8-K 1 bam0400c_dec.txt DEC. 8-K UNITED STATES 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 (Date of earliest event reported): December 27, 2004 BANC OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2004-C Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-105940-28 Pooling and Servicing Agreement) (Commission 54-2147335 (State or other File Number) 54-2147336 jurisdiction IRS EIN of Incorporation) 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 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On December 27, 2004 a distribution was made to holders of BANC OF AMERICA MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2004-C Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-C Trust, relating to the December 27, 2004 distribution. 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. Mortgage Pass-Through Certificates, Series 2004-C Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/29/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-C Trust, relating to the December 27, 2004 distribution. EX-99.1

Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Record Date: 811/3130/~~2004~~04 Distribution Date: 912/27/~~2004~~04 ~~BAM~~Banc of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates Series: 2004-C 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 05948X5P2 SEN 3.~~41755~~40520% 5749,~~297~~015,~~587~~178.3028 ~~163~~139,~~181~~088.3564 ~~695~~1,~~413~~271,013.5301 1-AR 05948X5Q0 SEN 3.~~44970~~45040% 0.00 0.00 0.00 1-A-LR 05948X5R8 SEN 3.~~44970~~45040% 0.00 0.1312 0.00 2-A-1 05948X5S6 SEN 3.~~74140~~73712% ~~408~~394,~~294~~940,~~331~~235.0954 1,~~272~~229,~~993~~949.3578 56,~~336~~231,~~219~~309.0018 2-A-2 05948X5T4 SEN 4.~~05440~~05012% ~~142~~138,~~742~~074,~~776~~083.2072 ~~482~~466,~~280~~014.1504 12,~~865~~178,~~582~~512.3967 3-A-1 05948X5U1 SEN 4.~~25941~~26262% 26,~~839~~343,~~767~~001.3248 9593,~~267~~575.9819 ~~369~~41,~~410~~615.7943 B-1 05948X5V9 SUB 3.~~79912~~79441% 9,~~429~~412,~~334~~485.0618 29,~~852~~762.6738 5,~~564~~675.2804 B-2 05948X5W7 SUB 3.~~79912~~79441% 4,~~351~~343,~~693~~917.5165 13,~~777~~735.1951 2,~~567~~619.9506 B-3 05948X5X5 SUB 3.~~79912~~79441% 1,~~813~~810,~~870~~629.4229 5,~~742~~725.6023 1,~~070~~091.3768 B-4 05948X6B2 SUB 3.~~79912~~79441% 1,~~812~~809,~~873~~633.2489 5,~~739~~722.4408 1,~~069~~091.7808 B-5 05948X6C0 SUB 3.~~79912~~79441% 1,~~449~~447,~~899~~308.7295 4,~~590~~576.2941 ~~855~~872.5962 B-6 05948X6D8 SUB 3.~~79912~~79441% 1,~~088~~086,~~823~~878.8326 3,~~447~~436.1572 ~~642~~655.5231 1-IO 05948X6E6 SEN 0.53000% 0.00 2622,~~186~~524.1102 0.00 2-IO 05948X5Z0 SEN 0.46792% 0.00 ~~221~~214,~~564~~527.4558 0.00 3-IO 05948X6A4 SEN 0.80700% 0.00 18,~~574~~237.0195 0.00 SES 05948X5Y3 SEN 0.00000% 0.00 ~~116~~111,~~737~~662.9276 0.00 Totals ~~655~~628,~~120~~283,~~956~~352.6924 2,~~459~~358,~~934~~538.7941 89,~~278~~734,~~396~~455.2008

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 5647,~~602~~744,~~173~~165.7827 ~~858~~1,~~594~~410,101.8865 0.00 1-AR 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.1312 0.00 2-A-1 0.00 ~~402~~388,~~958~~708,~~112~~926.0936 67,~~609~~461,~~212~~258.3596 0.00 2-A-2 0.00 ~~140~~135,~~877~~895,~~193~~571.8106 2,~~347~~644,~~862~~526.5471 0.00 3-A-1 0.00 26,~~470~~301,~~356~~386.5304 ~~464~~135,~~678~~190.7762 0.00 B-1 0.00 9,~~423~~406,~~769~~810.7814 35,~~416~~437.9542 0.00 B-2 0.00 4,~~349~~341,~~125~~298.5659 16,~~345~~354.1457 0.00 B-3 0.00 1,~~812~~809,~~800~~537.0461 6,~~812~~816.9791 0.00 B-4 0.00 1,~~811~~808,~~803~~542.4581 6,~~809~~813.2216 0.00 B-5 0.00 1,~~449~~446,~~044~~436.1333 5,~~445~~449.8803 0.00 B-6 0.00 1,~~088~~086,~~181~~222.3195 4,~~089~~092.6703 0.00 1-IO 0.00 0.00 2622,~~186~~524.1102 0.00 2-IO 0.00 0.00 ~~221~~214,~~564~~527.4558 0.00 3-IO 0.00 0.00 18,~~574~~237.0195 0.00 SES 0.00 0.00 ~~116~~111,~~737~~662.9276 0.00 Totals 0.00 ~~646~~618,~~842~~548,~~560~~897.4816 1012,~~738~~092,~~330~~993.9949 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 70,907,000.00 5749,~~297~~015,~~587~~178.3028 8476,~~666~~748.1554 ~~610~~1,~~747~~194,264.3847 0.00 0.00 1-AR 50.00 0.00 0.00 0.00 0.00 0.00 1-A-LR 50.00 0.00 0.00 0.00 0.00 0.00 2-A-1 451,000,000.00 ~~408~~394,~~294~~940,~~331~~235.0954 ~~186~~181,~~627~~909.4744 56,~~149~~049,~~591~~399.5374 0.00 0.00 2-A-2 157,673,000.00 ~~142~~138,~~742~~074,~~776~~083.2072 6563,~~246~~596.3791 12,~~800~~114,~~336~~915.0276 0.00 0.00 3-A-1 27,733,000.00 26,~~839~~343,~~767~~001.3248 33,~~629~~932.9009 ~~335~~7,~~780~~683.8934 0.00 0.00 B-1 9,456,000.00 9,~~429~~412,~~334~~485.0618 5,~~564~~675.2804 0.00 0.00 0.00 B-2 4,364,000.00 4,~~351~~343,~~693~~917.5165 2,~~567~~619.9506 0.00 0.00 0.00 B-3 1,819,000.00 1,~~813~~810,~~870~~629.4229 1,~~070~~091.3768 0.00 0.00 0.00 B-4 1,818,000.00 1,~~812~~809,~~873~~633.2489 1,~~069~~091.7808 0.00 0.00 0.00 B-5 1,454,000.00 1,~~449~~447,~~899~~308.7295 ~~855~~872.5962 0.00 0.00 0.00 B-6 1,091,903.00 1,~~088~~086,~~823~~878.8326 ~~642~~655.5231 0.00 0.00 0.00 1-IO 0.00 0.00 0.00 0.00 0.00 0.00 2-IO 0.00 0.00 0.00 0.00 0.00 0.00 3-IO 0.00 0.00 0.00 0.00 0.00 0.00 SES 0.00 0.00 0.00 0.00 0.00 0.00 Totals 727,316,003.00 ~~655~~628,~~120~~283,~~956~~352.6924 ~~381~~368,~~940~~191.3877 79,~~896~~366,~~455~~263.8231 0.00 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 ~~695~~1,~~413~~271,013.5301 5647,~~602~~744,~~173~~165.7827 0.~~79825932~~67333501 ~~695~~1,~~413~~271,013.5301 1-AR 0.00 0.00 0.00000000 0.00 1-A-LR 0.00 0.00 0.00000000 0.00 2-A-1 56,~~336~~231,~~219~~309.0018 ~~402~~388,~~958~~708,~~112~~926.0936 0.~~89347697~~86188232 56,~~336~~231,~~219~~309.0018 2-A-2 12,~~865~~178,~~582~~512.3967 ~~140~~135,~~877~~895,~~193~~571.8106 0.~~89347697~~86188232 12,~~865~~178,~~582~~512.3967 3-A-1 ~~369~~41,~~410~~615.7943 26,~~470~~301,~~356~~386.5304 0.~~95447144~~94837868 ~~369~~41,~~410~~615.7943 B-1 5,~~564~~675.2804 9,~~423~~406,~~769~~810.7814 0.~~99659156~~99479803 5,~~564~~675.2804 B-2 2,~~567~~619.9506 4,~~349~~341,~~125~~298.5659 0.~~99659156~~99479803 2,~~567~~619.9506 B-3 1,~~070~~091.3768 1,~~812~~809,~~800~~537.0461 0.~~99659156~~99479803 1,~~070~~091.3768 B-4 1,~~069~~091.7808 1,~~811~~808,~~803~~542.4581 0.~~99659156~~99479803 1,~~069~~091.7808 B-5 ~~855~~872.5962 1,~~449~~446,~~044~~436.1333 0.~~99659156~~99479803 ~~855~~872.5962 B-6 ~~642~~655.5231 1,~~088~~086,~~181~~222.3195 0.~~99659156~~99479803 ~~642~~655.5231 1-IO 0.00 0.00 0.00000000 0.00 2-IO 0.00 0.00 0.00000000 0.00 3-IO 0.00 0.00 0.00000000 0.00 SES 0.00 0.00 0.00000000 0.00 Totals 89,~~278~~734,~~396~~455.2008 ~~646~~618,~~842~~548,~~560~~897.4816 0.~~88935560~~85045413 89,~~278~~734,~~396~~455.2008

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 70,907,000.00 ~~808~~691.~~06672543~~26007700 1.~~19404502~~08238312 816.~~61335806~~84268789 0.00000000 1-AR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 451,000,000.00 ~~905~~875.~~30893812~~69897016 0.~~41380814~~40334687 1113.~~41816304~~41330319 0.00000000 2-A-2 157,673,000.00 ~~905~~875.~~30893812~~69897015 0.~~41380813~~40334686 1113.~~41816303~~41330323 0.00000000 3-A-1 27,733,000.00 ~~967~~949.~~79170375~~87925864 1.~~21263116~~22352757 120.~~10762954~~27704684 0.00000000 B-1 9,456,000.00 ~~997~~995.~~17999788~~39817893 0.~~58843909~~60015228 0.00000000 0.00000000 B-2 4,364,000.00 ~~997~~995.~~17999771~~39817828 0.~~58843951~~60015124 0.00000000 0.00000000 B-3 1,819,000.00 ~~997~~995.~~18000000~~39818032 0.~~58843870~~60015393 0.00000000 0.00000000 B-4 1,818,000.00 ~~997~~995.~~18000000~~39817932 0.~~58843784~~60015402 0.00000000 0.00000000 B-5 1,454,000.00 ~~997~~995.~~18000000~~39817744 0.~~58843879~~60015131 0.00000000 0.00000000 B-6 1,091,903.00 ~~997~~995.~~17999676~~39818097 0.~~58844055~~60015404 0.00000000 0.00000000 1-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 2-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 SES 0.00 0.00000000 0.00000000 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 917.~~80740308~~92507101 ~~798~~673.~~25932249~~33500599 0.~~79825932~~67333501 917.~~80740308~~92507101 1-AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 0.00000000 1113.~~83197118~~81665007 ~~893~~861.~~47696694~~88232009 0.~~89347697~~86188232 1113.~~83197118~~81665007 2-A-2 0.00000000 1113.~~83197117~~81665009 ~~893~~861.~~47696695~~88232012 0.~~89347697~~86188232 1113.~~83197117~~81665009 3-A-1 0.00000000 131.~~32026070~~50057441 ~~954~~948.~~47144305~~37868388 0.~~95447144~~94837868 131.~~32026070~~50057441 B-1 0.00000000 0.~~58843909~~60015228 ~~996~~994.~~59155880~~79802665 0.~~99659156~~99479803 0.~~58843909~~60015228 B-2 0.00000000 0.~~58843951~~60015124 ~~996~~994.~~59155820~~79802704 0.~~99659156~~99479803 0.~~58843951~~60015124 B-3 0.00000000 0.~~58843870~~60015393 ~~996~~994.~~59155580~~79802639 0.~~99659156~~99479803 0.~~58843870~~60015393 B-4 0.00000000 0.~~58843784~~60015402 ~~996~~994.~~59155666~~79802530 0.~~99659156~~99479803 0.~~58843784~~60015402 B-5 0.00000000 0.~~58843879~~60015131 ~~996~~994.~~59156121~~79802613 0.~~99659156~~99479803 0.~~58843879~~60015131 B-6 0.00000000 0.~~58844055~~60015404 ~~996~~994.~~59155621~~79802693 0.~~99659156~~99479803 0.~~58844055~~60015404 1-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 SES 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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 70,907,000.00 3.~~41755~~40520% 5749,~~297~~015,~~587~~178.3028 ~~163~~139,~~181~~088.3563 0.00 0.00 1-AR 50.00 3.~~44970~~45040% 0.00 0.00 0.00 0.00 1-A-LR 50.00 3.~~44970~~45040% 0.00 0.00 0.00 0.00 2-A-1 451,000,000.00 3.~~74140~~73712% ~~408~~394,~~294~~940,~~331~~235.0954 1,~~272~~229,~~993~~949.3676 0.00 0.00 2-A-2 157,673,000.00 4.~~05440~~05012% ~~142~~138,~~742~~074,~~776~~083.2072 ~~482~~466,~~280~~014.1503 0.00 0.00 3-A-1 27,733,000.00 4.~~25941~~26262% 26,~~839~~343,~~767~~001.3248 9593,~~267~~575.9819 0.00 0.00 B-1 9,456,000.00 3.~~79912~~79441% 9,~~429~~412,~~334~~485.0618 29,~~852~~762.6738 0.00 0.00 B-2 4,364,000.00 3.~~79912~~79441% 4,~~351~~343,~~693~~917.5165 13,~~777~~735.1951 0.00 0.00 B-3 1,819,000.00 3.~~79912~~79441% 1,~~813~~810,~~870~~629.4229 5,~~742~~725.6023 0.00 0.00 B-4 1,818,000.00 3.~~79912~~79441% 1,~~812~~809,~~873~~633.2489 5,~~739~~722.4408 0.00 0.00 B-5 1,454,000.00 3.~~79912~~79441% 1,~~449~~447,~~899~~308.7295 4,~~590~~576.2941 0.00 0.00 B-6 1,091,903.00 3.~~79912~~79441% 1,~~088~~086,~~823~~878.8326 3,~~447~~436.1572 0.00 0.00 1-IO 0.00 0.53000% 5950,~~289~~997,~~298~~785.3731 2622,~~186~~524.1102 0.00 0.00 2-IO 0.00 0.46792% ~~568~~550,~~212~~165,~~308~~937.6913 ~~221~~214,~~564~~527.4558 0.00 0.00 3-IO 0.00 0.80700% 27,~~619~~119,~~350~~630.0522 18,~~574~~237.0195 0.00 0.00 SES 0.00 0.00000% ~~655~~628,~~120~~283,~~957~~352.1166 0.00 0.00 0.00 Totals 727,316,003.00 2,~~343~~246,~~196~~875.7549 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 ~~163~~139,~~181~~088.3564 0.00 5647,~~602~~744,~~173~~165.7827 1-AR 0.00 0.00 0.00 0.00 0.00 1-A-LR 0.00 0.00 0.1312 0.00 0.00 2-A-1 (0.0002) 0.00 1,~~272~~229,~~993~~949.3578 0.00 ~~402~~388,~~958~~708,~~112~~926.0936 2-A-2 (0.0001) 0.00 ~~482~~466,~~280~~014.1504 0.00 ~~140~~135,~~877~~895,~~193~~571.8106 3-A-1 0.00 0.00 9593,~~267~~575.9819 0.00 26,~~470~~301,~~356~~386.5304 B-1 0.00 0.00 29,~~852~~762.6738 0.00 9,~~423~~406,~~769~~810.7814 B-2 0.00 0.00 13,~~777~~735.1951 0.00 4,~~349~~341,~~125~~298.5659 B-3 0.00 0.00 5,~~742~~725.6023 0.00 1,~~812~~809,~~800~~537.0461 B-4 0.00 0.00 5,~~739~~722.4408 0.00 1,~~811~~808,~~803~~542.4581 B-5 0.00 0.00 4,~~590~~576.2941 0.00 1,~~449~~446,~~044~~436.1333 B-6 0.00 0.00 3,~~447~~436.1572 0.00 1,~~088~~086,~~181~~222.3195 1-IO 0.00 0.00 2622,~~186~~524.1102 0.00 5849,~~590~~723,~~941~~667.7891 2-IO 0.00 0.00 ~~221~~214,~~564~~527.4558 0.00 ~~561~~541,~~002~~748,~~656~~215.6825 3-IO 0.00 0.00 18,~~574~~237.0195 0.00 27,~~248~~077,~~962~~014.4542 SES 0.00 0.00 ~~116~~111,~~737~~662.9276 0.00 ~~646~~618,~~842~~548,~~560~~897.9158 Totals (0.0003) 0.00 2,~~459~~358,~~934~~538.7941 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 70,907,000.00 3.~~41755~~40520% ~~808~~691.~~06672543~~26007700 21.~~30134331~~96156416 0.00000000 0.00000000 1-AR 50.00 3.~~44970~~45040% 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 50.00 3.~~44970~~45040% 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 451,000,000.00 3.~~74140~~73712% ~~905~~875.~~30893812~~69897016 2.~~82260169~~72716133 0.00000000 0.00000000 2-A-2 157,673,000.00 4.~~05440~~05012% ~~905~~875.~~30893812~~69897015 32.~~05873644~~95557280 0.00000000 0.00000000 3-A-1 27,733,000.00 4.~~25941~~26262% ~~967~~949.~~79170375~~87925864 3.~~43518480~~37414596 0.00000000 0.00000000 B-1 9,456,000.00 3.~~79912~~79441% ~~997~~995.~~17999788~~39817893 3.~~15700825~~14745981 0.00000000 0.00000000 B-2 4,364,000.00 3.~~79912~~79441% ~~997~~995.~~17999771~~39817828 3.~~15700962~~14745875 0.00000000 0.00000000 B-3 1,819,000.00 3.~~79912~~79441% ~~997~~995.~~18000000~~39818032 3.~~15700935~~14746014 0.00000000 0.00000000 B-4 1,818,000.00 3.~~79912~~79441% ~~997~~995.~~18000000~~39817932 3.~~15700770~~14745875 0.00000000 0.00000000 B-5 1,454,000.00 3.~~79912~~79441% ~~997~~995.~~18000000~~39817744 3.~~15700825~~14746217 0.00000000 0.00000000 B-6 1,091,903.00 3.~~79912~~79441% ~~997~~995.~~17999676~~39818097 3.~~15701120~~14745907 0.00000000 0.00000000 1-IO 0.00 0.53000% ~~813~~699.~~14923112~~43161842 0.~~35914095~~30891561 0.00000000 0.00000000 2-IO 0.00 0.46792% ~~907~~879.~~85353472~~02018853 0.~~35400160~~34275854 0.00000000 0.00000000 3-IO 0.00 0.80700% ~~968~~950.~~50933985~~98599764 0.~~65132243~~63953804 0.00000000 0.00000000 SES 0.00 0.00000% ~~900~~863.~~73771788~~83820746 0.00000000 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 21.~~30134331~~96156430 0.00000000 ~~798~~673.~~25932249~~33500599 1-AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 2.~~60000000~~40000000 0.00000000 0.00000000 2-A-1 (0.~~00000000~~00000004) 0.00000000 2.~~82260166~~72716137 0.00000000 ~~893~~861.~~47696694~~88232009 2-A-2 (0.~~00000000~~00000006) 0.00000000 32.~~05873644~~95557286 0.00000000 ~~893~~861.~~47696695~~88232012 3-A-1 0.00000000 0.00000000 3.~~43518480~~37414596 0.00000000 ~~954~~948.~~47144305~~37868388 B-1 0.00000000 0.00000000 3.~~15700825~~14745981 0.00000000 ~~996~~994.~~59155880~~79802665 B-2 0.00000000 0.00000000 3.~~15700962~~14745875 0.00000000 ~~996~~994.~~59155820~~79802704 B-3 0.00000000 0.00000000 3.~~15700935~~14746014 0.00000000 ~~996~~994.~~59155580~~79802639 B-4 0.00000000 0.00000000 3.~~15700770~~14745875 0.00000000 ~~996~~994.~~59155666~~79802530 B-5 0.00000000 0.00000000 3.~~15700825~~14746217 0.00000000 ~~996~~994.~~59156121~~79802613 B-6 0.00000000 0.00000000 3.~~15701120~~14745907 0.00000000 ~~996~~994.~~59155621~~79802693 1-IO 0.00000000 0.00000000 0.~~35914095~~30891561 0.00000000 ~~803~~681.~~57131167~~95717341 2-IO 0.00000000 0.00000000 0.~~35400160~~34275854 0.00000000 ~~896~~865.~~33441069~~57088719 3-IO 0.00000000 0.00000000 0.~~65132243~~63953804 0.00000000 ~~955~~949.~~52120475~~49161778 SES 0.00000000 0.00000000 0.~~16050509~~15352716 0.00000000 ~~889~~850.~~35560040~~45412814 (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-SES 0.00000% 5950,~~289~~997,~~298~~785.3731 5849,~~590~~723,~~941~~667.7891 0.00 0.00 8068.~~35713117~~19571734% 2-SES 0.00000% ~~568~~550,~~212~~165,~~308~~937.6913 ~~561~~541,~~002~~748,~~656~~215.6825 0.00 0.00 8986.~~63344107~~55708872% 3-SES 0.00000% 27,~~619~~119,~~350~~630.0522 27,~~248~~077,~~962~~014.4542 0.00 0.00 9594.~~55212047~~94916178%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 1012,~~759~~121,~~964~~004.4546 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) ~~7,574~~0.0100 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 1012,~~767~~121,~~538~~004.46 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 2928,~~207~~010.4797 Payment of Interest and Principal 1012,~~738~~092,~~330~~993.9949 Total Withdrawals (Pool Distribution Amount) 1012,~~767~~121,~~538~~004.46 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 2726,~~296~~178.7147 Trustee Fee - Wells Fargo Bank, N.A. 1,~~910~~832.7650 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 2928,~~207~~010.4797

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 24 0 0 0 24 1,~~154~~936,~~664~~297.1522 0.00 0.00 0.00 1,~~154~~936,~~664~~297.1522 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 10 0 10 0.00 0.00 ~~580,000~~0.00 0.00 ~~580,000~~0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 01 0 0 0 01 0580,000.00 0.00 0.00 0.00 0580,000.00 Totals 25 0 10 0 35 12,~~154~~516,~~664~~297.1522 0.00 ~~580,000~~0.00 0.00 12,~~734~~516,~~664~~297.1522 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.~~168209~~351494% 0.000000% 0.000000% 0.000000% 0.~~168209~~351494% 0.~~176172~~308040% 0.000000% 0.000000% 0.000000% 0.~~176172~~308040% 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.~~084104~~000000% 0.000000% 0.~~084104~~000000% 0.000000% 0.000000% 0.~~088493~~000000% 0.000000% 0.~~088493~~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~~087873% 0.000000% 0.000000% 0.000000% 0.~~000000~~087873% 0.~~000000~~092270% 0.000000% 0.000000% 0.000000% 0.~~000000~~092270% Totals 0.~~168209~~439367% 0.000000% 0.~~084104~~000000% 0.000000% 0.~~252313~~439367% 0.~~176172~~400310% 0.000000% 0.~~088493~~000000% 0.000000% 0.~~264666~~400310%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1- 3/1 ARM 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- 5/1 ARM 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 24 0 0 0 24 1,~~154~~936,~~664~~297.1522 0.00 0.00 0.00 1,~~154~~936,~~664~~297.1522 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 10 0 10 0.00 0.00 ~~580,000~~0.00 0.00 ~~580,000~~0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 01 0 0 0 01 0580,000.00 0.00 0.00 0.00 0580,000.00 Totals 25 0 10 0 35 12,~~154~~516,~~664~~297.1522 0.00 ~~580,000~~0.00 0.00 12,~~734~~516,~~664~~297.1522 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~196078~~405268% 0.000000% 0.000000% 0.000000% 0.~~196078~~405268% 0.~~203140~~351818% 0.000000% 0.000000% 0.000000% 0.~~203140~~351818% 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.~~098039~~000000% 0.000000% 0.~~098039~~000000% 0.000000% 0.000000% 0.~~102040~~000000% 0.000000% 0.~~102040~~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~~101317% 0.000000% 0.000000% 0.000000% 0.~~000000~~101317% 0.~~000000~~105384% 0.000000% 0.000000% 0.000000% 0.~~000000~~105384% Totals 0.~~196078~~506586% 0.000000% 0.~~098039~~000000% 0.000000% 0.~~294118~~506586% 0.~~203140~~457201% 0.000000% 0.~~102040~~000000% 0.000000% 0.~~305180~~457201% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3- 7/1 ARM 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 710,~~574~~446.0167

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~556899~~555103% Weighted Average Net Coupon 4.~~295586~~305103% Weighted Average Pass-Through Rate 4.~~292086~~291457% Weighted Average Maturity(Stepdown Calculation ) ~~351~~348 Beginning Scheduled Collateral Loan Count 1,~~202~~155 Number Of Loans Paid In Full 1317 Ending Scheduled Collateral Loan Count 1,~~189~~138 Beginning Scheduled Collateral Balance ~~655~~628,~~120~~283,~~957~~352.1166 Ending Scheduled Collateral Balance ~~646~~618,~~842~~548,~~560~~897.9158 Ending Actual Collateral Balance at 3130-~~Aug~~Nov-2004 ~~655~~628,~~416~~586,~~975~~785.9860 Monthly P &I Constant 2,~~869~~753,~~707~~104.5352 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~646~~618,~~842~~548,~~560~~897.9158 Scheduled Principal ~~381~~368,~~940~~191.3877 Unscheduled Principal 79,~~896~~366,~~455~~263.8231

Miscellaneous Reporting Total Senior% 96.~~955296~~830912% Total Subordinate% 3.~~044704~~169088%

Group Level Collateral Statement Group 1- 3/1 ARM 2- 5/1 ARM 3- 7/1 ARM Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~326054~~313697 4.~~543899~~539622 5.~~319910~~323121 Weighted Average Net Rate 4.~~076054~~063698 4.~~293899~~289622 5.~~069910~~073121 Weighted Average Maturity ~~349~~346 ~~353~~350 ~~351~~348 Beginning Loan Count ~~116~~101 1,~~032~~001 5453 Loans Paid In Full 03 1214 10 Ending Loan Count ~~116~~98 ~~1,020~~987 53 Beginning Scheduled Balance 5950,~~289~~997,~~298~~785.3731 ~~568~~550,~~212~~165,~~308~~937.6913 27,~~619~~119,~~350~~630.0522 Ending scheduled Balance 5849,~~590~~723,~~941~~667.7891 ~~561~~541,~~002~~748,~~656~~215.6825 27,~~248~~077,~~962~~014.4542 Record Date 0811/3130/2004 0811/3130/2004 0811/3130/2004 Principal And Interest Constant ~~301~~263,~~349~~177.8211 2,~~411~~334,~~307~~694.2806 ~~157~~155,~~050~~233.4335 Scheduled Principal 8779,~~609~~852.2193 ~~259~~253,~~724~~406.4638 34,~~606~~932.7146 Unscheduled Principal ~~610~~1,~~747~~194,264.3847 68,~~949~~164,~~927~~315.5550 ~~335~~7,~~780~~683.8934 Scheduled Interest ~~213~~183,~~740~~324.6118 2,~~151~~081,~~582~~287.8268 ~~122~~120,~~443~~300.7289 Servicing Fees 1210,~~351~~624.9453 ~~118~~114,~~377~~617.5691 5,~~754~~649.0492 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~172~~148.9375 1,~~657~~604.2865 8079.5510 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 65,~~175~~312.9628 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 ~~195~~167,~~039~~238.7862 21,~~031~~965,~~547~~065.9812 ~~116~~114,~~609~~571.1387 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 3.~~947554~~935197 4.~~290399~~286122 5.~~066410~~069621

Group Level Collateral Statement Group Total Collateral Description Mixed ARM Weighted Average Coupon Rate 4.~~556899~~555103 Weighted Average Net Rate 4.~~295586~~305103 Weighted Average Maturity ~~351~~348 Beginning Loan Count 1,~~202~~155 Loans Paid In Full 1317 Ending Loan Count 1,~~189~~138 Beginning Scheduled Balance ~~655~~628,~~120~~283,~~957~~352.1166 Ending scheduled Balance ~~646~~618,~~842~~548,~~560~~897.9158 Record Date 0811/3130/2004 Principal And Interest Constant 2,~~869~~753,~~707~~104.5352 Scheduled Principal ~~381~~368,~~940~~191.3877 Unscheduled Principal 79,~~896~~366,~~455~~263.8231 Scheduled Interest 2,~~487~~384,~~767~~912.1575 Servicing Fees ~~136~~130,~~483~~892.5436 Master Servicing Fees 0.00 Trustee Fee 1,~~910~~832.7650 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 65,~~175~~312.9628 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 2,~~343~~246,~~196~~875.8961 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 4.~~292086~~291457

Miscellaneous Reporting Group 1- 3/1 ARM CPR 1124.~~700841~~784254% Subordinate% 3.~~359310~~887634% Subordinate Prepayment% 0.000000% Senior% 96.~~640690~~112366% Group 2- 5/1 ARM CPR 1316.~~735113~~430755% Subordinate% 3.~~022673~~117535% Subordinate Prepayment% 0.000000% Senior% 96.~~977327~~882465% Group 3- 7/1 ARM CPR 130.~~667906~~339883% Subordinate% 2.~~822596~~863714% Subordinate Prepayment% 0.000000% Senior% 97.~~177404~~136286%

Filing Compare · BANC OF AMERICA MORT SEC INC MORT PAS THR CERT SERIES 2004 C