-----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, CC/2GItT/IkDN4xb7K33nlYoK9eAEPyzXjAcxYn9ssg2m9Ca2X2oxZQDoCXrDifX 8RdwsqoLme+8hMmGUNjiMQ== 0001056404-05-000079.txt : 20050104 0001056404-05-000079.hdr.sgml : 20050104 20050104070702 ACCESSION NUMBER: 0001056404-05-000079 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 20041227 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20050104 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-10 CENTRAL INDEX KEY: 0001307079 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: 333-118843-02 FILM NUMBER: 05503881 BUSINESS ADDRESS: STREET 1: 201 NORTH TRYON ST CITY: CHARLOTTE STATE: NC ZIP: 28255 BUSINESS PHONE: 7043884503 MAIL ADDRESS: STREET 1: 201 NORTH TRYON STREET CITY: CHARLOTTE STATE: NC ZIP: 3884503 8-K 1 baa04010_dec.txt DECEMBER 8K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 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 reported): December 27, 2004 BANC OF AMERICA ALTERNATIVE LOAN TRUST Mortgage Pass-Through Certificates, Series 2004-10 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-118843-02 54-2162551 Pooling and Servicing Agreement) (Commission 54-2162552 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On December 27, 2004 a distribution was made to holders of BANC OF AMERICA ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2004-10 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-10 Trust, relating to the December 27, 2004 distribution. 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 hereunto duly authorized. BANC OF AMERICA ALTERNATIVE LOAN TRUST Mortgage Pass-Through Certificates, Series 2004-10 Trust (Registrant) By: Wells Fargo Bank, N.A. as Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/28/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-10 Trust, relating to the December 27, 2004 distribution. EX-99.1
Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Record Date: 11/30/2004 Distribution Date: 12/27/2004 Banc of America Alternative Loan Trust Mortgage Pass-Through Certificates Series 2004-10 Contact: Customer Service - SecuritiesLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 846-8130 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-CB-1 05948KVS5 SEN 6.00000% 114,646,069.47 573,230.35 1,109,626.06 1-CB-R 05948KVT3 SEN 6.00000% 0.00 0.03 0.00 1-CB-LR 05948KVU0 SEN 6.00000% 0.00 0.00 0.00 2-CB-1 05948KVV8 SEN 6.00000% 97,109,930.38 485,549.65 466,871.63 CB-IO 05948KVW6 SEN 6.00000% 0.00 23,547.05 0.00 3-A-1 05948KVX4 SEN 5.50000% 52,769,213.10 241,858.89 450,700.44 15-IO 05948KVY2 SEN 5.50000% 0.00 4,404.73 0.00 X-PO 05948KVZ9 PO 0.00000% 2,724,859.11 0.00 9,175.57 15-PO 05948KWA3 PO 0.00000% 890,140.09 0.00 3,586.50 15-B-1 05948KWG0 SUB 5.00000% 1,161,885.13 4,841.19 4,139.96 15-B-2 05948KWH8 SUB 5.00000% 111,604.75 465.02 397.66 15-B-3 05948KWJ4 SUB 5.00000% 165,414.18 689.23 589.39 15-B-4 05948KWN5 SUB 5.50000% 83,703.56 383.64 298.25 15-B-5 05948KWP0 SUB 5.50000% 82,707.09 379.07 294.70 15-B-6 05948KWQ8 SUB 5.50000% 55,874.12 256.09 199.09 30-B-1 05948KWD7 SUB 5.50000% 4,890,376.81 22,414.23 4,673.69 30-B-2 05948KWE5 SUB 5.50000% 1,934,171.50 8,864.95 1,848.47 30-B-3 05948KWF2 SUB 5.50000% 1,136,925.19 5,210.91 1,086.55 30-B-4 05948KWK1 SUB 6.00000% 1,024,031.92 5,120.16 978.66 30-B-5 05948KWL9 SUB 6.00000% 682,354.93 3,411.77 652.12 30-B-6 05948KWM7 SUB 6.00000% 910,148.58 4,550.74 869.82 X-B-15 05948KWC9 SUB 0.50000% 0.00 599.58 0.00 X-B-30 05948KWB1 SUB 0.50000% 0.00 3,317.28 0.00 Totals 280,379,409.91 1,389,094.56 2,055,988.56
Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-CB-1 0.00 113,536,443.40 1,682,856.41 0.00 1-CB-R 0.00 0.00 0.03 0.00 1-CB-LR 0.00 0.00 0.00 0.00 2-CB-1 0.00 96,643,058.75 952,421.28 0.00 CB-IO 0.00 0.00 23,547.05 0.00 3-A-1 0.00 52,318,512.66 692,559.33 0.00 15-IO 0.00 0.00 4,404.73 0.00 X-PO 0.00 2,715,683.54 9,175.57 0.00 15-PO 0.00 886,553.60 3,586.50 0.00 15-B-1 0.00 1,157,745.17 8,981.15 0.00 15-B-2 0.00 111,207.08 862.68 0.00 15-B-3 0.00 164,824.78 1,278.62 0.00 15-B-4 0.00 83,405.31 681.89 0.00 15-B-5 0.00 82,412.39 673.77 0.00 15-B-6 0.00 55,675.03 455.18 0.00 30-B-1 0.00 4,885,703.12 27,087.92 0.00 30-B-2 0.00 1,932,323.03 10,713.42 0.00 30-B-3 0.00 1,135,838.64 6,297.46 0.00 30-B-4 0.00 1,023,053.26 6,098.82 0.00 30-B-5 0.00 681,702.81 4,063.89 0.00 30-B-6 0.00 909,278.76 5,420.56 0.00 X-B-15 0.00 0.00 599.58 0.00 X-B-30 0.00 0.00 3,317.28 0.00 Totals 0.00 278,323,421.33 3,445,083.12 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.
Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-CB-1 115,717,000.00 114,646,069.47 109,405.34 1,000,220.72 0.00 0.00 1-CB-R 50.00 0.00 0.00 0.00 0.00 0.00 1-CB-LR 50.00 0.00 0.00 0.00 0.00 0.00 2-CB-1 98,634,000.00 97,109,930.38 92,967.33 373,904.30 0.00 0.00 CB-IO 0.00 0.00 0.00 0.00 0.00 0.00 3-A-1 52,986,000.00 52,769,213.10 188,024.27 262,676.17 0.00 0.00 15-IO 0.00 0.00 0.00 0.00 0.00 0.00 X-PO 2,761,992.00 2,724,859.11 2,866.67 6,308.90 0.00 0.00 15-PO 893,571.00 890,140.09 3,274.68 311.82 0.00 0.00 15-B-1 1,166,000.00 1,161,885.13 4,139.96 0.00 0.00 0.00 15-B-2 112,000.00 111,604.75 397.66 0.00 0.00 0.00 15-B-3 166,000.00 165,414.18 589.39 0.00 0.00 0.00 15-B-4 84,000.00 83,703.56 298.25 0.00 0.00 0.00 15-B-5 83,000.00 82,707.09 294.70 0.00 0.00 0.00 15-B-6 56,072.00 55,874.12 199.09 0.00 0.00 0.00 30-B-1 4,895,000.00 4,890,376.81 4,673.69 0.00 0.00 0.00 30-B-2 1,936,000.00 1,934,171.50 1,848.47 0.00 0.00 0.00 30-B-3 1,138,000.00 1,136,925.19 1,086.55 0.00 0.00 0.00 30-B-4 1,025,000.00 1,024,031.92 978.66 0.00 0.00 0.00 30-B-5 683,000.00 682,354.93 652.12 0.00 0.00 0.00 30-B-6 911,009.00 910,148.58 869.82 0.00 0.00 0.00 X-B-15 0.00 0.00 0.00 0.00 0.00 0.00 X-B-30 0.00 0.00 0.00 0.00 0.00 0.00 Totals 283,247,744.00 280,379,409.91 412,566.65 1,643,421.91 0.00 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-CB-1 1,109,626.06 113,536,443.40 0.98115613 1,109,626.06 1-CB-R 0.00 0.00 0.00000000 0.00 1-CB-LR 0.00 0.00 0.00000000 0.00 2-CB-1 466,871.63 96,643,058.75 0.97981486 466,871.63 CB-IO 0.00 0.00 0.00000000 0.00 3-A-1 450,700.44 52,318,512.66 0.98740257 450,700.44 15-IO 0.00 0.00 0.00000000 0.00 X-PO 9,175.57 2,715,683.54 0.98323367 9,175.57 15-PO 3,586.50 886,553.60 0.99214679 3,586.50 15-B-1 4,139.96 1,157,745.17 0.99292039 4,139.96 15-B-2 397.66 111,207.08 0.99292036 397.66 15-B-3 589.39 164,824.78 0.99292036 589.39 15-B-4 298.25 83,405.31 0.99292036 298.25 15-B-5 294.70 82,412.39 0.99292036 294.70 15-B-6 199.09 55,675.03 0.99292035 199.09 30-B-1 4,673.69 4,885,703.12 0.99810074 4,673.69 30-B-2 1,848.47 1,932,323.03 0.99810074 1,848.47 30-B-3 1,086.55 1,135,838.64 0.99810074 1,086.55 30-B-4 978.66 1,023,053.26 0.99810074 978.66 30-B-5 652.12 681,702.81 0.99810075 652.12 30-B-6 869.82 909,278.76 0.99810074 869.82 X-B-15 0.00 0.00 0.00000000 0.00 X-B-30 0.00 0.00 0.00000000 0.00 Totals 2,055,988.56 278,323,421.33 0.98261479 2,055,988.56
Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-CB-1 115,717,000.00 990.74526189 0.94545607 8.64368001 0.00000000 1-CB-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000 1-CB-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 98,634,000.00 984.54823266 0.94254851 3.79082568 0.00000000 CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 52,986,000.00 995.90860039 3.54856509 4.95746367 0.00000000 15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 2,761,992.00 986.55575758 1.03789946 2.28418475 0.00000000 15-PO 893,571.00 996.16045060 3.66471159 0.34895940 0.00000000 15-B-1 1,166,000.00 996.47095197 3.55056604 0.00000000 0.00000000 15-B-2 112,000.00 996.47098214 3.55053571 0.00000000 0.00000000 15-B-3 166,000.00 996.47096386 3.55054217 0.00000000 0.00000000 15-B-4 84,000.00 996.47095238 3.55059524 0.00000000 0.00000000 15-B-5 83,000.00 996.47096386 3.55060241 0.00000000 0.00000000 15-B-6 56,072.00 996.47096590 3.55061350 0.00000000 0.00000000 30-B-1 4,895,000.00 999.05552809 0.95478856 0.00000000 0.00000000 30-B-2 1,936,000.00 999.05552686 0.95478822 0.00000000 0.00000000 30-B-3 1,138,000.00 999.05552724 0.95478910 0.00000000 0.00000000 30-B-4 1,025,000.00 999.05553171 0.95479024 0.00000000 0.00000000 30-B-5 683,000.00 999.05553441 0.95478770 0.00000000 0.00000000 30-B-6 911,009.00 999.05553074 0.95478749 0.00000000 0.00000000 X-B-15 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-B-30 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1,000 denomination.
Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-CB-1 0.00000000 9.58913608 981.15612572 0.98115613 9.58913608 1-CB-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-CB-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 0.00000000 4.73337419 979.81485847 0.97981486 4.73337419 CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 3-A-1 0.00000000 8.50602876 987.40257162 0.98740257 8.50602876 15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 0.00000000 3.32208421 983.23367338 0.98323367 3.32208421 15-PO 0.00000000 4.01367099 992.14679080 0.99214679 4.01367099 15-B-1 0.00000000 3.55056604 992.92038593 0.99292039 3.55056604 15-B-2 0.00000000 3.55053571 992.92035714 0.99292036 3.55053571 15-B-3 0.00000000 3.55054217 992.92036145 0.99292036 3.55054217 15-B-4 0.00000000 3.55059524 992.92035714 0.99292036 3.55059524 15-B-5 0.00000000 3.55060241 992.92036145 0.99292036 3.55060241 15-B-6 0.00000000 3.55061350 992.92035240 0.99292035 3.55061350 30-B-1 0.00000000 0.95478856 998.10073953 0.99810074 0.95478856 30-B-2 0.00000000 0.95478822 998.10073864 0.99810074 0.95478822 30-B-3 0.00000000 0.95478910 998.10073814 0.99810074 0.95478910 30-B-4 0.00000000 0.95479024 998.10074146 0.99810074 0.95479024 30-B-5 0.00000000 0.95478770 998.10074671 0.99810075 0.95478770 30-B-6 0.00000000 0.95478749 998.10074324 0.99810074 0.95478749 X-B-15 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-B-30 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall 1-CB-1 115,717,000.00 6.00000% 114,646,069.47 573,230.35 0.00 0.00 1-CB-R 50.00 6.00000% 0.00 0.00 0.00 0.00 1-CB-LR 50.00 6.00000% 0.00 0.00 0.00 0.00 2-CB-1 98,634,000.00 6.00000% 97,109,930.38 485,549.65 0.00 0.00 CB-IO 0.00 6.00000% 4,712,243.85 23,547.05 0.00 0.00 3-A-1 52,986,000.00 5.50000% 52,769,213.10 241,858.89 0.00 0.00 15-IO 0.00 5.50000% 961,031.59 4,404.73 0.00 0.00 X-PO 2,761,992.00 0.00000% 2,724,859.11 0.00 0.00 0.00 15-PO 893,571.00 0.00000% 890,140.09 0.00 0.00 0.00 15-B-1 1,166,000.00 5.00000% 1,161,885.13 4,841.19 0.00 0.00 15-B-2 112,000.00 5.00000% 111,604.75 465.02 0.00 0.00 15-B-3 166,000.00 5.00000% 165,414.18 689.23 0.00 0.00 15-B-4 84,000.00 5.50000% 83,703.56 383.64 0.00 0.00 15-B-5 83,000.00 5.50000% 82,707.09 379.07 0.00 0.00 15-B-6 56,072.00 5.50000% 55,874.12 256.09 0.00 0.00 30-B-1 4,895,000.00 5.50000% 4,890,376.81 22,414.23 0.00 0.00 30-B-2 1,936,000.00 5.50000% 1,934,171.50 8,864.95 0.00 0.00 30-B-3 1,138,000.00 5.50000% 1,136,925.19 5,210.91 0.00 0.00 30-B-4 1,025,000.00 6.00000% 1,024,031.92 5,120.16 0.00 0.00 30-B-5 683,000.00 6.00000% 682,354.93 3,411.77 0.00 0.00 30-B-6 911,009.00 6.00000% 910,148.58 4,550.74 0.00 0.00 X-B-15 0.00 0.50000% 1,438,904.06 599.54 0.04 0.00 X-B-30 0.00 0.50000% 7,961,473.50 3,317.28 0.00 0.00 Totals 283,247,744.00 1,389,094.49 0.04 0.00
Interest Distribution Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-CB-1 0.00 0.00 573,230.35 0.00 113,536,443.40 1-CB-R 0.00 0.00 0.03 0.00 0.00 1-CB-LR 0.00 0.00 0.00 0.00 0.00 2-CB-1 0.00 0.00 485,549.65 0.00 96,643,058.75 CB-IO 0.00 0.00 23,547.05 0.00 4,669,468.51 3-A-1 0.00 0.00 241,858.89 0.00 52,318,512.66 15-IO 0.00 0.00 4,404.73 0.00 953,142.82 X-PO 0.00 0.00 0.00 0.00 2,715,683.54 15-PO 0.00 0.00 0.00 0.00 886,553.60 15-B-1 0.00 0.00 4,841.19 0.00 1,157,745.17 15-B-2 0.00 0.00 465.02 0.00 111,207.08 15-B-3 0.00 0.00 689.23 0.00 164,824.78 15-B-4 0.00 0.00 383.64 0.00 83,405.31 15-B-5 0.00 0.00 379.07 0.00 82,412.39 15-B-6 0.00 0.00 256.09 0.00 55,675.03 30-B-1 0.00 0.00 22,414.23 0.00 4,885,703.12 30-B-2 0.00 0.00 8,864.95 0.00 1,932,323.03 30-B-3 0.00 0.00 5,210.91 0.00 1,135,838.64 30-B-4 0.00 0.00 5,120.16 0.00 1,023,053.26 30-B-5 0.00 0.00 3,411.77 0.00 681,702.81 30-B-6 0.00 0.00 4,550.74 0.00 909,278.76 X-B-15 0.00 0.00 599.58 0.00 1,433,777.04 X-B-30 0.00 0.00 3,317.28 0.00 7,953,864.80 Totals 0.00 0.00 1,389,094.56 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall 1-CB-1 115,717,000.00 6.00000% 990.74526189 4.95372633 0.00000000 0.00000000 1-CB-R 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000 1-CB-LR 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 98,634,000.00 6.00000% 984.54823266 4.92274114 0.00000000 0.00000000 CB-IO 0.00 6.00000% 983.30017232 4.91354418 0.00000000 0.00000000 3-A-1 52,986,000.00 5.50000% 995.90860039 4.56458102 0.00000000 0.00000000 15-IO 0.00 5.50000% 996.31405980 4.56644139 0.00000000 0.00000000 X-PO 2,761,992.00 0.00000% 986.55575758 0.00000000 0.00000000 0.00000000 15-PO 893,571.00 0.00000% 996.16045060 0.00000000 0.00000000 0.00000000 15-B-1 1,166,000.00 5.00000% 996.47095197 4.15196398 0.00000000 0.00000000 15-B-2 112,000.00 5.00000% 996.47098214 4.15196429 0.00000000 0.00000000 15-B-3 166,000.00 5.00000% 996.47096386 4.15198795 0.00000000 0.00000000 15-B-4 84,000.00 5.50000% 996.47095238 4.56714286 0.00000000 0.00000000 15-B-5 83,000.00 5.50000% 996.47096386 4.56710843 0.00000000 0.00000000 15-B-6 56,072.00 5.50000% 996.47096590 4.56716365 0.00000000 0.00000000 30-B-1 4,895,000.00 5.50000% 999.05552809 4.57900511 0.00000000 0.00000000 30-B-2 1,936,000.00 5.50000% 999.05552686 4.57900310 0.00000000 0.00000000 30-B-3 1,138,000.00 5.50000% 999.05552724 4.57900703 0.00000000 0.00000000 30-B-4 1,025,000.00 6.00000% 999.05553171 4.99527805 0.00000000 0.00000000 30-B-5 683,000.00 6.00000% 999.05553441 4.99527086 0.00000000 0.00000000 30-B-6 911,009.00 6.00000% 999.05553074 4.99527447 0.00000000 0.00000000 X-B-15 0.00 0.50000% 996.47095568 0.41519391 0.00002770 0.00000000 X-B-30 0.00 0.50000% 999.05552767 0.41627306 0.00000000 0.00000000 (5) All classes are per $1,000 denomination.
Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-CB-1 0.00000000 0.00000000 4.95372633 0.00000000 981.15612572 1-CB-R 0.00000000 0.00000000 0.60000000 0.00000000 0.00000000 1-CB-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 2-CB-1 0.00000000 0.00000000 4.92274114 0.00000000 979.81485847 CB-IO 0.00000000 0.00000000 4.91354418 0.00000000 974.37427618 3-A-1 0.00000000 0.00000000 4.56458102 0.00000000 987.40257162 15-IO 0.00000000 0.00000000 4.56644139 0.00000000 988.13566843 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 983.23367338 15-PO 0.00000000 0.00000000 0.00000000 0.00000000 992.14679080 15-B-1 0.00000000 0.00000000 4.15196398 0.00000000 992.92038593 15-B-2 0.00000000 0.00000000 4.15196429 0.00000000 992.92035714 15-B-3 0.00000000 0.00000000 4.15198795 0.00000000 992.92036145 15-B-4 0.00000000 0.00000000 4.56714286 0.00000000 992.92035714 15-B-5 0.00000000 0.00000000 4.56710843 0.00000000 992.92036145 15-B-6 0.00000000 0.00000000 4.56716365 0.00000000 992.92035240 30-B-1 0.00000000 0.00000000 4.57900511 0.00000000 998.10073953 30-B-2 0.00000000 0.00000000 4.57900310 0.00000000 998.10073864 30-B-3 0.00000000 0.00000000 4.57900703 0.00000000 998.10073814 30-B-4 0.00000000 0.00000000 4.99527805 0.00000000 998.10074146 30-B-5 0.00000000 0.00000000 4.99527086 0.00000000 998.10074671 30-B-6 0.00000000 0.00000000 4.99527447 0.00000000 998.10074324 X-B-15 0.00000000 0.00000000 0.41522161 0.00000000 992.92038781 X-B-30 0.00000000 0.00000000 0.41627306 0.00000000 998.10074037 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.
Certificateholder Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage 1-IO 6.00000% 2,527,044.69 2,494,403.74 0.00 0.00 97.38864743% 2-IO 6.00000% 2,185,199.16 2,175,064.77 0.00 0.00 97.49342981% X-PO-1 0.00000% 0.00 0.00 1,624,551.27 1,617,249.76 98.07963176% X-PO-2 0.00000% 0.00 0.00 1,080,384.63 1,078,590.85 98.67473655% X-PO-3 0.00000% 0.00 0.00 19,923.21 19,842.94 99.21470000%
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 3,506,712.58 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 3,506,712.58 Withdrawals Reimbursement for Servicer Advances 763.76 Payment of Service Fee 60,865.70 Payment of Interest and Principal 3,445,083.12 Total Withdrawals (Pool Distribution Amount) 3,506,712.58 Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES Gross Servicing Fee 58,412.37 Trustee Fee: Wells Fargo Bank, N.A. 2,453.33 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 60,865.70
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 15 0 0 0 15 1,962,902.65 0.00 0.00 0.00 1,962,902.65 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 15 0 0 0 15 1,962,902.65 0.00 0.00 0.00 1,962,902.65 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.684307% 0.000000% 0.000000% 0.000000% 0.684307% 0.704428% 0.000000% 0.000000% 0.000000% 0.704428% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.684307% 0.000000% 0.000000% 0.000000% 0.684307% 0.704428% 0.000000% 0.000000% 0.000000% 0.704428%
Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 1 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 9 0 0 0 9 1,229,674.83 0.00 0.00 0.00 1,229,674.83 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 9 0 0 0 9 1,229,674.83 0.00 0.00 0.00 1,229,674.83 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.917431% 0.000000% 0.000000% 0.000000% 0.917431% 1.016552% 0.000000% 0.000000% 0.000000% 1.016552% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.917431% 0.000000% 0.000000% 0.000000% 0.917431% 1.016552% 0.000000% 0.000000% 0.000000% 1.016552% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 2 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 3 0 0 0 3 572,189.82 0.00 0.00 0.00 572,189.82 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 0 0 0 3 572,189.82 0.00 0.00 0.00 572,189.82 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.432900% 0.000000% 0.000000% 0.000000% 0.432900% 0.557432% 0.000000% 0.000000% 0.000000% 0.557432% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.432900% 0.000000% 0.000000% 0.000000% 0.432900% 0.557432% 0.000000% 0.000000% 0.000000% 0.557432% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 3 No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 3 0 0 0 3 161,038.00 0.00 0.00 0.00 161,038.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 3 0 0 0 3 161,038.00 0.00 0.00 0.00 161,038.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.579151% 0.000000% 0.000000% 0.000000% 0.579151% 0.292587% 0.000000% 0.000000% 0.000000% 0.292587% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.579151% 0.000000% 0.000000% 0.000000% 0.579151% 0.292587% 0.000000% 0.000000% 0.000000% 0.292587%
OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 12,174.03
COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 6.205707% Weighted Average Pass-Through Rate 5.945207% Weighted Average Maturity(Stepdown Calculation ) 357 Beginning Scheduled Collateral Loan Count 2,205 Number Of Loans Paid In Full 13 Ending Scheduled Collateral Loan Count 2,192 Beginning Scheduled Collateral Balance 280,379,412.02 Ending Scheduled Collateral Balance 278,323,423.46 Ending Actual Collateral Balance at 30-Nov-2004 278,652,156.82 Monthly P &I Constant 1,862,526.95 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Non-PO Optimal Amount 3,346,613.23 Class AP Deferred Amount 0.00 Scheduled Principal 412,566.65 Unscheduled Principal 1,643,421.91
Group Level Collateral Statement Group 1 2 3 Collateral Description Fixed 15 & 30 Year Fixed 15 & 30 Year Fixed 15 & 30 Year Weighted Average Coupon Rate 6.304750 6.324827 5.765566 Weighted Average Net Rate 6.054750 6.074827 5.515566 Weighted Average Maturity 357 357 177 Beginning Loan Count 989 695 521 Loans Paid In Full 8 2 3 Ending Loan Count 981 693 518 Beginning Scheduled Balance 121,989,453.08 103,049,492.60 55,340,466.34 Ending scheduled Balance 120,867,068.09 102,576,175.30 54,880,180.07 Record Date 11/30/2004 11/30/2004 11/30/2004 Principal And Interest Constant 757,467.57 641,877.14 463,182.24 Scheduled Principal 116,540.05 98,735.30 197,291.30 Unscheduled Principal 1,005,844.94 374,582.00 262,994.97 Scheduled Interest 640,927.52 543,141.84 265,890.94 Servicing Fees 25,414.45 21,468.65 11,529.27 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 1,067.40 901.70 484.23 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 0.00 0.00 0.00 Pool Insurance Fee 0.00 0.00 0.00 Spread Fee 1 0.00 0.00 0.00 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 614,445.67 520,771.49 253,877.44 Realized Loss Amount 0.00 0.00 0.00 Cumulative Realized Loss 0.00 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 0.0000 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.044252 6.064327 5.505064
Group Level Collateral Statement Group Total Collateral Description Mixed Fixed Weighted Average Coupon Rate 6.205707 Weighted Average Net Rate 5.955771 Weighted Average Maturity 357 Beginning Loan Count 2,205 Loans Paid In Full 13 Ending Loan Count 2,192 Beginning Scheduled Balance 280,379,412.02 Ending scheduled Balance 278,323,423.46 Record Date 11/30/2004 Principal And Interest Constant 1,862,526.95 Scheduled Principal 412,566.65 Unscheduled Principal 1,643,421.91 Scheduled Interest 1,449,960.30 Servicing Fees 58,412.37 Master Servicing Fees 0.00 Trustee Fee 2,453.33 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,389,094.60 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 5.945207
Miscellaneous Reporting Group 1 CPR 9.466451% Subordinate % 4.751246% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.248754% Group 2 CPR 4.279827% Subordinate % 4.765343% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 95.234657% Group 3 CPR 5.575409% Subordinate % 3.051951% Subordinate Prepayment % 0.000000% Senior Prepayment % 100.000000% Senior % 96.948049%
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