UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington D. C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): December 27, 2004
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2004-6 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 December 27, 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
December 27, 2004 distribution.
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
BANC OF AMERICA ALTERNATIVE LOAN TRUST
Mortgage Pass-Through Certificates, Series 2004-6 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: 12/27/2004
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 December 27, 2004 distribution.
EX-99.1
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Record Date: 11/30/2004
Distribution Date: 12/27/2004
Banc of America Alternative Loan Trust
Mortgage Pass-Through Certificates
Series 2004-6
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% 157,479,826.10 787,399.13 1,934,899.36
1-A-R 05948KSE0 SEN 6.00000% 0.00 0.15 0.00
1-A-LR 05948KSF7 SEN 6.00000% 0.00 0.00 0.00
2-A-1 05948KSG5 SEN 6.00000% 90,449,471.90 452,247.36 1,241,589.99
CB-IO 05948KSH3 SEN 6.00000% 0.00 4,429.34 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% 27,677,209.28 138,386.05 790,227.19
3-A-3 05948KSL4 SEN 6.00000% 2,376,532.40 11,882.66 (11,882.66)
3-IO 05948KSM2 SEN 6.00000% 0.00 1,056.15 0.00
4-A-1 05948KSN0 SEN 5.00000% 111,252,142.79 463,550.59 1,143,580.44
4-IO 05948KSP5 SEN 5.00000% 0.00 16,473.39 0.00
X-PO 05948KSQ3 SEN 0.00000% 14,817,602.66 0.00 147,074.26
15-PO 05948KSR1 SEN 0.00000% 2,915,089.23 0.00 25,184.36
4-B-1 05948KSV2 SUB 5.00000% 1,546,569.64 6,444.04 6,009.84
4-B-2 05948KSW0 SUB 5.00000% 237,480.87 989.50 922.83
4-B-3 05948KSX8 SUB 5.00000% 357,202.63 1,488.34 1,388.06
4-B-4 05948KTB5 SUB 5.00000% 178,601.32 744.17 694.03
4-B-5 05948KTC3 SUB 5.00000% 118,740.44 494.75 461.42
4-B-6 05948KTD1 SUB 5.00000% 178,686.76 744.53 694.36
30-B-1 05948KSS9 SUB 6.00000% 5,953,394.14 29,766.97 6,249.45
30-B-2 05948KST7 SUB 6.00000% 2,896,111.36 14,480.56 3,040.13
30-B-3 05948KSU4 SUB 6.00000% 1,608,729.67 8,043.65 1,688.73
30-B-4 05948KSY6 SUB 6.00000% 1,608,729.67 8,043.65 1,688.73
30-B-5 05948KSZ3 SUB 6.00000% 1,126,210.26 5,631.05 1,182.21
30-B-6 05948KTA7 SUB 6.00000% 1,287,082.20 6,435.41 1,351.09
Totals 427,851,413.32 1,977,661.44 5,296,043.82
Certificateholder Distribution Summary (continued)
Current Ending Cumulative
Realized Certificate Total Realized
Class Loss Balance Distribution Losses
<s> <c> <c> <c> <c>
1-A-1 0.00 155,544,926.74 2,722,298.49 0.00
1-A-R 0.00 0.00 0.15 0.00
1-A-LR 0.00 0.00 0.00 0.00
2-A-1 0.00 89,207,881.91 1,693,837.35 0.00
CB-IO 0.00 0.00 4,429.34 0.00
3-A-1 0.00 3,786,000.00 18,930.00 0.00
3-A-2 0.00 26,886,982.09 928,613.24 0.00
3-A-3 0.00 2,388,415.07 0.00 0.00
3-IO 0.00 0.00 1,056.15 0.00
4-A-1 0.00 110,108,562.35 1,607,131.03 0.00
4-IO 0.00 0.00 16,473.39 0.00
X-PO 0.00 14,670,528.40 147,074.26 0.00
15-PO 0.00 2,889,904.87 25,184.36 0.00
4-B-1 0.00 1,540,559.81 12,453.88 0.00
4-B-2 0.00 236,558.04 1,912.33 0.00
4-B-3 0.00 355,814.57 2,876.40 0.00
4-B-4 0.00 177,907.29 1,438.20 0.00
4-B-5 0.00 118,279.02 956.17 0.00
4-B-6 0.00 177,992.40 1,438.89 0.00
30-B-1 0.00 5,947,144.70 36,016.42 0.00
30-B-2 0.00 2,893,071.23 17,520.69 0.00
30-B-3 0.00 1,607,040.94 9,732.38 0.00
30-B-4 0.00 1,607,040.94 9,732.38 0.00
30-B-5 0.00 1,125,028.04 6,813.26 0.00
30-B-6 0.00 1,285,731.11 7,786.50 0.00
Totals 0.00 422,555,369.52 7,273,705.26 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-1 165,409,000.00 157,479,826.10 165,620.96 1,769,278.40 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 90,449,471.90 95,080.11 1,146,509.89 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 27,677,209.28 35,601.50 754,625.68 0.00 0.00
3-A-3 2,318,000.00 2,376,532.40 0.00 0.00 (11,882.66) 0.00
3-IO 0.00 0.00 0.00 0.00 0.00 0.00
4-A-1 115,510,000.00 111,252,142.79 432,316.21 711,264.23 0.00 0.00
4-IO 0.00 0.00 0.00 0.00 0.00 0.00
X-PO 15,171,278.00 14,817,602.66 16,413.02 130,661.24 0.00 0.00
15-PO 3,012,942.00 2,915,089.23 11,753.29 13,431.06 0.00 0.00
4-B-1 1,576,000.00 1,546,569.64 6,009.84 0.00 0.00 0.00
4-B-2 242,000.00 237,480.87 922.83 0.00 0.00 0.00
4-B-3 364,000.00 357,202.63 1,388.06 0.00 0.00 0.00
4-B-4 182,000.00 178,601.32 694.03 0.00 0.00 0.00
4-B-5 121,000.00 118,740.44 461.42 0.00 0.00 0.00
4-B-6 182,087.00 178,686.76 694.36 0.00 0.00 0.00
30-B-1 5,984,000.00 5,953,394.14 6,249.45 0.00 0.00 0.00
30-B-2 2,911,000.00 2,896,111.36 3,040.13 0.00 0.00 0.00
30-B-3 1,617,000.00 1,608,729.67 1,688.73 0.00 0.00 0.00
30-B-4 1,617,000.00 1,608,729.67 1,688.73 0.00 0.00 0.00
30-B-5 1,132,000.00 1,126,210.26 1,182.21 0.00 0.00 0.00
30-B-6 1,293,698.43 1,287,082.20 1,351.09 0.00 0.00 0.00
Totals 444,606,105.43 427,851,413.32 782,155.97 4,525,770.50 (11,882.66) 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 1,934,899.36 155,544,926.74 0.94036556 1,934,899.36
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 1,241,589.99 89,207,881.91 0.95027357 1,241,589.99
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-2 790,227.19 26,886,982.09 0.95003647 790,227.19
3-A-3 (11,882.66) 2,388,415.07 1.03037751 (11,882.66)
3-IO 0.00 0.00 0.00000000 0.00
4-A-1 1,143,580.44 110,108,562.35 0.95323835 1,143,580.44
4-IO 0.00 0.00 0.00000000 0.00
X-PO 147,074.26 14,670,528.40 0.96699358 147,074.26
15-PO 25,184.36 2,889,904.87 0.95916379 25,184.36
4-B-1 6,009.84 1,540,559.81 0.97751257 6,009.84
4-B-2 922.83 236,558.04 0.97751256 922.83
4-B-3 1,388.06 355,814.57 0.97751255 1,388.06
4-B-4 694.03 177,907.29 0.97751258 694.03
4-B-5 461.42 118,279.02 0.97751256 461.42
4-B-6 694.36 177,992.40 0.97751295 694.36
30-B-1 6,249.45 5,947,144.70 0.99384103 6,249.45
30-B-2 3,040.13 2,893,071.23 0.99384103 3,040.13
30-B-3 1,688.73 1,607,040.94 0.99384103 1,688.73
30-B-4 1,688.73 1,607,040.94 0.99384103 1,688.73
30-B-5 1,182.21 1,125,028.04 0.99384102 1,182.21
30-B-6 1,351.09 1,285,731.11 0.99384144 1,351.09
Totals 5,296,043.82 422,555,369.52 0.95040388 5,296,043.82
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-1 165,409,000.00 952.06322570 1.00128143 10.69638532 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 93,876,000.00 963.49942371 1.01282660 12.21302452 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 28,301,000.00 977.95870393 1.25795908 26.66427617 0.00000000
3-A-3 2,318,000.00 1025.25125108 0.00000000 0.00000000 (5.12625539)
3-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 115,510,000.00 963.13862687 3.74267345 6.15759874 0.00000000
4-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 15,171,278.00 976.68783474 1.08184821 8.61240826 0.00000000
15-PO 3,012,942.00 967.52251786 3.90093470 4.45778910 0.00000000
4-B-1 1,576,000.00 981.32591371 3.81335025 0.00000000 0.00000000
4-B-2 242,000.00 981.32590909 3.81334711 0.00000000 0.00000000
4-B-3 364,000.00 981.32590659 3.81335165 0.00000000 0.00000000
4-B-4 182,000.00 981.32593407 3.81335165 0.00000000 0.00000000
4-B-5 121,000.00 981.32595041 3.81338843 0.00000000 0.00000000
4-B-6 182,087.00 981.32628908 3.81334197 0.00000000 0.00000000
30-B-1 5,984,000.00 994.88538436 1.04435996 0.00000000 0.00000000
30-B-2 2,911,000.00 994.88538647 1.04435933 0.00000000 0.00000000
30-B-3 1,617,000.00 994.88538652 1.04435993 0.00000000 0.00000000
30-B-4 1,617,000.00 994.88538652 1.04435993 0.00000000 0.00000000
30-B-5 1,132,000.00 994.88538869 1.04435512 0.00000000 0.00000000
30-B-6 1,293,698.43 994.88580194 1.04436240 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 11.69766675 940.36555895 0.94036556 11.69766675
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 13.22585102 950.27357269 0.95027357 13.22585102
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 27.92223561 950.03646832 0.95003647 27.92223561
3-A-3 0.00000000 (5.12625539) 1,030.37751079 1.03037751 (5.12625539)
3-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
4-A-1 0.00000000 9.90027218 953.23835469 0.95323835 9.90027218
4-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
X-PO 0.00000000 9.69425648 966.99357826 0.96699358 9.69425648
15-PO 0.00000000 8.35872712 959.16379074 0.95916379 8.35872712
4-B-1 0.00000000 3.81335025 977.51256980 0.97751257 3.81335025
4-B-2 0.00000000 3.81334711 977.51256198 0.97751256 3.81334711
4-B-3 0.00000000 3.81335165 977.51255495 0.97751255 3.81335165
4-B-4 0.00000000 3.81335165 977.51258242 0.97751258 3.81335165
4-B-5 0.00000000 3.81338843 977.51256198 0.97751256 3.81338843
4-B-6 0.00000000 3.81334197 977.51294711 0.97751295 3.81334197
30-B-1 0.00000000 1.04435996 993.84102607 0.99384103 1.04435996
30-B-2 0.00000000 1.04435933 993.84102714 0.99384103 1.04435933
30-B-3 0.00000000 1.04435993 993.84102659 0.99384103 1.04435993
30-B-4 0.00000000 1.04435993 993.84102659 0.99384103 1.04435993
30-B-5 0.00000000 1.04435512 993.84102473 0.99384102 1.04435512
30-B-6 0.00000000 1.04436240 993.84143954 0.99384144 1.04436240
<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% 157,479,826.10 787,399.13 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% 90,449,471.90 452,247.36 0.00 0.00
CB-IO 0.00 6.00000% 885,868.97 4,429.34 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% 27,677,209.28 138,386.05 0.00 0.00
3-A-3 2,318,000.00 6.00000% 2,376,532.40 11,882.66 0.00 0.00
3-IO 0.00 6.00000% 211,230.80 1,056.15 0.00 0.00
4-A-1 115,510,000.00 5.00000% 111,252,142.79 463,550.59 0.00 0.00
4-IO 0.00 5.00000% 3,953,614.61 16,473.39 0.00 0.00
X-PO 15,171,278.00 0.00000% 14,817,602.66 0.00 0.00 0.00
15-PO 3,012,942.00 0.00000% 2,915,089.23 0.00 0.00 0.00
4-B-1 1,576,000.00 5.00000% 1,546,569.64 6,444.04 0.00 0.00
4-B-2 242,000.00 5.00000% 237,480.87 989.50 0.00 0.00
4-B-3 364,000.00 5.00000% 357,202.63 1,488.34 0.00 0.00
4-B-4 182,000.00 5.00000% 178,601.32 744.17 0.00 0.00
4-B-5 121,000.00 5.00000% 118,740.44 494.75 0.00 0.00
4-B-6 182,087.00 5.00000% 178,686.76 744.53 0.00 0.00
30-B-1 5,984,000.00 6.00000% 5,953,394.14 29,766.97 0.00 0.00
30-B-2 2,911,000.00 6.00000% 2,896,111.36 14,480.56 0.00 0.00
30-B-3 1,617,000.00 6.00000% 1,608,729.67 8,043.65 0.00 0.00
30-B-4 1,617,000.00 6.00000% 1,608,729.67 8,043.65 0.00 0.00
30-B-5 1,132,000.00 6.00000% 1,126,210.26 5,631.05 0.00 0.00
30-B-6 1,293,698.43 6.00000% 1,287,082.20 6,435.41 0.00 0.00
Totals 444,606,105.43 1,977,661.29 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 0.00 787,399.13 0.00 155,544,926.74
1-A-R 0.00 0.00 0.15 0.00 0.00
1-A-LR 0.00 0.00 0.00 0.00 0.00
2-A-1 0.00 0.00 452,247.36 0.00 89,207,881.91
CB-IO 0.00 0.00 4,429.34 0.00 868,620.22
3-A-1 0.00 0.00 18,930.00 0.00 3,786,000.00
3-A-2 0.00 0.00 138,386.05 0.00 26,886,982.09
3-A-3 0.00 0.00 11,882.66 0.00 2,388,415.07
3-IO 0.00 0.00 1,056.15 0.00 211,038.19
4-A-1 0.00 0.00 463,550.59 0.00 110,108,562.35
4-IO 0.00 0.00 16,473.39 0.00 3,924,494.13
X-PO 0.00 0.00 0.00 0.00 14,670,528.40
15-PO 0.00 0.00 0.00 0.00 2,889,904.87
4-B-1 0.00 0.00 6,444.04 0.00 1,540,559.81
4-B-2 0.00 0.00 989.50 0.00 236,558.04
4-B-3 0.00 0.00 1,488.34 0.00 355,814.57
4-B-4 0.00 0.00 744.17 0.00 177,907.29
4-B-5 0.00 0.00 494.75 0.00 118,279.02
4-B-6 0.00 0.00 744.53 0.00 177,992.40
30-B-1 0.00 0.00 29,766.97 0.00 5,947,144.70
30-B-2 0.00 0.00 14,480.56 0.00 2,893,071.23
30-B-3 0.00 0.00 8,043.65 0.00 1,607,040.94
30-B-4 0.00 0.00 8,043.65 0.00 1,607,040.94
30-B-5 0.00 0.00 5,631.05 0.00 1,125,028.04
30-B-6 0.00 0.00 6,435.41 0.00 1,285,731.11
Totals 0.00 0.00 1,977,661.44 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% 952.06322570 4.76031613 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% 963.49942371 4.81749712 0.00000000 0.00000000
CB-IO 0.00 6.00000% 869.86192739 4.34930487 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% 977.95870393 4.88979365 0.00000000 0.00000000
3-A-3 2,318,000.00 6.00000% 1025.25125108 5.12625539 0.00000000 0.00000000
3-IO 0.00 6.00000% 995.39649127 4.97696361 0.00000000 0.00000000
4-A-1 115,510,000.00 5.00000% 963.13862687 4.01307757 0.00000000 0.00000000
4-IO 0.00 5.00000% 959.27079510 3.99696063 0.00000000 0.00000000
X-PO 15,171,278.00 0.00000% 976.68783474 0.00000000 0.00000000 0.00000000
15-PO 3,012,942.00 0.00000% 967.52251786 0.00000000 0.00000000 0.00000000
4-B-1 1,576,000.00 5.00000% 981.32591371 4.08885787 0.00000000 0.00000000
4-B-2 242,000.00 5.00000% 981.32590909 4.08884298 0.00000000 0.00000000
4-B-3 364,000.00 5.00000% 981.32590659 4.08884615 0.00000000 0.00000000
4-B-4 182,000.00 5.00000% 981.32593407 4.08884615 0.00000000 0.00000000
4-B-5 121,000.00 5.00000% 981.32595041 4.08884298 0.00000000 0.00000000
4-B-6 182,087.00 5.00000% 981.32628908 4.08886961 0.00000000 0.00000000
30-B-1 5,984,000.00 6.00000% 994.88538436 4.97442680 0.00000000 0.00000000
30-B-2 2,911,000.00 6.00000% 994.88538647 4.97442803 0.00000000 0.00000000
30-B-3 1,617,000.00 6.00000% 994.88538652 4.97442795 0.00000000 0.00000000
30-B-4 1,617,000.00 6.00000% 994.88538652 4.97442795 0.00000000 0.00000000
30-B-5 1,132,000.00 6.00000% 994.88538869 4.97442580 0.00000000 0.00000000
30-B-6 1,293,698.43 6.00000% 994.88580194 4.97442824 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 4.76031613 0.00000000 940.36555895
1-A-R 0.00000000 0.00000000 3.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 4.81749712 0.00000000 950.27357269
CB-IO 0.00000000 0.00000000 4.34930487 0.00000000 852.92485043
3-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
3-A-2 0.00000000 0.00000000 4.88979365 0.00000000 950.03646832
3-A-3 0.00000000 0.00000000 5.12625539 0.00000000 1030.37751079
3-IO 0.00000000 0.00000000 4.97696361 0.00000000 994.48884277
4-A-1 0.00000000 0.00000000 4.01307757 0.00000000 953.23835469
4-IO 0.00000000 0.00000000 3.99696063 0.00000000 952.20525413
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 966.99357826
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 959.16379074
4-B-1 0.00000000 0.00000000 4.08885787 0.00000000 977.51256980
4-B-2 0.00000000 0.00000000 4.08884298 0.00000000 977.51256198
4-B-3 0.00000000 0.00000000 4.08884615 0.00000000 977.51255495
4-B-4 0.00000000 0.00000000 4.08884615 0.00000000 977.51258242
4-B-5 0.00000000 0.00000000 4.08884298 0.00000000 977.51256198
4-B-6 0.00000000 0.00000000 4.08886961 0.00000000 977.51294711
30-B-1 0.00000000 0.00000000 4.97442680 0.00000000 993.84102607
30-B-2 0.00000000 0.00000000 4.97442803 0.00000000 993.84102714
30-B-3 0.00000000 0.00000000 4.97442795 0.00000000 993.84102659
30-B-4 0.00000000 0.00000000 4.97442795 0.00000000 993.84102659
30-B-5 0.00000000 0.00000000 4.97442580 0.00000000 993.84102473
30-B-6 0.00000000 0.00000000 4.97442824 0.00000000 993.84143954
<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% 554,321.56 543,075.72 0.00 0.00 87.38022393%
2-IO 6.00000% 331,547.42 325,544.50 0.00 0.00 82.02322192%
1-PO 0.00000% 0.00 0.00 9,060,328.91 9,004,776.73 96.58691386%
2-PO 0.00000% 0.00 0.00 4,022,610.07 3,990,331.12 97.66872880%
3-PO 0.00000% 0.00 0.00 1,724,988.45 1,665,828.91 95.04233755%
4-PO 0.00000% 0.00 0.00 9,675.23 9,591.64 95.91640000%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 7,364,801.93
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 7,364,801.93
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 91,096.67
Payment of Interest and Principal 7,273,705.26
Total Withdrawals (Pool Distribution Amount) 7,364,801.93
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 89,135.68
Trustee Fee - Wells Fargo Bank, N.A. 1,960.99
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 91,096.67
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 13 0 0 0 13
1,831,354.50 0.00 0.00 0.00 1,831,354.50
60 Days 2 0 0 0 2
148,159.00 0.00 0.00 0.00 148,159.00
90 Days 0 0 1 0 1
0.00 0.00 40,478.13 0.00 40,478.13
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 1 0 1
0.00 0.00 72,925.57 0.00 72,925.57
180+ Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 15 0 2 0 17
1,979,513.50 0.00 113,403.70 0.00 2,092,917.20
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 0.431177% 0.000000% 0.000000% 0.000000% 0.431177%
0.432730% 0.000000% 0.000000% 0.000000% 0.432730%
60 Days 0.066335% 0.000000% 0.000000% 0.000000% 0.066335%
0.035008% 0.000000% 0.000000% 0.000000% 0.035008%
90 Days 0.000000% 0.000000% 0.033167% 0.000000% 0.033167%
0.000000% 0.000000% 0.009565% 0.000000% 0.009565%
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% 0.033167% 0.000000% 0.033167%
0.000000% 0.000000% 0.017232% 0.000000% 0.017232%
180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.497512% 0.000000% 0.066335% 0.000000% 0.563847%
0.467738% 0.000000% 0.026796% 0.000000% 0.494534%
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 5 0 0 0 5
382,366.05 0.00 0.00 0.00 382,366.05
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 1 0 1
0.00 0.00 40,478.13 0.00 40,478.13
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 1 0 6
382,366.05 0.00 40,478.13 0.00 422,844.18
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.382263% 0.000000% 0.000000% 0.000000% 0.382263%
0.221167% 0.000000% 0.000000% 0.000000% 0.221167%
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% 0.076453% 0.000000% 0.076453%
0.000000% 0.000000% 0.023413% 0.000000% 0.023413%
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 0.382263% 0.000000% 0.076453% 0.000000% 0.458716%
0.221167% 0.000000% 0.023413% 0.000000% 0.244580%
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
858,277.93 0.00 0.00 0.00 858,277.93
60 Days 1 0 0 0 1
97,119.35 0.00 0.00 0.00 97,119.35
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 1 0 1
0.00 0.00 72,925.57 0.00 72,925.57
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 6 0 1 0 7
955,397.28 0.00 72,925.57 0.00 1,028,322.85
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.787402% 0.000000% 0.000000% 0.000000% 0.787402%
0.876977% 0.000000% 0.000000% 0.000000% 0.876977%
60 Days 0.157480% 0.000000% 0.000000% 0.000000% 0.157480%
0.099235% 0.000000% 0.000000% 0.000000% 0.099235%
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% 0.157480% 0.000000% 0.157480%
0.000000% 0.000000% 0.074514% 0.000000% 0.074514%
180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000% 0.000000%
Totals 0.944882% 0.000000% 0.157480% 0.000000% 1.102362%
0.976213% 0.000000% 0.074514% 0.000000% 1.050727%
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 1 0 0 0 1
501,508.20 0.00 0.00 0.00 501,508.20
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 1 0 0 0 1
501,508.20 0.00 0.00 0.00 501,508.20
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 1.315789% 0.000000% 0.000000% 0.000000% 1.315789%
1.375686% 0.000000% 0.000000% 0.000000% 1.375686%
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 1.315789% 0.000000% 0.000000% 0.000000% 1.315789%
1.375686% 0.000000% 0.000000% 0.000000% 1.375686%
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 2 0 0 0 2
89,202.32 0.00 0.00 0.00 89,202.32
60 Days 1 0 0 0 1
51,039.65 0.00 0.00 0.00 51,039.65
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 3 0 0 0 3
140,241.97 0.00 0.00 0.00 140,241.97
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.200803% 0.000000% 0.000000% 0.000000% 0.200803%
0.076898% 0.000000% 0.000000% 0.000000% 0.076898%
60 Days 0.100402% 0.000000% 0.000000% 0.000000% 0.100402%
0.043999% 0.000000% 0.000000% 0.000000% 0.043999%
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 0.301205% 0.000000% 0.000000% 0.000000% 0.301205%
0.120897% 0.000000% 0.000000% 0.000000% 0.120897%
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 5.802270%
Weighted Average Net Coupon 5.552271%
Weighted Average Pass-Through Rate 5.546770%
Weighted Average Maturity (Stepdown Calculation) 352
Beginning Scheduled Collateral Loan Count 3,041
Number Of Loans Paid In Full 26
Ending Scheduled Collateral Loan Count 3,015
Beginning Scheduled Collateral Balance 427,851,412.97
Ending Scheduled Collateral Balance 422,555,369.17
Ending Actual Collateral Balance at 30-Nov-2004 423,209,697.27
Monthly P &I Constant 2,850,378.66
Special Servicing Fee 0.00
Prepayment Penalties 0.00
Realized Loss Amount 0.00
Cumulative Realized Loss 0.00
Scheduled Principal 781,620.62
Unscheduled Principal 4,514,423.18
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 5.963418 6.031947 6.011742
Weighted Average Net Rate 5.713418 5.781947 5.761742
Weighted Average Maturity 352 352 353
Beginning Loan Count 1,322 640 78
Loans Paid In Full 14 5 2
Ending Loan Count 1,308 635 76
Beginning Scheduled Balance 174,731,850.31 99,064,798.20 37,260,575.37
Ending scheduled Balance 172,732,783.59 97,786,101.40 36,421,314.00
Record Date 11/30/2004 11/30/2004 11/30/2004
Principal And Interest Constant 1,052,535.59 602,396.56 225,370.75
Scheduled Principal 184,203.07 104,435.22 38,703.29
Unscheduled Principal 1,814,863.65 1,174,261.58 800,558.08
Scheduled Interest 868,332.52 497,961.34 186,667.46
Servicing Fees 36,402.46 20,638.49 7,762.62
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 800.86 454.06 170.77
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 831,129.20 476,868.79 178,734.07
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 5.707918 5.776447 5.756242
Group Level Collateral Statement
Group 1 - 15 Year Fixed Total
Collateral Description Fixed 30 Year Fixed
Weighted Average Coupon Rate 5.299545 5.802270
Weighted Average Net Rate 5.049545 5.552271
Weighted Average Maturity 173 352
Beginning Loan Count 1,001 3,041
Loans Paid In Full 5 26
Ending Loan Count 996 3,015
Beginning Scheduled Balance 116,794,189.09 427,851,412.97
Ending scheduled Balance 115,615,170.18 422,555,369.17
Record Date 11/30/2004 11/30/2004
Principal And Interest Constant 970,075.76 2,850,378.66
Scheduled Principal 454,279.04 781,620.62
Unscheduled Principal 724,739.87 4,514,423.18
Scheduled Interest 515,796.72 2,068,758.04
Servicing Fees 24,332.11 89,135.68
Master Servicing Fees 0.00 0.00
Trustee Fee 535.30 1,960.99
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 490,929.31 1,977,661.37
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
Pass-Through Rate 5.044045 5.546770
Miscellaneous Reporting
Group 1 - 30 Year Fixed
CPR 11.787675%
Subordinate Percenatge 4.944540%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.055460%
Group 1 - 30 Year Fixed
CPR 13.345679%
Subordinate Percenatge 4.832303%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.167697%
Group 1 - 30 Year Fixed
CPR 22.964878%
Subordinate Percenatge 4.772243%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 95.227757%
Miscellaneous Reporting
Group 1 - 15 Year Fixed
CPR 7.224524%
Subordinate Percenatge 2.298494%
Subordinate Prepayment Percentage 0.000000%
Senior Prepayment Percentage 100.000000%
Senior Percentage 97.701506%