Item 1. Business.
Not applicable.
Item 1A.
Item 1A. Risk Factors.
Not applicable.
Item 1B.
Item 1B. Unresolved Staff Comments.
Not applicable.
Item 2.
Item 2. Properties.
Not applicable.
Item 3.
Item 3. Legal Proceedings.
The registrant knows of no material pending legal proceedings involving the trust created under the Pooling and Servicing Agreement (the Trust), the Trustee, the Servicer or the registrant with respect to the Trust other than routine litigation incidental to the duties of the respective parties.
Item 4.
Item 4. Submission of Matters to a Vote of Security Holders.
None.
PART II
Item 5.
Item 5. Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.
No established public trading market for the Certificates exists.
Records provided to the Trust by the DTC and the Trustee indicate that as of December 31, 2005, the total number of holders of record for the Series of Certificates is 25.
Item 6.
Item 6. Selected Financial Data.
Not applicable.
Item 7.
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operation.
Not applicable.
Item 7A.
Item 7A. Quantitative and Qualitative Disclosures about Market Risk.
Not applicable.
Item 8.
Item 8. Financial Statements and Supplementary Data.
Omitted.
Item 9.
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure.
None.
Item 9A.
Item 9A. Controls and Procedures. Not applicable.
Item 9B.
Item 9B. Other Information.
None.
PART III
Item 10.
Item 10. Directors and Executive Officers of the Registrant.
Not applicable.
Item 11.
Item 11. Executive Compensation.
Not applicable.
Item 12.
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.
Not applicable.
Item 13.
Item 13. Certain Relationships and Related Transactions.
Not applicable.
Item 14.
Item 14. Principal Accounting Fees and Services.
Not applicable.
PART IV
Item 15.
Item 15. Exhibits, Financial Statement Schedules.
(a) The following is a list of documents field as part of this Annual Report on Form 10-K:
(4.1) Pooling and Servicing Agreement (filed as an exhibit to Form 8-K on July 19, 2005).
(31.1) Rule 13a-14(a)/15d-14(a) Certification
(99.1) Annual Independent Accountants' Servicing Report concerning servicing activities for the year ended December 31, 2005.
(99.2) Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2005.
(99.3) Annual Statement of Compliance under the Pooling and Servicing Agreement for the year ended December 31, 2005.
(99.4) Schedule of Year-to-Date Principal and Interest Distributions to Certificateholders.
Not Applicable.
(b) The exhibits required to be filed by Registrant pursuant to Item 601 of Regulation S-K are listed above and in the Exhibit Index that immediately follows the signature page hereof.
(c) Not Applicable.
Filed herewith.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized:
Banc of America Alternative Loan Trust 2005-4 Mortgage Pass-Through Certificates Series 2005-4 (Registrant)
Signed: Bank of America, National Association, as Servicer
By: Robert Caruso, Senior Vice President
By: /s/ Robert Caruso, Senior Vice President
Dated: March 29, 2006
Exhibit Index
Exhibit No.
(4.1) Pooling and Servicing Agreement (filed as an exhibit to Form 8-K on July 19, 2005).
(31.1) Rule 13a-14(a)/15d-14(a) Certification
(99.1) Annual Independent Accountants' Servicing Report concerning servicing activities for the year ended December 31, 2005.
(99.2) Report of Management as to Compliance with Minimum Servicing Standards for the year ended December 31, 2005.
(99.3) Annual Statement of Compliance under the Pooling and Servicing Agreement for the year ended December 31, 2005.
(99.4) Schedule of Year-to-Date Principal and Interest Distributions to Certificateholders.
Ex-31.1 Rule 13a-14(a)/15d-14(a) Certification
Certification
I, Robert Caruso, a Senior Vice President of Bank of America, N.A. (the "Servicer"), certify that:
1. I have reviewed this annual report on Form 10-K, and all monthly current reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report of the Banc of America Alternative Loan Trust 2005-4 formed pursuant to the Pooling and Servicing Agreement, dated April 28, 2005, among Banc of America Mortgage Securities, Inc., Bank of America, National Association and Wells Fargo Bank, N.A. (the Agreement);
2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;
3. Based on my knowledge, the distribution or servicing information required to be provided to the trustee by the servicer under the Agreement, for inclusion in these reports is included in these reports;
4. I am responsible for reviewing the activities performed by the Servicer under the Agreement and based upon my knowledge and the annual compliance review required under the Agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under the Agreement;
5. The reports disclose all significant deficiencies relating to the servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure as set forth in the Agreement, that is included in these reports; and
In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated party: Wells Fargo Bank, N.A.
Date: March 10, 2006
/s/ Robert Caruso Signature
Senior Vice President Title
EX-99.1 (logo) PRICEWATERHOUSECOOPERS
PricewaterhouseCoopers LLP 214 N. Tryon Street Ste 3600 Charlotte NC 28202 Telephone (704) 344 7500 Facsimile (704) 344 4100
Report of Independent Registered Public Accounting Firm
To the Board of Directors and Shareholder of Bank of America, N.A.:
We have examined management's assertion concerning the mortgage division of Bank of America, N.A.'s (the "Company"), compliance with the minimum servicing standards identified in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP") as of and for the year ended December 31, 2005 included in the accompanying Management's Assertion Concerning Compliance with USAP Minimum Servicing Standards (see Exhibit 1). Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.
Our examination was made in accordance with standards established by the American Institute of Certified Public Accountants and, accordingly included examining on a test basis evidence about the Company's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.
In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2005 is fairly stated, in all material respects.
/s/ PricewaterhouseCoopers LLP
March 17, 2006
(page)
Exhibit 1
(logo) Bank of America
Management's Assertion Concerning Compliance with USAP Minimum Servicing Standards
March 17, 2006
As of and for the year ended December 31, 2005, Bank of America, N.A. (the "Company"), has complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").
As of and for this same period, the Company had in effect a fidelity bond and errors and omissions policy in the amounts of $270,000,000 and $110,000,000, respectively.
/s/ Floyd. S. Robinson Floyd S. Robinson Senior Vice President President Consumer Real Estate Bank of America, N.A.
/s/ H. Randall Chestnut H. Randall Chestnut Senior Vice President Bank of America, N.A.
/s/ Mike Kula Mike Kula Senior Vice President Finance Executive Bank of America, N.A.
/s/ Robert Caruso Robert Caruso Senior Vice President National Servicing Executive Bank of America, N.A.
/s/ J. Mark Hanson J. Mark Hanson Senior Vice President Bank of America, N.A.
(logo) USA 2000-2004 US Olymipic Teams
EX-99.2 Exhibit 1
(logo) Bank of America
Management's Assertion Concerning Compliance with USAP Minimum Servicing Standards
March 17, 2006
As of and for the year ended December 31, 2005, Bank of America, N.A. (the "Company"), has complied in all material respects with the minimum servicing standards set forth in the Mortgage Bankers Association of America's Uniform Single Attestation Program for Mortgage Bankers ("USAP").
As of and for this same period, the Company had in effect a fidelity bond and errors and omissions policy in the amounts of $270,000,000 and $110,000,000, respectively.
/s/ Floyd. S. Robinson Floyd S. Robinson Senior Vice President President Consumer Real Estate Bank of America, N.A.
/s/ H. Randall Chestnut H. Randall Chestnut Senior Vice President Bank of America, N.A.
/s/ Mike Kula Mike Kula Senior Vice President Finance Executive Bank of America, N.A.
/s/ Robert Caruso Robert Caruso Senior Vice President National Servicing Executive Bank of America, N.A.
/s/ J. Mark Hanson J. Mark Hanson Senior Vice President Bank of America, N.A.
(logo) USA 2000-2004 US Olymipic Teams
EX-99.3 (logo) Bank of America
Bank of America 475 CrossPoint Parkway PO Box 9000 Getzville, NY 14068-9000
OFFICER'S CERTIFICATE PURSUANT TO SECTION 3.18 BOALT 2005-4
I, H. Randall Chestnut, Senior Vice President of Bank of America, N.A. (the "Servicer"), hereby certify of the Banc of America Alternative Loan Trust 2005-4 formed pursuant to Section 3.18 of the Pooling and Servicing Agreements dated April 28, 2005, among Banc of America Mortgage Securities, Inc., as depositor (together with its permitted successors and assigns, the "Depositor"), Bank of America, N.A., as servicer ( together with its permitted successors and assigns, the "Servicer"), and Wells Fargo Bank, N.A., as trustee (together with its permitted successors and assigns, the "Trustee"), that: (a) a review of the activities of the Servicer during calendar year 2005 and the performance of the Servicer under this Agreement have been made under my supervision, and (b) to the best of my knowledge, based on such review, the Servicer has fulfilled all it's obligations under the Agreements throughout calendar year 2005.
Dated March 10, 2006
Bank of America, N.A. as Servicer
By:/s/ H. Randall Chestnut Name: H. Randall Chestnut Title: senior Vice President
Ex-99.4
Schedule of Year-To-Date Principal and Interest Distributions to Certificateholders