8-K 1 prf04001_dec.txt DECEMBER 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): December 27, 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 December 27, 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 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. 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: 1/3/2005 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 December 27, 2004 distribution. EX-99.1

Provident Residential Funding Mortgage Pass-Through Certificates Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~PRF~~Provident Residential Funding Mortgage Pass-Through Certificates 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.~~07666~~07410% ~~224~~217,~~796~~801,~~042~~621.0911 ~~763~~739,~~680~~455.5513 6,~~994~~821,~~420~~816.9860 I-A-2 743873AL5 SEN 4.~~07666~~07410% 4240,~~128~~817,~~509~~701.6024 ~~143~~138,~~119~~579.6259 1,~~310~~278,~~808~~460.3697 I-A-3 743873AM3 SEN 4.~~07666~~07410% 1,~~305~~265,~~983~~348.8074 4,~~436~~295.7197 4039,~~635~~632.0629 II-A-1 743873AN1 SEN 4.~~48665~~48251% 5048,~~575~~504,~~308~~603.4502 ~~189~~181,~~094~~185.8937 21,~~070~~815,~~705~~879.4361 A-R 743873AV3 SEN 4.~~09001~~08804% 0.00 0.00 0.00 B-1 743873AP6 SUB 4.~~14759~~14475% 4,~~530~~524,~~062~~312.6930 15,~~657~~626.3880 5,~~750~~813.3886 B-2 743873AQ4 SUB 4.~~14759~~14475% 3,~~347~~342,~~229~~980.5159 11,~~569~~546.1253 4,~~248~~295.9282 B-3 743873AR2 SUB 4.~~14759~~14475% 1,~~771~~769,~~771~~522.0701 6,~~123~~111.8286 2,~~249~~273.0688 B-4 743873AS0 SUB 4.~~14759~~14475% 1,~~575~~573,458.4458 5,~~445~~434.3067 12,~~999~~021.8693 B-5 743873AT8 SUB 4.~~14759~~14475% 589,~~929~~180.3753 2,~~038~~035.9901 ~~748~~757.8511 B-6 743873AU5 SUB 4.~~14759~~14475% ~~398~~397,~~049~~544.3911 1,~~375~~373.7910 ~~505~~510.2885 Totals ~~331~~320,~~018~~586,~~344~~272.4123 1,~~142~~105,~~542~~644.1703 109,~~432~~971,~~072~~462.1892

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses I-A-1 0.00 ~~217~~210,~~801~~979,~~621~~804.1151 7,~~758~~561,~~101~~271.5373 0.00 I-A-2 0.00 4039,~~817~~539,~~701~~240.2427 1,~~453~~417,~~927~~040.9856 0.00 I-A-3 0.00 1,~~265~~225,~~348~~716.74 45 43,~~071~~928.7726 0.00 II-A-1 0.00 4846,~~504~~688,~~603~~723.0241 21,~~259~~997,~~800~~064.3298 0.00 A-R 0.00 0.00 0.00 0.00 B-1 0.00 4,~~524~~518,~~312~~498.3045 21,~~407~~440.7666 0.00 B-2 0.00 3,~~342~~338,~~980~~684.5978 15,~~818~~842.0435 0.00 B-3 0.00 1,~~769~~767,~~522~~248.0113 8,~~372~~385.8874 0.00 B-4 0.00 1,~~573~~571,~~458~~436.5864 7,~~445~~456.1660 0.00 B-5 0.00 ~~589~~588,~~180~~423.5341 2,~~787~~792.8412 0.00 B-6 0.00 397,~~544~~033.1126 1,~~881~~883.0795 0.00 Totals 0.00 ~~320~~310,~~586~~614,~~272~~809.2331 11,~~574~~077,~~614~~106.3595 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 ~~224~~217,~~796~~801,~~042~~621.0911 ~~278~~273,~~785~~635.7516 6,~~715~~548,~~635~~181.2344 0.00 0.00 I-A-2 50,000,000.00 4240,~~128~~817,~~509~~701.6024 5251,~~246~~281.6034 1,~~258~~227,~~561~~179.7663 0.00 0.00 I-A-3 1,550,000.00 1,~~305~~265,~~983~~348.8074 1,~~619~~589.6472 3938,~~015~~042.4157 0.00 0.00 II-A-1 66,667,000.00 5048,~~575~~504,~~308~~603.4502 7168,~~260~~978.9192 1,~~999~~746,~~444~~900.5269 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,~~530~~524,~~062~~312.6930 5,~~750~~813.3886 0.00 0.00 0.00 B-2 3,376,000.00 3,~~347~~342,~~229~~980.5159 4,~~248~~295.9282 0.00 0.00 0.00 B-3 1,787,000.00 1,~~771~~769,~~771~~522.0701 2,~~249~~273.0688 0.00 0.00 0.00 B-4 1,589,000.00 1,~~575~~573,458.4458 12,~~999~~021.8693 0.00 0.00 0.00 B-5 595,000.00 589,~~929~~180.3753 ~~748~~757.8511 0.00 0.00 0.00 B-6 401,470.70 ~~398~~397,~~049~~544.3911 ~~505~~510.2885 0.00 0.00 0.00 Totals 397,332,570.70 ~~331~~320,~~018~~586,~~344~~272.4123 ~~419~~411,~~415~~158.2559 109,~~012~~560,~~656~~304.9233 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 6,~~994~~821,~~420~~816.9860 ~~217~~210,~~801~~979,~~621~~804.1151 0.~~81635402~~79078481 6,~~994~~821,~~420~~816.9860 I-A-2 1,~~310~~278,~~808~~460.3697 4039,~~817~~539,~~701~~240.2427 0.~~81635402~~79078481 1,~~310~~278,~~808~~460.3697 I-A-3 4039,~~635~~632.0629 1,~~265~~225,~~348~~716.7445 0.~~81635403~~79078481 4039,~~635~~632.0629 II-A-1 21,~~070~~815,~~705~~879.4361 4846,~~504~~688,~~603~~723.0241 0.~~72756541~~70032735 21,~~070~~815,~~705~~879.4361 A-R 0.00 0.00 0.00000000 0.00 B-1 5,~~750~~813.3886 4,~~524~~518,~~312~~498.3045 0.~~99021937~~98894691 5,~~750~~813.3886 B-2 4,~~248~~295.9282 3,~~342~~338,~~980~~684.5978 0.~~99021937~~98894691 4,~~248~~295.9282 B-3 2,~~249~~273.0688 1,~~769~~767,~~522~~248.0113 0.~~99021937~~98894691 2,~~249~~273.0688 B-4 12,~~999~~021.8693 1,~~573~~571,~~458~~436.5864 0.~~99021937~~98894691 12,~~999~~021.8693 B-5 ~~748~~757.8511 ~~589~~588,~~180~~423.5341 0.~~99021938~~98894691 ~~748~~757.8511 B-6 ~~505~~510.2885 397,~~544~~033.1126 0.~~99021949~~98894704 ~~505~~510.2885 Totals 109,~~432~~971,~~072~~462.1892 ~~320~~310,~~586~~614,~~272~~809.2331 0.~~80684619~~78175018 109,~~432~~971,~~072~~462.1892

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 ~~842~~816.~~57019202~~35402481 1.~~04493193~~02562673 2524.~~17123528~~54359268 0.00000000 I-A-2 50,000,000.00 ~~842~~816.~~57019200~~35402480 1.~~04493200~~02562680 2524.~~17123520~~54359260 0.00000000 I-A-3 1,550,000.00 ~~842~~816.~~57019355~~35402581 1.~~04492903~~02562581 2524.~~17123226~~54359355 0.00000000 II-A-1 66,667,000.00 ~~758~~727.~~62583362~~56540747 1.~~06890831~~03467863 2926.~~99151784~~20337933 0.00000000 A-R 100.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 4,569,000.00 ~~991~~990.~~47793609~~21936967 1.~~25856424~~27245787 0.00000000 0.00000000 B-2 3,376,000.00 ~~991~~990.~~47793543~~21936908 1.~~25856635~~27245853 0.00000000 0.00000000 B-3 1,787,000.00 ~~991~~990.~~47793509~~21936766 1.~~25856743~~27245663 0.00000000 0.00000000 B-4 1,589,000.00 ~~991~~990.~~47793581~~21937067 1.~~25856514~~27245437 0.00000000 0.00000000 B-5 595,000.00 ~~991~~990.~~47793277~~21937815 1.~~25857143~~27245378 0.00000000 0.00000000 B-6 401,470.70 ~~991~~990.~~47805805~~21948551 1.~~25857254~~27244653 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 2625.~~21616721~~56921941 ~~816~~790.~~35402481~~78480540 0.~~81635402~~79078481 2625.~~21616721~~56921941 I-A-2 0.00000000 2625.~~21616720~~56921940 ~~816~~790.~~35402480~~78480540 0.~~81635402~~79078481 2625.~~21616720~~56921940 I-A-3 0.00000000 2625.~~21616774~~56921935 ~~816~~790.~~35402581~~78480645 0.~~81635403~~79078481 2625.~~21616774~~56921935 II-A-1 0.00000000 3127.~~06042615~~23805796 ~~727~~700.~~56540747~~32734951 0.~~72756541~~70032735 3127.~~06042615~~23805796 A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 1.~~25856424~~27245787 ~~990~~988.~~21936967~~94691399 0.~~99021937~~98894691 1.~~25856424~~27245787 B-2 0.00000000 1.~~25856635~~27245853 ~~990~~988.~~21936908~~94691351 0.~~99021937~~98894691 1.~~25856635~~27245853 B-3 0.00000000 1.~~25856743~~27245663 ~~990~~988.~~21936766~~94691102 0.~~99021937~~98894691 1.~~25856743~~27245663 B-4 0.00000000 1.~~25856514~~27245437 ~~990~~988.~~21937067~~94691001 0.~~99021937~~98894691 1.~~25856514~~27245437 B-5 0.00000000 1.~~25857143~~27245378 ~~990~~988.~~21937815~~94690756 0.~~99021938~~98894691 1.~~25857143~~27245378 B-6 0.00000000 1.~~25857254~~27244653 ~~990~~988.~~21948551~~94703897 0.~~99021949~~98894704 1.~~25857254~~27244653 (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.~~07666~~07410% ~~224~~217,~~796~~801,~~042~~621.0911 ~~763~~739,~~680~~455.5613 0.00 0.00 I-A-2 50,000,000.00 4.~~07666~~07410% 4240,~~128~~817,~~509~~701.6024 ~~143~~138,~~119~~579.6259 0.00 0.00 I-A-3 1,550,000.00 4.~~07666~~07410% 1,~~305~~265,~~983~~348.8074 4,~~436~~295.7197 0.00 0.00 II-A-1 66,667,000.00 4.~~48665~~48251% 5048,~~575~~504,~~308~~603.4502 ~~189~~181,~~094~~185.9037 0.00 0.00 A-R 100.00 4.~~09001~~08804% 0.00 0.00 0.00 0.00 B-1 4,569,000.00 4.~~14759~~14475% 4,~~530~~524,~~062~~312.6930 15,~~657~~626.3880 0.00 0.00 B-2 3,376,000.00 4.~~14759~~14475% 3,~~347~~342,~~229~~980.5159 11,~~569~~546.1253 0.00 0.00 B-3 1,787,000.00 4.~~14759~~14475% 1,~~771~~769,~~771~~522.0701 6,~~123~~111.8286 0.00 0.00 B-4 1,589,000.00 4.~~14759~~14475% 1,~~575~~573,458.4458 5,~~445~~434.3067 0.00 0.00 B-5 595,000.00 4.~~14759~~14475% 589,~~929~~180.3753 2,~~038~~035.9901 0.00 0.00 B-6 401,470.70 4.~~14759~~14475% ~~398~~397,~~049~~544.3911 1,~~375~~373.7910 0.00 0.00 Totals 397,332,570.70 1,~~142~~105,~~542~~644.1903 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 0.0100 0.00 ~~763~~739,~~680~~455.5513 0.00 ~~217~~210,~~801~~979,~~621~~804.1151 I-A-2 0.00 0.00 ~~143~~138,~~119~~579.6259 0.00 4039,~~817~~539,~~701~~240.2427 I-A-3 0.00 0.00 4,~~436~~295.7197 0.00 1,~~265~~225,~~348~~716.7445 II-A-1 0.0100 0.00 ~~189~~181,~~094~~185.8937 0.00 4846,~~504~~688,~~603~~723.0241 A-R 0.00 0.00 0.00 0.00 0.00 B-1 0.00 0.00 15,~~657~~626.3880 0.00 4,~~524~~518,~~312~~498.3045 B-2 0.00 0.00 11,~~569~~546.1253 0.00 3,~~342~~338,~~980~~684.5978 B-3 0.00 0.00 6,~~123~~111.8286 0.00 1,~~769~~767,~~522~~248.0113 B-4 0.00 0.00 5,~~445~~434.3067 0.00 1,~~573~~571,~~458~~436.5864 B-5 0.00 0.00 2,~~038~~035.9901 0.00 ~~589~~588,~~180~~423.5341 B-6 0.00 0.00 1,~~375~~373.7910 0.00 397,~~544~~033.1126 Totals 0.0200 0.00 1,~~142~~105,~~542~~644.1703 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.~~07666~~07410% ~~842~~816.~~57019202~~35402481 2.~~86239237~~77159173 0.00000000 0.00000000 I-A-2 50,000,000.00 4.~~07666~~07410% ~~842~~816.~~57019200~~35402480 2.~~86239240~~77159180 0.00000000 0.00000000 I-A-3 1,550,000.00 4.~~07666~~07410% ~~842~~816.~~57019355~~35402581 2.~~86239355~~77159355 0.00000000 0.00000000 II-A-1 66,667,000.00 4.~~48665~~48251% ~~758~~727.~~62583362~~56540747 2.~~83640932~~71776696 0.00000000 0.00000000 A-R 100.00 4.~~09001~~08804% 0.00000000 0.00000000 0.00000000 0.00000000 B-1 4,569,000.00 4.~~14759~~14475% ~~991~~990.~~47793609~~21936967 3.~~42687240~~42017947 0.00000000 0.00000000 B-2 3,376,000.00 4.~~14759~~14475% ~~991~~990.~~47793543~~21936908 3.~~42687204~~42018069 0.00000000 0.00000000 B-3 1,787,000.00 4.~~14759~~14475% ~~991~~990.~~47793509~~21936766 3.~~42687185~~42017907 0.00000000 0.00000000 B-4 1,589,000.00 4.~~14759~~14475% ~~991~~990.~~47793581~~21937067 3.~~42687225~~42018250 0.00000000 0.00000000 B-5 595,000.00 4.~~14759~~14475% ~~991~~990.~~47793277~~21937815 3.~~42687395~~42018487 0.00000000 0.00000000 B-6 401,470.70 4.~~14759~~14475% ~~991~~990.~~47805805~~21948551 3.~~42687524~~42017487 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.~~00000004~~00000000 0.00000000 2.~~86239233~~77159173 0.00000000 ~~816~~790.~~35402481~~78480540 I-A-2 0.00000000 0.00000000 2.~~86239240~~77159180 0.00000000 ~~816~~790.~~35402480~~78480540 I-A-3 0.00000000 0.00000000 2.~~86239355~~77159355 0.00000000 ~~816~~790.~~35402581~~78480645 II-A-1 0.~~00000015~~00000000 0.00000000 2.~~83640917~~71776696 0.00000000 ~~727~~700.~~56540747~~32734951 A-R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 3.~~42687240~~42017947 0.00000000 ~~990~~988.~~21936967~~94691399 B-2 0.00000000 0.00000000 3.~~42687204~~42018069 0.00000000 ~~990~~988.~~21936908~~94691351 B-3 0.00000000 0.00000000 3.~~42687185~~42017907 0.00000000 ~~990~~988.~~21936766~~94691102 B-4 0.00000000 0.00000000 3.~~42687225~~42018250 0.00000000 ~~990~~988.~~21937067~~94691001 B-5 0.00000000 0.00000000 3.~~42687395~~42018487 0.00000000 ~~990~~988.~~21937815~~94690756 B-6 0.00000000 0.00000000 3.~~42687524~~42017487 0.00000000 ~~990~~988.~~21948551~~94703897 (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 11,~~673~~177,~~131~~266.3598 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 83,~~098~~095.5146 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 11,~~681~~180,~~229~~362.8644 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~106~~103,~~615~~255.5149 Payment of Interest and Principal 11,~~574~~077,~~614~~106.3595 Total Withdrawals (Pool Distribution Amount) 11,~~681~~180,~~229~~362.8644 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~103~~100,~~443~~183.2420 Master Servicing Fee 3,~~172~~072.2729 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~106~~103,~~615~~255.5149

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 32 0 0 0 32 1639,~~083,009~~710.5698 0.00 0.00 0.00 1639,~~083,009~~710.5698 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 10 0 0 0 10 ~~534,191~~0.7200 0.00 0.00 0.00 ~~534,191~~0.7200 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 42 0 0 0 42 1639,~~617,201~~710.2898 0.00 0.00 0.00 1639,~~617,201~~710.2898 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.~~402145~~275103% 0.000000% 0.000000% 0.000000% 0.~~402145~~275103% 0.~~337459~~205733% 0.000000% 0.000000% 0.000000% 0.~~337459~~205733% 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.~~134048~~000000% 0.000000% 0.000000% 0.000000% 0.~~134048~~000000% 0.~~166451~~000000% 0.000000% 0.000000% 0.000000% 0.~~166451~~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.~~536193~~275103% 0.000000% 0.000000% 0.000000% 0.~~536193~~275103% 0.~~503910~~205733% 0.000000% 0.000000% 0.000000% 0.~~503910~~205733%

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 32 0 0 0 32 1639,~~083,009~~710.5698 0.00 0.00 0.00 1639,~~083,009~~710.5698 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 10 0 0 0 10 ~~534,191~~0.7200 0.00 0.00 0.00 ~~534,191~~0.7200 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 42 0 0 0 42 1639,~~617,201~~710.2898 0.00 0.00 0.00 1639,~~617,201~~710.2898 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~476948~~326797% 0.000000% 0.000000% 0.000000% 0.~~476948~~326797% 0.~~400737~~244086% 0.000000% 0.000000% 0.000000% 0.~~400737~~244086% 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.~~158983~~000000% 0.000000% 0.000000% 0.000000% 0.~~158983~~000000% 0.~~197662~~000000% 0.000000% 0.000000% 0.000000% 0.~~197662~~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.~~635930~~326797% 0.000000% 0.000000% 0.000000% 0.~~635930~~326797% 0.~~598399~~244086% 0.000000% 0.000000% 0.000000% 0.~~598399~~244086% 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 83,~~098~~095.5146

CREDIT ENHANCEMENT Original $ Original % Current $ Current % Bankruptcy 100,000.00 0.02516783% 100,000.00 0.~~03119285~~03219422% Fraud 11,919,977.00 2.99999997% 11,919,977.00 3.~~71818073~~83754304% Special Hazard 7,866,915.00 1.97993207% 4,809,861.89 1.~~50033308~~54849729% Limit of Subordinate's Exposure to Certain Types of Losses

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~528417~~525083% Weighted Average Net Coupon 4.~~153417~~150083% Weighted Average Pass-Through Rate 4.~~141917~~138583% Weighted Average Maturity (Stepdown Calculation) ~~348~~347 Beginning Scheduled Collateral Loan Count ~~769~~746 Number Of Loans Paid In Full 2319 Ending Scheduled Collateral Loan Count ~~746~~727 Beginning Scheduled Collateral Balance ~~331~~320,~~018~~586,~~344~~272.3619 Ending Scheduled Collateral Balance ~~320~~310,~~586~~614,~~272~~809.1926 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~320~~310,~~930~~942,~~868~~113.4157 Monthly P &I Constant 1,~~668~~620,~~572~~058.9312 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 ~~320~~310,~~586~~614,~~272~~809.1926 Scheduled Principal ~~419~~411,~~415~~158.2460 Unscheduled Principal 109,~~012~~560,~~656~~304.9333

Miscellaneous Reporting Group I One-Year CMT Indexed Loans ~~229~~222,~~385~~245,~~608~~512.3698 Group II One-Year CMT Indexed Loans 5048,~~480~~662,~~977~~097.3815 Group I One-Year LIBOR Indexed Loans 4039,~~586~~573,~~086~~599.4513 Group II One-Year LIBOR Indexed Loans 133,600.00 Group 1 Senior % 96.~~371377~~263674% Group II Senior % 95.~~989711~~831291% Group I Subordinate % 3.~~628623~~736326% Group II Subordinate % 4.~~010289~~168709% 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.~~463158~~460603 4.~~873153~~869012 4.~~528417~~525083 Weighted Average Net Rate 4.~~088158~~085603 4.~~498153~~494012 4.~~153417~~150083 Weighted Average Maturity ~~349~~348 ~~344~~343 ~~348~~347 Beginning Loan Count ~~647~~629 ~~122~~117 ~~769~~746 Loans Paid In Full 1817 52 2319 Ending Loan Count ~~629~~612 ~~117~~115 ~~746~~727 Beginning Scheduled Balance ~~278~~269,~~330~~971,~~084~~694.3981 5250,~~688~~614,~~259~~577.9738 ~~331~~320,~~018~~586,~~344~~272.3619 Ending scheduled Balance ~~269~~261,~~971~~819,~~694~~112.8111 5048,~~614~~795,~~577~~697.3815 ~~320~~310,~~586~~614,~~272~~809.1926 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~380~~342,~~369~~709.8844 ~~288~~277,~~203~~348.0568 1,~~668~~620,~~572~~058.9312 Scheduled Principal ~~345~~339,~~177~~179.1706 7471,~~238~~979.0754 ~~419~~411,~~415~~158.2460 Unscheduled Principal 87,~~013~~813,~~212~~403.4164 1,~~999~~746,~~444~~900.5269 109,~~012~~560,~~656~~304.9333 Scheduled Interest 1,~~035~~003,~~192~~530.7138 ~~213~~205,~~964~~369.9814 1,~~249~~208,~~157~~899.6952 Servicing Fees 8684,~~978~~366.1615 1615,~~465~~817.0805 ~~103~~100,~~443~~183.2420 Master Servicing Fees 2,~~667~~587.3424 ~~504~~485.9305 3,~~172~~072.2729 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 ~~945~~916,~~547~~576.2199 ~~196~~189,~~994~~067.9704 1,~~142~~105,~~542~~644.1803 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.~~076658~~074103 4.~~486653~~482512 4.~~141917~~138583

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