Correction: Banc of America $443.1MM Alternative Loan Trust 2004-6 Rated By Fitch.

NEW YORK -- (This is an amended version of a press release issued yesterday and contains information on Banc of America 2004-6, not 2004-5, and includes the groups 3 and 4 certificates' rating of 'AAA'.)

Banc of America Alternative Loan Trust (BoAALT) 2004-6 mortgage pass-through certificates are rated by Fitch Ratings as follows:

Groups 1, 2, and 3 certificates:

-- $293,690,000 classes 1-A-1, 2-A-1, 3-A-1 through 3-A-3, CB-IO (consisting of classes 1-IO and 2-IO components), and 3-IO 'AAA'; (groups 1, 2, and 3 senior certificates)

-- $100 classes 1-A-R and 1-A-LR 'AAA' (senior certificates);

-- $5,984,000 class 30-B-1 'AA';

-- $2,911,000 class 30-B-2 'A';

-- $1,617,000 class 30-B-3 'BBB';

-- $1,617,000 class 30-B-4 'BB';

-- $1,132,000 class 30-B-5 'B'.

Group 4 certificates:

-- $118,522,942 classes 4-A-1, 15-PO, and 4-IO 'AAA' (group 4 senior certificates);

-- $1,576,000 class 4-B-1 'AA';

-- $242,000 class 4-B-2 'A';

-- $364,000 class 4-B-3 'BBB';

-- $182,000 class 4-B-4 'BB';

-- $121,000 class 4-B-5 'B'.

Groups 3 and 4 certificates:

-- $15,171,278 class X-PO 'AAA' (consisting of classes 1-X-PO, 2-X-PO, 3-X-PO, and 4-X-PO components).

The 'AAA' ratings on the groups 1, 2, and 3 senior certificates reflect the 4.50% subordination provided by the 1.85% class 30-B-1, the 0.90% class 30-B-2, the 0.50% class 30-B-3, the 0.50% privately offered class 30-B-4, the 0.35% privately offered class 30-B-5, and the 0.40% privately offered class 30-B-6. Classes 30-B-1, 30-B-2, 30-B-3, and the privately offered classes 30-B-4 and 30-B-5 are rated 'AA', 'A', 'BBB', 'BB', and 'B', respectively, based on their subordination.

The 'AAA' ratings on the group 4 senior certificates reflects the 2.20% subordination provided by the 1.30% class 4-B-1, the 0.20% class 4-B-2, the 0.30% class 4-B-3, the 0.15% privately offered class 4-B-4, the 0.10% privately offered class 4-B-5, and the 0.15% privately offered class 4-B-6. Classes 4-B-1, 4-B-2, 4-B-3, and the privately offered classes 4-B-4 and 4-B-5 are rated 'AA', 'A', 'BBB', 'BB', and 'B', respectively, based on their subordination.

The ratings also reflect the quality of the underlying collateral, the primary servicing capabilities of Bank of America Mortgage, Inc. (rated 'RPS1' by Fitch), and Fitch's confidence in the integrity of the legal and financial structure of the transaction.

The transaction is secured by four pools of mortgage loans. Loan groups 1, 2, and 3 are cross-collateralized and are supported by one set of subordinate certificates. The class 4-A certificates and its set of subordinate certificates correspond to loan group 4. The class X-PO certificates consist of four nonseverable components relating to each loan group for distribution purposes only. Additionally, the class 15-PO certificates relate to loan group 4.

Approximately 6.43%, 62.16%, 84.50%, and 22.97% of the mortgage loans in groups 1, 2, 3, and 4, respectively, were underwritten using Bank of America's 'Alternative A' guidelines. These guidelines are less stringent than Bank of America's general underwriting guidelines and could include limited documentation or higher maximum loan-to-value ratios. Mortgage loans underwritten to Alternative A guidelines could experience higher rates of default and losses than loans underwritten using Bank of America's general underwriting guidelines.

The group 1 collateral consists of 1,371 recently originated, conventional, fixed-rate, fully amortizing, first lien, and one- to four-family residential mortgage loans with original terms to stated maturity ranging from 300 to 360 months. The aggregate outstanding balance of the pool as of June 1, 2004 (the cut-off date) is $182,966,030, with an average balance of $133,454 and a weighted average coupon of 5.970%. The weighted average original loan-to-value ratio (OLTV) for the mortgage loans in the pool is approximately 65.63%. The weighted average FICO credit score for the group is 739. Second homes and investor-occupied properties constitute 2.40% and 97.60% of the loans in group 1, respectively. Rate/term and cashout refinances account for 29.60% and 38.45%, respectively, of the loans in group 1. The states that represent the largest geographic concentration of mortgaged properties are California (42.75%) and Florida (13.13%). All other states represent less than 5% of the group 1 mortgage loans.

The group 2 collateral consists of 654 recently originated, conventional, fixed-rate, fully amortizing, first lien, and one- to four-family residential mortgage loans with original terms to stated maturity ranging from 240 to 360 months. The aggregate outstanding balance of the pool as of the cut-off date is $102,577,879, with an average balance of $156,847 and a weighted average coupon of 6.040%. The weighted average OLTV for the mortgage loans in the pool is approximately 79.53%. The weighted average FICO credit score for the group is 733. All of the loans in group 2 are owner-occupied. Rate/term and cashout refinances account for 15.22% and 18.21%, respectively, of the loans in group 2. The states that represent the largest geographic concentration of mortgaged properties are California (16.20%), Florida (13.47%), Texas (7.88%), Virginia (5.97%), and Maryland (5.65%). All other states represent less than 5% of the group 2 mortgage loans.

The group 3 collateral consists of 79 recently originated, conventional, fixed-rate, fully amortizing, first lien, and one- to two-family residential mortgage loans with an original term-to-stated maturity of 360 months. The aggregate outstanding balance of the pool as of the cut-off date is $37,862,167, with an average balance of $479,268 and a weighted average coupon of 6.011%. The weighted average OLTV for the mortgage loans in the pool is approximately 68.03%. The weighted average FICO credit score for the group is 728. Investor-occupied properties constitute 2.30% of the loans in group 3 and there are no second-home properties. Rate/term and cashout refinances account for 34.80% and 25.82%, respectively, of the loans in group 3. The states that represent the largest geographic concentration of mortgaged properties are California (54.07%), Florida (7.52%), and Maryland (6.06%). All other states represent less than 5% of the group 3 mortgage loans.

The group 4 collateral consists of 1,019 recently originated, conventional, fixed-rate, fully amortizing, first lien, and one- to four-family residential mortgage loans with original terms-to-stated maturity ranging from 120 to 180 months. The aggregate outstanding balance of the pool as of the cut-off date is $121,200,029, with an average balance of $118,940 and a weighted average coupon of 5.301%. The weighted average OLTV for the mortgage loans in the pool is approximately 58.13%. The weighted average FICO credit score for the group is 742. Second homes and investor-occupied properties constitute 5.34% and 74.92%, respectively, of the loans in group 4. Rate/term and cashout refinances account for 43.41% and 39.01%, respectively, of the loans in group 4. The states that represent the largest geographic concentration of mortgaged properties are California (46.90%), Florida (13.79%), and Texas (5.42%). All other states represent less than 5% of the group 4 mortgage loans.

None of the mortgage loans are 'high cost' loans as defined under any local, state, or federal laws. For additional information on Fitch's rating criteria regarding predatory lending legislation, see the press release 'Fitch Revises Rating Criteria in Wake of Predatory Lending Legislation,' dated May 1, 2003, available on the Fitch Ratings web site at 'www.fitchratings.com.'

Banc of America Mortgage Securities, Inc. deposited the loans in the trust, which issued the certificates, representing undivided beneficial ownership in the trust. For federal income tax purposes, elections will be made to treat the trust as two separate real estate mortgage investment conduits (REMICs). Wells Fargo Bank, National Association will act as trustee.