8-K 1 ace04sed1_nov.txt NOVEMBER 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): November 26, 2004 ACE SECURITIES CORP. HOME EQUITY LOAN TRUST Asset Backed Pass-Through Certificates, Series 2004-SD1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-119047-01 54-2161161 Pooling and Servicing Agreement) (Commission 54-2161162 (State or other File Number) IRS EIN jurisdiction of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On November 26, 2004 a distribution was made to holders of ACE SECURITIES CORP. HOME EQUITY LOAN TRUST, Asset Backed Pass-Through Certificates, Series 2004-SD1 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-SD1 Trust, relating to the November 26, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. ACE SECURITIES CORP. HOME EQUITY LOAN TRUST Asset Backed Pass-Through Certificates, Series 2004-SD1 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: 11/29/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-SD1 Trust, relating to the November 26, 2004 distribution. EX-99.1

ACE Securities Corporation Asset Backed Pass-Through Certificates Record Date: 10/31/2004 Distribution Date: 11/26/2004 ACE Series: 2004-~~----------------------------------------~~SD1 Contact: Customer Service -~~-------------------------------------------------------------------------~~ ~~Exhibit~~CTSLink NoWells Fargo Bank, N.A. ~~Description~~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 ~~4.1~~Certificate ~~Pooling~~Interest ~~and~~Principal ~~Servicing~~Class ~~Agreement,~~CUSIP ~~dated~~Description asRate ofBalance ~~September~~Distribution Distribution A-1 004421HD8 SEN 2.42250% 117,506,541.48 ~~2004~~253,241.23 by4,749,207.87 ~~and~~M-1 ~~among~~004421HE6 ~~ACE~~SEN ~~Securities Corp~~2.88250% 5,427,000.00 ~~as Depositor~~13,905.18 ~~Ocwen~~0.00 ~~Federal~~M-2 ~~Bank~~004421HF3 ~~FSB~~SEN as3.68250% ~~Servicer~~2,713,000.00 ~~Wells~~8,880.55 ~~Fargo~~0.00 ~~Bank~~M-3 004421HG1 SEN 4.68250% 2,374,000.00 N9,881.A12 0.00 asM-4 ~~Master~~004421HH9 ~~Servicer~~SEN ~~and~~4.68250% ~~Securities~~678,000.00 ~~Administrator~~2,821.99 ~~and~~0.00 ~~HSBC~~CE ~~Bank~~ACE04SD1C ~~USA~~SEN 0.00000% 1,115,286.05 ~~National~~520,160.45 ~~Association~~97,747.59 asP ~~Trustee~~ACE04SD1P ~~relating~~SEN to0.00000% ~~the~~100.00 ~~Series~~7,889.36 ~~2004-SD1~~0.00 ~~Certificates~~Totals 129,813,927.53 ~~------------------------------------------~~816,779.88 ~~--------------------------------------------------------------------------~~4,846,955.46

~~Sequentially~~Certificateholder ~~Exhibit~~Distribution ~~No.~~Summary ~~Description~~(continued) ~~Numbered~~Current ~~Page~~Ending ~~-----------~~Cumulative ~~-----------~~Realized Certificate Total Realized Class Loss Balance Distribution Losses A-~~------------~~1 40.100 ~~Pooling~~112,757,333.61 ~~and~~5,002,449.10 ~~Servicing~~0.00 ~~Agreement~~M-1 0.00 5,427,000.00 ~~dated~~13,905.18 as0.00 ofM-2 ~~September~~0.00 12,713,000.00 ~~7 2004~~8,880.55 by0.00 ~~and~~M-3 ~~among~~0.00 ~~ACE~~2,374,000.00 ~~Securities~~9,881.12 ~~Corp~~0.00 M-4 0.00 678,000.00 as2,821.99 ~~Depositor~~0.00 CE 0.00 1,017,538.46 ~~Ocwen~~617,908.04 ~~Federal~~0.00 ~~Bank~~P ~~FSB~~0.00 as100.00 ~~Servicer~~7,889.36 ~~Wells~~0.00 ~~Fargo~~Totals ~~Bank~~0.00 124,966,972.07 N5,663,735.A34 0.00 asAll ~~Master~~distributions ~~Servicer~~required ~~and~~by ~~Securities~~the ~~Administrator~~Pooling and ~~HSBC~~Servicing ~~Bank~~Agreement ~~USA,~~have ~~National~~been ~~Association~~calculated asby ~~Trustee~~the ~~relating~~Certificate toAdministrator ~~the~~on ~~Series~~behalf ~~2004-SD1~~of ~~Certificates~~the Trustee.

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