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 MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2004-8 Trust
(Exact name of registrant as specified in its charter)
New York (governing law of 333-105940-46
Pooling and Servicing Agreement) (Commission 54-2161171
(State or other File Number) 54-2161172
jurisdiction 54-2161173
of Incorporation) IRS EIN
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
MORTGAGE SECURITIES, INC., Mortgage Pass-Through Certificates, Series 2004-8
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 2004-8 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 MORTGAGE SECURITIES, INC.
Mortgage Pass-Through Certificates, Series 2004-8 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: 12/29/04
INDEX TO EXHIBITS
Exhibit Number Description
EX-99.1 Monthly report distributed to holders of Mortgage
Pass-Through Certificates, Series 2004-8 Trust,
relating to the December 27, 2004 distribution.
EX-99.1
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Record Date: 11/30/04
Distribution Date: 12/27/04
Banc of America Mortgage Securities, Inc.
Mortgage Pass-Through Certificates
Series 2004-8
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 05949ASH4 SEN 5.50000% 15,812,794.89 72,475.31 3,965,031.12
1-A-2 05949ASJ0 SEN 6.00000% 15,034,453.99 75,172.27 3,769,863.48
1-A-3 05949ASK7 SEN 6.00000% 3,675,000.00 18,375.00 0.00
1-A-4 05949ASL5 SEN 6.00000% 6,426,000.00 32,130.00 0.00
1-A-5 05949ASM3 SEN 6.00000% 5,410,000.00 27,050.00 0.00
1-A-6 05949ASN1 SEN 6.00000% 6,639,000.00 33,195.00 0.00
1-A-7 05949ASP6 SEN 6.00000% 878,000.00 4,390.00 220,000.00
1-A-8 05949ASQ4 SEN 7.50000% 4,655,989.61 29,099.94 1,167,481.39
1-A-9 05949ASR2 SEN 6.00000% 0.00 119,274.84 0.00
1-A-10 05949ASS0 SEN 5.00000% 5,382,000.00 22,425.00 0.00
1-A-11 05949AST8 SEN 3.49000% 3,995,706.15 11,620.85 1,001,916.44
1-A-12 05949ASU5 SEN 127.79992% 133,190.29 14,184.76 33,397.24
1-A-13 05949ASV3 SEN 5.50000% 1,756,000.00 8,048.33 440,000.00
1-A-14 05949ASW1 SEN 3.39000% 8,784,886.05 24,817.30 2,202,795.07
1-A-15 05949ASX9 SEN 8.11000% 8,784,886.05 59,371.19 2,202,795.07
1-A-16 05949ASY7 SEN 4.75000% 59,995,050.21 237,480.41 463,458.27
1-A-17 05949ASZ4 SEN 6.00000% 1,109,000.00 5,545.00 0.00
1-A-18 05949ATA8 SEN 5.25000% 62,736,000.00 274,470.00 0.00
1-A-19 05949ATB6 SEN 5.50000% 31,404,000.00 143,935.00 0.00
1-A-20 05949ATC4 SEN 6.00000% 9,862,000.00 49,310.00 0.00
1-A-R 05949ATD2 SEN 6.00000% 0.00 0.00 0.00
1-A-MR 05949ATE0 SEN 6.00000% 0.00 0.00 0.00
1-A-LR 05949AUQ1 SEN 6.00000% 0.00 7.10 0.00
2-A-1 05949ATG5 SEN 6.00000% 6,500,000.00 32,500.00 0.00
2-A-2 05949ATH3 SEN 6.00000% 33,568,734.34 167,843.67 3,889,654.13
2-A-3 05949ATJ9 SEN 6.00000% 6,095,000.00 30,475.00 0.00
2-A-4 05949ATK6 SEN 6.00000% 874,772.64 4,373.86 73,706.41
3-A-1 05949ATL4 SEN 5.25000% 63,794,399.69 279,100.50 1,636,801.31
4-A-1 05949ATM2 SEN 5.50000% 20,705,766.52 94,901.43 50,150.74
5-A-1 05949ATN0 SEN 6.50000% 93,374,023.63 505,775.96 6,060,835.62
5-PO 05949ATQ3 PO 0.00000% 1,893,760.01 0.00 47,883.48
X-PO 05949ATR1 PO 0.00000% 4,619,853.51 0.00 154,235.13
15-PO 05949ATS9 PO 0.00000% 656,654.31 0.00 3,398.26
2-B-1 05949ATX8 SUB 6.00000% 1,238,610.23 6,193.05 1,264.93
2-B-2 05949ATY6 SUB 6.00000% 353,318.31 1,766.59 360.83
2-B-3 05949ATZ3 SUB 6.00000% 202,609.09 1,013.05 206.91
2-B-4 05949AUJ7 SUB 6.00000% 151,707.30 758.54 154.93
2-B-5 05949AUK4 SUB 6.00000% 125,757.36 628.79 128.43
2-B-6 05949AUL2 SUB 6.00000% 76,827.79 384.14 78.46
X-B-1 05949ATU4 SUB 5.45163% 6,409,010.50 29,116.30 10,077.91
X-B-2 05949ATV2 SUB 5.45163% 1,647,860.38 7,486.27 2,591.19
X-B-3 05949ATW0 SUB 5.45163% 916,142.58 4,162.06 1,440.60
X-B-4 05949AUF5 SUB 5.45163% 732,714.69 3,328.74 1,152.16
X-B-5 05949AUG3 SUB 5.45163% 365,858.90 1,662.11 575.30
X-B-6 05949AUH1 SUB 5.45163% 549,916.83 2,498.29 864.72
5-B-1 05949AUA6 SUB 6.00000% 1,282,877.54 6,414.39 2,635.79
5-B-2 05949AUB4 SUB 6.00000% 214,144.93 1,070.72 439.98
5-B-3 05949AUC2 SUB 6.00000% 160,359.69 801.80 329.47
5-B-4 05949AUM0 SUB 6.50000% 106,574.45 577.28 218.97
5-B-5 05949AUN8 SUB 6.50000% 53,785.24 291.34 110.51
5-B-6 05949AUP3 SUB 6.50000% 107,276.79 581.08 220.41
1-B-IO 05949ATF7 IO 0.50000% 0.00 3,293.63 0.00
5-IO 05949ATP5 IO 6.50000% 0.00 8,401.19 0.00
5-B-IO 05949AUR9 IO 0.50000% 0.00 690.58 0.00
15-IO 05949ATT7 IO 5.25000% 0.00 9,482.86 0.00
20-IO 05949AUD0 IO 5.50000% 0.00 2,879.73 0.00
30-IO 05949AUE8 IO 6.00000% 0.00 17,209.39 0.00
Totals 499,252,274.49 2,488,039.64 27,406,254.66
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 11,847,763.77 4,037,506.43 0.00
1-A-2 0.00 11,264,590.51 3,845,035.75 0.00
1-A-3 0.00 3,675,000.00 18,375.00 0.00
1-A-4 0.00 6,426,000.00 32,130.00 0.00
1-A-5 0.00 5,410,000.00 27,050.00 0.00
1-A-6 0.00 6,639,000.00 33,195.00 0.00
1-A-7 0.00 658,000.00 224,390.00 0.00
1-A-8 0.00 3,488,508.22 1,196,581.33 0.00
1-A-9 0.00 0.00 119,274.84 0.00
1-A-10 0.00 5,382,000.00 22,425.00 0.00
1-A-11 0.00 2,993,789.71 1,013,537.29 0.00
1-A-12 0.00 99,793.06 47,582.00 0.00
1-A-13 0.00 1,316,000.00 448,048.33 0.00
1-A-14 0.00 6,582,090.99 2,227,612.37 0.00
1-A-15 0.00 6,582,090.99 2,262,166.26 0.00
1-A-16 0.00 59,531,591.94 700,938.68 0.00
1-A-17 0.00 1,109,000.00 5,545.00 0.00
1-A-18 0.00 62,736,000.00 274,470.00 0.00
1-A-19 0.00 31,404,000.00 143,935.00 0.00
1-A-20 0.00 9,862,000.00 49,310.00 0.00
1-A-R 0.00 0.00 0.00 0.00
1-A-MR 0.00 0.00 0.00 0.00
1-A-LR 0.00 0.00 7.10 0.00
2-A-1 0.00 6,500,000.00 32,500.00 0.00
2-A-2 0.00 29,679,080.21 4,057,497.80 0.00
2-A-3 0.00 6,095,000.00 30,475.00 0.00
2-A-4 0.00 801,066.23 78,080.27 0.00
3-A-1 0.00 62,157,598.38 1,915,901.81 0.00
4-A-1 0.00 20,655,615.78 145,052.17 0.00
5-A-1 0.00 87,313,188.01 6,566,611.58 0.00
5-PO 0.00 1,845,876.53 47,883.48 0.00
X-PO 0.00 4,465,618.38 154,235.13 0.00
15-PO 0.00 653,256.05 3,398.26 0.00
2-B-1 0.00 1,237,345.30 7,457.98 0.00
2-B-2 0.00 352,957.48 2,127.42 0.00
2-B-3 0.00 202,402.17 1,219.96 0.00
2-B-4 0.00 151,552.37 913.47 0.00
2-B-5 0.00 125,628.93 757.22 0.00
2-B-6 0.00 76,749.33 462.60 0.00
X-B-1 0.00 6,398,932.59 39,194.21 0.00
X-B-2 0.00 1,645,269.18 10,077.46 0.00
X-B-3 0.00 914,701.98 5,602.66 0.00
X-B-4 0.00 731,562.52 4,480.90 0.00
X-B-5 0.00 365,283.60 2,237.41 0.00
X-B-6 0.00 549,052.10 3,363.01 0.00
5-B-1 0.00 1,280,241.75 9,050.18 0.00
5-B-2 0.00 213,704.95 1,510.70 0.00
5-B-3 0.00 160,030.22 1,131.27 0.00
5-B-4 0.00 106,355.49 796.25 0.00
5-B-5 0.00 53,674.73 401.85 0.00
5-B-6 0.00 107,056.38 801.49 0.00
1-B-IO 0.00 0.00 3,293.63 0.00
5-IO 0.00 0.00 8,401.19 0.00
5-B-IO 0.00 0.00 690.58 0.00
15-IO 0.00 0.00 9,482.86 0.00
20-IO 0.00 0.00 2,879.73 0.00
30-IO 0.00 0.00 17,209.39 0.00
Totals 0.00 471,846,019.83 29,894,294.30 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 18,000,000.00 15,812,794.89 62,816.66 3,902,214.46 0.00 0.00
1-A-2 17,114,000.00 15,034,453.99 59,724.69 3,710,138.79 0.00 0.00
1-A-3 3,675,000.00 3,675,000.00 0.00 0.00 0.00 0.00
1-A-4 6,426,000.00 6,426,000.00 0.00 0.00 0.00 0.00
1-A-5 5,410,000.00 5,410,000.00 0.00 0.00 0.00 0.00
1-A-6 6,639,000.00 6,639,000.00 0.00 0.00 0.00 0.00
1-A-7 1,000,000.00 878,000.00 3,485.39 216,514.61 0.00 0.00
1-A-8 5,300,000.00 4,655,989.61 18,496.02 1,148,985.37 0.00 0.00
1-A-9 0.00 0.00 0.00 0.00 0.00 0.00
1-A-10 5,382,000.00 5,382,000.00 0.00 0.00 0.00 0.00
1-A-11 4,548,387.00 3,995,706.15 15,873.03 986,043.42 0.00 0.00
1-A-12 151,613.00 133,190.29 529.10 32,868.14 0.00 0.00
1-A-13 2,000,000.00 1,756,000.00 6,970.77 433,029.23 0.00 0.00
1-A-14 10,000,000.00 8,784,886.05 34,898.15 2,167,896.92 0.00 0.00
1-A-15 10,000,000.00 8,784,886.05 34,898.15 2,167,896.92 0.00 0.00
1-A-16 60,750,000.00 59,995,050.21 7,342.41 456,115.86 0.00 0.00
1-A-17 1,109,000.00 1,109,000.00 0.00 0.00 0.00 0.00
1-A-18 62,736,000.00 62,736,000.00 0.00 0.00 0.00 0.00
1-A-19 31,404,000.00 31,404,000.00 0.00 0.00 0.00 0.00
1-A-20 9,862,000.00 9,862,000.00 0.00 0.00 0.00 0.00
1-A-R 50.00 0.00 0.00 0.00 0.00 0.00
1-A-MR 25.00 0.00 0.00 0.00 0.00 0.00
1-A-LR 25.00 0.00 0.00 0.00 0.00 0.00
2-A-1 6,500,000.00 6,500,000.00 0.00 0.00 0.00 0.00
2-A-2 34,214,000.00 33,568,734.34 47,144.54 3,842,509.60 0.00 0.00
2-A-3 6,095,000.00 6,095,000.00 0.00 0.00 0.00 0.00
2-A-4 887,000.00 874,772.64 893.36 72,813.05 0.00 0.00
3-A-1 68,628,000.00 63,794,399.69 233,045.54 1,403,755.77 0.00 0.00
4-A-1 22,014,000.00 20,705,766.52 47,654.13 2,496.61 0.00 0.00
5-A-1 103,380,000.00 93,374,023.63 191,845.17 5,868,990.45 0.00 0.00
5-PO 2,049,759.00 1,893,760.01 4,192.44 43,691.03 0.00 0.00
X-PO 4,730,275.00 4,619,853.51 5,080.79 149,154.34 0.00 0.00
15-PO 662,400.00 656,654.31 2,527.79 870.47 0.00 0.00
2-B-1 1,241,000.00 1,238,610.23 1,264.93 0.00 0.00 0.00
2-B-2 354,000.00 353,318.31 360.83 0.00 0.00 0.00
2-B-3 203,000.00 202,609.09 206.91 0.00 0.00 0.00
2-B-4 152,000.00 151,707.30 154.93 0.00 0.00 0.00
2-B-5 126,000.00 125,757.36 128.43 0.00 0.00 0.00
2-B-6 76,976.00 76,827.79 78.46 0.00 0.00 0.00
X-B-1 6,429,000.00 6,409,010.50 10,077.91 0.00 0.00 0.00
X-B-2 1,653,000.00 1,647,860.38 2,591.19 0.00 0.00 0.00
X-B-3 919,000.00 916,142.58 1,440.60 0.00 0.00 0.00
X-B-4 735,000.00 732,714.69 1,152.16 0.00 0.00 0.00
X-B-5 367,000.00 365,858.90 575.30 0.00 0.00 0.00
X-B-6 551,632.00 549,916.83 864.72 0.00 0.00 0.00
5-B-1 1,288,000.00 1,282,877.54 2,635.79 0.00 0.00 0.00
5-B-2 215,000.00 214,144.93 439.98 0.00 0.00 0.00
5-B-3 161,000.00 160,359.69 329.47 0.00 0.00 0.00
5-B-4 107,000.00 106,574.45 218.97 0.00 0.00 0.00
5-B-5 54,000.00 53,785.24 110.51 0.00 0.00 0.00
5-B-6 107,705.00 107,276.79 220.41 0.00 0.00 0.00
1-B-IO 0.00 0.00 0.00 0.00 0.00 0.00
5-IO 0.00 0.00 0.00 0.00 0.00 0.00
5-B-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
20-IO 0.00 0.00 0.00 0.00 0.00 0.00
30-IO 0.00 0.00 0.00 0.00 0.00 0.00
Totals 525,407,847.00 499,252,274.49 800,269.63 26,605,985.04 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 3,965,031.12 11,847,763.77 0.65820910 3,965,031.12
1-A-2 3,769,863.48 11,264,590.51 0.65820910 3,769,863.48
1-A-3 0.00 3,675,000.00 1.00000000 0.00
1-A-4 0.00 6,426,000.00 1.00000000 0.00
1-A-5 0.00 5,410,000.00 1.00000000 0.00
1-A-6 0.00 6,639,000.00 1.00000000 0.00
1-A-7 220,000.00 658,000.00 0.65800000 220,000.00
1-A-8 1,167,481.39 3,488,508.22 0.65820910 1,167,481.39
1-A-9 0.00 0.00 0.00000000 0.00
1-A-10 0.00 5,382,000.00 1.00000000 0.00
1-A-11 1,001,916.44 2,993,789.71 0.65820910 1,001,916.44
1-A-12 33,397.24 99,793.06 0.65820912 33,397.24
1-A-13 440,000.00 1,316,000.00 0.65800000 440,000.00
1-A-14 2,202,795.07 6,582,090.99 0.65820910 2,202,795.07
1-A-15 2,202,795.07 6,582,090.99 0.65820910 2,202,795.07
1-A-16 463,458.27 59,531,591.94 0.97994390 463,458.27
1-A-17 0.00 1,109,000.00 1.00000000 0.00
1-A-18 0.00 62,736,000.00 1.00000000 0.00
1-A-19 0.00 31,404,000.00 1.00000000 0.00
1-A-20 0.00 9,862,000.00 1.00000000 0.00
1-A-R 0.00 0.00 0.00000000 0.00
1-A-MR 0.00 0.00 0.00000000 0.00
1-A-LR 0.00 0.00 0.00000000 0.00
2-A-1 0.00 6,500,000.00 1.00000000 0.00
2-A-2 3,889,654.13 29,679,080.21 0.86745426 3,889,654.13
2-A-3 0.00 6,095,000.00 1.00000000 0.00
2-A-4 73,706.41 801,066.23 0.90311864 73,706.41
3-A-1 1,636,801.31 62,157,598.38 0.90571776 1,636,801.31
4-A-1 50,150.74 20,655,615.78 0.93829453 50,150.74
5-A-1 6,060,835.62 87,313,188.01 0.84458491 6,060,835.62
5-PO 47,883.48 1,845,876.53 0.90053344 47,883.48
X-PO 154,235.13 4,465,618.38 0.94405048 154,235.13
15-PO 3,398.26 653,256.05 0.98619573 3,398.26
2-B-1 1,264.93 1,237,345.30 0.99705504 1,264.93
2-B-2 360.83 352,957.48 0.99705503 360.83
2-B-3 206.91 202,402.17 0.99705502 206.91
2-B-4 154.93 151,552.37 0.99705507 154.93
2-B-5 128.43 125,628.93 0.99705500 128.43
2-B-6 78.46 76,749.33 0.99705532 78.46
X-B-1 10,077.91 6,398,932.59 0.99532316 10,077.91
X-B-2 2,591.19 1,645,269.18 0.99532316 2,591.19
X-B-3 1,440.60 914,701.98 0.99532316 1,440.60
X-B-4 1,152.16 731,562.52 0.99532316 1,152.16
X-B-5 575.30 365,283.60 0.99532316 575.30
X-B-6 864.72 549,052.10 0.99532315 864.72
5-B-1 2,635.79 1,280,241.75 0.99397651 2,635.79
5-B-2 439.98 213,704.95 0.99397651 439.98
5-B-3 329.47 160,030.22 0.99397652 329.47
5-B-4 218.97 106,355.49 0.99397654 218.97
5-B-5 110.51 53,674.73 0.99397648 110.51
5-B-6 220.41 107,056.38 0.99397781 220.41
1-B-IO 0.00 0.00 0.00000000 0.00
5-IO 0.00 0.00 0.00000000 0.00
5-B-IO 0.00 0.00 0.00000000 0.00
15-IO 0.00 0.00 0.00000000 0.00
20-IO 0.00 0.00 0.00000000 0.00
30-IO 0.00 0.00 0.00000000 0.00
Totals 27,406,254.66 471,846,019.83 0.89805667 27,406,254.66
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 18,000,000.00 878.48860500 3.48981444 216.78969222 0.00000000
1-A-2 17,114,000.00 878.48860524 3.48981477 216.78969206 0.00000000
1-A-3 3,675,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-4 6,426,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-5 5,410,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-6 6,639,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-7 1,000,000.00 878.00000000 3.48539000 216.51461000 0.00000000
1-A-8 5,300,000.00 878.48860566 3.48981509 216.78969245 0.00000000
1-A-9 0.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-10 5,382,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-11 4,548,387.00 878.48860486 3.48981518 216.78969270 0.00000000
1-A-12 151,613.00 878.48858607 3.48980628 216.78972120 0.00000000
1-A-13 2,000,000.00 878.00000000 3.48538500 216.51461500 0.00000000
1-A-14 10,000,000.00 878.48860500 3.48981500 216.78969200 0.00000000
1-A-15 10,000,000.00 878.48860500 3.48981500 216.78969200 0.00000000
1-A-16 60,750,000.00 987.57284296 0.12086272 7.50808000 0.00000000
1-A-17 1,109,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-18 62,736,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-19 31,404,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-20 9,862,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
1-A-R 50.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-MR 25.00 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 25.00 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 6,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
2-A-2 34,214,000.00 981.14030338 1.37793126 112.30810779 0.00000000
2-A-3 6,095,000.00 1000.00000000 0.00000000 0.00000000 0.00000000
2-A-4 887,000.00 986.21492672 1.00717024 82.08912063 0.00000000
3-A-1 68,628,000.00 929.56810180 3.39577927 20.45456330 0.00000000
4-A-1 22,014,000.00 940.57265922 2.16471927 0.11341010 0.00000000
5-A-1 103,380,000.00 903.21168147 1.85572809 56.77104324 0.00000000
5-PO 2,049,759.00 923.89398461 2.04533313 21.31520340 0.00000000
X-PO 4,730,275.00 976.65643329 1.07410034 31.53185386 0.00000000
15-PO 662,400.00 991.32595109 3.81610809 1.31411534 0.00000000
2-B-1 1,241,000.00 998.07431910 1.01928284 0.00000000 0.00000000
2-B-2 354,000.00 998.07432203 1.01929379 0.00000000 0.00000000
2-B-3 203,000.00 998.07433498 1.01926108 0.00000000 0.00000000
2-B-4 152,000.00 998.07434211 1.01927632 0.00000000 0.00000000
2-B-5 126,000.00 998.07428571 1.01928571 0.00000000 0.00000000
2-B-6 76,976.00 998.07459468 1.01927874 0.00000000 0.00000000
X-B-1 6,429,000.00 996.89072951 1.56757038 0.00000000 0.00000000
X-B-2 1,653,000.00 996.89073200 1.56756806 0.00000000 0.00000000
X-B-3 919,000.00 996.89072905 1.56757345 0.00000000 0.00000000
X-B-4 735,000.00 996.89073469 1.56756463 0.00000000 0.00000000
X-B-5 367,000.00 996.89073569 1.56757493 0.00000000 0.00000000
X-B-6 551,632.00 996.89073513 1.56756678 0.00000000 0.00000000
5-B-1 1,288,000.00 996.02293478 2.04642081 0.00000000 0.00000000
5-B-2 215,000.00 996.02293023 2.04641860 0.00000000 0.00000000
5-B-3 161,000.00 996.02291925 2.04639752 0.00000000 0.00000000
5-B-4 107,000.00 996.02289720 2.04644860 0.00000000 0.00000000
5-B-5 54,000.00 996.02296296 2.04648148 0.00000000 0.00000000
5-B-6 107,705.00 996.02423286 2.04642310 0.00000000 0.00000000
1-B-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
5-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
5-B-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
15-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
20-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000
30-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 220.27950667 658.20909833 0.65820910 220.27950667
1-A-2 0.00000000 220.27950684 658.20909840 0.65820910 220.27950684
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 220.00000000 658.00000000 0.65800000 220.00000000
1-A-8 0.00000000 220.27950755 658.20909811 0.65820910 220.27950755
1-A-9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-10 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-11 0.00000000 220.27950568 658.20909918 0.65820910 220.27950568
1-A-12 0.00000000 220.27952748 658.20912455 0.65820912 220.27952748
1-A-13 0.00000000 220.00000000 658.00000000 0.65800000 220.00000000
1-A-14 0.00000000 220.27950700 658.20909900 0.65820910 220.27950700
1-A-15 0.00000000 220.27950700 658.20909900 0.65820910 220.27950700
1-A-16 0.00000000 7.62894272 979.94390025 0.97994390 7.62894272
1-A-17 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-18 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-19 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-20 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-MR 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 0.00000000 1,000.00000000 1.00000000 0.00000000
2-A-2 0.00000000 113.68603876 867.45426463 0.86745426 113.68603876
2-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000
2-A-4 0.00000000 83.09629087 903.11863585 0.90311864 83.09629087
3-A-1 0.00000000 23.85034257 905.71775922 0.90571776 23.85034257
4-A-1 0.00000000 2.27812937 938.29452984 0.93829453 2.27812937
5-A-1 0.00000000 58.62677133 844.58491014 0.84458491 58.62677133
5-PO 0.00000000 23.36054141 900.53344320 0.90053344 23.36054141
X-PO 0.00000000 32.60595420 944.05047909 0.94405048 32.60595420
15-PO 0.00000000 5.13022343 986.19572766 0.98619573 5.13022343
2-B-1 0.00000000 1.01928284 997.05503626 0.99705504 1.01928284
2-B-2 0.00000000 1.01929379 997.05502825 0.99705503 1.01929379
2-B-3 0.00000000 1.01926108 997.05502463 0.99705502 1.01926108
2-B-4 0.00000000 1.01927632 997.05506579 0.99705507 1.01927632
2-B-5 0.00000000 1.01928571 997.05500000 0.99705500 1.01928571
2-B-6 0.00000000 1.01927874 997.05531594 0.99705532 1.01927874
X-B-1 0.00000000 1.56757038 995.32315912 0.99532316 1.56757038
X-B-2 0.00000000 1.56756806 995.32315789 0.99532316 1.56756806
X-B-3 0.00000000 1.56757345 995.32315560 0.99532316 1.56757345
X-B-4 0.00000000 1.56756463 995.32315646 0.99532316 1.56756463
X-B-5 0.00000000 1.56757493 995.32316076 0.99532316 1.56757493
X-B-6 0.00000000 1.56756678 995.32315022 0.99532315 1.56756678
5-B-1 0.00000000 2.04642081 993.97651398 0.99397651 2.04642081
5-B-2 0.00000000 2.04641860 993.97651163 0.99397651 2.04641860
5-B-3 0.00000000 2.04639752 993.97652174 0.99397652 2.04639752
5-B-4 0.00000000 2.04644860 993.97654206 0.99397654 2.04644860
5-B-5 0.00000000 2.04648148 993.97648148 0.99397648 2.04648148
5-B-6 0.00000000 2.04642310 993.97780976 0.99397781 2.04642310
1-B-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
5-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
5-B-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
15-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
20-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
30-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 18,000,000.00 5.50000% 15,812,794.89 72,475.31 0.00 0.00
1-A-2 17,114,000.00 6.00000% 15,034,453.99 75,172.27 0.00 0.00
1-A-3 3,675,000.00 6.00000% 3,675,000.00 18,375.00 0.00 0.00
1-A-4 6,426,000.00 6.00000% 6,426,000.00 32,130.00 0.00 0.00
1-A-5 5,410,000.00 6.00000% 5,410,000.00 27,050.00 0.00 0.00
1-A-6 6,639,000.00 6.00000% 6,639,000.00 33,195.00 0.00 0.00
1-A-7 1,000,000.00 6.00000% 878,000.00 4,390.00 0.00 0.00
1-A-8 5,300,000.00 7.50000% 4,655,989.61 29,099.94 0.00 0.00
1-A-9 0.00 6.00000% 23,854,968.79 119,274.84 0.00 0.00
1-A-10 5,382,000.00 5.00000% 5,382,000.00 22,425.00 0.00 0.00
1-A-11 4,548,387.00 3.49000% 3,995,706.15 11,620.85 0.00 0.00
1-A-12 151,613.00 127.79992% 133,190.29 14,184.76 0.00 0.00
1-A-13 2,000,000.00 5.50000% 1,756,000.00 8,048.33 0.00 0.00
1-A-14 10,000,000.00 3.39000% 8,784,886.05 24,817.30 0.00 0.00
1-A-15 10,000,000.00 8.11000% 8,784,886.05 59,371.19 0.00 0.00
1-A-16 60,750,000.00 4.75000% 59,995,050.21 237,480.41 0.00 0.00
1-A-17 1,109,000.00 6.00000% 1,109,000.00 5,545.00 0.00 0.00
1-A-18 62,736,000.00 5.25000% 62,736,000.00 274,470.00 0.00 0.00
1-A-19 31,404,000.00 5.50000% 31,404,000.00 143,935.00 0.00 0.00
1-A-20 9,862,000.00 6.00000% 9,862,000.00 49,310.00 0.00 0.00
1-A-R 50.00 6.00000% 0.00 0.00 0.00 0.00
1-A-MR 25.00 6.00000% 0.00 0.00 0.00 0.00
1-A-LR 25.00 6.00000% 0.00 0.00 0.00 0.00
2-A-1 6,500,000.00 6.00000% 6,500,000.00 32,500.00 0.00 0.00
2-A-2 34,214,000.00 6.00000% 33,568,734.34 167,843.67 0.00 0.00
2-A-3 6,095,000.00 6.00000% 6,095,000.00 30,475.00 0.00 0.00
2-A-4 887,000.00 6.00000% 874,772.64 4,373.86 0.00 0.00
3-A-1 68,628,000.00 5.25000% 63,794,399.69 279,100.50 0.00 0.00
4-A-1 22,014,000.00 5.50000% 20,705,766.52 94,901.43 0.00 0.00
5-A-1 103,380,000.00 6.50000% 93,374,023.63 505,775.96 0.00 0.00
5-PO 2,049,759.00 0.00000% 1,893,760.01 0.00 0.00 0.00
X-PO 4,730,275.00 0.00000% 4,619,853.51 0.00 0.00 0.00
15-PO 662,400.00 0.00000% 656,654.31 0.00 0.00 0.00
2-B-1 1,241,000.00 6.00000% 1,238,610.23 6,193.05 0.00 0.00
2-B-2 354,000.00 6.00000% 353,318.31 1,766.59 0.00 0.00
2-B-3 203,000.00 6.00000% 202,609.09 1,013.05 0.00 0.00
2-B-4 152,000.00 6.00000% 151,707.30 758.54 0.00 0.00
2-B-5 126,000.00 6.00000% 125,757.36 628.79 0.00 0.00
2-B-6 76,976.00 6.00000% 76,827.79 384.14 0.00 0.00
X-B-1 6,429,000.00 5.45163% 6,409,010.50 29,116.30 0.00 0.00
X-B-2 1,653,000.00 5.45163% 1,647,860.38 7,486.27 0.00 0.00
X-B-3 919,000.00 5.45163% 916,142.58 4,162.06 0.00 0.00
X-B-4 735,000.00 5.45163% 732,714.69 3,328.74 0.00 0.00
X-B-5 367,000.00 5.45163% 365,858.90 1,662.11 0.00 0.00
X-B-6 551,632.00 5.45163% 549,916.83 2,498.29 0.00 0.00
5-B-1 1,288,000.00 6.00000% 1,282,877.54 6,414.39 0.00 0.00
5-B-2 215,000.00 6.00000% 214,144.93 1,070.72 0.00 0.00
5-B-3 161,000.00 6.00000% 160,359.69 801.80 0.00 0.00
5-B-4 107,000.00 6.50000% 106,574.45 577.28 0.00 0.00
5-B-5 54,000.00 6.50000% 53,785.24 291.34 0.00 0.00
5-B-6 107,705.00 6.50000% 107,276.79 581.08 0.00 0.00
1-B-IO 0.00 0.50000% 7,904,718.53 3,293.63 0.00 0.00
5-IO 0.00 6.50000% 1,550,989.54 8,401.19 0.00 0.00
5-B-IO 0.00 0.50000% 1,657,382.16 690.58 0.00 0.00
15-IO 0.00 5.25000% 2,167,510.70 9,482.86 0.00 0.00
20-IO 0.00 5.50000% 628,305.03 2,879.73 0.00 0.00
30-IO 0.00 6.00000% 3,441,877.60 17,209.39 0.00 0.00
Totals 525,407,847.00 2,488,032.54 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 72,475.31 0.00 11,847,763.77
1-A-2 0.00 0.00 75,172.27 0.00 11,264,590.51
1-A-3 0.00 0.00 18,375.00 0.00 3,675,000.00
1-A-4 0.00 0.00 32,130.00 0.00 6,426,000.00
1-A-5 0.00 0.00 27,050.00 0.00 5,410,000.00
1-A-6 0.00 0.00 33,195.00 0.00 6,639,000.00
1-A-7 0.00 0.00 4,390.00 0.00 658,000.00
1-A-8 0.00 0.00 29,099.94 0.00 3,488,508.22
1-A-9 0.00 0.00 119,274.84 0.00 23,758,414.99
1-A-10 0.00 0.00 22,425.00 0.00 5,382,000.00
1-A-11 0.00 0.00 11,620.85 0.00 2,993,789.71
1-A-12 0.00 0.00 14,184.76 0.00 99,793.06
1-A-13 0.00 0.00 8,048.33 0.00 1,316,000.00
1-A-14 0.00 0.00 24,817.30 0.00 6,582,090.99
1-A-15 0.00 0.00 59,371.19 0.00 6,582,090.99
1-A-16 0.00 0.00 237,480.41 0.00 59,531,591.94
1-A-17 0.00 0.00 5,545.00 0.00 1,109,000.00
1-A-18 0.00 0.00 274,470.00 0.00 62,736,000.00
1-A-19 0.00 0.00 143,935.00 0.00 31,404,000.00
1-A-20 0.00 0.00 49,310.00 0.00 9,862,000.00
1-A-R 0.00 0.00 0.00 0.00 0.00
1-A-MR 0.00 0.00 0.00 0.00 0.00
1-A-LR 0.00 0.00 7.10 0.00 0.00
2-A-1 0.00 0.00 32,500.00 0.00 6,500,000.00
2-A-2 0.00 0.00 167,843.67 0.00 29,679,080.21
2-A-3 0.00 0.00 30,475.00 0.00 6,095,000.00
2-A-4 0.00 0.00 4,373.86 0.00 801,066.23
3-A-1 0.00 0.00 279,100.50 0.00 62,157,598.38
4-A-1 0.00 0.00 94,901.43 0.00 20,655,615.78
5-A-1 0.00 0.00 505,775.96 0.00 87,313,188.01
5-PO 0.00 0.00 0.00 0.00 1,845,876.53
X-PO 0.00 0.00 0.00 0.00 4,465,618.38
15-PO 0.00 0.00 0.00 0.00 653,256.05
2-B-1 0.00 0.00 6,193.05 0.00 1,237,345.30
2-B-2 0.00 0.00 1,766.59 0.00 352,957.48
2-B-3 0.00 0.00 1,013.05 0.00 202,402.17
2-B-4 0.00 0.00 758.54 0.00 151,552.37
2-B-5 0.00 0.00 628.79 0.00 125,628.93
2-B-6 0.00 0.00 384.14 0.00 76,749.33
X-B-1 0.00 0.00 29,116.30 0.00 6,398,932.59
X-B-2 0.00 0.00 7,486.27 0.00 1,645,269.18
X-B-3 0.00 0.00 4,162.06 0.00 914,701.98
X-B-4 0.00 0.00 3,328.74 0.00 731,562.52
X-B-5 0.00 0.00 1,662.11 0.00 365,283.60
X-B-6 0.00 0.00 2,498.29 0.00 549,052.10
5-B-1 0.00 0.00 6,414.39 0.00 1,280,241.75
5-B-2 0.00 0.00 1,070.72 0.00 213,704.95
5-B-3 0.00 0.00 801.80 0.00 160,030.22
5-B-4 0.00 0.00 577.28 0.00 106,355.49
5-B-5 0.00 0.00 291.34 0.00 53,674.73
5-B-6 0.00 0.00 581.08 0.00 107,056.38
1-B-IO 0.00 0.00 3,293.63 0.00 7,897,046.78
5-IO 0.00 0.00 8,401.19 0.00 1,455,718.15
5-B-IO 0.00 0.00 690.58 0.00 1,653,976.92
15-IO 0.00 0.00 9,482.86 0.00 2,147,614.39
20-IO 0.00 0.00 2,879.73 0.00 626,827.17
30-IO 0.00 0.00 17,209.39 0.00 2,951,381.98
Totals 0.00 0.00 2,488,039.64 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 18,000,000.00 5.50000% 878.48860500 4.02640611 0.00000000 0.00000000
1-A-2 17,114,000.00 6.00000% 878.48860524 4.39244303 0.00000000 0.00000000
1-A-3 3,675,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-4 6,426,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-5 5,410,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-6 6,639,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-7 1,000,000.00 6.00000% 878.00000000 4.39000000 0.00000000 0.00000000
1-A-8 5,300,000.00 7.50000% 878.48860566 5.49055472 0.00000000 0.00000000
1-A-9 0.00 6.00000% 993.44995950 4.96724963 0.00000000 0.00000000
1-A-10 5,382,000.00 5.00000% 1000.00000000 4.16666667 0.00000000 0.00000000
1-A-11 4,548,387.00 3.49000% 878.48860486 2.55493871 0.00000000 0.00000000
1-A-12 151,613.00 127.79992% 878.48858607 93.55899560 0.00000000 0.00000000
1-A-13 2,000,000.00 5.50000% 878.00000000 4.02416500 0.00000000 0.00000000
1-A-14 10,000,000.00 3.39000% 878.48860500 2.48173000 0.00000000 0.00000000
1-A-15 10,000,000.00 8.11000% 878.48860500 5.93711900 0.00000000 0.00000000
1-A-16 60,750,000.00 4.75000% 987.57284296 3.90914255 0.00000000 0.00000000
1-A-17 1,109,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-18 62,736,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000
1-A-19 31,404,000.00 5.50000% 1000.00000000 4.58333333 0.00000000 0.00000000
1-A-20 9,862,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
1-A-R 50.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-MR 25.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 25.00 6.00000% 0.00000000 0.00000000 0.00000000 0.00000000
2-A-1 6,500,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
2-A-2 34,214,000.00 6.00000% 981.14030338 4.90570147 0.00000000 0.00000000
2-A-3 6,095,000.00 6.00000% 1000.00000000 5.00000000 0.00000000 0.00000000
2-A-4 887,000.00 6.00000% 986.21492672 4.93107103 0.00000000 0.00000000
3-A-1 68,628,000.00 5.25000% 929.56810180 4.06686047 0.00000000 0.00000000
4-A-1 22,014,000.00 5.50000% 940.57265922 4.31095803 0.00000000 0.00000000
5-A-1 103,380,000.00 6.50000% 903.21168147 4.89239660 0.00000000 0.00000000
5-PO 2,049,759.00 0.00000% 923.89398461 0.00000000 0.00000000 0.00000000
X-PO 4,730,275.00 0.00000% 976.65643329 0.00000000 0.00000000 0.00000000
15-PO 662,400.00 0.00000% 991.32595109 0.00000000 0.00000000 0.00000000
2-B-1 1,241,000.00 6.00000% 998.07431910 4.99037067 0.00000000 0.00000000
2-B-2 354,000.00 6.00000% 998.07432203 4.99036723 0.00000000 0.00000000
2-B-3 203,000.00 6.00000% 998.07433498 4.99039409 0.00000000 0.00000000
2-B-4 152,000.00 6.00000% 998.07434211 4.99039474 0.00000000 0.00000000
2-B-5 126,000.00 6.00000% 998.07428571 4.99039683 0.00000000 0.00000000
2-B-6 76,976.00 6.00000% 998.07459468 4.99038661 0.00000000 0.00000000
X-B-1 6,429,000.00 5.45163% 996.89072951 4.52890030 0.00000000 0.00000000
X-B-2 1,653,000.00 5.45163% 996.89073200 4.52889897 0.00000000 0.00000000
X-B-3 919,000.00 5.45163% 996.89072905 4.52890098 0.00000000 0.00000000
X-B-4 735,000.00 5.45163% 996.89073469 4.52889796 0.00000000 0.00000000
X-B-5 367,000.00 5.45163% 996.89073569 4.52891008 0.00000000 0.00000000
X-B-6 551,632.00 5.45163% 996.89073513 4.52890695 0.00000000 0.00000000
5-B-1 1,288,000.00 6.00000% 996.02293478 4.98011646 0.00000000 0.00000000
5-B-2 215,000.00 6.00000% 996.02293023 4.98009302 0.00000000 0.00000000
5-B-3 161,000.00 6.00000% 996.02291925 4.98012422 0.00000000 0.00000000
5-B-4 107,000.00 6.50000% 996.02289720 5.39514019 0.00000000 0.00000000
5-B-5 54,000.00 6.50000% 996.02296296 5.39518519 0.00000000 0.00000000
5-B-6 107,705.00 6.50000% 996.02423286 5.39510701 0.00000000 0.00000000
1-B-IO 0.00 0.50000% 998.07720052 0.41586516 0.00000000 0.00000000
5-IO 0.00 6.50000% 889.22535966 4.81663545 0.00000000 0.00000000
5-B-IO 0.00 0.50000% 996.02293269 0.41501202 0.00000000 0.00000000
15-IO 0.00 5.25000% 913.76915797 3.99774036 0.00000000 0.00000000
20-IO 0.00 5.50000% 767.14996850 3.51610233 0.00000000 0.00000000
30-IO 0.00 6.00000% 975.56510811 4.87782611 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 4.02640611 0.00000000 658.20909833
1-A-2 0.00000000 0.00000000 4.39244303 0.00000000 658.20909840
1-A-3 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-4 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-5 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-6 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-7 0.00000000 0.00000000 4.39000000 0.00000000 658.00000000
1-A-8 0.00000000 0.00000000 5.49055472 0.00000000 658.20909811
1-A-9 0.00000000 0.00000000 4.96724963 0.00000000 989.42893690
1-A-10 0.00000000 0.00000000 4.16666667 0.00000000 1000.00000000
1-A-11 0.00000000 0.00000000 2.55493871 0.00000000 658.20909918
1-A-12 0.00000000 0.00000000 93.55899560 0.00000000 658.20912455
1-A-13 0.00000000 0.00000000 4.02416500 0.00000000 658.00000000
1-A-14 0.00000000 0.00000000 2.48173000 0.00000000 658.20909900
1-A-15 0.00000000 0.00000000 5.93711900 0.00000000 658.20909900
1-A-16 0.00000000 0.00000000 3.90914255 0.00000000 979.94390025
1-A-17 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-18 0.00000000 0.00000000 4.37500000 0.00000000 1000.00000000
1-A-19 0.00000000 0.00000000 4.58333333 0.00000000 1000.00000000
1-A-20 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
1-A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-MR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000
1-A-LR 0.00000000 0.00000000 284.00000000 0.00000000 0.00000000
2-A-1 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
2-A-2 0.00000000 0.00000000 4.90570147 0.00000000 867.45426463
2-A-3 0.00000000 0.00000000 5.00000000 0.00000000 1000.00000000
2-A-4 0.00000000 0.00000000 4.93107103 0.00000000 903.11863585
3-A-1 0.00000000 0.00000000 4.06686047 0.00000000 905.71775922
4-A-1 0.00000000 0.00000000 4.31095803 0.00000000 938.29452984
5-A-1 0.00000000 0.00000000 4.89239660 0.00000000 844.58491014
5-PO 0.00000000 0.00000000 0.00000000 0.00000000 900.53344320
X-PO 0.00000000 0.00000000 0.00000000 0.00000000 944.05047909
15-PO 0.00000000 0.00000000 0.00000000 0.00000000 986.19572766
2-B-1 0.00000000 0.00000000 4.99037067 0.00000000 997.05503626
2-B-2 0.00000000 0.00000000 4.99036723 0.00000000 997.05502825
2-B-3 0.00000000 0.00000000 4.99039409 0.00000000 997.05502463
2-B-4 0.00000000 0.00000000 4.99039474 0.00000000 997.05506579
2-B-5 0.00000000 0.00000000 4.99039683 0.00000000 997.05500000
2-B-6 0.00000000 0.00000000 4.99038661 0.00000000 997.05531594
X-B-1 0.00000000 0.00000000 4.52890030 0.00000000 995.32315912
X-B-2 0.00000000 0.00000000 4.52889897 0.00000000 995.32315789
X-B-3 0.00000000 0.00000000 4.52890098 0.00000000 995.32315560
X-B-4 0.00000000 0.00000000 4.52889796 0.00000000 995.32315646
X-B-5 0.00000000 0.00000000 4.52891008 0.00000000 995.32316076
X-B-6 0.00000000 0.00000000 4.52890695 0.00000000 995.32315022
5-B-1 0.00000000 0.00000000 4.98011646 0.00000000 993.97651398
5-B-2 0.00000000 0.00000000 4.98009302 0.00000000 993.97651163
5-B-3 0.00000000 0.00000000 4.98012422 0.00000000 993.97652174
5-B-4 0.00000000 0.00000000 5.39514019 0.00000000 993.97654206
5-B-5 0.00000000 0.00000000 5.39518519 0.00000000 993.97648148
5-B-6 0.00000000 0.00000000 5.39510701 0.00000000 993.97780976
1-B-IO 0.00000000 0.00000000 0.41586516 0.00000000 997.10853873
5-IO 0.00000000 0.00000000 4.81663545 0.00000000 834.60362699
5-B-IO 0.00000000 0.00000000 0.41501202 0.00000000 993.97651442
15-IO 0.00000000 0.00000000 3.99774036 0.00000000 905.38136342
20-IO 0.00000000 0.00000000 3.51610233 0.00000000 765.34552607
30-IO 0.00000000 0.00000000 4.87782611 0.00000000 836.53912631
<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 3,566,657.71 3,460,308.42 94.40896687%
X-PO-2 0.00000% 0.00 0.00 793,246.38 746,260.87 92.93115474%
X-PO-3 0.00000% 0.00 0.00 9,913.26 9,861.96 98.61960000%
X-PO-4 0.00000% 0.00 0.00 240,797.22 240,181.79 99.24182505%
X-PO-5 0.00000% 0.00 0.00 9,238.94 9,005.33 90.05330000%
30-IO-1 6.00000% 2,851,143.50 2,469,684.02 0.00 0.00 84.11100054%
30-IO-2 6.00000% 590,734.11 481,697.95 0.00 0.00 81.38631886%
CERTIFICATEHOLDER ACCOUNT STATEMENT
CERTIFICATE ACCOUNT
<s> <c>
Beginning Balance 0.00
Deposits
Payments of Interest and Principal 30,000,177.72
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 30,000,177.72
Withdrawals
Reimbursement for Servicer Advances 0.00
Payment of Service Fee 105,883.42
Payment of Interest and Principal 29,894,294.30
Total Withdrawals (Pool Distribution Amount) 30,000,177.72
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 104,011.18
Trustee Fee 1,872.24
Supported Prepayment/Curtailment Interest Shortfall 0.00
Net Servicing Fee 105,883.42
OTHER ACCOUNTS
Beginning Current Current Ending
Account Type Balance Withdrawals Deposits Balance
<s> <c> <c> <c> <c>
Class 1-A-13 Reserve Fund 22.78 418.20 977.21 581.79
Class 1-A-7Reserve Fund 511.39 209.10 488.61 790.90
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 4 0 0 0 4
2,296,292.52 0.00 0.00 0.00 2,296,292.52
60 Days 2 0 0 0 2
651,372.75 0.00 0.00 0.00 651,372.75
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 6 0 0 0 6
2,947,665.27 0.00 0.00 0.00 2,947,665.27
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 0.418848% 0.000000% 0.000000% 0.000000% 0.418848%
0.486017% 0.000000% 0.000000% 0.000000% 0.486017%
60 Days 0.209424% 0.000000% 0.000000% 0.000000% 0.209424%
0.137865% 0.000000% 0.000000% 0.000000% 0.137865%
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 0.628272% 0.000000% 0.000000% 0.000000% 0.628272%
0.623882% 0.000000% 0.000000% 0.000000% 0.623882%
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 3 0 0 0 3
1,605,948.34 0.00 0.00 0.00 1,605,948.34
60 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
90 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
120 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
150 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
180 Days 0 0 0 0 0
0.00 0.00 0.00 0.00 0.00
Totals 3 0 0 0 3
1,605,948.34 0.00 0.00 0.00 1,605,948.34
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.635593% 0.000000% 0.000000% 0.000000% 0.635593%
0.646079% 0.000000% 0.000000% 0.000000% 0.646079%
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 0.635593% 0.000000% 0.000000% 0.000000% 0.635593%
0.646079% 0.000000% 0.000000% 0.000000% 0.646079%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
2 - 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%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
3 - 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 1 0 0 0 1
376,643.92 0.00 0.00 0.00 376,643.92
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
376,643.92 0.00 0.00 0.00 376,643.92
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 0.819672% 0.000000% 0.000000% 0.000000% 0.819672%
0.578960% 0.000000% 0.000000% 0.000000% 0.578960%
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 0.819672% 0.000000% 0.000000% 0.000000% 0.819672%
0.578960% 0.000000% 0.000000% 0.000000% 0.578960%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
4 - 20 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%
DELINQUENT BANKRUPTCY FORECLOSURE REO Total
<s>
5 - 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 1 0 0 0 1
690,344.18 0.00 0.00 0.00 690,344.18
60 Days 1 0 0 0 1
274,728.83 0.00 0.00 0.00 274,728.83
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 2 0 0 0 2
965,073.01 0.00 0.00 0.00 965,073.01
0-29 Days 0.000000% 0.000000% 0.000000% 0.000000%
0.000000% 0.000000% 0.000000% 0.000000%
30 Days 0.452489% 0.000000% 0.000000% 0.000000% 0.452489%
0.756530% 0.000000% 0.000000% 0.000000% 0.756530%
60 Days 0.452489% 0.000000% 0.000000% 0.000000% 0.452489%
0.301068% 0.000000% 0.000000% 0.000000% 0.301068%
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 0.904977% 0.000000% 0.000000% 0.000000% 0.904977%
1.057598% 0.000000% 0.000000% 0.000000% 1.057598%
OTHER INFORMATION
<s> <c>
Current Period Class A Insufficient Funds 0.00
Principal Balance of Contaminated Properties 0.00
Periodic Advance 20,047.71
COLLATERAL STATEMENT
Collateral Description Mixed Fixed
Weighted Average Gross Coupon 6.234720%
Weighted Average Pass-Through Rate 5.980219%
Weighted Average Maturity(Stepdown Calculation ) 280
Beginning Scheduled Collateral Loan Count 1,003
Number Of Loans Paid In Full 48
Ending Scheduled Collateral Loan Count 955
Beginning Scheduled Collateral Balance 499,253,742.83
Ending Scheduled Collateral Balance 471,846,649.67
Ending Actual Collateral Balance at 30-Nov-2004 472,471,298.00
Monthly P &I Constant 3,394,192.54
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 29,442,949.19
Class AP Deferred Amount 0.00
Scheduled Principal 800,269.62
Unscheduled Principal 26,606,823.54
Miscellaneous Reporting
Senior % 97.013646%
Subordinate % 2.986354%
Group Level Collateral Statement
Group 1 - 30 Year Fixed 2 - 30 Year Fixed 3 - 15 Year Fixed
Collateral Description Fixed 30 Year Fixed 30 Year Fixed 15 Year
Weighted Average Coupon Rate 6.238235 6.230190 5.622967
Weighted Average Net Rate 5.988235 5.980191 5.372967
Weighted Average Maturity 356 356 172
Beginning Loan Count 497 100 125
Loans Paid In Full 25 8 3
Ending Loan Count 472 92 122
Beginning Scheduled Balance 263,946,799.31 49,980,583.92 66,515,954.12
Ending scheduled Balance 248,365,201.69 45,968,043.38 64,868,196.23
Record Date 11/30/2004 11/30/2004 11/30/2004
Principal And Interest Constant 1,628,469.98 310,538.03 554,799.34
Scheduled Principal 256,334.85 51,047.57 243,118.51
Unscheduled Principal 15,325,262.77 3,961,492.97 1,404,639.38
Scheduled Interest 1,372,135.13 259,490.46 311,680.83
Servicing Fees 54,988.92 10,412.61 13,857.48
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 989.81 187.44 249.44
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 1,316,156.40 248,890.41 297,573.91
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 5.983735 5.975690 5.368467
Group Level Collateral Statement
Group 4 - 20 Year Fixed 5 - Mixed Fixed Total
Collateral Description Fixed 20 Year Mixed Fixed Mixed Fixed
Weighted Average Coupon Rate 5.853134 6.730961 6.234720
Weighted Average Net Rate 5.603133 6.480961 5.984720
Weighted Average Maturity 233 280 280
Beginning Loan Count 48 233 1,003
Loans Paid In Full 0 12 48
Ending Loan Count 48 221 955
Beginning Scheduled Balance 21,608,363.39 97,202,042.09 499,253,742.83
Ending scheduled Balance 21,556,074.10 91,089,134.27 471,846,649.67
Record Date 11/30/2004 11/30/2004 11/30/2004
Principal And Interest Constant 155,152.70 745,232.49 3,394,192.54
Scheduled Principal 49,755.50 200,013.19 800,269.62
Unscheduled Principal 2,533.79 5,912,894.63 26,606,823.54
Scheduled Interest 105,397.20 545,219.30 2,593,922.92
Servicing Fees 4,501.75 20,250.42 104,011.18
Master Servicing Fees 0.00 0.00 0.00
Trustee Fee 81.03 364.52 1,872.24
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 100,814.42 524,604.36 2,488,039.50
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 5.598634 6.476461 5.980219
Miscellaneous Reporting
Group 1 - 30 Year Fixed
CPR 51.252106%
Subordinate % 3.035838%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.964162%
Group 2 - 30 Year Fixed
CPR 62.916405%
Subordinate % 4.368666%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 95.631334%
Group 3 - 15 Year Fixed
CPR 22.668715%
Subordinate % 3.120738%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.879262%
Miscellaneous Reporting
Group 4 - 20 Year Fixed
CPR 0.140945%
Subordinate % 3.097215%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 96.902785%
Group 5 - Mixed Fixed
CPR 52.985797%
Subordinate % 2.019978%
Subordinate Prepayment % 0.000000%
Senior Prepayment % 100.000000%
Senior % 97.980022%
Group