Assumption And Recognition Agreement



Assignment, Assumption and Recognition Agreement (the “Agreement”), dated July 31, 2007, is among Bank of America, National Association, a national banking association (“Assignor”), Banc of America Funding Corporation, a Delaware corporation (“BAFC”), U.S. Bank National Association, a national banking association, not in its individual capacity, but solely as trustee of the Banc of America Funding 2007-6 Trust (“Assignee”), Wells Fargo Bank, N.A., a national banking association (“Wells Fargo Bank”), as servicer, and CitiMortgage, Inc. (“CitiMortgage”) as master servicer of the Banc of America Funding 2007-6 Trust.
WHEREAS, pursuant to that certain Flow Servicing Rights Purchase and Sale Agreement, dated as of July 1, 2006 (the “Purchase Agreement”), by and between the Assignor and Wells Fargo Bank, the Assignor has sold, and Wells Fargo Bank has purchased, the servicing rights related to the mortgage loans listed on Exhibit A hereto (the “Mortgage Loans”);
WHEREAS, Wells Fargo Bank has agreed to service the Mortgage Loans listed on Exhibit A hereto in accordance with that certain Servicing Agreement, dated as of July 1, 2006 (the “Servicing Agreement”), by and between the Assignor and Wells Fargo Bank (attached hereto in Appendix I);
WHEREAS, on the date hereof, the Assignor is transferring all of its right, title and interest in and to the Mortgage Loans to BAFC;
WHEREAS, on the date hereof, BAFC is transferring all of its right, title and interest in and to the Mortgage Loans to the Assignee; and
WHEREAS, on the date hereof, CitiMortgage, as a master servicer (in such capacity, the “Master Servicer”) and Citibank, N.A., a national banking association, as securities administrator (in such capacity, the “Securities Administrator”), are entering into a Pooling and Servicing Agreement, dated the date hereof (the “Pooling Agreement”), among BAFC, the Master Servicer, the Securities Administrator and the Assignee, pursuant to which the Master Servicer shall supervise, monitor and oversee the servicing of the Mortgage Loans.
For and in consideration of the sum of one dollar ($1.00) and other valuable consideration the receipt and sufficiency of which are hereby acknowledged, and of the mutual covenants herein contained, the parties hereto hereby agree as follows:
                1.  The Assignor hereby grants, transfers and assigns to BAFC, and BAFC hereby grants, transfers and assigns to Assignee, all of the right, title and interest of the Assignor in, to and under the Servicing Agreement (other than the rights of the Assignor to indemnification thereunder).



The Assignor specifically reserves and does not assign to BAFC or the Assignee any right, title and interest in, to or under any mortgage loan subject to the Servicing Agreement other than the Mortgage Loans.
2.           The Assignor warrants and represents to, and covenants with, BAFC and the Assignee that:
a.           The Assignor is the lawful owner of the Mortgage Loans with the full right to transfer the Mortgage Loans free from any and all claims and encumbrances whatsoever;
b.           The Assignor has not received notice of, and has no knowledge of, any offsets, counterclaims or other defenses available to Wells Fargo Bank with respect to the Purchase Agreement, the Servicing Agreement or the Mortgage Loans;
c.           The Assignor has not waived or agreed to any waiver under, or agreed to any amendment or other modification of, the Purchase Agreement, the Servicing Agreement or the Mortgage Loans, including without limitation the transfer of the servicing obligations under the Servicing Agreement.  The Assignor has no knowledge of, and has not received notice of, any waivers under or amendments or other modifications of, or assignments of rights or obligations under, the Purchase Agreement, the Servicing Agreement or the Mortgage Loans; and
d.           Neither the Assignor nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Mortgage Loans, any interest in the Mortgage Loans or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Mortgage Loans, any interest in the Mortgage Loans or any other similar security from, or otherwise approached or negotiated with respect to the Mortgage Loans, any interest in the Mortgage Loans or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action which would constitute a distribution of the Mortgage Loans under the Securities Act of 1933 (the “33 Act”) or which would render the disposition of the Mortgage Loans a violation of Section 5 of the 33 Act or require registration pursuant thereto.
3.           From and after the date hereof, Wells Fargo Bank shall note the transfer of the Mortgage Loans to the Assignee in its books and records, and Wells Fargo Bank shall recognize the Assignee as the owner of the Mortgage Loans.  Notwithstanding anything to the contrary contained in Section 9.01 of the Servicing Agreement, Wells Fargo Bank shall service the Mortgage Loans pursuant to the Servicing Agreement as modified by Section 7 of this Agreement, for the benefit of the Assignee.  Wells Fargo Bank acknowledges that a REMIC election will be made with respect to the Mortgage Loans and that the Master Servicer, pursuant to the Pooling Agreement, will administer on behalf of the Assignee the terms and conditions of the Servicing Agreement.



4.           Wells Fargo Bank hereby represents and warrants to each of the other parties hereto (i) that the representations and warranties of Wells Fargo Bank in Section 3.01 of the Servicing Agreement are true and correct in all material respects as of the date hereof with the same force and effect as though expressly made at and/or as of the date hereof, (ii) that it has serviced the Mortgage Loans in accordance with the terms of the Servicing Agreement, and (iii) that it has taken no action nor omitted to take any required action the omission of which would have the effect of impairing any mortgage insurance or guarantee on the Mortgage Loans.
5.           In accordance with Sections 2.03 and 9.01 of the Servicing Agreement, the Assignor hereby instructs Wells Fargo Bank, and Wells Fargo Bank hereby agrees, to release from its custody and deliver the Mortgage File (as defined in the Servicing Agreement) for each Mortgage Loan to the Assignee, or a custodian on its behalf under the Pooling Agreement, at the address set forth in Section 8 herein on or before the date hereof.
6.           Wells Fargo Bank hereby agrees that, in connection with each Mortgage Loan of which the related Mortgage has been recorded in the name of MERS or its designee, it shall take all actions as are necessary to cause the Assignee (MERS ID #1001065), as trustee of the Trust pursuant to the Pooling Agreement, to be shown as the owner of such Mortgage Loan on the records of MERS for purposes of the system of recording transfers of beneficial ownership of mortgages maintained by MERS.

7.           Wells Fargo Bank, BAFC and the Assignee hereby agree to the following modifications to the Servicing Agreement:
Article I.  Article I is hereby modified by deleting the definition of “Principal Prepayment Period” and replacing it with the following:
“The calendar month preceding the month in which the related Remittance Date occurs.”
Section 4.03.  Section 4.03 is hereby modified to read as follows:
“Continuously from the respective Cut-off Date until the principal and interest on all Mortgage Loans are paid in full or the Mortgage Loans have been fully liquidated (with respect to Mortgage Loans that remain subject to this Agreement pursuant to Section 9.01 herein), in accordance with this Agreement and Accepted Servicing Practices, the Servicer shall proceed diligently to collect all payments due under each of the Mortgage Loans when the same shall become due and payable and shall take special care in ascertaining and estimating Escrow Payments and all other charges that will become due and payable with respect to the Mortgage Loan and the Mortgaged Property, to the end that the installments payable by the Mortgagors will be sufficient to pay such charges as and when they become due and payable.”



Section 4.10.  Section 4.10 is hereby modified by inserting in the third paragraph after “shall” the words, “use reasonable efforts to” and by deleting the following language: “in accordance with then current Fannie Mae requirements, and secure from the owner’s association its agreement to notify the Servicer promptly of any change in the insurance coverage or of any condemnation or casualty loss that may have a material effect on the value of the Mortgaged Property as security.”

Section 4.10.  Section 4.10 is hereby further modified by deleting the following language from the fourth paragraph:

“and if the Mortgagor does not obtain such coverage, the Servicer shall immediately force place the required coverage on the Mortgagor’s behalf.”
Section 4.13.  Section 4.13 is hereby deleted in its entirety and replaced with the following:
“The Company or its agent shall inspect the Mortgaged Property as often as is reasonably deemed necessary by the Company in accordance with Accepted Servicing Practices or as may be required by the primary mortgage guaranty insurer, to assure itself that the value of the Mortgaged Property is being preserved.  The Company shall keep a record of each such inspection and, upon request, shall provide the Purchaser with an electronic report of each such inspection.”
Section 4.23.  Section 4.23 is hereby modified by adding to the beginning of the paragraph, the following language:
“The extent that the Servicer has serviced the Mortgage Loans for a period of sixty (60) days,”
Section 4.25.  Section 4.25 is hereby deleted in its entirety.
Section 5.01.  Section 5.01 is hereby modified by deleting “the second Business Day following” from the first sentence of the second paragraph.
Section 5.02.  Section 5.02 is hereby modified to read as follows:
“Not later than the fifth (5th) Business Day of each month, the Servicer shall furnish to the Master Servicer a monthly remittance advice, with a trial balance report attached thereto, as to the remittance period ending on the last day of the preceding month containing the information set forth on Exhibit B hereto.”
The exhibit referenced in this Section 7(i) is attached to this Agreement as Exhibit B.



Section 6.02,  Section 6.02 is hereby modified by amending the second paragraph, after “secured by the Mortgage” in the second line, to add the following language:
“(other than as a result of modification of the Mortgage Loan or liquidation of the Mortgaged Property pursuant to the terms of this Agreement)”
Section 6.04.  Section 6.04 is hereby modified by deleting the references to “the Owner or any Master Servicer and Depositor” and replacing them with “the Master Servicer and the Master Servicer shall deliver to the Depositor.”
Section 6.06.  Section 6.06 is hereby modified by:
(1)           deleting the references to “the Owner, any Master Servicer and any Depositor” and replacing them with “the Master Servicer and the Master Servicer shall deliver to the Depositor”; and
(2)           inserting the following at the end of the fifth full paragraph therein:
“Neither the Owner nor any Depositor or Master Servicer will request delivery of a certification under clause (d) above unless a Depositor or Master Servicer is required under the Exchange Act to file an annual report on Form 10-K with respect to an issuing entity whose asset pool includes the Mortgage Loans.”
Section 9.01.  Section 9.01 is hereby modified by:
(1) modifying Section 9.01(g)(iii) to read as follows:
“In addition to such information as the Servicer, as servicer, is obligated to provide pursuant to other provisions of this Agreement, not later than ten (10) days prior to the deadline for the filing of any distribution report on Form 10-D in respect of any Securitization Transaction that includes any of the Mortgage Loans serviced by the Servicer or any Subservicer, the Servicer or such Subservicer, as applicable, shall, to the extent the Servicer or such Subservicer has knowledge, provide to the party responsible for filing such report (including, if applicable, the Master Servicer) notice of the occurrence of any of the following events along with all information, data, and materials related thereto as may be required to be included in the related distribution report on Form 10-D (as specified in the provisions of Regulation AB referenced below):



(A)           any material modifications, extensions or waivers of pool asset terms, fees, penalties or payments during the distribution period or that have cumulatively become material over time (Item 1121(a)(11) of Regulation AB);
(B)           material breaches of pool asset representations or warranties or transaction covenants (Item 1121(a)(12) of Regulation AB); and
(C)           information regarding new asset-backed securities issuances backed by the same pool assets, any pool asset changes (such as, additions, substitutions or repurchases), and any material changes in origination, underwriting or other criteria for acquisition or selection of pool assets (Item 1121(a)(14) of Regulation AB).
(iv)           The Servicer shall provide to the Master Servicer and the Master Servicer shall deliver to the Depositor, evidence of the authorization of the person signing any certification or statement, copies or other evidence of Fidelity Bond Insurance and Errors and Omission Insurance policy, financial information and reports, and such other information related to the Servicer or any Subservicer or the Servicer or such Subservicer’s performance hereunder.”; and
(2)           modifying Section 9.01(k) by deleting the word “Investor” and replacing it with “party designated by the Owner”
Section 10.01.  Section 10.01 is hereby modified by:
(1)           replacing the word “sixty (60)” with “thirty (30)” in Section 10.01(b) and inserting the following thereafter:
“(or, in the case of any failure by the Servicer to perform its obligations under Section 6.04 or Section 6.06, ten (10))”; and
(2)           replacing the word “fifteen (15)” with “ten (10)” in Section 10.01(j).
Exhibit D.
Exhibit D is hereby deleted in its entirety.



8.           The Assignee’s address for purposes of all notices and correspondence related to the Mortgage Loans and the Purchase Agreement and Servicing Agreement is:
U.S. Bank National Association
                209 S. LaSalle Street, Suite 300
                Chicago, Illinois 60604
                Attention: Structured Finance Trust Services, BAFC 2007-6
BAFC’s address for purposes of all notices and correspondence related to the Mortgage Loans is:
Banc of America Funding Corporation
                214 North Tryon Street
                Charlotte, North Carolina 28255
                Attention: General Counsel and Chief Financial Officer
The Master Servicer’s address for purposes of all notices and correspondence related to the Mortgage Loans is:
CitiMortgage, Inc.
                4000 Regent Blvd., 3rd Floor
                Irving, Texas 75063
                Attention: Master Servicing Division
Wells Fargo Bank’s address for purposes of all notices and correspondence related to the Mortgage Loans and the Purchase Agreement and Servicing Agreement is:
Wells Fargo Bank, N.A.
                1 Home Campus
                Des Moines, IA  50328-0001
                Attention :  John B. Brown, MAC X2302-033
                Facsimile:  (515) 324-3118
9.           All remittances by Wells Fargo Bank shall be made to the account or accounts designated by the Master Servicer to Wells Fargo Bank in writing from time to time.  Wire remittances shall initially be sent to the following wire instructions:
Bank Name:                                           CitiBank (West)
                Bank City/State:                                           Glendale, CA
                ABA Number:                                           321171184
                Account Name:                                           CMI MSD Clearing
                Account Number:                                           #070-4913896
10.           Wells Fargo Bank hereby acknowledges that CitiMortgage. has been appointed as the Master Servicer of the Mortgage Loans pursuant to the Pooling Agreement, and therefore has the right to enforce all obligations of Wells Fargo Bank, as they relate to the Mortgage Loans, under the Servicing Agreement.  Such right will



include, without limitation, the right to exercise any and all rights of the Assignor (but not the obligations) under the Servicing Agreement to monitor and enforce the obligations of Wells Fargo Bank thereunder, the right to receive all remittances required to be made by Wells Fargo Bank under the Servicing Agreement, the right to receive all monthly reports and other data required to be delivered by Wells Fargo Bank under the Servicing Agreement, the right to examine the books and records of Wells Fargo Bank, as servicer, indemnification rights, and the right to exercise certain rights of consent and approval relating to actions taken by Wells Fargo Bank, as servicer.  Wells Fargo Bank agrees to provide the Master Servicer with the data outlined in Exhibit B.
11.           Notwithstanding any provision of the Servicing Agreement to the contrary, and solely with respect to the Mortgage Loans, any Prepayment Penalties collected by Wells Fargo Bank shall be remitted to the Master Servicer.
12.           It is expressly understood and agreed by the parties hereto that (i) this Agreement is executed and delivered by U.S. Bank National Association not individually or personally but solely as trustee on behalf of the Trust, in the exercise of the powers and authority conferred and vested in it under the terms of the Pooling Agreement, and (ii) under no circumstances shall U.S. Bank National Association be personally liable for the payment of any indebtedness or expenses of the Trust (including, without limitation, any fees, expenses or indemnities payable under the Purchase Agreement or the Servicing Agreement), or be liable for the breach or failure of any obligation, representation, warranty or covenant of the Trust under this Agreement or any other related documents, as to all of which recourse shall be had solely to the assets of the Trust in accordance with the terms of the Pooling Agreement.



IN WITNESS WHEREOF, the parties have caused this Assignment, Assumption and Recognition Agreement to be executed by their duly authorized officers as of the date first above written.
Bank of America, National Association,
as Assignor


U.S. Bank National Association,
as Assignee

Name:     Melissa A. Rosal
Title:       Vice President

Banc of America Funding Corporation


Wells Fargo Bank, N.A., as servicer

By: ___________________________

CitiMortgage, Inc., as Master Servicer
By:  ___________________________                                                     

[BAFC 2007-6 -- Wells Fargo AAR Agreement]


Schedule of Mortgage Loans
[Please refer to separate Excel file provided on this Closing CD.]





Data Elements File

Servicers post default data on the MSD (master servicing division) website by the fifth (5th) Business Day of each month, using a text file format.  The data consist of dates, amounts and codes housed in the servicer’s default tracking system.

Specific data elements that servicers should capture are:

Forbearance – Date Forbearance Plan Accepted
Forbearance – Date Forbearance Agreement Expired
Forbearance – Next Payment Due Date
Forbearance – Plan Due Date (Contractual Due Date)
Bankruptcy – Filing Date
Bankruptcy – Chapter
Bankruptcy – Case Number
Bankruptcy – Post Petition Due Date
Bankruptcy – Motion for Relief – Filed Date
Bankruptcy – Motion for Relief – Stay Lifted Date
Bankruptcy – Discharge Date
Bankruptcy – Dismissal Date
Bankruptcy – Plan Confirmation Date
Bankruptcy – Attorney Referral Date
Bankruptcy – Proof of Claim Filing Date
Bankruptcy – Payment Plan Start Date
Bankruptcy – Payment Plan End Date
Preforeclosure Sale – Insurer Approval Received
Preforeclosure Sale – Closing / Sale Held
FNMA Delinquent Status Code
FNMA Delinquent Reason Code (Reason for Default)
Deed-in-Lieu – Deed Recorded Date
Foreclosure – Date Recommendation Sent to MSD
Foreclosure Type – If Judicial, Transmit J1 (leave blank if non-judicial)
Foreclosure – Attorney Referral Date
Foreclosure – First Legal Date
Foreclosure – Sale Scheduled Date
Foreclosure – Sale Held Date
Foreclosure – Date Sale Results Sent to MSD
Foreclosure – Post Sale Redemption Date
Property Vacant – Transmit Y for Yes, N for No
Eviction – Date Initiated



Eviction – Date Completed
REO – Sale Scheduled Date
REO – Sale Held Date
REO – Sale Amount
MI – Claim Filed Date (Conventional Loans)
MI – Claim Filed Amount (Conventional Loans)
MI – Claim Paid Date (Conventional Loans)
MI – Claim Paid Amount (Conventional Loans)
FHA – Partial Claim Filed Date
FHA – Partial Claim Filed Amount
FHA – Partial Claim Paid Date
FHA – Partial Claim Paid Amount
FHA – Final Claim Filed Date
FHA – Final Claim Filed Amount
FHA – Final Claim Paid Date
FHA – Final Claim Paid Amount
VA – Partial Claim Filed Date
VA – Partial Claim Filed Amount
VA – Partial Claim Paid Date
VA – Partial Claim Paid Amount
VA – Final Claim Filed Date
VA – Final Claim Filed Amount
VA – Final Claim Paid Date
VA – Final Claim Paid Amount
VA Refund – Date VA Approved / Accepted
Pool – Claim Filed Date
Pool – Claim Filed Amount
Pool – Claim Paid Date
Pool – Claim Paid Amount
Statement of Mortgage Accounts
Summary of Paid-In-Full Remittance Report
Consolidation of Remittance Reports
Private Pool Detail Report

Each data element is assigned an Update Code.  This code is filtered through a codes table in CitiMortgage’s default system during file upload that directs the data to the appropriate field on our system.  Each data element per loan in the servicer’s electronic file must have an update code assigned to it in order to upload into our system correctly.

Servicer File Setup
The servicer’s data extract is a comma-delimited rich text file (RTF).  The file is set up in rows of one data element per loan.  Each row contains the following 4 data elements:

MSD Loan Number: CitiMortgage Master Servicing’s loan number
Servicer Loan Number



Update Code: 3 digits, with preceding zeroes as indicated above
Data: the default date, amount or code corresponding to the loan number
Note: Dates must be submitted in a DD-MMM-YYYY format (2 numeric characters for the day of the month, 3 alpha characters for the first 3 letters of the month, and 4 numeric characters for the given year).

Here is a sample of how these rows of data should appear:


In this example, the first 3 rows of data correspond to bankruptcy filing date, bankruptcy chapter, and bankruptcy post petition due date for loan 021046955.  The last row of data represents the foreclosure attorney referral date for 420221154.  Leave no spaces between commas in a row and sort the extract by MSD loan number.

Sending the Data Elements File
Data extracts should be posted on the MSD website.  Files are due monthly by the third business day.  Questions concerning setup of file or for troubleshooting issues, please contact Don Littlefield at (469) 220-0953 or via e-mail at  Also please contact Don prior to your first month’s posting to make sure he has set your company up for with the ability to Post data
to the website.

MSD Website address:

Servicer Comments File
To support the reporting process through ADR, servicer’s also will simultaneously develop a default comment file that will transmit and upload into our system in the same way as the data extract file.  The purpose of this transmission is to minimize manual comment updates at loan-level.

Like the Data Elements file, the ADR Comment File is comma-delimited.  It contains the following data:

CitiMortgage MSD’s Loan Number
Servicer Loan Number
Default Stage (3 Character Code)
Comment Date
Comment (Text)



The default stage listed pertains to one of six major stages in the default process:

Active bankruptcy status.
Active foreclosure status.
Loss Mitigation
Mortgagor workout measures are in progress.
Active claim (post foreclosure) in progress.
Active REO status (property being marketed).
Delinquencies not fitting the above categories (usually 30, 60 or 90 day delinquencies).

In programming the file, servicers should categorize comments into one of the 6 stages listed above.  Rows in the comment file would look like this:

021046955,496265,BNK,07-16-2004,“Motion for Relief filed 7/10/04.”
300001702,621111,LMT,07-11-2004,“Modification started 7/5/04.”
420221154,784456,FOR,07-07-2004,“File referred to attorney 7/2/04.”

Servicers should submit the Comments file simultaneously with the Data
Elements file each month.  The Comments file should be in a CSV format.




Servicing Agreement

[to be attached]

Appendix I