-----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, CJ4ta+C7cD3yWmpONZyWZi0lEVDS1lfTGafbIVLzupp+ZHtgHHw7izXgt9LkiaQ2 1YDuTi8eKApytDZqYTPUHw== 0001056404-05-000001.txt : 20050103 0001056404-05-000001.hdr.sgml : 20041231 20050103074141 ACCESSION NUMBER: 0001056404-05-000001 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: 20050103 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Banc of America Funding Corp. Mortgage Pass-Through Certificates Series 2004-4 CENTRAL INDEX KEY: 0001310123 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: 333-109285-06 FILM NUMBER: 05500026 BUSINESS ADDRESS: STREET 1: C/O NORWEST BANK MINNESOTA N A STREET 2: 11000 BROKEN LAND PARKWAY CITY: COLUMBIA STATE: MD ZIP: 21044 BUSINESS PHONE: 4108842000 MAIL ADDRESS: STREET 1: NATIONSBANK CORPORATE CENTER STREET 2: NC1-007-11-07 CITY: CHARLOTTE STATE: NC ZIP: 28255 8-K 1 baf04004_dec.txt DECEMBER 8-K 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 FUNDING CORPORATION Mortgage Pass-Through Certificates, Series 2004-4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-109285-06 54-2163733 Pooling and Servicing Agreement) (Commission 54-2163734 (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 FUNDING CORPORATION, Mortgage Pass-Through Certificates, Series 2004-4 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 2004-4 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 FUNDING CORPORATION Mortgage Pass-Through Certificates, Series 2004-4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/29/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-4 Trust, relating to the December 27, 2004 distribution. EX-99.1
Banc of America Funding Corporation Mortgage Pass-Through Certificates Record Date: 11/30/2004 Distribution Date: 12/27/2004 Banc of America Funding Corporation Mortgage Pass-Through Certificates Series 2004-4 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Principal Class CUSIP Description Rate Balance Distribution Distribution 1-A-1 05946XKP7 SEN 5.50000% 18,939,000.00 86,803.75 0.00 1-A-2 05946XKQ5 SEN 5.25000% 123,944,000.00 542,255.00 4,572,230.20 1-A-3 05946XKR3 SEN 5.50000% 18,683,000.00 85,630.42 0.00 1-A-4 05946XKS1 SEN 5.50000% 256,000.00 1,173.33 0.00 1-A-5 05946XKT9 SEN 5.50000% 3,980,000.00 18,241.67 0.00 1-A-6 05946XKU6 SEN 2.58000% 15,493,000.00 33,309.95 571,528.78 1-A-7 05946XKV4 SEN 4.92000% 0.00 63,521.30 0.00 30-IO 05946XKW2 SEN 5.50000% 0.00 50,104.49 0.00 1-A-R 05946XKX0 SEN 5.50000% 50.00 0.25 50.00 1-A-LR 05946XKY8 SEN 5.50000% 50.00 0.23 50.00 2-A-1 05946XKZ5 SEN 4.50000% 18,813,000.00 70,548.75 787,908.53 3-A-1 05946XLA9 SEN 4.75000% 54,083,000.00 214,078.54 237,628.32 15-IO 05946XLB7 SEN 4.75000% 0.00 6,413.43 0.00 X-PO 05946XLC5 SEN 0.00000% 2,147,765.86 0.00 12,908.87 15-PO 05946XLD3 SEN 0.00000% 533,557.59 0.00 4,168.22 15-B-1 05946XLH4 SUB 4.68563% 522,000.00 2,038.25 2,094.70 15-B-2 05946XLJ0 SUB 4.68563% 186,000.00 726.27 746.39 15-B-3 05946XLK7 SUB 4.68563% 112,000.00 437.33 449.44 15-B-4 05946XLP6 SUB 4.68563% 111,000.00 433.42 445.42 15-B-5 05946XLQ4 SUB 4.68563% 75,000.00 292.85 300.96 15-B-6 05946XLR2 SUB 4.68563% 75,046.67 293.03 301.12 30-B-1 05946XLE1 SUB 5.50000% 2,936,000.00 13,456.67 3,078.26 30-B-2 05946XLF8 SUB 5.50000% 1,325,000.00 6,072.92 1,389.20 30-B-3 05946XLG6 SUB 5.50000% 568,000.00 2,603.33 595.52 30-B-4 05946XLL5 SUB 5.50000% 569,000.00 2,607.92 596.57 30-B-5 05946XLM3 SUB 5.50000% 284,000.00 1,301.67 297.76 30-B-6 05946XLN1 SUB 5.50000% 284,333.37 1,303.19 298.11 Totals 263,919,803.49 1,203,647.96 6,197,066.37
Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 18,939,000.00 86,803.75 0.00 1-A-2 0.00 119,371,769.80 5,114,485.20 0.00 1-A-3 0.00 18,683,000.00 85,630.42 0.00 1-A-4 0.00 256,000.00 1,173.33 0.00 1-A-5 0.00 3,980,000.00 18,241.67 0.00 1-A-6 0.00 14,921,471.22 604,838.73 0.00 1-A-7 0.00 0.00 63,521.30 0.00 30-IO 0.00 0.00 50,104.49 0.00 1-A-R 0.00 0.00 50.25 0.00 1-A-LR 0.00 0.00 50.23 0.00 2-A-1 0.00 18,025,091.47 858,457.28 0.00 3-A-1 0.00 53,845,371.68 451,706.86 0.00 15-IO 0.00 0.00 6,413.43 0.00 X-PO 0.00 2,134,856.99 12,908.87 0.00 15-PO 0.00 529,389.37 4,168.22 0.00 15-B-1 0.00 519,905.30 4,132.95 0.00 15-B-2 0.00 185,253.61 1,472.66 0.00 15-B-3 0.00 111,550.56 886.77 0.00 15-B-4 0.00 110,554.58 878.84 0.00 15-B-5 0.00 74,699.04 593.81 0.00 15-B-6 0.00 74,745.52 594.15 0.00 30-B-1 0.00 2,932,921.74 16,534.93 0.00 30-B-2 0.00 1,323,610.80 7,462.12 0.00 30-B-3 0.00 567,404.48 3,198.85 0.00 30-B-4 0.00 568,403.43 3,204.49 0.00 30-B-5 0.00 283,702.24 1,599.43 0.00 30-B-6 0.00 284,035.26 1,601.30 0.00 Totals 0.00 257,722,737.09 7,400,714.33 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-A-1 18,939,000.00 18,939,000.00 0.00 0.00 0.00 0.00 1-A-2 123,944,000.00 123,944,000.00 168,956.43 4,403,273.77 0.00 0.00 1-A-3 18,683,000.00 18,683,000.00 0.00 0.00 0.00 0.00 1-A-4 256,000.00 256,000.00 0.00 0.00 0.00 0.00 1-A-5 3,980,000.00 3,980,000.00 0.00 0.00 0.00 0.00 1-A-6 15,493,000.00 15,493,000.00 21,119.55 550,409.22 0.00 0.00 1-A-7 0.00 0.00 0.00 0.00 0.00 0.00 30-IO 0.00 0.00 0.00 0.00 0.00 0.00 1-A-R 50.00 50.00 1.85 48.15 0.00 0.00 1-A-LR 50.00 50.00 1.85 48.15 0.00 0.00 2-A-1 18,813,000.00 18,813,000.00 75,765.60 712,142.93 0.00 0.00 3-A-1 54,083,000.00 54,083,000.00 216,754.55 20,873.77 0.00 0.00 15-IO 0.00 0.00 0.00 0.00 0.00 0.00 X-PO 2,147,765.86 2,147,765.86 2,522.32 10,386.55 0.00 0.00 15-PO 533,557.59 533,557.59 2,196.98 1,971.24 0.00 0.00 15-B-1 522,000.00 522,000.00 2,094.70 0.00 0.00 0.00 15-B-2 186,000.00 186,000.00 746.39 0.00 0.00 0.00 15-B-3 112,000.00 112,000.00 449.44 0.00 0.00 0.00 15-B-4 111,000.00 111,000.00 445.42 0.00 0.00 0.00 15-B-5 75,000.00 75,000.00 300.96 0.00 0.00 0.00 15-B-6 75,046.67 75,046.67 301.12 0.00 0.00 0.00 30-B-1 2,936,000.00 2,936,000.00 3,078.26 0.00 0.00 0.00 30-B-2 1,325,000.00 1,325,000.00 1,389.20 0.00 0.00 0.00 30-B-3 568,000.00 568,000.00 595.52 0.00 0.00 0.00 30-B-4 569,000.00 569,000.00 596.57 0.00 0.00 0.00 30-B-5 284,000.00 284,000.00 297.76 0.00 0.00 0.00 30-B-6 284,333.37 284,333.37 298.11 0.00 0.00 0.00 Totals 263,919,803.49 263,919,803.49 497,912.58 5,699,153.78 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-A-1 0.00 18,939,000.00 1.00000000 0.00 1-A-2 4,572,230.20 119,371,769.80 0.96311052 4,572,230.20 1-A-3 0.00 18,683,000.00 1.00000000 0.00 1-A-4 0.00 256,000.00 1.00000000 0.00 1-A-5 0.00 3,980,000.00 1.00000000 0.00 1-A-6 571,528.78 14,921,471.22 0.96311052 571,528.78 1-A-7 0.00 0.00 0.00000000 0.00 30-IO 0.00 0.00 0.00000000 0.00 1-A-R 50.00 0.00 0.00000000 50.00 1-A-LR 50.00 0.00 0.00000000 50.00 2-A-1 787,908.53 18,025,091.47 0.95811893 787,908.53 3-A-1 237,628.32 53,845,371.68 0.99560623 237,628.32 15-IO 0.00 0.00 0.00000000 0.00 X-PO 12,908.87 2,134,856.99 0.99398963 12,908.87 15-PO 4,168.22 529,389.37 0.99218787 4,168.22 15-B-1 2,094.70 519,905.30 0.99598716 2,094.70 15-B-2 746.39 185,253.61 0.99598715 746.39 15-B-3 449.44 111,550.56 0.99598714 449.44 15-B-4 445.42 110,554.58 0.99598721 445.42 15-B-5 300.96 74,699.04 0.99598720 300.96 15-B-6 301.12 74,745.52 0.99598716 301.12 30-B-1 3,078.26 2,932,921.74 0.99895155 3,078.26 30-B-2 1,389.20 1,323,610.80 0.99895155 1,389.20 30-B-3 595.52 567,404.48 0.99895155 595.52 30-B-4 596.57 568,403.43 0.99895155 596.57 30-B-5 297.76 283,702.24 0.99895155 297.76 30-B-6 298.11 284,035.26 0.99895155 298.11 Totals 6,197,066.37 257,722,737.09 0.97651913 6,197,066.37
Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 18,939,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-2 123,944,000.00 1000.00000000 1.36316748 35.52631648 0.00000000 1-A-3 18,683,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-4 256,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-5 3,980,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 1-A-6 15,493,000.00 1000.00000000 1.36316724 35.52631640 0.00000000 1-A-7 0.00 0.00000000 0.00000000 0.00000000 0.00000000 30-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 1-A-R 50.00 1000.00000000 37.00000000 963.00000000 0.00000000 1-A-LR 50.00 1000.00000000 37.00000000 963.00000000 0.00000000 2-A-1 18,813,000.00 1000.00000000 4.02730027 37.85376761 0.00000000 3-A-1 54,083,000.00 1000.00000000 4.00781299 0.38595806 0.00000000 15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 2,147,765.86 1000.00000000 1.17439245 4.83597872 0.00000000 15-PO 533,557.59 1000.00000000 4.11760612 3.69452152 0.00000000 15-B-1 522,000.00 1000.00000000 4.01283525 0.00000000 0.00000000 15-B-2 186,000.00 1000.00000000 4.01284946 0.00000000 0.00000000 15-B-3 112,000.00 1000.00000000 4.01285714 0.00000000 0.00000000 15-B-4 111,000.00 1000.00000000 4.01279279 0.00000000 0.00000000 15-B-5 75,000.00 1000.00000000 4.01280000 0.00000000 0.00000000 15-B-6 75,046.67 1000.00000000 4.01243653 0.00000000 0.00000000 30-B-1 2,936,000.00 1000.00000000 1.04845368 0.00000000 0.00000000 30-B-2 1,325,000.00 1000.00000000 1.04845283 0.00000000 0.00000000 30-B-3 568,000.00 1000.00000000 1.04845070 0.00000000 0.00000000 30-B-4 569,000.00 1000.00000000 1.04845343 0.00000000 0.00000000 30-B-5 284,000.00 1000.00000000 1.04845070 0.00000000 0.00000000 30-B-6 284,333.37 1000.00000000 1.04845239 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-A-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-2 0.00000000 36.88948396 963.11051604 0.96311052 36.88948396 1-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 1-A-6 0.00000000 36.88948428 963.11051572 0.96311052 36.88948428 1-A-7 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 30-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 1-A-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 1-A-LR 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 2-A-1 0.00000000 41.88106788 958.11893212 0.95811893 41.88106788 3-A-1 0.00000000 4.39377106 995.60622894 0.99560623 4.39377106 15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 X-PO 0.00000000 6.01037117 993.98962883 0.99398963 6.01037117 15-PO 0.00000000 7.81212765 992.18787235 0.99218787 7.81212765 15-B-1 0.00000000 4.01283525 995.98716475 0.99598716 4.01283525 15-B-2 0.00000000 4.01284946 995.98715054 0.99598715 4.01284946 15-B-3 0.00000000 4.01285714 995.98714286 0.99598714 4.01285714 15-B-4 0.00000000 4.01279279 995.98720721 0.99598721 4.01279279 15-B-5 0.00000000 4.01280000 995.98720000 0.99598720 4.01280000 15-B-6 0.00000000 4.01243653 995.98716372 0.99598716 4.01243653 30-B-1 0.00000000 1.04845368 998.95154632 0.99895155 1.04845368 30-B-2 0.00000000 1.04845283 998.95154717 0.99895155 1.04845283 30-B-3 0.00000000 1.04845070 998.95154930 0.99895155 1.04845070 30-B-4 0.00000000 1.04845343 998.95154657 0.99895155 1.04845343 30-B-5 0.00000000 1.04845070 998.95154930 0.99895155 1.04845070 30-B-6 0.00000000 1.04845239 998.95154761 0.99895155 1.04845239 (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-A-1 18,939,000.00 5.50000% 18,939,000.00 86,803.75 0.00 0.00 1-A-2 123,944,000.00 5.25000% 123,944,000.00 542,255.00 0.00 0.00 1-A-3 18,683,000.00 5.50000% 18,683,000.00 85,630.42 0.00 0.00 1-A-4 256,000.00 5.50000% 256,000.00 1,173.33 0.00 0.00 1-A-5 3,980,000.00 5.50000% 3,980,000.00 18,241.67 0.00 0.00 1-A-6 15,493,000.00 2.58000% 15,493,000.00 33,309.95 0.00 0.00 1-A-7 0.00 4.92000% 15,493,000.00 63,521.30 0.00 0.00 30-IO 0.00 5.50000% 10,931,889.39 50,104.49 0.00 0.00 1-A-R 50.00 5.50000% 50.00 0.23 0.00 0.00 1-A-LR 50.00 5.50000% 50.00 0.23 0.00 0.00 2-A-1 18,813,000.00 4.50000% 18,813,000.00 70,548.75 0.00 0.00 3-A-1 54,083,000.00 4.75000% 54,083,000.00 214,078.54 0.00 0.00 15-IO 0.00 4.75000% 1,620,236.15 6,413.43 0.00 0.00 X-PO 2,147,765.86 0.00000% 2,147,765.86 0.00 0.00 0.00 15-PO 533,557.59 0.00000% 533,557.59 0.00 0.00 0.00 15-B-1 522,000.00 4.68563% 522,000.00 2,038.25 0.00 0.00 15-B-2 186,000.00 4.68563% 186,000.00 726.27 0.00 0.00 15-B-3 112,000.00 4.68563% 112,000.00 437.33 0.00 0.00 15-B-4 111,000.00 4.68563% 111,000.00 433.42 0.00 0.00 15-B-5 75,000.00 4.68563% 75,000.00 292.85 0.00 0.00 15-B-6 75,046.67 4.68563% 75,046.67 293.03 0.00 0.00 30-B-1 2,936,000.00 5.50000% 2,936,000.00 13,456.67 0.00 0.00 30-B-2 1,325,000.00 5.50000% 1,325,000.00 6,072.92 0.00 0.00 30-B-3 568,000.00 5.50000% 568,000.00 2,603.33 0.00 0.00 30-B-4 569,000.00 5.50000% 569,000.00 2,607.92 0.00 0.00 30-B-5 284,000.00 5.50000% 284,000.00 1,301.67 0.00 0.00 30-B-6 284,333.37 5.50000% 284,333.37 1,303.19 0.00 0.00 Totals 263,919,803.49 1,203,647.94 0.00 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-A-1 0.00 0.00 86,803.75 0.00 18,939,000.00 1-A-2 0.00 0.00 542,255.00 0.00 119,371,769.80 1-A-3 0.00 0.00 85,630.42 0.00 18,683,000.00 1-A-4 0.00 0.00 1,173.33 0.00 256,000.00 1-A-5 0.00 0.00 18,241.67 0.00 3,980,000.00 1-A-6 0.00 0.00 33,309.95 0.00 14,921,471.22 1-A-7 0.00 0.00 63,521.30 0.00 14,921,471.22 30-IO 0.00 0.00 50,104.49 0.00 10,502,709.88 1-A-R 0.00 0.00 0.25 0.00 0.00 1-A-LR 0.00 0.00 0.23 0.00 0.00 2-A-1 0.00 0.00 70,548.75 0.00 18,025,091.47 3-A-1 0.00 0.00 214,078.54 0.00 53,845,371.68 15-IO 0.00 0.00 6,413.43 0.00 1,613,599.64 X-PO 0.00 0.00 0.00 0.00 2,134,856.99 15-PO 0.00 0.00 0.00 0.00 529,389.37 15-B-1 0.00 0.00 2,038.25 0.00 519,905.30 15-B-2 0.00 0.00 726.27 0.00 185,253.61 15-B-3 0.00 0.00 437.33 0.00 111,550.56 15-B-4 0.00 0.00 433.42 0.00 110,554.58 15-B-5 0.00 0.00 292.85 0.00 74,699.04 15-B-6 0.00 0.00 293.03 0.00 74,745.52 30-B-1 0.00 0.00 13,456.67 0.00 2,932,921.74 30-B-2 0.00 0.00 6,072.92 0.00 1,323,610.80 30-B-3 0.00 0.00 2,603.33 0.00 567,404.48 30-B-4 0.00 0.00 2,607.92 0.00 568,403.43 30-B-5 0.00 0.00 1,301.67 0.00 283,702.24 30-B-6 0.00 0.00 1,303.19 0.00 284,035.26 Totals 0.00 0.00 1,203,647.96 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-A-1 18,939,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000 1-A-2 123,944,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000 1-A-3 18,683,000.00 5.50000% 1000.00000000 4.58333351 0.00000000 0.00000000 1-A-4 256,000.00 5.50000% 1000.00000000 4.58332031 0.00000000 0.00000000 1-A-5 3,980,000.00 5.50000% 1000.00000000 4.58333417 0.00000000 0.00000000 1-A-6 15,493,000.00 2.58000% 1000.00000000 2.15000000 0.00000000 0.00000000 1-A-7 0.00 4.92000% 1000.00000000 4.10000000 0.00000000 0.00000000 30-IO 0.00 5.50000% 1000.00000000 4.58333306 0.00000000 0.00000000 1-A-R 50.00 5.50000% 1000.00000000 4.60000000 0.00000000 0.00000000 1-A-LR 50.00 5.50000% 1000.00000000 4.60000000 0.00000000 0.00000000 2-A-1 18,813,000.00 4.50000% 1000.00000000 3.75000000 0.00000000 0.00000000 3-A-1 54,083,000.00 4.75000% 1000.00000000 3.95833330 0.00000000 0.00000000 15-IO 0.00 4.75000% 1000.00000000 3.95833040 0.00000000 0.00000000 X-PO 2,147,765.86 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 15-PO 533,557.59 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 15-B-1 522,000.00 4.68563% 1000.00000000 3.90469349 0.00000000 0.00000000 15-B-2 186,000.00 4.68563% 1000.00000000 3.90467742 0.00000000 0.00000000 15-B-3 112,000.00 4.68563% 1000.00000000 3.90473214 0.00000000 0.00000000 15-B-4 111,000.00 4.68563% 1000.00000000 3.90468468 0.00000000 0.00000000 15-B-5 75,000.00 4.68563% 1000.00000000 3.90466667 0.00000000 0.00000000 15-B-6 75,046.67 4.68563% 1000.00000000 3.90463694 0.00000000 0.00000000 30-B-1 2,936,000.00 5.50000% 1000.00000000 4.58333447 0.00000000 0.00000000 30-B-2 1,325,000.00 5.50000% 1000.00000000 4.58333585 0.00000000 0.00000000 30-B-3 568,000.00 5.50000% 1000.00000000 4.58332746 0.00000000 0.00000000 30-B-4 569,000.00 5.50000% 1000.00000000 4.58333919 0.00000000 0.00000000 30-B-5 284,000.00 5.50000% 1000.00000000 4.58334507 0.00000000 0.00000000 30-B-6 284,333.37 5.50000% 1000.00000000 4.58331711 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-A-1 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000 1-A-2 0.00000000 0.00000000 4.37500000 0.00000000 963.11051604 1-A-3 0.00000000 0.00000000 4.58333351 0.00000000 1000.00000000 1-A-4 0.00000000 0.00000000 4.58332031 0.00000000 1000.00000000 1-A-5 0.00000000 0.00000000 4.58333417 0.00000000 1000.00000000 1-A-6 0.00000000 0.00000000 2.15000000 0.00000000 963.11051572 1-A-7 0.00000000 0.00000000 4.10000000 0.00000000 963.11051572 30-IO 0.00000000 0.00000000 4.58333306 0.00000000 960.74059161 1-A-R 0.00000000 0.00000000 5.00000000 0.00000000 0.00000000 1-A-LR 0.00000000 0.00000000 4.60000000 0.00000000 0.00000000 2-A-1 0.00000000 0.00000000 3.75000000 0.00000000 958.11893212 3-A-1 0.00000000 0.00000000 3.95833330 0.00000000 995.60622894 15-IO 0.00000000 0.00000000 3.95833040 0.00000000 995.90398597 X-PO 0.00000000 0.00000000 0.00000000 0.00000000 993.98962883 15-PO 0.00000000 0.00000000 0.00000000 0.00000000 992.18787235 15-B-1 0.00000000 0.00000000 3.90469349 0.00000000 995.98716475 15-B-2 0.00000000 0.00000000 3.90467742 0.00000000 995.98715054 15-B-3 0.00000000 0.00000000 3.90473214 0.00000000 995.98714286 15-B-4 0.00000000 0.00000000 3.90468468 0.00000000 995.98720721 15-B-5 0.00000000 0.00000000 3.90466667 0.00000000 995.98720000 15-B-6 0.00000000 0.00000000 3.90463694 0.00000000 995.98716372 30-B-1 0.00000000 0.00000000 4.58333447 0.00000000 998.95154632 30-B-2 0.00000000 0.00000000 4.58333585 0.00000000 998.95154717 30-B-3 0.00000000 0.00000000 4.58332746 0.00000000 998.95154930 30-B-4 0.00000000 0.00000000 4.58333919 0.00000000 998.95154657 30-B-5 0.00000000 0.00000000 4.58334507 0.00000000 998.95154930 30-B-6 0.00000000 0.00000000 4.58331711 0.00000000 998.95154761 (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-X-PO 0.00000% 0.00 0.00 2,127,765.86 2,115,167.84 99.40792264% 2-X-PO 0.00000% 0.00 0.00 10,000.00 9,735.10 97.35100000% 3-X-PO 0.00000% 0.00 0.00 10,000.00 9,954.05 99.54050000% 1-15-PO 0.00000% 0.00 0.00 78,399.59 76,322.76 97.35096829% 2-15-PO 0.00000% 0.00 0.00 455,158.00 453,066.60 99.54051121%
CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 7,432,408.27 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 30,377.16 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 7,462,785.43 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 62,071.10 Payment of Interest and Principal 7,400,714.33 Total Withdrawals (Pool Distribution Amount) 7,462,785.43 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 55,062.51 Certificate Administration Fee 2,749.20 WMMSC Master Service Fee 4,259.39 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 62,071.10
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 9 0 0 0 9 2,729,076.77 0.00 0.00 0.00 2,729,076.77 60 Days 1 0 0 0 1 89,543.90 0.00 0.00 0.00 89,543.90 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 1 0 0 0 1 212,590.25 0.00 0.00 0.00 212,590.25 180+ Days 4 0 0 0 4 1,684,401.19 0.00 0.00 0.00 1,684,401.19 Totals 15 0 0 0 15 4,715,612.11 0.00 0.00 0.00 4,715,612.11 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 1.761252% 0.000000% 0.000000% 0.000000% 1.761252% 1.053700% 0.000000% 0.000000% 0.000000% 1.053700% 60 Days 0.195695% 0.000000% 0.000000% 0.000000% 0.195695% 0.034573% 0.000000% 0.000000% 0.000000% 0.034573% 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 0.195695% 0.000000% 0.000000% 0.000000% 0.195695% 0.082081% 0.000000% 0.000000% 0.000000% 0.082081% 180+ Days 0.782779% 0.000000% 0.000000% 0.000000% 0.782779% 0.650349% 0.000000% 0.000000% 0.000000% 0.650349% Totals 2.935421% 0.000000% 0.000000% 0.000000% 2.935421% 1.820704% 0.000000% 0.000000% 0.000000% 1.820704%
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 2,729,076.77 0.00 0.00 0.00 2,729,076.77 60 Days 1 0 0 0 1 89,543.90 0.00 0.00 0.00 89,543.90 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 1 0 0 0 1 212,590.25 0.00 0.00 0.00 212,590.25 180 Days 3 0 0 0 3 1,309,850.33 0.00 0.00 0.00 1,309,850.33 Totals 14 0 0 0 14 4,341,061.25 0.00 0.00 0.00 4,341,061.25 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 2.445652% 0.000000% 0.000000% 0.000000% 2.445652% 1.473086% 0.000000% 0.000000% 0.000000% 1.473086% 60 Days 0.271739% 0.000000% 0.000000% 0.000000% 0.271739% 0.048334% 0.000000% 0.000000% 0.000000% 0.048334% 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 0.271739% 0.000000% 0.000000% 0.000000% 0.271739% 0.114751% 0.000000% 0.000000% 0.000000% 0.114751% 180 Days 0.815217% 0.000000% 0.000000% 0.000000% 0.815217% 0.707024% 0.000000% 0.000000% 0.000000% 0.707024% Totals 3.804348% 0.000000% 0.000000% 0.000000% 3.804348% 2.343194% 0.000000% 0.000000% 0.000000% 2.343194% 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 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 1 0 0 0 1 374,550.86 0.00 0.00 0.00 374,550.86 Totals 1 0 0 0 1 374,550.86 0.00 0.00 0.00 374,550.86 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.925926% 0.000000% 0.000000% 0.000000% 0.925926% 0.677383% 0.000000% 0.000000% 0.000000% 0.677383% Totals 0.925926% 0.000000% 0.000000% 0.000000% 0.925926% 0.677383% 0.000000% 0.000000% 0.000000% 0.677383%
OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 30,377.16
COLLATERAL STATEMENT Collateral Description Fixed Weighted Average Gross Coupon 5.755016% Weighted Average Net Coupon 5.485288% Weighted Average Pass-Through Rate 5.472788% Weighted Average Maturity(Stepdown Calculation ) 352 Beginning Scheduled Collateral Loan Count 522 Number Of Loans Paid In Full 11 Ending Scheduled Collateral Loan Count 511 Beginning Scheduled Collateral Balance 263,919,803.49 Ending Scheduled Collateral Balance 257,722,737.08 Ending Actual Collateral Balance at 30-Nov-2004 258,999,433.58 Monthly P &I Constant 1,763,631.64 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 497,912.62 Unscheduled Principal 5,699,153.79
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 6.044994 4.741760 5.113930 Weighted Average Net Rate 5.794492 4.491760 4.863931 Weighted Average Maturity 352 173 171 Beginning Loan Count 378 36 108 Loans Paid In Full 10 1 0 Ending Loan Count 368 35 108 Beginning Scheduled Balance 189,389,199.23 19,179,732.55 55,350,871.71 Ending scheduled Balance 184,226,486.80 18,388,361.36 55,107,888.92 Record Date 11/30/2004 11/30/2004 11/30/2004 Principal And Interest Constant 1,152,822.84 153,032.64 457,776.16 Scheduled Principal 198,775.64 77,244.57 221,892.41 Unscheduled Principal 4,963,936.79 714,126.62 21,090.38 Scheduled Interest 954,047.20 75,788.07 235,883.75 Servicing Fees 39,535.31 3,995.78 11,531.42 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee 0.00 0.00 0.00 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 6,125.85 199.79 682.97 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 908,386.04 71,592.50 223,669.36 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 5.755678 4.479260 4.849124
Group Level Collateral Statement Group Total Collateral Description Fixed Weighted Average Coupon Rate 5.755016 Weighted Average Net Rate 5.485288 Weighted Average Maturity 352 Beginning Loan Count 522 Loans Paid In Full 11 Ending Loan Count 511 Beginning Scheduled Balance 263,919,803.49 Ending scheduled Balance 257,722,737.08 Record Date 11/30/2004 Principal And Interest Constant 1,763,631.64 Scheduled Principal 497,912.62 Unscheduled Principal 5,699,153.79 Scheduled Interest 1,265,719.02 Servicing Fees 55,062.51 Master Servicing Fees 0.00 Trustee Fee 0.00 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 7,008.61 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,203,647.90 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 5.472788
Miscellaneous Reporting Group 1 CPR 27.316631% Subordinate Percentage 3.186098% Subordinate Prepayment Percentage 0.000000% Senior Percentage 96.813902% Senior Prepayment Percentage 100.00% Group 2 CPR 36.695128% Subordinate Percentage 1.457902% Subordinate Prepayment Percentage 0.000000% Senior Percentage 98.542098% Senior Prepayment Percentage 100.00% Group 3 CPR 0.458112% Subordinate Percentage 1.462519% Subordinate Prepayment Percentage 0.000000% Senior Percentage 98.537481% Senior Prepayment Percentage 100.00%
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