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                                                                     EXHIBIT 4.2


            This Mortgage Loan Purchase Agreement (the "Agreement"), dated
[____] [__], 20[__], is between Banc of America Mortgage Securities, Inc., a
Delaware corporation (the "Purchaser" or the "Company") and Bank of America,
National Association, a national banking association ("BANA" or the "Seller").

            The Purchaser and the Seller hereby recite and agree as follows:

            1. Defined Terms. Terms used without definition herein shall have
the respective meanings assigned to them in the Pooling and Servicing Agreement,
dated [____] [__], 20[__] (the "Pooling and Servicing Agreement"), among the
Company, BANA, as servicer, LaSalle Bank National Association, as securities
administrator (the "Securities Administrator"), and U.S. Bank National
Association, as trustee (the "Trustee"), relating to the issuance of the Banc of
America Mortgage 20[__]-[_] Trust, Mortgage Pass-Through Certificates, Series
20[__]-[_] (the "Certificates") or, if not defined therein, in the underwriting
agreement dated [___] [__] 20[__] (the "Underwriting Agreement"), among the
Company, BANA and Banc of America Securities LLC (the "Underwriter") or in the
purchase agreement dated [____] [__], 20[__] (the "Purchase Agreement"), among
the Company, BANA and Banc of America Securities LLC.

            2. Purchase Price; Purchase and Sale. The Seller agrees to sell, and
the Company agrees to purchase, the mortgage loans (the "Mortgage Loans"),
listed in the Mortgage Loan Schedule. The purchase price (the "Purchase Price")
for the Mortgage Loans shall consist of $[_______] payable by the Company to the
Seller on the Closing Date in immediately available funds.

            Upon payment of the Purchase Price, the Seller shall be deemed to
have transferred, assigned, set over and otherwise conveyed to the Company all
the right, title and interest of the Seller in and to the Mortgage Loans,
including all interest and principal received or receivable by the Seller on or
with respect to the Mortgage Loans after the Cut-off Date (and including
scheduled payments of principal and interest due after the Cut-off Date but
received by the Seller on or before the Cut-off Date and Principal Prepayments
received or applied on the Cut-off Date, but not including payments of principal
and interest due on the Mortgage Loans on or before the Cut-off Date), together
with all of the Seller's rights, title and interest in and to the proceeds of
any related title, hazard, primary mortgage, mortgage pool policy or other
insurance policies, but excluding any fees payable by a Mortgagor for the right
to cancel any portion of principal or interest of a BPP Mortgage Loan. The
Company hereby directs the Seller, and the Seller hereby agrees, to deliver to
the Custodian on behalf of the Trustee all documents, in 

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