8-K 1 ba745787-2_8k.txt 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: January 30, 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) 387-2111 -------------------------------------------------------------------------------- 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 January 30, 2004, Banc of America Mortgage Securities, Inc. (the "Registrant") amended the Pooling and Servicing Agreement, dated July 24, 2003, among the Registrant, as depositor, Bank of America, N.A., as servicer, and Wells Fargo Bank Minnesota, National Association, as trustee, relating to Banc of America Alternative Loan Trust 2003-6 Mortgage Pass-Through Certificates, Series 2003-6. A copy of the amendment is filed as an exhibit hereto. ITEM 7. Financial Statements and Exhibits (c) Exhibits Item 601(a) of Regulation S-K Exhibit No. Description (EX-4) Amendment No. 1, dated January 30, 2004, to Pooling and Servicing Agreement, dated July 24, 2003, among Banc of America Mortgage Securities, Inc., Bank of America, N.A. and Wells Fargo Bank Minnesota, National Association, 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. January 30, 2004 By: /s/ Judy Lowman --------------------------------------- Name: Judy Lowman Title: Vice President INDEX TO EXHIBITS Paper (P) or Exhibit No. Description Electronic (E) ----------- ----------- -------------- (EX-4) Amendment No. 1, dated January E 30, 2004, to Pooling and Servicing Agreement, dated July 24, 2003, among Banc of America Mortgage Securities, Inc., Bank of America, N.A. and Wells Fargo Bank Minnesota, National Association, as trustee.

Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Record Date: 12/31/03 Distribution Date: 1/26/04 BAA Series: 2003-6 Contact: Customer Service - CTSLink Wells Fargo Bank Minnesota, 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 CB-1 05948KDH9 SEN 5.50000% 310,831,443.36 1,424,644.12 2,553,523.32 CB-WIO 05948KDK2 SEN 0.39426% 0.00 84,743.10 0.00 CB-R 05948KDJ5 SEN 5.50000% 0.00 0.00 0.00 NC-1 05948KDL0 SEN 5.00000% 38,725,875.45 161,357.81 589,446.25 NC-2 05948KDM8 SEN 8.00000% 7,745,175.09 51,634.50 117,889.25 NC-3 05948KDN6 SEN 5.50000% 2,000,000.00 9,166.67 0.00 NC-4 05948KDP1 SEN 5.50000% 2,000,000.00 9,166.67 0.00 NC-5 05948KDQ9 SEN 5.50000% 2,000,000.00 9,166.67 0.00 NC-WIO 05948KDR7 SEN 0.33281% 0.00 13,962.07 0.00 2-A-1 05948KDZ9 SEN 4.75000% 95,787,491.48 379,158.77 541,541.36 2-A-WIO 05948KEA3 SEN 0.55889% 0.00 38,676.72 0.00 A-PO 05948KDS5 STP 0.00000% 2,157,932.30 0.00 4,378.80 1-B-1 05948KDT3 SUB 5.50000% 8,565,933.40 39,260.53 8,997.61 1-B-2 05948KDU0 SUB 5.50000% 3,984,502.12 18,262.30 4,185.30 1-B-3 05948KDV8 SUB 5.50000% 1,990,758.74 9,124.31 2,091.08 1-B-4 05948KEB1 SUB 5.50000% 1,992,748.50 9,133.43 2,093.17 1-B-5 05948KEC9 SUB 5.50000% 1,393,829.58 6,388.39 1,464.07 1-B-6 05948KED7 SUB 5.50000% 1,594,980.78 7,310.33 1,675.36 2-B-1 05948KDW6 SUB 4.75000% 1,115,220.56 4,414.41 4,427.75 2-B-2 05948KDX4 SUB 4.75000% 355,065.82 1,405.47 1,409.71 2-B-3 05948KDY2 SUB 4.75000% 355,065.82 1,405.47 1,409.71 2-B-4 05948KEE5 SUB 4.75000% 202,054.03 799.80 802.21 2-B-5 05948KEF2 SUB 4.75000% 102,007.86 403.78 405.00 2-B-6 05948KEG0 SUB 4.75000% 152,284.00 602.79 604.61 SES 05948KEH8 SEN 0.00000% 0.00 84,416.22 0.00 Totals 483,052,368.89 2,364,604.33 3,836,344.56

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses CB-1 0.00 308,277,920.04 3,978,167.44 0.00 CB-WIO 0.00 0.00 84,743.10 0.00 CB-R 0.00 0.00 0.00 0.00 NC-1 0.00 38,136,429.20 750,804.06 0.00 NC-2 0.00 7,627,285.84 169,523.75 0.00 NC-3 0.00 2,000,000.00 9,166.67 0.00 NC-4 0.00 2,000,000.00 9,166.67 0.00 NC-5 0.00 2,000,000.00 9,166.67 0.00 NC-WIO 0.00 0.00 13,962.07 0.00 2-A-1 0.00 95,245,950.12 920,700.13 0.00 2-A-WIO 0.00 0.00 38,676.72 0.00 A-PO 0.00 2,153,553.51 4,378.80 0.00 1-B-1 0.00 8,556,935.79 48,258.14 0.00 1-B-2 0.00 3,980,316.82 22,447.60 0.00 1-B-3 0.00 1,988,667.66 11,215.39 0.00 1-B-4 0.00 1,990,655.33 11,226.60 0.00 1-B-5 0.00 1,392,365.51 7,852.46 0.00 1-B-6 0.00 1,593,305.42 8,985.69 0.00 2-B-1 0.00 1,110,792.81 8,842.16 0.00 2-B-2 0.00 353,656.11 2,815.18 0.00 2-B-3 0.00 353,656.11 2,815.18 0.00 2-B-4 0.00 201,251.82 1,602.01 0.00 2-B-5 0.00 101,602.86 808.78 0.00 2-B-6 0.00 151,679.39 1,207.40 0.00 SES 0.00 0.00 84,416.22 0.00 Totals 0.00 479,216,024.34 6,200,948.89 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) CB-1 323,459,000.00 310,831,443.36 326,518.01 2,227,005.31 0.00 0.00 CB-WIO 0.00 0.00 0.00 0.00 0.00 0.00 CB-R 100.00 0.00 0.00 0.00 0.00 0.00 NC-1 41,307,500.00 38,725,875.45 45,911.00 543,535.25 0.00 0.00 NC-2 8,261,500.00 7,745,175.09 9,182.20 108,707.05 0.00 0.00 NC-3 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00 NC-4 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00 NC-5 2,000,000.00 2,000,000.00 0.00 0.00 0.00 0.00 NC-WIO 0.00 0.00 0.00 0.00 0.00 0.00 2-A-1 100,612,000.00 95,787,491.48 380,303.73 161,237.63 0.00 0.00 2-A-WIO 0.00 0.00 0.00 0.00 0.00 0.00 A-PO 2,211,773.59 2,157,932.30 3,944.90 433.90 0.00 0.00 1-B-1 8,610,000.00 8,565,933.40 8,997.61 0.00 0.00 0.00 1-B-2 4,005,000.00 3,984,502.12 4,185.30 0.00 0.00 0.00 1-B-3 2,001,000.00 1,990,758.74 2,091.08 0.00 0.00 0.00 1-B-4 2,003,000.00 1,992,748.50 2,093.17 0.00 0.00 0.00 1-B-5 1,401,000.00 1,393,829.58 1,464.07 0.00 0.00 0.00 1-B-6 1,603,186.00 1,594,980.78 1,675.36 0.00 0.00 0.00 2-B-1 1,137,000.00 1,115,220.56 4,427.75 0.00 0.00 0.00 2-B-2 362,000.00 355,065.82 1,409.71 0.00 0.00 0.00 2-B-3 362,000.00 355,065.82 1,409.71 0.00 0.00 0.00 2-B-4 206,000.00 202,054.03 802.21 0.00 0.00 0.00 2-B-5 104,000.00 102,007.86 405.00 0.00 0.00 0.00 2-B-6 155,258.00 152,284.00 604.61 0.00 0.00 0.00 SES 0.00 0.00 0.00 0.00 0.00 0.00 Totals 503,801,317.59 483,052,368.89 795,425.42 3,040,919.14 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 CB-1 2,553,523.32 308,277,920.04 0.95306645 2,553,523.32 CB-WIO 0.00 0.00 0.00000000 0.00 CB-R 0.00 0.00 0.00000000 0.00 NC-1 589,446.25 38,136,429.20 0.92323257 589,446.25 NC-2 117,889.25 7,627,285.84 0.92323257 117,889.25 NC-3 0.00 2,000,000.00 1.00000000 0.00 NC-4 0.00 2,000,000.00 1.00000000 0.00 NC-5 0.00 2,000,000.00 1.00000000 0.00 NC-WIO 0.00 0.00 0.00000000 0.00 2-A-1 541,541.36 95,245,950.12 0.94666591 541,541.36 2-A-WIO 0.00 0.00 0.00000000 0.00 A-PO 4,378.80 2,153,553.51 0.97367720 4,378.80 1-B-1 8,997.61 8,556,935.79 0.99383691 8,997.61 1-B-2 4,185.30 3,980,316.82 0.99383691 4,185.30 1-B-3 2,091.08 1,988,667.66 0.99383691 2,091.08 1-B-4 2,093.17 1,990,655.33 0.99383691 2,093.17 1-B-5 1,464.07 1,392,365.51 0.99383691 1,464.07 1-B-6 1,675.36 1,593,305.42 0.99383691 1,675.36 2-B-1 4,427.75 1,110,792.81 0.97695058 4,427.75 2-B-2 1,409.71 353,656.11 0.97695058 1,409.71 2-B-3 1,409.71 353,656.11 0.97695058 1,409.71 2-B-4 802.21 201,251.82 0.97695058 802.21 2-B-5 405.00 101,602.86 0.97695058 405.00 2-B-6 604.61 151,679.39 0.97695056 604.61 SES 0.00 0.00 0.00000000 0.00 Totals 3,836,344.56 479,216,024.34 0.95120042 3,836,344.56

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion CB-1 323,459,000.00 960.96087405 1.00945718 6.88496938 0.00000000 CB-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 CB-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 NC-1 41,307,500.00 937.50228046 1.11144465 13.15827029 0.00000000 NC-2 8,261,500.00 937.50228046 1.11144465 13.15827029 0.00000000 NC-3 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 NC-4 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 NC-5 2,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 NC-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 100,612,000.00 952.04837872 3.77990429 1.60256858 0.00000000 2-A-WIO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 A-PO 2,211,773.59 975.65696134 1.78359124 0.19617740 0.00000000 1-B-1 8,610,000.00 994.88192799 1.04501858 0.00000000 0.00000000 1-B-2 4,005,000.00 994.88192759 1.04501873 0.00000000 0.00000000 1-B-3 2,001,000.00 994.88192904 1.04501749 0.00000000 0.00000000 1-B-4 2,003,000.00 994.88192711 1.04501747 0.00000000 0.00000000 1-B-5 1,401,000.00 994.88192719 1.04501784 0.00000000 0.00000000 1-B-6 1,603,186.00 994.88192886 1.04501911 0.00000000 0.00000000 2-B-1 1,137,000.00 980.84481970 3.89423923 0.00000000 0.00000000 2-B-2 362,000.00 980.84480663 3.89422652 0.00000000 0.00000000 2-B-3 362,000.00 980.84480663 3.89422652 0.00000000 0.00000000 2-B-4 206,000.00 980.84480583 3.89422330 0.00000000 0.00000000 2-B-5 104,000.00 980.84480769 3.89423077 0.00000000 0.00000000 2-B-6 155,258.00 980.84478739 3.89422767 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 CB-1 0.00000000 7.89442656 953.06644749 0.95306645 7.89442656 CB-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 NC-1 0.00000000 14.26971494 923.23256551 0.92323257 14.26971494 NC-2 0.00000000 14.26971494 923.23256551 0.92323257 14.26971494 NC-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 NC-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 NC-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 NC-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-A-1 0.00000000 5.38247287 946.66590586 0.94666591 5.38247287 2-A-WIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-PO 0.00000000 1.97976864 973.67719722 0.97367720 1.97976864 1-B-1 0.00000000 1.04501858 993.83690941 0.99383691 1.04501858 1-B-2 0.00000000 1.04501873 993.83690886 0.99383691 1.04501873 1-B-3 0.00000000 1.04501749 993.83691154 0.99383691 1.04501749 1-B-4 0.00000000 1.04501747 993.83690964 0.99383691 1.04501747 1-B-5 0.00000000 1.04501784 993.83690935 0.99383691 1.04501784 1-B-6 0.00000000 1.04501911 993.83690975 0.99383691 1.04501911 2-B-1 0.00000000 3.89423923 976.95058047 0.97695058 3.89423923 2-B-2 0.00000000 3.89422652 976.95058011 0.97695058 3.89422652 2-B-3 0.00000000 3.89422652 976.95058011 0.97695058 3.89422652 2-B-4 0.00000000 3.89422330 976.95058252 0.97695058 3.89422330 2-B-5 0.00000000 3.89423077 976.95057692 0.97695058 3.89423077 2-B-6 0.00000000 3.89422767 976.95055971 0.97695056 3.89422767 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 CB-1 323,459,000.00 5.50000% 310,831,443.36 1,424,644.12 0.00 0.00 CB-WIO 0.00 0.39426% 257,928,921.89 84,743.10 0.00 0.00 CB-R 100.00 5.50000% 0.00 0.00 0.00 0.00 NC-1 41,307,500.00 5.00000% 38,725,875.45 161,357.81 0.00 0.00 NC-2 8,261,500.00 8.00000% 7,745,175.09 51,634.50 0.00 0.00 NC-3 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00 NC-4 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00 NC-5 2,000,000.00 5.50000% 2,000,000.00 9,166.67 0.00 0.00 NC-WIO 0.00 0.33281% 50,341,975.52 13,962.07 0.00 0.00 2-A-1 100,612,000.00 4.75000% 95,787,491.48 379,158.82 0.00 0.00 2-A-WIO 0.00 0.55889% 83,042,792.38 38,676.72 0.00 0.00 A-PO 2,211,773.59 0.00000% 2,157,932.30 0.00 0.00 0.00 1-B-1 8,610,000.00 5.50000% 8,565,933.40 39,260.53 0.00 0.00 1-B-2 4,005,000.00 5.50000% 3,984,502.12 18,262.30 0.00 0.00 1-B-3 2,001,000.00 5.50000% 1,990,758.74 9,124.31 0.00 0.00 1-B-4 2,003,000.00 5.50000% 1,992,748.50 9,133.43 0.00 0.00 1-B-5 1,401,000.00 5.50000% 1,393,829.58 6,388.39 0.00 0.00 1-B-6 1,603,186.00 5.50000% 1,594,980.78 7,310.33 0.00 0.00 2-B-1 1,137,000.00 4.75000% 1,115,220.56 4,414.41 0.00 0.00 2-B-2 362,000.00 4.75000% 355,065.82 1,405.47 0.00 0.00 2-B-3 362,000.00 4.75000% 355,065.82 1,405.47 0.00 0.00 2-B-4 206,000.00 4.75000% 202,054.03 799.80 0.00 0.00 2-B-5 104,000.00 4.75000% 102,007.86 403.78 0.00 0.00 2-B-6 155,258.00 4.75000% 152,284.00 602.79 0.00 0.00 SES 0.00 0.00000% 483,052,369.48 0.00 0.00 0.00 Totals 503,801,317.59 2,280,188.16 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 CB-1 0.00 0.00 1,424,644.12 0.00 308,277,920.04 CB-WIO 0.00 0.00 84,743.10 0.00 255,767,355.14 CB-R 0.00 0.00 0.00 0.00 0.00 NC-1 0.00 0.00 161,357.81 0.00 38,136,429.20 NC-2 0.00 0.00 51,634.50 0.00 7,627,285.84 NC-3 0.00 0.00 9,166.67 0.00 2,000,000.00 NC-4 0.00 0.00 9,166.67 0.00 2,000,000.00 NC-5 0.00 0.00 9,166.67 0.00 2,000,000.00 NC-WIO 0.00 0.00 13,962.07 0.00 49,637,392.34 2-A-1 0.05 0.00 379,158.77 0.00 95,245,950.12 2-A-WIO 0.00 0.00 38,676.72 0.00 82,558,816.88 A-PO 0.00 0.00 0.00 0.00 2,153,553.51 1-B-1 0.00 0.00 39,260.53 0.00 8,556,935.79 1-B-2 0.00 0.00 18,262.30 0.00 3,980,316.82 1-B-3 0.00 0.00 9,124.31 0.00 1,988,667.66 1-B-4 0.00 0.00 9,133.43 0.00 1,990,655.33 1-B-5 0.00 0.00 6,388.39 0.00 1,392,365.51 1-B-6 0.00 0.00 7,310.33 0.00 1,593,305.42 2-B-1 0.00 0.00 4,414.41 0.00 1,110,792.81 2-B-2 0.00 0.00 1,405.47 0.00 353,656.11 2-B-3 0.00 0.00 1,405.47 0.00 353,656.11 2-B-4 0.00 0.00 799.80 0.00 201,251.82 2-B-5 0.00 0.00 403.78 0.00 101,602.86 2-B-6 0.00 0.00 602.79 0.00 151,679.39 SES 0.00 0.00 84,416.22 0.00 479,216,024.92 Totals 0.05 0.00 2,364,604.33 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 CB-1 323,459,000.00 5.50000% 960.96087405 4.40440402 0.00000000 0.00000000 CB-WIO 0.00 0.39426% 959.31969437 0.31518654 0.00000000 0.00000000 CB-R 100.00 5.50000% 0.00000000 0.00000000 0.00000000 0.00000000 NC-1 41,307,500.00 5.00000% 937.50228046 3.90625940 0.00000000 0.00000000 NC-2 8,261,500.00 8.00000% 937.50228046 6.25001513 0.00000000 0.00000000 NC-3 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000 NC-4 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000 NC-5 2,000,000.00 5.50000% 1000.00000000 4.58333500 0.00000000 0.00000000 NC-WIO 0.00 0.33281% 942.27214001 0.26133399 0.00000000 0.00000000 2-A-1 100,612,000.00 4.75000% 952.04837872 3.76852483 0.00000000 0.00000000 2-A-WIO 0.00 0.55889% 952.00676576 0.44339187 0.00000000 0.00000000 A-PO 2,211,773.59 0.00000% 975.65696134 0.00000000 0.00000000 0.00000000 1-B-1 8,610,000.00 5.50000% 994.88192799 4.55987573 0.00000000 0.00000000 1-B-2 4,005,000.00 5.50000% 994.88192759 4.55987516 0.00000000 0.00000000 1-B-3 2,001,000.00 5.50000% 994.88192904 4.55987506 0.00000000 0.00000000 1-B-4 2,003,000.00 5.50000% 994.88192711 4.55987519 0.00000000 0.00000000 1-B-5 1,401,000.00 5.50000% 994.88192719 4.55987866 0.00000000 0.00000000 1-B-6 1,603,186.00 5.50000% 994.88192886 4.55987640 0.00000000 0.00000000 2-B-1 1,137,000.00 4.75000% 980.84481970 3.88250660 0.00000000 0.00000000 2-B-2 362,000.00 4.75000% 980.84480663 3.88251381 0.00000000 0.00000000 2-B-3 362,000.00 4.75000% 980.84480663 3.88251381 0.00000000 0.00000000 2-B-4 206,000.00 4.75000% 980.84480583 3.88252427 0.00000000 0.00000000 2-B-5 104,000.00 4.75000% 980.84480769 3.88250000 0.00000000 0.00000000 2-B-6 155,258.00 4.75000% 980.84478739 3.88250525 0.00000000 0.00000000 SES 0.00 0.00000% 958.81521556 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 CB-1 0.00000000 0.00000000 4.40440402 0.00000000 953.06644749 CB-WIO 0.00000000 0.00000000 0.31518654 0.00000000 951.28014014 CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 NC-1 0.00000000 0.00000000 3.90625940 0.00000000 923.23256551 NC-2 0.00000000 0.00000000 6.25001513 0.00000000 923.23256551 NC-3 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000 NC-4 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000 NC-5 0.00000000 0.00000000 4.58333500 0.00000000 1000.00000000 NC-WIO 0.00000000 0.00000000 0.26133399 0.00000000 929.08415734 2-A-1 0.00000050 0.00000000 3.76852433 0.00000000 946.66590586 2-A-WIO 0.00000000 0.00000000 0.44339187 0.00000000 946.45844619 A-PO 0.00000000 0.00000000 0.00000000 0.00000000 973.67719722 1-B-1 0.00000000 0.00000000 4.55987573 0.00000000 993.83690941 1-B-2 0.00000000 0.00000000 4.55987516 0.00000000 993.83690886 1-B-3 0.00000000 0.00000000 4.55987506 0.00000000 993.83691154 1-B-4 0.00000000 0.00000000 4.55987519 0.00000000 993.83690964 1-B-5 0.00000000 0.00000000 4.55987866 0.00000000 993.83690935 1-B-6 0.00000000 0.00000000 4.55987640 0.00000000 993.83690975 2-B-1 0.00000000 0.00000000 3.88250660 0.00000000 976.95058047 2-B-2 0.00000000 0.00000000 3.88251381 0.00000000 976.95058011 2-B-3 0.00000000 0.00000000 3.88251381 0.00000000 976.95058011 2-B-4 0.00000000 0.00000000 3.88252427 0.00000000 976.95058252 2-B-5 0.00000000 0.00000000 3.88250000 0.00000000 976.95057692 2-B-6 0.00000000 0.00000000 3.88250525 0.00000000 976.95055971 SES 0.00000000 0.00000000 0.16755855 0.00000000 951.20041897 (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 CB-PO 0.00000% 0.00 0.00 1,690,877.87 1,688,412.40 97.42061262% NC-PO 0.00000% 0.00 0.00 57,807.09 57,733.24 99.24706767% 2-A-PO 0.00000% 0.00 0.00 409,247.34 407,407.86 96.88971466% CB-SES 0.00000% 329,192,695.51 326,619,195.05 0.00 0.00 95.51708183% NC-SES 0.00000% 55,381,236.75 54,670,832.48 0.00 0.00 93.46382677% 2-SES 0.00000% 98,478,437.22 97,925,997.39 0.00 0.00 94.74379539%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 6,197,797.88 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 25,089.59 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 6,222,887.47 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 21,938.58 Payment of Interest and Principal 6,200,948.89 Total Withdrawals (Pool Distribution Amount) 6,222,887.47 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 20,127.18 Trustee Fee 1,811.40 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 21,938.58

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 22 0 0 0 22 3,432,817.31 0.00 0.00 0.00 3,432,817.31 60 Days 3 0 0 0 3 157,677.12 0.00 0.00 0.00 157,677.12 90 Days 1 0 0 0 1 210,560.15 0.00 0.00 0.00 210,560.15 120 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 26 0 0 0 26 3,801,054.58 0.00 0.00 0.00 3,801,054.58 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 0.639535% 0.000000% 0.000000% 0.000000% 0.639535% 0.715384% 0.000000% 0.000000% 0.000000% 0.715384% 60 Days 0.087209% 0.000000% 0.000000% 0.000000% 0.087209% 0.032859% 0.000000% 0.000000% 0.000000% 0.032859% 90 Days 0.029070% 0.000000% 0.000000% 0.000000% 0.029070% 0.043880% 0.000000% 0.000000% 0.000000% 0.043880% 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 0.755814% 0.000000% 0.000000% 0.000000% 0.755814% 0.792123% 0.000000% 0.000000% 0.000000% 0.792123%

DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 1 CB 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 15 0 0 0 15 2,262,611.26 0.00 0.00 0.00 2,262,611.26 60 Days 3 0 0 0 3 157,677.12 0.00 0.00 0.00 157,677.12 90 Days 1 0 0 0 1 210,560.15 0.00 0.00 0.00 210,560.15 120 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 19 0 0 0 19 2,630,848.53 0.00 0.00 0.00 2,630,848.53 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.632644% 0.000000% 0.000000% 0.000000% 0.632644% 0.692144% 0.000000% 0.000000% 0.000000% 0.692144% 60 Days 0.126529% 0.000000% 0.000000% 0.000000% 0.126529% 0.048234% 0.000000% 0.000000% 0.000000% 0.048234% 90 Days 0.042176% 0.000000% 0.000000% 0.000000% 0.042176% 0.064411% 0.000000% 0.000000% 0.000000% 0.064411% 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 0.801350% 0.000000% 0.000000% 0.000000% 0.801350% 0.804790% 0.000000% 0.000000% 0.000000% 0.804790% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 1-NC 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 1 322,371.05 0.00 0.00 0.00 322,371.05 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 1 322,371.05 0.00 0.00 0.00 322,371.05 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.847458% 0.000000% 0.000000% 0.000000% 0.847458% 0.589138% 0.000000% 0.000000% 0.000000% 0.589138% 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 0.847458% 0.000000% 0.000000% 0.000000% 0.847458% 0.589138% 0.000000% 0.000000% 0.000000% 0.589138% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 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 6 0 0 0 6 847,835.00 0.00 0.00 0.00 847,835.00 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 6 0 0 0 6 847,835.00 0.00 0.00 0.00 847,835.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.630915% 0.000000% 0.000000% 0.000000% 0.630915% 0.863034% 0.000000% 0.000000% 0.000000% 0.863034% 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 0.630915% 0.000000% 0.000000% 0.000000% 0.630915% 0.863034% 0.000000% 0.000000% 0.000000% 0.863034%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 25,089.59

COLLATERAL STATEMENT Collateral Description Fixed Weighted Average Gross Coupon 5.918949% Weighted Average Net Coupon 5.668949% Weighted Average Pass-Through Rate 5.664450% Weighted Average Maturity(Stepdown Calculation ) 352 Beginning Scheduled Collateral Loan Count 3,460 Number Of Loans Paid In Full 20 Ending Scheduled Collateral Loan Count 3,440 Beginning Scheduled Collateral Balance 483,052,369.48 Ending Scheduled Collateral Balance 479,216,024.92 Ending Actual Collateral Balance at 31-Dec-2003 479,856,769.24 Monthly P &I Constant 3,178,061.05 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 479,216,024.92 Scheduled Principal 795,425.42 Unscheduled Principal 3,040,919.14

Group Level Collateral Statement Group Group 1 CB Group 1-NC Group 2 Collateral Description Fixed 30 Year Fixed 30 Year Fixed 30 Year Weighted Average Coupon Rate 6.035163 6.051290 5.456051 Weighted Average Net Rate 5.785162 5.801289 5.206051 Weighted Average Maturity 351 354 170 Beginning Loan Count 2,387 120 953 Loans Paid In Full 16 2 2 Ending Loan Count 2,371 118 951 Beginning Scheduled Balance 329,192,695.51 55,381,236.75 98,478,437.22 Ending scheduled Balance 326,619,195.05 54,670,832.48 97,925,997.39 Record Date 12/31/2003 12/31/2003 12/31/2003 Principal And Interest Constant 2,001,721.87 337,435.15 838,904.03 Scheduled Principal 346,112.34 58,161.89 391,151.19 Unscheduled Principal 2,227,388.12 652,242.38 161,288.64 Scheduled Interest 1,655,609.53 279,273.26 447,752.84 Servicing Fees 68,581.84 11,537.78 20,516.34 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,234.46 207.67 369.27 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 1,585,793.23 267,527.81 426,867.23 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 5.780663 5.796790 5.201551

Group Level Collateral Statement Group Total Collateral Description Fixed Weighted Average Coupon Rate 5.918949 Weighted Average Net Rate 5.668949 Weighted Average Maturity 352 Beginning Loan Count 3,460 Loans Paid In Full 20 Ending Loan Count 3,440 Beginning Scheduled Balance 483,052,369.48 Ending scheduled Balance 479,216,024.92 Record Date 12/31/2003 Principal And Interest Constant 3,178,061.05 Scheduled Principal 795,425.42 Unscheduled Principal 3,040,919.14 Scheduled Interest 2,382,635.63 Servicing Fees 100,635.96 Master Servicing Fees 0.00 Trustee Fee 1,811.40 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 2,280,188.27 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 5.664450

Miscellaneous Reporting Group Group 1 CB CPR 1.955458% Group CB Subordinate Percentage 5.090162% Group CB Subordinate Prepayment % 0.000000% Group CB Senior Prepayment % 100.000000% Group CB Senior Percentage 94.909838% Group Group 1-NC Group NC Subordinate Percentage 5.155825% Group NC Subordinate Prepayment % 0.000000% Group NC Senior Prepayment % 100.000000% Group NC Senior Percentage 94.844175% Group Group 2 Group 2 Subordinate Percentage 2.326621% Group 2 Subordinate Prepayment % 0.000000% Group 2 Senior Prepayment % 100.000000% Group 2 Senior Percentage 97.673379%

Filing Compare · BANC OF AMERICA ALTERNATIVE LOAN TRUST 2003-6