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): November 26, 2004
BANC OF AMERICA MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2004-9 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-118843-03
Pooling and Servicing Agreement) (Commission pending
(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 November 26, 2004 a distribution was made to holders of BANC OF AMERICA
MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2004-9
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 2004-9 Trust, relating to the
November 26, 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 MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2004-9 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: 11/28/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2004-9 Trust,
relating to the November 26, 2004 distribution.
EX-99.1
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Record Date: 10/31/04
Distribution Date: 11/26/04
BAM Series: 2004-9
Contact: CTSLink Customer Service
Wells Fargo Bank, N.A.
Corporate Trust Services
9062 Old Annapolis Road
Columbia, MD 21045-1951
Telephone: (301) 815-6600
Fax: (301) 815-6600
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 05949AVL1 SEN 5.50000% 28,290,000.00 129,662.50 0.00
1-A-2 05949AVM9 SEN 4.75000% 43,000,000.00 170,208.33 350,910.99
1-A-3 05949AVN7 SEN 5.50000% 28,200,000.00 129,250.00 0.00
1-A-4 05949AVP2 SEN 5.50000% 393,000.00 1,801.25 0.00
1-A-5 05949AVQ0 SEN 5.25000% 1,500,000.00 6,562.50 0.00
1-A-6 05949AVR8 SEN 5.75000% 1,500,000.00 7,187.50 0.00
1-A-7 05949AVS6 SEN 5.50000% 9,853,000.00 45,159.58 0.00
1-A-8 05949AVT4 SEN 5.25000% 107,190,000.00 468,956.25 874,747.65
1-A-9 05949AVU1 SEN 2.31000% 28,619,000.00 55,091.58 233,551.67
1-A-10 05949AVV9 SEN 5.69000% 0.00 135,701.76 0.00
1-A-11 05949AVW7 SEN 5.00000% 25,000,000.00 104,166.67 204,018.02
1-A-R 05949AVX5 SEN 5.50000% 50.00 0.23 50.00
1-A-LR 05949AVY3 SEN 5.50000% 50.00 0.36 50.00
2-A-1 05949AWA4 SEN 5.25000% 29,913,000.00 130,869.38 577,508.20
2-A-2 05949AWB2 SEN 5.00000% 19,942,000.00 83,091.67 385,005.47
3-A-1 05949AWE6 SEN 6.50000% 92,034,000.00 498,517.50 3,934,015.46
X-PO 05949AWJ5 PO 0.00000% 179,475.00 0.00 440.55
15-PO 05949AWC0 PO 0.00000% 180,478.00 0.00 1,536.81
3-PO 05949AWF3 PO 0.00000% 1,642,423.00 0.00 27,544.93
15-B-1 05949AWN6 SUB 5.15000% 667,000.00 2,862.54 2,400.95
15-B-2 05949AWP1 SUB 5.15000% 257,000.00 1,102.96 925.11
15-B-3 05949AWQ9 SUB 5.15000% 128,000.00 549.33 460.75
15-B-4 05949AWX4 SUB 5.15000% 103,000.00 442.04 370.76
15-B-5 05949AWY2 SUB 5.15000% 77,000.00 330.46 277.17
15-B-6 05949AWZ9 SUB 5.15000% 51,379.00 220.50 184.94
30-B-1 05949AWK2 SUB 5.50000% 5,516,000.00 25,281.67 5,458.02
30-B-2 05949AWL0 SUB 5.50000% 1,415,000.00 6,485.42 1,400.13
30-B-3 05949AWM8 SUB 5.50000% 849,000.00 3,891.25 840.08
30-B-4 05949AWU0 SUB 5.50000% 565,000.00 2,589.58 559.06
30-B-5 05949AWV8 SUB 5.50000% 425,000.00 1,947.92 420.53
30-B-6 05949AWW6 SUB 5.50000% 424,523.00 1,945.73 420.06
3-B-1 05949AWR7 SUB 6.00000% 1,682,000.00 8,410.00 2,316.19
3-B-2 05949AWS5 SUB 6.00000% 336,000.00 1,680.00 462.69
3-B-3 05949AWT3 SUB 6.00000% 144,000.00 720.00 198.29
3-B-4 05949AXA3 SUB 6.50000% 96,000.00 520.00 132.20
3-B-5 05949AXB1 SUB 6.50000% 48,000.00 260.00 66.10
3-B-6 05949AXC9 SUB 6.50000% 96,766.00 524.15 133.18
30-IO 05949AVZ0 IO 5.50000% 0.00 76,616.21 0.00
15-IO 05949AWD8 IO 5.25000% 0.00 6,460.12 0.00
3-IO 05949AWG1 IO 6.50000% 0.00 4,153.98 0.00
3-B-IO 05949AWH9 IO 0.50000% 0.00 900.83 0.00
Totals 430,317,144.00 2,114,121.75 6,606,405.96
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 28,290,000.00 129,662.50 0.00
1-A-2 0.00 42,649,089.01 521,119.32 0.00
1-A-3 0.00 28,200,000.00 129,250.00 0.00
1-A-4 0.00 393,000.00 1,801.25 0.00
1-A-5 0.00 1,500,000.00 6,562.50 0.00
1-A-6 0.00 1,500,000.00 7,187.50 0.00
1-A-7 0.00 9,853,000.00 45,159.58 0.00
1-A-8 0.00 106,315,252.35 1,343,703.90 0.00
1-A-9 0.00 28,385,448.33 288,643.25 0.00
1-A-10 0.00 0.00 135,701.76 0.00
1-A-11 0.00 24,795,981.98 308,184.69 0.00
1-A-R 0.00 0.00 50.23 0.00
1-A-LR 0.00 0.00 50.36 0.00
2-A-1 0.00 29,335,491.80 708,377.58 0.00
2-A-2 0.00 19,556,994.53 468,097.14 0.00
3-A-1 0.00 88,099,984.54 4,432,532.96 0.00
X-PO 0.00 179,034.45 440.55 0.00
15-PO 0.00 178,941.19 1,536.81 0.00
3-PO 0.00 1,614,878.07 27,544.93 0.00
15-B-1 0.00 664,599.05 5,263.49 0.00
15-B-2 0.00 256,074.89 2,028.07 0.00
15-B-3 0.00 127,539.25 1,010.08 0.00
15-B-4 0.00 102,629.24 812.80 0.00
15-B-5 0.00 76,722.83 607.63 0.00
15-B-6 0.00 51,194.06 405.44 0.00
30-B-1 0.00 5,510,541.98 30,739.69 0.00
30-B-2 0.00 1,413,599.87 7,885.55 0.00
30-B-3 0.00 848,159.92 4,731.33 0.00
30-B-4 0.00 564,440.94 3,148.64 0.00
30-B-5 0.00 424,579.47 2,368.45 0.00
30-B-6 0.00 424,102.94 2,365.79 0.00
3-B-1 0.00 1,679,683.81 10,726.19 0.00
3-B-2 0.00 335,537.31 2,142.69 0.00
3-B-3 0.00 143,801.71 918.29 0.00
3-B-4 0.00 95,867.80 652.20 0.00
3-B-5 0.00 47,933.90 326.10 0.00
3-B-6 0.00 96,632.82 657.33 0.00
30-IO 0.00 0.00 76,616.21 0.00
15-IO 0.00 0.00 6,460.12 0.00
3-IO 0.00 0.00 4,153.98 0.00
3-B-IO 0.00 0.00 900.83 0.00
Totals 0.00 423,710,738.04 8,720,527.71 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 28,290,000.00 28,290,000.00 0.00 0.00 0.00 0.00
1-A-2 43,000,000.00 43,000,000.00 57,102.95 293,808.04 0.00 0.00
1-A-3 28,200,000.00 28,200,000.00 0.00 0.00 0.00 0.00
1-A-4 393,000.00 393,000.00 0.00 0.00 0.00 0.00
1-A-5 1,500,000.00 1,500,000.00 0.00 0.00 0.00 0.00
1-A-6 1,500,000.00 1,500,000.00 0.00 0.00 0.00 0.00
1-A-7 9,853,000.00 9,853,000.00 0.00 0.00 0.00 0.00
1-A-8 107,190,000.00 107,190,000.00 142,345.70 732,401.95 0.00 0.00
1-A-9 28,619,000.00 28,619,000.00 38,005.33 195,546.33 0.00 0.00
1-A-10 0.00 0.00 0.00 0.00 0.00 0.00
1-A-11 25,000,000.00 25,000,000.00 33,199.39 170,818.63 0.00 0.00
1-A-R 50.00 50.00 8.14 41.86 0.00 0.00
1-A-LR 50.00 50.00 8.14 41.86 0.00 0.00
2-A-1 29,913,000.00 29,913,000.00 107,675.72 469,832.48 0.00 0.00
2-A-2 19,942,000.00 19,942,000.00 71,783.81 313,221.65 0.00 0.00
3-A-1 92,034,000.00 92,034,000.00 126,735.14 3,807,280.31 0.00 0.00
X-PO 179,475.00 179,475.00 233.94 206.61 0.00 0.00
15-PO 180,478.00 180,478.00 669.91 866.90 0.00 0.00
3-PO 1,642,423.00 1,642,423.00 3,626.92 23,918.01 0.00 0.00
15-B-1 667,000.00 667,000.00 2,400.95 0.00 0.00 0.00
15-B-2 257,000.00 257,000.00 925.11 0.00 0.00 0.00
15-B-3 128,000.00 128,000.00 460.75 0.00 0.00 0.00
15-B-4 103,000.00 103,000.00 370.76 0.00 0.00 0.00
15-B-5 77,000.00 77,000.00 277.17 0.00 0.00 0.00
15-B-6 51,379.00 51,379.00 184.94 0.00 0.00 0.00
30-B-1 5,516,000.00 5,516,000.00 5,458.02 0.00 0.00 0.00
30-B-2 1,415,000.00 1,415,000.00 1,400.13 0.00 0.00 0.00
30-B-3 849,000.00 849,000.00 840.08 0.00 0.00 0.00
30-B-4 565,000.00 565,000.00 559.06 0.00 0.00 0.00
30-B-5 425,000.00 425,000.00 420.53 0.00 0.00 0.00
30-B-6 424,523.00 424,523.00 420.06 0.00 0.00 0.00
3-B-1 1,682,000.00 1,682,000.00 2,316.19 0.00 0.00 0.00
3-B-2 336,000.00 336,000.00 462.69 0.00 0.00 0.00
3-B-3 144,000.00 144,000.00 198.29 0.00 0.00 0.00
3-B-4 96,000.00 96,000.00 132.20 0.00 0.00 0.00
3-B-5 48,000.00 48,000.00 66.10 0.00 0.00 0.00
3-B-6 96,766.00 96,766.00 133.18 0.00 0.00 0.00
30-IO 0.00 0.00 0.00 0.00 0.00 0.00
15-IO 0.00 0.00 0.00 0.00 0.00 0.00
3-IO 0.00 0.00 0.00 0.00 0.00 0.00
3-B-IO 0.00 0.00 0.00 0.00 0.00 0.00
Totals 430,317,144.00 430,317,144.00 598,421.30 6,007,984.63 0.00 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 0.00 28,290,000.00 1.00000000 0.00
1-A-2 350,910.99 42,649,089.01 0.99183928 350,910.99
1-A-3 0.00 28,200,000.00 1.00000000 0.00
1-A-4 0.00 393,000.00 1.00000000 0.00
1-A-5 0.00 1,500,000.00 1.00000000 0.00
1-A-6 0.00 1,500,000.00 1.00000000 0.00
1-A-7 0.00 9,853,000.00 1.00000000 0.00
1-A-8 874,747.65 106,315,252.35 0.99183928 874,747.65
1-A-9 233,551.67 28,385,448.33 0.99183928 233,551.67
1-A-10 0.00 0.00 0.00000000 0.00
1-A-11 204,018.02 24,795,981.98 0.99183928 204,018.02
1-A-R 50.00 0.00 0.00000000 50.00
1-A-LR 50.00 0.00 0.00000000 50.00
2-A-1 577,508.20 29,335,491.80 0.98069374 577,508.20
2-A-2 385,005.47 19,556,994.53 0.98069374 385,005.47
3-A-1 3,934,015.46 88,099,984.54 0.95725476 3,934,015.46
X-PO 440.55 179,034.45 0.99754534 440.55
15-PO 1,536.81 178,941.19 0.99148478 1,536.81
3-PO 27,544.93 1,614,878.07 0.98322909 27,544.93
15-B-1 2,400.95 664,599.05 0.99640037 2,400.95
15-B-2 925.11 256,074.89 0.99640035 925.11
15-B-3 460.75 127,539.25 0.99640039 460.75
15-B-4 370.76 102,629.24 0.99640039 370.76
15-B-5 277.17 76,722.83 0.99640039 277.17
15-B-6 184.94 51,194.06 0.99640047 184.94
30-B-1 5,458.02 5,510,541.98 0.99901051 5,458.02
30-B-2 1,400.13 1,413,599.87 0.99901051 1,400.13
30-B-3 840.08 848,159.92 0.99901051 840.08
30-B-4 559.06 564,440.94 0.99901051 559.06
30-B-5 420.53 424,579.47 0.99901052 420.53
30-B-6 420.06 424,102.94 0.99901051 420.06
3-B-1 2,316.19 1,679,683.81 0.99862295 2,316.19
3-B-2 462.69 335,537.31 0.99862295 462.69
3-B-3 198.29 143,801.71 0.99862299 198.29
3-B-4 132.20 95,867.80 0.99862292 132.20
3-B-5 66.10 47,933.90 0.99862292 66.10
3-B-6 133.18 96,632.82 0.99862369 133.18
30-IO 0.00 0.00 0.00000000 0.00
15-IO 0.00 0.00 0.00000000 0.00
3-IO 0.00 0.00 0.00000000 0.00
3-B-IO 0.00 0.00 0.00000000 0.00
Totals 6,606,405.96 423,710,738.04 0.98464759 6,606,405.96
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 28,290,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-2 43,000,000.00 1000.00000000 1.32797558 6.83274512 0.00000000
1-A-3 28,200,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-4 393,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-5 1,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-6 1,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-7 9,853,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-8 107,190,000.00 1000.00000000 1.32797556 6.83274513 0.00000000
1-A-9 28,619,000.00 1000.00000000 1.32797547 6.83274503 0.00000000
1-A-10 0.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-11 25,000,000.00 1000.00000000 1.32797560 6.83274520 0.00000000
1-A-R 50.00 1000.00000000 162.80000000 837.20000000 0.00000000
1-A-LR 50.00 1000.00000000 162.80000000 837.20000000 0.00000000
2-A-1 29,913,000.00 1000.00000000 3.59962959 15.70663190 0.00000000
2-A-2 19,942,000.00 1000.00000000 3.59962943 15.70663173 0.00000000
3-A-1 92,034,000.00 1000.00000000 1.37704696 41.36819339 0.00000000
X-PO 179,475.00 1000.00000000 1.30346845 1.15119097 0.00000000
15-PO 180,478.00 1000.00000000 3.71186516 4.80335553 0.00000000
3-PO 1,642,423.00 1000.00000000 2.20827400 14.56263703 0.00000000
15-B-1 667,000.00 1000.00000000 3.59962519 0.00000000 0.00000000
15-B-2 257,000.00 1000.00000000 3.59964981 0.00000000 0.00000000
15-B-3 128,000.00 1000.00000000 3.59960938 0.00000000 0.00000000
15-B-4 103,000.00 1000.00000000 3.59961165 0.00000000 0.00000000
15-B-5 77,000.00 1000.00000000 3.59961039 0.00000000 0.00000000
15-B-6 51,379.00 1000.00000000 3.59952510 0.00000000 0.00000000
30-B-1 5,516,000.00 1000.00000000 0.98948876 0.00000000 0.00000000
30-B-2 1,415,000.00 1000.00000000 0.98949117 0.00000000 0.00000000
30-B-3 849,000.00 1000.00000000 0.98949352 0.00000000 0.00000000
30-B-4 565,000.00 1000.00000000 0.98948673 0.00000000 0.00000000
30-B-5 425,000.00 1000.00000000 0.98948235 0.00000000 0.00000000
30-B-6 424,523.00 1000.00000000 0.98948702 0.00000000 0.00000000
3-B-1 1,682,000.00 1000.00000000 1.37704518 0.00000000 0.00000000
3-B-2 336,000.00 1000.00000000 1.37705357 0.00000000 0.00000000
3-B-3 144,000.00 1000.00000000 1.37701389 0.00000000 0.00000000
3-B-4 96,000.00 1000.00000000 1.37708333 0.00000000 0.00000000
3-B-5 48,000.00 1000.00000000 1.37708333 0.00000000 0.00000000
3-B-6 96,766.00 1000.00000000 1.37630986 0.00000000 0.00000000
30-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
3-B-IO 0.00 0.00000000 0.00000000 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 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-2 0.00000000 8.16072070 991.83927930 0.99183928 8.16072070
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 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-8 0.00000000 8.16072068 991.83927932 0.99183928 8.16072068
1-A-9 0.00000000 8.16072085 991.83927915 0.99183928 8.16072085
1-A-10 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-11 0.00000000 8.16072080 991.83927920 0.99183928 8.16072080
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 19.30626149 980.69373851 0.98069374 19.30626149
2-A-2 0.00000000 19.30626166 980.69373834 0.98069374 19.30626166
3-A-1 0.00000000 42.74524045 957.25475955 0.95725476 42.74524045
X-PO 0.00000000 2.45465942 997.54534058 0.99754534 2.45465942
15-PO 0.00000000 8.51522069 991.48477931 0.99148478 8.51522069
3-PO 0.00000000 16.77091103 983.22908897 0.98322909 16.77091103
15-B-1 0.00000000 3.59962519 996.40037481 0.99640037 3.59962519
15-B-2 0.00000000 3.59964981 996.40035019 0.99640035 3.59964981
15-B-3 0.00000000 3.59960938 996.40039063 0.99640039 3.59960938
15-B-4 0.00000000 3.59961165 996.40038835 0.99640039 3.59961165
15-B-5 0.00000000 3.59961039 996.40038961 0.99640039 3.59961039
15-B-6 0.00000000 3.59952510 996.40047490 0.99640047 3.59952510
30-B-1 0.00000000 0.98948876 999.01051124 0.99901051 0.98948876
30-B-2 0.00000000 0.98949117 999.01050883 0.99901051 0.98949117
30-B-3 0.00000000 0.98949352 999.01050648 0.99901051 0.98949352
30-B-4 0.00000000 0.98948673 999.01051327 0.99901051 0.98948673
30-B-5 0.00000000 0.98948235 999.01051765 0.99901052 0.98948235
30-B-6 0.00000000 0.98948702 999.01051298 0.99901051 0.98948702
3-B-1 0.00000000 1.37704518 998.62295482 0.99862295 1.37704518
3-B-2 0.00000000 1.37705357 998.62294643 0.99862295 1.37705357
3-B-3 0.00000000 1.37701389 998.62298611 0.99862299 1.37701389
3-B-4 0.00000000 1.37708333 998.62291667 0.99862292 1.37708333
3-B-5 0.00000000 1.37708333 998.62291667 0.99862292 1.37708333
3-B-6 0.00000000 1.37630986 998.62369014 0.99862369 1.37630986
30-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
3-B-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
<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 28,290,000.00 5.50000% 28,290,000.00 129,662.50 0.00 0.00
1-A-2 43,000,000.00 4.75000% 43,000,000.00 170,208.33 0.00 0.00
1-A-3 28,200,000.00 5.50000% 28,200,000.00 129,250.00 0.00 0.00
1-A-4 393,000.00 5.50000% 393,000.00 1,801.25 0.00 0.00
1-A-5 1,500,000.00 5.25000% 1,500,000.00 6,562.50 0.00 0.00
1-A-6 1,500,000.00 5.75000% 1,500,000.00 7,187.50 0.00 0.00
1-A-7 9,853,000.00 5.50000% 9,853,000.00 45,159.58 0.00 0.00
1-A-8 107,190,000.00 5.25000% 107,190,000.00 468,956.25 0.00 0.00
1-A-9 28,619,000.00 2.31000% 28,619,000.00 55,091.58 0.00 0.00
1-A-10 0.00 5.69000% 28,619,000.00 135,701.76 0.00 0.00
1-A-11 25,000,000.00 5.00000% 25,000,000.00 104,166.67 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 29,913,000.00 5.25000% 29,913,000.00 130,869.38 0.00 0.00
2-A-2 19,942,000.00 5.00000% 19,942,000.00 83,091.67 0.00 0.00
3-A-1 92,034,000.00 6.50000% 92,034,000.00 498,517.50 0.00 0.00
X-PO 179,475.00 0.00000% 179,475.00 0.00 0.00 0.00
15-PO 180,478.00 0.00000% 180,478.00 0.00 0.00 0.00
3-PO 1,642,423.00 0.00000% 1,642,423.00 0.00 0.00 0.00
15-B-1 667,000.00 5.15000% 667,000.00 2,862.54 0.00 0.00
15-B-2 257,000.00 5.15000% 257,000.00 1,102.96 0.00 0.00
15-B-3 128,000.00 5.15000% 128,000.00 549.33 0.00 0.00
15-B-4 103,000.00 5.15000% 103,000.00 442.04 0.00 0.00
15-B-5 77,000.00 5.15000% 77,000.00 330.46 0.00 0.00
15-B-6 51,379.00 5.15000% 51,379.00 220.50 0.00 0.00
30-B-1 5,516,000.00 5.50000% 5,516,000.00 25,281.67 0.00 0.00
30-B-2 1,415,000.00 5.50000% 1,415,000.00 6,485.42 0.00 0.00
30-B-3 849,000.00 5.50000% 849,000.00 3,891.25 0.00 0.00
30-B-4 565,000.00 5.50000% 565,000.00 2,589.58 0.00 0.00
30-B-5 425,000.00 5.50000% 425,000.00 1,947.92 0.00 0.00
30-B-6 424,523.00 5.50000% 424,523.00 1,945.73 0.00 0.00
3-B-1 1,682,000.00 6.00000% 1,682,000.00 8,410.00 0.00 0.00
3-B-2 336,000.00 6.00000% 336,000.00 1,680.00 0.00 0.00
3-B-3 144,000.00 6.00000% 144,000.00 720.00 0.00 0.00
3-B-4 96,000.00 6.50000% 96,000.00 520.00 0.00 0.00
3-B-5 48,000.00 6.50000% 48,000.00 260.00 0.00 0.00
3-B-6 96,766.00 6.50000% 96,766.00 524.15 0.00 0.00
30-IO 0.00 5.50000% 16,716,264.12 76,616.21 0.00 0.00
15-IO 0.00 5.25000% 1,476,599.31 6,460.12 0.00 0.00
3-IO 0.00 6.50000% 766,888.29 4,153.98 0.00 0.00
3-B-IO 0.00 0.50000% 2,162,000.00 900.83 0.00 0.00
Totals 430,317,144.00 2,114,121.62 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 0.00 129,662.50 0.00 28,290,000.00
1-A-2 0.00 0.00 170,208.33 0.00 42,649,089.01
1-A-3 0.00 0.00 129,250.00 0.00 28,200,000.00
1-A-4 0.00 0.00 1,801.25 0.00 393,000.00
1-A-5 0.00 0.00 6,562.50 0.00 1,500,000.00
1-A-6 0.00 0.00 7,187.50 0.00 1,500,000.00
1-A-7 0.00 0.00 45,159.58 0.00 9,853,000.00
1-A-8 0.00 0.00 468,956.25 0.00 106,315,252.35
1-A-9 0.00 0.00 55,091.58 0.00 28,385,448.33
1-A-10 0.00 0.00 135,701.76 0.00 28,385,448.33
1-A-11 0.00 0.00 104,166.67 0.00 24,795,981.98
1-A-R 0.00 0.00 0.23 0.00 0.00
1-A-LR 0.00 0.00 0.36 0.00 0.00
2-A-1 0.00 0.00 130,869.38 0.00 29,335,491.80
2-A-2 0.00 0.00 83,091.67 0.00 19,556,994.53
3-A-1 0.00 0.00 498,517.50 0.00 88,099,984.54
X-PO 0.00 0.00 0.00 0.00 179,034.45
15-PO 0.00 0.00 0.00 0.00 178,941.19
3-PO 0.00 0.00 0.00 0.00 1,614,878.07
15-B-1 0.00 0.00 2,862.54 0.00 664,599.05
15-B-2 0.00 0.00 1,102.96 0.00 256,074.89
15-B-3 0.00 0.00 549.33 0.00 127,539.25
15-B-4 0.00 0.00 442.04 0.00 102,629.24
15-B-5 0.00 0.00 330.46 0.00 76,722.83
15-B-6 0.00 0.00 220.50 0.00 51,194.06
30-B-1 0.00 0.00 25,281.67 0.00 5,510,541.98
30-B-2 0.00 0.00 6,485.42 0.00 1,413,599.87
30-B-3 0.00 0.00 3,891.25 0.00 848,159.92
30-B-4 0.00 0.00 2,589.58 0.00 564,440.94
30-B-5 0.00 0.00 1,947.92 0.00 424,579.47
30-B-6 0.00 0.00 1,945.73 0.00 424,102.94
3-B-1 0.00 0.00 8,410.00 0.00 1,679,683.81
3-B-2 0.00 0.00 1,680.00 0.00 335,537.31
3-B-3 0.00 0.00 720.00 0.00 143,801.71
3-B-4 0.00 0.00 520.00 0.00 95,867.80
3-B-5 0.00 0.00 260.00 0.00 47,933.90
3-B-6 0.00 0.00 524.15 0.00 96,632.82
30-IO 0.00 0.00 76,616.21 0.00 16,578,431.49
15-IO 0.00 0.00 6,460.12 0.00 1,457,721.49
3-IO 0.00 0.00 4,153.98 0.00 694,922.53
3-B-IO 0.00 0.00 900.83 0.00 2,159,022.82
Totals 0.00 0.00 2,114,121.75 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 28,290,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-2 43,000,000.00 4.75000% 1000.00000000 3.95833326 0.00000000 0.00000000
1-A-3 28,200,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-4 393,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-5 1,500,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000
1-A-6 1,500,000.00 5.75000% 1000.00000000 4.79166667 0.00000000 0.00000000
1-A-7 9,853,000.00 5.50000% 1000.00000000 4.58333300 0.00000000 0.00000000
1-A-8 107,190,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000
1-A-9 28,619,000.00 2.31000% 1000.00000000 1.92500017 0.00000000 0.00000000
1-A-10 0.00 5.69000% 1000.00000000 4.74166672 0.00000000 0.00000000
1-A-11 25,000,000.00 5.00000% 1000.00000000 4.16666680 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 29,913,000.00 5.25000% 1000.00000000 4.37500017 0.00000000 0.00000000
2-A-2 19,942,000.00 5.00000% 1000.00000000 4.16666683 0.00000000 0.00000000
3-A-1 92,034,000.00 6.50000% 1000.00000000 5.41666667 0.00000000 0.00000000
X-PO 179,475.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
15-PO 180,478.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
3-PO 1,642,423.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000
15-B-1 667,000.00 5.15000% 1000.00000000 4.29166417 0.00000000 0.00000000
15-B-2 257,000.00 5.15000% 1000.00000000 4.29167315 0.00000000 0.00000000
15-B-3 128,000.00 5.15000% 1000.00000000 4.29164063 0.00000000 0.00000000
15-B-4 103,000.00 5.15000% 1000.00000000 4.29165049 0.00000000 0.00000000
15-B-5 77,000.00 5.15000% 1000.00000000 4.29168831 0.00000000 0.00000000
15-B-6 51,379.00 5.15000% 1000.00000000 4.29163666 0.00000000 0.00000000
30-B-1 5,516,000.00 5.50000% 1000.00000000 4.58333394 0.00000000 0.00000000
30-B-2 1,415,000.00 5.50000% 1000.00000000 4.58333569 0.00000000 0.00000000
30-B-3 849,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
30-B-4 565,000.00 5.50000% 1000.00000000 4.58332743 0.00000000 0.00000000
30-B-5 425,000.00 5.50000% 1000.00000000 4.58334118 0.00000000 0.00000000
30-B-6 424,523.00 5.50000% 1000.00000000 4.58333235 0.00000000 0.00000000
3-B-1 1,682,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-B-2 336,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-B-3 144,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
3-B-4 96,000.00 6.50000% 1000.00000000 5.41666667 0.00000000 0.00000000
3-B-5 48,000.00 6.50000% 1000.00000000 5.41666667 0.00000000 0.00000000
3-B-6 96,766.00 6.50000% 1000.00000000 5.41667528 0.00000000 0.00000000
30-IO 0.00 5.50000% 1000.00000718 4.58333333 0.00000000 0.00000000
15-IO 0.00 5.25000% 1000.00020994 4.37499958 0.00000000 0.00000000
3-IO 0.00 6.50000% 1000.00037815 5.41667101 0.00000000 0.00000000
3-B-IO 0.00 0.50000% 1000.00000000 0.41666512 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 4.58333333 0.00000000 1000.00000000
1-A-2 0.00000000 0.00000000 3.95833326 0.00000000 991.83927930
1-A-3 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
1-A-4 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
1-A-5 0.00000000 0.00000000 4.37500000 0.00000000 1000.00000000
1-A-6 0.00000000 0.00000000 4.79166667 0.00000000 1000.00000000
1-A-7 0.00000000 0.00000000 4.58333300 0.00000000 1000.00000000
1-A-8 0.00000000 0.00000000 4.37500000 0.00000000 991.83927932
1-A-9 0.00000000 0.00000000 1.92500017 0.00000000 991.83927915
1-A-10 0.00000000 0.00000000 4.74166672 0.00000000 991.83927915
1-A-11 0.00000000 0.00000000 4.16666680 0.00000000 991.83927920
1-A-R 0.00000000 0.00000000 4.60000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 7.20000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 4.37500017 0.00000000 980.69373851
2-A-2 0.00000000 0.00000000 4.16666683 0.00000000 980.69373834
3-A-1 0.00000000 0.00000000 5.41666667 0.00000000 957.25475955
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 997.54534058
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 991.48477931
3-PO 0.00000000 0.00000000 0.00000000 0.00000000 983.22908897
15-B-1 0.00000000 0.00000000 4.29166417 0.00000000 996.40037481
15-B-2 0.00000000 0.00000000 4.29167315 0.00000000 996.40035019
15-B-3 0.00000000 0.00000000 4.29164063 0.00000000 996.40039063
15-B-4 0.00000000 0.00000000 4.29165049 0.00000000 996.40038835
15-B-5 0.00000000 0.00000000 4.29168831 0.00000000 996.40038961
15-B-6 0.00000000 0.00000000 4.29163666 0.00000000 996.40047490
30-B-1 0.00000000 0.00000000 4.58333394 0.00000000 999.01051124
30-B-2 0.00000000 0.00000000 4.58333569 0.00000000 999.01050883
30-B-3 0.00000000 0.00000000 4.58333333 0.00000000 999.01050648
30-B-4 0.00000000 0.00000000 4.58332743 0.00000000 999.01051327
30-B-5 0.00000000 0.00000000 4.58334118 0.00000000 999.01051765
30-B-6 0.00000000 0.00000000 4.58333235 0.00000000 999.01051298
3-B-1 0.00000000 0.00000000 5.00000000 0.00000000 998.62295482
3-B-2 0.00000000 0.00000000 5.00000000 0.00000000 998.62294643
3-B-3 0.00000000 0.00000000 5.00000000 0.00000000 998.62298611
3-B-4 0.00000000 0.00000000 5.41666667 0.00000000 998.62291667
3-B-5 0.00000000 0.00000000 5.41666667 0.00000000 998.62291667
3-B-6 0.00000000 0.00000000 5.41667528 0.00000000 998.62369014
30-IO 0.00000000 0.00000000 4.58333333 0.00000000 991.75458643
15-IO 0.00000000 0.00000000 4.37499958 0.00000000 987.21554735
3-IO 0.00000000 0.00000000 5.41667101 0.00000000 906.15908712
3-B-IO 0.00000000 0.00000000 0.41666512 0.00000000 998.62295097
<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>
X-PO-1 0.00000% 0.00 0.00 159,475.00 159,287.31 99.88230757%
X-PO-2 0.00000% 0.00 0.00 10,000.00 9,914.85 99.14850000%
X-PO-3 0.00000% 0.00 0.00 10,000.00 9,832.29 98.32290000%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 8,812,149.36
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 8,812,149.36
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 91,621.65
Payment of Interest and Principal 8,720,527.71
Total Withdrawals (Pool Distribution Amount) 8,812,149.36
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 89,649.38
Trustee Fee 1,972.27
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 91,621.65
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 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
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 0.000000% 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%
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 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%
<CAPTIon>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
2 - 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 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%
<CAPTIon>
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
3 - Mixed 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 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%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 0.00
COLLATERAL STATEMENT
Collateral Description Fixed
Weighted Average Gross Coupon 6.151025%
Weighted Average Pass-Through Rate 5.895525%
Weighted Average Maturity(Stepdown Calculation ) 255
Beginning Scheduled Collateral Loan Count 857
Number Of Loans Paid In Full 13
Ending Scheduled Collateral Loan Count 844
Beginning Scheduled Collateral Balance 430,317,144.00
Ending Scheduled Collateral Balance 423,710,741.55
Ending Actual Collateral Balance at 31-Oct-2004 424,142,764.49
Monthly P &I Constant 2,804,164.67
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 8,613,774.95
Class AP Deferred Amount 0.00
Scheduled Principal 598,421.38
Unscheduled Principal 6,007,984.65
Miscellaneous Reporting
Senior % 96.992709%
Subordinate % 3.007291%
Group Level Collateral Statement
Group 1- 30 Year Fixed 2 - 15 Year Fixed 3 - Mixed Fixed
Collateral Description Fixed 30 Year Fixed 15 Year Mixed Fixed
Weighted Average Coupon Rate 6.077390 5.537418 6.695596
Weighted Average Net Rate 5.827390 5.287419 6.445596
Weighted Average Maturity 358 178 315
Beginning Loan Count 543 94 220
Loans Paid In Full 3 1 9
Ending Loan Count 540 93 211
Beginning Scheduled Balance 282,899,098.92 51,328,857.74 96,089,190.92
Ending scheduled Balance 281,226,485.03 50,360,102.42 92,124,154.10
Record Date 10/31/2004 10/31/2004 10/31/2004
Principal And Interest Constant 1,712,682.39 421,644.04 669,838.24
Scheduled Principal 279,942.26 184,786.25 133,692.87
Unscheduled Principal 1,392,671.63 783,969.07 3,831,343.95
Scheduled Interest 1,432,740.13 236,857.79 536,145.37
Servicing Fees 58,937.31 10,693.49 20,018.58
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 1,296.62 235.25 440.40
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 1,372,506.20 225,929.05 515,686.39
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 5.821890 5.281918 6.440096
Group Level Collateral Statement
Group Total
Collateral Description Fixed
Weighted Average Coupon Rate 6.151025
Weighted Average Net Rate 5.901025
Weighted Average Maturity 255
Beginning Loan Count 857
Loans Paid In Full 13
Ending Loan Count 844
Beginning Scheduled Balance 430,317,147.58
Ending scheduled Balance 423,710,741.55
Record Date 10/31/2004
Principal And Interest Constant 2,804,164.67
Scheduled Principal 598,421.38
Unscheduled Principal 6,007,984.65
Scheduled Interest 2,205,743.29
Servicing Fees 89,649.38
Master Servicing Fees 0.00
Trustee Fee 1,972.27
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 2,114,121.64
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 5.895525
Miscellaneous Reporting
Group 1- 30 Year Fixed
CPR 5.755618%
Subordinate % 3.251940%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.748060%
Group 2 - 15 Year Fixed
CPR 16.920156%
Subordinate % 2.509621%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 10000.000000%
Senior % 97.490379%
Group 3 - Mixed Fixed
CPR 38.674120%
Subordinate % 2.544313%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.455687%