Filed Pursuant to Rule 433
Registration No.: 333-118843
Banc of America Securities LLC
BoAAlt 06-1
Group 4
1. General Pool Characteristics
Pool Size: $61,146,614.76
Loan Count: 367
Cut-off Date: 2006-01-01
Avg. Loan Balance: $166,612.03
Avg. Orig. Balance: $166,680.84
W.A. FICO*: 728
W.A. Orig. LTV: 75.96%
W.A. Cut-Off LTV: 75.93%
W.A. Gross Coupon: 6.8364%
W.A. Net Coupon: 6.5799%
W.A. Admin Fee: 0.2565%
W.A. Orig. Term: 360 months
W.A. Rem. Term: 359 months
W.A. Age: 0 months
% over 80 COLTV: 7.06%
% over 100 COLTV: 0.44%
% with PMI: 7.06%
% over 80 with PMI: 100.00%
W.A. MI Coverage: 26.10%
W.A. MI Adjusted LTV: 74.23%
% Second Lien: 0.00%
% with Prepay Penalty: 0.00%
% Balloon: 0.00%
Max. Zipcode Conc.: 0.98%
% Conforming: 100.00%
*Excludes Non-Resident Aliens
2. Original Balance
Original Balance Percent
- ----------------------------
<= 50,000 0.55%
50,001 - 100,000 11.12
100,001 - 150,000 21.39
150,001 - 200,000 17.36
200,001 - 250,000 14.11
250,001 - 300,000 13.95
300,001 - 350,000 9.08
350,001 - 400,000 11.10
400,001 - 450,000 1.33
- ----------------------------
Total: 100.00%
Average: $166,680.84
Lowest: $28,000.00
Highest: $416,000.00
3. Cut-Off Balance
Cut-Off Balance Percent
- ----------------------------
<= 50,000 0.55%
50,001 - 100,000 11.12
100,001 - 150,000 21.39
150,001 - 200,000 17.36
200,001 - 250,000 14.11
250,001 - 300,000 13.95
300,001 - 350,000 9.08
350,001 - 400,000 11.76
400,001 - 450,000 0.68
- ----------------------------
Total: 100.00%
Average: $166,612.03
Lowest: $27,975.29
Highest: $416,000.00
4. Index
Index Percent
- ----------------------------
FIX 100.00%
- ----------------------------
Total: 100.00%
5. Product Type
Product Type Percent
- ----------------------------
30 YR FIXED 99.87%
25 YR FIXED 0.13
- ----------------------------
Total: 100.00%
6. Coupon
Coupon Percent
- ----------------------------
6.625 27.81%
6.750 23.42
6.875 27.57
7.000 11.04
7.125 3.33
7.250 2.86
7.375 1.55
7.500 0.49
7.625 0.62
7.750 0.91
7.875 0.40
- ----------------------------
Total: 100.00%
W.A.: 6.836
Lowest: 6.625
Highest: 7.875
7. Credit Score
Credit Score Percent
- ----------------------------
800 - 849 5.91%
750 - 799 27.17
700 - 749 37.06
650 - 699 26.80
600 - 649 2.47
N/A 0.59
- ----------------------------
Total: 100.00%
W.A.: 728
Lowest: 627
Highest: 830
8. Lien Position
Lien Position Percent
- ----------------------------
1 100.00%
- ----------------------------
Total: 100.00%
9. Loan Purpose
Loan Purpose Percent
- ----------------------------
Purchase 68.44%
Refinance-Cashout 23.39
Refinance-Rate/Term 6.96
Cons/Perm 1.21
- ----------------------------
Total: 100.00%
10. Property Type
Property Type Percent
- ----------------------------
SFR 69.15%
PUD Detached 12.39
Condo 9.36
PUD Attached 3.61
2-Family 3.37
3-Family 1.01
Townhouse 0.63
4-Family 0.49
- ----------------------------
Total: 100.00%
11. Documentation
Documentation Percent
- ----------------------------
Standard 46.56%
Stated 41.14
Reduced 8.20
No Ratio 3.54
Rapid 0.57
- ----------------------------
Total: 100.00%
12. Occupancy Status
Occupancy Status Percent
- ----------------------------
Primary 93.15%
Secondary 6.85
- ----------------------------
Total: 100.00%
13. PMI Providers
PMI Providers Percent
- ----------------------------
NONE 92.94%
UGRIC 2.68
RGIC 1.35
RMIC 1.10
PMIC 0.67
GEMIC 0.64
MGIC 0.37
TGIC 0.26
- ----------------------------
Total: 100.00%
14. State
State Percent
- ----------------------------
Florida 17.37%
California 10.60
Texas 8.15
Maryland 6.30
Illinois 5.46
Other 52.12
- ----------------------------
Total: 100.00%
15. California
California Percent
- ----------------------------
Northern 30.65%
Southern 69.35
- ----------------------------
Total: 100.00%
16. Zip Code
Zip Code Percent
- ----------------------------
21701 0.98%
89052 0.87
95632 0.86
32092 0.81
34997 0.78
Other 95.69
- ----------------------------
Total: 100.00%
17. Delinquency*
Delinquency* Percent
- ----------------------------
0-29 days 100.00%
- ----------------------------
Total: 100.00%
* MBA method
18. Times 30 Days DLQ
Times 30 Days DLQ Percent
- ----------------------------
0 100.00%
- ----------------------------
Total: 100.00%
19. Convertible Flag
Convertible Flag Percent
- ----------------------------
N 100.00%
- ----------------------------
Total: 100.00%
20. Buydown Agreement
Buydown Agreement Percent
- ----------------------------
N 100.00%
- ----------------------------
Total: 100.00%
21. Original Term
Original Term Percent
- ----------------------------
300 0.13%
360 99.87
- ----------------------------
Total: 100.00%
W.A.: 359.9 months
Lowest: 300 months
Highest: 360 months
22. Cut-Off Remaining Term
Cut-Off
Remaining Term Percent
- ----------------------------
295 - 300 0.13%
355 - 360 99.87
- ----------------------------
Total: 100.00%
W.A.: 359.5 months
Lowest: 299 months
Highest: 360 months
23. Cutoff Loan Age
Cutoff Loan Age Percent
- ----------------------------
0 56.99%
1 - 6 43.01
- ----------------------------
Total: 100.00%
W.A.: 0.4 months
Lowest: 0 months
Highest: 4 months
24. OLTV
OLTV Percent
- ----------------------------
<= 20.00 0.16%
20.01 - 25.00 0.14
25.01 - 30.00 0.22
30.01 - 35.00 1.23
40.01 - 45.00 1.25
45.01 - 50.00 1.93
50.01 - 55.00 1.75
55.01 - 60.00 4.02
60.01 - 65.00 1.82
65.01 - 70.00 6.45
70.01 - 75.00 4.30
75.01 - 80.00 69.65
80.01 - 85.00 0.27
85.01 - 90.00 4.87
90.01 - 95.00 0.91
95.01 - 100.00 0.58
>= 100.01 0.44
- ----------------------------
Total: 100.00%
W.A.: 75.96%
Lowest: 19.23%
Highest: 103.00%
25. Cut-Off LTV
Cut-Off LTV Percent
- ----------------------------
<= 20.00 0.16%
20.01 - 25.00 0.14
25.01 - 30.00 0.22
30.01 - 35.00 1.23
40.01 - 45.00 1.25
45.01 - 50.00 1.93
50.01 - 55.00 1.75
55.01 - 60.00 4.02
60.01 - 65.00 1.82
65.01 - 70.00 6.45
70.01 - 75.00 4.30
75.01 - 80.00 69.65
80.01 - 85.00 0.27
85.01 - 90.00 4.87
90.01 - 95.00 0.91
95.01 - 100.00 0.58
>= 100.01 0.44
- ----------------------------
Total: 100.00%
W.A.: 75.93%
Lowest: 19.21%
Highest: 103.00%
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Banc of America Securities LLC
BoAAlt 06-1
Total 30 yr Fixed Rate Pool
1. General Pool Characteristics
Pool Size: $347,675,221.22
Loan Count: 2,258
Cut-off Date: 2006-01-01
Avg. Loan Balance: $153,974.85
Avg. Orig. Balance: $154,061.72
W.A. FICO*: 733
W.A. Orig. LTV: 72.28%
W.A. Cut-Off LTV: 72.24%
W.A. Gross Coupon: 6.5323%
W.A. Net Coupon: 6.2758%
W.A. Admin Fee: 0.2565%
W.A. Orig. Term: 359 months
W.A. Rem. Term: 358 months
W.A. Age: 1 month
% over 80 COLTV: 7.28%
% over 100 COLTV: 0.08%
% with PMI: 7.28%
% over 80 with PMI: 99.40%
W.A. MI Coverage: 24.31%
W.A. MI Adjusted LTV: 70.64%
% Second Lien: 0.00%
% with Prepay Penalty: 0.00%
% Balloon: 0.00%
Max. Zipcode Conc.: 1.20%
% Conforming: 100.00%
*Excludes Non-Resident Aliens
2. Original Balance
Original Balance Percent
- ----------------------------
<= 50,000 1.69%
50,001 - 100,000 13.16
100,001 - 150,000 21.42
150,001 - 200,000 17.78
200,001 - 250,000 14.63
250,001 - 300,000 11.63
300,001 - 350,000 7.09
350,001 - 400,000 7.56
400,001 - 450,000 3.72
450,001 - 500,000 0.67
500,001 - 550,000 0.45
650,001 - 700,000 0.19
- ----------------------------
Total: 100.00%
Average: $154,061.72
Lowest: $18,000.00
Highest: $675,000.00
3. Cut-Off Balance
Cut-Off Balance Percent
- ----------------------------
<= 50,000 1.69%
50,001 - 100,000 13.16
100,001 - 150,000 21.42
150,001 - 200,000 17.78
200,001 - 250,000 14.70
250,001 - 300,000 11.56
300,001 - 350,000 7.09
350,001 - 400,000 7.67
400,001 - 450,000 3.61
450,001 - 500,000 0.67
500,001 - 550,000 0.45
650,001 - 700,000 0.19
- ----------------------------
Total: 100.00%
Average: $153,974.85
Lowest: $17,983.72
Highest: $674,343.93
4. Index
Index Percent
- ----------------------------
FIX 100.00%
- ----------------------------
Total: 100.00%
5. Product Type
Product Type Percent
- ----------------------------
30 YR FIXED 98.73%
20 YR FIXED 0.72
25 YR FIXED 0.51
23 YR FIXED 0.03
24 YR FIXED 0.02
- ----------------------------
Total: 100.00%
6. Coupon
Coupon Percent
- ----------------------------
5.125 0.03%
5.250 0.09
5.375 0.14
5.500 0.11
5.625 0.35
5.750 1.64
5.875 3.94
6.000 4.08
6.125 4.38
6.250 11.66
6.375 12.34
6.500 15.23
6.625 9.02
6.750 16.05
6.875 10.54
7.000 4.68
7.125 3.17
7.250 0.88
7.375 0.56
7.500 0.61
7.625 0.15
7.750 0.20
7.875 0.14
- ----------------------------
Total: 100.00%
W.A.: 6.532
Lowest: 5.125
Highest: 7.875
7. Credit Score
Credit Score Percent
- ----------------------------
800 - 849 5.13%
750 - 799 36.40
700 - 749 34.07
650 - 699 20.26
600 - 649 3.49
N/A 0.65
- ----------------------------
Total: 100.00%
W.A.: 733
Lowest: 604
Highest: 839
8. Lien Position
Lien Position Percent
- ----------------------------
1 100.00%
- ----------------------------
Total: 100.00%
9. Loan Purpose
Loan Purpose Percent
- ----------------------------
Purchase 59.25%
Refinance-Cashout 30.19
Refinance-Rate/Term 9.90
Cons/Perm 0.67
- ----------------------------
Total: 100.00%
10. Property Type
Property Type Percent
- ----------------------------
SFR 54.38%
2-Family 12.93
Condo 11.88
PUD Detached 11.45
PUD Attached 3.08
3-Family 2.64
4-Family 2.43
Townhouse 1.22
- ----------------------------
Total: 100.00%
11. Documentation
Documentation Percent
- ----------------------------
Reduced 34.49%
Standard 33.95
Stated 25.57
No Ratio 5.03
Rapid 0.63
All Ready Home 0.33
- ----------------------------
Total: 100.00%
12. Occupancy Status
Occupancy Status Percent
- ----------------------------
Investor 48.81%
Primary 47.06
Secondary 4.13
- ----------------------------
Total: 100.00%
13. PMI Providers
PMI Providers Percent
- ----------------------------
NONE 92.72%
UGRIC 1.97
PMIC 1.41
RMIC 1.21
GEMIC 1.15
RGIC 1.07
MGIC 0.28
TGIC 0.18
- ----------------------------
Total: 100.00%
14. State
State Percent
- ----------------------------
California 16.25%
Florida 14.59
Texas 7.88
North Carolina 4.37
South Carolina 4.04
Other 52.87
- ----------------------------
Total: 100.00%
15. California
California Percent
- ----------------------------
Northern 36.95%
Southern 63.05
- ----------------------------
Total: 100.00%
16. Zip Code
Zip Code Percent
- ----------------------------
86429 1.20%
60625 0.32
33178 0.25
92114 0.25
11356 0.24
Other 97.74
- ----------------------------
Total: 100.00%
17. Delinquency*
Delinquency* Percent
- ----------------------------
0-29 days 100.00%
- ----------------------------
Total: 100.00%
* MBA method
18. Times 30 Days DLQ
Times 30 Days DLQ Percent
- ----------------------------
0 99.80%
1 0.20
- ----------------------------
Total: 100.00%
19. Convertible Flag
Convertible Flag Percent
- ----------------------------
N 100.00%
- ----------------------------
Total: 100.00%
20. Buydown Agreement
Buydown Agreement Percent
- ----------------------------
N 99.94%
Y 0.06
- ----------------------------
Total: 100.00%
21. Original Term
Original Term Percent
- ----------------------------
240 0.72%
276 0.03
288 0.02
300 0.51
360 98.73
- ----------------------------
Total: 100.00%
W.A.: 358.8 months
Lowest: 240 months
Highest: 360 months
22. Cut-Off Remaining Term
Cut-Off
Remaining Term Percent
- ----------------------------
235 - 240 0.72%
241 - 288 0.04
295 - 300 0.51
355 - 360 98.73
- ----------------------------
Total: 100.00%
W.A.: 358.3 months
Lowest: 237 months
Highest: 360 months
23. Cutoff Loan Age
Cutoff Loan Age Percent
- ----------------------------
0 51.50%
1 - 6 48.50
- ----------------------------
Total: 100.00%
W.A.: 0.5 months
Lowest: 0 months
Highest: 5 months
24. OLTV
OLTV Percent
- ----------------------------
<= 20.00 0.83%
20.01 - 25.00 0.44
25.01 - 30.00 0.77
30.01 - 35.00 1.37
35.01 - 40.00 1.40
40.01 - 45.00 2.23
45.01 - 50.00 2.25
50.01 - 55.00 3.23
55.01 - 60.00 4.14
60.01 - 65.00 4.21
65.01 - 70.00 10.47
70.01 - 75.00 9.87
75.01 - 80.00 51.47
80.01 - 85.00 0.92
85.01 - 90.00 5.19
90.01 - 95.00 0.83
95.01 - 100.00 0.29
>= 100.01 0.08
- ----------------------------
Total: 100.00%
W.A.: 72.28%
Lowest: 8.06%
Highest: 103.00%
25. Cut-Off LTV
Cut-Off LTV Percent
- ----------------------------
<= 20.00 0.83%
20.01 - 25.00 0.44
25.01 - 30.00 0.77
30.01 - 35.00 1.37
35.01 - 40.00 1.40
40.01 - 45.00 2.23
45.01 - 50.00 2.25
50.01 - 55.00 3.23
55.01 - 60.00 4.14
60.01 - 65.00 4.29
65.01 - 70.00 10.38
70.01 - 75.00 9.89
75.01 - 80.00 51.49
80.01 - 85.00 0.88
85.01 - 90.00 5.19
90.01 - 95.00 0.83
95.01 - 100.00 0.29
>= 100.01 0.08
- ----------------------------
Total: 100.00%
W.A.: 72.24%
Lowest: 8.06%
Highest: 103.00%
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
BoAAlt 06-1
Total Pool
Original Remaining
Scheduled Term to Original Term to Total
Principal Stated Amortization Stated Loan Gross Admin Net
Coupon Balance Maturity Term Maturity Age Coupon Fee Coupon
- ------------------------------------------------------------------------------------------------------------------------------------
5.125 104,751.29 240 240 237 3 5.1250000000 0.2565000000 4.8685000000
5.250 299,290.96 240 240 239 1 5.2500000000 0.2565000000 4.9935000000
5.375 478,444.55 360 360 357 3 5.3750000000 0.2565000000 5.1185000000
5.500 384,463.57 360 360 359 1 5.5000000000 0.2565000000 5.2435000000
5.625 1,217,097.73 347 347 347 0 5.6250000000 0.2565000000 5.3685000000
5.750 5,697,805.31 346 346 345 1 5.7500000000 0.2565000000 5.4935000000
5.875 13,710,480.46 359 359 358 1 5.8750000000 0.2565000000 5.6185000000
6.000 14,183,794.87 360 360 359 1 6.0000000000 0.2565000000 5.7435000000
6.125 15,235,576.84 358 358 357 1 6.1250000000 0.2565000000 5.8685000000
6.250 40,546,123.05 360 360 359 1 6.2500000000 0.2565000000 5.9935000000
6.375 42,890,585.29 358 358 357 1 6.3750000000 0.2565000000 6.1185000000
6.500 52,964,252.90 359 359 359 0 6.5000000000 0.2565000000 6.2435000000
6.625 31,356,655.75 360 360 359 1 6.6250000000 0.2565000000 6.3685000000
6.750 55,798,343.79 359 359 359 0 6.7500000000 0.2565000000 6.4935000000
6.875 36,662,024.11 359 359 359 0 6.8750000000 0.2565000000 6.6185000000
7.000 16,287,435.90 359 359 359 0 7.0000000000 0.2565000000 6.7435000000
7.125 11,030,268.88 359 359 359 0 7.1250000000 0.2565000000 6.8685000000
7.250 3,068,288.99 360 360 360 0 7.2500000000 0.2565000000 6.9935000000
7.375 1,934,198.23 354 354 354 0 7.3750000000 0.2565000000 7.1185000000
7.500 2,119,989.26 360 360 360 0 7.5000000000 0.2565000000 7.2435000000
7.625 520,960.48 360 360 360 0 7.6250000000 0.2565000000 7.3685000000
7.750 700,496.81 360 360 360 0 7.7500000000 0.2565000000 7.4935000000
7.875 483,892.20 360 360 359 1 7.8750000000 0.2565000000 7.6185000000
- ------------------------------------------------------------------------------------------------------------------------------------
Grand Total: 347,675,221.22 359 359 358 1 6.5323417580 0.2565000000 6.2758417580
- ------------------------------------------------------------------------------------------------------------------------------------
Group 1
Original Remaining
Scheduled Term to Original Term to Total
Principal Stated Amortization Stated Loan Gross Admin Net
Coupon Balance Maturity Term Maturity Age Coupon Fee Coupon
- ------------------------------------------------------------------------------------------------------------------------------------
5.625 356,250.00 360 360 360 0 5.6250000000 0.2565000000 5.3685000000
5.750 1,825,227.49 360 360 358 2 5.7500000000 0.2565000000 5.4935000000
5.875 4,813,196.47 360 360 359 1 5.8750000000 0.2565000000 5.6185000000
6.000 3,320,234.42 360 360 359 1 6.0000000000 0.2565000000 5.7435000000
6.125 4,372,449.90 360 360 359 1 6.1250000000 0.2565000000 5.8685000000
6.250 18,635,142.79 359 359 358 1 6.2500000000 0.2565000000 5.9935000000
6.375 18,222,932.77 359 359 358 1 6.3750000000 0.2565000000 6.1185000000
6.500 24,042,794.78 359 359 359 0 6.5000000000 0.2565000000 6.2435000000
- ------------------------------------------------------------------------------------------------------------------------------------
Grand Total: 75,588,228.62 360 360 359 1 6.3025443161 0.2565000000 6.0460443161
- ------------------------------------------------------------------------------------------------------------------------------------
Group 2
Original Remaining
Scheduled Term to Original Term to Total
Principal Stated Amortization Stated Loan Gross Admin Net
Coupon Balance Maturity Term Maturity Age Coupon Fee Coupon
- ------------------------------------------------------------------------------------------------------------------------------------
5.125 104,751.29 240 240 237 3 5.1250000000 0.2565000000 4.8685000000
5.250 299,290.96 240 240 239 1 5.2500000000 0.2565000000 4.9935000000
5.375 478,444.55 360 360 357 3 5.3750000000 0.2565000000 5.1185000000
5.500 384,463.57 360 360 359 1 5.5000000000 0.2565000000 5.2435000000
5.625 860,847.73 343 343 342 1 5.6250000000 0.2565000000 5.3685000000
5.750 3,872,577.82 340 340 339 1 5.7500000000 0.2565000000 5.4935000000
5.875 8,897,283.99 359 359 358 1 5.8750000000 0.2565000000 5.6185000000
6.000 10,863,560.45 360 360 359 1 6.0000000000 0.2565000000 5.7435000000
6.125 10,863,126.94 357 357 356 1 6.1250000000 0.2565000000 5.8685000000
6.250 21,910,980.26 360 360 359 1 6.2500000000 0.2565000000 5.9935000000
6.375 24,667,652.52 357 357 357 0 6.3750000000 0.2565000000 6.1185000000
6.500 28,921,458.12 360 360 359 1 6.5000000000 0.2565000000 6.2435000000
- ------------------------------------------------------------------------------------------------------------------------------------
Grand Total: 112,124,438.20 358 358 357 1 6.2438025737 0.2565000000 5.9873025737
- ------------------------------------------------------------------------------------------------------------------------------------
Group 3
Original Remaining
Scheduled Term to Original Term to Total
Principal Stated Amortization Stated Loan Gross Admin Net
Coupon Balance Maturity Term Maturity Age Coupon Fee Coupon
- ------------------------------------------------------------------------------------------------------------------------------------
6.625 14,352,048.79 360 360 359 1 6.6250000000 0.2565000000 6.3685000000
6.750 41,476,953.97 358 358 358 0 6.7500000000 0.2565000000 6.4935000000
6.875 19,802,233.59 359 359 359 0 6.8750000000 0.2565000000 6.6185000000
7.000 9,538,263.23 359 359 359 0 7.0000000000 0.2565000000 6.7435000000
7.125 8,991,389.23 359 359 359 0 7.1250000000 0.2565000000 6.8685000000
7.250 1,321,808.87 360 360 360 0 7.2500000000 0.2565000000 6.9935000000
7.375 987,745.41 349 349 348 1 7.3750000000 0.2565000000 7.1185000000
7.500 1,818,189.26 360 360 360 0 7.5000000000 0.2565000000 7.2435000000
7.625 140,960.48 360 360 360 0 7.6250000000 0.2565000000 7.3685000000
7.750 146,096.81 360 360 359 1 7.7500000000 0.2565000000 7.4935000000
7.875 240,250.00 360 360 360 0 7.8750000000 0.2565000000 7.6185000000
- ------------------------------------------------------------------------------------------------------------------------------------
Grand Total: 98,815,939.64 359 359 359 0 6.8473447770 0.2565000000 6.5908447770
- ------------------------------------------------------------------------------------------------------------------------------------
Group 4
Original Remaining
Scheduled Term to Original Term to Total
Principal Stated Amortization Stated Loan Gross Admin Net
Coupon Balance Maturity Term Maturity Age Coupon Fee Coupon
- ------------------------------------------------------------------------------------------------------------------------------------
6.625 17,004,606.96 360 360 359 1 6.6250000000 0.2565000000 6.3685000000
6.750 14,321,389.82 360 360 360 0 6.7500000000 0.2565000000 6.4935000000
6.875 16,859,790.52 360 360 360 0 6.8750000000 0.2565000000 6.6185000000
7.000 6,749,172.67 360 360 360 0 7.0000000000 0.2565000000 6.7435000000
7.125 2,038,879.65 360 360 360 0 7.1250000000 0.2565000000 6.8685000000
7.250 1,746,480.12 360 360 359 1 7.2500000000 0.2565000000 6.9935000000
7.375 946,452.82 360 360 360 0 7.3750000000 0.2565000000 7.1185000000
7.500 301,800.00 360 360 360 0 7.5000000000 0.2565000000 7.2435000000
7.625 380,000.00 360 360 360 0 7.6250000000 0.2565000000 7.3685000000
7.750 554,400.00 360 360 360 0 7.7500000000 0.2565000000 7.4935000000
7.875 243,642.20 360 360 359 1 7.8750000000 0.2565000000 7.6185000000
- ------------------------------------------------------------------------------------------------------------------------------------
Grand Total: 61,146,614.76 359 359 359 0 6.8364461843 0.2565000000 6.5799461843
- ------------------------------------------------------------------------------------------------------------------------------------
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Global Structured Finance
BoAAlt 06-1
Group 1
1. Original Balance
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Balance Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
1 - 100,000 168 $11,951,778 15.81% 66.00% 2.21% 90.00% 738 621 27.07%
100,001 - 200,000 212 30,046,164 39.75 66.15 1.10 90.00 742 633 30.16
200,001 - 300,000 79 19,414,610 25.68 67.69 0.45 90.00 736 619 37.22
300,001 - 400,000 27 9,339,494 12.36 69.85 0.97 90.00 755 642 31.89
400,001 - 500,000 10 4,315,440 5.71 66.08 0.00 80.00 749 648 71.09
500,001 - 600,000 1 520,743 0.69 75.00 0.00 75.00 766 766 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Balance Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
1 - 100,000 0.00% 32.02% 72.38% $71,218 1
100,001 - 200,000 0.00 35.55 58.76 141,814 1
200,001 - 300,000 0.00 46.35 55.56 245,920 1
300,001 - 400,000 0.00 29.23 25.00 346,144 1
400,001 - 500,000 0.00 19.91 9.66 431,743 1
500,001 - 600,000 0.00 0.00 0.00 521,250 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
Average: $152,196.27
Lowest: $18,000.00
Highest: $521,250.00
2. Coupon
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Coupon Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
5.501 - 6.000 66 $10,314,908 13.65% 65.70% 0.69% 90.00% 744 642 38.43%
6.001 - 6.500 431 65,273,320 86.35 67.25 1.07 90.00 742 619 33.90
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Coupon Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
5.501 - 6.000 0.00% 36.94% 43.69% $156,430 1
6.001 - 6.500 0.00 35.67 54.14 151,548 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
W.A.: 6.303
Lowest: 5.625
Highest: 6.500
3. Credit Score
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Credit Score Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
800 - 849 39 $5,361,074 7.09% 61.85% 0.40% 90.00% 808 800 29.62%
750 - 799 214 35,706,348 47.24 67.46 1.04 90.00 771 750 33.68
700 - 749 147 20,222,447 26.75 68.72 1.81 90.00 726 700 34.53
650 - 699 76 10,786,497 14.27 65.05 0.00 80.00 678 651 33.29
600 - 649 21 3,511,863 4.65 67.04 0.36 90.00 638 619 54.21
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Credit Score Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
800 - 849 0.00% 11.35% 58.47% $137,549 1
750 - 799 0.00 30.88 49.42 166,986 1
700 - 749 0.00 44.10 59.31 137,656 1
650 - 699 0.00 48.60 51.52 142,010 1
600 - 649 0.00 37.10 43.03 167,324 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
W.A.: 742
Lowest: 619
Highest: 839
4. Index
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Index Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
FIX 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Index Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
FIX 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
5. Loan Purpose
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Loan Purpose Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Purchase 247 $36,773,884 48.65% 72.59% 1.57% 90.00% 754 621 30.29%
Refinance-Cashout 174 27,096,602 35.85 61.51 0.21 90.00 733 619 38.01
Refinance-Rate/Term 76 11,717,742 15.50 62.39 1.18 90.00 728 629 39.70
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Loan Purpose Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Purchase 0.00% 0.00% 48.36% $148,996 1
Refinance-Cashout 0.00 100.00 60.35 155,826 1
Refinance-Rate/Term 0.00 0.00 48.70 154,285 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
6. Property Type
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Property Type Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
SFR 262 $33,902,553 44.85% 65.35% 1.63% 90.00% 743 621 28.55%
2-Family 70 12,958,713 17.14 70.82 0.50 90.00 734 622 33.26
Condo 77 12,407,081 16.41 69.38 0.50 90.00 752 642 30.48
4-Family 21 4,903,571 6.49 66.67 0.00 80.00 758 684 70.41
3-Family 20 4,510,417 5.97 57.89 0.00 75.00 729 629 63.55
PUD Detached 26 4,314,585 5.71 69.12 1.38 90.00 735 652 36.60
PUD Attached 14 1,627,574 2.15 72.56 0.69 90.00 738 619 20.25
Townhouse 7 963,735 1.27 71.34 2.31 90.00 732 693 9.24
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Property Type Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
SFR 0.00% 42.92% 100.00% $129,475 1
2-Family 0.00 32.71 0.00 185,287 1
Condo 0.00 20.91 0.00 161,235 1
4-Family 0.00 25.42 0.00 233,650 1
3-Family 0.00 50.26 0.00 225,674 1
PUD Detached 0.00 34.90 100.00 166,035 1
PUD Attached 0.00 18.14 100.00 116,278 0
Townhouse 0.00 41.19 0.00 138,438 0
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
7. Occupancy Status
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Occupancy Status Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Investor 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Occupancy Status Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Investor 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
8. State
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
State Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
California 77 $16,884,221 22.34% 55.20% 0.00% 80.00% 744 622 49.38%
Florida 70 9,814,537 12.98 68.48 0.85 90.00 749 643 26.77
Texas 37 4,307,000 5.70 77.55 6.45 90.00 744 681 12.98
Hawaii 17 3,920,815 5.19 68.24 0.00 77.96 748 672 21.86
Illinois 17 3,764,300 4.98 65.73 0.87 90.00 748 651 38.57
Virginia 26 3,558,945 4.71 66.32 0.29 86.68 755 619 44.65
North Carolina 33 3,116,728 4.12 74.22 3.01 90.00 752 647 10.95
Oregon 16 2,807,397 3.71 68.68 0.00 80.00 763 664 14.24
Arizona 14 2,448,298 3.24 74.05 2.43 90.00 739 685 62.59
South Carolina 22 2,304,590 3.05 69.21 1.38 90.00 737 633 6.02
Massachusetts 10 2,056,741 2.72 72.15 0.00 80.00 693 629 54.62
Maryland 11 1,917,080 2.54 72.74 1.10 90.00 718 627 7.62
Colorado 11 1,818,241 2.41 68.87 0.00 80.00 753 709 14.77
Georgia 14 1,716,042 2.27 72.08 2.16 86.99 738 660 24.76
Nevada 7 1,506,688 1.99 74.71 0.00 80.00 729 652 50.07
Washington 9 1,292,464 1.71 70.92 0.00 80.00 769 661 48.26
District of Columbia 5 1,038,214 1.37 54.01 0.00 69.55 745 693 40.60
Rhode Island 4 879,966 1.16 63.58 0.00 75.00 684 654 75.00
New York 7 879,434 1.16 71.37 0.00 80.00 710 622 15.99
Idaho 7 875,792 1.16 68.09 0.00 80.00 737 662 60.85
Other 83 8,680,735 11.48 73.47 1.44 90.00 735 621 36.40
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
State Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
California 0.00% 47.07% 59.58% $219,392 1
Florida 0.00 40.16 45.10 140,315 1
Texas 0.00 9.10 71.96 116,480 1
Hawaii 0.00 22.64 5.55 230,703 0
Illinois 0.00 49.04 29.00 221,622 1
Virginia 0.00 49.00 56.11 136,977 1
North Carolina 0.00 11.38 85.93 94,654 1
Oregon 0.00 8.37 47.31 175,597 1
Arizona 0.00 36.65 62.15 174,992 0
South Carolina 0.00 10.29 77.55 104,829 1
Massachusetts 0.00 31.58 24.92 205,776 1
Maryland 0.00 79.27 56.76 174,393 1
Colorado 0.00 78.60 78.32 165,423 1
Georgia 0.00 15.52 89.12 122,639 0
Nevada 0.00 17.26 49.38 215,404 1
Washington 0.00 6.60 68.13 143,758 0
District of Columbia 0.00 74.44 39.96 207,694 0
Rhode Island 0.00 72.33 29.25 220,113 1
New York 0.00 36.39 32.74 125,740 1
Idaho 0.00 8.56 80.46 125,214 1
Other 0.00 29.94 43.71 104,656 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
9. County Distribution
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
County Distribution Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
LOS ANGELES ,CA 21 $4,965,526 6.57% 55.19% 0.00% 80.00% 738 639 70.64%
HONOLULU ,HI 14 2,823,817 3.74 66.31 0.00 77.96 750 681 13.53
COOK ,IL 7 2,173,784 2.88 64.29 0.00 74.99 746 651 14.25
ORANGE ,CA 6 1,649,540 2.18 59.89 0.00 80.00 752 689 6.30
HILLSBOROUGH ,FL 9 1,480,477 1.96 76.99 1.86 81.96 764 723 0.00
BROWARD ,FL 10 1,451,117 1.92 71.45 0.00 80.00 753 697 34.43
TRAVIS ,TX 9 1,403,051 1.86 74.75 6.45 90.00 741 681 0.00
DADE ,FL 8 1,278,363 1.69 62.86 0.00 80.00 706 643 19.25
RIVERSIDE ,CA 8 1,248,785 1.65 48.39 0.00 67.72 732 647 49.44
MIDDLESEX ,MA 4 1,061,176 1.40 75.58 0.00 80.00 734 642 50.32
Other 401 56,052,593 74.16 68.22 1.17 90.00 742 619 35.48
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
County Distribution Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
LOS ANGELES ,CA 0.00% 63.67% 40.46% $236,599 1
HONOLULU ,HI 0.00 31.43 7.70 201,764 0
COOK ,IL 0.00 50.14 14.25 310,829 1
ORANGE ,CA 0.00 19.04 49.26 275,000 0
HILLSBOROUGH ,FL 0.00 60.26 81.98 164,574 0
BROWARD ,FL 0.00 45.14 18.37 145,270 1
TRAVIS ,TX 0.00 3.56 58.74 156,007 1
DADE ,FL 0.00 44.59 0.00 159,887 1
RIVERSIDE ,CA 0.00 59.40 51.81 156,162 0
MIDDLESEX ,MA 0.00 32.98 17.34 265,375 0
Other 0.00 32.80 59.52 139,887 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
10. Original LTV
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original LTV Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
10.01 - 15.00 1 $100,000 0.13% 12.44% 0.00% 12.44% 721 721 100.00%
15.01 - 20.00 7 760,909 1.01 17.92 0.00 19.73 761 721 46.59
20.01 - 25.00 6 491,538 0.65 21.86 0.00 24.04 744 686 46.63
25.01 - 30.00 9 1,061,617 1.40 26.73 0.00 29.85 769 732 60.20
30.01 - 35.00 10 1,685,563 2.23 33.19 0.00 34.97 751 689 9.19
35.01 - 40.00 12 1,618,216 2.14 36.51 0.00 38.35 742 639 72.06
40.01 - 45.00 16 2,548,137 3.37 42.33 0.00 44.84 744 642 40.82
45.01 - 50.00 18 2,801,762 3.71 48.82 0.00 50.00 745 672 38.58
50.01 - 55.00 29 4,802,290 6.35 52.64 0.00 54.66 739 643 23.44
55.01 - 60.00 24 3,564,177 4.72 57.80 0.00 60.00 748 644 65.56
60.01 - 65.00 33 5,017,100 6.64 62.58 0.00 65.00 732 619 22.14
65.01 - 70.00 83 12,528,154 16.57 68.34 0.00 70.00 738 622 39.05
70.01 - 75.00 83 14,808,581 19.59 74.12 0.00 75.00 744 629 34.19
75.01 - 80.00 138 20,594,754 27.25 79.68 0.00 80.00 742 622 28.38
80.01 - 85.00 1 229,287 0.30 81.96 12.00 81.96 768 768 0.00
85.01 - 90.00 27 2,976,141 3.94 89.78 25.00 90.00 745 621 31.97
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original LTV Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
10.01 - 15.00 0.00% 0.00% 100.00% $100,000 0
15.01 - 20.00 0.00 28.60 69.72 108,740 0
20.01 - 25.00 0.00 59.32 73.72 81,950 0
25.01 - 30.00 0.00 46.79 42.77 118,040 1
30.01 - 35.00 0.00 51.88 59.94 168,601 0
35.01 - 40.00 0.00 39.58 63.57 134,875 0
40.01 - 45.00 0.00 51.72 74.36 159,419 1
45.01 - 50.00 0.00 49.53 69.83 155,747 1
50.01 - 55.00 0.00 55.29 35.04 165,731 1
55.01 - 60.00 0.00 38.82 44.25 148,574 0
60.01 - 65.00 0.00 60.06 58.64 152,115 1
65.01 - 70.00 0.00 64.99 63.53 151,025 1
70.01 - 75.00 0.00 31.87 40.86 178,542 1
75.01 - 80.00 0.00 7.84 47.03 149,376 1
80.01 - 85.00 0.00 100.00 100.00 229,500 1
85.01 - 90.00 0.00 3.78 79.96 110,311 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
W.A.: 67.04%
Lowest: 12.44%
Highest: 90.00%
11. Original Term
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Term Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
235 - 240 2 $276,980 0.37% 56.63% 0.00% 80.00% 750 737 0.00%
295 - 300 4 374,355 0.50 68.92 0.00 80.00 773 720 44.66
355 - 360 491 74,936,894 99.14 67.06 1.03 90.00 742 619 34.59
- --------------------------------------------------------------------------------------------------------------------------------
Total: 497 $75,588,229 100.00% 67.04% 1.02% 90.00% 742 619 34.52%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Term Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
235 - 240 0.00% 79.42% 0.00% $138,500 0
295 - 300 0.00 40.38 55.34 93,675 1
355 - 360 0.00 35.66 52.89 152,729 1
- ------------------------------------------------------------------------------
Total: 0.00% 35.85% 52.71% $152,196 1
- ------------------------------------------------------------------------------
W.A.: 359.3 months
Lowest: 240 months
Highest: 360 months
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Global Structured Finance
BoAAlt 06-1
Group 2
1. Original Balance
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Balance Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
1 - 100,000 117 $9,134,879 8.15% 77.54% 2.17% 100.00% 737 628 62.82%
100,001 - 200,000 309 44,052,124 39.29 77.43 1.62 100.00 734 633 53.85
200,001 - 300,000 146 36,097,412 32.19 73.95 2.14 95.00 733 615 29.32
300,001 - 400,000 49 16,994,315 15.16 70.91 0.85 91.14 734 658 16.22
400,001 - 500,000 11 4,660,365 4.16 68.07 0.00 80.00 711 669 8.75
500,001 - 600,000 1 511,000 0.46 66.36 0.00 66.36 713 713 0.00
600,001 - 700,000 1 674,344 0.60 75.00 0.00 75.00 769 769 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Balance Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
1 - 100,000 92.07% 9.30% 87.00% $78,132 1
100,001 - 200,000 94.61 10.39 86.93 142,674 1
200,001 - 300,000 95.24 26.11 73.02 247,402 1
300,001 - 400,000 96.11 33.44 60.91 347,097 1
400,001 - 500,000 100.00 44.36 44.21 423,827 0
500,001 - 600,000 100.00 0.00 0.00 511,000 0
600,001 - 700,000 100.00 100.00 0.00 675,000 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
Average: $176,978.34
Lowest: $36,860.00
Highest: $675,000.00
2. Coupon
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Coupon Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
5.001 - 5.500 6 $1,266,950 1.13% 72.50% 2.07% 91.90% 717 633 17.03%
5.501 - 6.000 129 24,494,270 21.85 72.72 0.74 90.00 734 615 33.33
6.001 - 6.500 499 86,363,218 77.02 75.52 1.88 100.00 733 628 40.33
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Coupon Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
5.001 - 5.500 100.00% 13.32% 63.06% $211,730 2
5.501 - 6.000 95.01 28.51 72.19 190,108 1
6.001 - 6.500 95.07 18.67 77.04 173,166 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
W.A.: 6.244
Lowest: 5.125
Highest: 6.500
3. Credit Score
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Credit Score Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
800 - 849 25 $3,954,965 3.53% 66.60% 0.00% 80.00% 807 800 34.06%
750 - 799 236 40,539,790 36.16 75.16 0.92 100.00 770 750 38.81
700 - 749 225 41,960,722 37.42 74.86 2.10 100.00 722 700 36.44
650 - 699 139 24,068,644 21.47 76.09 1.97 97.00 681 651 41.92
600 - 649 6 922,744 0.82 79.05 11.06 97.00 632 615 7.93
N/A 3 677,573 0.60 58.71 0.00 80.00 0 0 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Credit Score Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
800 - 849 94.16% 30.38% 63.98% $158,282 1
750 - 799 94.27 17.40 79.91 171,892 1
700 - 749 96.04 23.06 71.99 186,642 1
650 - 699 97.34 19.90 79.55 173,264 1
600 - 649 94.99 31.29 68.71 154,056 1
N/A 14.99 39.07 14.99 226,033 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
W.A.: 733
Lowest: 615
Highest: 836
4. Index
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Index Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
FIX 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Index Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
FIX 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
5. Loan Purpose
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Loan Purpose Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Purchase 492 $79,326,428 70.75% 79.58% 2.01% 100.00% 735 615 52.24%
Refinance-Cashout 100 23,275,302 20.76 61.27 0.29 83.17 732 636 1.98
Refinance-Rate/Term 35 7,934,515 7.08 67.18 0.99 91.90 723 633 16.52
Cons/Perm 7 1,588,193 1.42 77.77 5.61 85.00 717 692 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Loan Purpose Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Purchase 94.09% 0.00% 85.80% $161,349 1
Refinance-Cashout 96.62 100.00 47.25 232,865 0
Refinance-Rate/Term 100.00 0.00 55.04 226,961 0
Cons/Perm 100.00 0.00 100.00 227,191 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
6. Property Type
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Property Type Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
SFR 391 $63,035,897 56.22% 76.72% 1.78% 100.00% 732 628 44.21%
PUD Detached 98 18,112,808 16.15 79.08 2.13 95.00 731 633 43.14
2-Family 62 16,181,522 14.43 63.14 0.82 91.14 732 636 0.00
Condo 44 7,502,165 6.69 76.96 1.62 90.11 739 664 59.52
PUD Attached 24 3,863,466 3.45 79.68 1.77 90.00 744 615 57.72
Townhouse 9 1,557,262 1.39 75.87 0.00 80.00 702 664 53.52
4-Family 2 1,013,006 0.90 73.29 0.00 75.00 746 701 0.00
3-Family 4 858,312 0.77 32.12 0.00 36.88 769 727 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Property Type Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
SFR 95.63% 15.87% 100.00% $161,330 1
PUD Detached 92.92 4.88 100.00 184,951 1
2-Family 100.00 57.19 0.00 261,156 0
Condo 85.49 10.35 0.00 170,600 1
PUD Attached 94.29 2.85 100.00 161,071 1
Townhouse 91.68 24.08 0.00 173,611 0
4-Family 100.00 100.00 0.00 507,000 1
3-Family 100.00 100.00 0.00 214,676 0
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
7. Occupancy Status
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Occupancy Status Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Primary 597 $106,646,849 95.11% 74.85% 1.52% 100.00% 733 615 38.53%
Secondary 37 5,477,590 4.89 75.50 3.87 95.00 741 628 38.58
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Occupancy Status Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Primary 100.00% 21.09% 75.72% $178,758 1
Secondary 0.00 14.37 77.76 148,269 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
8. State
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
State Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
California 59 $16,300,830 14.54% 57.83% 0.19% 82.16% 738 636 10.72%
Texas 99 13,907,669 12.40 79.68 1.44 97.00 738 647 44.56
Florida 49 9,427,121 8.41 75.49 5.30 97.00 738 664 35.99
South Carolina 52 7,573,679 6.75 79.45 0.59 91.90 721 633 77.32
North Carolina 48 7,019,534 6.26 79.09 2.07 91.71 729 666 54.72
New York 26 6,097,527 5.44 67.64 1.68 97.00 726 628 10.06
Georgia 34 5,784,223 5.16 79.65 1.75 95.00 738 662 66.52
Massachusetts 17 3,923,026 3.50 74.74 0.00 80.00 729 666 3.84
Illinois 18 3,462,559 3.09 76.68 0.00 80.00 737 669 44.08
New Jersey 12 3,108,789 2.77 74.07 0.00 80.00 713 615 13.46
Maryland 14 3,076,588 2.74 79.31 0.00 80.00 727 664 66.96
Missouri 22 2,844,052 2.54 80.36 1.49 90.00 746 651 66.15
Tennessee 22 2,721,603 2.43 79.95 0.00 80.00 730 676 80.93
Virginia 12 2,527,628 2.25 81.82 6.47 100.00 722 661 22.82
Pennsylvania 12 2,423,098 2.16 79.49 2.83 100.00 751 673 38.14
Washington 12 2,372,301 2.12 78.49 1.78 97.00 729 656 25.31
Minnesota 12 2,075,468 1.85 79.28 2.73 100.00 748 687 30.67
Colorado 8 1,489,595 1.33 73.54 0.00 80.00 724 656 40.52
Oregon 7 1,360,770 1.21 79.08 2.94 90.00 744 644 55.91
Oklahoma 13 1,359,885 1.21 79.67 0.00 80.00 742 693 69.47
Other 86 13,268,492 11.83 79.00 2.20 100.00 728 653 33.36
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
State Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
California 97.35% 64.37% 49.08% $276,443 1
Texas 97.26 0.00 99.53 140,584 1
Florida 86.15 17.24 74.30 192,488 1
South Carolina 92.91 1.47 93.00 145,752 1
North Carolina 94.73 4.91 96.02 146,349 1
New York 95.18 31.32 37.94 234,674 1
Georgia 92.27 6.80 90.58 170,368 1
Massachusetts 100.00 31.54 48.32 230,882 1
Illinois 97.01 16.13 60.55 192,475 1
New Jersey 100.00 18.48 55.21 259,417 1
Maryland 100.00 25.03 79.64 219,886 1
Missouri 100.00 0.00 100.00 129,344 1
Tennessee 100.00 0.00 100.00 123,789 1
Virginia 100.00 0.00 76.15 210,807 1
Pennsylvania 100.00 27.83 59.59 202,071 1
Washington 100.00 3.59 64.91 198,085 0
Minnesota 80.92 21.22 88.87 173,076 1
Colorado 100.00 35.35 66.55 186,277 0
Oregon 85.61 46.71 87.97 194,468 0
Oklahoma 95.98 6.39 100.00 104,683 1
Other 92.76 21.16 81.42 154,370 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
9. County Distribution
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
County Distribution Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
LOS ANGELES ,CA 26 $7,399,650 6.60% 56.20% 0.00% 80.00% 739 636 3.61%
HARRIS ,TX 18 2,360,300 2.11 80.28 2.69 95.00 737 682 47.41
QUEENS ,NY 7 2,305,807 2.06 59.02 0.00 72.39 721 668 0.00
RICHLAND ,SC 11 1,486,436 1.33 76.75 1.27 85.00 708 663 72.55
TARRANT ,TX 11 1,407,317 1.26 81.25 3.13 90.00 741 673 42.31
RIVERSIDE ,CA 5 1,350,464 1.20 75.60 2.26 82.16 741 692 20.52
PINELLAS ,FL 6 1,282,930 1.14 66.06 0.00 80.00 727 681 60.88
PRINCE WILLIAM ,VA 4 1,179,514 1.05 80.00 0.00 80.00 754 705 19.65
ORANGE ,CA 4 1,170,672 1.04 46.28 0.00 60.88 732 694 0.00
HUDSON ,NJ 4 1,169,697 1.04 72.22 0.00 80.00 722 709 0.00
Other 538 91,011,650 81.17 76.98 1.84 100.00 733 615 42.70
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
County Distribution Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
LOS ANGELES ,CA 100.00% 75.35% 30.22% $284,781 1
HARRIS ,TX 100.00 0.00 100.00 131,196 1
QUEENS ,NY 100.00 35.36 0.00 329,574 1
RICHLAND ,SC 100.00 7.47 100.00 135,185 0
TARRANT ,TX 100.00 0.00 100.00 128,025 1
RIVERSIDE ,CA 100.00 18.84 61.87 270,221 0
PINELLAS ,FL 79.36 59.76 68.77 213,982 1
PRINCE WILLIAM ,VA 100.00 0.00 78.30 295,000 0
ORANGE ,CA 100.00 69.68 78.64 292,933 1
HUDSON ,NJ 100.00 30.75 18.47 292,600 1
Other 94.27 16.02 81.03 169,292 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
10. Original LTV
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original LTV Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
10.01 - 15.00 4 $746,142 0.67% 13.90% 0.00% 14.83% 752 715 0.00%
15.01 - 20.00 2 235,362 0.21 17.76 0.00 18.87 809 801 0.00
20.01 - 25.00 2 335,000 0.30 20.88 0.00 21.37 737 709 0.00
25.01 - 30.00 3 427,500 0.38 27.58 0.00 28.13 760 675 0.00
30.01 - 35.00 6 1,192,621 1.06 33.33 0.00 34.67 743 709 0.00
35.01 - 40.00 9 1,579,359 1.41 37.58 0.00 39.66 736 664 16.76
40.01 - 45.00 5 976,517 0.87 41.97 0.00 44.82 735 668 0.00
45.01 - 50.00 5 1,386,608 1.24 47.97 0.00 50.00 753 674 0.00
50.01 - 55.00 15 3,741,524 3.34 52.66 0.00 55.00 738 668 1.74
55.01 - 60.00 11 2,773,921 2.47 57.01 0.00 60.00 715 656 0.00
60.01 - 65.00 10 2,716,562 2.42 62.32 0.00 64.81 735 699 0.00
65.01 - 70.00 26 6,237,242 5.56 68.18 0.00 70.00 729 615 3.14
70.01 - 75.00 22 6,389,213 5.70 73.07 0.00 75.00 720 636 4.87
75.01 - 80.00 469 75,933,069 67.72 79.85 0.00 80.00 735 653 54.92
80.01 - 85.00 7 1,384,075 1.23 83.89 11.67 85.00 716 670 0.00
85.01 - 90.00 17 3,059,374 2.73 90.00 25.00 90.00 709 644 0.00
90.01 - 95.00 13 2,339,188 2.09 93.11 29.28 95.00 727 628 0.00
95.01 - 100.00 8 671,162 0.60 98.59 32.64 100.00 715 647 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original LTV Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
10.01 - 15.00 100.00% 64.25% 0.00% $186,675 1
15.01 - 20.00 100.00 100.00 0.00 117,750 1
20.01 - 25.00 100.00 37.31 100.00 167,500 0
25.01 - 30.00 100.00 100.00 15.44 142,500 0
30.01 - 35.00 100.00 74.35 21.78 198,915 1
35.01 - 40.00 78.49 81.34 23.29 175,558 0
40.01 - 45.00 100.00 49.32 77.47 195,330 0
45.01 - 50.00 100.00 66.39 72.59 277,322 0
50.01 - 55.00 95.78 76.40 63.87 249,491 0
55.01 - 60.00 94.59 69.53 44.39 252,295 0
60.01 - 65.00 100.00 84.38 46.93 271,905 1
65.01 - 70.00 92.55 35.61 49.97 240,202 1
70.01 - 75.00 87.77 56.46 51.88 290,653 1
75.01 - 80.00 96.29 6.53 84.87 162,017 1
80.01 - 85.00 100.00 40.84 85.48 197,992 1
85.01 - 90.00 88.76 0.00 92.30 180,106 1
90.01 - 95.00 82.03 0.00 75.66 180,095 1
95.01 - 100.00 100.00 0.00 100.00 83,951 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
W.A.: 74.88%
Lowest: 10.07%
Highest: 100.00%
11. Original Term
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Term Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
235 - 240 10 $1,981,344 1.77% 64.95% 1.55% 91.90% 720 633 5.32%
295 - 300 2 560,207 0.50 55.46 0.00 74.77 726 707 0.00
355 - 360 622 109,582,886 97.73 75.16 1.64 100.00 733 615 39.33
- --------------------------------------------------------------------------------------------------------------------------------
Total: 634 $112,124,438 100.00% 74.88% 1.63% 100.00% 733 615 38.54%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Term Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
235 - 240 100.00% 56.14% 34.36% $198,466 1
295 - 300 100.00 44.61 0.00 280,295 0
355 - 360 95.00 20.00 76.96 176,301 1
- ------------------------------------------------------------------------------
Total: 95.11% 20.76% 75.82% $176,978 1
- ------------------------------------------------------------------------------
W.A.: 357.6 months
Lowest: 240 months
Highest: 360 months
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Global Structured Finance
BoAAlt 06-1
Group 3
1. Original Balance
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Balance Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
1 - 100,000 361 $23,412,385 23.69% 71.50% 3.62% 90.00% 730 611 19.05%
100,001 - 200,000 272 38,487,290 38.95 72.50 3.65 90.00 732 604 21.47
200,001 - 300,000 78 18,626,996 18.85 68.47 0.50 90.00 730 627 23.48
300,001 - 400,000 35 12,248,742 12.40 71.39 0.61 90.00 727 627 17.87
400,001 - 500,000 13 5,491,000 5.56 67.00 0.00 77.94 727 703 7.59
500,001 - 600,000 1 549,526 0.56 74.83 0.00 74.83 752 752 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Balance Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
1 - 100,000 0.00% 34.59% 71.09% $64,878 0
100,001 - 200,000 0.00 35.59 58.42 141,562 0
200,001 - 300,000 0.00 41.94 69.47 238,897 0
300,001 - 400,000 0.00 53.13 48.95 350,082 0
400,001 - 500,000 0.00 75.94 83.54 422,385 0
500,001 - 600,000 0.00 0.00 0.00 550,000 1
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
Average: $130,070.63
Lowest: $18,800.00
Highest: $550,000.00
2. Coupon
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Coupon Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
6.501 - 7.000 656 $85,169,500 86.19% 70.52% 2.54% 90.00% 731 604 20.48%
7.001 - 7.500 98 13,119,133 13.28 74.73 1.97 90.00 722 625 21.40
7.501 - 8.000 6 527,307 0.53 69.07 0.00 80.00 739 689 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Coupon Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
6.501 - 7.000 0.00% 41.42% 62.36% $129,884 0
7.001 - 7.500 0.00 35.25 69.79 133,901 0
7.501 - 8.000 0.00 72.29 72.29 87,908 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
W.A.: 6.847
Lowest: 6.625
Highest: 7.875
3. Credit Score
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Credit Score Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
800 - 849 36 $4,916,811 4.98% 64.44% 0.91% 90.00% 807 800 24.94%
750 - 799 268 33,685,074 34.09 70.94 3.49 90.00 773 750 18.92
700 - 749 239 33,607,830 34.01 72.27 2.90 90.00 722 700 15.12
650 - 699 164 19,199,123 19.43 69.90 1.17 90.00 680 650 29.50
600 - 649 47 6,201,636 6.28 73.35 0.00 80.00 637 604 11.36
N/A 6 1,205,466 1.22 75.19 0.00 80.00 0 0 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Credit Score Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
800 - 849 0.00% 13.29% 58.20% $136,630 0
750 - 799 0.00 36.19 60.37 125,753 0
700 - 749 0.00 41.79 68.00 140,660 0
650 - 699 0.00 47.21 61.14 117,104 0
600 - 649 0.00 62.46 67.30 132,010 1
N/A 0.00 37.71 57.26 200,998 1
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
W.A.: 730
Lowest: 604
Highest: 817
4. Index
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Index Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
FIX 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Index Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
FIX 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
5. Loan Purpose
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Loan Purpose Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Purchase 380 $48,035,927 48.61% 79.00% 4.53% 90.00% 738 604 23.09%
Refinance-Cashout 279 40,283,164 40.77 63.39 0.20 85.00 722 611 18.71
Refinance-Rate/Term 101 10,496,849 10.62 64.27 1.55 90.00 727 626 15.48
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Loan Purpose Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Purchase 0.00% 0.00% 55.67% $126,463 0
Refinance-Cashout 0.00 100.00 69.46 144,423 0
Refinance-Rate/Term 0.00 0.00 75.54 103,995 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
6. Property Type
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Property Type Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
SFR 433 $49,844,920 50.44% 70.41% 2.44% 90.00% 727 604 16.58%
Condo 126 15,674,198 15.86 74.47 2.69 90.00 733 626 26.43
2-Family 98 13,745,361 13.91 70.93 2.08 90.00 734 623 18.22
PUD Detached 45 9,790,904 9.91 72.76 2.82 90.00 737 663 15.01
3-Family 11 3,179,472 3.22 68.50 0.00 80.00 736 670 57.83
PUD Attached 21 3,016,263 3.05 69.60 3.84 90.00 738 651 17.96
4-Family 12 2,214,858 2.24 54.77 0.00 75.00 729 684 56.74
Townhouse 14 1,349,963 1.37 81.18 8.00 90.00 717 633 17.28
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Property Type Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
SFR 0.00% 43.40% 100.00% $115,160 0
Condo 0.00 11.42 0.00 124,447 0
2-Family 0.00 51.68 0.00 140,313 0
PUD Detached 0.00 50.56 100.00 217,632 0
3-Family 0.00 49.94 0.00 289,159 0
PUD Attached 0.00 46.33 100.00 143,702 0
4-Family 0.00 72.03 0.00 184,638 0
Townhouse 0.00 16.63 0.00 96,470 1
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
7. Occupancy Status
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Occupancy Status Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Investor 734 $94,125,288 95.25% 70.80% 2.52% 90.00% 731 604 18.29%
Secondary 26 4,690,652 4.75 76.55 1.06 90.00 714 663 64.71
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Occupancy Status Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Investor 0.00% 42.03% 64.25% $128,286 0
Secondary 0.00 15.42 46.36 180,452 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
8. State
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
State Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Florida 149 $20,875,142 21.13% 75.65% 2.68% 90.00% 723 604 19.68%
California 86 16,826,098 17.03 54.87 0.16 90.00 738 626 22.07
Arizona 40 7,658,797 7.75 66.02 0.00 80.00 732 625 13.75
Texas 49 4,212,835 4.26 77.93 5.37 90.00 727 638 22.93
Maryland 33 3,919,404 3.97 74.50 1.21 90.00 722 633 9.74
Georgia 34 3,220,934 3.26 79.52 4.76 90.00 714 622 31.40
North Carolina 36 3,192,616 3.23 78.28 6.84 90.00 730 626 25.69
Illinois 23 3,046,995 3.08 70.77 0.97 90.00 741 638 45.47
South Carolina 32 2,848,668 2.88 80.00 7.61 90.00 730 633 9.29
Washington 18 2,659,897 2.69 71.96 1.82 90.00 739 672 20.16
Missouri 33 2,584,789 2.62 76.81 3.65 90.00 714 633 23.56
Virginia 19 2,444,057 2.47 76.89 10.96 90.00 734 611 22.09
Massachusetts 9 2,408,678 2.44 68.23 1.79 90.00 729 670 52.51
New York 15 2,363,484 2.39 74.13 2.82 90.00 711 627 28.29
New Jersey 9 2,126,664 2.15 78.67 0.00 80.00 738 627 29.36
Kansas 18 1,674,207 1.69 80.37 3.27 90.00 682 649 0.00
Wisconsin 17 1,600,755 1.62 73.36 0.98 90.00 727 684 18.77
Pennsylvania 16 1,449,396 1.47 73.43 2.26 90.00 738 628 7.45
Nevada 7 1,246,140 1.26 79.57 3.34 90.00 741 668 0.00
Vermont 5 1,126,369 1.14 72.30 0.00 80.00 720 647 0.00
Other 112 11,330,014 11.47 72.50 2.44 90.00 745 624 16.74
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
State Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Florida 0.00% 27.16% 59.16% $140,154 0
California 0.00 56.47 63.75 195,717 0
Arizona 0.00 71.36 88.35 191,501 0
Texas 0.00 31.43 88.78 86,008 0
Maryland 0.00 55.75 78.19 118,822 0
Georgia 0.00 15.20 80.84 94,773 0
North Carolina 0.00 22.37 65.66 88,715 0
Illinois 0.00 29.15 44.50 132,532 0
South Carolina 0.00 13.01 55.90 89,056 0
Washington 0.00 28.63 85.36 147,826 0
Missouri 0.00 42.14 86.30 78,351 0
Virginia 0.00 37.57 51.45 128,668 0
Massachusetts 0.00 40.79 23.36 267,700 0
New York 0.00 38.87 40.29 157,623 0
New Jersey 0.00 30.24 6.77 236,443 1
Kansas 0.00 77.22 41.52 93,078 1
Wisconsin 0.00 71.45 38.11 94,174 0
Pennsylvania 0.00 54.03 68.94 90,623 0
Nevada 0.00 0.00 51.72 178,479 1
Vermont 0.00 62.98 67.55 225,300 0
Other 0.00 39.13 63.80 101,201 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
9. County Distribution
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
County Distribution Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
MOHAVE ,AZ 10 $4,170,000 4.22% 64.02% 0.00% 67.80% 720 713 0.00%
LOS ANGELES ,CA 18 3,473,976 3.52 51.93 0.00 80.00 721 645 41.57
DADE ,FL 19 3,324,609 3.36 77.68 5.34 90.00 731 625 10.26
MARICOPA ,AZ 21 2,496,677 2.53 70.19 0.00 80.00 744 625 42.19
SAN DIEGO ,CA 10 2,036,864 2.06 52.15 0.00 79.82 746 684 41.09
BROWARD ,FL 15 1,823,162 1.85 74.52 0.00 80.00 717 663 37.25
COOK ,IL 11 1,812,975 1.83 67.11 0.00 80.00 744 650 56.08
HUDSON ,NJ 5 1,669,227 1.69 79.92 0.00 80.00 759 730 37.41
MIDDLESEX ,MA 5 1,622,026 1.64 68.87 0.00 80.00 743 692 42.66
ORANGE ,FL 9 1,579,688 1.60 72.21 0.00 80.00 704 628 29.04
Other 637 74,806,735 75.70 72.44 3.00 90.00 730 604 17.52
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
County Distribution Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
MOHAVE ,AZ 0.00% 100.00% 100.00% $417,000 0
LOS ANGELES ,CA 0.00 55.77 43.51 193,048 0
DADE ,FL 0.00 19.73 34.45 175,049 0
MARICOPA ,AZ 0.00 39.88 82.08 118,938 0
SAN DIEGO ,CA 0.00 60.39 64.49 203,704 0
BROWARD ,FL 0.00 15.48 19.10 121,582 0
COOK ,IL 0.00 45.68 15.00 164,903 1
HUDSON ,NJ 0.00 22.67 0.00 334,078 1
MIDDLESEX ,MA 0.00 27.90 10.85 324,500 0
ORANGE ,FL 0.00 26.62 80.65 175,630 1
Other 0.00 38.68 67.36 117,483 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
10. Original LTV
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original LTV Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
5.01 - 10.00 2 $161,238 0.16% 8.19% 0.00% 8.27% 780 776 63.11%
10.01 - 15.00 4 291,096 0.29 13.24 0.00 14.37 712 663 30.33
15.01 - 20.00 6 502,952 0.51 18.87 0.00 20.00 776 710 0.00
20.01 - 25.00 7 614,984 0.62 23.44 0.00 24.36 724 641 66.26
25.01 - 30.00 9 1,040,244 1.05 27.73 0.00 30.00 735 664 66.67
30.01 - 35.00 8 1,125,144 1.14 32.68 0.00 34.48 765 646 14.21
35.01 - 40.00 14 1,682,719 1.70 37.62 0.00 40.00 727 630 23.57
40.01 - 45.00 22 3,459,207 3.50 42.66 0.00 44.99 743 657 20.04
45.01 - 50.00 20 2,448,388 2.48 48.24 0.00 50.00 755 675 19.14
50.01 - 55.00 15 1,632,740 1.65 53.08 0.00 55.00 737 628 26.12
55.01 - 60.00 27 5,607,682 5.67 58.02 0.00 60.00 735 626 15.11
60.01 - 65.00 38 5,772,983 5.84 62.70 0.00 65.00 722 633 9.37
65.01 - 70.00 99 13,703,119 13.87 68.74 0.00 70.00 716 611 23.28
70.01 - 75.00 77 10,478,392 10.60 74.02 0.00 75.00 742 639 19.52
75.01 - 80.00 307 39,824,854 40.30 79.75 0.00 80.00 725 604 19.09
80.01 - 85.00 13 1,420,318 1.44 83.13 11.12 85.00 726 682 22.03
85.01 - 90.00 92 9,049,879 9.16 89.89 25.00 90.00 746 659 25.15
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original LTV Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
5.01 - 10.00 0.00% 36.89% 36.89% $80,619 0
10.01 - 15.00 0.00 42.94 87.72 72,802 0
15.01 - 20.00 0.00 61.87 82.12 83,867 1
20.01 - 25.00 0.00 65.97 45.78 87,880 0
25.01 - 30.00 0.00 81.71 65.33 115,627 0
30.01 - 35.00 0.00 52.38 66.67 140,713 1
35.01 - 40.00 0.00 64.19 71.70 120,237 0
40.01 - 45.00 0.00 64.27 55.27 157,290 0
45.01 - 50.00 0.00 75.27 64.97 122,448 0
50.01 - 55.00 0.00 71.82 76.83 108,888 0
55.01 - 60.00 0.00 81.82 72.11 207,737 0
60.01 - 65.00 0.00 70.63 63.46 151,936 0
65.01 - 70.00 0.00 89.26 67.18 138,466 0
70.01 - 75.00 0.00 29.36 62.11 136,172 0
75.01 - 80.00 0.00 17.50 59.30 129,773 0
80.01 - 85.00 0.00 47.85 100.00 109,286 0
85.01 - 90.00 0.00 0.00 63.99 98,411 1
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
W.A.: 71.07%
Lowest: 8.06%
Highest: 90.00%
11. Original Term
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Term Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
235 - 240 2 $231,205 0.23% 59.24% 0.00% 75.00% 763 750 0.00%
241 - 288 2 149,603 0.15 33.97 0.00 41.59 790 776 0.00
295 - 300 9 748,112 0.76 62.99 2.56 90.00 751 688 35.50
355 - 360 747 97,687,019 98.86 71.22 2.46 90.00 730 604 20.46
- --------------------------------------------------------------------------------------------------------------------------------
Total: 760 $98,815,940 100.00% 71.07% 2.45% 90.00% 730 604 20.50%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Term Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
235 - 240 0.00% 57.83% 0.00% $115,603 0
241 - 288 0.00 0.00 100.00 74,912 1
295 - 300 0.00 54.90 89.36 83,173 0
355 - 360 0.00 40.68 63.30 130,822 0
- ------------------------------------------------------------------------------
Total: 0.00% 40.77% 63.40% $130,071 0
- ------------------------------------------------------------------------------
W.A.: 359.1 months
Lowest: 240 months
Highest: 360 months
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Global Structured Finance
BoAAlt 06-1
Group 4
1. Original Balance
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Balance Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
1 - 100,000 95 $7,133,346 11.67% 77.87% 1.87% 103.00% 726 643 60.95%
100,001 - 200,000 166 23,694,934 38.75 78.42 1.53 100.00 733 627 61.22
200,001 - 300,000 69 17,158,276 28.06 74.37 2.63 102.18 722 643 31.51
300,001 - 400,000 35 12,344,203 20.19 72.11 1.45 90.00 730 646 30.74
400,001 - 500,000 2 815,855 1.33 80.00 0.00 80.00 716 690 50.99
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Balance Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
1 - 100,000 92.43% 9.32% 90.35% $75,126 1
100,001 - 200,000 93.95 13.39 85.42 142,793 0
200,001 - 300,000 91.53 38.50 81.26 248,769 0
300,001 - 400,000 93.84 31.27 86.04 352,857 0
400,001 - 500,000 100.00 0.00 100.00 408,100 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
Average: $166,680.84
Lowest: $28,000.00
Highest: $416,000.00
2. Coupon
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Coupon Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
6.501 - 7.000 331 $54,934,960 89.84% 75.49% 1.27% 103.00% 729 628 48.64%
7.001 - 7.500 32 5,033,613 8.23 78.59 4.58 97.00 721 627 34.79
7.501 - 8.000 4 1,178,042 1.93 86.77 16.94 90.00 704 649 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Coupon Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
6.501 - 7.000 92.38% 23.55% 86.24% $166,040 0
7.001 - 7.500 100.00 27.14 69.76 157,330 0
7.501 - 8.000 100.00 0.00 100.00 294,553 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
W.A.: 6.836
Lowest: 6.625
Highest: 7.875
3. Credit Score
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Credit Score Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
800 - 849 22 $3,612,694 5.91% 80.93% 3.58% 102.18% 807 801 57.48%
750 - 799 99 16,611,953 27.17 76.44 0.65 94.15 770 750 53.31
700 - 749 143 22,659,892 37.06 74.53 1.44 103.00 723 700 45.27
650 - 699 92 16,389,664 26.80 76.29 2.24 97.00 683 657 41.96
600 - 649 8 1,512,017 2.47 77.26 12.98 97.00 642 627 2.89
N/A 3 360,394 0.59 73.64 0.00 80.00 0 0 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Credit Score Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
800 - 849 93.69% 1.71% 70.95% $164,343 1
750 - 799 94.07 15.98 85.65 167,858 0
700 - 749 94.28 24.47 86.06 158,524 0
650 - 699 91.96 34.27 88.09 178,218 0
600 - 649 100.00 28.08 73.36 189,056 0
N/A 0.00 0.00 62.61 120,328 1
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
W.A.: 728
Lowest: 627
Highest: 830
4. Index
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Index Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
FIX 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Index Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
FIX 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
5. Loan Purpose
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Loan Purpose Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Purchase 282 $41,849,408 68.44% 79.76% 2.29% 103.00% 736 627 66.96%
Refinance-Cashout 64 14,303,629 23.39 68.16 0.00 80.00 714 643 0.00
Refinance-Rate/Term 18 4,255,721 6.96 64.21 3.50 94.15 704 646 10.53
Cons/Perm 3 737,857 1.21 79.66 2.66 85.00 728 692 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Loan Purpose Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Purchase 91.67% 0.00% 85.81% $148,465 0
Refinance-Cashout 95.09 100.00 83.67 223,586 0
Refinance-Rate/Term 100.00 0.00 80.99 236,482 0
Cons/Perm 100.00 0.00 100.00 246,161 1
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
6. Property Type
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Property Type Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
SFR 266 $42,281,666 69.15% 75.53% 2.14% 103.00% 729 628 45.22%
PUD Detached 38 7,576,417 12.39 78.52 1.58 86.79 720 657 44.27
Condo 38 5,722,286 9.36 79.53 1.83 102.18 740 627 63.42
PUD Attached 10 2,207,321 3.61 74.82 0.00 80.00 719 673 89.87
2-Family 9 2,058,047 3.37 70.92 0.00 80.00 707 643 0.00
3-Family 2 617,285 1.01 64.29 0.00 75.00 751 724 0.00
Townhouse 3 383,839 0.63 80.00 0.00 80.00 732 673 100.00
4-Family 1 299,754 0.49 66.67 0.00 66.67 769 769 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Property Type Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
SFR 95.48% 24.00% 100.00% $159,015 0
PUD Detached 91.26 22.67 100.00 199,499 0
Condo 78.77 5.40 0.00 150,646 0
PUD Attached 81.88 4.60 100.00 220,818 0
2-Family 100.00 83.90 0.00 228,739 0
3-Family 100.00 0.00 0.00 308,750 0
Townhouse 100.00 0.00 0.00 127,973 0
4-Family 100.00 100.00 0.00 300,000 1
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
7. Occupancy Status
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Occupancy Status Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Primary 341 $56,959,282 93.15% 76.20% 1.98% 103.00% 728 627 45.72%
Secondary 26 4,187,333 6.85 72.80 0.00 80.00 730 662 57.96
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Occupancy Status Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Primary 100.00% 23.88% 86.19% $167,103 0
Secondary 0.00 16.79 70.99 161,147 1
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
8. State
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
State Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Florida 59 $10,619,392 17.37% 79.27% 2.51% 102.18% 733 627 60.15%
California 26 6,483,085 10.60 69.47 0.00 80.00 742 680 29.96
Texas 40 4,983,969 8.15 77.76 0.65 90.00 738 660 69.21
Maryland 20 3,855,010 6.30 72.47 0.00 80.00 722 662 56.87
Illinois 16 3,337,343 5.46 73.94 4.14 90.00 721 683 18.91
New York 10 2,379,079 3.89 72.32 1.71 90.00 719 665 20.13
Nevada 8 2,272,971 3.72 76.07 4.40 86.79 701 646 13.64
Virginia 12 2,108,390 3.45 77.55 0.94 90.00 743 658 59.67
Massachusetts 9 2,036,606 3.33 67.97 0.00 80.00 709 643 21.39
Missouri 15 1,922,172 3.14 81.14 3.84 94.46 723 642 63.17
Georgia 15 1,908,925 3.12 81.06 2.97 90.00 743 669 65.04
North Carolina 15 1,852,293 3.03 74.02 0.00 80.00 721 646 57.24
Michigan 9 1,479,894 2.42 83.69 7.86 100.00 698 662 51.27
Arizona 9 1,379,244 2.26 74.04 0.00 80.00 719 678 56.65
South Carolina 12 1,326,358 2.17 76.93 1.97 97.00 733 657 76.90
Washington 8 1,153,896 1.89 74.74 0.00 80.00 741 670 91.34
Tennessee 7 1,113,312 1.82 80.00 0.00 80.00 772 682 66.25
New Jersey 6 1,112,853 1.82 63.64 0.00 80.00 719 663 0.00
Oregon 6 1,053,367 1.72 72.44 0.00 80.00 731 680 33.23
Wisconsin 7 1,016,800 1.66 79.05 3.10 90.00 714 685 0.00
Other 58 7,751,655 12.68 79.14 2.90 103.00 723 628 40.86
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
State Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Florida 86.83% 12.44% 81.24% $180,066 0
California 92.59 42.69 80.28 249,437 0
Texas 91.02 0.00 90.99 124,698 0
Maryland 97.94 30.21 88.80 192,870 1
Illinois 100.00 24.42 73.95 208,642 0
New York 100.00 32.61 64.86 237,983 0
Nevada 94.07 19.79 86.36 284,283 1
Virginia 100.00 18.55 100.00 175,785 1
Massachusetts 100.00 49.79 57.68 226,342 0
Missouri 84.17 17.11 77.69 128,183 0
Georgia 95.93 9.69 93.51 127,329 1
North Carolina 65.09 27.51 96.71 123,506 0
Michigan 100.00 0.00 92.44 164,475 0
Arizona 100.00 43.35 90.32 153,297 0
South Carolina 77.22 13.22 90.36 110,567 0
Washington 100.00 8.66 90.09 144,275 0
Tennessee 100.00 0.00 100.00 159,143 1
New Jersey 100.00 53.66 78.05 185,490 0
Oregon 100.00 32.25 100.00 175,633 0
Wisconsin 100.00 41.15 100.00 145,257 0
Other 95.94 30.35 90.89 133,701 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
9. County Distribution
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
County Distribution Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
CLARK ,NV 8 $2,272,971 3.72% 76.07% 4.40% 86.79% 701 646 13.64%
COOK ,IL 9 2,143,139 3.50 69.97 3.67 90.00 706 683 10.83
LOS ANGELES ,CA 7 2,105,367 3.44 67.76 0.00 80.00 752 700 31.73
DADE ,FL 7 1,687,744 2.76 77.64 3.74 90.00 717 662 70.82
BROWARD ,FL 4 1,027,618 1.68 80.00 0.00 80.00 732 692 49.05
FREDERICK ,MD 3 899,211 1.47 70.00 0.00 80.00 751 673 29.33
VOLUSIA ,FL 4 845,625 1.38 83.85 9.53 90.00 691 683 16.35
MARICOPA ,AZ 5 817,988 1.34 72.99 0.00 80.00 724 686 57.28
ORANGE ,NY 3 781,840 1.28 75.78 5.21 90.00 708 665 37.72
PINELLAS ,FL 6 774,565 1.27 81.37 4.12 90.00 700 627 47.32
Other 311 47,790,548 78.16 76.38 1.53 103.00 731 628 50.28
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
County Distribution Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
CLARK ,NV 94.07% 19.79% 86.36% $284,283 1
COOK ,IL 100.00 24.90 59.43 238,178 0
LOS ANGELES ,CA 100.00 50.82 53.87 300,843 0
DADE ,FL 51.92 0.00 61.40 241,163 0
BROWARD ,FL 100.00 35.00 64.59 256,980 0
FREDERICK ,MD 100.00 70.67 62.67 300,000 1
VOLUSIA ,FL 100.00 35.48 100.00 211,483 0
MARICOPA ,AZ 100.00 42.72 83.68 163,674 1
ORANGE ,NY 100.00 41.44 100.00 260,700 0
PINELLAS ,FL 74.20 23.22 36.18 129,150 0
Other 93.64 21.14 89.64 153,732 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
10. Original LTV
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original LTV Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
15.01 - 20.00 1 $99,914 0.16% 19.23% 0.00% 19.23% 694 694 0.00%
20.01 - 25.00 1 84,925 0.14 22.08 0.00 22.08 745 745 0.00
25.01 - 30.00 1 135,000 0.22 29.35 0.00 29.35 708 708 0.00
30.01 - 35.00 3 754,500 1.23 32.09 0.00 34.93 714 703 0.00
40.01 - 45.00 5 767,016 1.25 41.97 0.00 43.57 735 695 0.00
45.01 - 50.00 5 1,183,082 1.93 48.29 0.00 50.00 748 707 0.00
50.01 - 55.00 4 1,070,513 1.75 52.59 0.00 55.00 749 720 12.33
55.01 - 60.00 10 2,461,057 4.02 58.28 0.00 60.00 693 643 0.00
60.01 - 65.00 4 1,113,142 1.82 64.05 0.00 64.80 704 680 0.00
65.01 - 70.00 16 3,943,449 6.45 67.88 0.00 70.00 708 678 17.65
70.01 - 75.00 12 2,626,580 4.30 73.09 0.00 75.00 723 682 0.00
75.01 - 80.00 279 42,587,816 69.65 79.77 0.00 80.00 735 646 63.65
80.01 - 85.00 1 163,742 0.27 85.00 12.00 85.00 692 692 0.00
85.01 - 90.00 14 2,975,853 4.87 89.57 25.00 90.00 699 627 0.00
90.01 - 95.00 5 558,480 0.91 94.61 30.00 95.00 692 628 0.00
95.01 - 100.00 4 352,988 0.58 98.15 28.95 100.00 685 643 75.29
>= 100.01 2 268,559 0.44 102.36 35.00 103.00 791 749 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original LTV Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
15.01 - 20.00 100.00% 100.00% 100.00% $100,000 1
20.01 - 25.00 100.00 0.00 100.00 85,000 1
25.01 - 30.00 100.00 100.00 100.00 135,000 0
30.01 - 35.00 100.00 16.57 100.00 251,500 0
40.01 - 45.00 92.05 92.05 92.05 153,480 1
45.01 - 50.00 100.00 39.69 78.89 236,800 1
50.01 - 55.00 100.00 32.67 100.00 267,700 0
55.01 - 60.00 76.24 61.38 78.90 246,179 0
60.01 - 65.00 100.00 91.02 100.00 278,425 1
65.01 - 70.00 74.67 65.25 70.59 246,542 0
70.01 - 75.00 86.18 72.54 76.61 218,971 0
75.01 - 80.00 94.88 12.72 85.58 152,710 0
80.01 - 85.00 100.00 0.00 100.00 163,880 1
85.01 - 90.00 100.00 0.00 95.71 212,614 0
90.01 - 95.00 100.00 0.00 100.00 111,740 0
95.01 - 100.00 100.00 0.00 100.00 88,313 1
>= 100.01 100.00 0.00 22.52 134,464 2
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
W.A.: 75.96%
Lowest: 19.23%
Highest: 103.00%
11. Original Term
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Term Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
295 - 300 1 $78,497 0.13% 41.37% 0.00% 41.37% 731 731 0.00%
355 - 360 366 61,068,118 99.87 76.01 1.85 103.00 728 627 46.62
- --------------------------------------------------------------------------------------------------------------------------------
Total: 367 $61,146,615 100.00% 75.96% 1.84% 103.00% 728 627 46.56%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Term Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
295 - 300 100.00% 100.00% 100.00% $78,600 1
355 - 360 93.14 23.29 85.13 166,921 0
- ------------------------------------------------------------------------------
Total: 93.15% 23.39% 85.15% $166,681 0
- ------------------------------------------------------------------------------
W.A.: 359.9 months
Lowest: 300 months
Highest: 360 months
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Global Structured Finance
BoAAlt 06-1
Total Fixed Rate Pool
1. Original Balance
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Balance Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
1 - 100,000 741 $51,632,388 14.85% 72.17% 2.79% 103.00% 733 611 34.44%
100,001 - 200,000 959 136,280,512 39.20 73.72 2.06 100.00 735 604 40.76
200,001 - 300,000 372 91,297,293 26.26 71.58 1.54 102.18 731 615 30.22
300,001 - 400,000 146 50,926,754 14.65 71.12 0.96 91.14 735 627 23.01
400,001 - 500,000 36 15,282,660 4.40 67.76 0.00 80.00 728 648 28.19
500,001 - 600,000 3 1,581,270 0.45 72.15 0.00 75.00 744 713 67.68
600,001 - 700,000 1 674,344 0.19 75.00 0.00 75.00 769 769 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Balance Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
1 - 100,000 29.06% 26.03% 76.86% $69,722 1
100,001 - 200,000 46.92 23.57 72.41 142,189 1
200,001 - 300,000 54.86 35.97 70.13 245,558 1
300,001 - 400,000 54.82 36.88 57.54 349,017 1
400,001 - 500,000 35.83 46.44 51.56 424,631 0
500,001 - 600,000 32.32 0.00 0.00 527,417 1
600,001 - 700,000 100.00 100.00 0.00 675,000 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
Average: $154,061.72
Lowest: $18,000.00
Highest: $675,000.00
2. Coupon
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Coupon Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
5.001 - 5.500 6 $1,266,950 0.36% 72.50% 2.07% 91.90% 717 633 17.03%
5.501 - 6.000 195 34,809,178 10.01 70.64 0.73 90.00 737 615 34.84
6.001 - 6.500 930 151,636,538 43.61 71.96 1.53 100.00 737 619 37.56
6.501 - 7.000 987 140,104,460 40.30 72.47 2.04 103.00 731 604 31.52
7.001 - 7.500 130 18,152,745 5.22 75.80 2.69 97.00 722 625 25.11
7.501 - 8.000 10 1,705,349 0.49 81.30 11.70 90.00 715 649 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Coupon Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
5.001 - 5.500 100.00% 13.32% 63.06% $211,730 2
5.501 - 6.000 66.85 31.01 63.74 178,709 1
6.001 - 6.500 54.15 25.99 67.18 163,147 1
6.501 - 7.000 36.22 34.41 71.73 142,009 0
7.001 - 7.500 27.73 33.01 69.78 139,668 0
7.501 - 8.000 69.08 22.35 91.43 170,566 0
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
W.A.: 6.532
Lowest: 5.125
Highest: 7.875
3. Credit Score
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Credit Score Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
800 - 849 122 $17,845,543 5.13% 67.48% 1.10% 102.18% 807 800 34.95%
750 - 799 817 126,543,165 36.40 72.03 1.60 100.00 771 750 33.97
700 - 749 754 118,450,892 34.07 73.02 2.15 103.00 723 700 31.75
650 - 699 471 70,443,928 20.26 72.76 1.51 97.00 681 650 37.22
600 - 649 82 12,148,260 3.49 72.44 2.56 97.00 637 604 22.43
N/A 12 2,243,433 0.65 69.96 0.00 80.00 0 0 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Credit Score Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
800 - 849 39.84% 14.15% 62.14% $146,358 1
750 - 799 42.55 26.02 66.86 154,983 1
700 - 749 52.06 32.24 71.38 157,184 1
650 - 699 54.65 35.08 72.23 149,634 0
600 - 649 19.66 48.48 61.14 148,232 1
N/A 4.53 32.07 45.36 187,089 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
W.A.: 733
Lowest: 604
Highest: 839
4. Index
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Index Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
FIX 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Index Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
FIX 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
5. Loan Purpose
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Loan Purpose Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Purchase 1,401 $205,985,647 59.25% 78.23% 2.58% 103.00% 739 604 44.51%
Refinance-Cashout 617 104,958,696 30.19 63.08 0.20 90.00 726 611 17.43
Refinance-Rate/Term 230 34,404,827 9.90 64.29 1.54 94.15 724 626 23.36
Cons/Perm 10 2,326,051 0.67 78.37 4.67 85.00 721 692 0.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Loan Purpose Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Purchase 54.86% 0.00% 72.09% $147,116 1
Refinance-Cashout 34.38 100.00 64.12 170,185 0
Refinance-Rate/Term 35.43 0.00 62.34 149,693 0
Cons/Perm 100.00 0.00 100.00 232,882 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
6. Property Type
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Property Type Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
SFR 1,352 $189,065,036 54.38% 72.75% 2.01% 103.00% 732 604 34.34%
2-Family 239 44,943,643 12.93 68.09 1.07 91.14 732 622 15.16
Condo 285 41,305,730 11.88 74.09 1.72 102.18 741 626 38.78
PUD Detached 207 39,794,714 11.45 76.34 2.11 95.00 731 633 35.72
PUD Attached 69 10,714,625 3.08 74.76 1.82 90.00 736 615 47.46
3-Family 37 9,165,486 2.64 59.59 0.00 80.00 737 629 51.34
4-Family 36 8,431,189 2.43 64.34 0.00 80.00 749 684 55.86
Townhouse 33 4,254,799 1.22 76.90 3.06 90.00 716 633 36.18
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Property Type Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
SFR 53.24% 29.80% 100.00% $139,915 1
2-Family 40.58 49.67 0.00 188,164 1
Condo 26.44 13.24 0.00 145,005 1
PUD Detached 59.67 22.76 100.00 192,350 1
PUD Attached 50.87 17.77 100.00 155,355 0
3-Family 16.10 51.42 0.00 247,850 1
4-Family 15.57 49.27 0.00 234,342 1
Townhouse 42.58 23.42 0.00 129,275 0
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
7. Occupancy Status
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Occupancy Status Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
Investor 1,231 $169,713,516 48.81% 69.12% 1.85% 90.00% 736 604 25.52%
Primary 938 163,606,130 47.06 75.32 1.68 103.00 731 615 41.04
Secondary 89 14,355,575 4.13 75.05 1.83 95.00 730 628 52.77
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Occupancy Status Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
Investor 0.00% 39.28% 59.11% $137,939 1
Primary 100.00 22.06 79.36 174,521 1
Secondary 0.00 15.42 65.53 161,433 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
8. State
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
State Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
California 248 $56,494,234 16.25% 57.50% 0.10% 90.00% 740 622 27.86%
Florida 327 50,736,193 14.59 74.99 2.78 102.18 733 604 32.55
Texas 225 27,411,473 7.88 78.73 2.69 97.00 737 638 40.76
North Carolina 132 15,181,171 4.37 77.30 3.01 91.71 733 626 39.94
South Carolina 118 14,053,296 4.04 77.64 2.28 97.00 726 633 51.80
Illinois 74 13,611,197 3.91 71.66 1.47 90.00 737 638 36.70
Maryland 78 12,768,082 3.67 74.78 0.54 90.00 723 627 37.44
Arizona 69 12,634,618 3.63 69.58 0.93 91.61 732 625 27.47
Georgia 97 12,630,124 3.63 78.80 2.76 95.00 733 622 51.67
New York 58 11,719,524 3.37 70.18 1.79 97.00 721 622 16.22
Virginia 69 10,639,020 3.06 74.66 4.34 100.00 740 611 37.26
Massachusetts 45 10,425,051 3.00 71.40 0.41 90.00 718 629 28.53
Missouri 82 8,225,332 2.37 79.13 2.77 94.46 728 633 48.42
Washington 47 7,478,559 2.15 74.28 1.21 97.00 741 656 37.63
New Jersey 28 6,693,893 1.93 73.81 0.00 80.00 722 615 15.58
Oregon 37 6,047,909 1.74 71.65 0.66 90.00 754 644 27.11
Nevada 26 6,035,041 1.74 76.98 3.46 90.00 715 646 17.64
Pennsylvania 42 5,521,702 1.59 77.59 3.50 100.00 734 628 27.26
Hawaii 22 5,214,321 1.50 69.26 0.00 80.00 743 672 22.57
Tennessee 40 4,768,208 1.37 79.88 0.31 90.00 745 674 65.53
Other 394 49,386,273 14.20 75.33 1.91 103.00 732 621 32.98
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
State Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
California 38.71% 54.36% 60.17% $227,905 0
Florida 34.18 24.75 63.88 155,232 1
Texas 65.89 6.26 91.99 121,911 1
North Carolina 51.74 12.67 87.65 115,111 1
South Carolina 57.36 6.36 82.70 119,169 1
Illinois 49.20 30.18 51.52 184,035 1
Maryland 53.67 44.17 78.52 163,785 1
Arizona 19.41 57.12 82.70 183,168 0
Georgia 56.76 10.57 88.34 130,326 1
New York 69.82 33.49 43.49 202,170 1
Virginia 43.58 28.70 68.50 154,278 1
Massachusetts 57.17 37.25 39.76 231,759 0
Missouri 54.25 19.75 87.73 100,353 0
Washington 47.15 13.80 76.63 159,275 0
New Jersey 63.07 27.11 40.77 239,280 1
Oregon 36.68 26.51 72.38 163,551 1
Nevada 52.15 16.17 67.85 232,354 1
Pennsylvania 60.12 30.38 65.71 131,551 1
Hawaii 18.15 24.89 18.18 237,080 0
Tennessee 80.43 8.78 98.16 119,274 1
Other 46.15 35.54 69.76 125,407 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
9. County Distribution
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
County Distribution Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
LOS ANGELES ,CA 72 $17,944,519 5.16% 56.45% 0.00% 80.00% 737 636 32.81%
DADE ,FL 39 7,407,743 2.13 74.75 4.71 91.14 723 625 30.28
COOK ,IL 33 7,235,660 2.08 67.74 1.09 90.00 731 650 28.08
MARICOPA ,AZ 36 5,191,574 1.49 72.79 2.27 91.61 738 625 40.98
BROWARD ,FL 32 5,056,573 1.45 73.66 0.98 90.00 733 663 33.28
RIVERSIDE ,CA 22 4,449,426 1.28 66.31 0.69 82.16 746 647 26.30
CLARK ,NV 20 4,444,783 1.28 78.05 4.69 90.00 705 646 12.23
MOHAVE ,AZ 11 4,329,200 1.25 64.61 0.00 80.00 720 713 0.00
HONOLULU ,HI 19 4,117,324 1.18 68.22 0.00 80.00 743 681 17.05
PINELLAS ,FL 26 3,978,160 1.14 70.90 0.80 90.00 723 604 34.21
Other 1,948 283,520,261 81.55 73.50 1.86 103.00 734 611 35.37
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
County Distribution Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
LOS ANGELES ,CA 52.97% 65.45% 38.40% $249,356 1
DADE ,FL 26.91 18.26 33.45 190,012 0
COOK ,IL 44.90 38.98 33.72 219,380 1
MARICOPA ,AZ 31.37 41.86 87.37 144,273 0
BROWARD ,FL 35.25 25.65 37.44 158,105 1
RIVERSIDE ,CA 44.47 40.81 73.25 202,328 0
CLARK ,NV 58.19 15.97 75.93 222,350 1
MOHAVE ,AZ 3.68 96.32 96.32 393,564 0
HONOLULU ,HI 22.98 31.52 23.02 216,763 0
PINELLAS ,FL 40.04 33.51 51.21 153,107 1
Other 48.74 26.89 73.20 145,630 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
10. Original LTV
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original LTV Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
5.01 - 10.00 2 $161,238 0.05% 8.19% 0.00% 8.27% 780 776 63.11%
10.01 - 15.00 9 1,137,237 0.33 13.60 0.00 14.83 739 663 16.56
15.01 - 20.00 16 1,599,136 0.46 18.28 0.00 20.00 769 694 22.17
20.01 - 25.00 16 1,526,448 0.44 22.29 0.00 24.36 734 641 41.71
25.01 - 30.00 22 2,664,361 0.77 27.39 0.00 30.00 751 664 50.02
30.01 - 35.00 27 4,757,829 1.37 32.93 0.00 34.97 746 646 6.61
35.01 - 40.00 35 4,880,294 1.40 37.24 0.00 40.00 734 630 37.45
40.01 - 45.00 48 7,750,877 2.23 42.40 0.00 44.99 742 642 22.37
45.01 - 50.00 48 7,819,840 2.25 48.41 0.00 50.00 750 672 19.81
50.01 - 55.00 63 11,247,068 3.23 52.71 0.00 55.00 739 628 15.55
55.01 - 60.00 72 14,406,838 4.14 57.82 0.00 60.00 727 626 22.10
60.01 - 65.00 85 14,619,787 4.21 62.69 0.00 65.00 726 619 11.30
65.01 - 70.00 224 36,411,965 10.47 68.41 0.00 70.00 725 611 24.65
70.01 - 75.00 194 34,302,766 9.87 73.82 0.00 75.00 737 629 21.63
75.01 - 80.00 1,193 178,940,492 51.47 79.79 0.00 80.00 734 604 45.97
80.01 - 85.00 22 3,197,422 0.92 83.47 11.47 85.00 723 670 9.79
85.01 - 90.00 150 18,061,247 5.19 89.84 25.00 90.00 732 621 17.87
90.01 - 95.00 18 2,897,668 0.83 93.40 29.42 95.00 720 628 0.00
95.01 - 100.00 12 1,024,150 0.29 98.43 31.37 100.00 705 643 91.48
>= 100.01 2 268,559 0.08 102.36 35.00 103.00 791 749 100.00
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original LTV Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
5.01 - 10.00 0.00% 36.89% 36.89% $80,619 0
10.01 - 15.00 65.61 53.15 31.25 126,434 1
15.01 - 20.00 20.97 54.03 65.25 99,992 1
20.01 - 25.00 27.51 53.87 69.69 95,429 0
25.01 - 30.00 21.11 71.66 50.09 121,159 0
30.01 - 35.00 40.92 52.03 58.32 176,285 0
35.01 - 40.00 25.40 61.58 53.34 139,481 0
40.01 - 45.00 21.71 61.01 67.98 161,565 1
45.01 - 50.00 32.86 59.09 70.17 162,980 0
50.01 - 55.00 41.38 62.56 56.88 178,614 0
55.01 - 60.00 31.24 65.32 61.04 200,163 0
60.01 - 65.00 26.20 71.11 61.52 172,072 0
65.01 - 70.00 23.94 69.12 63.34 162,648 1
70.01 - 75.00 22.95 38.80 52.14 176,939 1
75.01 - 80.00 63.44 10.60 74.99 150,080 1
80.01 - 85.00 48.41 46.11 93.72 145,457 1
85.01 - 90.00 31.51 0.62 76.64 120,471 1
90.01 - 95.00 85.49 0.00 80.35 161,108 1
95.01 - 100.00 100.00 0.00 100.00 85,405 1
>= 100.01 100.00 0.00 22.52 134,464 2
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
W.A.: 72.28%
Lowest: 8.06%
Highest: 103.00%
11. Original Term
Aggregate
Number Current Percent W.A. W.A. Max W.A. Min. Percent
Mortgage Principal Principal Original MI Original FICO FICO Full
Original Term Loans Balance Balance LTV Coverage LTV Score Score Documentation
- --------------------------------------------------------------------------------------------------------------------------------
235 - 240 14 $2,489,530 0.72% 63.50% 1.24% 91.90% 728 633 4.23%
241 - 288 2 149,603 0.04 33.97 0.00 41.59 790 776 0.00
295 - 300 16 1,761,172 0.51 60.89 1.09 90.00 747 688 24.57
355 - 360 2,226 343,274,916 98.73 72.42 1.78 103.00 733 604 34.22
- --------------------------------------------------------------------------------------------------------------------------------
Total: 2,258 $347,675,221 100.00% 72.28% 1.77% 103.00% 733 604 33.95%
- --------------------------------------------------------------------------------------------------------------------------------
Average
Percent Percent Original W.A.
Owner Cash-Out Percent Principal Loan
Original Term Occupied Refinance SFR or PUD Balance Age
- ------------------------------------------------------------------------------
235 - 240 79.59% 58.89% 27.34% $178,062 1
241 - 288 0.00 0.00 100.00 74,912 1
295 - 300 36.27 50.55 54.18 110,153 1
355 - 360 46.90 29.89 69.27 154,297 1
- ------------------------------------------------------------------------------
Total: 47.06% 30.19% 68.91% $154,062 1
- ------------------------------------------------------------------------------
W.A.: 358.8 months
Lowest: 240 months
Highest: 360 months
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Banc of America Securities LLC
BoAAlt 06-1
Group 1
1. General Pool Characteristics
Pool Size: $75,588,228.62
Loan Count: 497
Cut-off Date: 2006-01-01
Avg. Loan Balance: $152,088.99
Avg. Orig. Balance: $152,196.27
W.A. FICO: 742
W.A. Orig. LTV: 67.04%
W.A. Cut-Off LTV: 66.99%
W.A. Gross Coupon: 6.3025%
W.A. Net Coupon: 6.0460%
W.A. Admin Fee: 0.2565%
W.A. Orig. Term: 359 months
W.A. Rem. Term: 359 months
W.A. Age: 1 months
% over 80 COLTV: 4.24%
% over 100 COLTV: 0.00%
% with PMI: 4.24%
% over 80 with PMI: 100.00%
W.A. MI Coverage: 24.07%
W.A. MI Adjusted LTV: 66.07%
% Second Lien: 0.00%
% with Prepay Penalty: 0.00%
% Balloon: 0.00%
Max. Zipcode Conc.: 1.48%
% Conforming: 100.00%
2. Original Balance
Original Balance Percent
- ----------------------------
<= 50,000 1.67%
50,001 - 100,000 14.14
100,001 - 150,000 21.68
150,001 - 200,000 18.07
200,001 - 250,000 15.07
250,001 - 300,000 10.62
300,001 - 350,000 6.45
350,001 - 400,000 5.90
400,001 - 450,000 4.45
450,001 - 500,000 1.26
500,001 - 550,000 0.69
- ----------------------------
Total: 100.00%
Average: $152,196.27
Lowest: $18,000.00
Highest: $521,250.00
3. Cut-Off Balance
Cut-Off Balance Percent
- ----------------------------
<= 50,000 1.67%
50,001 - 100,000 14.14
100,001 - 150,000 21.68
150,001 - 200,000 18.07
200,001 - 250,000 15.07
250,001 - 300,000 10.62
300,001 - 350,000 6.45
350,001 - 400,000 5.90
400,001 - 450,000 4.45
450,001 - 500,000 1.26
500,001 - 550,000 0.69
- ----------------------------
Total: 100.00%
Average: $152,088.99
Lowest: $17,983.72
Highest: $520,743.38
4. Index
Index Percent
- ----------------------------
FIX 100.00%
- ----------------------------
Total: 100.00%
5. Product Type
Product Type Percent
- ----------------------------
30 YR FIXED 99.14%
25 YR FIXED 0.50
20 YR FIXED 0.37
- ----------------------------
Total: 100.00%
6. Coupon
Coupon Percent
- ----------------------------
5.625 0.47%
5.750 2.41
5.875 6.37
6.000 4.39
6.125 5.78
6.250 24.65
6.375 24.11
6.500 31.81
- ----------------------------
Total: 100.00%
W.A.: 6.303
Lowest: 5.625
Highest: 6.500
7. Credit Score
Credit Score Percent
- ----------------------------
800 - 849 7.09%
750 - 799 47.24
700 - 749 26.75
650 - 699 14.27
600 - 649 4.65
- ----------------------------
Total: 100.00%
W.A.: 742
Lowest: 619
Highest: 839
8. Lien Position
Lien Position Percent
- ----------------------------
1 100.00%
- ----------------------------
Total: 100.00%
9. Loan Purpose
Loan Purpose Percent
- ----------------------------
Purchase 48.65%
Refinance-Cashout 35.85
Refinance-Rate/Term 15.50
- ----------------------------
Total: 100.00%
10. Property Type
Property Type Percent
- ----------------------------
SFR 44.85%
2-Family 17.14
Condo 16.41
4-Family 6.49
3-Family 5.97
PUD Detached 5.71
PUD Attached 2.15
Townhouse 1.27
- ----------------------------
Total: 100.00%
11. Documentation
Documentation Percent
- ----------------------------
Reduced 53.22%
Standard 34.52
Stated 7.40
No Ratio 3.99
Rapid 0.87
- ----------------------------
Total: 100.00%
12. Occupancy Status
Occupancy Status Percent
- ----------------------------
Investor 100.00%
- ----------------------------
Total: 100.00%
13. PMI Providers
PMI Providers Percent
- ----------------------------
NONE 95.76%
UGRIC 1.26
GEMIC 0.87
RMIC 0.77
PMIC 0.77
RGIC 0.38
TGIC 0.13
MGIC 0.07
- ----------------------------
Total: 100.00%
14. State
State Percent
- ----------------------------
California 22.34%
Florida 12.98
Texas 5.70
Hawaii 5.19
Illinois 4.98
Other 48.81
- ----------------------------
Total: 100.00%
15. California
California Percent
- ----------------------------
Northern 37.73%
Southern 62.27
- ----------------------------
Total: 100.00%
16. Zip Code
Zip Code Percent
- ----------------------------
60625 1.48%
85344 1.02
92234 0.78
96815 0.73
96817 0.72
Other 95.27
- ----------------------------
Total: 100.00%
17. Delinquency*
Delinquency* Percent
- ----------------------------
0-29 days 100.00%
- ----------------------------
Total: 100.00%
* MBA method
18. Times 30 Days DLQ
Times 30 Days DLQ Percent
- ----------------------------
0 99.70%
1 0.30
- ----------------------------
Total: 100.00%
19. Convertible Flag
Convertible Flag Percent
- ----------------------------
N 100.00%
- ----------------------------
Total: 100.00%
20. Buydown Agreement
Buydown Agreement Percent
- ----------------------------
N 100.00%
- ----------------------------
Total: 100.00%
21. Original Term
Original Term Percent
- ----------------------------
240 0.37%
300 0.50
360 99.14
- ----------------------------
Total: 100.00%
W.A.: 359.3 months
Lowest: 240 months
Highest: 360 months
22. Cut-Off Remaining Term
Cut-Off
Remaining Term Percent
- ----------------------------
235 - 240 0.37%
295 - 300 0.50
355 - 360 99.14
- ----------------------------
Total: 100.00%
W.A.: 358.6 months
Lowest: 240 months
Highest: 360 months
23. Cutoff Loan Age
Cutoff Loan Age Percent
- ----------------------------
0 44.04%
1 - 6 55.96
- ----------------------------
Total: 100.00%
W.A.: 0.6 months
Lowest: 0 months
Highest: 4 months
24. OLTV
OLTV Percent
- ----------------------------
<= 20.00 1.14%
20.01 - 25.00 0.65
25.01 - 30.00 1.40
30.01 - 35.00 2.23
35.01 - 40.00 2.14
40.01 - 45.00 3.37
45.01 - 50.00 3.71
50.01 - 55.00 6.35
55.01 - 60.00 4.72
60.01 - 65.00 6.64
65.01 - 70.00 16.57
70.01 - 75.00 19.59
75.01 - 80.00 27.25
80.01 - 85.00 0.30
85.01 - 90.00 3.94
- ----------------------------
Total: 100.00%
W.A.: 67.04%
Lowest: 12.44%
Highest: 90.00%
25. Cut-Off LTV
Cut-Off LTV Percent
- ----------------------------
<= 20.00 1.14%
20.01 - 25.00 0.65
25.01 - 30.00 1.40
30.01 - 35.00 2.23
35.01 - 40.00 2.14
40.01 - 45.00 3.37
45.01 - 50.00 3.71
50.01 - 55.00 6.35
55.01 - 60.00 4.72
60.01 - 65.00 6.64
65.01 - 70.00 16.57
70.01 - 75.00 19.68
75.01 - 80.00 27.16
80.01 - 85.00 0.30
85.01 - 90.00 3.94
- ----------------------------
Total: 100.00%
W.A.: 66.99%
Lowest: 12.44%
Highest: 90.00%
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Banc of America Securities LLC
BoAAlt 06-1
Group 2
1. General Pool Characteristics
Pool Size: $112,124,438.20
Loan Count: 634
Cut-off Date: 2006-01-01
Avg. Loan Balance: $176,852.43
Avg. Orig. Balance: $176,978.34
W.A. FICO*: 733
W.A. Orig. LTV: 74.88%
W.A. Cut-Off LTV: 74.82%
W.A. Gross Coupon: 6.2438%
W.A. Net Coupon: 5.9873%
W.A. Admin Fee: 0.2565%
W.A. Orig. Term: 358 months
W.A. Rem. Term: 357 months
W.A. Age: 1 months
% over 80 COLTV: 6.65%
% over 100 COLTV: 0.00%
% with PMI: 6.65%
% over 80 with PMI: 100.00%
W.A. MI Coverage: 24.55%
W.A. MI Adjusted LTV: 73.33%
% Second Lien: 0.00%
% with Prepay Penalty: 0.00%
% Balloon: 0.00%
Max. Zipcode Conc.: 0.73%
% Conforming: 100.00%
* Excludes Non-Resident Aliens
2. Original Balance
Original Balance Percent
- ---------------------------
<= 50,000 0.23%
50,001 - 100,000 7.92
100,001 - 150,000 21.35
150,001 - 200,000 17.94
200,001 - 250,000 16.25
250,001 - 300,000 15.94
300,001 - 350,000 7.46
350,001 - 400,000 7.69
400,001 - 450,000 3.34
450,001 - 500,000 0.82
500,001 - 550,000 0.46
650,001 - 700,000 0.60
Total: 100.00%
- ---------------------------
Average: $176,978.34
Lowest: $36,860.00
Highest: $675,000.00
3. Cut-Off Balance
Cut-Off Balance Percent
- ---------------------------
<= 50,000 0.23%
50,001 - 100,000 7.92
100,001 - 150,000 21.35
150,001 - 200,000 17.94
200,001 - 250,000 16.48
250,001 - 300,000 15.72
300,001 - 350,000 7.46
350,001 - 400,000 7.69
400,001 - 450,000 3.34
450,001 - 500,000 0.82
500,001 - 550,000 0.46
650,001 - 700,000 0.60
- ----------------------------
Total: 100.00%
Average: $176,852.43
Lowest: $36,860.00
Highest: $674,343.93
4. Index
Index Percent
- ---------------------------
FIX 100.00%
- ----------------------------
Total: 100.00%
5. Product Type
Product Type Percent
- ---------------------------
30 YR FIXED 97.73%
20 YR FIXED 1.77
25 YR FIXED 0.50
- ----------------------------
Total: 100.00%
6. Coupon
Coupon Percent
- ---------------------------
5.125 0.09%
5.250 0.27
5.375 0.43
5.500 0.34
5.625 0.77
5.750 3.45
5.875 7.94
6.000 9.69
6.125 9.69
6.250 19.54
6.375 22.00
6.500 25.79
- ----------------------------
Total: 100.00%
W.A.: 6.244
Lowest: 5.125
Highest: 6.500
7. Credit Score
Credit Score Percent
- ---------------------------
800 - 849 3.53%
750 - 799 36.16
700 - 749 37.42
650 - 699 21.47
600 - 649 0.82
N/A 0.60
- ----------------------------
Total: 100.00%
W.A.: 733
Lowest: 615
Highest: 836
8. Lien Position
Lien Position Percent
- ---------------------------
1 100.00%
- ----------------------------
Total: 100.00%
9. Loan Purpose
Loan Purpose Percent
- ---------------------------
Purchase 70.75%
Refinance-Cashout 20.76
Refinance-Rate/Term 7.08
Cons/Perm 1.42
- ----------------------------
Total: 100.00%
10. Property Type
Property Type Percent
- ---------------------------
SFR 56.22%
PUD Detached 16.15
2-Family 14.43
Condo 6.69
PUD Attached 3.45
Townhouse 1.39
4-Family 0.90
3-Family 0.77
- ----------------------------
Total: 100.00%
11. Documentation
Documentation Percent
- ---------------------------
Standard 38.54%
Stated 36.37
Reduced 15.46
No Ratio 8.59
Rapid 1.04
- ----------------------------
Total: 100.00%
12. Occupancy Status
Occupancy Status Percent
- ---------------------------
Primary 95.11%
Secondary 4.89
- ----------------------------
Total: 100.00%
13. PMI Providers
PMI Providers Percent
- ---------------------------
NONE 93.35%
UGRIC 2.17
RMIC 1.37
PMIC 1.01
RGIC 0.99
GEMIC 0.90
MGIC 0.21
- ----------------------------
Total: 100.00%
14. State
State Percent
- ---------------------------
California 14.54%
Texas 12.40
Florida 8.41
South Carolina 6.75
North Carolina 6.26
Other 51.64
- ----------------------------
Total: 100.00%
15. California
California Percent
- ---------------------------
Northern 27.71%
Southern 72.29
- ----------------------------
Total: 100.00%
16. Zip Code
Zip Code Percent
- ---------------------------
11356 0.73%
19106 0.60
22192 0.59
98466 0.52
29016 0.51
Other 97.04
- ----------------------------
Total: 100.00%
17. Delinquency*
Delinquency* Percent
- ---------------------------
0-29 days 100.00%
- ----------------------------
Total: 100.00%
* MBA method
18. Times 30 Days DLQ
Times 30 Days DLQ Percent
- ---------------------------
0 99.58%
1 0.42
- ----------------------------
Total: 100.00%
19. Convertible Flag
Convertible Flag Percent
- ---------------------------
N 100.00%
- ----------------------------
Total: 100.00%
20. Buydown Agreement
Buydown Agreement Percent
- ---------------------------
N 99.81%
Y 0.19
- ----------------------------
Total: 100.00%
21. Original Term
Original Term Percent
- ---------------------------
240 1.77%
300 0.50
360 97.73
- ----------------------------
Total: 100.00%
W.A.: 357.6 months
Lowest: 240 months
Highest: 360 months
22. Cut-Off Remaining Term
Cut-Off
Remaining Term Percent
- ---------------------------
235 - 240 1.77%
295 - 300 0.50
355 - 360 97.73
- ----------------------------
Total: 100.00%
W.A.: 357.0 months
Lowest: 237 months
Highest: 360 months
23. Cutoff Loan Age
Cutoff Loan Age Percent
- ---------------------------
0 45.76%
1 - 6 54.24
- ----------------------------
Total: 100.00%
W.A.: 0.6 months
Lowest: 0 months
Highest: 5 months
24. OLTV
OLTV Percent
- ---------------------------
<= 20.00 0.88%
20.01 - 25.00 0.30
25.01 - 30.00 0.38
30.01 - 35.00 1.06
35.01 - 40.00 1.41
40.01 - 45.00 0.87
45.01 - 50.00 1.24
50.01 - 55.00 3.34
55.01 - 60.00 2.47
60.01 - 65.00 2.42
65.01 - 70.00 5.56
70.01 - 75.00 5.70
75.01 - 80.00 67.72
80.01 - 85.00 1.23
85.01 - 90.00 2.73
90.01 - 95.00 2.09
95.01 - 100.00 0.60
- ----------------------------
Total: 100.00%
W.A.: 74.88%
Lowest: 10.07%
Highest: 100.00%
25. Cut-Off LTV
Cut-Off LTV Percent
- ---------------------------
<= 20.00 0.88%
20.01 - 25.00 0.30
25.01 - 30.00 0.38
30.01 - 35.00 1.06
35.01 - 40.00 1.41
40.01 - 45.00 0.87
45.01 - 50.00 1.24
50.01 - 55.00 3.34
55.01 - 60.00 2.47
60.01 - 65.00 2.70
65.01 - 70.00 5.29
70.01 - 75.00 5.70
75.01 - 80.00 67.72
80.01 - 85.00 1.23
85.01 - 90.00 2.73
90.01 - 95.00 2.09
95.01 - 100.00 0.60
- ----------------------------
Total: 100.00%
W.A.: 74.82%
Lowest: 10.07%
Highest: 100.00%
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.
Banc of America Securities LLC
BoAAlt 06-1
Group 3
1. General Pool Characteristics
Pool Size: $98,815,939.64
Loan Count: 760
Cut-off Date: 2006-01-01
Avg. Loan Balance: $130,020.97
Avg. Orig. Balance: $130,070.63
W.A. FICO*: 730
W.A. Orig. LTV: 71.07%
W.A. Cut-Off LTV: 71.04%
W.A. Gross Coupon: 6.8473%
W.A. Net Coupon: 6.5908%
W.A. Admin Fee: 0.2565%
W.A. Orig. Term: 359 months
W.A. Rem. Term: 359 months
W.A. Age: 0 months
% over 80 COLTV: 10.44%
% over 100 COLTV: 0.00%
% with PMI: 10.44%
% over 80 with PMI: 98.53%
W.A. MI Coverage: 23.46%
W.A. MI Adjusted LTV: 68.85%
% Second Lien: 0.00%
% with Prepay Penalty: 0.00%
% Balloon: 0.00%
Max. Zipcode Conc.: 4.22%
% Conforming: 100.00%
*Excludes Non-Resident Aliens
2. Original Balance
Original Balance Percent
- ---------------------------
<= 50,000 4.06%
50,001 - 100,000 19.63
100,001 - 150,000 21.32
150,001 - 200,000 17.63
200,001 - 250,000 12.77
250,001 - 300,000 6.08
300,001 - 350,000 5.93
350,001 - 400,000 6.47
400,001 - 450,000 5.09
450,001 - 500,000 0.47
500,001 - 550,000 0.56
- ----------------------------
Total: 100.00%
Average: $130,070.63
Lowest: $18,800.00
Highest: $550,000.00
3. Cut-Off Balance
Cut-Off Balance Percent
- ---------------------------
<= 50,000 4.06%
50,001 - 100,000 19.63
100,001 - 150,000 21.32
150,001 - 200,000 17.63
200,001 - 250,000 12.77
250,001 - 300,000 6.08
300,001 - 350,000 5.93
350,001 - 400,000 6.47
400,001 - 450,000 5.09
450,001 - 500,000 0.47
500,001 - 550,000 0.56
- ----------------------------
Total: 100.00%
Average: $130,020.97
Lowest: $18,800.00
Highest: $549,526.46
4. Index
Index Percent
- ---------------------------
FIX 100.00%
- ----------------------------
Total: 100.00%
5. Product Type
Product Type Percent
- ---------------------------
30 YR FIXED 98.86%
25 YR FIXED 0.76
20 YR FIXED 0.23
23 YR FIXED 0.10
24 YR FIXED 0.05
- ----------------------------
Total: 100.00%
6. Coupon
Coupon Percent
- ---------------------------
6.625 14.52%
6.750 41.97
6.875 20.04
7.000 9.65
7.125 9.10
7.250 1.34
7.375 1.00
7.500 1.84
7.625 0.14
7.750 0.15
7.875 0.24
- ----------------------------
Total: 100.00%
W.A.: 6.847
Lowest: 6.625
Highest: 7.875
7. Credit Score
Credit Score Percent
- ---------------------------
800 - 849 4.98%
750 - 799 34.09
700 - 749 34.01
650 - 699 19.43
600 - 649 6.28
N/A 1.22
- ----------------------------
Total: 100.00%
W.A.: 730
Lowest: 604
Highest: 817
8. Lien Position
Lien Position Percent
- ---------------------------
1 100.00%
- ----------------------------
Total: 100.00%
9. Loan Purpose
Loan Purpose Percent
- ---------------------------
Purchase 48.61%
Refinance-Cashout 40.77
Refinance-Rate/Term 10.62
- ----------------------------
Total: 100.00%
10. Property Type
Property Type Percent
- ---------------------------
SFR 50.44%
Condo 15.86
2-Family 13.91
PUD Detached 9.91
3-Family 3.22
PUD Attached 3.05
4-Family 2.24
Townhouse 1.37
- ----------------------------
Total: 100.00%
11. Documentation
Documentation Percent
- ---------------------------
Reduced 58.01%
Standard 20.50
Stated 17.60
No Ratio 2.72
All Ready Home 1.18
- ----------------------------
Total: 100.00%
12. Occupancy Status
Occupancy Status Percent
- ---------------------------
Investor 95.25%
Secondary 4.75
- ----------------------------
Total: 100.00%
13. PMI Providers
PMI Providers Percent
- ---------------------------
NONE 89.56%
PMIC 2.80
GEMIC 1.98
UGRIC 1.86
RGIC 1.51
RMIC 1.44
MGIC 0.47
TGIC 0.37
- ----------------------------
Total: 100.00%
14. State
State Percent
- ---------------------------
Florida 21.13%
California 17.03
Arizona 7.75
Texas 4.26
Maryland 3.97
Other 45.87
- ----------------------------
Total: 100.00%
15. California
California Percent
- ---------------------------
Northern 47.55%
Southern 52.45
- ----------------------------
Total: 100.00%
16. Zip Code
Zip Code Percent
- ---------------------------
86429 4.22%
92114 0.87
94510 0.68
90744 0.64
91367 0.60
Other 92.99
- ----------------------------
Total: 100.00%
17. Delinquency*
Delinquency* Percent
- ---------------------------
0-29 days 100.00%
- ----------------------------
Total: 100.00%
* MBA method
18. Times 30 Days DLQ
Times 30 Days DLQ Percent
- ---------------------------
0 100.00%
- ----------------------------
Total: 100.00%
19. Convertible Flag
Convertible Flag Percent
- ---------------------------
N 100.00%
- ----------------------------
Total: 100.00%
- ---------------------------
20. Buydown Agreement
Buydown
Agreement Percent
- ---------------------------
N 100.00%
- ----------------------------
Total: 100.00%
21. Original Term
Original Term Percent
- ---------------------------
240 0.23%
276 0.10
288 0.05
300 0.76
360 98.86
- ----------------------------
Total: 100.00%
W.A.: 359.1 months
Lowest: 240 months
Highest: 360 months
22. Cut-Off Remaining Term
Cut-Off
Remaining Term Percent
- ---------------------------
235 - 240 0.23%
241 - 288 0.15
295 - 300 0.76
355 - 360 98.86
- ----------------------------
Total: 100.00%
W.A.: 358.7 months
Lowest: 240 months
Highest: 360 months
23. Cutoff Loan Age
Cutoff Loan Age Percent
- ---------------------------
0 60.34%
1 - 6 39.66
- ----------------------------
Total: 100.00%
W.A.: 0.4 months
Lowest: 0 months
Highest: 4 months
24. OLTV
OLTV Percent
- ---------------------------
<= 20.00 0.97%
20.01 - 25.00 0.62
25.01 - 30.00 1.05
30.01 - 35.00 1.14
35.01 - 40.00 1.70
40.01 - 45.00 3.50
45.01 - 50.00 2.48
50.01 - 55.00 1.65
55.01 - 60.00 5.67
60.01 - 65.00 5.84
65.01 - 70.00 13.87
70.01 - 75.00 10.60
75.01 - 80.00 40.30
80.01 - 85.00 1.44
85.01 - 90.00 9.16
- ----------------------------
Total: 100.00%
W.A.: 71.07%
Lowest: 8.06%
Highest: 90.00%
25. Cut-Off LTV
Cut-Off LTV Percent
- -----------------------
<= 20.00 0.97%
20.01 - 25.00 0.62
25.01 - 30.00 1.05
30.01 - 35.00 1.14
35.01 - 40.00 1.70
40.01 - 45.00 3.50
45.01 - 50.00 2.48
50.01 - 55.00 1.65
55.01 - 60.00 5.67
60.01 - 65.00 5.84
65.01 - 70.00 13.87
70.01 - 75.00 10.60
75.01 - 80.00 40.46
80.01 - 85.00 1.28
85.01 - 90.00 9.16
- -----------------------
Total: 100.00%
W.A.: 71.04%
Lowest: 8.06%
Highest: 90.00%
Banc of America Securities LLC
- --------------------------------------------------------------------------------
The issuer has filed a registration statement (including a prospectus) with the
SEC for the offering to which this communication relates. Before you invest, you
should read the prospectus in that registration statement and other documents
the issuer has filed with the SEC for more complete information about the issuer
and this offering. You may get these documents for free by visiting EDGAR on the
SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any
dealer participating in the offering will arrange to send to you the prospectus
if you request it by calling toll-free 1-800-294-1322 or you may e-mail a
request to dg.prospectus_distribution@bofasecurities.com.The information
contained in these materials may be based on assumptions regarding market
conditions and other matters as reflected herein. Banc of America Securities LLC
(the "Underwriter") makes no representation regarding the reasonableness of such
assumptions or the likelihood that any such assumptions will coincide with
actual market conditions or events, and these materials should not be relied
upon for such purposes. The Underwriter and its affiliates, officers, directors,
partners and employees, including persons involved in the preparation or
issuance of these materials, may, from time to time, have long or short
positions in, and buy and sell, the securities mentioned herein or derivatives
thereof (including options). Information in these materials is current as of the
date appearing on the material only. Information in these materials regarding
any securities discussed herein supersedes all prior information regarding such
securities. These materials are not to be construed as an offer to sell or the
solicitation of any offer to buy any security in any jurisdiction where such an
offer or solicitation would be illegal.