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): August 25, 2004
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2004-6 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-38 54-2155118
Pooling and Servicing Agreement) (Commission 54-2155119
(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 August 25, 2004 a distribution was made to holders of BANC OF AMERICA
ALTERNATIVE LOAN TRUST, Mortgage Pass-Through Certificates, Series 2004-6
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 2004-6 Trust, relating to the
August 25, 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 2004-6 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: 9/2/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2004-6 Trust,
relating to the August 25, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 7/31/04
Distribution Date: 8/25/04
BAA Series: 2004-6
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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 05948KTE9 SEN 6.00000% 164,902,566.24 824,512.83 1,811,075.28
1-A-R 05948KSE0 SEN 6.00000% 0.00 0.05 0.00
1-A-LR 05948KSF7 SEN 6.00000% 0.00 0.00 0.00
2-A-1 05948KSG5 SEN 6.00000% 93,771,144.83 468,855.72 903,833.45
CB-IO 05948KSH3 SEN 6.00000% 0.00 5,078.48 0.00
3-A-1 05948KSJ9 SEN 6.00000% 3,786,000.00 18,930.00 0.00
3-A-2 05948KSK6 SEN 6.00000% 28,252,455.30 141,262.28 391,001.25
3-A-3 05948KSL4 SEN 6.00000% 2,329,590.00 11,647.95 (11,647.95)
3-IO 05948KSM2 SEN 6.00000% 0.00 1,060.05 0.00
4-A-1 05948KSN0 SEN 5.00000% 114,986,632.84 479,110.97 623,652.07
4-IO 05948KSP5 SEN 5.00000% 0.00 17,098.94 0.00
X-PO 05948KSQ3 SEN 0.00000% 15,147,756.25 0.00 103,946.29
15-PO 05948KSR1 SEN 0.00000% 2,999,812.03 0.00 16,123.30
4-B-1 05948KSV2 SUB 5.00000% 1,570,180.52 6,542.42 5,855.76
4-B-2 05948KSW0 SUB 5.00000% 241,106.40 1,004.61 899.17
4-B-3 05948KSX8 SUB 5.00000% 362,655.91 1,511.07 1,352.47
4-B-4 05948KTB5 SUB 5.00000% 181,327.95 755.53 676.24
4-B-5 05948KTC3 SUB 5.00000% 120,553.20 502.30 449.59
4-B-6 05948KTD1 SUB 5.00000% 181,414.63 755.89 676.56
30-B-1 05948KSS9 SUB 6.00000% 5,977,957.58 29,889.79 6,079.48
30-B-2 05948KST7 SUB 6.00000% 2,908,060.58 14,540.30 2,957.45
30-B-3 05948KSU4 SUB 6.00000% 1,615,367.21 8,076.84 1,642.80
30-B-4 05948KSY6 SUB 6.00000% 1,615,367.21 8,076.84 1,642.80
30-B-5 05948KSZ3 SUB 6.00000% 1,130,856.95 5,654.28 1,150.06
30-B-6 05948KTA7 SUB 6.00000% 1,292,392.10 6,461.96 1,314.04
Totals 443,373,197.73 2,051,329.10 3,862,680.11
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-A-1 0.00 163,091,490.96 2,635,588.11 0.00
1-A-R 0.00 0.00 0.05 0.00
1-A-LR 0.00 0.00 0.00 0.00
2-A-1 0.00 92,867,311.38 1,372,689.17 0.00
CB-IO 0.00 0.00 5,078.48 0.00
3-A-1 0.00 3,786,000.00 18,930.00 0.00
3-A-2 0.00 27,861,454.05 532,263.53 0.00
3-A-3 0.00 2,341,237.95 0.00 0.00
3-IO 0.00 0.00 1,060.05 0.00
4-A-1 0.00 114,362,980.77 1,102,763.04 0.00
4-IO 0.00 0.00 17,098.94 0.00
X-PO 0.00 15,043,809.96 103,946.29 0.00
15-PO 0.00 2,983,688.73 16,123.30 0.00
4-B-1 0.00 1,564,324.75 12,398.18 0.00
4-B-2 0.00 240,207.23 1,903.78 0.00
4-B-3 0.00 361,303.43 2,863.54 0.00
4-B-4 0.00 180,651.72 1,431.77 0.00
4-B-5 0.00 120,103.61 951.89 0.00
4-B-6 0.00 180,738.07 1,432.45 0.00
30-B-1 0.00 5,971,878.10 35,969.27 0.00
30-B-2 0.00 2,905,103.13 17,497.75 0.00
30-B-3 0.00 1,613,724.41 9,719.64 0.00
30-B-4 0.00 1,613,724.41 9,719.64 0.00
30-B-5 0.00 1,129,706.89 6,804.34 0.00
30-B-6 0.00 1,291,078.06 7,776.00 0.00
Totals 0.00 439,510,517.61 5,914,009.21 0.00
<FN>
All distributions required by the Pooling and Servicing Agreement have been calculated by the
Certificate Administrator on behalf of the Trustee.
</FN>
Principal Distribution Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal Realized
Class Amount Balance Distribution Distribution Accretion Loss (1)
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 164,902,566.24 168,472.19 1,642,603.10 0.00 0.00
1-A-R 50.00 0.00 0.00 0.00 0.00 0.00
1-A-LR 50.00 0.00 0.00 0.00 0.00 0.00
2-A-1 93,876,000.00 93,771,144.83 95,030.03 808,803.42 0.00 0.00
CB-IO 0.00 0.00 0.00 0.00 0.00 0.00
3-A-1 3,786,000.00 3,786,000.00 0.00 0.00 0.00 0.00
3-A-2 28,301,000.00 28,252,455.30 35,567.76 355,433.49 0.00 0.00
3-A-3 2,318,000.00 2,329,590.00 0.00 0.00 (11,647.95) 0.00
3-IO 0.00 0.00 0.00 0.00 0.00 0.00
4-A-1 115,510,000.00 114,986,632.84 428,826.23 194,825.84 0.00 0.00
4-IO 0.00 0.00 0.00 0.00 0.00 0.00
X-PO 15,171,278.00 15,147,756.25 16,338.76 87,607.54 0.00 0.00
15-PO 3,012,942.00 2,999,812.03 11,660.60 4,462.70 0.00 0.00
4-B-1 1,576,000.00 1,570,180.52 5,855.76 0.00 0.00 0.00
4-B-2 242,000.00 241,106.40 899.17 0.00 0.00 0.00
4-B-3 364,000.00 362,655.91 1,352.47 0.00 0.00 0.00
4-B-4 182,000.00 181,327.95 676.24 0.00 0.00 0.00
4-B-5 121,000.00 120,553.20 449.59 0.00 0.00 0.00
4-B-6 182,087.00 181,414.63 676.56 0.00 0.00 0.00
30-B-1 5,984,000.00 5,977,957.58 6,079.48 0.00 0.00 0.00
30-B-2 2,911,000.00 2,908,060.58 2,957.45 0.00 0.00 0.00
30-B-3 1,617,000.00 1,615,367.21 1,642.80 0.00 0.00 0.00
30-B-4 1,617,000.00 1,615,367.21 1,642.80 0.00 0.00 0.00
30-B-5 1,132,000.00 1,130,856.95 1,150.06 0.00 0.00 0.00
30-B-6 1,293,698.43 1,292,392.10 1,314.04 0.00 0.00 0.00
Totals 444,606,105.43 443,373,197.73 780,591.99 3,093,736.09 (11,647.95) 0.00
<FN>
(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.
</FN>
Principal Distribution Statement (continued)
Total Ending Ending Total
Principal Certificate Certificate Principal
Class Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c>
1-A-1 1,811,075.28 163,091,490.96 0.98598922 1,811,075.28
1-A-R 0.00 0.00 0.00000000 0.00
1-A-LR 0.00 0.00 0.00000000 0.00
2-A-1 903,833.45 92,867,311.38 0.98925510 903,833.45
CB-IO 0.00 0.00 0.00000000 0.00
3-A-1 0.00 3,786,000.00 1.00000000 0.00
3-A-2 391,001.25 27,861,454.05 0.98446889 391,001.25
3-A-3 (11,647.95) 2,341,237.95 1.01002500 (11,647.95)
3-IO 0.00 0.00 0.00000000 0.00
4-A-1 623,652.07 114,362,980.77 0.99006996 623,652.07
4-IO 0.00 0.00 0.00000000 0.00
X-PO 103,946.29 15,043,809.96 0.99159807 103,946.29
15-PO 16,123.30 2,983,688.73 0.99029080 16,123.30
4-B-1 5,855.76 1,564,324.75 0.99259185 5,855.76
4-B-2 899.17 240,207.23 0.99259186 899.17
4-B-3 1,352.47 361,303.43 0.99259184 1,352.47
4-B-4 676.24 180,651.72 0.99259187 676.24
4-B-5 449.59 120,103.61 0.99259182 449.59
4-B-6 676.56 180,738.07 0.99259184 676.56
30-B-1 6,079.48 5,971,878.10 0.99797428 6,079.48
30-B-2 2,957.45 2,905,103.13 0.99797428 2,957.45
30-B-3 1,642.80 1,613,724.41 0.99797428 1,642.80
30-B-4 1,642.80 1,613,724.41 0.99797428 1,642.80
30-B-5 1,150.06 1,129,706.89 0.99797428 1,150.06
30-B-6 1,314.04 1,291,078.06 0.99797451 1,314.04
Totals 3,862,680.11 439,510,517.61 0.98853910 3,862,680.11
Principal Distribution Factors Statement
Original Beginning Scheduled Unscheduled
Face Certificate Principal Principal
Class (2) Amount Balance Distribution Distribution Accretion
<s> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 996.93829381 1.01851888 9.93055456 0.00000000
1-A-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 93,876,000.00 998.88304604 1.01229313 8.61565704 0.00000000
CB-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
3-A-1 3,786,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
3-A-2 28,301,000.00 998.28470019 1.25676690 12.55904350 0.00000000
3-A-3 2,318,000.00 1005.00000000 0.00000000 0.00000000 (5.02500000)
3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 115,510,000.00 995.46907489 3.71245979 1.68665778 0.00000000
4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 15,171,278.00 998.44958678 1.07695344 5.77456560 0.00000000
15-PO 3,012,942.00 995.64214313 3.87017075 1.48117687 0.00000000
4-B-1 1,576,000.00 996.30743655 3.71558376 0.00000000 0.00000000
4-B-2 242,000.00 996.30743802 3.71557851 0.00000000 0.00000000
4-B-3 364,000.00 996.30744505 3.71557692 0.00000000 0.00000000
4-B-4 182,000.00 996.30741758 3.71560440 0.00000000 0.00000000
4-B-5 121,000.00 996.30743802 3.71561983 0.00000000 0.00000000
4-B-6 182,087.00 996.30742447 3.71558651 0.00000000 0.00000000
30-B-1 5,984,000.00 998.99023730 1.01595588 0.00000000 0.00000000
30-B-2 2,911,000.00 998.99023703 1.01595672 0.00000000 0.00000000
30-B-3 1,617,000.00 998.99023500 1.01595547 0.00000000 0.00000000
30-B-4 1,617,000.00 998.99023500 1.01595547 0.00000000 0.00000000
30-B-5 1,132,000.00 998.99023852 1.01595406 0.00000000 0.00000000
30-B-6 1,293,698.43 998.99023608 1.01572358 0.00000000 0.00000000
<FN>
(2) All Classes are per $1,000 denomination.
</FN>
Principal Distribution Factors Statement (continued)
Total Ending Ending Total
Realized Principal Certificate Certificate Principal
Class Loss (3) Reduction Balance Percentage Distribution
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 10.94907339 985.98922042 0.98598922 10.94907339
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 9.62795017 989.25509587 0.98925510 9.62795017
CB-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
3-A-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
3-A-2 0.00000000 13.81581040 984.46888979 0.98446889 13.81581040
3-A-3 0.00000000 (5.02500000) 1,010.02500000 1.01002500 (5.02500000)
3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 5.39911757 990.06995732 0.99006996 5.39911757
4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 0.00000000 6.85151838 991.59806840 0.99159807 6.85151838
15-PO 0.00000000 5.35134762 990.29079551 0.99029080 5.35134762
4-B-1 0.00000000 3.71558376 992.59184645 0.99259185 3.71558376
4-B-2 0.00000000 3.71557851 992.59185950 0.99259186 3.71557851
4-B-3 0.00000000 3.71557692 992.59184066 0.99259184 3.71557692
4-B-4 0.00000000 3.71560440 992.59186813 0.99259187 3.71560440
4-B-5 0.00000000 3.71561983 992.59181818 0.99259182 3.71561983
4-B-6 0.00000000 3.71558651 992.59183797 0.99259184 3.71558651
30-B-1 0.00000000 1.01595588 997.97428142 0.99797428 1.01595588
30-B-2 0.00000000 1.01595672 997.97428032 0.99797428 1.01595672
30-B-3 0.00000000 1.01595547 997.97427953 0.99797428 1.01595547
30-B-4 0.00000000 1.01595547 997.97427953 0.99797428 1.01595547
30-B-5 0.00000000 1.01595406 997.97428445 0.99797428 1.01595406
30-B-6 0.00000000 1.01572358 997.97451250 0.99797451 1.01572358
<FN>
(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.
</FN>
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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 6.00000% 164,902,566.24 824,512.83 0.00 0.00
1-A-R 50.00 6.00000% 0.00 0.00 0.00 0.00
1-A-LR 50.00 6.00000% 0.00 0.00 0.00 0.00
2-A-1 93,876,000.00 6.00000% 93,771,144.83 468,855.72 0.00 0.00
CB-IO 0.00 6.00000% 1,015,695.13 5,078.48 0.00 0.00
3-A-1 3,786,000.00 6.00000% 3,786,000.00 18,930.00 0.00 0.00
3-A-2 28,301,000.00 6.00000% 28,252,455.30 141,262.28 0.00 0.00
3-A-3 2,318,000.00 6.00000% 2,329,590.00 11,647.95 0.00 0.00
3-IO 0.00 6.00000% 212,010.77 1,060.05 0.00 0.00
4-A-1 115,510,000.00 5.00000% 114,986,632.84 479,110.97 0.00 0.00
4-IO 0.00 5.00000% 4,103,745.67 17,098.94 0.00 0.00
X-PO 15,171,278.00 0.00000% 15,147,756.25 0.00 0.00 0.00
15-PO 3,012,942.00 0.00000% 2,999,812.03 0.00 0.00 0.00
4-B-1 1,576,000.00 5.00000% 1,570,180.52 6,542.42 0.00 0.00
4-B-2 242,000.00 5.00000% 241,106.40 1,004.61 0.00 0.00
4-B-3 364,000.00 5.00000% 362,655.91 1,511.07 0.00 0.00
4-B-4 182,000.00 5.00000% 181,327.95 755.53 0.00 0.00
4-B-5 121,000.00 5.00000% 120,553.20 502.30 0.00 0.00
4-B-6 182,087.00 5.00000% 181,414.63 755.89 0.00 0.00
30-B-1 5,984,000.00 6.00000% 5,977,957.58 29,889.79 0.00 0.00
30-B-2 2,911,000.00 6.00000% 2,908,060.58 14,540.30 0.00 0.00
30-B-3 1,617,000.00 6.00000% 1,615,367.21 8,076.84 0.00 0.00
30-B-4 1,617,000.00 6.00000% 1,615,367.21 8,076.84 0.00 0.00
30-B-5 1,132,000.00 6.00000% 1,130,856.95 5,654.28 0.00 0.00
30-B-6 1,293,698.43 6.00000% 1,292,392.10 6,461.96 0.00 0.00
Totals 444,606,105.43 2,051,329.05 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
<s> <c> <c> <c> <c> <c>
1-A-1 0.00 0.00 824,512.83 0.00 163,091,490.96
1-A-R 0.00 0.00 0.05 0.00 0.00
1-A-LR 0.00 0.00 0.00 0.00 0.00
2-A-1 0.00 0.00 468,855.72 0.00 92,867,311.38
CB-IO 0.00 0.00 5,078.48 0.00 963,660.15
3-A-1 0.00 0.00 18,930.00 0.00 3,786,000.00
3-A-2 0.00 0.00 141,262.28 0.00 27,861,454.05
3-A-3 0.00 0.00 11,647.95 0.00 2,341,237.95
3-IO 0.00 0.00 1,060.05 0.00 211,817.12
4-A-1 0.00 0.00 479,110.97 0.00 114,362,980.77
4-IO 0.00 0.00 17,098.94 0.00 4,079,206.72
X-PO 0.00 0.00 0.00 0.00 15,043,809.96
15-PO 0.00 0.00 0.00 0.00 2,983,688.73
4-B-1 0.00 0.00 6,542.42 0.00 1,564,324.75
4-B-2 0.00 0.00 1,004.61 0.00 240,207.23
4-B-3 0.00 0.00 1,511.07 0.00 361,303.43
4-B-4 0.00 0.00 755.53 0.00 180,651.72
4-B-5 0.00 0.00 502.30 0.00 120,103.61
4-B-6 0.00 0.00 755.89 0.00 180,738.07
30-B-1 0.00 0.00 29,889.79 0.00 5,971,878.10
30-B-2 0.00 0.00 14,540.30 0.00 2,905,103.13
30-B-3 0.00 0.00 8,076.84 0.00 1,613,724.41
30-B-4 0.00 0.00 8,076.84 0.00 1,613,724.41
30-B-5 0.00 0.00 5,654.28 0.00 1,129,706.89
30-B-6 0.00 0.00 6,461.96 0.00 1,291,078.06
Totals 0.00 0.00 2,051,329.10 0.00
<FN>
(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.
</FN>
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
<s> <c> <c> <c> <c> <c> <c>
1-A-1 165,409,000.00 6.00000% 996.93829381 4.98469146 0.00000000 0.00000000
1-A-R 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 93,876,000.00 6.00000% 998.88304604 4.99441519 0.00000000 0.00000000
CB-IO 0.00 6.00000% 997.34221803 4.98671536 0.00000000 0.00000000
3-A-1 3,786,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-A-2 28,301,000.00 6.00000% 998.28470019 4.99142362 0.00000000 0.00000000
3-A-3 2,318,000.00 6.00000% 1005.00000000 5.02500000 0.00000000 0.00000000
3-IO 0.00 6.00000% 999.07199409 4.99534183 0.00000000 0.00000000
4-A-1 115,510,000.00 5.00000% 995.46907489 4.14778781 0.00000000 0.00000000
4-IO 0.00 5.00000% 995.69729478 4.14873866 0.00000000 0.00000000
X-PO 15,171,278.00 0.00000% 998.44958678 0.00000000 0.00000000 0.00000000
15-PO 3,012,942.00 0.00000% 995.64214313 0.00000000 0.00000000 0.00000000
4-B-1 1,576,000.00 5.00000% 996.30743655 4.15128173 0.00000000 0.00000000
4-B-2 242,000.00 5.00000% 996.30743802 4.15128099 0.00000000 0.00000000
4-B-3 364,000.00 5.00000% 996.30744505 4.15129121 0.00000000 0.00000000
4-B-4 182,000.00 5.00000% 996.30741758 4.15126374 0.00000000 0.00000000
4-B-5 121,000.00 5.00000% 996.30743802 4.15123967 0.00000000 0.00000000
4-B-6 182,087.00 5.00000% 996.30742447 4.15125737 0.00000000 0.00000000
30-B-1 5,984,000.00 6.00000% 998.99023730 4.99495154 0.00000000 0.00000000
30-B-2 2,911,000.00 6.00000% 998.99023703 4.99495019 0.00000000 0.00000000
30-B-3 1,617,000.00 6.00000% 998.99023500 4.99495362 0.00000000 0.00000000
30-B-4 1,617,000.00 6.00000% 998.99023500 4.99495362 0.00000000 0.00000000
30-B-5 1,132,000.00 6.00000% 998.99023852 4.99494700 0.00000000 0.00000000
30-B-6 1,293,698.43 6.00000% 998.99023608 4.99495079 0.00000000 0.00000000
<FN>
(5) All Classes are per $1,000 denomination.
</FN>
Interest Distribution Factors Statement (continued)
Remaining Ending
Non-Supported Total Unpaid Certificate/
Interest Realized Interest Interest Notional
Class Shortfall Losses (6) Distribution Shortfall Balance
<s> <c> <c> <c> <c> <c>
1-A-1 0.00000000 0.00000000 4.98469146 0.00000000 985.98922042
1-A-R 0.00000000 0.00000000 1.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 4.99441519 0.00000000 989.25509587
CB-IO 0.00000000 0.00000000 4.98671536 0.00000000 946.24747430
3-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
3-A-2 0.00000000 0.00000000 4.99142362 0.00000000 984.46888979
3-A-3 0.00000000 0.00000000 5.02500000 0.00000000 1010.02500000
3-IO 0.00000000 0.00000000 4.99534183 0.00000000 998.15944473
4-A-1 0.00000000 0.00000000 4.14778781 0.00000000 990.06995732
4-IO 0.00000000 0.00000000 4.14873866 0.00000000 989.74337655
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 991.59806840
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 990.29079551
4-B-1 0.00000000 0.00000000 4.15128173 0.00000000 992.59184645
4-B-2 0.00000000 0.00000000 4.15128099 0.00000000 992.59185950
4-B-3 0.00000000 0.00000000 4.15129121 0.00000000 992.59184066
4-B-4 0.00000000 0.00000000 4.15126374 0.00000000 992.59186813
4-B-5 0.00000000 0.00000000 4.15123967 0.00000000 992.59181818
4-B-6 0.00000000 0.00000000 4.15125737 0.00000000 992.59183797
30-B-1 0.00000000 0.00000000 4.99495154 0.00000000 997.97428142
30-B-2 0.00000000 0.00000000 4.99495019 0.00000000 997.97428032
30-B-3 0.00000000 0.00000000 4.99495362 0.00000000 997.97427953
30-B-4 0.00000000 0.00000000 4.99495362 0.00000000 997.97427953
30-B-5 0.00000000 0.00000000 4.99494700 0.00000000 997.97428445
30-B-6 0.00000000 0.00000000 4.99495079 0.00000000 997.97451250
<FN>
(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.
</FN>
Certificateholder Component Statement
Component Beginning Ending Beginning Ending Ending
Pass-Through Notional Notional Component Component Component
Class Rate Balance Balance Balance Balance Percentage
<s> <c> <c> <c> <c> <c> <c>
1-IO 6.00000% 619,163.01 589,217.23 0.00 0.00 94.80433686%
2-IO 6.00000% 396,532.12 374,442.91 0.00 0.00 94.34351956%
1-PO 0.00000% 0.00 0.00 9,306,350.09 9,232,923.14 99.03405478%
2-PO 0.00000% 0.00 0.00 4,080,700.51 4,067,443.14 99.55614935%
3-PO 0.00000% 0.00 0.00 1,750,749.23 1,733,540.77 98.90557550%
4-PO 0.00000% 0.00 0.00 9,956.42 9,902.91 99.02910000%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 6,008,410.97
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 6,008,410.97
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 94,401.76
Payment of Interest and Principal 5,914,009.21
Total Withdrawals (Pool Distribution Amount) 6,008,410.97
Ending Balance 0.00
PREPAYMENT/CURTAILMENT INTEREST SHORTFALL
<s> <c>
Total Prepayment/Curtailment Interest Shortfall 0.00
Servicing Fee Support 0.00
Non-Supported Prepayment/Curtailment Interest Shortfall 0.00
SERVICING FEES
<s> <c>
Gross Servicing Fee 92,369.64
Trustee Fee - Wells Fargo Bank, N.A. 2,032.12
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 94,401.76
LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT
DELINQUENCY STATUS
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s> <c> <c> <c> <c> <c>
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 23 0 0 0 23
3,190,163.81 0.00 0.00 0.00 3,190,163.81
60 Days 1 0 0 0 1
841,750.00 0.00 0.00 0.00 841,750.00
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 24 0 0 0 24
4,031,913.81 0.00 0.00 0.00 4,031,913.81
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 0.740979% 0.000000% 0.000000% 0.000000% 0.740979%
0.724817% 0.000000% 0.000000% 0.000000% 0.724817%
60 Days 0.032216% 0.000000% 0.000000% 0.000000% 0.032216%
0.191249% 0.000000% 0.000000% 0.000000% 0.191249%
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 0.773196% 0.000000% 0.000000% 0.000000% 0.773196%
0.916066% 0.000000% 0.000000% 0.000000% 0.916066%
Delinquency Status By Groups
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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
1,512,285.92 0.00 0.00 0.00 1,512,285.92
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
1,512,285.92 0.00 0.00 0.00 1,512,285.92
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.663228% 0.000000% 0.000000% 0.000000% 0.663228%
0.836936% 0.000000% 0.000000% 0.000000% 0.836936%
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 0.663228% 0.000000% 0.000000% 0.000000% 0.663228%
0.836936% 0.000000% 0.000000% 0.000000% 0.836936%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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 5 0 0 0 5
643,685.79 0.00 0.00 0.00 643,685.79
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 5 0 0 0 5
643,685.79 0.00 0.00 0.00 643,685.79
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.766871% 0.000000% 0.000000% 0.000000% 0.766871%
0.633441% 0.000000% 0.000000% 0.000000% 0.633441%
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 0.766871% 0.000000% 0.000000% 0.000000% 0.766871%
0.633441% 0.000000% 0.000000% 0.000000% 0.633441%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 30 Year Fixed 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 1 0 0 0 1
841,750.00 0.00 0.00 0.00 841,750.00
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 1 0 0 0 1
841,750.00 0.00 0.00 0.00 841,750.00
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 1.282051% 0.000000% 0.000000% 0.000000% 1.282051%
2.247412% 0.000000% 0.000000% 0.000000% 2.247412%
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 1.282051% 0.000000% 0.000000% 0.000000% 1.282051%
2.247412% 0.000000% 0.000000% 0.000000% 2.247412%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
1 - 15 Year Fixed 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
1,034,192.10 0.00 0.00 0.00 1,034,192.10
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
1,034,192.10 0.00 0.00 0.00 1,034,192.10
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.884956% 0.000000% 0.000000% 0.000000% 0.884956%
0.859184% 0.000000% 0.000000% 0.000000% 0.859184%
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 0.884956% 0.000000% 0.000000% 0.000000% 0.884956%
0.859184% 0.000000% 0.000000% 0.000000% 0.859184%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 25,388.30
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 5.807470%
Weighted Average Net Coupon 5.557470%
Weighted Average Pass-Through Rate 5.551970%
Weighted Average Maturity(Stepdown Calculation ) 356
Beginning Scheduled Collateral Loan Count 3,121
Number Of Loans Paid In Full 17
Ending Scheduled Collateral Loan Count 3,104
Beginning Scheduled Collateral Balance 443,373,198.00
Ending Scheduled Collateral Balance 439,510,517.58
Ending Actual Collateral Balance at 31-Jul-2004 440,133,539.91
Monthly P &I Constant 2,925,263.26
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 779,532.72
Unscheduled Principal 3,083,147.70
Group Level Collateral Statement
Group 1 - 30 Year Fixed 1 - 30 Year Fixed 1 - 30 Year Fixed
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 30 Year
Weighted Average Coupon Rate 5.969790 6.039767 6.011395
Weighted Average Net Rate 5.719790 5.789767 5.761395
Weighted Average Maturity 356 356 357
Beginning Loan Count 1,369 654 79
Loans Paid In Full 12 2 1
Ending Loan Count 1,357 652 78
Beginning Scheduled Balance 182,434,519.17 102,463,500.36 37,821,538.31
Ending scheduled Balance 180,541,613.27 101,541,735.96 37,423,266.87
Record Date 07/31/2004 07/31/2004 07/31/2004
Principal And Interest Constant 1,094,435.58 619,891.95 227,529.53
Scheduled Principal 186,855.78 104,178.93 38,062.68
Unscheduled Principal 1,706,050.12 817,585.47 360,208.76
Scheduled Interest 907,579.80 515,713.02 189,466.85
Servicing Fees 38,007.20 21,346.55 7,879.50
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 836.16 469.61 173.37
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 868,736.44 493,896.86 181,413.98
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
Group Level Collateral Statement
Group 1 - 15 Year Fixed Total
Collateral Description Fixed 30 Year Fixed
Weighted Average Coupon Rate 5.300835 5.807470
Weighted Average Net Rate 5.050835 5.557470
Weighted Average Maturity 177 356
Beginning Loan Count 1,019 3,121
Loans Paid In Full 2 17
Ending Loan Count 1,017 3,104
Beginning Scheduled Balance 120,653,640.16 443,373,198.00
Ending scheduled Balance 120,003,901.48 439,510,517.58
Record Date 07/31/2004 07/31/2004
Principal And Interest Constant 983,406.20 2,925,263.26
Scheduled Principal 450,435.33 779,532.72
Unscheduled Principal 199,303.35 3,083,147.70
Scheduled Interest 532,970.87 2,145,730.54
Servicing Fees 25,136.19 92,369.44
Master Servicing Fees 0.00 0.00
Trustee Fee 552.99 2,032.13
FRY Amount 0.00 0.00
Special Hazard Fee 0.00 0.00
Other Fee 0.00 0.00
Pool Insurance Fee 0.00 0.00
Spread Fee 1 0.00 0.00
Spread Fee 2 0.00 0.00
Spread Fee 3 0.00 0.00
Net Interest 507,281.69 2,051,328.97
Realized Loss Amount 0.00 0.00
Cumulative Realized Loss 0.00 0.00
Percentage of Cumulative Losses 0.0000 0.0000
Prepayment Penalties 0.00 0.00
Special Servicing Fee 0.00 0.00
Miscellaneous Reporting
Group 1 - 30 Year Fixed
CPR 10.672702%
Subordinate Percenatge 4.751163%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.248837%
Group 1 - 30 Year Fixed
CPR 9.174828%
Subordinate Percenatge 4.687471%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.312529%
Group 1 - 30 Year Fixed
CPR 10.859001%
Subordinate Percenatge 4.720560%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.279440%
Miscellaneous Reporting
Group 1 - 15 Year Fixed
CPR 1.971620%
Subordinate Percenatge 2.258714%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 97.741286%