8-K 1 ba812090-8k.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: August 26, 2004 (Date of earliest event reported) Commission File No. 333-105940 Banc of America Mortgage Securities, Inc. -------------------------------------------------------------------------------- (Exact name of registrant as specified in its charter) Delaware 333-105940 36-4514369 -------------------------------------------------------------------------------- (State or other jurisdiction (Commission File No.) (IRS Employer of incorporation) Identification No.) 201 North Tryon Street, Charlotte, North Carolina 28255 -------------------------------------------------------------------------------- Address of principal executive offices (Zip Code) Registrant's telephone number, including area code (704) 387-8239 ---------------------------- (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: [ ] 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 August 26, 2004, Banc of America Mortgage Securities, Inc., a Delaware corporation (the "Registrant"), sold Banc of America Alternative Loan Trust 2004-8 Mortgage Pass-Through Certificates, Series 2004-8, Class 1-CB-1, Class 1-CB-R, Class 2-CB-1, Class CB-IO, Class 3-A-1, Class 15-IO, Class 15-PO, Class X-PO, Class 30-B-1, Class 30-B-2, Class 30-B-3, Class 15-B-1, Class 15-B-2 and Class 15-B-3 (the "Offered Certificates"), having an aggregate original principal balance of $271,583,967. The Offered Certificates were issued pursuant to a Pooling and Servicing Agreement, dated August 26, 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 2004-8, Class 30-B-4, Class 30-B-5 Class 30-B-6, Class 15-B-4, Class 15-B-5 and Class 15-B-6 Certificates, having an aggregate initial principal balance of $3,034,542 (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 98.90% undivided interest in a trust (the "Trust"), consisting principally of three 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 a REMIC for federal income tax purposes (the "REMIC"). The Class 1-CB-1, Class 2-CB-1, Class CB-IO, Class 3-A-1, Class 15-IO, Class 15-PO, Class X-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 15-B-1, Class 15-B-2, Class 15-B-3, Class 15-B-4, Class 15-B-5 and Class 15-B-6 Certificates and each Class IO and Class PO Component will be treated as "regular interests" in the REMIC and the Class 1-CB-R Certificate will be treated as the "residual interest" in the REMIC. ITEM 9.01 Financial Statements and Exhibits --------------------------------- (c) Exhibits Item 601(a) of Regulation S-K Exhibit No. Description ----------- ----------- (4) Pooling and Servicing Agreement, dated August 26, 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. August 26, 2004 By:/s/ Judy Lowman ------------------------------------- Name: Judy Lowman Title: Vice President INDEX TO EXHIBITS ----------------- Paper (P) or Exhibit No. Description Electronic (E) ----------- ----------- -------------- (4) Pooling and Servicing Agreement, E dated August 26, 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: 11/30/2004 Distribution Date: 12/27/2004 Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-8 Contact: Customer Service - SecuritiesLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 846-8130 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-CB-1 05948KTF6 SEN 6.00000% 106,813,900.30 534,069.50 2,394,687.22 1-CB-R 05948KTG4 SEN 6.00000% 0.00 0.08 0.00 2-CB-1 05948KTH2 SEN 6.00000% 98,283,823.74 491,419.12 2,187,659.24 CB-IO 05948KTJ8 SEN 6.00000% 0.00 60,251.00 0.00 3-A-1 05948KTK5 SEN 5.50000% 47,856,855.59 219,343.92 821,770.00 15-IO 05948KTL3 SEN 5.50000% 0.00 9,146.87 0.00 X-PO 05948KTM1 PO 0.00000% 580,383.48 0.00 10,852.90 15-PO 05948KTN9 PO 0.00000% 444,333.42 0.00 2,066.44 15-B-1 05948KTS8 SUB 5.50000% 1,025,931.93 4,702.19 3,713.91 15-B-2 05948KTT6 SUB 5.50000% 157,302.97 720.97 569.44 15-B-3 05948KTU3 SUB 5.50000% 158,292.29 725.51 573.02 15-B-4 05948KUD9 SUB 5.50000% 104,868.65 480.65 379.63 15-B-5 05948KUE7 SUB 5.50000% 52,434.32 240.32 189.81 15-B-6 05948KUF4 SUB 5.50000% 105,766.95 484.77 382.83 30-B-1 05948KTP4 SUB 6.00000% 4,416,915.82 22,084.58 4,081.10 30-B-2 05948KTQ2 SUB 6.00000% 1,987,562.26 9,937.81 1,836.45 30-B-3 05948KTR0 SUB 6.00000% 1,104,976.91 5,524.88 1,020.97 30-B-4 05948KUA5 SUB 6.00000% 1,103,979.64 5,519.90 1,020.04 30-B-5 05948KUB3 SUB 6.00000% 663,185.60 3,315.93 612.76 30-B-6 05948KUC1 SUB 6.00000% 993,914.83 4,969.57 918.35 Totals 265,854,428.70 1,372,937.57 5,432,334.11

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-CB-1 0.00 104,419,213.09 2,928,756.72 0.00 1-CB-R 0.00 0.00 0.08 0.00 2-CB-1 0.00 96,096,164.51 2,679,078.36 0.00 CB-IO 0.00 0.00 60,251.00 0.00 3-A-1 0.00 47,035,085.58 1,041,113.92 0.00 15-IO 0.00 0.00 9,146.87 0.00 X-PO 0.00 569,530.58 10,852.90 0.00 15-PO 0.00 442,266.98 2,066.44 0.00 15-B-1 0.00 1,022,218.03 8,416.10 0.00 15-B-2 0.00 156,733.53 1,290.41 0.00 15-B-3 0.00 157,719.27 1,298.53 0.00 15-B-4 0.00 104,489.02 860.28 0.00 15-B-5 0.00 52,244.51 430.13 0.00 15-B-6 0.00 105,384.13 867.60 0.00 30-B-1 0.00 4,412,834.73 26,165.68 0.00 30-B-2 0.00 1,985,725.81 11,774.26 0.00 30-B-3 0.00 1,103,955.94 6,545.85 0.00 30-B-4 0.00 1,102,959.59 6,539.94 0.00 30-B-5 0.00 662,572.84 3,928.69 0.00 30-B-6 0.00 992,996.48 5,887.92 0.00 Totals 0.00 260,422,094.62 6,805,271.68 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-CB-1 109,301,000.00 106,813,900.30 98,245.69 2,296,441.53 0.00 0.00 1-CB-R 100.00 0.00 0.00 0.00 0.00 0.00 2-CB-1 101,300,000.00 98,283,823.74 91,255.39 2,096,403.84 0.00 0.00 CB-IO 0.00 0.00 0.00 0.00 0.00 0.00 3-A-1 51,035,000.00 47,856,855.59 173,243.25 648,526.75 0.00 0.00 15-IO 0.00 0.00 0.00 0.00 0.00 0.00 X-PO 585,353.00 580,383.48 701.86 10,151.03 0.00 0.00 15-PO 476,514.00 444,333.42 1,680.11 386.34 0.00 0.00 15-B-1 1,037,000.00 1,025,931.93 3,713.91 0.00 0.00 0.00 15-B-2 159,000.00 157,302.97 569.44 0.00 0.00 0.00 15-B-3 160,000.00 158,292.29 573.02 0.00 0.00 0.00 15-B-4 106,000.00 104,868.65 379.63 0.00 0.00 0.00 15-B-5 53,000.00 52,434.32 189.81 0.00 0.00 0.00 15-B-6 106,908.00 105,766.95 382.83 0.00 0.00 0.00 30-B-1 4,429,000.00 4,416,915.82 4,081.10 0.00 0.00 0.00 30-B-2 1,993,000.00 1,987,562.26 1,836.45 0.00 0.00 0.00 30-B-3 1,108,000.00 1,104,976.91 1,020.97 0.00 0.00 0.00 30-B-4 1,107,000.00 1,103,979.64 1,020.04 0.00 0.00 0.00 30-B-5 665,000.00 663,185.60 612.76 0.00 0.00 0.00 30-B-6 996,634.00 993,914.83 918.35 0.00 0.00 0.00 Totals 274,618,509.00 265,854,428.70 380,424.61 5,051,909.49 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-CB-1 2,394,687.22 104,419,213.09 0.95533630 2,394,687.22 1-CB-R 0.00 0.00 0.00000000 0.00 2-CB-1 2,187,659.24 96,096,164.51 0.94862946 2,187,659.24 CB-IO 0.00 0.00 0.00000000 0.00 3-A-1 821,770.00 47,035,085.58 0.92162409 821,770.00 15-IO 0.00 0.00 0.00000000 0.00 X-PO 10,852.90 569,530.58 0.97296944 10,852.90 15-PO 2,066.44 442,266.98 0.92813009 2,066.44 15-B-1 3,713.91 1,022,218.03 0.98574545 3,713.91 15-B-2 569.44 156,733.53 0.98574547 569.44 15-B-3 573.02 157,719.27 0.98574544 573.02 15-B-4 379.63 104,489.02 0.98574547 379.63 15-B-5 189.81 52,244.51 0.98574547 189.81 15-B-6 382.83 105,384.13 0.98574597 382.83 30-B-1 4,081.10 4,412,834.73 0.99635013 4,081.10 30-B-2 1,836.45 1,985,725.81 0.99635013 1,836.45 30-B-3 1,020.97 1,103,955.94 0.99635013 1,020.97 30-B-4 1,020.04 1,102,959.59 0.99635013 1,020.04 30-B-5 612.76 662,572.84 0.99635014 612.76 30-B-6 918.35 992,996.48 0.99635019 918.35 Totals 5,432,334.11 260,422,094.62 0.94830496 5,432,334.11

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-CB-1 109,301,000.00 977.24540764 0.89885445 21.01025178 0.00000000 1-CB-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 101,300,000.00 970.22530839 0.90084294 20.69500336 0.00000000 CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 51,035,000.00 937.72617988 3.39459685 12.70748996 0.00000000 15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 585,353.00 991.51021691 1.19903716 17.34172371 0.00000000 15-PO 476,514.00 932.46666415 3.52583555 0.81076317 0.00000000 15-B-1 1,037,000.00 989.32683703 3.58139826 0.00000000 0.00000000 15-B-2 159,000.00 989.32685535 3.58138365 0.00000000 0.00000000 15-B-3 160,000.00 989.32681250 3.58137500 0.00000000 0.00000000 15-B-4 106,000.00 989.32688679 3.58141509 0.00000000 0.00000000 15-B-5 53,000.00 989.32679245 3.58132075 0.00000000 0.00000000 15-B-6 106,908.00 989.32680436 3.58092940 0.00000000 0.00000000 30-B-1 4,429,000.00 997.27157823 0.92144954 0.00000000 0.00000000 30-B-2 1,993,000.00 997.27158053 0.92145008 0.00000000 0.00000000 30-B-3 1,108,000.00 997.27157942 0.92145307 0.00000000 0.00000000 30-B-4 1,107,000.00 997.27158085 0.92144535 0.00000000 0.00000000 30-B-5 665,000.00 997.27157895 0.92144361 0.00000000 0.00000000 30-B-6 996,634.00 997.27164636 0.92145161 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-CB-1 0.00000000 21.90910623 955.33630150 0.95533630 21.90910623 1-CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 0.00000000 21.59584640 948.62946209 0.94862946 21.59584640 CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 0.00000000 16.10208680 921.62409288 0.92162409 16.10208680 15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 0.00000000 18.54077796 972.96943895 0.97296944 18.54077796 15-PO 0.00000000 4.33657773 928.13008642 0.92813009 4.33657773 15-B-1 0.00000000 3.58139826 985.74544841 0.98574545 3.58139826 15-B-2 0.00000000 3.58138365 985.74547170 0.98574547 3.58138365 15-B-3 0.00000000 3.58137500 985.74543750 0.98574544 3.58137500 15-B-4 0.00000000 3.58141509 985.74547170 0.98574547 3.58141509 15-B-5 0.00000000 3.58132075 985.74547170 0.98574547 3.58132075 15-B-6 0.00000000 3.58092940 985.74596850 0.98574597 3.58092940 30-B-1 0.00000000 0.92144954 996.35013096 0.99635013 0.92144954 30-B-2 0.00000000 0.92145008 996.35013046 0.99635013 0.92145008 30-B-3 0.00000000 0.92145307 996.35012635 0.99635013 0.92145307 30-B-4 0.00000000 0.92144535 996.35012647 0.99635013 0.92144535 30-B-5 0.00000000 0.92144361 996.35013534 0.99635014 0.92144361 30-B-6 0.00000000 0.92145161 996.35019476 0.99635019 0.92145161 (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-CB-1 109,301,000.00 6.00000% 106,813,900.30 534,069.50 0.00 0.00 1-CB-R 100.00 6.00000% 0.00 0.00 0.00 0.00 2-CB-1 101,300,000.00 6.00000% 98,283,823.74 491,419.12 0.00 0.00 CB-IO 0.00 6.00000% 12,050,200.23 60,251.00 0.00 0.00 3-A-1 51,035,000.00 5.50000% 47,856,855.59 219,343.92 0.00 0.00 15-IO 0.00 5.50000% 1,995,680.21 9,146.87 0.00 0.00 X-PO 585,353.00 0.00000% 580,383.48 0.00 0.00 0.00 15-PO 476,514.00 0.00000% 444,333.42 0.00 0.00 0.00 15-B-1 1,037,000.00 5.50000% 1,025,931.93 4,702.19 0.00 0.00 15-B-2 159,000.00 5.50000% 157,302.97 720.97 0.00 0.00 15-B-3 160,000.00 5.50000% 158,292.29 725.51 0.00 0.00 15-B-4 106,000.00 5.50000% 104,868.65 480.65 0.00 0.00 15-B-5 53,000.00 5.50000% 52,434.32 240.32 0.00 0.00 15-B-6 106,908.00 5.50000% 105,766.95 484.77 0.00 0.00 30-B-1 4,429,000.00 6.00000% 4,416,915.82 22,084.58 0.00 0.00 30-B-2 1,993,000.00 6.00000% 1,987,562.26 9,937.81 0.00 0.00 30-B-3 1,108,000.00 6.00000% 1,104,976.91 5,524.88 0.00 0.00 30-B-4 1,107,000.00 6.00000% 1,103,979.64 5,519.90 0.00 0.00 30-B-5 665,000.00 6.00000% 663,185.60 3,315.93 0.00 0.00 30-B-6 996,634.00 6.00000% 993,914.83 4,969.57 0.00 0.00 Totals 274,618,509.00 1,372,937.49 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-CB-1 0.00 0.00 534,069.50 0.00 104,419,213.09 1-CB-R 0.00 0.00 0.08 0.00 0.00 2-CB-1 0.00 0.00 491,419.12 0.00 96,096,164.51 CB-IO 0.00 0.00 60,251.00 0.00 11,725,537.62 3-A-1 0.00 0.00 219,343.92 0.00 47,035,085.58 15-IO 0.00 0.00 9,146.87 0.00 1,953,502.45 X-PO 0.00 0.00 0.00 0.00 569,530.58 15-PO 0.00 0.00 0.00 0.00 442,266.98 15-B-1 0.00 0.00 4,702.19 0.00 1,022,218.03 15-B-2 0.00 0.00 720.97 0.00 156,733.53 15-B-3 0.00 0.00 725.51 0.00 157,719.27 15-B-4 0.00 0.00 480.65 0.00 104,489.02 15-B-5 0.00 0.00 240.32 0.00 52,244.51 15-B-6 0.00 0.00 484.77 0.00 105,384.13 30-B-1 0.00 0.00 22,084.58 0.00 4,412,834.73 30-B-2 0.00 0.00 9,937.81 0.00 1,985,725.81 30-B-3 0.00 0.00 5,524.88 0.00 1,103,955.94 30-B-4 0.00 0.00 5,519.90 0.00 1,102,959.59 30-B-5 0.00 0.00 3,315.93 0.00 662,572.84 30-B-6 0.00 0.00 4,969.57 0.00 992,996.48 Totals 0.00 0.00 1,372,937.57 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-CB-1 109,301,000.00 6.00000% 977.24540764 4.88622702 0.00000000 0.00000000 1-CB-R 100.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 101,300,000.00 6.00000% 970.22530839 4.85112655 0.00000000 0.00000000 CB-IO 0.00 6.00000% 971.22804708 4.85614014 0.00000000 0.00000000 3-A-1 51,035,000.00 5.50000% 937.72617988 4.29791163 0.00000000 0.00000000 15-IO 0.00 5.50000% 935.63313272 4.28831964 0.00000000 0.00000000 X-PO 585,353.00 0.00000% 991.51021691 0.00000000 0.00000000 0.00000000 15-PO 476,514.00 0.00000% 932.46666415 0.00000000 0.00000000 0.00000000 15-B-1 1,037,000.00 5.50000% 989.32683703 4.53441659 0.00000000 0.00000000 15-B-2 159,000.00 5.50000% 989.32685535 4.53440252 0.00000000 0.00000000 15-B-3 160,000.00 5.50000% 989.32681250 4.53443750 0.00000000 0.00000000 15-B-4 106,000.00 5.50000% 989.32688679 4.53443396 0.00000000 0.00000000 15-B-5 53,000.00 5.50000% 989.32679245 4.53433962 0.00000000 0.00000000 15-B-6 106,908.00 5.50000% 989.32680436 4.53445954 0.00000000 0.00000000 30-B-1 4,429,000.00 6.00000% 997.27157823 4.98635809 0.00000000 0.00000000 30-B-2 1,993,000.00 6.00000% 997.27158053 4.98635725 0.00000000 0.00000000 30-B-3 1,108,000.00 6.00000% 997.27157942 4.98635379 0.00000000 0.00000000 30-B-4 1,107,000.00 6.00000% 997.27158085 4.98635953 0.00000000 0.00000000 30-B-5 665,000.00 6.00000% 997.27157895 4.98636090 0.00000000 0.00000000 30-B-6 996,634.00 6.00000% 997.27164636 4.98635407 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-CB-1 0.00000000 0.00000000 4.88622702 0.00000000 955.33630150 1-CB-R 0.00000000 0.00000000 0.80000000 0.00000000 0.00000000 2-CB-1 0.00000000 0.00000000 4.85112655 0.00000000 948.62946209 CB-IO 0.00000000 0.00000000 4.85614014 0.00000000 945.06072815 3-A-1 0.00000000 0.00000000 4.29791163 0.00000000 921.62409288 15-IO 0.00000000 0.00000000 4.28831964 0.00000000 915.85896774 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 972.96943895 15-PO 0.00000000 0.00000000 0.00000000 0.00000000 928.13008642 15-B-1 0.00000000 0.00000000 4.53441659 0.00000000 985.74544841 15-B-2 0.00000000 0.00000000 4.53440252 0.00000000 985.74547170 15-B-3 0.00000000 0.00000000 4.53443750 0.00000000 985.74543750 15-B-4 0.00000000 0.00000000 4.53443396 0.00000000 985.74547170 15-B-5 0.00000000 0.00000000 4.53433962 0.00000000 985.74547170 15-B-6 0.00000000 0.00000000 4.53445954 0.00000000 985.74596850 30-B-1 0.00000000 0.00000000 4.98635809 0.00000000 996.35013096 30-B-2 0.00000000 0.00000000 4.98635725 0.00000000 996.35013046 30-B-3 0.00000000 0.00000000 4.98635379 0.00000000 996.35012635 30-B-4 0.00000000 0.00000000 4.98635953 0.00000000 996.35012647 30-B-5 0.00000000 0.00000000 4.98636090 0.00000000 996.35013534 30-B-6 0.00000000 0.00000000 4.98635407 0.00000000 996.35019476 (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% 6,812,711.21 6,644,512.09 0.00 0.00 95.00683599% 2-IO 6.00000% 5,237,489.02 5,081,025.53 0.00 0.00 93.85913018% X-PO-1 0.00000% 0.00 0.00 314,900.42 314,115.11 99.37835675% X-PO-2 0.00000% 0.00 0.00 246,832.79 236,851.94 95.01746686% X-PO-3 0.00000% 0.00 0.00 18,650.27 18,563.53 92.81300935%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 6,862,984.26 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 6,862,984.26 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 57,712.58 Payment of Interest and Principal 6,805,271.68 Total Withdrawals (Pool Distribution Amount) 6,862,984.26 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 55,386.34 Trustee Fee--Wells Fargo Bank, N.A. 2,326.24 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 57,712.58

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 1 0 0 1 122,772.08 0.00 0.00 122,772.08 30 Days 23 0 0 0 23 2,399,319.97 0.00 0.00 0.00 2,399,319.97 60 Days 1 0 0 0 1 79,861.85 0.00 0.00 0.00 79,861.85 90 Days 1 0 0 0 1 246,187.85 0.00 0.00 0.00 246,187.85 120 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 25 1 0 0 26 2,725,369.67 122,772.08 0.00 0.00 2,848,141.75 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 0.048924% 0.000000% 0.000000% 0.048924% 0.047088% 0.000000% 0.000000% 0.047088% 30 Days 1.125245% 0.000000% 0.000000% 0.000000% 1.125245% 0.920229% 0.000000% 0.000000% 0.000000% 0.920229% 60 Days 0.048924% 0.000000% 0.000000% 0.000000% 0.048924% 0.030630% 0.000000% 0.000000% 0.000000% 0.030630% 90 Days 0.048924% 0.000000% 0.000000% 0.000000% 0.048924% 0.094422% 0.000000% 0.000000% 0.000000% 0.094422% 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 1.223092% 0.048924% 0.000000% 0.000000% 1.272016% 1.045282% 0.047088% 0.000000% 0.000000% 1.092369%

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 14 0 0 0 14 1,213,432.17 0.00 0.00 0.00 1,213,432.17 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 14 0 0 0 14 1,213,432.17 0.00 0.00 0.00 1,213,432.17 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.553829% 0.000000% 0.000000% 0.000000% 1.553829% 1.101657% 0.000000% 0.000000% 0.000000% 1.101657% 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 1.553829% 0.000000% 0.000000% 0.000000% 1.553829% 1.101657% 0.000000% 0.000000% 0.000000% 1.101657% 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 1 0 0 1 122,772.08 0.00 0.00 122,772.08 30 Days 4 0 0 0 4 440,328.85 0.00 0.00 0.00 440,328.85 60 Days 1 0 0 0 1 79,861.85 0.00 0.00 0.00 79,861.85 90 Days 1 0 0 0 1 246,187.85 0.00 0.00 0.00 246,187.85 120 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 1 0 0 7 766,378.55 122,772.08 0.00 0.00 889,150.63 0-29 Days 0.146199% 0.000000% 0.000000% 0.146199% 0.121148% 0.000000% 0.000000% 0.121148% 30 Days 0.584795% 0.000000% 0.000000% 0.000000% 0.584795% 0.434505% 0.000000% 0.000000% 0.000000% 0.434505% 60 Days 0.146199% 0.000000% 0.000000% 0.000000% 0.146199% 0.078805% 0.000000% 0.000000% 0.000000% 0.078805% 90 Days 0.146199% 0.000000% 0.000000% 0.000000% 0.146199% 0.242931% 0.000000% 0.000000% 0.000000% 0.242931% 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 0.877193% 0.146199% 0.000000% 0.000000% 1.023392% 0.756241% 0.121148% 0.000000% 0.000000% 0.877390% 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 5 0 0 0 5 745,558.95 0.00 0.00 0.00 745,558.95 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 5 0 0 0 5 745,558.95 0.00 0.00 0.00 745,558.95 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.089325% 0.000000% 0.000000% 0.000000% 1.089325% 1.514006% 0.000000% 0.000000% 0.000000% 1.514006% 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 1.089325% 0.000000% 0.000000% 0.000000% 1.089325% 1.514006% 0.000000% 0.000000% 0.000000% 1.514006%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 18,684.44

COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 6.457594% Weighted Average Pass-Through Rate 6.197093% Weighted Average Maturity (Stepdown Calculation) 355 Beginning Scheduled Collateral Loan Count 2,073 Number Of Loans Paid In Full 29 Ending Scheduled Collateral Loan Count 2,044 Beginning Scheduled Collateral Balance 265,854,430.43 Ending Scheduled Collateral Balance 260,422,096.28 Ending Actual Collateral Balance at 30-Nov-2004 260,730,660.31 Monthly P &I Constant 1,811,074.71 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Non-PO Optimal Amount 6,707,493.96 Class AP Deferred Amount 0.00 Scheduled Principal 380,424.66 Unscheduled Principal 5,051,909.49

Group Level Collateral Statement Group 1 2 3 Collateral Description Fixed 15 & 30 Year Fixed 15 & 30 Year Fixed 15 & 30 Year Weighted Average Coupon Rate 6.607173 6.549898 5.929350 Weighted Average Net Rate 6.357172 6.299898 5.668846 Weighted Average Maturity 355 355 175 Beginning Loan Count 915 694 464 Loans Paid In Full 14 10 5 Ending Loan Count 901 684 459 Beginning Scheduled Balance 112,460,160.43 103,469,833.59 49,924,436.41 Ending scheduled Balance 110,059,784.20 101,267,607.54 49,094,704.54 Record Date 11/30/2004 11/30/2004 11/30/2004 Principal And Interest Constant 722,687.06 660,902.18 427,485.47 Scheduled Principal 103,483.95 96,138.14 180,802.57 Unscheduled Principal 2,296,892.28 2,106,087.91 648,929.30 Scheduled Interest 619,203.11 564,764.04 246,682.90 Servicing Fees 23,429.19 21,556.22 10,400.93 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 984.04 905.35 436.85 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 594,789.88 542,302.47 235,845.12 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 6.346671 6.289399 5.679348

Group Level Collateral Statement Group Total Collateral Description Mixed Fixed Weighted Average Coupon Rate 6.457594 Weighted Average Net Rate 6.207593 Weighted Average Maturity 355 Beginning Loan Count 2,073 Loans Paid In Full 29 Ending Loan Count 2,044 Beginning Scheduled Balance 265,854,430.43 Ending scheduled Balance 260,422,096.28 Record Date 11/30/2004 Principal And Interest Constant 1,811,074.71 Scheduled Principal 380,424.66 Unscheduled Principal 5,051,909.49 Scheduled Interest 1,430,650.05 Servicing Fees 55,386.34 Master Servicing Fees 0.00 Trustee Fee 2,326.24 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 1,372,937.47 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 6.197093

Miscellaneous Reporting Group 1 CPR 21.952810% Subordinate % 4.753976% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.246024% Group 2 CPR 21.886500% Subordinate % 4.784957% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.215043% Group 3 CPR 14.578791% Subordinate % 3.244137% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 96.755863%

Filing Compare · Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-8