8-K 1 cit04op1_dec.txt DECEMBER 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): December 27, 2004 CITIGROUP MORTGAGE LOAN TRUST INC. Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-117349-02 54-2161189 Pooling and Servicing Agreement) (Commission 54-2161190 (State or other File Number) 54-2161191 jurisdiction 54-2161192 of Incorporation) 54-2161193 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 CITIGROUP MORTGAGE LOAN TRUST INC., Asset Backed Pass-Through Certificates, Series 2004-OP1 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-OP1 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. CITIGROUP MORTGAGE LOAN TRUST INC. Asset Backed Pass-Through Certificates, Series 2004-OP1 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: 1/5/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Pass-Through Certificates, Series 2004-OP1 Trust, relating to the December 27, 2004 distribution. EX-99.1

Citigroup Mortgage Loan Trust Inc. ~~Mortgage~~Asset Backed Pass-Through Certificates Record Date: 1011/3130/042004 Distribution Date: 1112/2627/042004 ~~CMLTI~~Citigroup Mortgage Loan Trust Inc. Asset Backed Pass-Through Certificates Series: 2004-OP1 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-1A 17307GJE9 SEN 2.~~23250~~48000% ~~959~~942,~~415~~868,~~162~~450.0638 12,~~903~~013,~~906~~547.0996 1619,~~546~~412,~~711~~069.6826 A-1B 17307GJF6 SEN 2.~~34250~~59000% ~~106~~104,~~602~~763,~~122~~591.0700 ~~221~~233,~~969~~651.3191 12,~~838~~156,~~531~~905.0643 A-2 17307GJG4 SEN 2.~~29250~~54000% ~~280~~274,~~186~~800,~~141~~059.8232 ~~570~~601,~~957~~048.0980 56,~~386~~213,~~082~~161.5059 M-1 17307GJH2 MEZ 2.~~48250~~73000% 28,681,000.00 6367,~~289~~424.4125 0.00 M-2 17307GJJ8 MEZ 2.~~54250~~79000% 26,223,000.00 5963,~~263~~000.9876 0.00 M-3 17307GJK5 MEZ 2.~~56250~~81000% 43,431,000.00 98105,~~926~~090.1796 0.00 M-4 17307GJL3 MEZ 2.~~60250~~85000% 22,945,000.00 5356,~~079~~310.4385 0.00 M-5 17307GJM1 MEZ 23.~~98250~~23000% 23,764,000.00 6366,~~001~~096.0093 0.00 M-6 17307GJN9 MEZ 3.~~01250~~26000% 17,209,000.00 4648,~~081~~309.8849 0.00 M-7 17307GJP4 MEZ 3.~~28250~~53000% 16,389,000.00 4749,~~819~~818.4601 0.00 M-8 17307GJQ2 MEZ 3.~~68250~~93000% 11,472,000.00 3738,~~551~~823.6816 0.00 M-9 17307GJR0 MEZ 3.~~73250~~98000% 16,390,000.00 5456,~~378~~172.3817 0.00 M-10 17307GJS8 MEZ 5.~~28250~~53000% 12,292,000.00 5758,~~717~~533.7782 0.00 M-11 17307GJT6 MEZ 4.~~68250~~93000% 9,014,000.00 3738,~~518~~266.2793 0.00 M-12 17307GJU3 MEZ 4.~~43250~~68000% 9,833,000.00 3839,~~742~~626.0299 0.00 M-13 17307GJV1 MEZ 4.~~43250~~68000% 8,195,000.00 3233,~~288~~025.3085 0.00 M-14 17307GJW9 MEZ 34.~~93250~~18000% 16,389,000.00 5758,~~288~~991.6629 0.00 CE CIT04OP1C SEN 0.00000% 8,194,~~932~~595.0015 5,~~441~~130,~~918~~122.1662 0.00 P CIT04OP1P SEN 0.00000% 100.00 ~~316~~487,~~086~~597.0365 0.00 R-I CIT04P1R1 RES 0.00000% 0.00 0.00 0.00 R-II CIT04P1R2 RES 0.00000% 0.00 0.00 0.00 Totals 1,~~616~~592,~~625~~853,~~457~~795.9585 9,~~201~~245,~~783~~460.0940 2327,~~771~~782,~~325~~136.2428

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1A 0.00 ~~942~~923,~~868~~456,~~450~~381.3813 1821,~~450~~425,617.7722 0.00 A-1B 0.00 ~~104~~102,~~763~~606,~~591~~685.0057 2,~~060~~390,~~500~~557.3734 0.00 A-2 0.00 ~~274~~268,~~800~~586,~~059~~897.3273 56,~~957~~814,~~039~~210.5939 0.00 M-1 0.00 28,681,000.00 6367,~~289~~424.4125 0.00 M-2 0.00 26,223,000.00 5963,~~263~~000.9876 0.00 M-3 0.00 43,431,000.00 98105,~~926~~090.1796 0.00 M-4 0.00 22,945,000.00 5356,~~079~~310.4385 0.00 M-5 0.00 23,764,000.00 6366,~~001~~096.0093 0.00 M-6 0.00 17,209,000.00 4648,~~081~~309.8849 0.00 M-7 0.00 16,389,000.00 4749,~~819~~818.4601 0.00 M-8 0.00 11,472,000.00 3738,~~551~~823.6816 0.00 M-9 0.00 16,390,000.00 5456,~~378~~172.3817 0.00 M-10 0.00 12,292,000.00 5758,~~717~~533.7782 0.00 M-11 0.00 9,014,000.00 3738,~~518~~266.2793 0.00 M-12 0.00 9,833,000.00 3839,~~742~~626.0299 0.00 M-13 0.00 8,195,000.00 3233,~~288~~025.3085 0.00 M-14 0.00 16,389,000.00 5758,~~288~~991.6629 0.00 CE 0.00 8,194,595.15 5,~~441~~130,~~918~~122.1662 0.00 P 0.00 100.00 ~~316~~487,~~086~~597.0365 0.00 R-I 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 Totals 0.00 1,~~592~~565,~~853~~071,~~795~~659.8558 3237,~~973~~027,~~108~~596.3368 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-1A 974,885,000.00 ~~959~~942,~~415~~868,~~162~~450.0638 0.00 1619,~~546~~412,~~711~~069.6826 0.00 0.00 A-1B 108,321,000.00 ~~106~~104,~~602~~763,~~122~~591.0700 0.00 12,~~838~~156,~~531~~905.0643 0.00 0.00 A-2 285,291,000.00 ~~280~~274,~~186~~800,~~141~~059.8232 0.00 56,~~386~~213,~~082~~161.5059 0.00 0.00 M-1 28,681,000.00 28,681,000.00 0.00 0.00 0.00 0.00 M-2 26,223,000.00 26,223,000.00 0.00 0.00 0.00 0.00 M-3 43,431,000.00 43,431,000.00 0.00 0.00 0.00 0.00 M-4 22,945,000.00 22,945,000.00 0.00 0.00 0.00 0.00 M-5 23,764,000.00 23,764,000.00 0.00 0.00 0.00 0.00 M-6 17,209,000.00 17,209,000.00 0.00 0.00 0.00 0.00 M-7 16,389,000.00 16,389,000.00 0.00 0.00 0.00 0.00 M-8 11,472,000.00 11,472,000.00 0.00 0.00 0.00 0.00 M-9 16,390,000.00 16,390,000.00 0.00 0.00 0.00 0.00 M-10 12,292,000.00 12,292,000.00 0.00 0.00 0.00 0.00 M-11 9,014,000.00 9,014,000.00 0.00 0.00 0.00 0.00 M-12 9,833,000.00 9,833,000.00 0.00 0.00 0.00 0.00 M-13 8,195,000.00 8,195,000.00 0.00 0.00 0.00 0.00 M-14 16,389,000.00 16,389,000.00 0.00 0.00 0.00 0.00 CE 8,194,931.73 8,194,~~932~~595.0015 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R-I 0.00 0.00 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 0.00 0.00 Totals 1,638,919,031.73 1,~~616~~592,~~625~~853,~~457~~795.9585 0.00 2327,~~771~~782,~~325~~136.2428 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 A-1A 1619,~~546~~412,~~711~~069.6826 ~~942~~923,~~868~~456,~~450~~381.3813 0.~~96715864~~94724648 1619,~~546~~412,~~711~~069.6826 A-1B 12,~~838~~156,~~531~~905.0643 ~~104~~102,~~763~~606,~~591~~685.0057 0.~~96715864~~94724648 12,~~838~~156,~~531~~905.0643 A-2 56,~~386~~213,~~082~~161.5059 ~~274~~268,~~800~~586,~~059~~897.3273 0.~~96322723~~94144890 56,~~386~~213,~~082~~161.5059 M-1 0.00 28,681,000.00 1.00000000 0.00 M-2 0.00 26,223,000.00 1.00000000 0.00 M-3 0.00 43,431,000.00 1.00000000 0.00 M-4 0.00 22,945,000.00 1.00000000 0.00 M-5 0.00 23,764,000.00 1.00000000 0.00 M-6 0.00 17,209,000.00 1.00000000 0.00 M-7 0.00 16,389,000.00 1.00000000 0.00 M-8 0.00 11,472,000.00 1.00000000 0.00 M-9 0.00 16,390,000.00 1.00000000 0.00 M-10 0.00 12,292,000.00 1.00000000 0.00 M-11 0.00 9,014,000.00 1.00000000 0.00 M-12 0.00 9,833,000.00 1.00000000 0.00 M-13 0.00 8,195,000.00 1.00000000 0.00 M-14 0.00 16,389,000.00 1.00000000 0.00 CE 0.00 8,194,595.15 0.99995893 0.00 P 0.00 100.00 1.00000000 0.00 R-I 0.00 0.00 0.00000000 0.00 R-II 0.00 0.00 0.00000000 0.00 Totals 2327,~~771~~782,~~325~~136.2428 1,~~592~~565,~~853~~071,~~795~~659.8558 0.~~97189292~~95494142 2327,~~771~~782,~~325~~136.2428

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1A 974,885,000.00 ~~984~~967.~~13162789~~15863961 0.00000000 1619.~~97298828~~91216324 0.00000000 A-1B 108,321,000.00 ~~984~~967.~~13162794~~15863960 0.00000000 1619.~~97298825~~91216320 0.00000000 A-2 285,291,000.00 ~~982~~963.~~10648713~~22722876 0.00000000 1821.~~87925837~~77833016 0.00000000 M-1 28,681,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 26,223,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-3 43,431,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-4 22,945,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-5 23,764,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-6 17,209,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-7 16,389,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-8 11,472,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-9 16,390,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-10 12,292,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-11 9,014,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-12 9,833,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-13 8,195,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-14 16,389,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 CE 8,194,931.73 ~~1000~~999.~~00003295~~95892827 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R-I 0.00 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00 0.00000000 0.00000000 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-1A 0.00000000 1619.~~97298828~~91216324 ~~967~~947.~~15863961~~24647638 0.~~96715864~~94724648 1619.~~97298828~~91216324 A-1B 0.00000000 1619.~~97298825~~91216320 ~~967~~947.~~15863960~~24647640 0.~~96715864~~94724648 1619.~~97298825~~91216320 A-2 0.00000000 1821.~~87925837~~77833016 ~~963~~941.~~22722876~~44889860 0.~~96322723~~94144890 1821.~~87925837~~77833016 M-1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-10 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-11 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-12 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-13 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M-14 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 CE 0.00000000 0.00000000 999.95892827 0.99995893 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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-1A 974,885,000.00 2.~~23250~~48000% ~~959~~942,~~415~~868,~~162~~450.0638 12,~~903~~013,~~906~~547.0996 0.00 0.00 A-1B 108,321,000.00 2.~~34250~~59000% ~~106~~104,~~602~~763,~~122~~591.0700 ~~221~~233,~~969~~651.3191 0.00 0.00 A-2 285,291,000.00 2.~~29250~~54000% ~~280~~274,~~186~~800,~~141~~059.8232 ~~570~~601,~~957~~048.0980 0.00 0.00 M-1 28,681,000.00 2.~~48250~~73000% 28,681,000.00 6367,~~289~~424.4125 0.00 0.00 M-2 26,223,000.00 2.~~54250~~79000% 26,223,000.00 5963,~~263~~000.9876 0.00 0.00 M-3 43,431,000.00 2.~~56250~~81000% 43,431,000.00 98105,~~926~~090.1796 0.00 0.00 M-4 22,945,000.00 2.~~60250~~85000% 22,945,000.00 5356,~~079~~310.4385 0.00 0.00 M-5 23,764,000.00 23.~~98250~~23000% 23,764,000.00 6366,~~001~~096.0093 0.00 0.00 M-6 17,209,000.00 3.~~01250~~26000% 17,209,000.00 4648,~~081~~309.8849 0.00 0.00 M-7 16,389,000.00 3.~~28250~~53000% 16,389,000.00 4749,~~819~~818.4601 0.00 0.00 M-8 11,472,000.00 3.~~68250~~93000% 11,472,000.00 3738,~~551~~823.6816 0.00 0.00 M-9 16,390,000.00 3.~~73250~~98000% 16,390,000.00 5456,~~378~~172.3817 0.00 0.00 M-10 12,292,000.00 5.~~28250~~53000% 12,292,000.00 5758,~~717~~533.7782 0.00 0.00 M-11 9,014,000.00 4.~~68250~~93000% 9,014,000.00 3738,~~518~~266.2793 0.00 0.00 M-12 9,833,000.00 4.~~43250~~68000% 9,833,000.00 3839,~~742~~626.0299 0.00 0.00 M-13 8,195,000.00 4.~~43250~~68000% 8,195,000.00 3233,~~288~~025.3085 0.00 0.00 M-14 16,389,000.00 34.~~93250~~18000% 16,389,000.00 5758,~~288~~991.6629 0.00 0.00 CE 8,194,931.73 0.00000% 8,194,~~932~~595.0015 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R-I 0.00 0.00000% 0.00 0.00 0.00 0.00 R-II 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 1,638,919,031.73 3,~~443~~627,~~778~~740.9013 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-1A 0.00 0.00 12,~~903~~013,~~906~~547.0996 0.00 ~~942~~923,~~868~~456,~~450~~381.3813 A-1B 0.00 0.00 ~~221~~233,~~969~~651.3191 0.00 ~~104~~102,~~763~~606,~~591~~685.0057 A-2 0.00 0.00 ~~570~~601,~~957~~048.0980 0.00 ~~274~~268,~~800~~586,~~059~~897.3273 M-1 0.00 0.00 6367,~~289~~424.4125 0.00 28,681,000.00 M-2 0.00 0.00 5963,~~263~~000.9876 0.00 26,223,000.00 M-3 0.00 0.00 98105,~~926~~090.1796 0.00 43,431,000.00 M-4 0.00 0.00 5356,~~079~~310.4385 0.00 22,945,000.00 M-5 0.00 0.00 6366,~~001~~096.0093 0.00 23,764,000.00 M-6 0.00 0.00 4648,~~081~~309.8849 0.00 17,209,000.00 M-7 0.00 0.00 4749,~~819~~818.4601 0.00 16,389,000.00 M-8 0.00 0.00 3738,~~551~~823.6816 0.00 11,472,000.00 M-9 0.00 0.00 5456,~~378~~172.3817 0.00 16,390,000.00 M-10 0.00 0.00 5758,~~717~~533.7782 0.00 12,292,000.00 M-11 0.00 0.00 3738,~~518~~266.2793 0.00 9,014,000.00 M-12 0.00 0.00 3839,~~742~~626.0299 0.00 9,833,000.00 M-13 0.00 0.00 3233,~~288~~025.3085 0.00 8,195,000.00 M-14 0.00 0.00 5758,~~288~~991.6629 0.00 16,389,000.00 CE 0.00 0.00 5,~~441~~130,~~918~~122.1662 0.00 8,194,595.15 P 0.00 0.00 ~~316~~487,~~086~~597.0365 0.00 100.00 R-I 0.00 0.00 0.00 0.00 0.00 R-II 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 9,~~201~~245,~~783~~460.0940 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-1A 974,885,000.00 2.~~23250~~48000% ~~984~~967.~~13162789~~15863961 12.~~95295454~~06542101 0.00000000 0.00000000 A-1B 108,321,000.00 2.~~34250~~59000% ~~984~~967.~~13162794~~15863960 2.~~04918077~~15703243 0.00000000 0.00000000 A-2 285,291,000.00 2.~~29250~~54000% ~~982~~963.~~10648713~~22722876 2.~~00131476~~10679201 0.00000000 0.00000000 M-1 28,681,000.00 2.~~48250~~73000% 1000.00000000 2.~~20666678~~35083330 0.00000000 0.00000000 M-2 26,223,000.00 2.~~54250~~79000% 1000.00000000 2.~~26000000~~40250010 0.00000000 0.00000000 M-3 43,431,000.00 2.~~56250~~81000% 1000.00000000 2.~~27777785~~41972232 0.00000000 0.00000000 M-4 22,945,000.00 2.~~60250~~85000% 1000.00000000 2.~~31333319~~45416649 0.00000000 0.00000000 M-5 23,764,000.00 23.~~98250~~23000% 1000.00000000 2.~~65111092~~78138908 0.00000000 0.00000000 M-6 17,209,000.00 3.~~01250~~26000% 1000.00000000 2.~~67777791~~80722238 0.00000000 0.00000000 M-7 16,389,000.00 3.~~28250~~53000% 1000.00000000 23.~~91777778~~03972237 0.00000000 0.00000000 M-8 11,472,000.00 3.~~68250~~93000% 1000.00000000 3.~~27333333~~38416667 0.00000000 0.00000000 M-9 16,390,000.00 3.~~73250~~98000% 1000.00000000 3.~~31777791~~42722209 0.00000000 0.00000000 M-10 12,292,000.00 5.~~28250~~53000% 1000.00000000 4.~~69555565~~76194435 0.00000000 0.00000000 M-11 9,014,000.00 4.~~68250~~93000% 1000.00000000 4.~~16222210~~24527735 0.00000000 0.00000000 M-12 9,833,000.00 4.~~43250~~68000% 1000.00000000 34.~~94000000~~03000000 0.00000000 0.00000000 M-13 8,195,000.00 4.~~43250~~68000% 1000.00000000 34.~~94000000~~03000000 0.00000000 0.00000000 M-14 16,389,000.00 34.~~93250~~18000% 1000.00000000 3.~~49555556~~59944414 0.00000000 0.00000000 CE 8,194,931.73 0.00000% ~~1000~~999.~~00003295~~95892827 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R-I 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00 0.00000% 0.00000000 0.00000000 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-1A 0.00000000 0.00000000 12.~~95295454~~06542101 0.00000000 ~~967~~947.~~15863961~~24647638 A-1B 0.00000000 0.00000000 2.~~04918077~~15703243 0.00000000 ~~967~~947.~~15863960~~24647640 A-2 0.00000000 0.00000000 2.~~00131476~~10679201 0.00000000 ~~963~~941.~~22722876~~44889860 M-1 0.00000000 0.00000000 2.~~20666678~~35083330 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 2.~~26000000~~40250010 0.00000000 1000.00000000 M-3 0.00000000 0.00000000 2.~~27777785~~41972232 0.00000000 1000.00000000 M-4 0.00000000 0.00000000 2.~~31333319~~45416649 0.00000000 1000.00000000 M-5 0.00000000 0.00000000 2.~~65111092~~78138908 0.00000000 1000.00000000 M-6 0.00000000 0.00000000 2.~~67777791~~80722238 0.00000000 1000.00000000 M-7 0.00000000 0.00000000 23.~~91777778~~03972237 0.00000000 1000.00000000 M-8 0.00000000 0.00000000 3.~~27333333~~38416667 0.00000000 1000.00000000 M-9 0.00000000 0.00000000 3.~~31777791~~42722209 0.00000000 1000.00000000 M-10 0.00000000 0.00000000 4.~~69555565~~76194435 0.00000000 1000.00000000 M-11 0.00000000 0.00000000 4.~~16222210~~24527735 0.00000000 1000.00000000 M-12 0.00000000 0.00000000 34.~~94000000~~03000000 0.00000000 1000.00000000 M-13 0.00000000 0.00000000 34.~~94000000~~03000000 0.00000000 1000.00000000 M-14 0.00000000 0.00000000 3.~~49555556~~59944414 0.00000000 1000.00000000 CE 0.00000000 0.00000000 ~~664~~626.~~05899882~~01163610 0.00000000 999.95892827 P 0.00000000 0.00000000 ~~3160860~~4875976.~~30000000~~50000000 0.00000000 1000.00000000 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (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 3337,~~840~~706,~~368~~959.0305 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 12197,~~232~~258.7597 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 3337,~~852~~904,~~600~~218.7802 Withdrawals Reimbursement for Servicer Advances 112,~~912~~232.8575 Payment of Service Fee ~~877~~864,~~579~~388.6059 Payment of Interest and Principal 3237,~~973~~027,~~108~~596.3368 Total Withdrawals (Pool Distribution Amount) 3337,~~852~~904,~~600~~218.7802 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~404~~398,~~156~~213.3645 PMI ~~469~~462,~~381~~193.6801 Trustee Fee 43,~~041~~982.5613 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~877~~864,~~579~~388.6059

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 7154 0 0 0 7154 125,~~515~~942,~~741~~739.7028 0.00 0.00 0.00 125,~~515~~942,~~741~~739.7028 60 Days 16 0 0 0 16 ~~168~~1,~~000~~442,266.0023 0.00 0.00 0.00 ~~168~~1,~~000~~442,266.0023 90 Days 01 0 0 0 01 0168,000.00 0.00 0.00 0.00 0168,000.00 120 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 8161 0 0 0 8161 127,~~683~~553,~~741~~005.7051 0.00 0.00 0.00 127,~~683~~553,~~741~~005.7051 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 01.~~073809~~648469% 0.000000% 0.000000% 0.000000% 01.~~073809~~648469% 01.~~095138~~657139% 0.000000% 0.000000% 0.000000% 01.~~095138~~657139% 60 Days 0.~~010544~~064226% 0.000000% 0.000000% 0.000000% 0.~~010544~~064226% 0.~~010545~~092127% 0.000000% 0.000000% 0.000000% 0.~~010545~~092127% 90 Days 0.~~000000~~010704% 0.000000% 0.000000% 0.000000% 0.~~000000~~010704% 0.~~000000~~010731% 0.000000% 0.000000% 0.000000% 0.~~000000~~010731% 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 01.~~084353~~723400% 0.000000% 0.000000% 0.000000% 01.~~084353~~723400% 01.~~105682~~759997% 0.000000% 0.000000% 0.000000% 01.~~105682~~759997%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 1 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 114 0 0 0 114 ~~138~~1,~~894~~702,970.7627 0.00 0.00 0.00 ~~138~~1,~~894~~702,970.7627 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 114 0 0 0 114 ~~138~~1,~~894~~702,970.7627 0.00 0.00 0.00 ~~138~~1,~~894~~702,970.7627 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~043706~~618648% 0.000000% 0.000000% 0.000000% 0.~~043706~~618648% 0.~~042878~~532194% 0.000000% 0.000000% 0.000000% 0.~~042878~~532194% 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.~~043706~~618648% 0.000000% 0.000000% 0.000000% 0.~~043706~~618648% 0.~~042878~~532194% 0.000000% 0.000000% 0.000000% 0.~~042878~~532194% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 1 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 4109 0 0 0 4109 ~~638~~17,~~126~~098,703.0289 0.00 0.00 0.00 ~~638~~17,~~126~~098,703.0289 60 Days 04 0 0 0 04 0791,281.0037 0.00 0.00 0.00 0791,281.0037 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 4113 0 0 0 4113 ~~638~~17,~~126~~889,985.0226 0.00 0.00 0.00 ~~638~~17,~~126~~889,985.0226 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~067568~~871887% 0.000000% 0.000000% 0.000000% 01.~~067568~~871887% 01.~~067965~~855866% 0.000000% 0.000000% 0.000000% 01.~~067965~~855866% 60 Days 0.~~000000~~068693% 0.000000% 0.000000% 0.000000% 0.~~000000~~068693% 0.~~000000~~085884% 0.000000% 0.000000% 0.000000% 0.~~000000~~085884% 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 01.~~067568~~940580% 0.000000% 0.000000% 0.000000% 01.~~067568~~940580% 01.~~067965~~941751% 0.000000% 0.000000% 0.000000% 01.~~067965~~941751% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 2 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 03 0 0 0 03 0273,087.0024 0.00 0.00 0.00 0273,087.0024 60 Days 01 0 0 0 01 055,200.00 0.00 0.00 0.00 055,200.00 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 04 0 0 0 04 0328,287.0024 0.00 0.00 0.00 0328,287.0024 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~000000~~934579% 0.000000% 0.000000% 0.000000% 0.~~000000~~934579% 0.~~000000~~354731% 0.000000% 0.000000% 0.000000% 0.~~000000~~354731% 60 Days 0.~~000000~~311526% 0.000000% 0.000000% 0.000000% 0.~~000000~~311526% 0.~~000000~~071703% 0.000000% 0.000000% 0.000000% 0.~~000000~~071703% 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 01.~~000000~~246106% 0.000000% 0.000000% 0.000000% 01.~~000000~~246106% 0.~~000000~~426433% 0.000000% 0.000000% 0.000000% 0.~~000000~~426433% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 2 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 228 0 0 0 228 ~~738~~6,~~720~~867,977.9288 0.00 0.00 0.00 ~~738~~6,~~720~~867,977.9288 60 Days 1 0 0 0 1 ~~168~~595,~~000~~784.0086 0.00 0.00 0.00 ~~168~~595,~~000~~784.0086 90 Days 01 0 0 0 01 0168,000.00 0.00 0.00 0.00 0168,000.00 120 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 330 0 0 0 330 ~~906~~7,~~720~~631,762.9274 0.00 0.00 0.00 ~~906~~7,~~720~~631,762.9274 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 02.~~209864~~994652% 0.000000% 0.000000% 0.000000% 02.~~209864~~994652% 02.~~292061~~778241% 0.000000% 0.000000% 0.000000% 02.~~292061~~778241% 60 Days 0.~~104932~~106952% 0.000000% 0.000000% 0.000000% 0.~~104932~~106952% 0.~~066421~~241007% 0.000000% 0.000000% 0.000000% 0.~~066421~~241007% 90 Days 0.~~000000~~106952% 0.000000% 0.000000% 0.000000% 0.~~000000~~106952% 0.~~000000~~067960% 0.000000% 0.000000% 0.000000% 0.~~000000~~067960% 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 03.~~314795~~208556% 0.000000% 0.000000% 0.000000% 03.~~314795~~208556% 03.~~358482~~087208% 0.000000% 0.000000% 0.000000% 03.~~358482~~087208%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 12197,~~232~~258.7597

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 7.~~246903~~245261% Weighted Average Net Coupon 6.~~946903~~945261% Weighted Average Pass-Through Rate 6.~~595487~~589966% Weighted Average Maturity(Stepdown Calculation ) ~~353~~352 Beginning Scheduled Collateral Loan Count 9,~~601~~484 Number Of Loans Paid In Full ~~117~~142 Ending Scheduled Collateral Loan Count 9,~~484~~342 Beginning Scheduled Collateral Balance 1,~~616~~592,~~625~~853,~~457~~795.9586 Ending Scheduled Collateral Balance 1,~~592~~565,~~853~~071,~~795~~659.8658 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 1,~~593~~565,~~209~~513,~~768~~964.3483 Monthly P &I Constant 1110,~~051~~893,~~808~~459.8110 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 1,~~288~~276,~~868~~257.8785 Unscheduled Principal 2226,~~482~~505,~~793~~878.2243 Required Overcollateralization Amount 0.00 Overcollateralized Increase Amount 0.00 Overcollateralized reduction Amount ~~336~~0.8500 Specified O/C Amount 8,194,595.15 Overcollateralized Amount 8,194,595.15 Overcollateralized Deficiency Amount 0.00 Base Overcollateralized Amount 0.00 Extra principal distribution Amount 0.00 Excess Cash Amount 5,~~441~~130,~~581~~122.3162

Miscellaneous Reporting Credit Enhancement Percentage 1617.~~977197~~278544% Overcollateralization Target Amount 8,194,595.15 Overcollateralization Increase Amount ~~$-336~~0.8500 Trigger Event in Effect? NO Cap Payments 0.00

Group Level Collateral Statement Group Group 1 Group 1 Group 2 Collateral Description Mixed Fixed Mixed ARM Mixed Fixed Weighted Average Coupon Rate 7.~~570430~~565604 7.~~200738~~203296 76.~~001355~~999373 Weighted Average Net Rate 7.~~270430~~265604 6.~~900738~~903296 6.~~701355~~699373 Weighted Average Maturity ~~353~~352 ~~353~~352 ~~355~~354 Beginning Loan Count 2,~~314~~288 5,~~993~~920 ~~326~~323 Loans Paid In Full 2625 7397 32 Ending Loan Count 2,~~288~~263 5,~~920~~823 ~~323~~321 Beginning Scheduled Balance ~~327~~323,~~906~~880,~~084~~762.2825 ~~953~~938,~~025~~665,~~768~~587.8561 7877,~~461~~441,~~761~~366.7933 Ending scheduled Balance ~~323~~319,~~880~~929,~~762~~969.2556 ~~938~~921,~~665~~047,~~587~~405.61 7776,~~441~~970,~~366~~128.3381 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 2,~~360~~332,~~407~~677.1631 6,~~460~~367,~~330~~861.8951 ~~525~~519,~~099~~085.83 Scheduled Principal ~~291~~290,~~748~~716.6801 ~~741~~733,~~590~~289.3495 67,~~317~~385.6302 Unscheduled Principal 3,~~733~~660,~~573~~076.3568 1316,~~618~~884,~~590~~892.9005 ~~953~~403,~~077~~852.8350 Scheduled Interest 2,~~068~~041,~~658~~961.4830 5,~~718~~634,~~740~~571.5556 ~~457~~451,~~782~~700.2081 Servicing Fees 8180,~~976~~970.5219 ~~238~~234,~~256~~666.4440 19,~~615~~360.4434 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~819~~809.7770 2,~~382~~346.5666 ~~196~~193.1560 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee 9189,~~066~~913.6203 ~~276~~272,~~293~~925.0612 2120,~~782~~849.9113 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,~~894~~870,~~795~~268.5738 5,~~201~~124,~~808~~633.4938 ~~416~~411,~~187~~297.7074 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 6.~~934164~~923842 6.~~549844~~546378 6.~~365205~~373303

Group Level Collateral Statement Group Group 2 Total Collateral Description Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 7.~~080424~~066037 7.~~246903~~245261 Weighted Average Net Rate 6.~~780424~~766037 6.~~946903~~945261 Weighted Average Maturity ~~355~~354 ~~353~~352 Beginning Loan Count ~~968~~953 9,~~601~~484 Loans Paid In Full 1518 ~~117~~142 Ending Loan Count ~~953~~935 9,~~484~~342 Beginning Scheduled Balance ~~257~~252,~~231~~866,~~843~~079.0367 1,~~616~~592,~~625~~853,~~457~~795.9586 Ending scheduled Balance ~~252~~247,~~866~~124,~~079~~155.6760 1,~~592~~565,~~853~~071,~~795~~659.8658 Record Date 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~705~~673,~~970~~834.9345 1110,~~051~~893,~~808~~459.8110 Scheduled Principal ~~188~~184,~~212~~866.2287 1,~~288~~276,~~868~~257.8785 Unscheduled Principal 45,~~177~~557,~~551~~057.1420 2226,~~482~~505,~~793~~878.2243 Scheduled Interest 1,~~517~~488,~~758~~967.7158 9,~~762~~617,~~939~~201.9425 Servicing Fees 6463,~~307~~216.9652 ~~404~~398,~~156~~213.3645 Master Servicing Fees 0.00 0.00 Trustee Fee ~~643~~632.0817 43,~~041~~982.5613 FRY Amount 0.00 0.00 Special Hazard Fee 0.00 0.00 Other Fee 8078,~~239~~505.0973 ~~469~~462,~~381~~193.6801 Pool Insurance Fee 0.00 0.00 Spread Fee 1 0.00 0.00 Spread Fee 2 0.00 0.00 Spread Fee 3 0.00 0.00 Net Interest 1,~~372~~346,~~568~~613.5816 8,~~885~~752,~~360~~812.3466 Realized Loss Amount 0.00 0.00 Cumulative Realized Loss 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 Prepayment Penalties 0.00 0.00 Special Servicing Fee 0.00 0.00 Pass-Through Rate 6.~~403104~~390481 6.~~595487~~589966

Filing Compare · CITIGROUP MORTGAGE LOAN TRUST INC SERIES 2004-OPT1