Exhibit 10.2(B)


                               AMENDMENT NO. 1 TO

                        FLOW SALE AND SERVICING AGREEMENT

      This AMENDMENT NO. 1 TO FLOW SALE AND SERVICING AGREEMENT ("Amendment No.
1") dated as of June 1, 2004, by and between Banc of America Mortgage Capital
Corporation, a North Carolina corporation (the "Purchaser") and SunTrust
Mortgage, Inc. (the "Company").

      WHEREAS, the Purchaser and the Company have entered into a Flow Sale and
Servicing Agreement (the "Sale and Servicing Agreement"), dated as of February
1, 2004, which prescribes the manner of purchase, conveyance, servicing and
control of certain Mortgage Loans purchased by the Purchaser from the Company
from time to time;

      WHEREAS, the Purchaser and the Company wish to amend provisions of the
Sale and Servicing Agreement as provided herein; and

      WHEREAS, capitalized terms not otherwise defined herein shall have the
meanings set forth in the Sale and Servicing Agreement.

      NOW THEREFORE, in consideration of the mutual premises set forth herein
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the Purchaser and the Company agree as follows:

      1.    Section 3.05 of the Sale and Servicing Agreement is deleted in
its entirety and replaced with the following:

            "Purchase Price Protection.

                  With respect to any mortgage loan that prepays in full within
            sixty (60) days of purchase by the Purchaser, the Company shall
            reimburse the Purchaser within thirty (30) days following the
            prepayment in full of such Mortgage Loan, the amount (if any) by
            which the portion of the Purchase Price paid by the Purchaser to the
            Company for such Mortgage Loan exceeded 100% of the outstanding
            scheduled principal balance of the Mortgage Loan as of the related
            Cut-off Date, provided that the Purchaser shall provide to the
            Company a statement of the amount to be reimbursed hereunder no
            later than thirty (30) days after the Company provides written
            notice of such prepayment to the Purchaser."

      2.    Except as modified by this Amendment No. 1, all terms,
conditions, representations and warranties of the Sale and Servicing Agreement
and any previously executed Amendments or related agreements shall remain in
full force and effect. If any term or condition of this Amendment No. 1 is in
conflict with any term or condition of the Sale and Servicing Agreement, the
terms of this Amendment No. 1 shall control.

      3.    Upon execution of this Amendment No. 1, the Sale and Servicing
Agreement as it relates to Mortgage Loans sold pursuant to Memoranda of Sale
executed on or after the date


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hereof will be read to contain the above amendment, and any future reference to
the Sale and Servicing Agreement will mean the Sale and Servicing Agreement as
so modified.

      4.    This Amendment No. 1 may be executed simultaneously in any number
of counterparts. Each counterpart shall be deemed to be an original, and all
such counterparts shall constitute one and the same instrument.

      5.    This Amendment 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.

      6.    This Amendment shall inure to the benefit of and be binding upon the
Purchaser and the Servicer under the Sale and Servicing Agreement, and their
respective successors and permitted assigns.


                               [SIGNATURES FOLLOW]


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      IN WITNESS WHEREOF, the Company and the Purchaser have caused their names
to be signed to the Amendment No. 1 by their respective officers, duly
authorized as of the day and year first above written.


BANC OF AMERICA MORTGAGE                SUNTRUST MORTGAGE, INC.
CAPITAL CORPORATION                     COMPANY
PURCHASER


By: /s/ Bruce W. Good                   By: /s/ John F.S       g
    --------------------------------       -------------------------------------

Name: Bruce W. Good                     Name: John F.S
      ------------------------------         -----------------------------------

Title: Vice President                   Title: Assistant Vice President
       -----------------------------          ----------------------------------


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