8-K 1 cht04001_sep.txt SEPTEMBER 8K 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): September 27, 2004 CHARLIE MAC MORTGAGE TRUST Mortgage Pass-Through Certificates, Series 2004-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-115122-07 54-2157808 Pooling and Servicing Agreement) (Commission 54-2157809 (State or other File Number) 54-2157810 jurisdiction IRS EIN 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 September 27, 2004 a distribution was made to holders of CHARLIE MAC MORTGAGE TRUST, Mortgage Pass-Through Certificates, Series 2004-1 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 2004-1 Trust, relating to the September 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. CHARLIE MAC MORTGAGE TRUST Mortgage Pass-Through Certificates, Series 2004-1 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 9/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-1 Trust, relating to the September 27, 2004 distribution. EX-99.1

Charlie Mac Mortgage Trust Mortgage Pass-Through Certificates Record Date: 78/31/042004 Distribution Date: 89/2527/042004 CHT Series: 2004-1 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 A-1 160762AA8 SEN 5.25000% 56,~~238~~063,~~000~~394.00 ~~246~~245,~~041~~277.2535 ~~174~~173,~~606~~239.0022 A-2 160762AB6 SEN 5.25000% 4,~~049~~036,~~235~~663.0006 17,~~715~~660.40 12,~~571~~473.9453 A-3 160762AC4 SEN 5.25000% 10,~~500~~545,~~000~~937.0050 4546,~~937~~138.5048 (4546,~~937~~138.5048) A-4 160762AD2 SEN 5.25000% 7,800,000.00 34,125.00 0.00 A-5 160762AE0 SEN 5.50000% 5250,~~428~~869,~~403~~233.0093 ~~240~~233,~~296~~150.8566 1474,~~559,169~~292.0713 A-6 160762AF7 SEN 5.50000% 9,~~500~~543,~~000~~541.0067 43,~~541~~741.6723 (43,~~541~~741.6723) A-7 160762AG5 SEN 5.50000% 7,115,000.00 32,610.42 0.00 A-8 160762AH3 SEN 2.~~05375~~16500% 7,~~578~~496,~~189~~928.4142 1013,~~808~~525.1371 819,~~260~~016.9985 A-9 160762AJ9 SEN 5.~~94625~~83500% 0.00 3136,~~292~~453.9281 0.00 PO 160762AK6 PO 0.00000% 3,~~779~~771,~~022~~309.4380 0.00 7,~~712~~868.6343 R-I 160762AL4 RES 5.25000% 500.00 0.2200 500.00 R-II 160762AM2 RES 5.25000% 500.00 0.2200 500.00 R-III 160762AN0 RES 5.25000% 500.00 ~~8,419~~0.9300 500.00 B-1 160762AP5 SUB 5.~~49549~~49555% 2,~~454~~450,~~000~~587.0019 11,~~238~~222.2777 3,~~412~~423.8192 B-2 160762AQ3 SUB 5.~~49549~~49555% ~~981~~979,~~000~~635.0071 4,~~492~~486.5636 1,~~364~~368.2973 B-3 160762AR1 SUB 5.~~49549~~49555% ~~328~~327,~~000~~543.0085 1,~~502~~500.1003 ~~456~~457.1564 B-4 160762AS9 SUB 5.~~49549~~49555% ~~408~~407,~~000~~432.0059 1,~~868~~865.4789 ~~567~~569.4126 B-5 160762AT7 SUB 5.~~49549~~49555% ~~246~~245,~~000~~657.0088 1,~~126~~125.5702 ~~342~~343.1223 B-6 160762AU4 SUB 5.~~49549~~49555% 163,~~868~~640.2839 ~~750~~749.4541 ~~227~~228.8912 Totals ~~163~~161,~~568~~816,~~868~~505.1299 ~~731~~723,~~767~~632.9354 1593,~~752,362~~401.1335

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1 0.00 5655,~~063~~890,~~394~~154.0078 ~~420~~418,~~647~~516.2557 0.00 A-2 0.00 4,~~036~~024,~~663~~189.0653 30,~~287~~133.3493 0.00 A-3 0.00 10,~~545~~592,~~937~~075.5098 0.00 0.00 A-4 0.00 7,800,000.00 34,125.00 0.00 A-5 0.00 50,~~869~~394,~~233~~941.9380 1707,~~799,465~~442.9279 0.00 A-6 0.00 9,~~543~~587,~~541~~282.6790 0.00 0.00 A-7 0.00 7,115,000.00 32,610.42 0.00 A-8 0.00 7,~~496~~487,~~928~~911.4257 9222,~~069~~542.1256 0.00 A-9 0.00 0.00 3136,~~292~~453.9281 0.00 PO 0.00 3,~~771~~763,~~309~~441.8037 7,~~712~~868.6343 0.00 R-I 0.00 0.00 500.2200 0.00 R-II 0.00 0.00 500.2200 0.00 R-III 0.00 0.00 ~~8,469~~0.9300 0.00 B-1 0.00 2,~~450~~447,~~587~~163.1927 14,~~651~~646.0869 0.00 B-2 0.00 ~~979~~978,~~635~~266.7198 5,~~856~~855.8509 0.00 B-3 0.00 327,~~543~~086.8521 1,~~958~~957.2567 0.00 B-4 0.00 ~~407~~406,~~432~~863.5933 2,435.8815 0.00 B-5 0.00 245,~~657~~314.8866 1,468.6925 0.00 B-6 0.00 163,~~640~~412.3927 ~~978~~977.3453 0.00 Totals 0.00 161,~~816~~223,~~505~~104.9965 21,~~484~~317,~~130~~033.0689 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) A-1 56,238,000.00 56,~~238~~063,~~000~~394.00 ~~154~~155,~~374~~924.3923 2017,~~231~~314.6199 0.00 0.00 A-2 4,049,235.00 4,~~049~~036,~~235~~663.0006 11,~~115~~226.2382 1,~~456~~246.71 0.00 0.00 A-3 10,500,000.00 10,~~500~~545,~~000~~937.0050 0.00 0.00 (4546,~~937~~138.5048) 0.00 A-4 7,800,000.00 7,800,000.00 0.00 0.00 0.00 0.00 A-5 52,428,403.00 5250,~~428~~869,~~403~~233.0093 8589,~~048~~257.4869 1385,~~474,120~~034.5944 0.00 0.00 A-6 9,500,000.00 9,~~500~~543,~~000~~541.0067 0.00 0.00 (43,~~541~~741.6723) 0.00 A-7 7,115,000.00 7,115,000.00 0.00 0.00 0.00 0.00 A-8 7,578,189.41 7,~~578~~496,~~189~~928.4142 8,~~176~~085.3761 ~~73,084~~931.6323 0.00 0.00 A-9 0.00 0.00 0.00 0.00 0.00 0.00 PO 3,779,022.43 3,~~779~~771,~~022~~309.4380 7,~~318~~351.9936 ~~393~~517.6407 0.00 0.00 R-I 50.00 500.00 440.2100 50.7900 0.00 0.00 R-II 50.00 500.00 440.2100 50.7900 0.00 0.00 R-III 50.00 500.00 440.2100 50.7900 0.00 0.00 B-1 2,454,000.00 2,~~454~~450,~~000~~587.0019 3,~~412~~423.8192 0.00 0.00 0.00 B-2 981,000.00 ~~981~~979,~~000~~635.0071 1,~~364~~368.2973 0.00 0.00 0.00 B-3 328,000.00 ~~328~~327,~~000~~543.0085 ~~456~~457.1564 0.00 0.00 0.00 B-4 408,000.00 ~~408~~407,~~000~~432.0059 ~~567~~569.4126 0.00 0.00 0.00 B-5 246,000.00 ~~246~~245,~~000~~657.0088 ~~342~~343.1223 0.00 0.00 0.00 B-6 163,868.28 163,~~868~~640.2839 ~~227~~228.8912 0.00 0.00 0.00 Totals 163,568,868.12 ~~163~~161,~~568~~816,~~868~~505.1299 ~~272~~278,~~536~~236.7661 1405,~~569,304~~044.5544 (89,~~479~~879.1771) 0.00 (1) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Principal Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution A-1 ~~174~~173,~~606~~239.0022 5655,~~063~~890,~~394~~154.0078 0.~~99689523~~99381477 ~~174~~173,~~606~~239.0022 A-2 12,~~571~~473.9453 4,~~036~~024,~~663~~189.0653 0.~~99689523~~99381477 12,~~571~~473.9453 A-3 (4546,~~937~~138.5048) 10,~~545~~592,~~937~~075.5098 1.~~00437500~~00876914 (4546,~~937~~138.5048) A-4 0.00 7,800,000.00 1.00000000 0.00 A-5 1474,~~559,169~~292.0713 50,~~869~~394,~~233~~941.9380 0.~~97026098~~96121451 1474,~~559,169~~292.0713 A-6 (43,~~541~~741.6723) 9,~~543~~587,~~541~~282.6790 1.~~00458333~~00918767 (43,~~541~~741.6723) A-7 0.00 7,115,000.00 1.00000000 0.00 A-8 819,~~260~~016.9985 7,~~496~~487,~~928~~911.4257 0.~~98927699~~98808715 819,~~260~~016.9985 A-9 0.00 0.00 0.00000000 0.00 PO 7,~~712~~868.6343 3,~~771~~763,~~309~~441.8037 0.~~99795909~~99587696 7,~~712~~868.6343 R-I 500.00 0.00 0.00000000 500.00 R-II 500.00 0.00 0.00000000 500.00 R-III 500.00 0.00 0.00000000 500.00 B-1 3,~~412~~423.8192 2,~~450~~447,~~587~~163.1927 0.~~99860929~~99721405 3,~~412~~423.8192 B-2 1,~~364~~368.2973 ~~979~~978,~~635~~266.7198 0.~~99860929~~99721405 1,~~364~~368.2973 B-3 ~~456~~457.1564 327,~~543~~086.8521 0.~~99860930~~99721405 ~~456~~457.1564 B-4 ~~567~~569.4126 ~~407~~406,~~432~~863.5933 0.~~99860929~~99721404 ~~567~~569.4126 B-5 ~~342~~343.1223 245,~~657~~314.8866 0.~~99860927~~99721407 ~~342~~343.1223 B-6 ~~227~~228.8912 163,~~640~~412.3927 0.~~99860931~~99721722 ~~227~~228.8912 Totals 1593,~~752,362~~401.1335 161,~~816~~223,~~505~~104.9965 0.~~98928670~~98565886 1593,~~752,362~~401.1335

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1 56,238,000.00 ~~1000~~996.~~00000000~~89523098 2.~~74501920~~77257779 0.~~35974981~~30788773 0.00000000 A-2 4,049,235.00 ~~1000~~996.~~00000000~~89523083 2.~~74501974~~77257803 0.~~35974943~~30788779 0.00000000 A-3 10,500,000.00 ~~1000~~1004.~~00000000~~37500000 0.00000000 0.00000000 (4.~~37500000~~39414095) A-4 7,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-5 52,428,403.00 ~~1000~~970.~~00000000~~26098487 1.~~62218330~~70246822 287.~~11683182~~34400474 0.00000000 A-6 9,500,000.00 ~~1000~~1004.~~00000000~~58333368 0.00000000 0.00000000 (4.~~58333368~~60434000) A-7 7,115,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-8 7,578,189.41 ~~1000~~989.~~00000000~~27699143 1.~~07893450~~06695802 90.~~64407539~~12288291 0.00000000 A-9 0.00 0.00000000 0.00000000 0.00000000 0.00000000 PO 3,779,022.43 ~~1000~~997.~~00000000~~95909388 1.~~93674161~~94530732 0.~~10416450~~13682639 0.00000000 R-I 50.00 ~~1000~~0.00000000 ~~884~~0.~~20000000~~00000000 ~~115~~0.~~80000000~~00000000 0.00000000 R-II 50.00 ~~1000~~0.00000000 ~~884~~0.~~20000000~~00000000 ~~115~~0.~~80000000~~00000000 0.00000000 R-III 50.00 ~~1000~~0.00000000 ~~884~~0.~~20000000~~00000000 ~~115~~0.~~80000000~~00000000 0.00000000 B-1 2,454,000.00 ~~1000~~998.~~00000000~~60928688 1.~~39071312~~39524042 0.00000000 0.00000000 B-2 981,000.00 ~~1000~~998.~~00000000~~60928644 1.~~39071356~~39523955 0.00000000 0.00000000 B-3 328,000.00 ~~1000~~998.~~00000000~~60929878 1.~~39070122~~39524390 0.00000000 0.00000000 B-4 408,000.00 ~~1000~~998.~~00000000~~60928922 1.~~39071078~~39524510 0.00000000 0.00000000 B-5 246,000.00 ~~1000~~998.~~00000000~~60926829 1.~~39073171~~39524390 0.00000000 0.00000000 B-6 163,868.28 ~~1000~~998.~~00000000~~60930987 1.~~39069013~~39209370 0.00000000 0.00000000

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1 0.00000000 3.~~10476902~~08046552 ~~996~~993.~~89523098~~81476546 0.~~99689523~~99381477 3.~~10476902~~08046552 A-2 0.00000000 3.~~10476917~~08046582 ~~996~~993.~~89523083~~81476501 0.~~99689523~~99381477 3.~~10476917~~08046582 A-3 0.00000000 (4.~~37500000~~39414095) 1,~~004~~008.~~37500000~~76914095 1.~~00437500~~00876914 (4.~~37500000~~39414095) A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-5 0.00000000 299.~~73901513~~04647296 ~~970~~961.~~26098487~~21451191 0.~~97026098~~96121451 299.~~73901513~~04647296 A-6 0.00000000 (4.~~58333368~~60434000) 1,~~004~~009.~~58333368~~18767368 1.~~00458333~~00918767 (4.~~58333368~~60434000) A-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-8 0.00000000 101.~~72300857~~18984226 ~~989~~988.~~27699143~~08714917 0.~~98927699~~98808715 101.~~72300857~~18984226 A-9 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 PO 0.00000000 2.~~04090612~~08213371 ~~997~~995.~~95909388~~87696017 0.~~99795909~~99587696 2.~~04090612~~08213371 R-I 0.00000000 ~~1,000~~0.00000000 0.00000000 0.00000000 ~~1,000~~0.00000000 R-II 0.00000000 ~~1,000~~0.00000000 0.00000000 0.00000000 ~~1,000~~0.00000000 R-III 0.00000000 ~~1,000~~0.00000000 0.00000000 0.00000000 ~~1,000~~0.00000000 B-1 0.00000000 1.~~39071312~~39524042 ~~998~~997.~~60928688~~21404645 0.~~99860929~~99721405 1.~~39071312~~39524042 B-2 0.00000000 1.~~39071356~~39523955 ~~998~~997.~~60928644~~21404689 0.~~99860929~~99721405 1.~~39071356~~39523955 B-3 0.00000000 1.~~39070122~~39524390 ~~998~~997.~~60929878~~21405488 0.~~99860930~~99721405 1.~~39070122~~39524390 B-4 0.00000000 1.~~39071078~~39524510 ~~998~~997.~~60928922~~21404412 0.~~99860929~~99721404 1.~~39071078~~39524510 B-5 0.00000000 1.~~39073171~~39524390 ~~998~~997.~~60926829~~21406504 0.~~99860927~~99721407 1.~~39073171~~39524390 B-6 0.00000000 1.~~39069013~~39209370 ~~998~~997.~~60930987~~21721617 0.~~99860931~~99721722 1.~~39069013~~39209370 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall A-1 56,238,000.00 5.25000% 56,~~238~~063,~~000~~394.00 ~~246~~245,~~041~~277.2535 0.00 0.00 A-2 4,049,235.00 5.25000% 4,~~049~~036,~~235~~663.0006 17,~~715~~660.40 0.00 0.00 A-3 10,500,000.00 5.25000% 10,~~500~~545,~~000~~937.0050 4546,~~937~~138.5048 0.00 0.00 A-4 7,800,000.00 5.25000% 7,800,000.00 34,125.00 0.00 0.00 A-5 52,428,403.00 5.50000% 5250,~~428~~869,~~403~~233.0093 ~~240~~233,~~296~~150.8566 0.00 0.00 A-6 9,500,000.00 5.50000% 9,~~500~~543,~~000~~541.0067 43,~~541~~741.6723 0.00 0.00 A-7 7,115,000.00 5.50000% 7,115,000.00 32,610.42 0.00 0.00 A-8 7,578,189.41 2.~~05375~~16500% 7,~~578~~496,~~189~~928.4142 1013,~~808~~525.1371 0.00 0.00 A-9 0.00 5.~~94625~~83500% 7,~~578~~496,~~189~~928.4142 3136,~~292~~453.9281 0.00 0.00 PO 3,779,022.43 0.00000% 3,~~779~~771,~~022~~309.4380 0.00 0.00 0.00 R-I 50.00 5.25000% 500.00 0.2200 0.00 0.00 R-II 50.00 5.25000% 500.00 0.2200 0.00 0.00 R-III 50.00 5.25000% 500.00 0.2200 0.00 0.00 B-1 2,454,000.00 5.~~49549~~49555% 2,~~454~~450,~~000~~587.0019 11,~~238~~222.2777 0.00 0.00 B-2 981,000.00 5.~~49549~~49555% ~~981~~979,~~000~~635.0071 4,~~492~~486.5636 0.00 0.00 B-3 328,000.00 5.~~49549~~49555% ~~328~~327,~~000~~543.0085 1,~~502~~500.1003 0.00 0.00 B-4 408,000.00 5.~~49549~~49555% ~~408~~407,~~000~~432.0059 1,~~868~~865.4789 0.00 0.00 B-5 246,000.00 5.~~49549~~49555% ~~246~~245,~~000~~657.0088 1,~~126~~125.5702 0.00 0.00 B-6 163,868.28 5.~~49549~~49555% 163,~~868~~640.2839 ~~750~~749.4541 0.00 0.00 Totals 163,568,868.12 723,~~348~~632.2254 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 A-1 0.00 0.00 ~~246~~245,~~041~~277.2535 0.00 5655,~~063~~890,~~394~~154.0078 A-2 0.00 0.00 17,~~715~~660.40 0.00 4,~~036~~024,~~663~~189.0653 A-3 0.00 0.00 4546,~~937~~138.5048 0.00 10,~~545~~592,~~937~~075.5098 A-4 0.00 0.00 34,125.00 0.00 7,800,000.00 A-5 0.00 0.00 ~~240~~233,~~296~~150.8566 0.00 50,~~869~~394,~~233~~941.9380 A-6 0.00 0.00 43,~~541~~741.6723 0.00 9,~~543~~587,~~541~~282.6790 A-7 0.00 0.00 32,610.42 0.00 7,115,000.00 A-8 0.00 0.00 1013,~~808~~525.1371 0.00 7,~~496~~487,~~928~~911.4257 A-9 0.00 0.00 3136,~~292~~453.9281 0.00 7,~~496~~487,~~928~~911.4257 PO 0.00 0.00 0.00 0.00 3,~~771~~763,~~309~~441.8037 R-I 0.00 0.00 0.2200 0.00 0.00 R-II 0.00 0.00 0.2200 0.00 0.00 R-III 0.00 0.00 ~~8,419~~0.9300 0.00 0.00 B-1 0.00 0.00 11,~~238~~222.2777 0.00 2,~~450~~447,~~587~~163.1927 B-2 0.00 0.00 4,~~492~~486.5636 0.00 ~~979~~978,~~635~~266.7198 B-3 0.00 0.00 1,~~502~~500.1003 0.00 327,~~543~~086.8521 B-4 0.00 0.00 1,~~868~~865.4789 0.00 ~~407~~406,~~432~~863.5933 B-5 0.00 0.00 1,~~126~~125.5702 0.00 245,~~657~~314.8866 B-6 0.00 0.00 ~~750~~749.4541 0.00 163,~~640~~412.3927 Totals 0.00 0.00 ~~731~~723,~~767~~632.9354 0.00 (4) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Factors Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class (5) Amount Rate Balance Interest Shortfall Shortfall A-1 56,238,000.00 5.25000% ~~1000~~996.~~00000000~~89523098 4.~~37500000~~36141666 0.00000000 0.00000000 A-2 4,049,235.00 5.25000% ~~1000~~996.~~00000000~~89523083 4.~~37499923~~36141642 0.00000000 0.00000000 A-3 10,500,000.00 5.25000% ~~1000~~1004.~~00000000~~37500000 4.~~37500000~~39414095 0.00000000 0.00000000 A-4 7,800,000.00 5.25000% 1000.00000000 4.37500000 0.00000000 0.00000000 A-5 52,428,403.00 5.50000% ~~1000~~970.~~00000000~~26098487 4.~~58333339~~44702960 0.00000000 0.00000000 A-6 9,500,000.00 5.50000% ~~1000~~1004.~~00000000~~58333368 4.~~58333368~~60434000 0.00000000 0.00000000 A-7 7,115,000.00 5.50000% 1000.00000000 4.58333380 0.00000000 0.00000000 A-8 7,578,189.41 2.~~05375~~16500% ~~1000~~989.~~00000000~~27699143 1.~~42621534~~78482079 0.00000000 0.00000000 A-9 0.00 5.~~94625~~83500% ~~1000~~989.~~00000000~~27699143 4.~~12933991~~81035878 0.00000000 0.00000000 PO 3,779,022.43 0.00000% ~~1000~~997.~~00000000~~95909388 0.00000000 0.00000000 0.00000000 R-I 50.00 5.25000% ~~1000~~0.00000000 40.~~40000000~~00000000 0.00000000 0.00000000 R-II 50.00 5.25000% ~~1000~~0.00000000 40.~~40000000~~00000000 0.00000000 0.00000000 R-III 50.00 5.25000% ~~1000~~0.00000000 40.~~40000000~~00000000 0.00000000 0.00000000 B-1 2,454,000.00 5.~~49549~~49555% ~~1000~~998.~~00000000~~60928688 4.~~57957213~~57325591 0.00000000 0.00000000 B-2 981,000.00 5.~~49549~~49555% ~~1000~~998.~~00000000~~60928644 4.~~57957187~~57325178 0.00000000 0.00000000 B-3 328,000.00 5.~~49549~~49555% ~~1000~~998.~~00000000~~60929878 4.~~57957317~~57326220 0.00000000 0.00000000 B-4 408,000.00 5.~~49549~~49555% ~~1000~~998.~~00000000~~60928922 4.~~57958333~~57325980 0.00000000 0.00000000 B-5 246,000.00 5.~~49549~~49555% ~~1000~~998.~~00000000~~60926829 4.~~57955285~~57325203 0.00000000 0.00000000 B-6 163,868.28 5.~~49549~~49555% ~~1000~~998.~~00000000~~60930987 4.~~57959283~~57324627 0.00000000 0.00000000 (5) Per $1 denomination.

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1 0.00000000 0.00000000 4.~~37500000~~36141666 0.00000000 ~~996~~993.~~89523098~~81476546 A-2 0.00000000 0.00000000 4.~~37499923~~36141642 0.00000000 ~~996~~993.~~89523083~~81476501 A-3 0.00000000 0.00000000 4.~~37500000~~39414095 0.00000000 ~~1004~~1008.~~37500000~~76914095 A-4 0.00000000 0.00000000 4.37500000 0.00000000 1000.00000000 A-5 0.00000000 0.00000000 4.~~58333339~~44702960 0.00000000 ~~970~~961.~~26098487~~21451191 A-6 0.00000000 0.00000000 4.~~58333368~~60434000 0.00000000 ~~1004~~1009.~~58333368~~18767368 A-7 0.00000000 0.00000000 4.58333380 0.00000000 1000.00000000 A-8 0.00000000 0.00000000 1.~~42621534~~78482079 0.00000000 ~~989~~988.~~27699143~~08714917 A-9 0.00000000 0.00000000 4.~~12933991~~81035878 0.00000000 ~~989~~988.~~27699143~~08714917 PO 0.00000000 0.00000000 0.00000000 0.00000000 ~~997~~995.~~95909388~~87696017 R-I 0.00000000 0.00000000 40.~~40000000~~00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 40.~~40000000~~00000000 0.00000000 0.00000000 R-III 0.00000000 0.00000000 ~~168398~~0.~~60000000~~00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 4.~~57957213~~57325591 0.00000000 ~~998~~997.~~60928688~~21404645 B-2 0.00000000 0.00000000 4.~~57957187~~57325178 0.00000000 ~~998~~997.~~60928644~~21404689 B-3 0.00000000 0.00000000 4.~~57957317~~57326220 0.00000000 ~~998~~997.~~60929878~~21405488 B-4 0.00000000 0.00000000 4.~~57958333~~57325980 0.00000000 ~~998~~997.~~60928922~~21404412 B-5 0.00000000 0.00000000 4.~~57955285~~57325203 0.00000000 ~~998~~997.~~60926829~~21406504 B-6 0.00000000 0.00000000 4.~~57959283~~57324627 0.00000000 ~~998~~997.~~60930987~~21721617 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 21,~~511~~354,~~578~~156.9478 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 63,~~621~~210.9074 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 21,~~518~~357,~~200~~367.8452 Withdrawals Reimbursement for Servicer Advances 06,621.0090 Payment of Service Fee 3433,~~076~~711.8274 Payment of Interest and Principal 21,~~484~~317,~~124~~033.0288 Total Withdrawals (Pool Distribution Amount) 21,~~518~~357,~~200~~367.8452 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 3433,~~076~~711.8274 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 3433,~~076~~711.8274

LOAN STATUS STRATIFICATION/CREDIT ENHANCEMENT STATEMENT DELINQUENCY STATUS DELINQUENT BANKRUPTCY FORECLOSURE REO Total No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 21 0 0 0 21 ~~960~~517,~~604~~089.4780 0.00 0.00 0.00 ~~960~~517,~~604~~089.4780 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 21 0 0 0 21 ~~960~~517,~~604~~089.4780 0.00 0.00 0.00 ~~960~~517,~~604~~089.4780 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.~~530504~~265957% 0.000000% 0.000000% 0.000000% 0.~~530504~~265957% 0.~~592909~~320327% 0.000000% 0.000000% 0.000000% 0.~~592909~~320327% 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.~~530504~~265957% 0.000000% 0.000000% 0.000000% 0.~~530504~~265957% 0.~~592909~~320327% 0.000000% 0.000000% 0.000000% 0.~~592909~~320327%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 63,~~621~~210.9074

CREDIT ENHANCEMENT Original $ Original % Current $ Current % Bankruptcy 150,000.00 0.09170449% 150,000.00 0.~~09269765~~09303884% Fraud 4,907,066.05 3.00000000% 4,907,066.05 3.~~03249010~~04365156% Special Hazard 1,673,500.00 1.02311645% 1,673,500.00 1.~~03419683~~03800333% Limit of Subordinate's Exposure to Certain Types of Losses

COLLATERAL STATEMENT Collateral Description Mixed Fixed Weighted Average Gross Coupon 5.~~618516~~616319% Weighted Average Net Coupon 5.~~368517~~366319% Weighted Average Pass-Through Rate 5.~~368516~~366319% Weighted Average Maturity(Stepdown Calculation ) ~~335~~334 Beginning Scheduled Collateral Loan Count ~~380~~377 Number Of Loans Paid In Full 31 Ending Scheduled Collateral Loan Count ~~377~~376 Beginning Scheduled Collateral Balance ~~163~~161,~~568~~816,~~868~~391.1264 Ending Scheduled Collateral Balance 161,~~816~~222,~~391~~989.6478 Ending Actual Collateral Balance at 31-~~Jul~~Aug-2004 ~~162~~161,~~015~~425,~~506~~364.0291 Monthly P &I Constant ~~995~~985,~~391~~822.6713 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal ~~229~~228,~~546~~478.9440 Unscheduled Principal 1364,~~522,809~~923.1646

Miscellaneous Reporting Average Loss Severity 0.00 Senior Pct - Sub Group 1 97.~~133329~~132748% Senior Pct - Sub Group 2 97.~~133192~~074137% Senior Pct - Sub Group 3 97.~~133192~~106053% Senior Preyament Pct - Sub Group 1 100.000000% Senior Preyament Pct - Sub Group 2 100.000000% Senior Preyament Pct - Sub Group 3 100.000000% Subordinate Pct - Sub Group 1 2.~~866671~~867252% Subordinate Pct - Sub Group 2 2.~~866808~~925863% Subordinate Pct - Sub Group 3 2.~~866808~~893947%

Filing Compare · CHARLIE MAC TRUST 2004-1, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2004-1