item 14 principal accounting fees services applicable part iv item 15 item 14 principal accounting fees services applicable part iv item 15 item 14 exhibits financial statement schedules reports form 8k exhibits 991 annual independent accountants servicing reports concerning servicing activities year ended december 31 2002 bank america na servicer 992 report management compliance minimum servicing standards year ended december 31 2002 bank america na servicer 993 annual statements compliance pooling servicing agreements year ended december 31 2002 bank america na servicer 994 aggregate statement principal interest distributions certificate holders b reports form 8k dated october 31 2002 november 30 2002 december 31 2002 filed company order provide statements monthly distributions holders certificates reports form 8k filed last quarter period covered report c applicable omitted signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized bank america mortgage securities inc mortgage passthrough certificates series 20024 trust registrant signed bank america na servicer judy lowman vice president judy lowman vice president dated march 28 2003 servicers sarbanesoxley certification 2002 transactions bank america mortgage securities inc mortgage passthrough certificates series set forth exhibit hereto gary k bettin senior vice president bank america na certify 1 reviewed annual reports form 10k calendar year 2002 monthly current reports form 8k containing copy monthly statement certificateholders distribution date statements delivered pursuant section 504a pooling servicing agreements listed exhibit hereto agreement filed respect periods included year covered annual reports trusts trust formed pursuant agreements 2 based knowledge respect trust information reports taken whole contain untrue statement material fact omit state material fact necessary make statements made light circumstances statements made misleading last day period covered annual report 3 based knowledge distribution servicing information required provided trustee servicer agreement inclusion related trusts distribution date statements included reports 4 responsible reviewing activities performed servicer agreement based upon knowledge annual compliance review required agreement except disclosed reports servicer fulfilled obligations agreement 5 reports disclose significant deficiencies relating servicers compliance minimum servicing standards based upon report provided independent public accountant conducting review compliance uniform single attestation program mortgage bankers similar procedure set forth agreement included reports 6 giving certifications reasonably relied information provided following unaffiliated party bank new york name gary k bettin title senior vice president exhibit supplemental information furnished reports filed pursuant section 15d act registrants registered securities pursuant section 12 act ai annual report provided certificateholders respect aggregate principal interest distributions aii proxy statement form proxy soliciting material sent certificateholder respect annual meeting certificateholders ex994 schedule yeartodate principal interest distributions certificateholders item 7 managements discussion analysis financial condition results operation omitted item 7a item 7 managements discussion analysis financial condition results operation omitted item 7a item 7 managements discussion analysis financial condition results operation omitted item 7a item 7a quantitative qualitative disclosures market risk applicable item 8 item 7a quantitative qualitative disclosures market risk applicable item 8 item 7a quantitative qualitative disclosures market risk applicable item 8 item 8 financial statements supplementary data omitted item 9 item 8 financial statements supplementary data omitted item 9 item 8 financial statements supplementary data see item 14a exhibits 991 992 993 information provided lieu information required item 302 regulation sk item 9 item 15 exhibits financial statement schedules reports form 8k applicable b monthly distribution date statements filed exhibits form 8k october 3 2003 november 5 2003 december 3 2003 c 41 pooling servicing agreement filed exhibit form 8k july 14 2003 311 rule 13a14a15d14a certification 991 annual independent public accountants servicing report concerning servicing activities year ended december 31 2003 992 annual statement compliance pooling servicing agreement year ended december 31 2003 applicable signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized bank america mortgage securities inc mortgage passthrough certificates series 20024 registrant signed bank america na servicer judy v lowman officer judy v lowman officer dated march 3 2004 supplemental information furnished reports filed pursuant section 15d act registrants registered securities pursuant section 12 act ai annual report provided certificateholders respect aggregate principal interest distributions aii proxy statement form proxy soliciting material sent certificateholder respect annual meeting certificateholders exhibit index exhibit 41 pooling servicing agreement filed exhibit form 8k july 14 2003 311 rule 13a14a15d14a certification 991 annual independent public accountants servicing report concerning servicing activities year ended december 31 2003 992 annual statement compliance pooling servicing agreement year ended december 31 2003 item 15 exhibits financial statement schedules following list documents filed part annual report form 10k 41 pooling servicing agreement filed exhibit form 8k july 14 2003 311 rule 13a14a15d14a certification 991 annual independent accountants servicing reports concerning servicing activities year ended december 31 2004 992 annual statements compliance pooling servicing agreement year ended december 31 2004 b exhibits required filed registrant pursuant item 601 regulation sk listed exhibit index immediately follows signature page hereof c applicable signatures pursuant requirements section 13 15d securities exchange act 1934 registrant duly caused report signed behalf undersigned thereunto duly authorized bank america mortgage securities inc mortgage passthrough certificates series 20024 bank america mortgage 20024 trust registrant signed bank america na servicer robert caruso name robert caruso title senior vice president dated march 21 2005 supplemental information furnished reports filed pursuant section 15d act registrants registered securities pursuant section 12 act ai annual report provided certificateholders respect aggregate principal interest distributions aii proxy statement form proxy soliciting material sent certificateholder respect annual meeting certificateholders exhibit index exhibit 41 pooling servicing agreement filed exhibit form 8k july 14 2003 311 rule 13a14a15d14a certification 991 annual independent public accountants servicing report concerning servicing activities year ended december 31 2004 992 annual statement compliance pooling servicing agreement year ended december 31 2004 exhibit 311 certification robert caruso senior vice president bank america na certify 1 reviewed annual report form 10k monthly current reports form 8k containing distribution servicing reports filed respect periods included year covered annual report bank america mortgage 20024 trust formed pursuant pooling servicing agreement dated april 25 2002 among bank america mortgage securities inc bank america na bank new york agreement 2 based knowledge information reports taken whole contain untrue statement material fact omit state material fact necessary make statements made light circumstances statements made misleading last day period covered annual report 3 based knowledge distribution servicing information required provided trustee servicer agreement inclusion reports included reports 4 responsible reviewing activities performed servicer agreement based upon knowledge annual compliance review required agreement except disclosed reports servicer fulfilled obligations agreement 5 reports disclose significant deficiencies relating servicers compliance minimum servicing standards based upon report provided independent public accountant conducting review compliance uniform single attestation program mortgage bankers similar procedure set forth agreement included reports giving certifications reasonably relied information provided following unaffiliated party bank new york robert caruso name robert caruso title senior vice president dated march 8 2005 ex991 logo pricewaterhousecoopers llp 214 n tryon street ste 3600 charlotte nc 28202 telephone 704 344 7500 facsimile 704 344 4100 report independent accountants board directors shareholder bank america na examined managements assertion concerning mortgage division bank america nas company operating division bank america na compliance minimum servicing standards identified mortgage bankers association americas uniform single attestation program mortgage bankers usap year ended december 31 2004 included accompanying management assertion see exhibit 1 management responsible companys compliance minimum servicing standards responsibility express opinion managements assertion companys compliance based examination made accordance standards established american institute certified public accountants accordingly included examining test basis evidence companys compliance minimum servicing standards performing procedures considered necessary circumstances believe examination provides reasonable basis opinion examination provide legal determination companys compliance minimum servicing standards opinion managements assertion company complied aforementioned minimum servicing standards year ended december 31 2004 fairly stated material respects pricewaterhousecoopers llp march 11 2005 exhibit 1 bank america logo bank america 475 crosspoint parkway po box 9000 getzville ny 140689000 managements assertion concerning compliance usap minimum servicing standards march 11 2005 year ended december 31 2004 bank america na company complied material respects minimum servicing standards set forth mortgage bankers association americas uniform single attestation program mortgage bankers usap period company effect fidelity bond errors omissions policy amounts 325000000 180000000 respectively floyd robinson floyd robinson senior vice president consumer real estate bank america na h randall chestnut h randall chestnut senior vice president bank america na mike kula mike kula senior vice president finance executive bank america na robert caruso robert caruso senior vice president national servicing executive bank america na j mark hanson j mark hanson senior vice president bank america na ex992 bank america mortgage securities inc mortgage passthrough certificates series set forth exhibit hereto officers certificate pursuant section 318 agreements listed exhibit hereto h randall chestnut senior vice president bank america na servicer hereby certify pursuant section 318 pooling servicing agreements listed exhibit hereto collectively agreements review activities servicer calendar year 2004 performance servicer agreements made supervision b best knowledge based review servicer fulfilled obligations agreements throughout calendar year 2004 dated march 12 2005 bank america na servicer h randall chestnut name h randall chestnut title senior vice president exhibit parties date pooling series agreement bank america mortgage securities march 29 2001 20014 inc bank america na wells fargo bank na bank america mortgage securities november 27 2001 2001g inc bank america na bank new york bank america mortgage securities november 27 2001 200111 inc bank america na bank new york bank america mortgage securities december 20 2001 2001h inc bank america na bank new york bank america mortgage securities december 20 2001 200112 inc bank america na bank new york bank america mortgage securities january 24 2002 2002a inc bank america na bank new york bank america mortgage securities january 24 2002 20021 inc bank america na bank new york bank america mortgage securities february 21 2002 2002b inc bank america na bank new york bank america mortgage securities february 21 2002 20022 inc bank america na bank new york bank america mortgage securities march 26 2002 20023 inc bank america na bank new york bank america mortgage securities april 25 2002 20024 inc bank america na bank new york bank america mortgage securities april 25 2002 2002c inc bank america na bank new york bank america mortgage securities april 26 2002 20025 inc bank america na bank new york bank america mortgage securities may 23 2002 2002d inc bank america na bank new york bank america mortgage securities may 23 2002 2002e inc bank america na bank new york bank america mortgage securities june 26 2002 2002f inc bank america na bank new york bank america mortgage securities june 25 2002 20026 inc bank america na amended amendment bank new york 1 dated july 12 bank america mortgage securities june 26 2002 2002g inc bank america na bank new york bank america mortgage securities july 25 2002 20027 inc bank america na bank new york bank america mortgage securities july 25 2002 2002h inc bank america na bank new york bank america mortgage securities august 27 2002 2002i inc bank america na bank new york bank america mortgage securities september 26 2002 2002j inc bank america na bank new york bank america mortgage securities september 27 2002 2002k inc bank america na bank new york bank america mortgage securities august 27 2002 20028 inc bank america na bank new york bank america mortgage securities september 26 2002 20029 inc bank america na bank new york bank america mortgage securities october 24 2002 200210 inc bank america na amended amendment bank new york 1 dated january 30