8-K 1 ba787996-8k.txt CURRENT REPORT SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report: June 28, 2004 (Date of earliest event reported) Commission File No. 333-105940 Banc of America Mortgage Securities, Inc. ------------------------------------------------------------------------------ Delaware 36-4514369 ------------------------------------------------------------------------------ (State of Incorporation) (I.R.S. Employer Identification No.) 201 North Tryon Street, Charlotte, North Carolina 28255 ------------------------------------------------------------------------------ Address of principal executive offices (Zip Code) (704) 387-8239 ------------------------------------------------------------------------------ Registrant's Telephone Number, including area code ------------------------------------------------------------------------------ (Former name, former address and former fiscal year, if changed since last report) ITEM 5. Other Events On June 28, 2004, Banc of America Mortgage Securities, Inc., a Delaware corporation (the "Registrant"), sold Banc of America Alternative Loan Trust 2004-6 Mortgage Pass-Through Certificates, Series 2004-6, Class 1-A-1, Class 1-A-R, Class 1-A-LR, Class 2-A-1, Class CB-IO, Class 3-A-1, Class 3-A-2, Class 3-A-3, Class 4-A-1, Class 4-IO, Class X-PO, Class 15-PO, Class 30-B-1, Class 30-B-2, Class 30-B-3, Class 4-B-1, Class 4-B-2 and Class 4-B-3 (the "Offered Certificates"), having an aggregate original principal balance of $440,078,320. The Offered Certificates were issued pursuant to a Pooling and Servicing Agreement, dated June 28, 2004, among the Registrant, Bank of America, N.A., as servicer ("BANA"), and Wells Fargo Bank, N.A., as trustee (the "Agreement"), a copy of which is filed as an exhibit hereto. Mortgage Pass-Through Certificates, Series 2004-6, Class 30-B-4, Class 30-B-5 Class 30-B-6, Class 4-B-4, Class 4-B-5 and Class 4-B-6 Certificates, having an aggregate initial principal balance of $4,527,785 (the "Private Certificates" and, together with the Offered Certificates, the "Certificates"), were also issued pursuant to the Agreement. As of the date of initial issuance, the Offered Certificates evidenced an approximate 98.98% undivided interest in a trust (the "Trust"), consisting principally of four pools of fixed interest rate, conventional, monthly pay, fully-amortizing, one- to four-family residential first mortgage loans. The remaining undivided interests in the Trust are evidenced by the Private Certificates distributions on which are subordinated to distributions on the Offered Certificates. Interest on the Offered Certificates will be distributed on each Distribution Date (as defined in the Agreement). Monthly distributions in reduction of the principal balance of the Offered Certificates will be allocated to the Offered Certificates in accordance with the priorities set forth in the Agreement. Distributions of interest and in reduction of principal balance on any Distribution Date will be made to the extent that the related Pool Distribution Amount is sufficient therefor. Elections will be made to treat the Trust as two separate REMICs for federal income tax purposes (the "Upper-Tier REMIC" and the "Lower-Tier REMIC" and each, a "REMIC"). The Class 1-A-1, Class 1-A-R, Class 1-A-LR, Class 2-A-1, Class 3-A-1, Class 3-A-2, Class 3-A-3, Class 4-A-1, Class 4-IO, Class 15-PO, Class 30-B-1, Class 30-B-2, Class 30-B-3, Class 30-B-4, Class 30-B-5, Class 30-B-6, Class 4-B-1, Class 4-B-2, Class 4-B-3, Class 4-B-4, Class 4-B-5 and Class 4-B-6 Certificates and each Class IO and Class X-PO Component will be treated as "regular interests" in the REMIC and the Class 1-A-R and Class 1-A-LR Certificates will be treated as the "residual interest" in the Upper-Tier REMIC and the Lower-Tier REMIC, respectively. ITEM 7. Financial Statements and Exhibits --------------------------------- (c) Exhibits Item 601(a) of Regulation S-K Exhibit No. Description ---------- ------------ (EX-4) Pooling and Servicing Agreement, dated June 28, 2004, among Banc of America Mortgage Securities, Inc., Bank of America, N.A. and Wells Fargo Bank, N.A., as trustee. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. BANC OF AMERICA MORTGAGE SECURITIES, INC. June 28, 2004 By: /s/ Judy Lowman ------------------------------------ Name: Judy Lowman Title: Vice President INDEX TO EXHIBITS Paper (P) or Exhibit No. Description Electronic (E) ----------- ----------- -------------- (EX-4) Pooling and Servicing Agreement, E dated June 28, 2004 among Banc of America Mortgage Securities, Inc., Bank of America, N.A. and Wells Fargo Bank, N.A., as trustee.

Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Record Date: 6/30/04 Distribution Date: 7/26/04 BAA Series: 2004-6 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-A-1 05948KTE9 SEN 6.00000% 165,409,000.00 827,045.00 506,433.76 1-A-R 05948KSE0 SEN 6.00000% 50.00 0.85 50.00 1-A-LR 05948KSF7 SEN 6.00000% 50.00 0.25 50.00 2-A-1 05948KSG5 SEN 6.00000% 93,876,000.00 469,380.00 104,855.17 CB-IO 05948KSH3 SEN 6.00000% 0.00 5,092.01 0.00 3-A-1 05948KSJ9 SEN 6.00000% 3,786,000.00 18,930.00 0.00 3-A-2 05948KSK6 SEN 6.00000% 28,301,000.00 141,505.00 48,544.70 3-A-3 05948KSL4 SEN 6.00000% 2,318,000.00 11,590.00 (11,590.00) 3-IO 05948KSM2 SEN 6.00000% 0.00 1,061.04 0.00 4-A-1 05948KSN0 SEN 5.00000% 115,510,000.00 481,291.67 523,367.16 4-IO 05948KSP5 SEN 5.00000% 0.00 17,172.83 0.00 X-PO 05948KSQ3 SEN 0.00000% 15,171,278.00 0.00 23,521.75 15-PO 05948KSR1 SEN 0.00000% 3,012,942.00 0.00 13,129.97 4-B-1 05948KSV2 SUB 5.00000% 1,576,000.00 6,566.67 5,819.48 4-B-2 05948KSW0 SUB 5.00000% 242,000.00 1,008.33 893.60 4-B-3 05948KSX8 SUB 5.00000% 364,000.00 1,516.67 1,344.09 4-B-4 05948KTB5 SUB 5.00000% 182,000.00 758.33 672.05 4-B-5 05948KTC3 SUB 5.00000% 121,000.00 504.17 446.80 4-B-6 05948KTD1 SUB 5.00000% 182,087.00 758.70 672.37 30-B-1 05948KSS9 SUB 6.00000% 5,984,000.00 29,920.00 6,042.42 30-B-2 05948KST7 SUB 6.00000% 2,911,000.00 14,555.00 2,939.42 30-B-3 05948KSU4 SUB 6.00000% 1,617,000.00 8,085.00 1,632.79 30-B-4 05948KSY6 SUB 6.00000% 1,617,000.00 8,085.00 1,632.79 30-B-5 05948KSZ3 SUB 6.00000% 1,132,000.00 5,660.00 1,143.05 30-B-6 05948KTA7 SUB 6.00000% 1,293,698.43 6,468.49 1,306.33 Totals 444,606,105.43 2,056,955.01 1,232,907.70

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 164,902,566.24 1,333,478.76 0.00 1-A-R 0.00 0.00 50.85 0.00 1-A-LR 0.00 0.00 50.25 0.00 2-A-1 0.00 93,771,144.83 574,235.17 0.00 CB-IO 0.00 0.00 5,092.01 0.00 3-A-1 0.00 3,786,000.00 18,930.00 0.00 3-A-2 0.00 28,252,455.30 190,049.70 0.00 3-A-3 0.00 2,329,590.00 0.00 0.00 3-IO 0.00 0.00 1,061.04 0.00 4-A-1 0.00 114,986,632.84 1,004,658.83 0.00 4-IO 0.00 0.00 17,172.83 0.00 X-PO 0.00 15,147,756.25 23,521.75 0.00 15-PO 0.00 2,999,812.03 13,129.97 0.00 4-B-1 0.00 1,570,180.52 12,386.15 0.00 4-B-2 0.00 241,106.40 1,901.93 0.00 4-B-3 0.00 362,655.91 2,860.76 0.00 4-B-4 0.00 181,327.95 1,430.38 0.00 4-B-5 0.00 120,553.20 950.97 0.00 4-B-6 0.00 181,414.63 1,431.07 0.00 30-B-1 0.00 5,977,957.58 35,962.42 0.00 30-B-2 0.00 2,908,060.58 17,494.42 0.00 30-B-3 0.00 1,615,367.21 9,717.79 0.00 30-B-4 0.00 1,615,367.21 9,717.79 0.00 30-B-5 0.00 1,130,856.95 6,803.05 0.00 30-B-6 0.00 1,292,392.10 7,774.82 0.00 Totals 0.00 443,373,197.73 3,289,862.71 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-A-1 165,409,000.00 165,409,000.00 167,688.26 338,745.50 0.00 0.00 1-A-R 50.00 50.00 16.56 33.44 0.00 0.00 1-A-LR 50.00 50.00 16.56 33.44 0.00 0.00 2-A-1 93,876,000.00 93,876,000.00 94,506.24 10,348.93 0.00 0.00 CB-IO 0.00 0.00 0.00 0.00 0.00 0.00 3-A-1 3,786,000.00 3,786,000.00 0.00 0.00 0.00 0.00 3-A-2 28,301,000.00 28,301,000.00 45,089.00 3,455.70 0.00 0.00 3-A-3 2,318,000.00 2,318,000.00 0.00 0.00 (11,590.00) 0.00 3-IO 0.00 0.00 0.00 0.00 0.00 0.00 4-A-1 115,510,000.00 115,510,000.00 426,528.19 96,838.97 0.00 0.00 4-IO 0.00 0.00 0.00 0.00 0.00 0.00 X-PO 15,171,278.00 15,171,278.00 16,255.45 7,266.30 0.00 0.00 15-PO 3,012,942.00 3,012,942.00 11,608.32 1,521.65 0.00 0.00 4-B-1 1,576,000.00 1,576,000.00 5,819.48 0.00 0.00 0.00 4-B-2 242,000.00 242,000.00 893.60 0.00 0.00 0.00 4-B-3 364,000.00 364,000.00 1,344.09 0.00 0.00 0.00 4-B-4 182,000.00 182,000.00 672.05 0.00 0.00 0.00 4-B-5 121,000.00 121,000.00 446.80 0.00 0.00 0.00 4-B-6 182,087.00 182,087.00 672.37 0.00 0.00 0.00 30-B-1 5,984,000.00 5,984,000.00 6,042.42 0.00 0.00 0.00 30-B-2 2,911,000.00 2,911,000.00 2,939.42 0.00 0.00 0.00 30-B-3 1,617,000.00 1,617,000.00 1,632.79 0.00 0.00 0.00 30-B-4 1,617,000.00 1,617,000.00 1,632.79 0.00 0.00 0.00 30-B-5 1,132,000.00 1,132,000.00 1,143.05 0.00 0.00 0.00 30-B-6 1,293,698.43 1,293,698.43 1,306.33 0.00 0.00 0.00 Totals 444,606,105.43 444,606,105.43 786,253.77 458,243.93 (11,590.00) 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-A-1 506,433.76 164,902,566.24 0.99693829 506,433.76 1-A-R 50.00 0.00 0.00000000 50.00 1-A-LR 50.00 0.00 0.00000000 50.00 2-A-1 104,855.17 93,771,144.83 0.99888305 104,855.17 CB-IO 0.00 0.00 0.00000000 0.00 3-A-1 0.00 3,786,000.00 1.00000000 0.00 3-A-2 48,544.70 28,252,455.30 0.99828470 48,544.70 3-A-3 (11,590.00) 2,329,590.00 1.00500000 (11,590.00) 3-IO 0.00 0.00 0.00000000 0.00 4-A-1 523,367.16 114,986,632.84 0.99546907 523,367.16 4-IO 0.00 0.00 0.00000000 0.00 X-PO 23,521.75 15,147,756.25 0.99844959 23,521.75 15-PO 13,129.97 2,999,812.03 0.99564214 13,129.97 4-B-1 5,819.48 1,570,180.52 0.99630744 5,819.48 4-B-2 893.60 241,106.40 0.99630744 893.60 4-B-3 1,344.09 362,655.91 0.99630745 1,344.09 4-B-4 672.05 181,327.95 0.99630742 672.05 4-B-5 446.80 120,553.20 0.99630744 446.80 4-B-6 672.37 181,414.63 0.99630742 672.37 30-B-1 6,042.42 5,977,957.58 0.99899024 6,042.42 30-B-2 2,939.42 2,908,060.58 0.99899024 2,939.42 30-B-3 1,632.79 1,615,367.21 0.99899024 1,632.79 30-B-4 1,632.79 1,615,367.21 0.99899024 1,632.79 30-B-5 1,143.05 1,130,856.95 0.99899024 1,143.05 30-B-6 1,306.33 1,292,392.10 0.99899024 1,306.33 Totals 1,232,907.70 443,373,197.73 0.99722697 1,232,907.70

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 165,409,000.00 1000.00000000 1.01377954 2.04792665 0.00000000 1-A-R 50.00 1000.00000000 331.20000000 668.80000000 0.00000000 1-A-LR 50.00 1000.00000000 331.20000000 668.80000000 0.00000000 2-A-1 93,876,000.00 1000.00000000 1.00671354 0.11024042 0.00000000 CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 3,786,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 3-A-2 28,301,000.00 1000.00000000 1.59319459 0.12210523 0.00000000 3-A-3 2,318,000.00 1000.00000000 0.00000000 0.00000000 (5.00000000) 3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 4-A-1 115,510,000.00 1000.00000000 3.69256506 0.83836006 0.00000000 4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 15,171,278.00 1000.00000000 1.07146214 0.47895108 0.00000000 15-PO 3,012,942.00 1000.00000000 3.85281894 0.50503793 0.00000000 4-B-1 1,576,000.00 1000.00000000 3.69256345 0.00000000 0.00000000 4-B-2 242,000.00 1000.00000000 3.69256198 0.00000000 0.00000000 4-B-3 364,000.00 1000.00000000 3.69255495 0.00000000 0.00000000 4-B-4 182,000.00 1000.00000000 3.69258242 0.00000000 0.00000000 4-B-5 121,000.00 1000.00000000 3.69256198 0.00000000 0.00000000 4-B-6 182,087.00 1000.00000000 3.69257553 0.00000000 0.00000000 30-B-1 5,984,000.00 1000.00000000 1.00976270 0.00000000 0.00000000 30-B-2 2,911,000.00 1000.00000000 1.00976297 0.00000000 0.00000000 30-B-3 1,617,000.00 1000.00000000 1.00976500 0.00000000 0.00000000 30-B-4 1,617,000.00 1000.00000000 1.00976500 0.00000000 0.00000000 30-B-5 1,132,000.00 1000.00000000 1.00976148 0.00000000 0.00000000 30-B-6 1,293,698.43 1000.00000000 1.00976392 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-A-1 0.00000000 3.06170619 996.93829381 0.99693829 3.06170619 1-A-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 1-A-LR 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 2-A-1 0.00000000 1.11695396 998.88304604 0.99888305 1.11695396 CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 3-A-2 0.00000000 1.71529981 998.28470019 0.99828470 1.71529981 3-A-3 0.00000000 (5.00000000) 1,005.00000000 1.00500000 (5.00000000) 3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 4-A-1 0.00000000 4.53092511 995.46907489 0.99546907 4.53092511 4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 0.00000000 1.55041322 998.44958678 0.99844959 1.55041322 15-PO 0.00000000 4.35785687 995.64214313 0.99564214 4.35785687 4-B-1 0.00000000 3.69256345 996.30743655 0.99630744 3.69256345 4-B-2 0.00000000 3.69256198 996.30743802 0.99630744 3.69256198 4-B-3 0.00000000 3.69255495 996.30744505 0.99630745 3.69255495 4-B-4 0.00000000 3.69258242 996.30741758 0.99630742 3.69258242 4-B-5 0.00000000 3.69256198 996.30743802 0.99630744 3.69256198 4-B-6 0.00000000 3.69257553 996.30742447 0.99630742 3.69257553 30-B-1 0.00000000 1.00976270 998.99023730 0.99899024 1.00976270 30-B-2 0.00000000 1.00976297 998.99023703 0.99899024 1.00976297 30-B-3 0.00000000 1.00976500 998.99023500 0.99899024 1.00976500 30-B-4 0.00000000 1.00976500 998.99023500 0.99899024 1.00976500 30-B-5 0.00000000 1.00976148 998.99023852 0.99899024 1.00976148 30-B-6 0.00000000 1.00976392 998.99023608 0.99899024 1.00976392 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall 1-A-1 165,409,000.00 6.00000% 165,409,000.00 827,045.00 0.00 0.00 1-A-R 50.00 6.00000% 50.00 0.25 0.00 0.00 1-A-LR 50.00 6.00000% 50.00 0.25 0.00 0.00 2-A-1 93,876,000.00 6.00000% 93,876,000.00 469,380.00 0.00 0.00 CB-IO 0.00 6.00000% 1,018,401.82 5,092.01 0.00 0.00 3-A-1 3,786,000.00 6.00000% 3,786,000.00 18,930.00 0.00 0.00 3-A-2 28,301,000.00 6.00000% 28,301,000.00 141,505.00 0.00 0.00 3-A-3 2,318,000.00 6.00000% 2,318,000.00 11,590.00 0.00 0.00 3-IO 0.00 6.00000% 212,207.70 1,061.04 0.00 0.00 4-A-1 115,510,000.00 5.00000% 115,510,000.00 481,291.67 0.00 0.00 4-IO 0.00 5.00000% 4,121,479.18 17,172.83 0.00 0.00 X-PO 15,171,278.00 0.00000% 15,171,278.00 0.00 0.00 0.00 15-PO 3,012,942.00 0.00000% 3,012,942.00 0.00 0.00 0.00 4-B-1 1,576,000.00 5.00000% 1,576,000.00 6,566.67 0.00 0.00 4-B-2 242,000.00 5.00000% 242,000.00 1,008.33 0.00 0.00 4-B-3 364,000.00 5.00000% 364,000.00 1,516.67 0.00 0.00 4-B-4 182,000.00 5.00000% 182,000.00 758.33 0.00 0.00 4-B-5 121,000.00 5.00000% 121,000.00 504.17 0.00 0.00 4-B-6 182,087.00 5.00000% 182,087.00 758.70 0.00 0.00 30-B-1 5,984,000.00 6.00000% 5,984,000.00 29,920.00 0.00 0.00 30-B-2 2,911,000.00 6.00000% 2,911,000.00 14,555.00 0.00 0.00 30-B-3 1,617,000.00 6.00000% 1,617,000.00 8,085.00 0.00 0.00 30-B-4 1,617,000.00 6.00000% 1,617,000.00 8,085.00 0.00 0.00 30-B-5 1,132,000.00 6.00000% 1,132,000.00 5,660.00 0.00 0.00 30-B-6 1,293,698.43 6.00000% 1,293,698.43 6,468.49 0.00 0.00 Totals 444,606,105.43 2,056,954.41 0.00 0.00

Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-A-1 0.00 0.00 827,045.00 0.00 164,902,566.24 1-A-R 0.00 0.00 0.85 0.00 0.00 1-A-LR 0.00 0.00 0.25 0.00 0.00 2-A-1 0.00 0.00 469,380.00 0.00 93,771,144.83 CB-IO 0.00 0.00 5,092.01 0.00 1,013,859.61 3-A-1 0.00 0.00 18,930.00 0.00 3,786,000.00 3-A-2 0.00 0.00 141,505.00 0.00 28,252,455.30 3-A-3 0.00 0.00 11,590.00 0.00 2,329,590.00 3-IO 0.00 0.00 1,061.04 0.00 212,005.79 4-A-1 0.00 0.00 481,291.67 0.00 114,986,632.84 4-IO 0.00 0.00 17,172.83 0.00 4,104,406.24 X-PO 0.00 0.00 0.00 0.00 15,147,756.25 15-PO 0.00 0.00 0.00 0.00 2,999,812.03 4-B-1 0.00 0.00 6,566.67 0.00 1,570,180.52 4-B-2 0.00 0.00 1,008.33 0.00 241,106.40 4-B-3 0.00 0.00 1,516.67 0.00 362,655.91 4-B-4 0.00 0.00 758.33 0.00 181,327.95 4-B-5 0.00 0.00 504.17 0.00 120,553.20 4-B-6 0.00 0.00 758.70 0.00 181,414.63 30-B-1 0.00 0.00 29,920.00 0.00 5,977,957.58 30-B-2 0.00 0.00 14,555.00 0.00 2,908,060.58 30-B-3 0.00 0.00 8,085.00 0.00 1,615,367.21 30-B-4 0.00 0.00 8,085.00 0.00 1,615,367.21 30-B-5 0.00 0.00 5,660.00 0.00 1,130,856.95 30-B-6 0.00 0.00 6,468.49 0.00 1,292,392.10 Totals 0.00 0.00 2,056,955.01 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall 1-A-1 165,409,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 1-A-R 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 1-A-LR 50.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 2-A-1 93,876,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 CB-IO 0.00 6.00000% 1000.00000000 5.00000088 0.00000000 0.00000000 3-A-1 3,786,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 3-A-2 28,301,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 3-A-3 2,318,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 3-IO 0.00 6.00000% 1000.00000000 5.00000707 0.00000000 0.00000000 4-A-1 115,510,000.00 5.00000% 1000.00000000 4.16666670 0.00000000 0.00000000 4-IO 0.00 5.00000% 1000.00000000 4.16666669 0.00000000 0.00000000 X-PO 15,171,278.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 15-PO 3,012,942.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 4-B-1 1,576,000.00 5.00000% 1000.00000000 4.16666878 0.00000000 0.00000000 4-B-2 242,000.00 5.00000% 1000.00000000 4.16665289 0.00000000 0.00000000 4-B-3 364,000.00 5.00000% 1000.00000000 4.16667582 0.00000000 0.00000000 4-B-4 182,000.00 5.00000% 1000.00000000 4.16664835 0.00000000 0.00000000 4-B-5 121,000.00 5.00000% 1000.00000000 4.16669421 0.00000000 0.00000000 4-B-6 182,087.00 5.00000% 1000.00000000 4.16668955 0.00000000 0.00000000 30-B-1 5,984,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-2 2,911,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-3 1,617,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-4 1,617,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-5 1,132,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000 30-B-6 1,293,698.43 6.00000% 1000.00000000 4.99999834 0.00000000 0.00000000 (5) All Classes are per $1,000 denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-A-1 0.00000000 0.00000000 5.00000000 0.00000000 996.93829381 1-A-R 0.00000000 0.00000000 17.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 5.00000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 5.00000000 0.00000000 998.88304604 CB-IO 0.00000000 0.00000000 5.00000088 0.00000000 995.53986461 3-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000 3-A-2 0.00000000 0.00000000 5.00000000 0.00000000 998.28470019 3-A-3 0.00000000 0.00000000 5.00000000 0.00000000 1005.00000000 3-IO 0.00000000 0.00000000 5.00000707 0.00000000 999.04852651 4-A-1 0.00000000 0.00000000 4.16666670 0.00000000 995.46907489 4-IO 0.00000000 0.00000000 4.16666669 0.00000000 995.85756976 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 998.44958678 15-PO 0.00000000 0.00000000 0.00000000 0.00000000 995.64214313 4-B-1 0.00000000 0.00000000 4.16666878 0.00000000 996.30743655 4-B-2 0.00000000 0.00000000 4.16665289 0.00000000 996.30743802 4-B-3 0.00000000 0.00000000 4.16667582 0.00000000 996.30744505 4-B-4 0.00000000 0.00000000 4.16664835 0.00000000 996.30741758 4-B-5 0.00000000 0.00000000 4.16669421 0.00000000 996.30743802 4-B-6 0.00000000 0.00000000 4.16668955 0.00000000 996.30742447 30-B-1 0.00000000 0.00000000 5.00000000 0.00000000 998.99023730 30-B-2 0.00000000 0.00000000 5.00000000 0.00000000 998.99023703 30-B-3 0.00000000 0.00000000 5.00000000 0.00000000 998.99023500 30-B-4 0.00000000 0.00000000 5.00000000 0.00000000 998.99023500 30-B-5 0.00000000 0.00000000 5.00000000 0.00000000 998.99023852 30-B-6 0.00000000 0.00000000 4.99999834 0.00000000 998.99023608 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Certificateholder Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage 1-IO 6.00000% 621,508.73 617,348.63 0.00 0.00 99.33064496% 2-IO 6.00000% 396,893.09 396,510.98 0.00 0.00 99.90372470% 1-PO 0.00000% 0.00 0.00 9,322,978.00 9,306,350.09 99.82164594% 2-PO 0.00000% 0.00 0.00 4,085,577.00 4,080,700.51 99.88064134% 3-PO 0.00000% 0.00 0.00 1,752,723.00 1,750,749.23 99.88738837% 4-PO 0.00000% 0.00 0.00 10,000.00 9,956.42 99.56420000%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 3,384,527.20 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 3,384,527.20 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 94,664.49 Payment of Interest and Principal 3,289,862.71 Total Withdrawals (Pool Distribution Amount) 3,384,527.20 Ending Balance 0.00

PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00

SERVICING FEES Gross Servicing Fee 92,626.73 Trustee Fee - Wells Fargo Bank, N.A. 2,037.76 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 94,664.49

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 1 0 0 0 1 164,000.00 0.00 0.00 0.00 164,000.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 164,000.00 0.00 0.00 0.00 164,000.00 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.032041% 0.000000% 0.000000% 0.000000% 0.032041% 0.036938% 0.000000% 0.000000% 0.000000% 0.036938% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.032041% 0.000000% 0.000000% 0.000000% 0.032041% 0.036938% 0.000000% 0.000000% 0.000000% 0.036938%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 1 0 0 0 1 164,000.00 0.00 0.00 0.00 164,000.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 164,000.00 0.00 0.00 0.00 164,000.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.152905% 0.000000% 0.000000% 0.000000% 0.152905% 0.159942% 0.000000% 0.000000% 0.000000% 0.159942% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.152905% 0.000000% 0.000000% 0.000000% 0.152905% 0.159942% 0.000000% 0.000000% 0.000000% 0.159942% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 4 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 936.00

COLLATERAL STATEMENT Collateral Description Fixed Weighted Average Gross Coupon 5.807259% Weighted Average Net Coupon 5.557257% Weighted Average Pass-Through Rate 5.551757% Weighted Average Maturity(Stepdown Calculation ) 357 Beginning Scheduled Collateral Loan Count 3,123 Number Of Loans Paid In Full 2 Ending Scheduled Collateral Loan Count 3,121 Beginning Scheduled Collateral Balance 444,606,105.43 Ending Scheduled Collateral Balance 443,373,198.00 Ending Actual Collateral Balance at 30-Jun-2004 443,986,407.14 Monthly P &I Constant 2,927,107.82 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 775,488.80 Unscheduled Principal 457,418.89

Group Level Collateral Statement Group 1 2 3 Collateral Description Fixed 30 Year Fixed 30 Year Fixed 30 Year Weighted Average Coupon Rate 5.970154 6.039744 6.011376 Weighted Average Net Rate 5.720154 5.789744 5.761376 Weighted Average Maturity 357 357 358 Beginning Loan Count 1,371 654 79 Loans Paid In Full 2 0 0 Ending Loan Count 1,369 654 79 Beginning Scheduled Balance 182,966,029.89 102,577,879.32 37,862,167.22 Ending scheduled Balance 182,434,519.17 102,463,500.36 37,821,538.31 Record Date 06/30/2004 06/30/2004 06/30/2004 Principal And Interest Constant 1,096,279.77 619,892.04 227,529.59 Scheduled Principal 186,000.27 103,605.28 37,859.82 Unscheduled Principal 345,510.45 10,773.68 2,769.09 Scheduled Interest 910,279.50 516,286.76 189,669.77 Servicing Fees 38,117.93 21,370.38 7,887.96 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 838.59 470.16 173.52 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 871,322.98 494,446.22 181,608.29 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 5.714654 5.784244 5.755876

Group Level Collateral Statement Group 4 Total Collateral Description Fixed 30 Year Fixed Weighted Average Coupon Rate 5.300820 5.807259 Weighted Average Net Rate 5.050820 5.557257 Weighted Average Maturity 178 357 Beginning Loan Count 1,019 3,123 Loans Paid In Full 0 2 Ending Loan Count 1,019 3,121 Beginning Scheduled Balance 121,200,029.26 444,606,105.69 Ending scheduled Balance 120,653,640.16 443,373,198.00 Record Date 06/30/2004 06/30/2004 Principal And Interest Constant 983,406.42 2,927,107.82 Scheduled Principal 448,023.43 775,488.80 Unscheduled Principal 98,365.67 457,418.89 Scheduled Interest 535,382.99 2,151,619.02 Servicing Fees 25,250.01 92,626.28 Master Servicing Fees 0.00 0.00 Trustee Fee 555.49 2,037.76 FRY Amount 0.00 0.00 Special Hazard Fee 0.00 0.00 Other Fee 0.00 0.00 Pool Insurance Fee 0.00 0.00 Spread Fee 1 0.00 0.00 Spread Fee 2 0.00 0.00 Spread Fee 3 0.00 0.00 Net Interest 509,577.49 2,056,954.98 Realized Loss Amount 0.00 0.00 Cumulative Realized Loss 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 Prepayment Penalties 0.00 0.00 Special Servicing Fee 0.00 0.00 Pass-Through Rate 5.045320 5.551757

Miscellaneous Reporting Group 1 CPR 2.244933% Subordinate Percenatge 4.741884% Subordinate Prepayment Percentage 0.000000% Senior Prepayment Percentage 100.000000% Senior Percentage 95.258116% Group 2 CPR 0.126090% Subordinate Percenatge 4.686978% Subordinate Prepayment Percentage 0.000000% Senior Prepayment Percentage 100.000000% Senior Percentage 95.313022% Group 3 CPR 0.087816% Subordinate Percenatge 4.720215% Subordinate Prepayment Percentage 0.000000% Senior Prepayment Percentage 100.000000% Senior Percentage 95.279785%

Miscellaneous Reporting Group 4 CPR 0.973163% Subordinate Percenatge 2.256856% Subordinate Prepayment Percentage 0.000000% Senior Prepayment Percentage 100.000000% Senior Percentage 97.743144%

Filing Compare · Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-6