6946113757 FORSHAN CA 92082 Single Family Primary Cash-out Refinance Reduced 6946577852 ALONSO JR CA 94523 Single Family Primary Cash-out Refinance Standard 6947459605 BUTLER CA 95003 Single Family Primary Refinance Standard 6948783896 ODWALD CA 92691 PUD Primary Purchase Reduced 6952659362 KOSLOWSKY CA 95451 Single Family Secondary Purchase Reduced 6954258809 FAGAN-SMITH CA 95062 Single Family Primary Cash-out Refinance Standard 6957554436 CORY FL 33487 PUD Primary Cash-out Refinance Standard 6957957142 BURKE VA 20124 PUD Primary Purchase Reduced 6959638427 FROST CA 92651 Single Family Primary Refinance Reduced 6974945963 LUND FL 33414 Single Family Primary Cash-out Refinance Standard 6978139167 SKIPPER JR VA 22181 Single Family Primary Purchase Reduced 6978775291 SOUGHERS FL 32903 Single Family Primary Purchase Reduced 6982302835 FERNANDEZ FL 33109 Condominimum Primary Purchase Reduced 6985393690 NORMAN TX 75024 PUD Primary Purchase Standard 6988119779 SUMMERLIN SC 29438 Single Family Primary Refinance Reduced 6991187045 MEHARRY FL 34219 PUD Primary Purchase Standard 6992349529 GOMEZ III VA 22101 Single Family Primary Purchase Reduced 6994899364 HERCULES VA 23663 Single Family Primary Refinance Standard 6995077663 DAMON MA 02468 Single Family Primary Purchase Standard 6996419773 COSTELLO NC 27817 PUD Primary Refinance Standard 6996591431 BALINBIN MA 02066 Single Family Primary Refinance Reduced
Bank of America Securities (continued) BOAMS 2001-06 30 YR Loan Count: 1,189 Scheduled Balance: 501,340,530.79 W/A Interest Rate: 7.34% Terms to Maturity W/A: 358
Loan Orig Original Interest First Maturity Orig Monthly Current Remaining Scheduled Number LTV PB Rate Pay Date Date Term P & I Due Date Term Balance 0023749195 077.0 369,800 06.750 20010501 20310401 360 2,398.52 20010501 359 369,481.61 0023801111 064.7 300,000 07.375 20010501 20310401 360 2,072.03 20010501 359 299,771.72 0028253557 067.5 570,000 07.000 20010601 20310501 360 3,792.23 20010601 360 570,000.00 0028522787 068.6 600,000 07.250 20010501 20310401 360 4,093.06 20010601 359 599,531.94 0028580504 080.0 328,249 07.250 20010501 20310401 360 2,239.24 20010501 359 327,992.93 0028918985 080.0 541,000 07.375 20010401 20310301 360 3,736.56 20010501 358 540,174.15 0028964666 080.0 308,300 07.125 20010501 20310401 360 2,077.08 20010501 359 308,053.45 0029091857 080.0 383,200 07.750 20010401 20310301 360 2,745.30 20010501 358 382,519.16 0029096765 076.8 430,000 07.500 20010401 20310301 360 3,006.63 20010501 358 429,359.75 0029141322 071.9 647,000 08.250 20010301 20310201 360 4,860.69 20010501 357 645,753.76 0029160199 080.0 375,920 08.250 20001201 20301101 360 2,824.16 20010501 354 373,192.23 0029162633 079.8 295,000 08.000 20001001 20300901 360 2,164.61 20010501 352 293,379.02 0029197761 090.0 373,500 08.125 20001101 20301001 360 2,773.23 20010501 353 371,754.60 0029219912 088.6 314,500 07.500 20010401 20310301 360 2,199.03 20010501 358 314,031.74 0029245974 069.2 367,000 07.625 20010401 20310301 360 2,597.61 20010501 358 366,460.02 0029307337 050.0 425,000 07.500 20010401 20310301 360 2,971.67 20010501 358 424,367.19 0029311644 080.0 319,600 07.625 20010401 20310301 360 2,262.11 20010601 358 319,135.89 0029312402 071.5 294,400 07.625 20010301 20310201 360 2,083.74 20010501 357 293,756.70 0029318003 080.0 309,600 07.750 20010401 20310301 360 2,218.01 20010601 358 309,161.56 0029321288 060.1 338,000 07.750 20010401 20310301 360 2,421.48 20010501 358 337,521.34 0029332939 080.0 368,000 08.375 20001201 20301101 360 2,797.07 20010501 354 366,599.51 0029333846 080.0 301,850 07.500 20010301 20310201 360 2,110.58 20010501 357 301,014.53 0029338035 074.5 650,000 08.125 20010201 20310101 360 4,826.23 20010501 356 648,281.87 0029338530 065.6 320,000 07.625 20010501 20310401 360 2,264.94 20010501 359 319,768.39 0029343860 075.6 559,904 08.125 20010201 20310101 360 4,157.28 20010501 356 558,424.01 0029346111 063.3 380,000 07.125 20010501 20310401 360 2,560.13 20010501 359 379,696.12 0029348596 057.9 750,000 07.000 20010501 20310401 360 4,989.77 20010501 359 749,385.23 0029351012 074.4 300,000 08.125 20010301 20310201 360 2,227.49 20010501 357 299,407.26 0029354586 080.0 388,800 07.500 20010401 20310301 360 2,718.55 20010501 358 388,221.10 0029361904 068.8 385,000 07.500 20010401 20310301 360 2,691.98 20010501 358 384,426.75 0029361987 038.1 600,000 07.500 20010501 20310401 360 4,195.29 20010501 359 599,554.71 0029364395 080.0 319,752 07.500 20010401 20310301 360 2,235.76 20010501 358 318,882.92 0029369493 080.0 360,000 07.500 20010501 20310401 360 2,517.17 20010501 359 359,732.83 0029369584 078.2 351,950 07.375 20010401 20310301 360 2,430.83 20010501 358 351,412.75 0029372596 080.0 512,000 07.375 20010401 20310301 360 3,536.26 20010501 358 511,218.42 0029373545 087.5 399,000 07.625 20010501 20310401 360 2,824.10 20010501 359 398,711.21 0029384138 070.0 384,800 07.000 20010501 20310401 360 2,560.09 20010501 359 384,484.58 0029384948 075.0 450,000 07.625 20010401 20310301 360 3,185.07 20010501 358 449,346.55 0029387701 075.0 460,850 07.250 20010401 20310301 360 3,143.81 20010501 358 460,128.81 0029388147 059.1 650,000 07.500 20010401 20310301 360 4,544.89 20010501 358 649,032.21 0029391000 080.0 342,400 07.500 20010501 20310401 360 2,394.11 20010501 359 342,145.89 0029392164 065.5 360,000 08.250 20010101 20301201 360 2,704.56 20010501 355 358,836.30 0029392248 063.4 650,000 07.625 20010401 20310301 360 4,600.66 20010501 358 649,056.11 0029392594 080.0 312,000 07.750 20010501 20310401 360 2,235.21 20010501 359 311,779.79 0029400041 080.0 372,000 07.250 20010401 20310301 360 2,537.70 20010501 358 371,417.85 0029400082 077.9 300,000 07.750 19980801 20271001 351 2,163.64 20010501 317 290,841.77 0029403870 060.3 446,500 07.375 20010501 20310401 360 3,083.86 20010501 359 446,160.25 0029406873 095.0 356,250 07.625 20010401 20310301 360 2,521.52 20010501 358 355,732.66 0029406964 089.5 340,000 07.625 20010401 20310301 360 2,406.50 20010501 358 339,506.27 0029406998 080.0 434,950 07.625 20010501 20310401 360 3,078.55 20010501 359 434,635.19 0029411568 078.2 340,000 08.500 20010201 20310101 360 2,614.31 20010501 356 339,167.29 0029414406 080.0 359,900 07.375 20010501 20310401 360 2,485.74 20010601 359 359,626.15 0029414521 077.2 335,800 08.125 20010401 20310301 360 2,493.31 20010601 358 335,359.19 0029415783 043.9 325,000 07.375 20010501 20310401 360 2,244.69 20010501 359 324,752.71 0029415833 078.9 300,000 07.250 20010401 20310301 360 2,046.53 20010501 358 299,429.92 0029416245 054.9 350,000 07.625 20010501 20310401 360 2,477.28 20010601 359 349,746.68 0029416328 069.3 831,750 07.250 20010401 20310301 360 5,674.00 20010501 358 830,448.40 0029416377 080.0 345,450 07.500 20010501 20310401 360 2,415.44 20010601 359 345,193.62 0029416500 080.0 312,000 07.375 20010401 20310301 360 2,154.91 20010501 358 311,523.72 0029416716 061.5 386,000 07.375 20010501 20310401 360 2,666.01 20010501 359 385,706.28 0029416740 063.2 430,000 07.625 20010501 20310401 360 3,043.52 20010501 359 429,688.77 0029420361 080.0 319,200 07.500 20010401 20310301 360 2,231.89 20010501 358 318,724.74 0029420387 072.5 320,000 07.500 20010501 20310401 360 2,237.49 20010501 359 319,762.51 0029420726 080.0 382,400 07.375 20010401 20310301 360 2,641.15 20010501 358 381,816.25 0029422458 072.8 386,000 07.500 20010501 20310401 360 2,698.97 20010501 359 385,713.53 0029423563 011.8 425,000 07.375 20010401 20310301 360 2,935.37 20010501 358 424,351.23 0029425592 072.9 310,000 07.625 20010501 20310401 360 2,194.16 20010501 359 309,775.63 0029425782 091.7 347,562 07.625 20010401 20310301 360 2,460.02 20010501 358 347,057.29 0029427135 067.4 310,000 07.250 20010501 20310401 360 2,114.75 20010501 359 309,758.17 0029427143 075.4 490,000 07.500 20010401 20310301 360 3,426.16 20010501 358 489,270.41 0029427200 069.7 315,000 07.625 20010401 20310301 360 2,229.55 20010501 358 314,542.57 0029427440 068.5 425,000 07.375 20010401 20310301 360 2,935.37 20010501 358 423,927.79 0029427473 071.4 391,000 07.750 20010501 20310401 360 2,801.17 20010501 359 390,724.04 0029429347 080.0 536,000 07.625 20010501 20310401 360 3,793.78 20010501 359 535,612.05 0029430543 071.9 539,000 07.625 20010501 20310401 360 3,815.01 20010501 359 538,609.89 0029430576 032.7 400,000 07.250 20010501 20310401 360 2,728.71 20010501 359 399,687.96 0029430758 080.0 440,000 07.625 20010401 20310301 360 3,114.30 20010501 358 439,361.04 0029431103 085.0 352,750 07.250 20010401 20310301 360 2,406.38 20010501 358 352,197.98 0029432028 080.0 456,800 07.250 20010501 20310401 360 3,116.18 20010501 359 456,443.65 0029432135 070.1 340,000 07.500 20010401 20310301 360 2,377.33 20010501 358 339,493.76 0029432242 080.0 439,300 07.375 20010401 20310301 360 3,034.14 20010601 358 438,629.39 0029433257 070.0 350,000 07.375 20010401 20310301 360 2,417.37 20010501 358 349,465.71 0029433349 067.2 410,000 07.125 20010501 20310401 360 2,762.25 20010501 359 409,672.13 0029433505 080.0 296,000 07.750 20010501 20310401 360 2,120.58 20010501 359 295,791.09 0029433554 080.0 319,900 07.250 20010401 20310301 360 2,182.28 20010501 358 319,399.38 0029434602 080.0 358,800 07.250 20010401 20310301 360 2,447.65 20010501 358 358,238.51 0029437142 075.0 307,500 08.000 20010501 20310401 360 2,256.33 20010501 359 307,293.67 0029438116 095.0 269,800 09.000 20001001 20300901 360 2,170.87 20010501 352 268,434.34 0029440443 080.0 349,600 07.375 20010401 20310301 360 2,414.60 20010501 358 349,066.33 0029440567 080.0 352,800 07.500 20010401 20310301 360 2,466.83 20010501 358 352,274.68 0029440666 080.0 336,000 07.500 20010401 20310301 360 2,349.36 20010501 358 335,499.72 0029440682 079.8 327,300 07.375 20010401 20310301 360 2,260.58 20010501 358 326,800.37 0029442597 069.9 470,000 07.125 20010501 20310401 360 3,166.48 20010501 359 469,624.15 0029443280 080.0 328,400 07.375 20010401 20310301 360 2,268.18 20010501 358 327,898.69 0029443710 073.1 331,100 07.750 20010301 20310201 360 2,372.04 20010501 357 328,622.72 0029445962 080.0 462,000 07.625 20010401 20310301 360 3,270.01 20010501 358 461,329.11 0029446507 080.0 367,200 07.125 20010501 20310401 360 2,473.89 20010501 359 366,906.36 0029446556 080.0 420,000 07.250 20010401 20310301 360 2,865.15 20010501 358 419,342.72 0029446614 080.0 394,400 07.375 20010401 20310301 360 2,724.02 20010501 358 393,797.95 0029447778 079.9 401,750 07.375 20010501 20310401 360 2,774.79 20010501 359 401,444.30 0029449162 066.5 478,500 07.250 20010401 20310301 360 3,264.22 20010501 358 477,751.18 0029449188 074.3 390,000 07.625 20010501 20310401 360 2,760.40 20010501 359 389,717.73 0029449220 080.0 610,900 07.375 20010401 20310301 360 4,219.34 20010501 358 609,967.44 0029449949 066.8 347,500 07.500 20010401 20310301 360 2,429.77 20010501 358 346,982.60 0029452216 095.0 289,800 07.500 20010401 20310301 360 2,026.32 20010501 358 289,368.51 0029454568 065.4 350,000 07.000 20010501 20310401 360 2,328.56 20010501 359 349,713.11 0029455086 080.0 340,000 07.125 20010501 20310401 360 2,290.65 20010501 359 339,728.10 0029456423 068.9 310,000 06.875 20010601 20310501 360 2,036.48 20010601 360 310,000.00 0029456530 080.0 299,200 07.250 20010401 20310301 360 2,041.07 20010501 358 298,731.79 0029457538 078.8 286,700 07.500 20010501 20310401 360 2,004.65 20010501 359 286,487.23 0029458486 080.0 436,000 07.750 20010401 20310301 360 3,123.56 20010601 358 435,382.56 0029461084 079.3 325,000 07.250 20010501 20310401 360 2,217.08 20010501 359 324,746.46 0029461399 080.0 316,800 07.625 20010501 20310401 360 2,242.29 20010501 359 316,570.71 0029461662 080.0 456,600 07.250 20010501 20310401 360 3,114.82 20010601 359 456,243.81 0029462561 061.3 490,000 07.375 20010501 20310401 360 3,384.31 20010501 359 489,627.15 0029462629 080.0 382,400 07.375 20010401 20310301 360 2,641.14 20010501 358 381,719.19 0029465184 078.1 480,500 07.125 20010501 20310401 360 3,237.22 20010601 359 480,115.75 0029465432 080.0 311,200 07.250 20010401 20310301 360 2,122.93 20010601 358 310,713.00 0029465465 077.5 620,000 07.625 20010401 20310301 360 4,388.33 20010501 358 619,099.65 0029465804 070.2 400,000 07.250 20010501 20310401 360 2,728.71 20010501 359 399,687.96 0029465820 080.0 648,000 07.375 20010401 20310301 360 4,475.58 20010601 358 647,010.81 0029465853 079.9 505,000 07.125 20010401 20310301 360 3,402.28 20010501 358 504,189.92 0029465887 073.5 400,000 07.125 20010501 20310401 360 2,694.88 20010501 359 399,680.12 0029467701 080.0 345,600 07.625 20010401 20310301 360 2,446.14 20010601 358 345,098.13 0029471851 080.0 375,300 07.250 20010501 20310401 360 2,560.21 20010501 359 375,007.23 0029471885 080.0 776,000 07.500 20010501 20310401 360 5,425.90 20010501 359 775,424.10 0029472370 080.0 479,120 07.125 20010501 20310401 360 3,227.92 20010501 359 478,736.86 0029472636 080.0 312,000 07.375 20010501 20310401 360 2,154.91 20010501 359 311,762.59 0029472644 070.0 434,000 07.500 20010601 20310501 360 3,034.60 20010601 360 434,000.00 0029473220 088.1 310,000 06.875 20010501 20310401 360 2,036.48 20010501 359 309,739.56 0029476397 063.3 367,000 07.250 20010501 20310401 360 2,503.59 20010501 359 366,713.70 0029476827 079.5 536,900 07.625 20010501 20310401 360 3,800.15 20010501 359 536,511.40 0029477072 068.5 315,000 07.125 20010401 20310301 360 2,122.21 20010501 358 314,494.70 0029477148 080.0 320,000 07.500 20010401 20310301 360 2,237.49 20010501 358 319,523.54 0029477460 080.0 351,900 07.500 20010401 20310301 360 2,460.54 20010601 358 351,376.04 0029478898 058.7 320,000 07.375 20010401 20310301 360 2,210.16 20010501 358 319,511.52 0029479748 080.0 623,600 07.500 20010501 20310401 360 4,360.30 20010501 359 623,137.20 0029479953 080.0 578,000 07.000 20010501 20310401 360 3,845.45 20010501 359 577,526.22 0029482361 077.8 700,000 07.625 20010501 20310401 360 4,954.56 20010601 359 699,493.36 0029482791 078.2 406,000 07.125 20010501 20310401 360 2,735.30 20010601 359 405,628.91 0029483039 090.0 301,500 07.500 20010501 20310401 360 2,108.14 20010501 359 301,276.24 0029483054 066.7 400,000 07.000 20010501 20310401 360 2,661.21 20010501 359 399,672.12 0029483070 080.0 332,000 07.250 20010501 20310401 360 2,264.83 20010601 359 331,741.00 0029483088 065.8 350,000 07.500 20010601 20310501 360 2,447.25 20010601 360 350,000.00 0029483138 068.4 436,000 07.000 20010601 20310501 360 2,900.72 20010601 360 436,000.00 0029483146 080.0 349,600 07.125 20010501 20310401 360 2,355.32 20010501 359 349,320.43 0029483203 064.1 336,500 07.750 20010401 20310301 360 2,410.73 20010501 358 336,023.47 0029485620 080.0 520,000 07.250 20010501 20310401 360 3,547.32 20010501 359 519,594.35 0029489101 090.0 329,400 07.625 20010501 20310401 360 2,331.48 20010501 359 329,161.58 0029491404 023.5 400,000 07.625 20010501 20310401 360 2,831.17 20010501 359 399,710.50 0029492337 070.4 344,800 07.250 20010501 20310401 360 2,352.14 20010501 359 344,531.03 0029493772 080.0 404,000 07.250 20010501 20310401 360 2,756.00 20010601 359 403,684.83 0029500998 080.0 596,000 07.375 20010501 20310401 360 4,116.43 20010501 359 595,546.49 0029502929 077.2 324,400 07.375 20010501 20310401 360 2,240.56 20010601 359 324,153.15 0029503133 077.8 389,000 07.375 20010501 20310401 360 2,686.73 20010501 359 388,704.00 0029503158 080.0 580,000 07.625 20010501 20310401 360 4,105.20 20010501 359 579,580.22 0029504610 085.6 304,000 07.250 20010501 20310401 360 2,073.82 20010501 359 303,762.85 0029504636 080.0 352,000 07.500 20010601 20310501 360 2,461.24 20010601 360 352,000.00 0029504933 061.0 445,000 07.500 20010501 20310401 360 3,111.51 20010501 359 444,669.74 0029505914 080.0 392,000 07.500 20010501 20310401 360 2,740.93 20010501 359 391,709.07 0029506292 071.8 375,000 07.250 20010501 20310401 360 2,558.16 20010501 359 374,707.47 0029506995 075.0 337,500 07.500 20010401 20310301 360 2,359.85 20010501 358 336,997.49 0029507282 080.0 360,000 07.250 20010401 20310301 360 2,455.83 20010501 358 359,436.63 0029507910 079.4 500,000 07.250 20010501 20310401 360 3,410.89 20010501 359 499,609.94 0029508058 071.4 375,000 07.625 20010501 20260401 300 2,801.78 20010601 299 374,507.35 0029508645 069.9 360,000 07.375 20010601 20310501 360 2,486.44 20010601 360 360,000.00 0029509924 078.4 500,000 07.125 20010601 20310501 360 3,368.59 20010601 360 500,000.00 0029510369 073.6 600,000 07.500 20010501 20310401 360 4,195.29 20010501 359 599,554.71 0029510500 080.0 359,100 07.125 20010501 20310401 360 2,419.33 20010501 359 358,812.83 0029510617 076.2 400,000 07.000 20010501 20310401 360 2,661.21 20010501 359 399,672.12 0029512472 079.3 325,000 07.250 20010501 20310401 360 2,217.07 20010501 359 324,746.47 0029512696 095.0 294,400 07.625 20010401 20310301 360 2,083.75 20010501 358 293,972.48 0029513611 076.3 322,000 07.250 20010501 20310401 360 2,196.61 20010501 359 321,748.81 0029513728 080.0 353,300 07.625 20010501 20310401 360 2,500.64 20010501 359 353,044.29 0029514718 075.0 398,600 07.375 20010501 20310401 360 2,753.03 20010501 359 398,296.70 0029515830 075.0 375,000 07.250 20010501 20310401 360 2,558.17 20010501 359 374,707.46 0029516747 050.3 400,000 07.250 20010501 20310401 360 2,728.71 20010501 359 399,687.96 0029518859 057.3 487,000 07.125 20010501 20310401 360 3,281.01 20010501 359 486,610.55 0029519147 063.3 556,691 07.375 20010501 20310401 360 3,844.93 20010501 359 555,102.32 0029520012 061.7 462,500 07.375 20010501 20310401 360 3,194.37 20010501 359 462,148.08 0029520210 080.0 440,000 07.250 20010501 20310401 360 3,001.58 20010501 359 439,656.75 0029521507 075.0 337,500 07.125 20010501 20310401 360 2,273.81 20010501 359 337,230.10 0029521754 056.0 316,500 07.250 20010501 20310401 360 2,159.09 20010501 359 316,253.10 0029521879 054.7 350,000 07.500 20010601 20310501 360 2,447.26 20010601 360 350,000.00 0029522950 058.8 500,000 07.500 20010501 20310401 360 3,496.08 20010501 359 499,628.92 0029523529 070.0 427,000 07.500 20010501 20310401 360 2,985.65 20010501 359 426,683.10 0029526670 076.0 418,000 07.250 20010501 20310401 360 2,851.50 20010501 359 417,673.92 0029527157 070.7 350,000 07.375 20010601 20310501 360 2,417.36 20010601 360 350,000.00 0029527280 080.0 432,000 07.375 20010501 20310401 360 2,983.72 20010601 359 431,671.28 0029527371 080.0 335,200 07.250 20010501 20310401 360 2,286.65 20010601 359 334,938.52 0029527587 080.0 480,000 07.375 20010501 20310401 360 3,315.25 20010501 359 479,634.75 0029527991 067.3 360,000 07.250 20010501 20310401 360 2,455.84 20010601 359 359,719.16 0029528593 074.9 425,000 07.250 20010501 20310401 360 2,899.25 20010501 359 424,668.46 0029528783 066.8 541,000 07.250 20010501 20310401 360 3,690.58 20010501 359 540,577.96 0029529278 080.0 348,000 07.500 20010501 20310401 360 2,433.27 20010501 359 347,741.73 0029529575 062.7 420,000 07.250 20010501 20310401 360 2,865.14 20010501 359 419,672.36 0029530037 080.0 380,000 07.375 20010501 20310401 360 2,624.57 20010501 359 379,710.85 0029530052 080.0 322,800 07.875 20010501 20310401 360 2,340.53 20010501 359 322,577.85 0029530060 033.3 900,000 07.375 20010501 20310401 360 6,216.08 20010501 359 899,315.17 0029530110 076.9 332,900 07.625 20010501 20310401 360 2,356.25 20010601 359 332,659.05 0029530177 071.8 351,950 07.125 20010501 20310401 360 2,371.15 20010501 359 351,668.55 0029530946 075.0 337,500 07.250 20010501 20310401 360 2,302.35 20010501 359 337,236.71 0029531324 069.6 400,000 07.500 20010501 20310401 360 2,796.86 20010501 359 399,703.14 0029531761 080.0 395,400 07.125 20010401 20310301 360 2,663.89 20010501 358 394,765.72 0029531878 080.0 440,000 07.250 20010501 20310401 360 3,001.58 20010601 359 439,456.75 0029532017 069.0 483,100 06.875 20010501 20310401 360 3,173.62 20010501 359 482,694.14 0029532397 090.0 346,050 07.250 20010501 20310401 360 2,360.68 20010501 359 345,780.04 0029533007 080.0 344,000 07.250 20010501 20310401 360 2,346.69 20010501 359 343,731.64 0029533569 076.0 494,000 07.000 20010501 20310401 360 3,286.60 20010601 359 493,578.81 0029536331 069.9 500,000 07.375 20010601 20310501 360 3,453.38 20010601 360 500,000.00 0029536646 080.0 320,800 07.250 20010501 20310401 360 2,188.43 20010501 359 320,549.74 0029537479 090.0 328,500 07.375 20010501 20310401 360 2,268.87 20010501 359 328,250.04 0029537909 080.0 503,900 07.375 20010501 20310401 360 3,480.32 20010601 359 503,516.57 0029538923 013.3 500,000 07.250 20010501 20310401 360 3,410.88 20010501 359 499,609.95 0029539517 063.0 425,000 07.250 20010501 20310401 360 2,899.25 20010701 359 392,680.48 0029540150 080.0 549,600 07.125 20010501 20310401 360 3,702.76 20010601 359 549,160.49 0029540770 080.0 333,600 07.375 20010601 20310501 360 2,304.09 20010601 360 333,600.00 0029541349 075.7 320,000 07.500 20010501 20310401 360 2,237.49 20010501 359 319,762.51 0029541828 078.0 301,200 07.125 20010501 20310401 360 2,029.24 20010501 359 300,959.14 0029543980 080.0 332,000 07.250 20010501 20310401 360 2,264.83 20010601 359 331,741.00 0029544780 080.0 330,000 07.375 20010501 20310401 360 2,279.23 20010601 359 329,748.89 0029544855 080.0 344,000 07.500 20010501 20310401 360 2,405.30 20010501 359 343,744.70 0029545001 080.0 432,000 07.250 20010501 20310401 360 2,947.00 20010501 359 431,663.00 0029545340 080.0 353,600 07.375 20010501 20310401 360 2,442.23 20010501 359 353,330.94 0029545746 080.0 398,100 07.375 20010401 20310301 360 2,749.58 20010501 358 397,474.82 0029545803 068.4 342,000 07.250 20010601 20310501 360 2,333.04 20010601 360 342,000.00 0029546587 075.0 356,250 07.375 20010601 20310501 360 2,460.54 20010601 360 356,250.00 0029547320 069.3 350,000 07.375 20010501 20310401 360 2,417.37 20010501 359 349,733.67 0029547726 080.0 444,720 07.125 20010501 20310401 360 2,996.16 20010501 359 444,364.37 0029548849 090.0 289,800 07.875 20010401 20310301 360 2,101.25 20010501 358 289,399.80 0029548880 080.0 348,000 07.625 20010501 20310401 360 2,463.12 20010601 359 347,748.13 0029549029 066.8 304,000 07.000 20010501 20310401 360 2,022.52 20010501 359 303,750.81 0029549235 079.6 480,200 08.000 20010501 20310401 360 3,523.54 20010501 359 479,877.79 0029549268 058.0 356,200 07.000 20010501 20310401 360 2,369.81 20010601 359 355,512.39 0029550787 061.0 500,000 07.500 20010401 20310301 360 3,496.08 20010501 358 499,255.52 0029550845 071.4 308,350 07.375 20010401 20310301 360 2,129.70 20010501 358 307,879.30 0029550878 089.9 386,570 07.375 20010401 20310301 360 2,669.95 20010501 358 385,979.88 0029550910 059.8 700,000 07.500 20010401 20310301 360 4,894.51 20010501 358 698,957.73 0029550969 080.0 332,000 07.625 20010401 20310301 360 2,349.88 20010501 358 331,517.88 0029551009 080.0 439,200 07.375 20010401 20310301 360 3,033.45 20010501 358 438,529.55 0029551058 089.9 400,000 07.625 20010401 20310301 360 2,831.18 20010501 358 399,419.14 0029551116 054.9 380,000 07.625 20010401 20310301 360 2,689.62 20010501 358 379,448.18 0029551165 089.0 324,800 07.500 20010401 20310301 360 2,271.05 20010501 358 324,316.39 0029551231 074.9 311,000 07.625 20010401 20310301 360 2,201.24 20010501 358 310,548.39 0029551272 080.0 459,200 07.500 20010501 20310401 360 3,210.79 20010601 359 458,670.00 0029551314 080.0 338,000 07.125 20010401 20310301 360 2,277.17 20010501 358 337,457.81 0029551801 066.4 355,000 07.625 20010501 20310401 360 2,512.67 20010501 359 354,743.06 0029552197 023.6 353,700 07.125 20010501 20310401 360 2,382.94 20010501 359 353,417.15 0029552973 070.5 324,450 07.250 20010501 20310401 360 2,213.32 20010501 359 324,196.90 0029553104 080.0 360,000 07.375 20010501 20310401 360 2,486.43 20010501 359 359,726.07 0029553450 065.0 380,000 07.250 20010501 20310401 360 2,592.27 20010501 359 379,703.56 0029553526 079.6 446,000 07.500 20010501 20310401 360 3,118.50 20010501 359 445,669.00 0029553567 060.0 600,000 07.375 20010501 20310401 360 4,144.06 20010501 359 599,543.44 0029555513 080.0 339,200 07.625 20010401 20310301 360 2,400.84 20010501 358 338,707.42 0029555661 080.0 344,000 07.500 20010401 20310301 360 2,405.30 20010501 358 343,487.80 0029555752 073.9 425,000 07.750 20010401 20310301 360 3,044.75 20010501 358 424,398.13 0029558038 061.5 320,000 07.250 20010501 20310401 360 2,182.96 20010601 359 319,750.37 0029558129 080.0 360,000 07.500 20010401 20310301 360 2,517.17 20010501 358 359,463.99 0029558202 080.0 592,000 07.250 20010401 20310301 360 4,038.48 20010501 358 590,960.86 0029558293 090.0 310,770 07.375 20010401 20310301 360 2,146.41 20010501 358 310,295.61 0029558541 090.0 474,300 07.875 20010501 20310401 360 3,439.00 20010501 359 473,973.59 0029558681 080.0 410,700 07.500 20010301 20310201 360 2,871.67 20010501 357 409,779.87 0029558764 056.3 400,000 07.750 20010401 20310301 360 2,865.65 20010501 358 398,910.76 0029558814 084.5 338,000 08.000 20010301 20310201 360 2,480.12 20010501 357 337,315.08 0029558848 080.0 608,000 07.750 20010401 20310301 360 4,355.79 20010501 358 607,138.99 0029558996 080.0 278,000 07.875 20010401 20310301 360 2,015.69 20010401 358 277,616.12 0029559051 080.0 336,800 07.375 20010401 20310301 360 2,326.19 20010501 358 336,285.88 0029559119 094.7 288,000 07.750 20010401 20310301 360 2,063.27 20010501 358 287,592.15 0029561347 080.0 304,000 07.250 20010501 20210401 240 2,402.74 20010601 239 303,433.93 0029562238 077.9 350,350 07.375 20010501 20310401 360 2,419.79 20010601 359 350,083.40 0029563335 080.0 388,000 07.250 20010501 20310401 360 2,646.84 20010501 359 387,697.33 0029564036 080.0 468,000 07.500 20010401 20310301 360 3,272.32 20010501 358 467,303.19 0029567898 095.0 280,136 07.375 20010501 20310401 360 1,934.83 20010501 359 279,922.84 0029569399 080.0 388,000 07.375 20010401 20310301 360 2,679.82 20010501 358 387,407.71 0029570744 080.0 372,000 07.750 20010301 20310201 360 2,665.06 20010501 357 371,207.22 0029571130 080.0 309,435 07.500 20010401 20310301 360 2,163.62 20010601 358 308,974.26 0029571148 078.7 393,700 07.375 20010401 20310301 360 2,719.19 20010501 358 393,099.00 0029571155 080.0 312,000 07.375 20010401 20310301 360 2,154.91 20010501 358 311,523.72 0029571163 090.0 324,713 07.625 20010401 20310301 360 2,298.30 20010501 358 324,241.47 0029571171 080.0 461,472 07.625 20010301 20310201 360 3,266.27 20010601 357 460,463.60 0029571189 075.6 340,000 07.625 20010301 20310201 360 2,406.50 20010501 357 339,212.98 0029571197 070.1 403,100 07.375 20010401 20310301 360 2,784.12 20010601 358 401,984.65 0029571205 080.0 388,000 07.625 20010301 20310201 360 2,746.24 20010501 357 387,152.17 0029571213 065.2 456,700 07.250 20010401 20310301 360 3,115.50 20010501 358 455,985.31 0029571221 080.0 408,000 07.500 20010401 20310301 360 2,852.80 20010501 358 407,392.51 0029571239 080.0 444,000 07.250 20010401 20310301 360 3,028.87 20010601 358 443,305.17 0029571247 065.9 392,000 07.500 20010401 20310301 360 2,740.93 20010601 358 391,416.32 0029571254 055.8 335,000 07.500 20010401 20310301 360 2,342.37 20010501 358 334,501.21 0029571262 066.7 400,000 07.625 20010401 20310301 360 2,831.18 20010501 358 399,419.14 0029571270 048.5 388,000 07.500 20010401 20310301 360 2,712.96 20010501 358 387,422.28 0029571288 062.7 445,000 07.625 20010401 20310301 360 3,149.69 20010501 358 444,068.08 0029571296 080.0 335,920 07.625 20010401 20310301 360 2,377.63 20010501 358 335,432.18 0029571304 080.0 327,240 07.250 20010301 20310201 360 2,232.36 20010501 357 326,469.51 0029571312 067.6 313,000 07.750 20010301 20310201 360 2,242.38 20010601 357 312,332.95 0029571320 072.6 500,000 07.125 20010401 20310301 360 3,368.60 20010601 358 499,197.93 0029571338 079.0 364,000 07.500 20010401 20310301 360 2,545.15 20010501 358 363,458.01 0029571346 064.1 452,250 07.375 20010401 20310301 360 3,123.58 20010501 358 451,559.63 0029571353 080.0 448,000 07.500 20010401 20310301 360 3,132.49 20010601 358 447,332.94 0029571361 041.1 650,000 07.125 20010401 20310301 360 4,379.18 20010501 358 648,957.31 0029571379 080.0 588,000 07.500 20010401 20310301 360 4,111.39 20010601 358 587,124.49 0029571429 080.0 544,000 07.625 20010301 20310201 360 3,850.40 20010601 357 542,811.28 0029571437 079.0 328,000 07.375 20010401 20310301 360 2,265.42 20010501 358 327,499.29 0029571445 087.8 288,000 08.000 20010201 20310101 360 2,113.25 20010501 356 287,219.23 0029571478 068.2 409,000 07.750 20010301 20310201 360 2,930.13 20010601 357 408,128.38 0029571494 075.8 320,399 08.000 20010201 20310101 360 2,350.97 20010501 356 319,530.43 0029571502 080.0 528,000 07.750 20010401 20310301 360 3,782.66 20010501 358 527,251.93 0029571544 072.8 367,500 07.750 20010401 20310301 360 2,632.82 20010601 358 366,979.56 0029571718 079.8 295,405 07.625 19991101 20291001 360 2,090.86 20010501 341 291,102.41 0029571734 062.2 342,000 07.750 20010301 20310201 360 2,450.13 20010501 357 341,271.17 0029571759 072.5 547,000 07.750 20010301 20310201 360 3,918.77 20010501 357 545,834.30 0029571767 080.0 360,000 07.500 20010101 20301201 360 2,517.18 20010501 355 358,647.30 0029571874 078.5 324,000 07.625 20010501 20310401 360 2,293.25 20010501 359 323,765.50 0029572054 062.1 500,000 08.000 20010201 20310101 360 3,668.82 20010501 356 498,644.55 0029572096 080.0 418,500 07.250 20010401 20310301 360 2,854.91 20010501 358 417,845.09 0029573920 080.0 432,000 07.125 20010501 20310401 360 2,910.47 20010501 359 431,654.53 0029573961 080.0 312,000 07.500 20010401 20310301 360 2,181.55 20010501 358 311,535.45 0029573987 080.0 444,000 07.500 20010401 20310301 360 3,104.52 20010501 358 443,338.90 0029575925 080.0 472,350 07.250 20010501 20310401 360 3,222.26 20010501 359 471,981.52 0029577152 075.4 358,500 07.500 20010501 20310401 360 2,506.69 20010501 359 358,233.94 0029577491 080.0 359,999 07.750 20010301 20310201 360 2,579.08 20010501 357 359,231.80 0029577558 074.1 318,582 08.250 20000101 20291201 360 2,393.41 20010501 343 313,924.94 0029577707 051.1 292,750 08.125 20010301 20310201 360 2,173.66 20010501 357 292,171.58 0029578176 055.1 430,000 07.625 20010401 20310301 360 3,043.51 20010501 358 429,375.57 0029578192 079.7 350,000 07.625 20010401 20310301 360 2,477.28 20010501 358 349,491.75 0029578655 080.0 580,000 07.500 20010401 20310301 360 4,055.44 20010501 358 579,136.42 0029578721 080.0 488,800 07.000 20010401 20310301 360 3,252.00 20010501 358 487,996.33 0029579422 048.3 303,800 08.125 20010401 20310301 360 2,255.71 20010501 358 303,401.19 0029580172 090.0 313,400 07.250 20010501 20310401 360 2,137.94 20010501 359 313,155.52 0029580453 080.0 355,200 07.500 20010401 20310301 360 2,483.61 20010601 358 354,671.12 0029580529 079.6 400,000 07.000 20010401 20310301 360 2,661.21 20010501 358 399,342.32 0029580586 073.0 555,000 07.750 20010401 20310301 360 3,976.09 20010501 358 554,214.05 0029580602 067.3 350,000 07.000 20010401 20310301 360 2,328.56 20010501 358 349,424.54 0029580644 076.5 650,000 07.500 20010401 20310301 360 4,544.89 20010501 358 649,032.19 0029580677 086.1 344,400 07.375 20010401 20310301 360 2,378.69 20010501 358 343,874.26 0029580693 080.0 410,000 07.500 20010401 20310301 360 2,866.78 20010501 358 409,389.54 0029580727 079.5 327,462 07.625 20010401 20310301 360 2,317.76 20010501 358 326,986.47 0029580776 069.9 366,945 07.500 20010401 20310301 360 2,565.74 20010501 358 366,398.63 0029580859 080.0 344,000 08.000 20010401 20310301 360 2,524.16 20010601 358 343,536.80 0029580925 080.0 339,900 07.500 20010401 20310301 360 2,376.64 20010501 358 339,393.90 0029580941 080.0 500,000 07.500 20010401 20310301 360 3,496.08 20010601 358 499,106.09 0029580982 080.0 415,200 07.125 20010401 20310301 360 2,797.28 20010601 358 414,533.97 0029581030 069.0 700,000 07.250 20010401 20310301 360 4,775.24 20010501 358 698,904.56 0029581089 080.0 588,000 07.375 20010401 20310301 360 4,061.17 20010501 358 587,102.41 0029582038 076.9 350,000 06.875 20010401 20310301 360 2,299.25 20010501 358 349,410.22 0029582301 087.7 300,000 07.375 20010401 20310301 360 2,072.03 20010601 358 299,542.04 0029582368 080.0 436,000 07.250 20010401 20310301 360 2,974.29 20010601 358 435,317.70 0029582392 090.0 289,700 07.875 20010401 20310301 360 2,100.53 20010501 358 289,299.95 0029582525 077.2 432,200 07.375 20010401 20310301 360 2,985.10 20010501 358 431,540.24 0029582582 058.7 308,300 07.500 20010401 20210301 240 2,483.64 20010501 238 307,182.99 0029582772 080.0 384,800 07.125 20010401 20310301 360 2,592.47 20010501 358 384,182.73 0029583168 070.1 281,050 07.500 20010401 20310301 360 1,965.15 20010501 358 280,631.52 0029583382 080.0 347,600 07.250 20010401 20310301 360 2,371.25 20010501 358 347,056.03 0029583473 080.0 355,200 07.125 20010401 20310301 360 2,393.05 20010501 358 354,630.21 0029583549 080.0 316,700 07.500 20010401 20310301 360 2,214.42 20010501 358 316,228.45 0029583606 068.4 389,650 07.250 20010401 20310301 360 2,658.10 20010501 358 389,040.24 0029583671 080.0 312,150 07.750 20010401 20310301 360 2,236.29 20010501 358 311,707.94 0029588019 080.0 278,200 08.125 20010501 20310401 360 2,065.63 20010501 359 278,018.02 0029589322 074.9 341,000 07.250 20010501 20310401 360 2,326.22 20010501 359 340,733.99 0029590106 062.0 397,500 07.375 20010501 20310401 360 2,745.43 20010501 359 397,197.54 0029591526 095.0 307,900 08.125 20001001 20300901 360 2,286.15 20010501 352 306,174.11 0029591542 056.3 1,000,000 08.500 20010201 20310101 360 7,689.13 20010501 356 997,550.91 0029591641 079.7 362,041 07.750 20010401 20310301 360 2,593.71 20010501 358 361,528.29 0029591682 079.8 518,400 07.750 20010401 20310301 360 3,713.89 20010601 358 517,665.86 0029591765 080.0 352,750 07.500 20010401 20310301 360 2,466.48 20010501 358 352,224.78 0029591880 075.0 330,000 07.375 20010401 20310301 360 2,279.23 20010501 358 329,496.25 0029591922 075.6 356,850 07.625 20010401 20310301 360 2,525.77 20010501 358 356,331.78 0029592128 067.8 882,000 07.000 20010401 20310301 360 5,867.97 20010501 358 880,549.84 0029592235 059.5 440,000 08.375 20001201 20301101 360 3,344.32 20010601 354 438,330.18 0029593027 062.5 350,000 07.750 20010401 20310301 360 2,507.45 20010501 358 349,504.34 0029593167 077.8 432,000 07.375 20010401 20310301 360 2,983.72 20010501 358 431,340.54 0029593225 080.0 364,700 06.750 20010401 20310301 360 2,365.44 20010501 358 364,070.23 0029593241 080.0 440,000 07.675 20010401 20310301 360 3,129.45 20010501 358 439,364.21 0029593308 083.8 309,940 07.625 20010401 20310301 360 2,193.74 20010601 358 309,489.92 0029593456 045.2 500,000 07.625 20010401 20310301 360 3,538.97 20010501 358 499,273.92 0029593480 080.0 333,350 07.875 20010401 20310301 360 2,417.02 20010501 358 332,889.67 0029593548 080.0 304,000 07.250 20010401 20310301 360 2,073.82 20010501 358 303,419.95 0029597259 058.9 368,000 06.875 20010501 20310401 360 2,417.50 20010501 359 367,690.83 0029600939 080.0 281,450 07.625 20010401 20310301 360 1,992.09 20010601 358 281,041.29 0029601135 080.0 322,550 07.250 20010601 20310501 360 2,200.36 20010601 360 322,550.00 0029603362 087.8 292,000 07.250 20010401 20310301 360 1,991.96 20010501 358 291,543.04 0029621851 049.9 388,000 07.500 20010501 20310401 360 2,712.95 20010501 359 387,712.05 0029632528 080.0 290,650 08.625 20000801 20300701 360 2,260.65 20010601 350 288,877.38 0029634557 065.0 650,000 08.250 20010401 20310301 360 4,883.23 20010601 358 649,168.17 0029634730 079.9 315,500 07.875 20010501 20310401 360 2,287.59 20010601 359 315,282.87 0029638392 080.0 323,400 07.375 20010501 20310401 360 2,233.65 20010501 359 323,153.91 0029641461 074.5 350,000 07.750 20010501 20310401 360 2,507.44 20010501 359 349,752.98 0029646965 080.0 300,000 07.625 20010501 20310401 360 2,123.38 20010501 359 299,782.87 0029661717 089.5 280,000 07.625 20010501 20310401 360 1,981.83 20010601 359 279,797.34 0029673092 080.0 298,200 06.750 20010501 20310401 360 1,934.12 20010601 359 297,943.26 0099000960 080.0 411,550 07.625 20010401 20310301 360 2,912.93 20010501 358 410,952.37 0099001257 078.9 485,000 07.250 20010501 20310401 360 3,308.56 20010501 359 484,621.65 0099001372 075.0 470,350 07.125 20010501 20310401 360 3,168.84 20010601 359 469,973.86 0099002453 080.0 315,618 07.625 20010401 20310301 360 2,233.92 20010501 358 315,159.69 0099002750 074.3 470,900 07.625 20010401 20310301 360 3,333.00 20010501 358 470,115.55 0099003170 085.0 415,650 07.500 20010501 20310401 360 2,906.29 20010501 359 415,341.52 0099003956 026.2 341,000 06.875 20010501 20310401 360 2,240.13 20010601 359 340,713.52 0099004095 076.4 324,500 07.375 20010501 20310401 360 2,241.24 20010501 359 324,253.08 0099005613 080.0 619,550 07.250 20010301 20310201 360 4,226.42 20010501 357 618,091.29 0099005928 077.7 400,000 08.000 20010501 20310401 360 2,935.06 20010501 359 399,731.61 0099006942 080.0 356,000 07.250 20010501 20310401 360 2,428.55 20010501 359 355,722.28 0099007148 080.0 471,900 07.000 20010401 20310301 360 3,139.56 20010501 358 471,124.11 0099007437 064.6 420,000 07.375 20010501 20310401 360 2,900.84 20010501 359 419,680.41 0099007569 079.6 513,100 07.500 20010501 20310401 360 3,587.67 20010601 359 512,719.21 0099007619 076.7 448,500 07.375 20010501 20310401 360 3,097.68 20010501 359 448,158.73 0099007825 079.7 378,500 07.625 20010501 20310401 360 2,679.00 20010501 359 378,226.05 0099007858 080.0 334,600 07.500 20010401 20310301 360 2,339.57 20010501 358 334,101.81 0099008526 068.3 570,000 07.250 20010501 20310401 360 3,888.41 20010501 359 569,555.34 0099008781 080.0 452,000 07.500 20010501 20310401 360 3,160.45 20010501 359 451,664.55 0099009284 075.0 390,000 07.375 20010501 20310401 360 2,693.64 20010501 359 389,703.24 0099009540 080.0 372,000 07.375 20010501 20310401 360 2,569.32 20010501 359 371,716.93 0099010381 080.0 318,900 07.625 20010501 20310401 360 2,257.15 20010501 359 318,669.19 0099010530 070.3 450,000 06.875 20010501 20310401 360 2,956.18 20010501 359 449,621.95 0099010555 075.9 531,000 06.875 20010501 20310401 360 3,488.29 20010501 359 530,553.90 0099010589 041.4 600,000 07.125 20010501 20310401 360 4,042.31 20010501 359 599,520.19 0099010605 056.9 344,000 07.500 20010501 20310401 360 2,405.30 20010501 359 343,744.70 0099010837 069.2 405,000 07.625 20010501 20310401 360 2,866.56 20010501 359 404,706.88 0099011371 080.0 312,000 07.250 20010501 20310401 360 2,128.39 20010601 359 311,756.57 0099012247 090.0 360,900 07.250 20010401 20310301 360 2,461.97 20010601 358 360,335.23 0099014003 063.8 300,000 07.375 20010501 20310401 360 2,072.03 20010501 359 299,771.72 0099014086 056.3 366,000 06.875 20010501 20310401 360 2,404.36 20010601 359 365,692.52 0099014383 075.0 375,000 07.250 20010501 20310401 360 2,558.17 20010501 359 374,707.46 0099014508 080.0 398,000 07.250 20010501 20310401 360 2,715.06 20010501 359 397,689.52 0099014805 062.1 360,000 07.375 20010501 20310401 360 2,486.43 20010501 359 359,726.07 0099015729 065.0 325,000 07.250 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359,732.82 6863160138 058.2 320,000 07.750 20010501 20310401 360 2,292.52 20010501 359 319,774.15 6863987456 067.0 375,000 07.375 20010501 20310401 360 2,590.04 20010501 359 374,714.65 6865853532 065.9 422,000 07.500 20010601 20310501 360 2,950.69 20010601 360 422,000.00 6867400134 075.4 460,000 06.750 20010601 20310501 360 2,983.56 20010601 360 460,000.00 6868126290 070.7 350,000 07.500 20010501 20310401 360 2,447.26 20010501 359 349,740.24 6869688132 080.0 295,200 07.375 20010501 20310401 360 2,038.88 20010501 359 294,975.37 6870216022 064.2 350,000 07.000 20010501 20310401 360 2,328.56 20010501 359 349,713.11 6870300099 080.0 344,000 07.500 20010501 20310401 360 2,405.30 20010501 359 343,744.70 6873413170 079.8 455,000 07.375 20010501 20310401 360 3,142.58 20010501 359 454,653.77 6873790650 080.0 364,000 07.375 20010501 20310401 360 2,514.06 20010501 359 363,723.02 6874669788 049.2 320,000 07.000 20010601 20310501 360 2,128.97 20010601 360 320,000.00 6875073279 080.0 320,000 07.500 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20010601 360 404,300.00 6914279002 080.0 320,000 07.375 20010501 20310401 360 2,210.17 20010501 359 319,756.50 6914578056 069.4 485,646 07.500 20010601 20310501 360 3,395.71 20010601 360 485,646.00 6915560475 080.0 332,000 07.375 20010601 20310501 360 2,293.05 20010601 360 332,000.00 6916558684 080.0 512,000 07.375 20010501 20310401 360 3,536.26 20010501 359 511,610.41 6918377190 080.0 304,000 07.250 20010601 20310501 360 2,073.82 20010601 360 304,000.00 6918377620 070.0 439,600 08.125 20010501 20310401 360 3,264.02 20010501 359 439,312.44 6919550530 040.0 1,000,000 07.625 20010501 20310401 360 7,077.94 20010501 359 999,276.23 6921094295 059.4 475,000 07.500 20010501 20310401 360 3,321.27 20010501 359 474,647.48 6921254147 063.3 475,000 07.000 20010501 20310401 360 3,160.19 20010501 359 474,610.64 6922333569 080.0 547,200 07.625 20010501 20310401 360 3,873.05 20010501 359 546,803.95 6923151275 080.0 500,000 07.000 20010601 20310501 360 3,326.52 20010601 360 500,000.00 6924713339 044.1 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069.6 355,000 07.000 20010601 20310501 360 2,361.83 20010601 360 355,000.00 6947459605 063.6 350,000 07.125 20010501 20310401 360 2,358.02 20010601 359 349,720.11 6948783896 080.0 296,000 07.125 20010501 20310401 360 1,994.21 20010501 359 295,763.29 6952659362 080.0 303,920 07.250 20010501 20310401 360 2,073.28 20010501 359 303,682.90 6954258809 053.3 400,000 07.500 20010501 20310401 360 2,796.86 20010501 359 399,703.14 6957554436 070.0 476,000 07.250 20010501 20310401 360 3,247.16 20010501 359 475,628.67 6957957142 077.2 475,500 06.875 20010501 20310401 360 3,123.70 20010501 359 475,100.52 6959638427 047.9 517,000 07.250 20010501 20310401 360 3,526.86 20010501 359 516,596.68 6974945963 074.9 356,000 07.625 20010501 20310401 360 2,519.75 20010501 359 355,742.33 6978139167 080.0 508,000 06.875 20010501 20310401 360 3,337.20 20010501 359 507,573.22 6978775291 079.9 360,800 07.000 20010501 20310401 360 2,400.42 20010501 359 360,504.25 6982302835 080.0 505,600 07.125 20010501 20310401 360 3,406.33 20010501 359 505,195.67 6985393690 080.0 416,000 07.250 20010501 20310401 360 2,837.86 20010601 359 415,675.47 6988119779 072.8 356,800 07.500 20010501 20310401 360 2,494.80 20010501 359 356,535.20 6991187045 090.0 337,500 07.375 20010601 20310501 360 2,331.03 20010601 360 337,500.00 6992349529 080.0 528,000 07.000 20010501 20310401 360 3,512.80 20010601 359 527,567.20 6994899364 080.0 340,000 07.250 20010501 20310401 360 2,319.40 20010501 359 339,734.77 6995077663 090.0 440,000 07.875 20010501 20310401 360 3,190.31 20010501 359 439,697.19 6996419773 077.6 357,000 07.625 20010501 20310401 360 2,526.83 20010501 359 356,741.61 6996591431 090.0 308,700 08.000 20010501 20310401 360 2,265.14 20010501 359 308,492.86
Bank of America Securities (continued) BOAMS 2001-06 30 YR Loan Count: 1,189 Scheduled Balance: 501,340,530.79 W/A Interest Rate: 7.34% Terms to Maturity W/A: 358
Loan Appraisal Sales Number FICO Value Price 0023749195 678 480,000 - 0023801111 785 522,000 463,809 0028253557 741 845,000 - 0028522787 737 875,000 - 0028580504 696 413,000 410,312 0028918985 748 678,000 676,359 0028964666 747 393,000 385,393 0029091857 669 481,000 479,000 0029096765 777 560,000 - 0029141322 734 900,000 - 0029160199 626 470,000 469,900 0029162633 765 372,000 369,900 0029197761 741 445,000 415,000 0029219912 776 355,000 - 0029245974 773 530,000 - 0029307337 740 850,000 - 0029311644 670 400,000 399,500 0029312402 704 412,000 - 0029318003 767 387,000 - 0029321288 789 562,000 - 0029332939 721 460,000 460,000 0029333846 736 418,000 377,372 0029338035 728 872,000 - 0029338530 803 489,000 487,570 0029343860 738 796,000 740,335 0029346111 794 600,000 - 0029348596 714 1,295,000 1,295,000 0029351012 671 404,000 403,130 0029354586 641 486,000 - 0029361904 681 560,000 - 0029361987 745 1,575,000 1,575,000 0029364395 774 403,000 399,690 0029369493 720 450,000 450,000 0029369584 629 450,000 - 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EXHIBIT D-2 LOAN GROUP 2 MORTGAGE LOAN SCHEDULE Bank of America Securities BOAMS 2001-6 15 YR Loan Count: 278 Scheduled PB: 125,417,551.68 Interest Rate W/A: 7.29% Terms to Maturity W/A: 177
Loan Borrower Zip Property Loan Number Last Name State Code Type Occupancy Purpose 0028763472 COETZER FL 33160 High-Rise Condo Primary Purchase 0028970572 WOLF PA 18938 Single Family Primary Refinance 0029001443 MOELLER TX 77055 PUD Primary Purchase 0029019643 MCGUIRE IL 61822 Single Family Primary Purchase 0029039765 LUDEMAN VA 22576 Single Family Secondary Cash-out Refinance 0029046166 FRANKEL NC 27055 Single Family Primary Refinance 0029047149 MAVROMATIS MD 20872 PUD Primary Purchase 0029138872 RUSSEL MD 21813 PUD Secondary Purchase 0029150471 GARCIA KS 66224 PUD Primary Purchase 0029189230 HOTT JR CO 80525 PUD Primary Refinance 0029193737 BERETTA CA 92657 PUD Primary Purchase 0029195898 BENNETT DC 20037 Condominimum Primary Purchase 0029199932 TRUONG CA 95138 Single Family Primary Refinance 0029207958 ZHENG MD 20850 PUD Primary Purchase 0029222585 LOVELESS JR AL 35223 Single Family Primary Refinance 0029290178 PECCHIO GA 30145 PUD Primary Purchase 0029292059 COHEN FL 33328 PUD Primary Purchase 0029306594 MCNEIR IL 60048 Single Family Primary Cash-out Refinance 0029328374 CHAO CA 91754 Single Family Primary Refinance 0029328457 HAUKENESS CO 80304 Single Family Primary Cash-out Refinance 0029330115 WRIGHT MN 55346 Single Family Primary Purchase 0029330586 ROTHSTEIN MN 55331 Single Family Primary Cash-out Refinance 0029341443 MELO FL 33328 PUD Primary Purchase 0029341526 SHETH GA 30329 Single Family Primary Refinance 0029361078 GRAM MD 21037 PUD Primary Purchase 0029367109 MCCANN OK 74137 Single Family Primary Refinance 0029368024 RAZZAQUI CA 95020 Single Family Primary Refinance 0029368081 HOWE AZ 86001 PUD Primary Refinance 0029368115 OLSON AZ 85331 PUD Primary Purchase 0029368305 MARSHALL MA 02632 Single Family Primary Purchase 0029375912 WILDENTHAL TX 75219 High-Rise Condo Primary Purchase 0029387826 POWELL VA 23220 Single Family Primary Refinance 0029393451 CHA OK 74011 Single Family Primary Purchase 0029396447 HATCH TX 76449 Single Family Secondary Refinance 0029399854 LEWIN CA 90036 Single Family Primary Refinance 0029404456 WARNER CO 80482 PUD Secondary Purchase 0029405073 BEGLE JR DC 20008 Single Family Primary Cash-out Refinance 0029408192 VILASI JR FL 34202 PUD Primary Purchase 0029422235 LEES CA 91604 Single Family Primary Cash-out Refinance 0029423076 LESLIE FL 33772 Single Family Primary Cash-out Refinance 0029424991 FREED CA 95602 PUD Primary Purchase 0029431640 MEAGHER WA 98040 Single Family Primary Refinance 0029433604 VON BARGEN WA 98199 Single Family Primary Purchase 0029438785 BARES TN 38018 PUD Primary Purchase 0029442860 PROVINS NV 89134 PUD Primary Purchase 0029457579 MACDONALD CA 94538 Single Family Primary Cash-out Refinance 0029458403 MCCANDLESS TX 75087 Single Family Primary Purchase 0029459872 ZANAN FL 33154 Condominimum Secondary Purchase 0029461043 CHURCHMAN TX 75093 PUD Primary Purchase 0029463973 LUCAS VA 22305 Single Family Primary Refinance 0029464435 LEVERMORE DC 20007 Single Family Primary Purchase 0029468428 PRENGLER TX 75248 Single Family Primary Refinance 0029470952 MOSHTAGHI SC 29492 PUD Primary Refinance 0029471281 GERAGHTY CO 80525 PUD Primary Purchase 0029472354 TAGGART SC 29401 Single Family Secondary Refinance 0029473253 TSENG TX 75079 PUD Primary Purchase 0029476785 WATKINS WA 98335 Single Family Primary Refinance 0029482940 MANDELKER OH 43017 Single Family Primary Refinance 0029482957 ORNDORFF JR MD 21842 Condominimum Secondary Purchase 0029486149 CLING OR 97403 Single Family Primary Cash-out Refinance 0029501848 KELLER SC 29690 Single Family Primary Cash-out Refinance 0029510922 ZALOBA TN 37067 Single Family Primary Refinance 0029532181 KHWICE MN 55386 Single Family Primary Cash-out Refinance 0029534757 BANNING JR VA 24121 PUD Secondary Refinance 0029541877 TRAN WA 98029 PUD Primary Purchase 0029548757 COWEN TX 78248 PUD Primary Purchase 0029551959 WAN CA 91006 Single Family Primary Purchase 0029555638 ATHERTON JR TX 77401 Single Family Primary Purchase 0029555844 PARK CA 92646 PUD Primary Cash-out Refinance 0029562055 TANG KS 66224 PUD Primary Refinance 0029564143 GEORGE IL 62707 Single Family Primary Refinance 0029569704 GRAHAM IL 60048 Single Family Primary Refinance 0029571403 POLLACK WI 53092 Single Family Primary Refinance 0029571411 SLOTTERBACK WI 53226 Single Family Primary Purchase 0029571460 SODERGREN CT 06419 Single Family Primary Purchase 0029571510 JARRARD WI 53705 Single Family Primary Refinance 0029571528 HARTMAN IA 52403 Single Family Primary Purchase 0029571536 KULWIN MA 02568 Single Family Secondary Purchase 0029571726 BEADERSTADT IA 52753 Single Family Primary Purchase 0029571775 KALAND WI 53045 PUD Primary Cash-out Refinance 0029571783 BORYS IL 60126 Single Family Primary Purchase 0029571791 CAHAIL MO 65020 Single Family Primary Refinance 0029571817 BURNS FL 33770 Single Family Primary Purchase 0029572120 OWENS AZ 85054 PUD Primary Purchase 0029577624 CHIVINGTON IL 60540 Single Family Primary Refinance 0029577657 HARMON IA 52403 Single Family Primary Refinance 0029577665 GRISONI AZ 85259 PUD Primary Purchase 0029580784 PILANUN MD 20854 Single Family Primary Refinance 0029582111 YEH VA 22209 PUD Primary Refinance 0029582442 GRIFFIN MD 20723 PUD Primary Purchase 0029582632 ALLISON TX 75231 Single Family Primary Purchase 0029582715 WEST TN 37922 PUD Primary Refinance 0029582889 LEE NY 10304 Single Family Primary Purchase 0029582947 PIERSON NJ 07976 Single Family Primary Cash-out Refinance 0029603545 JORDAN VA 23454 Single Family Primary Refinance 0029638715 FLURY MD 21401 PUD Primary Purchase 0099018798 GORDEYCHEV CA 94546 Single Family Primary Cash-out Refinance 0099019416 VICK JR CO 80816 Single Family Secondary Refinance 0099024564 LANCASTER GA 30331 PUD Primary Refinance 0099024820 DOAN CA 95148 Single Family Primary Refinance 6001016499 LEE CA 94122 Single Family Primary Refinance 6001843041 KASTEN CA 91302 PUD Primary Cash-out Refinance 6001971214 KEESTER FL 32034 PUD Primary Refinance 6005344988 NEVIN CA 94941 Single Family Primary Refinance 6020092257 NOMI DDS WA 98008 Single Family Primary Refinance 6025516276 KELLY CA 92651 Single Family Secondary Purchase 6035467213 STEIN WI 53217 Single Family Primary Purchase 6036603410 THOMAS CA 94563 Single Family Primary Refinance 6036658588 CRUZ NV 89109 High-Rise Condo Secondary Purchase 6072019232 CIRILLO CA 92110 Single Family Primary Refinance 6072643213 HARRIS SC 29576 Single Family Secondary Purchase 6076139846 ANDERSON CA 90049 Single Family Primary Refinance 6076224770 ELYAKIM NY 11229 Single Family Primary Purchase 6082649846 GIROLAMI CA 94010 Single Family Primary Refinance 6089568940 HAISLIP CA 95220 Single Family Primary Cash-out Refinance 6090426294 VON SPRECKEN CA 92887 Single Family Primary Refinance 6094046908 CHILD CA 92653 PUD Primary Refinance 6100033320 SUTERA AZ 86442 Single Family Primary Refinance 6101088356 HAMMOND MI 48167 Single Family Primary Refinance 6121188038 WANG CA 94306 Single Family Primary Refinance 6134443651 BIEN CA 94558 Single Family Primary Refinance 6139627076 HERMAN SR NC 27215 Single Family Primary Cash-out Refinance 6140655942 BASSHAM CA 92128 PUD Primary Cash-out Refinance 6143460712 HOVANNESSIAN CA 91011 Single Family Primary Cash-out Refinance 6149140730 QUATEMAN CA 90265 Condominimum Secondary Purchase 6151883383 DAVID GA 30307 Single Family Primary Cash-out Refinance 6153925703 JAHN IL 60464 Single Family Primary Refinance 6160994858 WEST FL 33040 Single Family Secondary Purchase 6163480004 FORSLUND MN 56472 Single Family Secondary Purchase 6165726297 UMBREIT CA 91604 Single Family Primary Refinance 6168654942 WINTER IL 60022 Single Family Primary Refinance 6169469092 BRAMBILA CA 91910 Single Family Primary Purchase 6196907700 KOCHER CA 94025 PUD Primary Refinance 6200658174 HESS MD 21012 Single Family Primary Cash-out Refinance 6204042318 GERSH MD 20815 Single Family Primary Cash-out Refinance 6204073669 FEIN CA 91607 Single Family Primary Refinance 6210879034 WIMER VA 22101 PUD Primary Cash-out Refinance 6215518082 GREENE III NC 27932 Single Family Primary Refinance 6217110292 BERMAN MI 48304 Single Family Primary Refinance 6226717004 BLAKESLEE SR VA 20151 PUD Primary Purchase 6235869127 DUFFY CA 94115 Condominimum Primary Cash-out Refinance 6241337630 NGUYEN CA 91107 Single Family Primary Purchase 6254217174 ADAMS CA 93953 Single Family Secondary Refinance 6263556869 SMITH JR GA 31768 Single Family Primary Refinance 6273578317 SCHECHTER FL 33483 Condominimum Primary Purchase 6281039930 YERUSHALMI NV 89109 High-Rise Condo Secondary Purchase 6285483555 WONG CA 95125 PUD Primary Refinance 6293301823 BERGESON GA 30307 PUD Primary Purchase 6296689497 TAVENNER VA 23838 PUD Primary Purchase 6298811263 SNYDER CA 91316 Single Family Primary Refinance 6306017143 RANDOLPH JR PA 19087 Single Family Primary Cash-out Refinance 6306279941 NGUYEN CA 92648 PUD Primary Cash-out Refinance 6309601398 KEVESEVIC CA 94550 Single Family Primary Purchase 6309778790 SIMINITUS CA 94402 Single Family Primary Refinance 6321987130 EWERS TX 75219 High-Rise Condo Primary Purchase 6329305566 WOLOWICZ CA 90275 Single Family Primary Refinance 6330980811 ROBBINS CA 93908 Single Family Primary Cash-out Refinance 6332699658 MAYER WA 98004 Condominimum Primary Refinance 6333135165 VANDENBRINK WA 98072 Single Family Primary Cash-out Refinance 6341723713 GROTH MI 49085 Single Family Primary Purchase 6344447161 CHO CA 94539 Single Family Primary Refinance 6348696425 YU CA 91108 Single Family Primary Purchase 6348924942 SKOLNICK CA 91302 PUD Primary Refinance 6355615540 CALDWELL FL 33767 High-Rise Condo Primary Purchase 6358721915 RAMSEY CA 95630 Single Family Primary Cash-out Refinance 6359648349 AYRES DC 20016 Condominimum Primary Refinance 6363856250 JONES CA 94403 Single Family Primary Refinance 6366792189 ASHTON CA 91362 PUD Primary Refinance 6367641971 MILLER CO 80503 PUD Primary Refinance 6369860363 HARRIS NC 27927 PUD Secondary Refinance 6384741846 GREGORY CA 94514 PUD Primary Cash-out Refinance 6385380966 CROWE SC 29672 Single Family Secondary Cash-out Refinance 6388729599 DURHAM CA 95030 Single Family Primary Refinance 6391766166 GELLING CA 92705 Single Family Primary Cash-out Refinance 6406395381 HUANG CA 92657 Single Family Primary Refinance 6421788974 BERI CT 06820 Single Family Primary Purchase 6425607097 GREENSPOON FL 33021 Single Family Primary Refinance 6440724901 STEIN MD 20850 PUD Primary Refinance 6449608873 DEPHILIPPIS CA 92118 PUD Primary Refinance 6464373767 AINGE VA 20194 PUD Primary Purchase 6466464101 FEINBERG FL 33021 PUD Primary Refinance 6467260318 LAROCHE SC 29020 Single Family Primary Cash-out Refinance 6476870339 NEWHALL CA 95032 Single Family Primary Cash-out Refinance 6485742099 SUMMER NC 27310 Single Family Primary Cash-out Refinance 6494654533 SINGH TAGORE CA 93727 Single Family Primary Cash-out Refinance 6509581242 GETSAY TN 37212 Single Family Primary Purchase 6510973768 DELGADO CA 90266 PUD Primary Cash-out Refinance 6519100827 GREENHALGH CA 95616 Single Family Primary Cash-out Refinance 6527101478 BUARQUE DE MACE DC 20016 PUD Investor Refinance 6530183984 DANIELS MD 21601 Single Family Primary Refinance 6530869947 MCDOUGALL AZ 85020 PUD Primary Purchase 6533624612 PAPADOPOULOS CA 94903 PUD Primary Purchase 6535311861 JAMES NV 89109 High-Rise Condo Primary Purchase 6542311565 FELDMAN MD 20815 High-Rise Condo Primary Refinance 6545654029 CHAJET VA 22102 Single Family Primary Refinance 6562830122 WHITLATCH OH 45241 PUD Primary Refinance 6567692568 WEINBERGER NV 89448 Single Family Secondary Refinance 6579232767 PFEFFER MD 20817 Single Family Primary Refinance 6582250293 CONSORTI CA 94024 Single Family Primary Cash-out Refinance 6585723171 GUNAPALA CA 91381 PUD Primary Refinance 6586721976 RAGUSO FL 34242 Single Family Primary Refinance 6589094074 HESS ID 83703 PUD Primary Cash-out Refinance 6594485010 ZASLAV VA 23220 Single Family Primary Cash-out Refinance 6597376604 YEE CA 94030 Single Family Primary Purchase 6607504237 DAHN AZ 86301 Single Family Primary Cash-out Refinance 6610158120 LASKIN FL 33332 PUD Primary Refinance 6622579818 HARRISON CA 90292 High-Rise Condo Primary Purchase 6629399269 LEE CA 92009 PUD Primary Refinance 6635425280 WEISS IL 60062 Single Family Primary Cash-out Refinance 6637569002 SILVAN CA 92677 PUD Primary Refinance 6654328803 CHANG CA 91108 Single Family Primary Refinance 6658967754 LEONG CA 95661 Single Family Primary Refinance 6664022370 HUANG CA 92657 PUD Primary Refinance 6664818413 ADAMS CA 92067 PUD Primary Refinance 6665188469 SHANNON CA 91709 Single Family Primary Refinance 6666089591 GRAVES CA 92262 Single Family Primary Refinance 6667921156 GOLDBLUM CA 92648 Single Family Primary Refinance 6686233500 DISBENNETT CA 94131 Condominimum Primary Refinance 6686392181 WHITE FL 32963 Condominimum Secondary Purchase 6689234414 LIPPERT CA 91367 Single Family Primary Refinance 6691010638 TODD CA 91739 Single Family Primary Purchase 6699991953 ABBOTT CA 94109 Condominimum Primary Refinance 6703270667 CAREY CA 92660 Condominimum Primary Purchase 6723185945 MANIAGO DC 20037 High-Rise Condo Primary Purchase 6723201700 JONES JR CA 91106 Single Family Primary Refinance 6723481047 NEWELL CA 90024 Single Family Secondary Purchase 6724738981 THOMES FL 33037 Condominimum Primary Cash-out Refinance 6727244714 SCHUSSEL SC 29466 PUD Primary Purchase 6729863669 CARUSO NY 11790 Single Family Primary Cash-out Refinance 6738979332 NORTHCUTT SC 29016 Single Family Primary Refinance 6740345399 RODGERS CA 94566 Single Family Primary Cash-out Refinance 6743152263 ROJAS FL 33183 Single Family Primary Cash-out Refinance 6746075800 WELBORN NV 89109 High-Rise Condo Secondary Purchase 6749061922 NEWMAN CA 92646 Single Family Primary Cash-out Refinance 6754057625 SHAW FL 32503 Single Family Primary Refinance 6768734847 ARNETT D D S CA 91362 PUD Primary Cash-out Refinance 6772352867 POPE CA 92253 PUD Secondary Purchase 6777597631 CHISM CA 92677 PUD Primary Refinance 6779773552 KATSANIS SC 29420 PUD Primary Refinance 6786766847 PINTO CA 94086 Single Family Primary Refinance 6802383304 PARK CA 92835 Single Family Primary Refinance 6804004429 NAUMOVSKY PA 18954 Single Family Primary Refinance 6807845539 DO CA 95014 Single Family Primary Purchase 6808288911 WOODARD MO 63131 Single Family Primary Refinance 6809696237 YANG CA 95138 PUD Primary Refinance 6813513246 HERBERT SC 29407 PUD Primary Cash-out Refinance 6814359045 MARSHALL NC 27927 PUD Secondary Purchase 6815277949 COHEN FL 33483 Single Family Primary Cash-out Refinance 6818101856 DE LATEUR CA 94024 Single Family Primary Cash-out Refinance 6829222923 HENNINGSEN NM 87571 Single Family Primary Refinance 6831855512 LEE CA 94923 PUD Primary Refinance 6837272092 BUARQUE DE MACE DC 20016 PUD Investor Refinance 6838171491 BUARQUE DE MACE DC 20016 PUD Investor Refinance 6843856672 WOOD CO 80027 PUD Primary Refinance 6847051734 JOHNSON NC 28374 PUD Primary Refinance 6855156334 RICKER M D CA 90020 Single Family Primary Refinance 6858284117 ROSS CA 92270 Single Family Secondary Refinance 6858807941 JOLSVAY MN 55305 Single Family Primary Refinance 6859115039 CHANG CA 94530 Single Family Primary Purchase 6864657975 ABBOTT FL 33325 PUD Primary Purchase 6865325366 LAI VA 22181 PUD Primary Refinance 6873251174 TONG CA 94010 Single Family Primary Refinance 6884813152 ARBUTHNOT CA 90069 Single Family Primary Refinance 6895310719 BALTER IL 60062 Single Family Primary Refinance 6900510394 HSU CA 94539 Single Family Primary Refinance 6910042982 LEE CA 94550 Single Family Primary Refinance 6911872320 REDFORD WA 98177 Single Family Primary Cash-out Refinance 6921178650 MOYER VA 20132 Single Family Primary Purchase 6923666561 BEDELL MO 63105 Condominimum Primary Purchase 6927097482 BEALL AZ 85215 Single Family Primary Cash-out Refinance 6948790099 BRUNO CA 94401 Condominimum Primary Cash-out Refinance 6956342239 MCKERLEY NV 89109 High-Rise Condo Primary Purchase 6956472226 REED CA 95630 Single Family Primary Refinance 6967478840 PERLMUTTER CA 94602 Single Family Primary Cash-out Refinance 6972321985 EDNALINO NY 10016 High-Rise Condo Primary Purchase 6982047786 VELASCO IL 60521 Single Family Primary Cash-out Refinance 6994358445 STEED TN 37205 Single Family Primary Refinance 6999002022 VAUGHT CA 92110 Single Family Primary Cash-out Refinance
Bank of America Securities (continued) BOAMS 2001-6 15 YR Loan Count: 278 Scheduled PB: 125,417,551.68 Interest Rate W/A: 7.29% Terms to Maturity W/A: 177
Loan Orig Interest 1st Pymt Maturity Orig Original Current Next Remaining Scheduled Number Doc Type LTV Rate Date Date Term PB P & I Due Date Term Balance 0028763472 Standard 80.000 8.500 20000901 20150801 180 472,800 4,655.85 20010501 171 460,699.54 0028970572 Standard 61.100 7.500 20001201 20151101 180 281,000 2,604.91 20010501 174 273,280.54 0029001443 Standard 80.000 8.000 20001201 20151101 180 275,900 2,636.64 20010501 174 271,035.72 0029019643 Standard 80.000 7.875 20010101 20151201 180 290,000 2,750.50 20010501 175 285,707.15 0029039765 Standard 46.200 8.125 20010101 20151201 180 600,000 5,777.29 20010501 175 591,309.15 0029046166 Standard 78.900 7.875 20010201 20140901 164 600,000 5,984.70 20010501 160 591,730.24 0029047149 Reduced 70.000 7.500 20010401 20160301 180 425,000 3,939.80 20010501 178 422,424.79 0029138872 Reduced 60.000 7.750 20010201 20160101 180 450,000 4,235.74 20010501 176 444,333.04 0029150471 Standard 80.000 8.000 20010201 20160101 180 306,908 2,932.98 20010501 176 303,324.66 0029189230 Standard 76.600 7.500 20010201 20160101 180 367,500 3,406.77 20010501 176 362,901.63 0029193737 Standard 36.800 7.875 20010101 20151201 180 380,000 3,604.11 20010501 175 374,374.86 0029195898 Standard 54.900 7.625 20010101 20151201 180 400,000 3,736.52 20010501 175 393,812.60 0029199932 Standard 26.300 7.750 20010201 20160101 180 408,000 3,840.41 20010501 176 402,647.51 0029207958 Standard 79.700 7.875 20010201 20160101 180 450,000 4,268.03 20010501 176 444,688.39 0029222585 Reduced 64.300 7.625 20010301 20160201 180 514,000 4,801.43 20010501 177 509,364.51 0029290178 Standard 80.000 7.375 20010201 20160101 180 560,000 5,151.57 20010501 176 553,097.08 0029292059 Reduced 70.000 7.625 20010201 20160101 180 350,000 3,269.45 20010501 176 270,141.59 0029306594 Standard 73.000 8.000 20010201 20160101 180 420,000 4,013.74 20010501 176 415,096.27 0029328374 Standard 65.500 7.250 20010301 20160201 180 327,598 2,990.52 20010501 177 322,524.17 0029328457 Reduced 70.000 7.500 20010401 20160301 180 420,000 3,893.46 20010501 178 417,455.15 0029330115 Reduced 79.800 7.125 20010301 20160201 180 395,000 3,578.04 20010501 177 391,279.81 0029330586 Reduced 73.200 7.250 20010401 20160301 180 366,000 3,341.08 20010501 178 363,733.51 0029341443 Reduced 73.000 7.250 20010301 20160201 180 550,000 5,020.75 20010601 177 544,875.67 0029341526 Standard 90.000 7.625 20010201 20160101 180 564,300 5,271.29 20010601 176 557,492.93 0029361078 Reduced 80.000 7.250 20010201 20160101 180 436,800 3,987.39 20010501 176 431,357.36 0029367109 Standard 75.400 7.250 20010401 20160301 180 309,000 2,820.75 20010501 178 307,086.49 0029368024 Standard 42.200 7.750 20001101 20151001 180 327,000 3,077.97 20010501 173 318,162.58 0029368081 Standard 72.000 7.875 20010101 20151201 180 450,000 4,268.03 20010501 175 443,274.06 0029368115 Standard 80.000 7.875 20010201 20160101 180 416,000 3,945.55 20010501 176 411,089.71 0029368305 Standard 33.900 7.875 20010101 20151201 180 500,000 4,742.25 20010501 175 492,598.49 0029375912 Standard 80.000 7.125 20010401 20160301 180 503,200 4,558.14 20010501 178 500,049.90 0029387826 Standard 66.200 7.125 20010401 20160301 180 440,000 3,985.66 20010501 178 437,245.53 0029393451 Standard 90.000 7.250 20010401 20160301 180 331,200 3,023.40 20010501 178 329,149.02 0029396447 Standard 67.300 7.250 20010501 20160401 180 327,203 2,986.92 20010501 179 326,192.93 0029399854 Standard 63.700 7.500 20010401 20160301 180 382,000 3,541.19 20010501 178 379,685.41 0029404456 Standard 79.900 7.250 20010401 20160301 180 319,200 2,913.86 20010501 178 317,223.33 0029405073 Standard 55.600 7.375 20010401 20160301 180 450,000 4,139.65 20010401 178 447,243.51 0029408192 Standard 80.000 7.750 19990901 20131201 172 419,800 4,049.38 20010501 151 389,807.07 0029422235 Stated 68.400 7.125 20010501 20160401 180 320,623 2,904.30 20010601 179 319,621.63 0029423076 Reduced 53.100 7.000 20010501 20160401 180 411,750 3,700.93 20010501 179 410,450.95 0029424991 Standard 80.000 7.500 20010301 20160201 180 562,500 5,214.45 20010501 177 557,371.61 0029431640 Standard 37.500 7.125 20010401 20160301 180 450,000 4,076.25 20010501 178 447,182.92 0029433604 Standard 80.000 7.250 20010401 20160301 180 484,000 4,418.26 20010501 178 480,813.40 0029438785 Standard 80.000 7.375 20010401 20160301 180 340,000 3,127.74 20010601 178 337,917.30 0029442860 Reduced 73.900 7.125 20010501 20160401 180 425,000 3,849.79 20010501 179 423,673.65 0029457579 Reduced 71.400 6.625 20010301 20160201 180 300,000 2,633.98 20010601 177 296,977.33 0029458403 Reduced 80.000 7.000 20010301 20160201 180 464,000 4,170.56 20010501 177 459,582.65 0029459872 Standard 80.000 7.375 20010301 20160201 180 372,000 3,422.11 20010501 177 368,571.43 0029461043 Standard 80.000 7.250 20010501 20160401 180 312,000 2,848.13 20010501 179 311,036.87 0029463973 Standard 75.100 6.875 20010301 20160201 180 319,000 2,845.02 20010501 177 315,930.23 0029464435 Reduced 42.900 6.750 20010301 20160201 180 375,000 3,318.41 20010501 177 371,352.45 0029468428 Reduced 70.100 7.500 20010301 20160201 180 294,400 2,729.12 20010601 177 291,577.75 0029470952 Reduced 78.000 7.125 20010501 20160401 180 320,000 2,898.66 20010501 179 319,001.34 0029471281 Reduced 79.900 7.000 20010501 20160401 180 382,400 3,437.12 20010501 179 381,193.55 0029472354 Standard 30.200 7.000 20010501 20160401 180 437,500 3,932.38 20010501 179 436,119.70 0029473253 Standard 59.100 7.750 20010201 20160101 180 650,000 6,118.30 20010501 176 642,243.73 0029476785 Standard 78.200 7.125 20010401 20160301 180 324,700 2,941.23 20010501 178 322,667.33 0029482940 Reduced 74.100 7.125 20010501 20160401 180 485,300 4,396.00 20010501 179 483,785.47 0029482957 Standard 70.000 7.000 20010401 20160301 180 472,500 4,246.96 20010501 178 469,218.72 0029486149 Standard 75.000 7.000 20010501 20160401 180 307,500 2,763.90 20010501 179 306,529.85 0029501848 Standard 42.900 7.000 20010501 20160401 180 600,000 5,392.97 20010501 179 598,107.03 0029510922 Standard 80.000 7.125 20010501 20160401 180 361,550 3,275.03 20010501 179 360,421.67 0029532181 Reduced 55.000 7.250 20010501 20160401 180 605,000 5,522.83 20010501 179 603,132.38 0029534757 Standard 72.900 7.000 20010501 20160401 180 473,700 4,257.75 20010501 179 472,205.50 0029541877 Standard 90.000 6.875 20010501 20160401 180 287,050 2,560.07 20010501 179 286,134.49 0029548757 Reduced 80.000 7.125 20010401 20160301 180 344,000 3,116.06 20010501 178 340,840.57 0029551959 Standard 46.000 6.750 20010301 20160201 180 400,000 3,539.64 20010501 177 396,109.28 0029555638 Reduced 76.900 6.750 20010401 20160301 180 650,000 5,751.91 20010501 178 645,796.88 0029555844 Standard 74.400 7.375 20010401 20160301 180 595,000 5,473.54 20010501 178 591,355.29 0029562055 Standard 59.800 7.250 20010501 20160401 180 299,000 2,729.46 20010501 179 298,077.00 0029564143 Standard 64.600 6.750 20010401 20160301 180 565,000 4,999.74 20010601 178 556,346.01 0029569704 Standard 77.800 7.250 20010401 20160301 180 350,300 3,197.76 20010501 178 348,130.74 0029571403 Standard 69.800 7.950 20010201 20160101 180 419,000 3,992.10 20010601 176 412,058.82 0029571411 Standard 90.000 7.875 20010101 20151201 180 327,600 3,107.13 20010501 175 322,750.50 0029571460 Standard 61.900 7.875 20010201 20160101 180 320,000 3,035.04 20010501 176 314,203.12 0029571510 Standard 73.300 7.250 20010401 20160301 180 440,000 4,016.60 20010501 178 437,275.26 0029571528 Standard 80.000 7.750 20010101 20151201 180 345,600 3,253.05 20010501 175 340,428.39 0029571536 Standard 77.800 7.875 20010201 20160101 180 650,000 6,164.93 20010501 176 642,327.67 0029571726 Standard 80.000 7.625 20010301 20160201 180 324,000 3,026.58 20010501 177 321,078.00 0029571775 Standard 60.600 7.375 20010401 20160301 180 395,500 3,638.30 20010501 178 390,701.12 0029571783 Standard 79.700 7.750 20010201 20160101 180 392,750 3,696.87 20010501 176 388,038.38 0029571791 Standard 73.200 7.500 20010301 20160201 180 384,100 3,560.65 20010501 177 380,598.11 0029571817 Standard 89.000 7.875 20001201 20151101 180 375,150 3,558.11 20010501 174 368,464.02 0029572120 Standard 55.500 7.625 20010201 20160101 180 355,000 3,316.16 20010501 176 350,717.65 0029577624 Standard 58.400 7.750 20010201 20110101 120 306,500 3,678.33 20010501 116 298,119.03 0029577657 Reduced 57.200 7.950 20001201 20151101 180 429,000 4,087.38 20010501 174 421,403.64 0029577665 Reduced 53.500 7.250 20010301 20110201 120 500,000 5,870.06 20010601 117 491,400.57 0029580784 Standard 67.600 6.875 20010401 20160301 180 382,000 3,406.88 20010501 178 379,556.33 0029582111 Standard 67.000 6.875 20010401 20160301 180 330,000 2,943.12 20010601 178 327,888.99 0029582442 Reduced 80.000 6.875 20010401 20160301 180 340,000 3,032.30 20010501 178 337,825.01 0029582632 Reduced 80.000 7.000 20010401 20160301 180 500,000 4,494.14 20010501 178 496,835.85 0029582715 Reduced 79.400 6.375 20010401 20160301 180 460,800 3,982.47 20010501 178 457,722.91 0029582889 Standard 75.100 7.625 20010401 20160301 180 326,500 3,049.93 20010501 178 324,543.21 0029582947 Standard 26.700 7.250 20010401 20160301 180 400,000 3,651.46 20010501 178 397,522.96 0029603545 Standard 78.900 7.250 20010401 20160301 180 347,000 3,167.64 20010501 178 344,851.17 0029638715 Reduced 70.200 7.375 20010501 20160401 180 496,979 4,571.83 20010501 179 495,461.52 0099018798 Standard 73.300 7.125 20010401 20160301 180 330,000 2,989.24 20010501 178 327,934.16 0099019416 Reduced 69.600 7.875 20010501 20110401 120 592,000 7,143.56 20010501 119 588,741.44 0099024564 Standard 70.400 6.875 20010501 20160401 180 500,000 4,459.27 20010501 179 498,405.31 0099024820 Standard 70.000 7.500 20010501 20160401 180 350,000 3,244.54 20010501 179 348,942.96 6001016499 Reduced 70.700 7.375 20010501 20160401 180 512,750 4,716.91 20010501 179 511,184.37 6001843041 Timesaver-2 59.900 7.250 20010401 20160301 180 575,000 5,248.97 20010501 178 571,137.44 6001971214 Standard 57.700 7.000 20010501 20160401 180 334,425 3,005.91 20010501 179 333,369.90 6005344988 Standard 21.800 7.250 20010501 20160401 180 349,000 3,185.90 20010501 179 347,922.64 6020092257 Standard 60.300 8.000 20010501 20160401 180 875,000 8,361.96 20010601 179 872,471.37 6025516276 Reduced 75.000 7.000 20010501 20160401 180 630,000 5,662.62 20010501 179 628,012.38 6035467213 Standard 78.900 7.000 20010501 20160401 180 499,000 4,485.16 20010501 179 497,425.67 6036603410 Standard 41.100 7.375 20010401 20160301 180 720,000 6,623.45 20010501 178 715,589.59 6036658588 Standard 39.600 7.625 20010301 20160201 180 300,000 2,802.39 20010501 177 297,294.47 6072019232 Reduced 68.800 7.125 20010501 20160401 180 385,000 3,487.46 20010501 179 383,798.48 6072643213 Standard 70.000 6.750 20010501 20160401 180 560,000 4,955.50 20010501 179 558,194.50 6076139846 All Ready Home 24.400 7.500 20010401 20160301 180 977,000 9,056.92 20010501 178 971,080.22 6076224770 Standard 86.000 7.375 20010401 20160301 180 400,000 3,679.70 20010501 178 397,549.76 6082649846 All Ready Home 18.800 7.250 20010501 20160401 180 488,000 4,454.78 20010601 179 486,493.55 6089568940 Standard 77.100 7.500 20010301 20160201 180 455,000 4,217.91 20010501 177 450,694.09 6090426294 Reduced 67.300 7.250 20010501 20160401 180 561,700 5,127.56 20010501 179 559,966.04 6094046908 All Ready Home 34.700 7.625 20010401 20160301 180 394,000 3,680.48 20010501 178 391,619.00 6100033320 Reduced 79.900 7.000 20010501 20160401 180 407,600 3,663.63 20010501 179 406,314.04 6101088356 Standard 56.200 7.500 20010401 20160301 180 325,000 3,012.80 20010601 178 323,030.77 6121188038 Reduced 32.200 7.125 20010501 20160401 180 386,000 3,496.51 20010501 179 384,795.37 6134443651 Standard 61.600 7.375 20010401 20160301 180 453,000 4,167.26 20010501 178 450,225.10 6139627076 Reduced 74.800 7.125 20010501 20160401 180 400,000 3,623.33 20010501 179 398,751.67 6140655942 Standard 50.000 7.500 20010401 20160301 180 1,000,000 9,270.13 20010501 178 993,940.86 6143460712 Standard 26.300 7.500 20010501 20160401 180 420,000 3,893.46 20010501 179 418,731.54 6149140730 Reduced 80.000 6.875 20010501 20160401 180 307,600 2,743.35 20010601 179 306,618.94 6151883383 Standard 79.100 8.625 20001001 20150901 180 791,000 7,847.36 20010501 172 773,262.19 6153925703 Reduced 60.700 7.500 20010601 20160501 180 539,900 5,004.94 20010601 180 539,900.00 6160994858 Standard 71.700 6.875 20010501 20160401 180 400,000 3,567.42 20010501 179 398,724.25 6163480004 Reduced 80.000 7.375 20010301 20160201 180 400,000 3,679.70 20010501 177 396,313.34 6165726297 Standard 80.000 7.125 20010401 20160301 180 372,000 3,369.70 20010501 178 369,671.21 6168654942 Reduced 41.500 7.500 20010501 20160401 180 360,000 3,337.25 20010501 179 358,912.75 6169469092 Standard 64.000 7.500 20010301 20160201 180 400,000 3,708.05 20010601 177 192,553.39 6196907700 Reduced 30.800 7.250 20010501 20160401 180 369,000 3,368.47 20010501 179 367,860.91 6200658174 Reduced 64.200 7.250 20010401 20160301 180 385,000 3,514.53 20010501 178 381,333.01 6204042318 Standard 58.600 7.375 20010501 20160401 180 375,000 3,449.72 20010501 179 373,854.97 6204073669 Reduced 70.100 7.375 20010401 20160301 180 305,000 2,805.77 20010701 178 302,936.27 6210879034 Standard 52.900 7.125 20010401 20160301 180 900,000 8,152.49 20010501 178 894,365.84 6215518082 Standard 70.100 7.000 20010401 20160301 180 340,000 3,056.02 20010501 178 337,848.37 6217110292 Standard 66.500 7.125 20010501 20160401 180 731,000 6,621.63 20010601 179 728,718.68 6226717004 Standard 80.000 6.625 20010501 20160401 180 536,000 4,706.05 20010501 179 534,253.12 6235869127 Reduced 57.000 8.125 20000901 20150801 180 405,000 3,899.68 20010501 171 394,295.93 6241337630 Reduced 75.000 6.875 20010501 20160401 180 427,500 3,812.68 20010501 179 426,136.54 6254217174 Standard 46.400 7.250 20010501 20160401 180 399,000 3,642.33 20010501 179 397,768.30 6263556869 Reduced 80.000 6.875 20010501 20160401 180 340,000 3,032.31 20010501 179 338,915.61 6273578317 Reduced 58.800 7.375 20010401 20160301 180 400,000 3,679.70 20010601 178 397,549.76 6281039930 Standard 70.000 7.500 20010501 20160401 180 329,175 3,051.50 20010601 179 328,180.84 6285483555 Reduced 61.000 7.000 20010501 20160401 180 398,000 3,577.34 20010501 179 396,744.33 6293301823 Reduced 80.000 6.875 20010501 20160401 180 592,000 5,279.78 20010501 179 590,111.89 6296689497 Standard 80.000 7.250 20010401 20160301 180 397,600 3,629.55 20010501 178 395,137.82 6298811263 Standard 47.800 7.250 20010501 20160401 180 812,000 7,412.45 20010501 179 808,428.43 6306017143 Standard 69.600 7.375 20010401 20160301 180 400,000 3,679.70 20010501 178 397,549.76 6306279941 Reduced 70.000 7.250 20010501 20160401 180 539,000 4,920.34 20010601 179 536,256.46 6309601398 Standard 78.400 7.250 20010601 20160501 180 362,000 3,304.57 20010601 180 362,000.00 6309778790 Reduced 32.500 7.125 20010401 20160301 180 325,000 2,943.96 20010501 178 320,634.86 6321987130 Standard 79.900 7.250 20010301 20160201 180 528,800 4,827.22 20010501 177 523,873.19 6329305566 Reduced 56.400 7.625 20010401 20160301 180 381,000 3,559.04 20010601 178 378,716.57 6330980811 Standard 75.000 7.125 20010401 20160301 180 390,000 3,532.75 20010501 178 387,558.53 6332699658 Reduced 54.500 7.875 20010301 20160201 180 316,000 2,997.11 20010501 177 313,211.70 6333135165 Reduced 57.000 7.000 20010601 20160501 180 339,500 3,051.53 20010601 180 339,500.00 6341723713 Reduced 87.000 7.250 20010401 20160301 180 311,285 2,841.61 20010501 178 309,357.33 6344447161 Reduced 43.200 7.125 20010501 20160401 180 735,000 6,657.86 20010501 179 732,706.20 6348696425 Standard 70.000 7.000 20010501 20160401 180 955,500 8,588.31 20010501 179 952,485.44 6348924942 Timesaver-1 64.900 7.125 20010501 20160401 180 545,000 4,936.79 20010501 179 543,299.15 6355615540 Reduced 53.100 7.000 20010501 20160401 180 400,000 3,595.32 20010501 179 398,738.01 6358721915 Reduced 69.700 7.125 20010401 20160301 180 366,000 3,315.35 20010501 178 363,708.77 6359648349 Reduced 80.000 7.250 20010401 20160301 180 504,000 4,600.83 20010501 178 500,878.94 6363856250 Reduced 55.000 7.125 20010501 20160401 180 415,000 3,759.20 20010501 179 413,704.86 6366792189 All Ready Home 25.000 7.500 20010501 20160401 180 575,000 5,330.33 20010501 179 572,916.46 6367641971 Reduced 58.900 6.875 20010501 20160401 180 495,000 4,414.68 20010501 179 491,404.69 6369860363 All Ready Home 43.400 7.000 20010501 20160401 180 560,000 5,033.44 20010501 179 558,233.23 6384741846 Standard 45.600 6.875 20010501 20160401 180 410,000 3,656.61 20010501 179 408,692.35 6385380966 Standard 58.200 7.250 20010301 20160201 180 400,000 3,651.46 20010501 177 396,273.20 6388729599 Standard 22.600 7.125 20010401 20160301 180 519,500 4,705.80 20010501 178 516,247.84 6391766166 Reduced 61.200 7.125 20010401 20160301 180 545,000 4,936.79 20010501 178 541,021.65 6406395381 All Ready Home 64.900 7.250 20010401 20160301 180 970,000 8,854.78 20010501 178 963,180.85 6421788974 Standard 90.000 6.875 20010501 20160401 180 382,500 3,411.35 20010501 179 381,280.06 6425607097 Standard 56.500 6.875 20010501 20160401 180 650,000 5,797.06 20010501 179 647,926.90 6440724901 Reduced 76.800 7.500 20010301 20160201 180 457,000 4,236.45 20010501 177 450,446.04 6449608873 Standard 69.600 7.125 20010501 20160401 180 800,000 7,246.65 20010501 179 797,503.35 6464373767 Standard 80.000 7.000 20010401 20160301 180 528,000 4,745.82 20010601 178 524,658.64 6466464101 Standard 65.500 7.250 20010501 20160401 180 383,000 3,496.27 20010601 179 381,817.69 6467260318 Reduced 75.000 7.375 20010401 20110301 120 360,000 4,249.82 20010501 118 354,074.33 6476870339 Reduced 29.100 7.250 20010501 20160401 180 400,000 3,651.46 20010501 179 398,765.21 6485742099 Standard 79.800 7.750 20010301 20160201 180 348,600 3,281.29 20010501 177 343,781.45 6494654533 Standard 72.600 7.250 20010501 20160401 180 337,500 3,080.92 20010501 179 336,458.14 6509581242 Standard 80.000 7.000 20010401 20160301 180 408,000 3,667.22 20010501 178 405,418.05 6510973768 Standard 72.700 7.125 20010501 20160401 180 400,000 3,623.33 20010501 179 398,751.67 6519100827 Reduced 67.400 7.250 20010501 20160401 180 438,000 3,998.34 20010501 179 436,647.91 6527101478 Standard 60.200 7.750 20010301 20160201 180 382,300 3,598.50 20010601 177 378,889.63 6530183984 Reduced 42.500 7.500 20010401 20160301 180 450,000 4,171.56 20010501 178 446,787.71 6530869947 Reduced 80.000 7.125 20010501 20160401 180 464,000 4,203.06 20010501 179 462,551.94 6533624612 Standard 68.400 7.250 20010501 20160401 180 432,450 3,947.68 20010501 179 431,115.04 6535311861 Standard 80.000 7.250 20010401 20160301 180 370,880 3,385.63 20010501 178 368,583.29 6542311565 Reduced 48.400 7.125 20010501 20160401 180 460,000 4,166.83 20010501 179 458,564.42 6545654029 Standard 68.600 7.000 20010501 20160401 180 580,000 5,213.21 20010501 179 578,170.12 6562830122 Reduced 76.000 7.250 20010501 20160401 180 422,000 3,852.29 20010501 179 420,697.29 6567692568 Reduced 60.400 7.125 20010501 20160401 180 320,000 2,898.66 20010501 179 319,001.34 6579232767 Standard 61.700 7.250 20010601 20160501 180 450,000 4,107.89 20010601 180 450,000.00 6582250293 Standard 20.000 7.250 20010401 20160301 180 400,000 3,651.46 20010501 178 397,522.96 6585723171 Standard 80.000 7.000 20010501 20160401 180 440,000 3,954.85 20010501 179 438,611.82 6586721976 Timesaver-1 20.800 7.125 20010401 20160301 180 454,500 4,117.01 20010501 178 450,784.51 6589094074 Reduced 54.700 7.125 20010501 20160401 180 536,250 4,857.52 20010501 179 534,576.46 6594485010 Timesaver-1 67.500 7.125 20010401 20160301 180 371,000 3,360.64 20010501 178 368,677.47 6597376604 Reduced 57.200 7.000 20010501 20160401 180 330,000 2,966.14 20010601 179 328,958.86 6607504237 Reduced 58.800 7.125 20010501 20160401 180 350,000 3,170.41 20010501 179 348,907.72 6610158120 Reduced 61.700 7.250 20010401 20160301 180 347,000 3,167.64 20010501 178 344,851.17 6622579818 Reduced 80.000 7.750 20010101 20151201 180 583,200 5,489.52 20010501 175 287,805.67 6629399269 Reduced 66.000 7.250 20010401 20160301 180 362,900 3,312.78 20010501 178 360,652.71 6635425280 Reduced 58.300 7.000 20010501 20160401 180 350,000 3,145.90 20010701 179 348,895.78 6637569002 Reduced 41.900 7.625 20010301 20160201 180 650,000 6,071.85 20010501 177 644,137.99 6654328803 Reduced 63.000 7.250 20010501 20160401 180 403,000 3,678.84 20010501 179 401,755.95 6658967754 Standard 76.500 6.875 20010501 20160401 180 325,000 2,898.53 20010501 179 323,963.45 6664022370 All Ready Home 64.900 7.250 20010401 20160301 180 970,000 8,854.78 20010401 178 963,993.18 6664818413 Standard 49.400 7.250 20010501 20160401 180 1,000,000 9,128.63 20010501 179 996,913.04 6665188469 Reduced 57.300 7.000 20010501 20160401 180 430,000 3,864.97 20010601 179 428,308.33 6666089591 Standard 40.800 7.625 20010301 20130201 144 857,500 9,106.63 20010501 141 846,456.33 6667921156 Standard 63.600 7.125 20010501 20160401 180 800,000 7,246.65 20010501 179 797,503.35 6686233500 Reduced 68.900 7.125 20010501 20160401 180 461,500 4,180.42 20010601 179 455,840.16 6686392181 Standard 69.900 7.000 20010601 20160501 180 1,000,000 8,988.29 20010601 180 1,000,000.00 6689234414 Standard 80.000 7.375 20010401 20160301 180 318,000 2,925.36 20010501 178 316,052.06 6691010638 Standard 80.000 7.000 20010501 20160401 180 446,292 4,011.40 20010501 179 444,883.97 6699991953 Reduced 45.700 7.000 20010601 20160501 180 400,000 3,595.32 20010601 180 400,000.00 6703270667 Reduced 74.100 6.875 20010601 20160501 180 580,000 5,172.76 20010601 180 580,000.00 6723185945 Reduced 49.600 7.750 20010201 20160101 180 350,000 3,294.47 20010501 176 345,823.55 6723201700 Standard 69.600 7.500 20010401 20160301 180 696,000 6,452.01 20010501 178 691,782.84 6723481047 Reduced 80.000 7.250 20010501 20160401 180 380,000 3,468.88 20010501 179 378,826.95 6724738981 Reduced 53.400 6.875 20010601 20160501 180 550,000 4,905.20 20010601 180 550,000.00 6727244714 Reduced 53.400 6.750 20010601 20160501 180 400,000 3,539.64 20010601 180 400,000.00 6729863669 Standard 75.000 7.375 20010501 20160401 180 300,000 2,759.77 20010501 179 299,083.98 6738979332 Reduced 74.700 7.125 20010501 20160401 180 417,600 3,782.76 20010601 179 416,296.74 6740345399 Standard 61.700 7.000 20010601 20160501 180 327,000 2,939.17 20010601 180 327,000.00 6743152263 Standard 52.800 8.250 20010301 20160201 180 462,000 4,482.05 20010601 177 346,814.79 6746075800 Reduced 59.900 7.500 20010401 20160301 180 500,000 4,635.07 20010601 178 496,970.42 6749061922 Standard 74.700 7.375 20010501 20160401 180 397,500 3,656.70 20010501 179 396,286.27 6754057625 Timesaver-2 49.200 7.250 20010401 20160301 180 320,000 2,921.17 20010501 178 318,018.36 6768734847 Standard 42.700 7.500 20010401 20160301 180 640,000 5,932.88 20010501 178 636,122.16 6772352867 Reduced 70.100 6.750 20010501 20160401 180 350,000 3,097.19 20010501 179 348,871.56 6777597631 Standard 45.200 7.250 20010501 20160401 180 339,000 3,094.61 20010501 179 337,953.52 6779773552 Reduced 79.800 6.875 20010501 20160401 180 327,000 2,916.37 20010501 179 325,957.07 6786766847 Reduced 53.600 7.125 20010401 20160301 180 375,000 3,396.87 20010501 178 372,258.78 6802383304 Reduced 51.200 7.000 20010501 20160401 180 294,400 2,646.16 20010501 179 293,471.17 6804004429 Reduced 80.000 6.875 20010501 20160401 180 424,000 3,781.47 20010501 179 422,647.70 6807845539 Standard 70.000 7.125 20010501 20160401 180 779,100 7,057.34 20010501 179 776,668.57 6808288911 All Ready Home 75.500 6.875 20010501 20160401 180 449,000 4,004.43 20010501 179 447,567.97 6809696237 Standard 33.500 7.000 20010501 20160401 180 372,000 3,343.65 20010501 179 370,826.35 6813513246 Standard 72.300 7.125 20010401 20160301 180 400,000 3,623.33 20010501 178 397,174.03 6814359045 Reduced 75.000 7.750 20001001 20150901 180 937,500 8,824.47 20010501 172 914,359.30 6815277949 Standard 69.200 7.125 20010501 20160401 180 498,000 4,511.04 20010601 179 496,445.84 6818101856 Reduced 20.100 7.500 20010401 20160301 180 392,000 3,633.89 20010501 178 389,624.82 6829222923 Reduced 46.400 7.125 20010501 20160401 180 650,000 5,887.91 20010501 179 647,971.47 6831855512 Standard 59.400 7.875 20010301 20160201 180 891,000 8,450.69 20010501 177 883,138.12 6837272092 Standard 60.300 7.750 20010301 20160201 180 380,000 3,576.85 20010601 177 376,610.16 6838171491 Standard 60.200 7.750 20010301 20160201 180 382,300 3,598.50 20010601 177 378,889.63 6843856672 Standard 68.800 7.000 20010601 20160501 180 330,000 2,966.14 20010601 180 330,000.00 6847051734 Reduced 31.400 7.125 20010401 20160301 180 393,000 3,559.92 20010501 178 390,539.76 6855156334 Standard 63.100 7.375 20010501 20160401 180 909,000 8,362.11 20010501 179 899,752.45 6858284117 All Ready Home 57.000 7.250 20010401 20160301 180 570,000 5,203.32 20010501 178 566,470.23 6858807941 Reduced 69.200 6.875 20010501 20160401 180 536,304 4,783.06 20010501 179 534,593.52 6859115039 Standard 67.500 7.000 20010501 20160401 180 330,000 2,966.14 20010501 179 328,958.86 6864657975 Reduced 80.000 7.250 20010401 20160301 180 428,000 3,907.06 20010601 178 425,349.56 6865325366 Reduced 50.700 7.125 20010501 20160401 180 370,000 3,351.58 20010601 179 368,845.30 6873251174 Standard 31.300 7.250 20010401 20160301 180 517,000 4,719.51 20010501 178 513,798.42 6884813152 Reduced 76.300 7.250 20010501 20160401 180 618,000 5,641.50 20010501 179 616,092.25 6895310719 Reduced 38.100 7.375 20010501 20160401 180 400,000 3,679.70 20010501 179 398,778.63 6900510394 Reduced 32.500 6.750 20010501 20160401 180 650,000 5,751.92 20010501 179 647,904.33 6910042982 All Ready Home 71.900 7.250 20010401 20160301 180 406,500 3,710.79 20010501 178 403,982.72 6911872320 Standard 60.000 7.500 20010301 20160201 180 600,000 5,562.08 20010501 177 593,370.06 6921178650 Reduced 80.000 7.250 20010301 20160201 180 399,900 3,650.54 20010501 177 396,174.14 6923666561 Reduced 54.700 7.250 20010501 20160401 180 375,000 3,423.24 20010501 179 373,842.39 6927097482 Reduced 75.000 7.250 20010501 20160401 180 330,000 3,012.45 20010501 179 328,981.30 6948790099 Reduced 70.000 7.000 20010601 20160501 180 434,000 3,900.92 20010601 180 434,000.00 6956342239 Reduced 70.000 7.625 20010301 20160201 180 526,225 4,915.63 20010501 177 521,479.24 6956472226 Standard 52.900 7.000 20010501 20160401 180 345,000 3,100.96 20010501 179 338,658.38 6967478840 Standard 75.000 7.500 20010401 20160301 180 375,000 3,476.30 20010501 178 372,727.82 6972321985 Standard 66.400 7.875 20010301 20160201 180 395,000 3,746.38 20010501 177 391,514.65 6982047786 Reduced 69.900 7.000 20010501 20160401 180 535,000 4,808.74 20010501 179 533,312.09 6994358445 Reduced 64.600 7.125 20010401 20160301 180 355,555 3,220.73 20010501 178 353,329.17 6999002022 Reduced 75.000 7.125 20010501 20160401 180 390,000 3,532.75 20010501 179 388,782.88
Bank of America Securities (continued) BOAMS 2001-6 15 YR Loan Count: 278 Scheduled PB: 125,417,551.68 Interest Rate W/A: 7.29% Terms to Maturity W/A: 177
Loan Appraisal Sales Number FICO Value Price 0028763472 705 600,000 591,000 0028970572 000 460,000 -- 0029001443 745 354,000 344,900 0029019643 713 365,000 362,500 0029039765 641 1,300,000 -- 0029046166 764 760,000 -- 0029047149 784 610,000 607,312 0029138872 798 770,000 750,000 0029150471 694 385,000 383,695 0029189230 675 480,000 -- 0029193737 775 1,050,000 1,033,741 0029195898 780 740,000 728,000 0029199932 779 1,550,000 -- 0029207958 733 570,000 564,868 0029222585 698 800,000 -- 0029290178 735 700,000 700,000 0029292059 778 502,000 500,000 0029306594 728 575,000 -- 0029328374 770 500,000 -- 0029328457 714 600,000 -- 0029330115 776 555,000 495,000 0029330586 716 500,000 -- 0029341443 754 756,000 753,079 0029341526 770 627,000 -- 0029361078 782 548,000 546,000 0029367109 709 410,000 -- 0029368024 661 775,000 -- 0029368081 759 625,000 -- 0029368115 806 580,000 520,000 0029368305 715 1,475,000 1,475,000 0029375912 664 630,000 629,000 0029387826 761 665,000 -- 0029393451 758 372,000 368,000 0029396447 731 486,000 -- 0029399854 791 600,000 -- 0029404456 777 420,000 399,500 0029405073 736 809,000 -- 0029408192 710 525,000 524,810 0029422235 742 469,000 -- 0029423076 615 775,000 -- 0029424991 774 703,500 703,125 0029431640 758 1,200,000 -- 0029433604 760 605,000 605,000 0029438785 741 425,000 425,000 0029442860 789 575,000 575,000 0029457579 701 420,000 -- 0029458403 795 590,000 580,000 0029459872 701 470,000 465,000 0029461043 769 396,000 390,000 0029463973 779 425,000 -- 0029464435 667 900,000 875,000 0029468428 741 420,000 -- 0029470952 639 410,000 -- 0029471281 763 478,500 478,841 0029472354 775 1,450,000 -- 0029473253 753 1,100,000 1,100,000 0029476785 763 415,000 -- 0029482940 689 655,000 -- 0029482957 778 675,000 675,000 0029486149 729 410,000 -- 0029501848 747 1,400,000 -- 0029510922 799 452,000 -- 0029532181 718 1,100,000 -- 0029534757 766 650,000 -- 0029541877 656 319,000 321,373 0029548757 764 434,000 430,000 0029551959 752 870,000 870,000 0029555638 781 875,000 845,000 0029555844 688 800,000 -- 0029562055 646 500,000 -- 0029564143 727 875,000 -- 0029569704 776 450,000 -- 0029571403 730 600,000 -- 0029571411 776 365,000 364,000 0029571460 775 520,000 517,375 0029571510 764 600,000 -- 0029571528 731 432,000 432,000 0029571536 753 835,000 835,000 0029571726 784 405,000 405,000 0029571775 779 653,000 -- 0029571783 794 493,000 492,750 0029571791 755 525,000 -- 0029571817 686 422,000 421,500 0029572120 652 780,000 639,724 0029577624 745 525,000 -- 0029577657 698 750,000 -- 0029577665 736 955,000 935,000 0029580784 743 565,000 -- 0029582111 782 492,500 -- 0029582442 791 425,000 425,000 0029582632 662 625,000 625,000 0029582715 744 580,000 -- 0029582889 664 435,000 435,000 0029582947 658 1,500,000 -- 0029603545 759 440,000 -- 0029638715 702 745,000 708,113 0099018798 698 450,000 -- 0099019416 757 850,000 -- 0099024564 671 710,000 -- 0099024820 748 500,000 -- 6001016499 764 725,000 -- 6001843041 691 960,000 -- 6001971214 632 580,000 -- 6005344988 792 1,600,000 -- 6020092257 697 1,450,000 -- 6025516276 789 850,000 840,000 6035467213 745 634,000 632,500 6036603410 674 1,750,000 -- 6036658588 720 760,000 757,563 6072019232 751 560,000 -- 6072643213 671 800,000 800,000 6076139846 725 4,000,000 -- 6076224770 664 465,000 465,000 6082649846 791 2,600,000 -- 6089568940 720 590,000 -- 6090426294 722 835,000 -- 6094046908 715 1,135,000 -- 6100033320 721 510,000 -- 6101088356 699 578,070 -- 6121188038 793 1,200,000 -- 6134443651 642 735,000 -- 6139627076 730 535,000 -- 6140655942 688 2,000,000 -- 6143460712 697 1,600,000 -- 6149140730 779 385,000 384,500 6151883383 693 1,000,000 -- 6153925703 753 890,000 -- 6160994858 782 558,000 557,500 6163480004 779 514,000 500,000 6165726297 703 465,000 -- 6168654942 754 868,000 -- 6169469092 737 630,000 625,000 6196907700 759 1,200,000 -- 6200658174 778 600,000 -- 6204042318 692 640,000 -- 6204073669 775 435,000 -- 6210879034 726 1,700,000 -- 6215518082 690 485,000 -- 6217110292 742 1,100,000 -- 6226717004 716 675,000 670,000 6235869127 759 710,000 -- 6241337630 700 570,000 570,000 6254217174 720 860,000 -- 6263556869 740 425,000 -- 6273578317 792 775,000 680,000 6281039930 755 472,000 470,250 6285483555 723 652,000 -- 6293301823 753 745,000 740,000 6296689497 722 500,000 497,000 6298811263 782 1,700,000 -- 6306017143 688 575,000 -- 6306279941 785 770,000 -- 6309601398 760 462,000 462,000 6309778790 804 1,000,000 -- 6321987130 786 748,000 662,000 6329305566 702 675,000 -- 6330980811 665 520,000 -- 6332699658 738 580,000 -- 6333135165 725 596,000 -- 6341723713 710 380,000 357,799 6344447161 739 1,700,000 -- 6348696425 678 1,365,000 1,365,000 6348924942 759 840,000 -- 6355615540 770 753,000 753,000 6358721915 728 525,000 -- 6359648349 726 630,000 -- 6363856250 755 755,000 -- 6366792189 707 2,300,000 -- 6367641971 779 840,000 -- 6369860363 746 1,290,000 -- 6384741846 641 900,000 -- 6385380966 697 687,000 -- 6388729599 695 2,300,000 -- 6391766166 750 890,000 -- 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EXHIBIT E REQUEST FOR RELEASE OF DOCUMENTS [date] To: The Bank of New York 101 Barclay Street - 12 E New York, New York 10286 Attn: Inventory Control Re: The Pooling and Servicing Agreement dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee In connection with the administration of the Mortgage Loans held by you, as Custodian, pursuant to the above-captioned Pooling and Servicing Agreement, we request the release, and hereby acknowledge receipt, of the Mortgage File for the Mortgage Loan described below, for the reason indicated. Mortgage Loan Number: -------------------- Mortgagor Name, Address & Zip Code: ---------------------------------- Reason for Requesting Documents (check one) ------------------------------- ____ 1. Mortgage Paid in Full ____ 2. Foreclosure ____ 3. Substitution ____ 4. Other Liquidation ____ 5. Nonliquidation Reason: ___________________ By:_______________________________________ (authorized signer of Bank of America Mortgage Securities, Inc.) Issuer:___________________________________ Address:__________________________________ __________________________________________ Date:_____________________________________ Custodian --------- The Bank of New York Please acknowledge the execution of the above request by your signature and date below: ---------------------------------- --------------- Signature Date Documents returned to Custodian: ----------------------------------- ---------------- Custodian Date EXHIBIT F FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT [Date] [_______________] hereby certifies that it has established a [__________] Account pursuant to Section [________] of the Pooling and Servicing Agreement, dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. [_______________], By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT G-1 FORM OF TRANSFEROR CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street - 12 E New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-6, Class ___, having an initial aggregate Certificate Balance as of May 24, 2001 of $___________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [______________] (the "Transferor") to [______________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. The Transferor is the lawful owner of the Transferred Certificates with the full right to transfer such Certificates free from any and all claims and encumbrances whatsoever. 2. Neither the Transferor nor anyone acting on its behalf has (a) offered, transferred, pledged, sold or otherwise disposed of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security to any person in any manner, (b) solicited any offer to buy or accept a transfer, pledge or other disposition of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security from any person in any manner, (c) otherwise approached or negotiated with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security with any person in any manner, (d) made any general solicitation with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security by means of general advertising or in any other manner, or (e) taken any other action with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security, which (in the case of any of the acts described in clauses (a) through (e) hereof) would constitute a distribution of the Transferred Certificates under the Securities Act of 1933, as amended (the "1933 Act"), would render the disposition of the Transferred Certificates a violation of Section 5 of the 1933 Act or any state securities laws, or would require registration or qualification of the Transferred Certificates pursuant to the 1933 Act or any state securities laws. Very truly yours, ------------------------------ (Transferor) By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT G-2A FORM I OF TRANSFEREE CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street - 12 E New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-6, Class ___, having an initial aggregate Certificate Balance as of May 24, 2001 of $_________] Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________] (the "Transferor") to [_________________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. The Transferee is a "qualified institutional buyer" (a "Qualified Institutional Buyer") as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended (the "1933 Act"), and has completed one of the forms of certification to that effect attached hereto as Annex 1 and Annex 2. The Transferee is aware that the sale to it is being made in reliance on Rule 144A. The Transferee is acquiring the Transferred Certificates for its own account or for the account of another Qualified Institutional Buyer, and understands that such Transferred Certificates may be resold, pledged or transferred only (a) to a person reasonably believed to be a Qualified Institutional Buyer that purchases for its own account or for the account of another Qualified Institutional Buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (b) pursuant to another exemption from registration under the 1933 Act. 2. The Transferee has been furnished with all information regarding (a) the Depositor, (b) the Transferred Certificates and distributions thereon, (c) the nature, performance and servicing of the Mortgage Loans, (d) the Pooling and Servicing Agreement and the Trust created pursuant thereto, (e) any credit enhancement mechanism associated with the Transferred Certificate, and (f) all related matters, that it has requested. 3. If the Transferee proposes that the Transferred Certificates be registered in the name of a nominee, such nominee has completed the Nominee Acknowledgment below. Very truly yours, ------------------------------ (Transferor) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Nominee Acknowledgment ---------------------- The undersigned hereby acknowledges and agrees that as to the Transferred Certificates being registered in its name, the sole beneficial owner thereof is and shall be the Transferee identified above, for whom the undersigned is acting as nominee. ------------------------------ (Nominee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ ANNEX 1 TO EXHIBIT G-2A QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Transferees Other Than Registered Investment Companies] The undersigned hereby certifies as follows to [__________________] (the "Transferor") and The Bank of New York, as Trustee, with respect to the mortgage pass-through certificates (the "Transferred Certificates") described in the Transferee certificate to which this certification relates and to which this certification is an Annex: 1. As indicated below, the undersigned is the chief financial officer, a person fulfilling an equivalent function, or other executive officer of the entity purchasing the Transferred Certificates (the "Transferee"). 2. The Transferee is a "qualified institutional buyer" as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended, because (i) the Transferee owned and/or invested on a discretionary basis $______________________(1) in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Transferee satisfies the criteria in the category marked below. ___ Corporation, etc. The Transferee is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or any organization described in Section 501(c)(3) of the Internal Revenue Code of 1986. ___ Bank. The Transferee (a) is a national bank or a banking institution organized under the laws of any state, U.S. territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the state or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto, as of a date not more than 16 months preceding the date of sale of the Transferred Certificates in the case of a U.S. bank, and not more than 18 months preceding such date of sale in the case of a foreign bank or equivalent institution. ___ Savings and Loan. The Transferee (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a state or federal authority having supervision over any such institutions, or is a foreign savings and loan association or equivalent institute and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto, as of a date not more than 16 months preceding the date of sale of the Transferred Certificates in the case of a U.S. savings and loan association, and not more than 18 months preceding such date of sale in the case of a foreign savings and loan association or equivalent institution. --------------- (1) Transferee must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Transferee is a dealer, and, in that case, Transferee must own and/or invest on a discretionary basis at least $10,000,000 in securities. ___ Broker-dealer. The Transferee is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934, as amended. ___ Insurance Company. The Transferee is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a state, U.S. territory or the District of Columbia. ___ State or Local Plan. The Transferee is a plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of the state or its political subdivisions, for the benefit of its employees. ___ ERISA Plan. The Transferee is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. ___ Investment Advisor. The Transferee is an investment advisor registered under the Investment Advisers Act of 1940. ___ Other. (Please supply a brief description of the entity and a cross-reference to the paragraph and subparagraph under subsection (a)(1) of Rule 144A pursuant to which it qualifies. Note that registered investment companies should complete Annex 2 rather than this Annex 1.) 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Transferee, (ii) securities that are part of an unsold allotment to or subscription by the Transferee, if the Transferee is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, the Transferee did not include any of the securities referred to in this paragraph. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, the Transferee used the cost of such securities to the Transferee, unless the Transferee reports its securities holdings in its financial statements on the basis of their market value, and no current information with respect to the cost of those securities has been published, in which case the securities were valued at market. Further, in determining such aggregate amount, the Transferee may have included securities owned by subsidiaries of the Transferee, but only if such subsidiaries are consolidated with the Transferee in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Transferee's direction. However, such securities were not included if the Transferee is a majority-owned, consolidated subsidiary of another enterprise and the Transferee is not itself a reporting company under the Securities Exchange Act of 1934, as amended. 5. The Transferee is familiar with Rule 144A and understands that the Transferor and other parties related to the Transferred Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Transferee may be in reliance on Rule 144A. ____ ____ Will the Transferee be purchasing the Yes No Transferred Certificates only for the Transferee's own account? 6. If the answer to the foregoing question is "no," then in each case where the Transferee is purchasing for an account other than its own, such account belongs to a third party that is itself a "qualified institutional buyer" within the meaning of Rule 144A, and the "qualified institutional buyer" status of such third party has been established by the Transferee through one or more of the appropriate methods contemplated by Rule 144A. 7. The Transferee will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Transferee's purchase of the Transferred Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Transferee is a bank or savings and loan as provided above, the Transferee agrees that it will furnish to such parties any updated annual financial statements that become available on or before the date of such purchase, promptly after they become available. ------------------------------ Print Name of Transferor By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ ANNEX 2 TO EXHIBIT G-2A QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Transferees That Are Registered Investment Companies] The undersigned hereby certifies as follows to [_________________] (the "Transferor") and The Bank of New York, as Trustee, with respect to the mortgage pass-through certificates (the "Transferred Certificates") described in the Transferee certificate to which this certification relates and to which this certification is an Annex: 1. As indicated below, the undersigned is the chief financial officer, a person fulfilling an equivalent function, or other executive officer of the entity purchasing the Transferred Certificates (the "Transferee") or, if the Transferee is a "qualified institutional buyer" as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended, because the Transferee is part of a Family of Investment Companies (as defined below), is an executive officer of the investment adviser (the "Adviser"). 2. The Transferee is a "qualified institutional buyer" as defined in Rule 144A because (i) the Transferee is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Transferee alone owned and/or invested on a discretionary basis, or the Transferee's Family of Investment Companies owned, at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year. For purposes of determining the amount of securities owned by the Transferee or the Transferee's Family of Investment Companies, the cost of such securities was used, unless the Transferee or any member of the Transferee's Family of Investment Companies, as the case may be, reports its securities holdings in its financial statements on the basis of their market value, and no current information with respect to the cost of those securities has been published, in which case the securities of such entity were valued at market. ____ The Transferee owned and/or invested on a discretionary basis $____________________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A). ____ The Transferee is part of a Family of Investment Companies which owned in the aggregate $__________________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 3. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 4. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Transferee or are part of the Transferee's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, or owned by the Transferee's Family of Investment Companies, the securities referred to in this paragraph were excluded. 5. The Transferee is familiar with Rule 144A and understands that the Transferor and other parties related to the Transferred Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Transferee will be in reliance on Rule 144A. ____ ____ Will the Transferee be purchasing the Yes No Transferred Certificates only for the Transferee's own account? 6. If the answer to the foregoing question is "no," then in each case where the Transferee is purchasing for an account other than its own, such account belongs to a third party that is itself a "qualified institutional buyer" within the meaning of Rule 144A, and the "qualified institutional buyer" status of such third party has been established by the Transferee through one or more of the appropriate methods contemplated by Rule 144A. 7. The undersigned will notify the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Transferee's purchase of the Transferred Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. ----------------------------------- Print Name of Transferee or Adviser By:_______________________________________ Name:_____________________________________ Title:____________________________________ IF AN ADVISER: ----------------------------------- Print Name of Transferee By:_______________________________________ Date:_____________________________________ EXHIBIT G-2B FORM II OF TRANSFEREE CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street-12 E New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-6, Class ___, having an initial aggregate Certificate Principal Balance as of May 24, 2001 of $_________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________________] (the "Transferor") to [______________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. Transferee is acquiring the Transferred Certificates for its own account for investment and not with a view to or for sale or transfer in connection with any distribution thereof, in whole or in part, in any manner which would violate the Securities Act of 1933, as amended (the "1933 Act"), or any applicable state securities laws. 2. Transferee understands that (a) the Transferred Certificates have not been and will not be registered under the 1933 Act or registered or qualified under any applicable state securities laws, (b) neither the Depositor nor the Trustee is obligated so to register or qualify the Transferred Certificates and (c) neither the Transferred Certificates nor any security issued in exchange therefor or in lieu thereof may be resold or transferred unless such resale or transfer is exempt from the registration requirements of the 1933 Act and any applicable state securities laws or is made in accordance with the 1933 Act and laws, in which case (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. 3. The Transferee understands that it may not sell or otherwise transfer the Transferred Certificates, any security issued in exchange therefor or in lieu thereof or any interest in the foregoing except in compliance with the provisions of Section 6.02 of the Pooling and Servicing Agreement, which provisions it has carefully reviewed, and that the Transferred Certificates will bear legends substantially to the following effect: THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO BENEFIT PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH BENEFIT PLAN AND ALL OTHER BENEFIT PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. 4. Neither the Transferee nor anyone acting on its behalf has (a) offered, transferred, pledged, sold or otherwise disposed of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security to any person in any manner, (b) solicited any offer to buy or accept a transfer, pledge or other disposition of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security from any person in any manner, (c) otherwise approached or negotiated with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security with any person in any manner, (d) made any general solicitation by means of general advertising or in any other manner, or (e) taken any other action, that (in the case of any of the acts described in clauses (a) through (e) above) would constitute a distribution of the Transferred Certificates under the 1933 Act, would render the disposition of the Transferred Certificates a violation of Section 5 of the 1933 Act or any state securities law or would require registration or qualification of the Transferred Certificates pursuant thereto. The Transferee will not act, nor has it authorized nor will it authorize any person to act, in any manner set forth in the foregoing sentence with respect to the Transferred Certificates, any interest in the Transferred Certificates or any other similar security. 5. The Transferee has been furnished with all information regarding (a) the Depositor, (b) the Transferred Certificates and distributions thereon, (c) nature, performance and servicing of the Mortgage Loans., (d) the Pooling and Servicing Agreement and the Trust created pursuant thereto, (e) any credit enhancement mechanism associated with the Transferred Certificates, and (f) all related matters, that it has requested. 6. The Transferee is an "accredited investor" within the meaning of paragraph (1), (2), (3) or (7) of Rule 501 (a) under the 1933 Act or an entity in which all the equity owners come within such paragraphs and has such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of an investment in the Transferred Certificates; the Transferee has sought such accounting, legal and tax advice as it has considered necessary to make an informed investment decision; and the Transferee is able to bear the economic risks of such an investment and can afford a complete loss of such investment. 7. If the Transferee proposes that the Transferred Certificates be registered in the name of a nominee, such nominee has completed the Nominee Acknowledgment below. Very truly yours, ------------------------------ (Transferee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ Nominee Acknowledgment ---------------------- The undersigned hereby acknowledges and agrees that as to the Transferred Certificates being registered in its name, the sole beneficial owner thereof is and shall be the Transferee identified above, for whom the undersigned is acting as nominee. ------------------------------ (Nominee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT H FORM OF TRANSFEREE REPRESENTATION LETTER FOR BENEFIT PLAN-RESTRICTED CERTIFICATES The Bank of New York 101 Barclay Street - 12 E New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-6, Class ___, having an initial aggregate Certificate Principal Balance as of May 24, 2001 of $_________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________________] (the "Transferor") to [___________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated May 24, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to you, as Trustee, either that: (a) it is not, and is not acting on behalf of, an employee benefit plan or arrangement, including an individual retirement account, subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), the Internal Revenue Code of 1986, as amended (the "Code"), or any federal, state or local law ("Similar Law") which is similar to ERISA or the Code (collectively, a "Plan"), and it is not using the assets of any such Plan to effect the purchase of the Transferred Certificates; or (b) it is an insurance company and the source of funds used to purchase the Transferred Certificates is an "insurance company general account" (as defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 ("PTE 95-60"), 60 Fed. Reg. 35925 (July 12, 1995)), there is no Plan with respect to which the amount of such general account's reserves and liabilities for the contract(s) held by or on behalf of such Plan and all other Plans maintained by the same employer (or affiliate thereof as defined in Section V(a)(1) of PTE 95-60) or by the same employee organization exceeds 10% of the total of all reserves and liabilities of such general account (as such amounts are determined under Section I(a) of PTE 95-60) at the date of acquisition and all Plans that have an interest in such general account are Plans to which PTE 95-60 applies. Capitalized terms used in and not otherwise defined herein shall have the meaning assigned to them in the Pooling and Servicing Agreement. Very truly yours, ------------------------------ (Transferee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ EXHIBIT I FORM OF AFFIDAVIT REGARDING TRANSFER OF RESIDUAL CERTIFICATE PURSUANT TO SECTION 6.02 Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-6 STATE OF ) ) ss: COUNTY OF ) The undersigned, being first duly sworn, deposes and says as follows: 1. The undersigned is an officer of _______________________________, the proposed transferee (the "Transferee") of the Class A-R Certificate (the "Certificate") issued pursuant to the Pooling and Servicing Agreement, dated May 24, 2001, (the "Agreement"), relating to the above-referenced Series, by and among Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"), Bank of America, N.A., as servicer, and The Bank of New York, as trustee. Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement. The Transferee has authorized the undersigned to make this affidavit on behalf of the Transferee. 2. The Transferee is, as of the date hereof, and will be, as of the date of the transfer, a Permitted Transferee. The Transferee is acquiring the Certificate either (i) for its own account or (ii) as nominee, trustee or agent for another Person who is a Permitted Transferee and has attached hereto an affidavit from such Person in substantially the same form as this affidavit. The Transferee has no knowledge that any such affidavit is false. 3. The Transferee has been advised of, and understands that (i) a tax will be imposed on Transfers of the Certificate to Persons that are not Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if such transfer is through an agent (which includes a broker, nominee or middleman) for a Person that is not a Permitted Transferee, on the agent; and (iii) the Person otherwise liable for the tax shall be relieved of liability for the tax if the subsequent Transferee furnished to such Person an affidavit that such subsequent Transferee is a Permitted Transferee and, at the time of transfer, such Person does not have actual knowledge that the affidavit is false. 4. The Transferee has been advised of, and understands that a tax will be imposed on a "pass-through entity" holding the Certificate if at any time during the taxable year of the pass-through entity a Person that is not a Permitted Transferee is the record Holder of an interest in such entity. The Transferee understands that, other than in the case of an "electing large partnership" under Section 775 of the Code, such tax will not be imposed for any period with respect to which the record Holder furnishes to the pass-through entity an affidavit that such record Holder is a Permitted Transferee and the pass-through entity does not have actual knowledge that such affidavit is false. (For this purpose, a "pass-through entity" includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives and, except as may be provided in Treasury Regulations, persons holding interests in pass-through entities as a nominee for another Person.) 5. The Transferee has reviewed the provisions of Section 6.02 of the Agreement and understands the legal consequences of the acquisition of the Certificate including, without limitation, the restrictions on subsequent Transfers and the provisions regarding voiding the transfer and mandatory sales. The Transferee expressly agrees to be bound by and to abide by the provisions of Section 6.02 of the Agreement and the restrictions noted on the face of the Certificate. The Transferee understands and agrees that any breach of any of the representations included herein shall render the transfer to the Transferee contemplated hereby null and void. 6. The Transferee agrees to require a transfer affidavit in the form of this Affidavit from any Person to whom the Transferee attempts to transfer the Certificate, and in connection with any transfer by a Person for whom the Transferee is acting as nominee, trustee or agent, and the Transferee will not transfer the Certificate or cause the Certificate to be transferred to any Person that the Transferee knows is not a Permitted Transferee. 7. The Transferee historically has paid its debts as they have become due. 8. The Transferee does not have the intention to impede the assessment or collection of any tax legally required to be paid with respect to the Certificate. 9. The Transferee's taxpayer identification number is ____________________. 10. The Transferee is a U.S. Person as defined in Code Section 7701(a)(30). 11. The Transferee is aware that the Certificate may be a "noneconomic residual interest" within the meaning of proposed Treasury Regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax. The Transferee understands that it may incur tax liabilities with respect to the Certificate in excess of cash flows generated thereby, and agrees to pay taxes associated with holding the Certificate as such taxes become due. 12. The Transferee is not an employee benefit plan or arrangement, including an individual retirement account, subject to ERISA, the Code or any federal, state or local law which is similar to ERISA or the Code, and the Transferee is not acting on behalf of such a plan or arrangement. * * * IN WITNESS WHEREOF, the Transferee has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its duly authorized officer this _____ day of ________________, ____. ------------------------------ Print Name of Transferee By:_______________________________________ Name: Title: Personally appeared before me the above-named ____________________________, known or proved to me to be the same person who executed the foregoing instrument and to be the _______________________ of the Transferee, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Transferee. Subscribed and sworn before me this _____ day of ___________________, ____. -------------------------------------------- NOTARY PUBLIC My Commission expires the ____ day of ______________, ____. EXHIBIT J CONTENTS OF THE SERVICER MORTGAGE FILE 1. Copies of Mortgage Loans Documents. 2. Residential loan application. 3. Mortgage Loan closing statement. 4. Verification of employment and income, if required. 5. Verification of acceptable evidence of source and amount of downpayment. 6. Credit report on Mortgagor, in a form acceptable to either FNMA or FHLMC. 7. Residential appraisal report. 8. Photograph of the Mortgaged Property. 9. Survey of the Mortgaged Property, unless a survey is not required by the title insurer. 10. Copy of each instrument necessary to complete identification of any exception set forth in the exception schedule in the title policy, i.e., map or plat, restrictions, easements, home owner association declarations, etc. 11. Copies of all required disclosure statements. 12. If applicable, termite report, structural engineer's report, water potability and septic certification. 13. Sales Contract, if applicable. 14. The Primary Insurance Policy or certificate of insurance or an electronic notation of the existence of such policy, where required pursuant to the Agreement. 15. Evidence of electronic notation of the hazard insurance policy, and if required by law, evidence of the flood insurance policy. EXHIBIT K FORM OF SPECIAL SERVICING AGREEMENT This Special Servicing Agreement (the "Agreement") is made and entered into as of ___________________, between Bank of America, N.A. (the "Servicer") and ___________________ (the "Loss Mitigation Advisor "). PRELIMINARY STATEMENT _________________ (the "Purchaser") is the holder of the entire interest in Bank of America Mortgage Securities, Inc.; Mortgage Pass-Through Certificates, Series ______, Class ____ (the "Class B Certificates"). The Class B Certificates were issued pursuant to a Pooling and Servicing Agreement dated ___________________among Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"), the Servicer, and The Bank of New York, as Trustee. The Purchaser has requested the Servicer to engage the Loss Mitigation Advisor, at the Purchaser's expense, to assist the Servicer with respect to default management and reporting situations for the benefit of the Purchaser. In consideration of the mutual agreements herein contained, the receipt and sufficiency of which are hereby acknowledged, the Servicer hereby engages the Loss Mitigation Advisor to provide advice in connection with default management and reporting situations with respect to defaulted loans, including providing to the Servicer recommendations with respect to foreclosures, the acceptance of so-called short payoffs, deeds in lieu of or in aid of foreclosure and deficiency notes, as well as with respect to the sale of REO properties. The Loss Mitigation Advisor hereby accepts such engagement, and acknowledges that its fees will be paid by the Purchaser and not the Servicer, and that it will not look to the Servicer for financial remuneration. It is the intent of the parties to this Agreement that the services of the Loss Mitigation Advisor are provided without fee to the Servicer for the benefit of the Purchaser for the life of the Class B Certificates. ARTICLE I DEFINITIONS Section 1.01. Defined Terms. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings: Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of New York are required or authorized by law or executive order to be closed. Commencement of Foreclosure: The first official action required under local law in order to commence foreclosure proceedings or to schedule a trustee's sale under a deed of trust, including (i) in the case of a mortgage, any filing or service of process necessary to commence an action to foreclose, or (ii) in the case of a deed of trust, the posting, publishing, filing or delivery of a notice of sale. Delay of Foreclosure: The postponement for more than three Business Days of the scheduled sale of Mortgaged Property to obtain satisfaction of a Mortgage Loan. Loss Mitigation Advisor: ______________. Purchaser: _______________________, or the holder of record of the Class B Certificates. Short Payoff: Liquidation of a Mortgage Loan at less than the full amount of the outstanding balance of the Mortgage Loan plus advances and costs through a negotiated settlement with the borrower, which may include a deed-in-lieu of foreclosure or sale of the property or of the promissory note secured by the collateral property to a third party, in either case with or without a contribution toward any resulting deficiency by the borrower. Section 1.02. Definitions Incorporated by Reference. All capitalized terms not otherwise defined in this Agreement shall have the meanings assigned in the Pooling and Servicing Agreements. ARTICLE II SPECIAL SERVICING PROCEDURES Section 2.01. Reports and Notices. (a) In connection with the performance of its duties under the Pooling and Servicing Agreement relating to the realization upon defaulted Mortgage Loans, the Servicer shall use reasonable efforts to provide to the Loss Mitigation Advisor with the following notices and reports. All such notices and reports may be sent to the Loss Mitigation Advisor by telecopier, electronic mail, express mail or regular mail. (i) The Servicer shall within five Business Days after each Distribution Date either: (A) provide to the Loss Mitigation Advisor a written or electronic report, using the same methodology and calculations as in its standard servicing reports, indicating for the trust fund formed by the Pooling and Servicing Agreement, the number of Mortgage Loans that are (1) sixty days delinquent, (2) ninety days or more delinquent, (3) in foreclosure or (4) real estate owned (REO), and indicating for each such Mortgage Loan the loan number, whether the loan is in bankruptcy or paying under the terms of a repayment plan, the reason for default, and outstanding principal balance; or (B) provide the information detailed in (A) to a data service provider of the Loss Mitigation Advisor's choice in an electronic format acceptable to that data service provider. Provision of the information to a service provider other than that specified by the Loss Mitigation Advisor is acceptable. (ii) Prior to a Delay of Foreclosure in connection with any Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor with a notice of such proposed and imminent delay, stating the loan number, the aggregate amount owing under the Mortgage Loan, and the reason and justification for delaying foreclosure action. All notices and supporting documentation pursuant to this subsection may be provided via telecopier, express mail or electronic mail. (iii) Prior to accepting any Short Payoff in connection with any Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor with a notice of such proposed and imminent Short Payoff, stating the loan number, the aggregate amount owing under the Mortgage Loan, and the justification for accepting the proposed Short Payoff. Such notice may be sent by telecopier, express mail, electronic mail or regular mail. (iv) Within five (5) business days of each Distribution Date, the Servicer shall provide the Loss Mitigation Advisor with a report listing each loan that has resulted in a realized loss that has been reported to the trustee. Such report shall specify the loan number, the outstanding principal balance of the loan upon its liquidation, the realized loss, and the following components of realized loss: foreclosure costs, advances, mortgage insurance proceeds, marketing and property rehabilitation costs, and other costs. Such report may be provided by telecopier, express mail, regular mail or electronic mail. The Loss Mitigation Advisor shall have at least ten (10) business days in which to respond with reasonable questions or requests for additional information regarding the amounts reported as realized losses, and the Servicer shall within five (5) business days of receipt of the Loss Mitigation Advisor's questions or additional information requests provide responses to such questions and requests. (v) Within five (5) business days of receipt by the Servicer of an offer to acquire an REO property at an amount that is more than 15% below the most recent market valuation of that property obtained by the Servicer (or if no such valuation has been obtained, the appraisal used in connection with the originating of the related Mortgage Loan), the Servicer shall notify the Loss Mitigation Advisor of such offer and shall provide a justification for accepting such offer, if that is the Servicer's recommendation. (vi) Within five (5) business days of receipt by the Servicer that a claim filed for mortgage insurance, or any part thereof, has been rejected by the mortgage insurance provider, the Servicer shall provide a copy of the rejected claim with explanations for the item or items rejected to the Loss Mitigation Advisor. (vii) Within five (5) business days of providing the trustee with any notice regarding a mortgage loan substitution, loan modification, or loan repurchase, the Servicer shall provide the Loss Mitigation Advisor with a copy of the notice. (b) If requested by the Loss Mitigation Advisor, the Servicer shall make its servicing personnel available during its normal business hours to respond to reasonable inquiries, in writing by facsimile transmission, express mail or electronic mail, by the Loss Mitigation Advisor in connection with any Mortgage Loan identified in a report under subsection 2.01 (a)(i), (a)(ii), (a)(iii) or (a)(iv) which has been given to the Loss Mitigation Advisor; provided that the Servicer shall only be required to provide information that is readily accessible to their servicing personnel. (c) In addition to the foregoing, the Servicer shall provide to the Loss Mitigation Advisor such information as the Loss Mitigation Advisor may reasonably request concerning each Mortgage Loan that is at least sixty days delinquent and each Mortgage Loan which has become real estate owned, provided that the Servicer shall only be required to provide information that is readily accessible to its servicing personnel. (d) With respect to all Mortgage Loans which are serviced at any time by the Servicer through a subservicer, the Servicer shall be entitled to rely for all purposes hereunder, including for purposes of fulfilling its reporting obligations under this Section 2.01, on the accuracy and completeness of any information provided to it by the applicable subservicer. Section 2.02. Loss Mitigation Advisor's Recommendations With Respect to Defaulted Loans. (a) All parties to this Agreement acknowledge that the Loss Mitigation Advisor's advice is made in the form of recommendations, and that the Loss Mitigation Advisor does not have the right to direct the Servicer in performing its duties under the Pooling and Servicing Agreement. The Servicer may, after review and analysis of the Loss Mitigation Advisor's recommendation, accept or reject it, in the Servicer's sole discretion, subject to the standards of the Servicer to protect the interest of the Certificateholders set forth in the Pooling and Servicing Agreement. (b) Within two (2) business days of receipt of a notice of a foreclosure delay, the Loss Mitigation Advisor shall provide the Servicer with a recommendation regarding the delay, provided, however, that if additional information is required on which to base a recommendation, the Loss Mitigation Advisor shall notify the Servicer of the additional information needed within the allotted time, and the Servicer shall promptly provide such information and the Loss Mitigation Advisor shall then submit to the Servicer its recommendation. The Loss Mitigation Advisor may recommend that additional procedures be undertaken to further analyze the property, the borrower, or issues related to the default or foreclosure. Such additional procedures may include asset searches, property valuations, legal analysis or other procedures that are warranted by the circumstances of the property, borrower or foreclosure. The Loss Mitigation Advisor may recommend such other actions as are warranted by the circumstances of the property, borrower or foreclosure. (c) Within two (2) business days of receipt of a notice of a proposed Short Payoff, the Loss Mitigation Advisor shall provide the Servicer with a recommendation regarding the proposed Short Payoff, provided, however, that if additional information is required on which to base a recommendation, the Loss Mitigation Advisor shall notify the Servicer of the additional information needed within two business days, and the Servicer shall promptly provide such information and the Loss Mitigation Advisor shall then submit to the Servicer its recommendation. The Loss Mitigation Advisor's recommendation may take the form of concurring with the proposed Short Payoff, recommending against such Short Payoff, with a justification provided, or proposing a counteroffer. (d) Within two (2) business days of receipt of a notice of an REO sale at an amount that is more than 15% below the recent market valuation of that property, the Loss Mitigation Advisor shall provide the Servicer with its recommendation. The Loss Mitigation Advisor's recommendation may take the form of concurring with the proposed below-market sale, recommending against such below-market sale, or proposing a counteroffer. Section 2.03. Termination. (a) With respect to all Mortgage Loans included in a trust fund, the Servicer's obligations under Section 2.01 and Section 2.02 shall terminate at such time as the Certificate Principal Balances of the related Class B Certificates have been reduced to zero. (b) The Loss Mitigation Advisor's responsibilities under this Agreement shall terminate upon the termination of the fee agreement between the Purchaser or its successor and the Loss Mitigation Advisor. The Loss Mitigation Advisor shall promptly notify the Servicer of the date of termination of such fee agreement, but in no event later than 5:00 P.M., EST, on the effective date thereof. (c) Neither the Servicer nor any of its directors, officers, employees or agents shall be under any liability for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Servicer or any such Person against any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Servicer and the Loss Mitigation Advisor and any director, officer, employee or agent thereof may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. Neither the Loss Mitigation Advisor, its directors, officers, employees or agents shall be under any liability for any actions taken by the Servicer based upon the recommendation pursuant to this Agreement, provided they are made in good faith. ARTICLE III MISCELLANEOUS PROVISIONS Section 3.01. Amendment. This Agreement may be amended from time to time by the Servicer and the Loss Mitigation Advisor by written agreement signed by the Servicer and the Loss Mitigation Advisor. Section 3.02. Counterparts. This Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. Section 3.03. Governing Law. This 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 such laws. Section 3.04. Notices. All demands, notices and direction hereunder shall be in writing or by telecopier and shall be deemed effective upon receipt to: (a) in the case of the Servicer, Bank of America, N.A. 201 North Tryon Street Charlotte, North Carolina 28255 Attn: Secondary Marketing with a copy to the General Counsel or such other address as may hereafter be furnished in writing by the Servicer, (b) in the case of the Loss Mitigation Advisor, ________________________ (c) in the case of the Purchaser: ________________________ Section 3.05. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever, including regulatory, held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement. Section 3.06. Successors and Assigns. (a) The provisions of this Agreement shall be binding upon and inure to the benefit of the respective successors and assigns of the parties hereto, and all such provisions shall inure to the benefit of the Certificateholders. (b) The Servicer shall notify the Loss Mitigation Advisor of the assignment of its duties to any successor servicer within thirty (30) days prior to such assignment, and shall provide the name, address, telephone number and telecopier number for the successor to the Loss Mitigation Advisor. Section 3.07. Article and Section Headings. The article and section headings herein are for convenience of reference only and shall not limit or otherwise affect the meaning hereof. Section 3.08. Confidentiality. The Servicer acknowledges the confidentiality of this Agreement and will not release or republish its contents without the consent of the Loss Mitigation Advisor except to the extent required by law, regulation or court order. The Loss Mitigation Advisor agrees that all information supplied by or on behalf of the Servicer under this Agreement, is the property of the Servicer. The Loss Mitigation Advisor shall keep in strictest confidence all information relating to this Agreement, including, without limitation, individual account information and other information supplied by or on behalf of the Servicer pursuant to Section 2.01, and that information which may be acquired in connection with or as a result of this Agreement. During the term of this Agreement and at any time thereafter, without the prior written consent of the Servicer, the Loss Mitigation Advisor shall not publish, communicate, divulge, disclose or use any of such information. Upon termination or expiration of this Agreement, the Loss Mitigation Advisor shall deliver all records, data, information, and other documents and all copies thereof supplied by or on behalf of the Servicer pursuant to Section 2.01 to the Servicer and such shall remain the property of the Servicer. Section 3.09. Independent Contractor. In all matters relating to this Agreement, the Loss Mitigation Advisor shall be acting as an independent contractor. Neither the Loss Mitigation Advisor nor any employees of the Loss Mitigation Advisor are employees or agents of the Servicer under the meaning or application of any Federal or State Unemployment or Insurance Laws or Workmen's Compensation Laws, or otherwise. The Loss Mitigation Advisor shall assume all liabilities or obligations imposed by any one or more of such laws with respect to the employees of the Loss Mitigation Advisor in the performance of this Agreement. The Loss Mitigation Advisor shall not have any authority to assume or create any obligation, express or implied, on behalf of the Servicer, and the Loss Mitigation Advisor shall not have the authority to represent itself as an agent, employee, or in any other capacity of the Servicer. IN WITNESS WHEREOF, the Servicer and the Loss Mitigation Advisor have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. Bank of America, N.A. By:_________________________________ Name:_______________________________ Title:______________________________ Loss Mitigation Advisor _______________________ By:_________________________________ Name: Title: PURCHASER'S ACKNOWLEDGEMENT AND AGREEMENT Purchaser executes this agreement for the purpose of acknowledging the limited obligations of the Servicer in respect of the Loss Mitigation Advisor's recommendation, as described in Section 2.02(a) hereof and confirming to the Servicer that (i) it shall be solely responsible for the payment of the fees of the Loss Mitigation Advisor pursuant to the terms of an agreement between Purchaser and Loss Mitigation Advisor dated _____________, 20__ and (ii) Purchaser upon transfer of its interest in any of the Class B Certificates or any part thereof will require its successor to consent to this Special Servicing Agreement and to pay any of the fees due to the Loss Mitigation Advisor pursuant to the agreement referenced in clause (i) above. Purchaser By:__________________________________ Name:________________________________ Title:_______________________________ EXHIBIT L LIST OF RECORDATION STATES Florida Maryland Mississippi South Carolina Tennessee EXHIBIT M PAC GROUP SCHEDULE PAYMENT DATE PAC GROUP ------------ --------- June 25, 2001...................................................$131,234,844.17 July 25, 2001....................................................130,857,364.42 August 25, 2001..................................................130,403,647.67 September 25, 2001...............................................129,873,867.95 October 25, 2001.................................................129,268,286.73 November 25, 2001................................................128,587,253.13 December 25, 2001................................................127,831,203.89 January 25, 2002.................................................127,000,663.22 February 25, 2002................................................126,096,242.49 March 25, 2002...................................................125,118,639.72 April 25, 2002...................................................124,068,638.92 May 25, 2002.....................................................122,947,109.27 June 25, 2002....................................................121,755,004.11 July 25, 2002....................................................120,493,359.78 August 25, 2002..................................................119,163,294.28 September 25, 2002...............................................117,766,005.77 October 25, 2002.................................................116,302,770.94 November 25, 2002................................................114,774,943.13 December 25, 2002................................................113,183,950.44 January 25, 2003.................................................111,531,293.52 February 25, 2003................................................109,818,543.36 March 25, 2003...................................................108,047,338.80 April 25, 2003...................................................106,219,384.05 May 25, 2003.....................................................104,336,445.92 June 25, 2003....................................................102,400,351.05 July 25, 2003....................................................100,412,982.94 August 25, 2003.................................................. 98,376,278.90 September 25, 2003............................................... 96,292,226.87 October 25, 2003................................................. 94,162,862.14 November 25, 2003................................................ 92,060,114.01 December 25, 2003................................................ 89,983,657.95 January 25, 2004................................................. 87,933,173.38 February 25, 2004................................................ 85,908,343.61 March 25, 2004................................................... 83,908,855.79 April 25, 2004................................................... 81,934,400.85 May 25, 2004..................................................... 79,984,673.49 June 25, 2004.................................................... 78,059,372.11 July 25, 2004.....................................................76,158,198.75 August 25, 2004...................................................74,280,859.09 September 25, 2004................................................72,427,062.37 October 25, 2004..................................................70,596,521.36 November 25, 2004.................................................68,788,952.31 December 25, 2004.................................................67,004,074.93 January 25, 2005..................................................65,241,612.32 February 25, 2005.................................................63,501,290.94 March 25, 2005....................................................61,782,840.57 April 25, 2005....................................................60,085,994.29 May 25, 2005......................................................58,410,488.39 June 25, 2005.....................................................56,756,062.39 July 25, 2005.....................................................55,122,458.97 August 25, 2005...................................................53,509,423.91 September 25, 2005................................................51,916,706.10 October 25, 2005..................................................50,344,057.49 November 25, 2005.................................................48,791,233.02 December 25, 2005.................................................47,257,990.61 January 25, 2006..................................................45,744,091.15 February 25, 2006.................................................44,249,298.39 March 25, 2006....................................................42,773,378.99 April 25, 2006....................................................41,316,102.44 May 25, 2006......................................................39,877,241.01 June 25, 2006.....................................................38,481,327.41 July 25, 2006.....................................................37,130,482.06 August 25, 2006...................................................35,823,292.51 September 25, 2006................................................34,558,390.04 October 25, 2006..................................................33,334,448.31 November 25, 2006.................................................32,150,182.10 December 25, 2006.................................................31,004,346.02 January 25, 2007..................................................29,895,733.26 February 25, 2007.................................................28,823,174.44 March 25, 2007....................................................27,785,536.43 April 25, 2007....................................................26,781,721.25 May 25, 2007......................................................25,810,664.97 June 25, 2007.....................................................24,889,047.51 July 25, 2007.....................................................23,997,737.30 August 25, 2007...................................................23,135,773.48 September 25, 2007................................................22,302,225.16 October 25, 2007..................................................21,496,190.45 November 25, 2007.................................................20,716,795.61 December 25, 2007.................................................19,963,194.12 January 25, 2008..................................................19,234,565.91 February 25, 2008.................................................18,530,116.47 March 25, 2008....................................................17,849,076.13 April 25, 2008....................................................17,190,699.23 May 25, 2008......................................................16,554,263.43 June 25, 2008.....................................................15,969,168.05 July 25, 2008.....................................................15,403,638.44 August 25, 2008...................................................14,857,042.00 September 25, 2008................................................14,328,766.20 October 25, 2008..................................................13,818,217.88 November 25, 2008.................................................13,324,822.69 December 25, 2008.................................................12,848,024.49 January 25, 2009..................................................12,387,284.77 February 25, 2009.................................................11,942,082.12 March 25, 2009....................................................11,511,911.66 April 25, 2009....................................................11,096,284.56 May 25, 2009......................................................10,694,727.53 June 25, 2009.....................................................10,330,499.66 July 25, 2009..................................................... 9,978,360.14 August 25, 2009................................................... 9,637,915.66 September 25, 2009................................................ 9,308,785.54 October 25, 2009.................................................. 8,990,601.29 November 25, 2009................................................. 8,683,006.23 December 25, 2009................................................. 8,385,655.12 January 25, 2010.................................................. 8,098,213.81 February 25, 2010................................................. 7,820,358.89 March 25, 2010.................................................... 7,551,777.29 April 25, 2010.................................................... 7,292,166.06 May 25, 2010...................................................... 7,041,231.93 June 25, 2010..................................................... 6,816,010.42 July 25, 2010..................................................... 6,597,904.09 August 25, 2010................................................... 6,386,690.23 September 25, 2010................................................ 6,182,152.99 October 25, 2010.................................................. 5,984,083.28 November 25, 2010................................................. 5,792,278.50 December 25, 2010................................................. 5,606,542.33 January 25, 2011.................................................. 5,426,684.60 February 25, 2011................................................. 5,252,521.02 March 25, 2011.................................................... 5,083,873.05 April 25, 2011.................................................... 4,920,567.71 May 25, 2011...................................................... 4,762,437.40 June 25, 2011..................................................... 4,609,319.75 July 25, 2011..................................................... 4,461,057.43 August 25, 2011................................................... 4,317,498.02 September 25, 2011................................................ 4,178,493.86 October 25, 2011.................................................. 4,043,901.86 November 25, 2011................................................. 3,913,583.43 December 25, 2011................................................. 3,787,404.27 January 25, 2012.................................................. 3,665,234.27 February 25, 2012................................................. 3,546,947.40 March 25, 2012.................................................... 3,432,421.54 April 25, 2012.................................................... 3,321,538.38 May 25, 2012...................................................... 3,214,183.32 June 25, 2012..................................................... 3,110,245.32 July 25, 2012..................................................... 3,009,616.80 August 25, 2012................................................... 2,912,193.56 September 25, 2012................................................ 2,817,874.64 October 25, 2012.................................................. 2,726,562.24 November 25, 2012................................................. 2,638,161.60 December 25, 2012................................................. 2,552,580.96 January 25, 2013.................................................. 2,469,731.37 February 25, 2013................................................. 2,389,526.71 March 25, 2013.................................................... 2,311,883.53 April 25, 2013.................................................... 2,236,720.99 May 25, 2013...................................................... 2,163,960.79 June 25, 2013..................................................... 2,093,527.07 July 25, 2013..................................................... 2,025,346.34 August 25, 2013................................................... 1,959,347.43 September 25, 2013................................................ 1,895,461.37 October 25, 2013.................................................. 1,833,621.38 November 25, 2013................................................. 1,773,762.75 December 25, 2013................................................. 1,715,822.79 January 25, 2014.................................................. 1,659,740.81 February 25, 2014................................................. 1,605,457.99 March 25, 2014.................................................... 1,552,917.36 April 25, 2014.................................................... 1,502,063.75 May 25, 2014...................................................... 1,452,843.71 June 25, 2014..................................................... 1,405,205.46 July 25, 2014..................................................... 1,359,098.86 August 25, 2014................................................... 1,314,475.33 September 25, 2014................................................ 1,271,287.83 October 25, 2014.................................................. 1,229,490.78 November 25, 2014................................................. 1,189,040.05 December 25, 2014................................................. 1,149,892.88 January 25, 2015.................................................. 1,112,007.87 February 25, 2015................................................. 1,075,344.90 March 25, 2015.................................................... 1,039,865.13 April 25, 2015.................................................... 1,005,530.93 May 25, 2015...................................................... 972,305.86 June 25, 2015..................................................... 940,154.64 July 25, 2015..................................................... 909,043.07 August 25, 2015................................................... 878,938.04 September 25, 2015................................................ 849,807.50 October 25, 2015.................................................. 821,620.39 November 25, 2015................................................. 794,346.62 December 25, 2015................................................. 767,957.08 January 25, 2016.................................................. 742,423.55 February 25, 2016................................................. 717,718.72 March 25, 2016.................................................... 693,816.11 April 25, 2016.................................................... 670,690.12 May 25, 2016...................................................... 648,315.92 June 25, 2016..................................................... 626,669.48 July 25, 2016..................................................... 605,727.53 August 25, 2016................................................... 585,467.54 September 25, 2016................................................ 565,867.67 October 25, 2016.................................................. 546,906.78 November 25, 2016................................................. 528,564.43 December 25, 2016................................................. 510,820 77 January 25, 2017.................................................. 493,656 62 February 25, 2017................................................. 477,053 40 March 25, 2017.................................................... 460,993 10 April 25, 2017.................................................... 445,458 30 May 25, 2017...................................................... 430,432 13 June 25, 2017..................................................... 415,898 23 July 25, 2017..................................................... 401,840 80 August 25, 2017................................................... 388,244 50 September 25, 2017................................................ 375,094 51 October 25, 2017.................................................. 362,376 46 November 25, 2017................................................. 350,076 43 December 25, 2017................................................. 338,180 97 January 25, 2018.................................................. 326,677 03 February 25, 2018................................................. 315,551 99 March 25, 2018.................................................... 304,793 62 April 25, 2018.................................................... 294,390 10 May 25, 20187..................................................... 284,329 95 June 25, 2018..................................................... 274,602 09 July 25, 2018..................................................... 265,195 77 August 25, 2018................................................... 256,100 60 September 25, 2018................................................ 247,306 51 October 25, 2018.................................................. 238,803 74 November 25, 2018................................................. 230,582 87 December 25, 2018................................................. 222,634 76 January 25, 2019.................................................. 214,950 56 February 25, 2019................................................. 207,521 71 March 25, 2019.................................................... 200,339 92 April 25, 2019.................................................... 193,397 17 May 25, 2019...................................................... 186,685 69 June 25, 2019..................................................... 180,197 96 July 25, 2019..................................................... 173,926 70 August 25, 2019................................................... 167,864 87 September 25, 2019................................................ 162,005 64 October 25, 2019.................................................. 156,342 41 November 25, 2019................................................. 150,868 79 December 25, 2019................................................. 145,578 60 January 25, 2020.................................................. 140,465 84 February 25, 2020................................................. 135,524 72 March 25, 2020.................................................... 130,749 63 April 25, 2020.................................................... 126,135 13 May 25, 2020...................................................... 121,675 98 June 25, 2020..................................................... 117,367 09 July 25, 2020..................................................... 113,203 53 August 25, 2020 ................................................ 109,180 53 September 25, 2020................................................ 105,293 49 October 25, 2020.................................................. 101,537 94 November 25, 2020................................................. 97,909 56 December 25, 2020................................................. 94,404 17 January 25, 2021.................................................. 91,017 73 February 25, 2021................................................. 87,746 31 March 25, 2021.................................................... 84,586 14 April 25, 2021.................................................... 81,533 53 May 25, 2021...................................................... 78,584 94 June 25, 2021..................................................... 75,736 95 July 25, 2021..................................................... 72,986 22 August 25, 2021................................................... 70,329 54 September 25, 2021................................................ 67,763 80 October 25, 2021.................................................. 65,285 98 November 25, 2021................................................. 62,893 18 December 25, 2021................................................. 60,582 57 January 25, 2022.................................................. 58,351 42 February 25, 2022................................................. 56,197 11 March 25, 2022.................................................... 54,117 07 April 25, 2022.................................................... 52,108 83 May 25, 2022...................................................... 50,170 00 June 25, 2022..................................................... 48,298 27 July 25, 2022..................................................... 46,491 41 August 25, 2022................................................... 44,747 24 September 25, 2022................................................ 43,063 67 October 25, 2022.................................................. 41,438 68 November 25, 2022................................................. 39,870 31 December 25, 2022................................................. 38,356 65 January 25, 2023.................................................. 36,895 88 February 25, 2023................................................. 35,486 23 March 25, 2023.................................................... 34,125 97 April 25, 2023.................................................... 32,813 45 May 25, 2023...................................................... 31,547 05 June 25, 2023..................................................... 30,325 23 July 25, 2023..................................................... 29,146 49 August 25, 2023................................................... 28,009 36 September 25, 2023................................................ 26,912 45 October 25, 2023.................................................. 25,854 39 November 25, 2023................................................. 24,833 88 December 25, 2023................................................. 23,849 63 January 25, 2024.................................................. 22,900 42 February 25, 2024................................................. 21,985 06 March 25, 2024.................................................... 21,102 41 April 25, 2024.................................................... 20,251 33 May 25, 2024...................................................... 19,430 77 June 25, 2024..................................................... 18,639 69 July 25, 2024..................................................... 17,877 06 August 25, 2024................................................... 17,141 93 September 25, 2024................................................ 16,433 36 October 25, 2024.................................................. 15,750 42 November 25, 2024................................................. 15,092 25 December 25, 2024................................................. 14,458 00 January 25, 2025.................................................. 13,846 84 February 25, 2025................................................. 13,257 97 March 25, 2025.................................................... 12,690 64 April 25, 2025.................................................... 12,144 10 May 25, 2025...................................................... 11,617 62 June 25, 2025..................................................... 11,110 52 July 25, 2025..................................................... 10,622 12 August 25, 2025................................................... 10,151 78 September 25, 2025................................................ 9,698 87 October 25, 2025.................................................. 9,262 79 November 25, 2025................................................. 8,842 94 December 25, 2025................................................. 8,438 76 January 25, 2026.................................................. 8,049 71 February 25, 2026................................................. 7,675 26 March 25, 2026.................................................... 7,314 89 April 25, 2026.................................................... 6,968 11 May 25, 2026...................................................... 6,634 45 June 25, 2026..................................................... 6,313 44 July 25, 2026..................................................... 6,004 64 August 25, 2026................................................... 5,707 61 September 25, 2026................................................ 5,421 95 October 25, 2026.................................................. 5,147 24 November 25, 2026................................................. 4,883 11 December 25, 2026................................................. 4,629 17 January 25, 2027.................................................. 4,385 06 February 25, 2027................................................. 4,150 44 March 25, 2027.................................................... 3,924 96 April 25, 2027.................................................... 3,708 30 May 25, 2027...................................................... 3,500 14 June 25, 2027..................................................... 3,300 17 July 25, 2027..................................................... 3,108 11 August 25, 2027................................................... 2,923 67 September 25, 2027................................................ 2,746 57 October 25, 2027.................................................. 2,576 54 November 25, 2027................................................. 2,413 34 December 25, 2027................................................. 2,256 71 January 25, 2028.................................................. 2,106 42 February 25, 2028................................................. 1,962 23 March 25, 2028.................................................... 1,823 92 April 25, 2028.................................................... 1,691 27 May 25, 2028...................................................... 1,564 09 June 25, 2028..................................................... 1,442 16 July 25, 2028..................................................... 1,325 30 August 25, 2028................................................... 1,213 31 September 25, 2028................................................ 1,106 02 October 25, 2028.................................................. 1,003 25 November 25, 2028................................................. 904 84 December 25, 2028................................................. 810 61 January 25, 2029.................................................. 720 43 February 25, 2029................................................. 634 13 March 25, 2029.................................................... 551 56 April 25, 2029.................................................... 472 59 May 25, 2029...................................................... 397 09 June 25, 2029..................................................... 324 92 July 25, 2029..................................................... 255 95 August 25, 2029................................................... 190 06 September 25, 2029................................................ 127 14 October 25, 2029.................................................. 67 07 November 25, 2029................................................. 9 74 December 25, 2029................................................. 0