-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, ROZSvtYnGF2PG8PimHTwBwYeEuZRIMMFPvrDKD9jAnL4XX7KKzUwajd7KaDVD84w OUfwskO2m4QJyQ03Y8+mRg== 0000950144-04-004215.txt : 20040422 0000950144-04-004215.hdr.sgml : 20040422 20040422104950 ACCESSION NUMBER: 0000950144-04-004215 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 8 CONFORMED PERIOD OF REPORT: 20040226 ITEM INFORMATION: Other events ITEM INFORMATION: Financial statements and exhibits FILED AS OF DATE: 20040422 FILER: COMPANY DATA: COMPANY CONFORMED NAME: STRUCTURED ASSET SECS CORP MORT PASS-THRU CERT SERS 2004-2AC CENTRAL INDEX KEY: 0001277607 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 333-92140-38 FILM NUMBER: 04747173 BUSINESS ADDRESS: STREET 1: 3 WORLD FINANCIAL CENTER CITY: NEW YORK STATE: NY ZIP: 10285 8-K 1 g88640e8vk.htm STRUCTURED ASSETS SECURITIES CORP SERIES 2004-2AC Structured Assets Securities Corp Series 2004-2AC
 

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15 (d) OF THE
SECURITIES EXCHANGE ACT OF 1934

Date of Report (date of earliest event report   February 26,2004

Wachovia Bank, N.A. as Trustee under a Pooling and Servicing Agreement
dated as of January 1, 2004 providing for the issuance of
Structured Assets Securities Corporation Mortgage Pass-Through Certificates Series 2004-2AC
listed on Schedule A attached hereto.
(Exact name of registrant as specified in its charter)

         
*   333-106925   *
State or other jurisdiction   (Commission   (IRS Employer
of incorporation)   File Number)   ID Number)

c/o WACHOVIA BANK, NA, 401 South Tryon Street – NC1179 Charlotte, NC 28288

(Address of principal executive officer)
     
Registrant’s Telephone Number, including area code:   (704) 383-6068
    (212) 273-7036

(Former name or former address, if changed since last report)

* See Schedule A

 

 

Item 5      Other Events

Attached herein as Exhibit 20.1 hereto is a copy of the Monthly Statements sent to Certificate holders with respect to the March 25, 2004 Remittance Date.

Item 7      Financial Statements and Exhibits

     
Item 601 (a)    
of Regulation S-K    
Exhibit Number    
   
     
20.1   Monthly Statements to Certificate holders with respect to the March 25, 2004 Remittance Date.

 

 

SIGNATURES

Pursuant to the requirements 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.

     
WACHOVIA BANK, NA    
     
By: \s\ Patricia O’Neill-Manella    
Name: Patricia O’Neill-Manella    
Title: Vice President   Dated: April 8, 2004

 

 

Exhibit Index

     
20.1   Monthly Statements sent to Certificate holders with respect to the March 25, 2004 Remittance Date.

 

 

Schedule A

         
    State of   IRS Employer
Registrant   Incorporation   ID Number
 
 
         
SASCO   DE   74-2440858

  EX-20.1 3 g88640exv20w1.htm EX-20.1 MONTHLY STATEMENTS Ex-20.1 Monthly Statements

 

     
(WACHOVIA LOGO)
Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
$ 704,969,100		  

Contents

Statement Summary

     
    Page
1 Contents
   1
2 Distribution Summary
   2
3 Bond Interest Information
   3 - 4
4 Collection Account Activity
   5
5 Collateral Information
   6 - 7
6 Delinquency Information
   8 - 9
7 Loss / Prepayment Calculations
   10 - 13
8 Miscellaneous Reporting
   14

Deal Information

                     
Seller:
   Lehman Brothers Holding, Inc.   Closing Date:     1/26/2004  
 
       First Payment Date:     2/25/2004  
Depositor:
   Structured Asset Securities Corporation   Collateral Collection Period:   February 2004  
                     
Servicer:
   Aurora Loan Services, Inc.   Distribution Date:     3/25/2004  
 
       Last Distribution Date:     2/25/2004  
Trustee:
   Wachovia Bank, N.A.   Next Distribution Date:     4/26/2004  
     
Wachovia Bank, National Association
    
Structured Finance Trust Services
  Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
  Vice President
Charlotte, North Carolina 28288-1179
  Phone: 212-273-7036
www.firstlinkabs.com
  Trish.ONeill-Manella@Wachovia.com

 

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04
                                                                 
            Original   Beginning                   Current           Ending
        Certificate   Certificate   Certificate                   Realized   Total   Certificate
Class
   Cusip
   Rate
   Balance
   Balance
   Interest
   Principal
   Loss
   Distribution
   Balance
A1
   86359BFN6   5.062848%     570,000,000.00       564,504,628.53       2,381,667.80       6,929,472.08       0.00       9,311,139.88       557,575,156.45  
Factors per Thousand
                     990.35899742       4.17836456       12.15696856               16.33533312       978.20202886  
A2
   86359BFP1   4.727000%     106,101,000.00       105,078,079.98       413,920.07       1,289,866.52       0.00       1,703,786.59       103,788,213.46  
Factors per Thousand
                     990.35899737       3.90118915       12.15696855               16.05815770       978.20202882  
AX*
   86359BFQ9   4.500000%     7,988,733.14       7,842,290.07       29,408.59       0.00       0.00       29,408.59       7,740,242.52  
Factors per Thousand
                                                                
B1
   86359BFR7   5.062848%     18,889,000.00       18,881,208.71       79,660.58       7,805.11       0.00       87,465.69       18,873,403.60  
Factors per Thousand
                     999.58752237       4.21730002       0.41320928               4.63050929       999.17431309  
B2
   86359BFS5   5.062848%     6,415,000.00       6,412,353.95       27,053.98       2,650.74       0.00       29,704.72       6,409,703.21  
Factors per Thousand
                     999.58752143       4.21730008       0.41320966               4.63050974       999.17431177  
B3
   86359BFT3   5.062848%     3,564,000.00       3,562,529.93       15,030.46       1,472.68       0.00       16,503.14       3,561,057.25  
Factors per Thousand
                     999.58752245       4.21730079       0.41320988               4.63051066       999.17431257  
R
   86359BFU0   5.062848%     100.00       0.00       0.00       0.00       0.00       0.00       0.00  
Factors per Thousand
                     0.00000000               0.00000000                       0.00000000  
 
            
 		      
 		      
 		      
 		      
 		      
 		      
 		  
Totals
             704,969,100.00       698,438,801.10       2,946,741.48       8,231,267.13       0.00       11,178,008.61       690,207,533.97  
 
            
 		      
 		      
 		      
 		      
 		      
 		      
 		  
Non Offered Certificates
                                                                
B4
   n/a   5.062848%     3,564,000.00       3,562,529.93       15,030.46       1,472.68       0.00       16,503.14       3,561,057.25  
Factors per Thousand
                     999.58752245       4.21730079       0.41320988               4.63051066       999.17431257  
B5
   n/a   5.062848%     2,494,000.00       2,492,971.28       10,517.95       1,030.54       0.00       11,548.49       2,491,940.74  
Factors per Thousand
                     999.58752205       4.21730152       0.41320770               4.63050922       999.17431435  
B6
   n/a   5.062848%     1,784,510.00       1,783,773.93       7,525.81       737.38       0.00       8,263.19       1,783,036.55  
Factors per Thousand
                     999.58752263       4.21729775       0.41321147               4.63050922       999.17431116  
P
   n/a   n/a     0.00       0.00       17,802.76       0.00       0.00       17,802.76       0.00  
Factors per Thousand
                                                                
* Notional Amount
                                                                
 
            
 		      
 		      
 		      
 		      
 		      
 		      
 		  
Totals
             7,842,510.00       7,839,275.14       50,876.98       3,240.60       0.00       54,117.58       7,836,034.54  
 
            
 		      
 		      
 		      
 		      
 		      
 		      
 		  
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 2 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Bond Interest Information

                             
        Type of   Accrual   Type of   Moody’s   S&P   Fitch
Class
   Cusip
   Interest Rate
   Period
   Certificate
   Original Rating*
   Original Rating*
   Original Rating*
A1
   86359BFN6   Variable   30/360   Senior   Aaa   AAA   n/a
A2
   86359BFP1   Variable   30/360   Senior   Aaa   AAA   n/a
AX
   86359BFQ9   Interest Only   30/360   Senior   Aaa   AAA   n/a
B1
   86359BFR7   Variable   30/360   Subordinate   n/a   AA   n/a
B2
   86359BFS5   Variable   30/360   Subordinate   n/a   A   n/a
B3
   86359BFT3   Variable   30/360   Subordinate   n/a   BBB   n/a
B4
   n/a   Variable   30/360   Subordinate   n/a   n/a   n/a
B5
   n/a   Variable   30/360   Subordinate   n/a   n/a   n/a
B6
   n/a   Variable   30/360   Subordinate   n/a   n/a   n/a
P
   n/a   Prepayment Penalties   —   —   n/a   n/a   n/a
R
   n/a   —   —   Residual   Aaa   AAA   n/a

* Original Ratings of the Offered Certificates per the Prospectus Supplement dated January 23, 2004

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 3 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Bond Interest Information

                     
    Current   Current   Current   Outstanding   Cumulative
Class
   Interest Due
   Interest Shortfall
   Shortfall Paid
   Shortfall to be Paid
   Interest Shortfall
A1
   0.00   0.00   0.00   0.00   0.00
A2
   0.00   0.00   0.00   0.00   0.00
AX
   0.00   0.00   0.00   0.00   0.00
B1
   0.00   0.00   0.00   0.00   0.00
B2
   0.00   0.00   0.00   0.00   0.00
B3
   0.00   0.00   0.00   0.00   0.00
B4
   0.00   0.00   0.00   0.00   0.00
B5
   0.00   0.00   0.00   0.00   0.00
B6
   0.00   0.00   0.00   0.00   0.00
P
   —   —   —   —   —
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 4 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Collection Activity

         
Interest
        
Gross Scheduled Interest
     3,129,605.98  
Advances
     0.00  
(Prepayment Interest Shortfall)
     0.00  
(Relief Act Shortfall)
     0.00  
Prepayment Penalties
     17,802.76  
 
    
 		  
Total Interest Collected
     3,147,408.74  
Principal
        
Scheduled Principal
     291,961.16  
Curtailments
     536,231.62  
Curtailment Adjustments
     0.00  
Liquidations
     7,407,648.96  
Repurchases/Substitutions
     0.00  
(Principal Realized Losses)
     0.00  
Adjustments (+/-)
     (1,334.01 )
 
    
 		  
Total Principal Collected
     8,234,507.73  
Additional Funds
        
Recoveries
     0.00  
 
    
 		  
Total Additional Funds Collected
     0.00  
Total Available Collections
     11,381,916.47  
 
    
 		  
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 5 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Collateral Information

         
Periodic Information
        
Beginning Collateral Balance
     706,278,076.96  
Ending Collateral Balance
     698,043,569.23  
Beginning Number of Loans
     3,438  
Ending Number of Loans
     3,405  
Number of Loans Paying Off
     33  
Current Realized Losses
     0.00  
Cumulative Realized Losses
     0.00  
WAC
     5.317 %
WAM
     357  
WAS
     3  
Original Information
        
Collateral Balance
     712,811,610.72  
Number of Loans
     3,464  
WAC
     5.320 %
WAM
     359  
WAS
     1  
Required Subordinated Amount
     n/a  
Beginning Subordination Amount
     7,839,275.86  
Ending Subordination Amount
     7,836,035.26  
Subordination Increase
     0.00  
Subordination Decrease
     3,240.60  
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 6 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

(COLLATERAL GRAPHS)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 7 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Delinquency Information

                         
Delinquent:
   #
   $
   %
Less than 1 Month
     3,352       687,613,108.93       98.506 %
1 Month
     53       10,430,460.30       1.494 %
2 Month
     0       0.00       0.000 %
3 Month
     0       0.00       0.000 %
4 Month
     0       0.00       0.000 %
 
    
     
     
 
Total
     3,405       698,043,569.23       100.000 %
                         
Bankruptcy:
   #
   $
   %
Less than 1 Month
     0       0.00       0.000 %
1 Month
     0       0.00       0.000 %
2 Month
     0       0.00       0.000 %
3 Month
     0       0.00       0.000 %
4 Month
     0       0.00       0.000 %
 
    
     
     
 
Total
     0       0.00       0.000 %
                         
Foreclosure:
   #
   $
   %
Less than 1 Month
     0       0.00       0.000 %
1 Month
     0       0.00       0.000 %
2 Month
     0       0.00       0.000 %
3 Month
     0       0.00       0.000 %
4 Month
     0       0.00       0.000 %
 
    
     
     
 
Total
     0       0.00       0.000 %
                         
REO:
   #
   $
   %
 
     0       0.00       0.000 %
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 8 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

(DELINQUENCY GRAPHS)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 9 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Prepayment and Loss Calculations

Loss

                 
    Mar-04
   Feb-04
MDR
     1.05 %     0.85 %
CDR
     11.89 %     9.78 %
SDA
     0.05 %     0.02 %

Prepayment

                 
    Mar-04
   Feb-04
SMM
     1.13 %     0.88 %
CPR
     0.13 %     0.10 %
PSA
     0.05 %     0.02 %

MDR (Monthly Default Rate) = (Beg Principal Balance of Liquidated Loans)/(Total Beg Principal Balance)
CDR (Conditional Default Rate) = 1-((1-MDR)^12)
SDA (Standard Default Assumption) = CDR*min(.2%*period, 6%)

SMM (Single Monthly Mortality) = (Prepayments + Repurchases)/(Beginning Collateral Balance - Scheduled Principal)
CPR (Conditional Prepayment Rate) = 1-((1-SMM)^12)
PSA (Public Securities Association) = CPR*min(.2%*period, 6%)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 10 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

(PREPAYMENT AND LOSS GRAPHS)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 11 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

(PREPAYMENT AND LOSS GRAPHS)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 12 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

(PREPAYMENT AND LOSS GRAPHS)

         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 13 -

 

         
(WACHOVIA LOGO)
  Structured Asset Securities Corporation
Mortgage Pass-Through Certificates, Series 2004-2AC
Statement to Certificateholder 		  Distribution Date: 03/25/04

Miscellaneous Reporting Items

Fees

         
Servicing Fee
     147,141.72  
Master Servicing Fee
     0.00  
Trustee Fee
     2,648.56  
 
    
 		  
Total Fees
     149,790.28  

Additional Information

         
Aggregate Bankruptcy Loss
     0.00  
Aggregate Fraud Loss
     0.00  
Aggregate Special Hazard Loss
     0.00  
Current Bankruptcy Loss
     0.00  
Current Fraud Loss
     0.00  
Current Special Hazard Loss
     0.00  
Deleted Mortgage Loans
     0.00  
Excess Loss
     0.00  
Net Prepayment Interest Shortfalls
     0.00  
Qualifying Substitute Mortgage Loans
     0.00  
         
Wachovia Bank, National Association
        
Structured Finance Trust Services
      Trish O’Neill-Manella
401 South Tryon Street, 12th Floor
      Vice President
Charlotte, North Carolina 28288-1179
      Phone: 212-273-7036
www.firstlinkabs.com
      Trish.ONeill-Manella@Wachovia.com

- Page 14 -

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