8-K 1 prf04001_nov.txt NOVEMBER 8-K 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 PROVIDENT FUNDING MORTGAGE LOAN TRUST Mortgage Pass-Through Certificates, Series 2004-1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-111379-05 54-2150444 Pooling and Servicing Agreement) (Commission 54-2150445 (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 PROVIDENT FUNDING MORTGAGE LOAN 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 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. PROVIDENT FUNDING MORTGAGE LOAN 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: 11/30/2004 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 November 26, 2004 distribution. EX-99.1

Provident Residential Funding Mortgage ~~Loan Trust Mortgage~~ Pass-Through Certificates Record Date: 810/31/2004 Distribution Date: 911/2726/2004 PRF 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 I-A-1 743873AK7 SEN 4.~~08741~~07666% ~~235~~224,~~795~~796,~~522~~042.1509 ~~803~~763,~~161~~680.8555 46,~~334~~994,~~880~~420.6498 I-A-2 743873AL5 SEN 4.~~08741~~07666% 4442,~~189~~128,~~896~~509.8860 ~~150~~143,~~518~~119.7262 ~~812~~1,~~390~~310,808.0236 I-A-3 743873AM3 SEN 4.~~08741~~07666% 1,~~369~~305,~~886~~983.80 4,~~666~~436.0871 2540,~~184~~635.0906 II-A-1 743873AN1 SEN 4.~~49370~~48665% 5350,~~634~~575,~~753~~308.5545 ~~200~~189,~~848~~094.5489 12,~~670~~070,~~217~~705.9243 A-R 743873AV3 SEN 4.~~09435~~09001% 0.00 0.00 0.00 B-1 743873AP6 SUB 4.~~15773~~14759% 4,~~541~~530,~~380~~062.0169 15,~~734~~657.8538 5,~~647~~750.1738 B-2 743873AQ4 SUB 4.~~15773~~14759% 3,~~355~~347,~~591~~229.7951 11,~~626~~569.3612 4,~~172~~248.6592 B-3 743873AR2 SUB 4.~~15773~~14759% 1,~~776~~771,~~197~~771.4307 6,~~154~~123.1282 2,~~208~~249.6906 B-4 743873AS0 SUB 4.~~15773~~14759% 1,~~579~~575,~~394~~458.3644 5,~~472~~445.2430 1,~~963~~999.9686 B-5 743873AT8 SUB 4.~~15773~~14759% ~~591~~589,~~403~~929.1737 2,~~049~~038.0899 ~~735~~748.4085 B-6 743873AU5 SUB 4.~~15773~~14759% ~~399~~398,~~043~~049.8239 1,~~382~~375.6079 ~~496~~505.2128 Totals ~~347~~331,~~233~~018,~~069~~344.9641 1,~~201~~142,~~614~~542.4417 610,~~857~~432,~~896~~072.7518

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses I-A-1 0.00 ~~231~~217,~~460~~801,~~641~~621.5111 57,~~138~~758,~~042~~101.4953 0.00 I-A-2 0.00 4340,~~377~~817,~~506~~701.8624 ~~962~~1,~~908~~453,927.7498 0.00 I-A-3 0.00 1,~~344~~265,~~702~~348.7174 2945,~~850~~071.1777 0.00 II-A-1 0.00 5148,~~964~~504,~~535~~603.6302 12,~~871~~259,~~066~~800.4632 0.00 A-R 0.00 0.00 0.00 0.00 B-1 0.00 4,~~535~~524,~~732~~312.8430 21,~~382~~407.0276 0.00 B-2 0.00 3,~~351~~342,~~419~~980.1459 15,~~799~~818.0104 0.00 B-3 0.00 1,~~773~~769,~~988~~522.7501 8,~~362~~372.8188 0.00 B-4 0.00 1,~~577~~573,~~430~~458.4058 7,~~436~~445.2016 0.00 B-5 0.00 ~~590~~589,~~667~~180.7753 2,~~784~~787.4884 0.00 B-6 0.00 ~~398~~397,~~547~~544.6211 1,~~878~~881.8107 0.00 Totals 0.00 ~~340~~320,~~375~~586,~~173~~272.23 811,~~059~~574,~~511~~614.1935 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) I-A-1 266,798,000.00 ~~235~~224,~~795~~796,~~522~~042.1509 ~~286~~278,~~618~~785.4975 46,~~048~~715,~~262~~635.1523 0.00 0.00 I-A-2 50,000,000.00 4442,~~189~~128,~~896~~509.8860 5352,~~714~~246.5160 ~~758~~1,~~675~~258,561.5176 0.00 0.00 I-A-3 1,550,000.00 1,~~369~~305,~~886~~983.80 1,~~665~~619.1564 2339,~~518~~015.9441 0.00 0.00 II-A-1 66,667,000.00 5350,~~634~~575,~~753~~308.5545 7371,~~858~~260.1791 1,~~596~~999,~~359~~444.7552 0.00 0.00 A-R 100.00 0.00 0.00 0.00 0.00 0.00 B-1 4,569,000.00 4,~~541~~530,~~380~~062.0169 5,~~647~~750.1738 0.00 0.00 0.00 B-2 3,376,000.00 3,~~355~~347,~~591~~229.7951 4,~~172~~248.6592 0.00 0.00 0.00 B-3 1,787,000.00 1,~~776~~771,~~197~~771.4307 2,~~208~~249.6906 0.00 0.00 0.00 B-4 1,589,000.00 1,~~579~~575,~~394~~458.3644 1,~~963~~999.9686 0.00 0.00 0.00 B-5 595,000.00 ~~591~~589,~~403~~929.1737 ~~735~~748.4085 0.00 0.00 0.00 B-6 401,470.70 ~~399~~398,~~043~~049.8239 ~~496~~505.2128 0.00 0.00 0.00 Totals 397,332,570.70 ~~347~~331,~~233~~018,~~069~~344.9641 ~~431~~419,~~080~~415.4025 610,~~426~~012,~~816~~656.3592 0.00 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 I-A-1 46,~~334~~994,~~880~~420.6498 ~~231~~217,~~460~~801,~~641~~621.5111 0.~~86755014~~81635402 46,~~334~~994,~~880~~420.6498 I-A-2 ~~812~~1,~~390~~310,808.0236 4340,~~377~~817,~~506~~701.8624 0.~~86755014~~81635402 ~~812~~1,~~390~~310,808.0236 I-A-3 2540,~~184~~635.0906 1,~~344~~265,~~702~~348.7174 0.~~86755014~~81635403 2540,~~184~~635.0906 II-A-1 12,~~670~~070,~~217~~705.9243 5148,~~964~~504,~~535~~603.6302 0.~~77946414~~72756541 12,~~670~~070,~~217~~705.9243 A-R 0.00 0.00 0.00000000 0.00 B-1 5,~~647~~750.1738 4,~~535~~524,~~732~~312.8430 0.~~99271894~~99021937 5,~~647~~750.1738 B-2 4,~~172~~248.6592 3,~~351~~342,~~419~~980.1459 0.~~99271894~~99021937 4,~~172~~248.6592 B-3 2,~~208~~249.6906 1,~~773~~769,~~988~~522.7501 0.~~99271894~~99021937 2,~~208~~249.6906 B-4 1,~~963~~999.9686 1,~~577~~573,~~430~~458.4058 0.~~99271894~~99021937 1,~~963~~999.9686 B-5 ~~735~~748.4085 ~~590~~589,~~667~~180.7753 0.~~99271894~~99021938 ~~735~~748.4085 B-6 ~~496~~505.2128 ~~398~~397,~~547~~544.6211 0.~~99271907~~99021949 ~~496~~505.2128 Totals 610,~~857~~432,~~896~~072.7518 ~~340~~320,~~375~~586,~~173~~272.23 0.~~85665057~~80684619 610,~~857~~432,~~896~~072.7518

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion I-A-1 266,798,000.00 ~~883~~842.~~79793758~~57019202 1.~~07429025~~04493193 1525.~~17351011~~17123528 0.00000000 I-A-2 50,000,000.00 ~~883~~842.~~79793760~~57019200 1.~~07429020~~04493200 1525.~~17351020~~17123520 0.00000000 I-A-3 1,550,000.00 ~~883~~842.~~79793548~~57019355 1.~~07429032~~04492903 1525.~~17350968~~17123226 0.00000000 II-A-1 66,667,000.00 ~~804~~758.~~51728066~~62583362 1.~~10786701~~06890831 2329.~~94527652~~99151784 0.00000000 A-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 4,569,000.00 ~~993~~991.~~95491574~~47793609 1.~~23597505~~25856424 0.00000000 0.00000000 B-2 3,376,000.00 ~~993~~991.~~95491410~~47793543 1.~~23597453~~25856635 0.00000000 0.00000000 B-3 1,787,000.00 ~~993~~991.~~95491326~~47793509 1.~~23597650~~25856743 0.00000000 0.00000000 B-4 1,589,000.00 ~~993~~991.~~95491504~~47793581 1.~~23597231~~25856514 0.00000000 0.00000000 B-5 595,000.00 ~~993~~991.~~95490756~~47793277 1.~~23596639~~25857143 0.00000000 0.00000000 B-6 401,470.70 ~~993~~991.~~95502586~~47805805 1.~~23598061~~25857254 0.00000000 0.00000000 (2) All Classes are per 1,000 Denomination.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution I-A-1 0.00000000 1626.~~24780036~~21616721 ~~867~~816.~~55013722~~35402481 0.~~86755014~~81635402 1626.~~24780036~~21616721 I-A-2 0.00000000 1626.~~24780040~~21616720 ~~867~~816.~~55013720~~35402480 0.~~86755014~~81635402 1626.~~24780040~~21616720 I-A-3 0.00000000 1626.~~24780000~~21616774 ~~867~~816.~~55013548~~35402581 0.~~86755014~~81635403 1626.~~24780000~~21616774 II-A-1 0.00000000 2531.~~05314353~~06042615 ~~779~~727.~~46413713~~56540747 0.~~77946414~~72756541 2531.~~05314353~~06042615 A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 1.~~23597505~~25856424 ~~992~~990.~~71894069~~21936967 0.~~99271894~~99021937 1.~~23597505~~25856424 B-2 0.00000000 1.~~23597453~~25856635 ~~992~~990.~~71893957~~21936908 0.~~99271894~~99021937 1.~~23597453~~25856635 B-3 0.00000000 1.~~23597650~~25856743 ~~992~~990.~~71894236~~21936766 0.~~99271894~~99021937 1.~~23597650~~25856743 B-4 0.00000000 1.~~23597231~~25856514 ~~992~~990.~~71894273~~21937067 0.~~99271894~~99021937 1.~~23597231~~25856514 B-5 0.00000000 1.~~23596639~~25857143 ~~992~~990.~~71894118~~21937815 0.~~99271894~~99021938 1.~~23596639~~25857143 B-6 0.00000000 1.~~23598061~~25857254 ~~992~~990.~~71907016~~21948551 0.~~99271907~~99021949 1.~~23598061~~25857254 (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 I-A-1 266,798,000.00 4.~~08741~~07666% ~~235~~224,~~795~~796,~~522~~042.1509 ~~803~~763,~~161~~680.8556 0.00 0.00 I-A-2 50,000,000.00 4.~~08741~~07666% 4442,~~189~~128,~~896~~509.8860 ~~150~~143,~~518~~119.7262 0.00 0.00 I-A-3 1,550,000.00 4.~~08741~~07666% 1,~~369~~305,~~886~~983.80 4,~~666~~436.0871 0.00 0.00 II-A-1 66,667,000.00 4.~~49370~~48665% 5350,~~634~~575,~~753~~308.5545 ~~200~~189,~~848~~094.5590 0.00 0.00 A-R 100.00 4.~~09435~~09001% 0.00 0.00 0.00 0.00 B-1 4,569,000.00 4.~~15773~~14759% 4,~~541~~530,~~380~~062.0169 15,~~734~~657.8538 0.00 0.00 B-2 3,376,000.00 4.~~15773~~14759% 3,~~355~~347,~~591~~229.7951 11,~~626~~569.3612 0.00 0.00 B-3 1,787,000.00 4.~~15773~~14759% 1,~~776~~771,~~197~~771.4307 6,~~154~~123.1282 0.00 0.00 B-4 1,589,000.00 4.~~15773~~14759% 1,~~579~~575,~~394~~458.3644 5,~~472~~445.2430 0.00 0.00 B-5 595,000.00 4.~~15773~~14759% ~~591~~589,~~403~~929.1737 2,~~049~~038.0899 0.00 0.00 B-6 401,470.70 4.~~15773~~14759% ~~399~~398,~~043~~049.8239 1,~~382~~375.6079 0.00 0.00 Totals 397,332,570.70 1,~~201~~142,~~614~~542.4519 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 I-A-1 0.0001 0.00 ~~803~~763,~~161~~680.8555 0.00 ~~231~~217,~~460~~801,~~641~~621.5111 I-A-2 0.00 0.00 ~~150~~143,~~518~~119.7262 0.00 4340,~~377~~817,~~506~~701.8624 I-A-3 0.00 0.00 4,~~666~~436.0871 0.00 1,~~344~~265,~~702~~348.7174 II-A-1 0.01 0.00 ~~200~~189,~~848~~094.5489 0.00 5148,~~964~~504,~~535~~603.6302 A-R 0.00 0.00 0.00 0.00 0.00 B-1 0.00 0.00 15,~~734~~657.8538 0.00 4,~~535~~524,~~732~~312.8430 B-2 0.00 0.00 11,~~626~~569.3612 0.00 3,~~351~~342,~~419~~980.1459 B-3 0.00 0.00 6,~~154~~123.1282 0.00 1,~~773~~769,~~988~~522.7501 B-4 0.00 0.00 5,~~472~~445.2430 0.00 1,~~577~~573,~~430~~458.4058 B-5 0.00 0.00 2,~~049~~038.0899 0.00 ~~590~~589,~~667~~180.7753 B-6 0.00 0.00 1,~~382~~375.6079 0.00 ~~398~~397,~~547~~544.6211 Totals 0.0102 0.00 1,~~201~~142,~~614~~542.4417 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 I-A-1 266,798,000.00 4.~~08741~~07666% ~~883~~842.~~79793758~~57019202 32.~~01037433~~86239237 0.00000000 0.00000000 I-A-2 50,000,000.00 4.~~08741~~07666% ~~883~~842.~~79793760~~57019200 32.~~01037440~~86239240 0.00000000 0.00000000 I-A-3 1,550,000.00 4.~~08741~~07666% ~~883~~842.~~79793548~~57019355 32.~~01037419~~86239355 0.00000000 0.00000000 II-A-1 66,667,000.00 4.~~49370~~48665% ~~804~~758.~~51728066~~62583362 32.~~01271319~~83640932 0.00000000 0.00000000 A-R 100.00 4.~~09435~~09001% 0.00000000 0.00000000 0.00000000 0.00000000 B-1 4,569,000.00 4.~~15773~~14759% ~~993~~991.~~95491574~~47793609 3.~~44382797~~42687240 0.00000000 0.00000000 B-2 3,376,000.00 4.~~15773~~14759% ~~993~~991.~~95491410~~47793543 3.~~44382701~~42687204 0.00000000 0.00000000 B-3 1,787,000.00 4.~~15773~~14759% ~~993~~991.~~95491326~~47793509 3.~~44382764~~42687185 0.00000000 0.00000000 B-4 1,589,000.00 4.~~15773~~14759% ~~993~~991.~~95491504~~47793581 3.~~44382631~~42687225 0.00000000 0.00000000 B-5 595,000.00 4.~~15773~~14759% ~~993~~991.~~95490756~~47793277 3.~~44383193~~42687395 0.00000000 0.00000000 B-6 401,470.70 4.~~15773~~14759% ~~993~~991.~~95502586~~47805805 3.~~44383787~~42687524 0.00000000 0.00000000 (5) All Classes are per 1,000 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 I-A-1 0.~~00000000~~00000004 0.00000000 32.~~01037433~~86239233 0.00000000 ~~867~~816.~~55013722~~35402481 I-A-2 0.00000000 0.00000000 32.~~01037440~~86239240 0.00000000 ~~867~~816.~~55013720~~35402480 I-A-3 0.00000000 0.00000000 32.~~01037419~~86239355 0.00000000 ~~867~~816.~~55013548~~35402581 II-A-1 0.00000015 0.00000000 32.~~01271304~~83640917 0.00000000 ~~779~~727.~~46413713~~56540747 A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 3.~~44382797~~42687240 0.00000000 ~~992~~990.~~71894069~~21936967 B-2 0.00000000 0.00000000 3.~~44382701~~42687204 0.00000000 ~~992~~990.~~71893957~~21936908 B-3 0.00000000 0.00000000 3.~~44382764~~42687185 0.00000000 ~~992~~990.~~71894236~~21936766 B-4 0.00000000 0.00000000 3.~~44382631~~42687225 0.00000000 ~~992~~990.~~71894273~~21937067 B-5 0.00000000 0.00000000 3.~~44383193~~42687395 0.00000000 ~~992~~990.~~71894118~~21937815 B-6 0.00000000 0.00000000 3.~~44383787~~42687524 0.00000000 ~~992~~990.~~71907016~~21948551 (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 811,~~167~~673,~~373~~131.7635 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 38,~~975~~098.4151 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 811,~~171~~681,~~349~~229.1786 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~111~~106,~~837~~615.9851 Payment of Interest and Principal 811,~~059~~574,~~511~~614.1935 Total Withdrawals (Pool Distribution Amount) 811,~~171~~681,~~349~~229.1786 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~108~~103,~~510~~443.3424 Master Servicing Fee 3,~~327~~172.6427 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~111~~106,~~837~~615.9851

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 13 0 0 0 13 ~~231~~1,~~976~~083,009.8056 0.00 0.00 0.00 ~~231~~1,~~976~~083,009.8056 60 Days 10 0 0 0 10 ~~534,191~~0.7200 0.00 0.00 0.00 ~~534,191~~0.7200 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 01 0 0 0 01 0534,191.0072 0.00 0.00 0.00 0534,191.0072 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 24 0 0 0 24 ~~766~~1,~~168~~617,201.5228 0.00 0.00 0.00 ~~766~~1,~~168~~617,201.5228 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.~~126904~~402145% 0.000000% 0.000000% 0.000000% 0.~~126904~~402145% 0.~~068085~~337459% 0.000000% 0.000000% 0.000000% 0.~~068085~~337459% 60 Days 0.~~126904~~000000% 0.000000% 0.000000% 0.000000% 0.~~126904~~000000% 0.~~156785~~000000% 0.000000% 0.000000% 0.000000% 0.~~156785~~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~~134048% 0.000000% 0.000000% 0.000000% 0.~~000000~~134048% 0.~~000000~~166451% 0.000000% 0.000000% 0.000000% 0.~~000000~~166451% 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.~~253807~~536193% 0.000000% 0.000000% 0.000000% 0.~~253807~~536193% 0.~~224871~~503910% 0.000000% 0.000000% 0.000000% 0.~~224871~~503910%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group I 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 ~~231~~1,~~976~~083,009.8056 0.00 0.00 0.00 ~~231~~1,~~976~~083,009.8056 60 Days 10 0 0 0 10 ~~534,191~~0.7200 0.00 0.00 0.00 ~~534,191~~0.7200 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 01 0 0 0 01 0534,191.0072 0.00 0.00 0.00 0534,191.0072 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 24 0 0 0 24 ~~766~~1,~~168~~617,201.5228 0.00 0.00 0.00 ~~766~~1,~~168~~617,201.5228 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~150830~~476948% 0.000000% 0.000000% 0.000000% 0.~~150830~~476948% 0.~~080947~~400737% 0.000000% 0.000000% 0.000000% 0.~~080947~~400737% 60 Days 0.~~150830~~000000% 0.000000% 0.000000% 0.000000% 0.~~150830~~000000% 0.~~186404~~000000% 0.000000% 0.000000% 0.000000% 0.~~186404~~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~~158983% 0.000000% 0.000000% 0.000000% 0.~~000000~~158983% 0.~~000000~~197662% 0.000000% 0.000000% 0.000000% 0.~~000000~~197662% 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.~~301659~~635930% 0.000000% 0.000000% 0.000000% 0.~~301659~~635930% 0.~~267351~~598399% 0.000000% 0.000000% 0.000000% 0.~~267351~~598399% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group II No of Loans No of Loans No of Loans No of Loans No of Loans Principal Balance Principal Balance Principal Balance Principal Balance Principal Balance 0-29 Days 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 38,~~975~~098.4151

CREDIT ENHANCEMENT Original $ Original % Current $ Current % Bankruptcy 100,000.00 0.02516783% 100,000.00 0.~~02937935~~03119285% Fraud 11,919,977.00 2.99999997% 11,919,977.00 3.~~50201129~~71818073% Special Hazard 7,866,915.00 1.97993207% 54,~~534~~809,~~596~~861.3789 1.~~62602822~~50033308% Limit of Subordinate's Exposure to Certain Types of Losses

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~539150~~528417% Weighted Average Net Coupon 4.~~164150~~153417% Weighted Average Pass-Through Rate 4.~~152650~~141917% Weighted Average Maturity (Stepdown Calculation) ~~350~~348 Beginning Scheduled Collateral Loan Count ~~804~~769 Number Of Loans Paid In Full 1623 Ending Scheduled Collateral Loan Count ~~788~~746 Beginning Scheduled Collateral Balance ~~347~~331,~~233~~018,~~069~~344.9236 Ending Scheduled Collateral Balance ~~340~~320,~~375~~586,~~173~~272.1819 Ending Actual Collateral Balance at 31-~~Aug~~Oct-2004 ~~340~~320,~~715~~930,~~353~~868.5641 Monthly P &I Constant 1,~~744~~668,~~532~~572.8293 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans ~~340~~320,~~375~~586,~~173~~272.1819 Scheduled Principal ~~431~~419,~~080~~415.3924 Unscheduled Principal 610,~~426~~012,~~816~~656.3593

Miscellaneous Reporting Group I One-Year CMT Indexed Loans ~~241~~229,~~256~~385,~~427~~608.8436 Group II One-Year CMT Indexed Loans 5350,~~946~~480,~~828~~977.3938 Group I One-Year LIBOR Indexed Loans 4540,~~038~~586,~~316~~086.9545 Group II One-Year LIBOR Indexed Loans 133,600.00 Group 1 Senior % 96.~~526617~~371377% Group II Senior % 9695.~~199686~~989711% Group I Subordinate % 3.~~473383~~628623% Group II Subordinate % 34.~~800314~~010289% Group I Senior Prepayment % 100.000000% Group II Senior Prepayment % 100.000000% Group I Subordinate Prepayment % 0.000000% Group II Subordinate Prepayment % 0.000000%

Group Level Collateral Statement Group Group I Group II Total Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~473915~~463158 4.~~880196~~873153 4.~~539150~~528417 Weighted Average Net Rate 4.~~098915~~088158 4.~~505196~~498153 4.~~164150~~153417 Weighted Average Maturity ~~351~~349 ~~346~~344 ~~350~~348 Beginning Loan Count ~~675~~647 ~~129~~122 ~~804~~769 Loans Paid In Full 1218 45 1623 Ending Loan Count ~~663~~629 ~~125~~117 ~~788~~746 Beginning Scheduled Balance ~~291~~278,~~479~~330,~~505~~084.8939 5552,~~753~~688,~~564~~259.0397 ~~347~~331,~~233~~018,~~069~~344.9236 Ending scheduled Balance ~~286~~269,~~294~~971,~~744~~694.7981 5450,~~080~~614,~~428~~577.3938 ~~340~~320,~~375~~586,~~173~~272.1819 Record Date 0810/31/2004 0810/31/2004 0810/31/2004 Principal And Interest Constant 1,~~441~~380,~~016~~369.6888 ~~303~~288,~~516~~203.1405 1,~~744~~668,~~532~~572.8293 Scheduled Principal ~~354~~345,~~304~~177.5017 7674,~~775~~238.8907 ~~431~~419,~~080~~415.3924 Unscheduled Principal 48,~~830~~013,~~456~~212.6041 1,~~596~~999,~~359~~444.7552 610,~~426~~012,~~816~~656.3593 Scheduled Interest 1,~~086~~035,~~712~~192.1871 ~~226~~213,~~740~~964.2598 1,~~313~~249,~~452~~157.4369 Servicing Fees 9186,~~087~~978.3516 1716,~~422~~465.9908 ~~108~~103,~~510~~443.3424 Master Servicing Fees 2,~~793~~667.3334 ~~534~~504.3193 3,~~327~~172.6427 Trustee Fee 0.00 0.00 0.00 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 ~~992~~945,~~831~~547.5021 ~~208~~196,~~782~~994.9597 1,~~201~~142,~~614~~542.4518 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 4.~~087415~~076658 4.~~493696~~486653 4.~~152650~~141917

Filing Compare · GREENWICH CAPITAL ACC INC PROVIDENT FUND MORT LOAN TR 2004 1