10-K/A 1 baf06002_10ka-2006.txt UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K/A Amendment No. 2 (Mark one) /X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2006 OR / / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission file number: 333-121559-19 Banc of America Funding 2006-2 Trust (exact name of issuing entity as specified in its charter) Banc of America Funding Corporation (exact name of the depositor as specified in its charter) Bank of America, National Association (exact name of the sponsor as specified in its charter) New York 54-2195416 (State or other jurisdiction of 54-2195417 incorporation or organization) 54-2195418 (I.R.S. Employer Identification No.) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 Securities registered pursuant to Section 12(b) of the Act: NONE. Securities registered pursuant to Section 12(g) of the Act: NONE. Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ___ No X Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ___ No X Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes X No ___ Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K ( 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. Not applicable. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check one): Large accelerated filer ___ Accelerated filer ___ Non-accelerated filer X Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes ___ No X State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter. Not applicable. Documents Incorporated by Reference List hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document is incorporated: (1)Any annual report to security holders; (2) Any proxy or information statement; and (3)Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes (e.g., annual report to security holders for fiscal year ended December 24, 1980). Not applicable. PART I Item 1. Business. Omitted. Item 1A. Risk Factors. Omitted. Item 1B. Unresolved Staff Comments. Not Applicable. Registrant is not an accelerated filer or well-known seasoned issuer. Item 2. Properties. Omitted. Item 3. Legal Proceedings. Omitted. Item 4. Submission of Matters to a Vote of Security Holders. Omitted. PART II Item 5. Market for Registrants Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities. Omitted. Item 6. Selected Financial Data. Omitted. Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations. Omitted. Item 7A. Quantitative and Qualitative Disclosures About Market Risk. Omitted. Item 8. Financial Statements and Supplementary Data. Omitted. Item 9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure. Omitted. Item 9A. Controls and Procedures. Omitted. Item 9A(T). Controls and Procedures. Omitted. Item 9B. Other Information. None. PART III Item 10. Directors, Executive Officers and Corporate Governance. Omitted. Item 11. Executive Compensation. Omitted. Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters. Omitted. Item 13. Certain Relationships and Related Transactions, and Director Independence. Omitted. Item 14. Principal Accounting Fees and Services. Omitted. ADDITIONAL DISCLOSURE ITEMS FOR REGULATION AB EXPLANATORY NOTE The issuing entity is filing this Form 10-K/A to replace Exhibits 31, 33.a and 34.a to the original Form 10-K filed on March 30, 2007 and the amended Form 10-K filed on April 2, 2007. Assurant Inc. ("Assurant") recently provided the issuing entity with a revised report on assessment of compliance with servicing criteria for asset-backed securities and a related attestation. In the original assessment previously provided to the issuing entity, Assurant excluded Item 1122(d)(4)(xii) from the scope of its assessment. Assurant recently provided the issuing entity with a revised assessment of compliance that assesses Assurant's compliance with Item 1122(d)(4)(xii) and identifies material non-compliance with this criterion. This material non-compliance is noted in this Form 10-K/A under "Additional Disclosure Items for Regulation AB." The issuing entity has included this revised assessment of compliance under Exhibit 33.a, the related attestation under Exhibit 34.a and a revised Rule 13a-14(d)/15d-14(d) Certification under Exhibit 31. This Form 10-K/A does not otherwise amend the original Form 10-K filed on March 30, 2007 and previously amended by the Form 10-K/A filed on April 2, 2007. Item 1112(b) of Regulation AB, Significant Obligor Financial Information. No single obligor represents 10% or more of the pool assets held by this transaction. Item 1114(b)(2) and 1115(b) of Regulation AB, Significant Enhancement Provider Financial Information. No entity or group of affiliated entities provides any external credit enhancement or other support for the certificates within this transaction. No entity or group of affiliated entities provides derivative instruments with an aggregate significance percentage of 10% or more. Item 1117 of Regulation AB, Legal Proceedings. The registrant knows of no material pending legal or governmental proceedings involving the Issuing Entity and all parties related to such Issuing Entity, other than routine litigation incidental to the duties of those respective parties. Item 1119 of Regulation AB, Affiliations and Certain Relationships and Related Transactions. No changes to the information provided in the prospectus filed pursuant to Rule 424 of the Securities Act of 1933, as amended, under the same Central Index Key (CIK) as this annual report on Form 10-K. Item 1122 of Regulation AB, Compliance with Applicable Servicing Criteria. The reports on assessment of compliance with servicing criteria and registered public accounting firm attestation reports are attached hereto under Item 15. The following material instances of non-compliance are identified therein: Assurant, Inc. previously excluded the applicable servicing criteria set forth in Item 1122 (d)(4)(xii) from the scope of its assessment of compliance. Assurant, Inc. has now assessed its compliance with the Applicable Servicing Criteria for the Reporting Period of January 1, 2006 through December 31, 2006 and has identified a material instance of noncompliance with that servicing criterion. Specifically, Assurant, Inc. did not have, during the Reporting Period, sufficient policies and procedures to capture the information with respect to the Platform Transactions necessary to determine compliance with Item 1122(d)(4)(xii). Accordingly, Assurant, Inc. has restated its previous assessment for the Reporting Period, which excluded evaluation of the criterion, to include the criterion and reflect the material noncompliance as a result of its assessment. The assessment of compliance for National City Mortgage Company ("NCM") has disclosed the following material noncompliance with the servicing criteria set forth in Item 1122(d)(3)(i)(A) applicable to NCM's platform during the year ended December 31, 2006. The assessment of compliance noted instances in which NCM failed to provide the master servicer with the delinquency data as set forth in the transaction agreements. The assessment of compliance for SunTrust Mortgage, Inc. has disclosed the following material noncompliance with the servicing criteria set forth in Items 1122(d)(1)(i), 1122(d)(2)(i) and 1122(d)(2)(iv) of Regulation AB applicable to SunTrust Mortgage, Inc. during the year ended December 31, 2006. Specifically, SunTrust Mortgage, Inc. did not (i) institute policies and procedures to monitor any performance or other triggers and events of default in accordance with the transaction agreements as required by Item 1122(d)(1)(i); (ii) deposit payments on pool assets into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days after receipt, or such other number of days specified in the transaction agreements as required by Item 1122(d)(2)(i); and (iii) separately maintain the related accounts for the transaction as set forth in the transaction agreements, as required by Item 1122(d)(2)(iv). The assessment of compliance for Wells Fargo Bank, N.A. (servicer) disclosed the following instances of material noncompliance with certain servicing criteria applicable to Wells Fargo Bank, N.A. during the year ended December 31, 2006: 1. 1122(d)(3)(i) - Delinquency Reporting - Wells Fargo Bank, N.A. provided incomplete data to some third parties who use such data to calculate delinquency ratios and determine the status of loans with respect to bankruptcy, foreclosure or real estate owned. Instead of the actual due date being provided for use in calculating delinquencies, the date of the first payment due to the security was provided. 2. 1122(d)(4)(vii) - Notification of Intent to Foreclose - Wells Fargo Bank, N.A., as required by certain servicing agreements, did not provide investors with prior notification of intent to foreclose. The assessment of compliance for Wells Fargo Bank, N.A. (Corporate Trust Services) disclosed material noncompliance with Item 1122(d)(3)(i), as applicable to Wells Fargo Bank, N.A. during the twelve months ended December 31, 2006. Certain monthly investor or remittance reports included errors in the calculation and/or the reporting of delinquencies for the pool assets. Although each servicing criterion required by Item 1122(d) of Regulation AB is addressed in one or more of the Assessments of Compliance with Servicing Criteria and related Attestation Reports included with this report, the Servicers', GMAC Mortgage LLC f/k/a GMAC Mortgage Corporation, National City Mortgage Co, SunTrust Mortgage Inc., and Washington Mutual Bank, Assessments of Compliance and related Attestation Reports did not address each of the servicing criteria that the Servicers were required to address under the terms of the related Servicing Agreements. The Servicers have not identified such failure to provide an Assessment and Attestation for these items as a material failure to fulfill its obligations under the related servicing agreements in the Servicer's Compliance Statements provided under Item 1123 of Regulation AB, because the Servicers assert that those items are not applicable to the Servicers. Item 1123 of Regulation AB, Servicer Compliance Statement. The servicer compliance statements are attached hereto under Item 15. The servicer compliance statements disclose the following failure of one of the servicers to fulfill its obligations under the applicable agreements in all material respects: SunTrust Mortgage, Inc. did not have procedures for monitoring compliance with requirements governing Regulation AB transactions as specified in the servicing agreements with the Sponsor. PART IV Item 15. Exhibits, Financial Statement Schedules. (a) Exhibits 4.1 Pooling and Servicing Agreement, dated February 27, 2006, by and among Banc of America Funding Corporation, Wells Fargo Bank, N.A. and U.S. Bank National Association (including exhibits), incorporated by reference from Exhibit 4.1 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 4.2 Mortgage Loan Purchase Agreement, dated February 27, 2006, between Banc of America Funding Corporation and Bank of America, National Association (including exhibits), incorporated by reference from Exhibit 4.2 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.1 Servicing Agreement, dated February 27, 2006, between Banc of America Funding Corporation and Bank of America, National Association (including exhibits), incorporated by reference from Exhibit 10.1 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.2 (A) Master Seller's Warranties and Servicing Agreement, dated as of January 1, 2003, by and between Bank of America, National Association and Wells Fargo Bank, N.A. (as successor in interest to Wells Fargo Home Mortgage, Inc.), incorporated by reference from Exhibit 10.2(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Master Mortgage Loan Purchase Agreement, dated as of January 1, 2003, by and between Bank of America, National Association and Wells Fargo Bank, N.A. (as successor in interest to Wells Fargo Home Mortgage, Inc.), incorporated by reference from Exhibit 10.2(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Seller's Warranties and Servicing Agreement, dated as of March 1, 2005 (as amended and restated on December 1, 2005) by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Master Mortgage Loan Purchase Agreement, dated as of March 1, 2005 (as amended and restated on December 1, 2005) by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Amended and Restated Master Seller's Warranties and Servicing Agreement, dated as of December 1, 2005, by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Amended and Restated Master Mortgage Loan Purchase Agreement, dated as of December 1, 2005, by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (G) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(G) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.3 (A) Flow Sale and Servicing Agreement, dated as of February 1, 2004, by and between Bank of America, National Association (as successor in interest to Banc of America Mortgage Capital Corporation) and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Amendment No. 1, dated as of June 1, 2004, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Assignment, Assumption and Recognition Agreement, dated September 1, 2004, by and among of Banc of America Mortgage Capital Corporation, SunTrust Mortgage, Inc., Bank of America, National Association and Wachovia Bank, National Association, incorporated by reference from Exhibit 10.3(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Amendment No. 2, dated as of November 1, 2004, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Regulation AB Compliance Addendum to the Flow Sale and Servicing Agreement, dated as of January 1, 2006, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association, Wells Fargo Bank, N.A. and SunTrust Mortgage, Inc, incorporated by reference from Exhibit 10.3(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.4 (A) Master Seller's Warranties and Servicing Agreement, dated as of September 1, 2003, by and between Bank of America, National Association (as successor in interest to Banc of America Mortgage Capital Corporation) and National City Mortgage Co., incorporated by reference from Exhibit 10.4(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Amendment No. 1, dated as of July 1, 2004, by and among Banc of America Mortgage Capital Corporation, National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Assignment, Assumption and Recognition Agreement, dated July 1, 2004, by and among of Banc of America Mortgage Capital Corporation, National City Mortgage Co., Bank of America, National Association and Wachovia Bank, National Association, incorporated by reference from Exhibit 10.4(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Amendment No. 2, dated as of October 1, 2004, by and between National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Amendment No. 3, dated as of August 11, 2005, by and between National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Regulation AB Compliance Addendum to the Master Seller's Warranties and Servicing Agreement, dated as of January 1, 2006, by and between Bank of America, National Association and National City Mortgage Co, incorporated by reference from Exhibit 10.4(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (G) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association, Wells Fargo Bank, N.A. and National City Mortgage Co., incorporated by reference from Exhibit 10.4(G) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (31) Rule 13a-14(d)/15d-14(d) Certifications. (33) Reports on assessment of compliance with servicing criteria for asset-backed securities. a) Assurant Inc. as Sub-Contractor for Washington Mutual Bank b) Bank of America, National Association, as Servicer c) GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation, as Servicer d) National City Mortgage Co., as Servicer e) Regulus Group LLC as Sub-Contractor for National City Mortgage Co. f) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. g) SunTrust Mortgage, Inc., as Servicer h) U.S. Bank, National Association, as Custodian i) Washington Mutual Bank, as Servicer j) Wells Fargo Bank, N.A., as Servicer k) Wells Fargo Bank, N.A., as Master Servicer l) Wells Fargo Bank, N.A., as Securities Administrator m) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc. n) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.
(34) Attestation reports on assessment of compliance with servicing criteria for asset-backed securities. a) Assurant Inc. as Sub-Contractor for Washington Mutual Bank b) Bank of America, National Association, as Servicer c) GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation, as Servicer d) National City Mortgage Co., as Servicer e) Regulus Group LLC as Sub-Contractor for National City Mortgage Co. f) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. g) SunTrust Mortgage, Inc., as Servicer h) U.S. Bank, National Association, as Custodian i) Washington Mutual Bank, as Servicer j) Wells Fargo Bank, N.A., as Servicer k) Wells Fargo Bank, N.A., as Master Servicer l) Wells Fargo Bank, N.A., as Securities Administrator m) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc. n) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.
(35) Servicer compliance statement. a) Bank of America, National Association, as Servicer b) National City Mortgage Co., as Servicer c) SunTrust Mortgage, Inc., as Servicer d) Wells Fargo Bank, N.A., as Servicer e) Wells Fargo Bank, N.A., as Master Servicer f) Wells Fargo Bank, N.A., as Securities Administrator
(b) Not applicable. (c) Omitted. Filed herewith. SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Banc of America Funding 2006-2 Trust (Issuing Entity) Wells Fargo Bank, N.A. (Master Servicer) /s/ Chris Regnier Chris Regnier, Vice President (senior officer in charge of the servicing function of the master servicer) Date: May 30, 2008 Exhibit Index Exhibit No. 4.1 Pooling and Servicing Agreement, dated February 27, 2006, by and among Banc of America Funding Corporation, Wells Fargo Bank, N.A. and U.S. Bank National Association (including exhibits), incorporated by reference from Exhibit 4.1 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 4.2 Mortgage Loan Purchase Agreement, dated February 27, 2006, between Banc of America Funding Corporation and Bank of America, National Association (including exhibits), incorporated by reference from Exhibit 4.2 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.1 Servicing Agreement, dated February 27, 2006, between Banc of America Funding Corporation and Bank of America, National Association (including exhibits), incorporated by reference from Exhibit 10.1 of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.2 (A) Master Seller's Warranties and Servicing Agreement, dated as of January 1, 2003, by and between Bank of America, National Association and Wells Fargo Bank, N.A. (as successor in interest to Wells Fargo Home Mortgage, Inc.), incorporated by reference from Exhibit 10.2(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Master Mortgage Loan Purchase Agreement, dated as of January 1, 2003, by and between Bank of America, National Association and Wells Fargo Bank, N.A. (as successor in interest to Wells Fargo Home Mortgage, Inc.), incorporated by reference from Exhibit 10.2(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Seller's Warranties and Servicing Agreement, dated as of March 1, 2005 (as amended and restated on December 1, 2005) by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Master Mortgage Loan Purchase Agreement, dated as of March 1, 2005 (as amended and restated on December 1, 2005) by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Amended and Restated Master Seller's Warranties and Servicing Agreement, dated as of December 1, 2005, by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Amended and Restated Master Mortgage Loan Purchase Agreement, dated as of December 1, 2005, by and between Bank of America, National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (G) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association and Wells Fargo Bank, N.A., incorporated by reference from Exhibit 10.2(G) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.3 (A) Flow Sale and Servicing Agreement, dated as of February 1, 2004, by and between Bank of America, National Association (as successor in interest to Banc of America Mortgage Capital Corporation) and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Amendment No. 1, dated as of June 1, 2004, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Assignment, Assumption and Recognition Agreement, dated September 1, 2004, by and among of Banc of America Mortgage Capital Corporation, SunTrust Mortgage, Inc., Bank of America, National Association and Wachovia Bank, National Association, incorporated by reference from Exhibit 10.3(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Amendment No. 2, dated as of November 1, 2004, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Regulation AB Compliance Addendum to the Flow Sale and Servicing Agreement, dated as of January 1, 2006, by and between Bank of America, National Association and SunTrust Mortgage, Inc., incorporated by reference from Exhibit 10.3(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association, Wells Fargo Bank, N.A. and SunTrust Mortgage, Inc, incorporated by reference from Exhibit 10.3(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. 10.4 (A) Master Seller's Warranties and Servicing Agreement, dated as of September 1, 2003, by and between Bank of America, National Association (as successor in interest to Banc of America Mortgage Capital Corporation) and National City Mortgage Co., incorporated by reference from Exhibit 10.4(A) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (B) Amendment No. 1, dated as of July 1, 2004, by and among Banc of America Mortgage Capital Corporation, National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(B) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (C) Master Assignment, Assumption and Recognition Agreement, dated July 1, 2004, by and among of Banc of America Mortgage Capital Corporation, National City Mortgage Co., Bank of America, National Association and Wachovia Bank, National Association, incorporated by reference from Exhibit 10.4(C) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (D) Amendment No. 2, dated as of October 1, 2004, by and between National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(D) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (E) Amendment No. 3, dated as of August 11, 2005, by and between National City Mortgage Co. and Bank of America, National Association, incorporated by reference from Exhibit 10.4(E) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (F) Regulation AB Compliance Addendum to the Master Seller's Warranties and Servicing Agreement, dated as of January 1, 2006, by and between Bank of America, National Association and National City Mortgage Co, incorporated by reference from Exhibit 10.4(F) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (G) Assignment, Assumption and Recognition Agreement, dated February 27, 2006, among Bank of America, National Association, Banc of America Funding Corporation, U.S. Bank National Association, Wells Fargo Bank, N.A. and National City Mortgage Co., incorporated by reference from Exhibit 10.4(G) of the issuing entity's Current Report on Form 8-K filed on March 14, 2006. (31) Rule 13a-14(d)/15d-14(d) Certifications. (33) Reports on assessment of compliance with servicing criteria for asset-backed securities. a) Assurant Inc. as Sub-Contractor for Washington Mutual Bank b) Bank of America, National Association, as Servicer c) GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation, as Servicer d) National City Mortgage Co., as Servicer e) Regulus Group LLC as Sub-Contractor for National City Mortgage Co. f) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. g) SunTrust Mortgage, Inc., as Servicer h) U.S. Bank, National Association, as Custodian i) Washington Mutual Bank, as Servicer j) Wells Fargo Bank, N.A., as Servicer k) Wells Fargo Bank, N.A., as Master Servicer l) Wells Fargo Bank, N.A., as Securities Administrator m) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc. n) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.
(34) Attestation reports on assessment of compliance with servicing criteria for asset-backed securities. a) Assurant Inc. as Sub-Contractor for Washington Mutual Bank b) Bank of America, National Association, as Servicer c) GMAC Mortgage, LLC f/k/a GMAC Mortgage Corporation, as Servicer d) National City Mortgage Co., as Servicer e) Regulus Group LLC as Sub-Contractor for National City Mortgage Co. f) Regulus Group LLC as Sub-Contractor for Wells Fargo Bank, N.A. g) SunTrust Mortgage, Inc., as Servicer h) U.S. Bank, National Association, as Custodian i) Washington Mutual Bank, as Servicer j) Wells Fargo Bank, N.A., as Servicer k) Wells Fargo Bank, N.A., as Master Servicer l) Wells Fargo Bank, N.A., as Securities Administrator m) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for SunTrust Mortgage, Inc. n) ZC Sterling Insurance Agency, Inc. as Sub-Contractor for Wells Fargo Bank, N.A.
(35) Servicer compliance statement. a) Bank of America, National Association, as Servicer b) National City Mortgage Co., as Servicer c) SunTrust Mortgage, Inc., as Servicer d) Wells Fargo Bank, N.A., as Servicer e) Wells Fargo Bank, N.A., as Master Servicer f) Wells Fargo Bank, N.A., as Securities Administrator