8-K 1 rma04002_sep.txt SEPTEMBER 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): September 27, 2004 RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-106896-04 N/A Pooling and Servicing Agreement) (Commission IRS EIN (State or other File Number) 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 September 27, 2004 a distribution was made to holders of RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION, Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust, relating to the September 27, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RENAISSANCE MORTGAGE ACCEPTANCE CORPORATION Home Equity Loan Asset-Backed Certs., Series 2004-2 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: 10/1/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Home Equity Loan Asset-Backed Certs., Series 2004-2 Trust, relating to the September 27, 2004 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset -Backed Certificates Record Date: 78/31/042004 Distribution Date: 89/2527/042004 RMAC Series: 2004-2 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 AV1 759950CM8 SEN 1.~~61000~~77500% 3534,~~751~~821,~~772~~994.1226 4756,~~966~~655.9650 ~~929~~2,~~777~~617,791.8667 AV2 759950CN6 SEN 1.~~75000~~91500% 53,000,000.00 7793,~~291~~032.6750 0.00 AV3 759950CP1 SEN 12.~~93000~~09500% 14,000,000.00 2226,~~516~~884.6751 0.00 AF1 759950CQ9 SEN 1.~~65000~~81500% ~~114~~113,~~492~~328,~~169~~735.7645 ~~157~~188,~~426~~541.7340 12,~~163~~485,~~434~~860.3189 AF2 759950CR7 SEN 3.90200% 69,000,000.00 224,~~365~~353.0096 0.00 AF3 759950CS5 SEN 4.46400% 46,000,000.00 171,~~120~~111.0058 0.00 AF4 759950CT3 SEN 5.39200% 38,000,000.00 170,~~746~~738.6726 0.00 AF5 759950CU0 SEN 6.05800% 28,800,000.00 145,~~392~~384.0084 0.00 AF6 759950CV8 SEN 5.39600% 24,000,000.00 107,~~920~~914.0069 0.00 M1 759950CX4 MEZ 5.91400% 15,600,000.00 76,~~882~~878.0022 0.00 M2 759950CY2 MEZ 6.01100% 14,300,000.00 71,~~631~~627.0856 0.00 M3 759950CZ9 MEZ 6.11000% 7,800,000.00 39,~~715~~713.0005 0.00 M4 759950DA3 MEZ 6.30800% 9,100,000.00 47,~~835~~833.6731 0.00 M5 759950DB1 MEZ 6.45500% 6,500,000.00 34,~~964~~962.5886 0.00 M6 759950DC9 MEZ 6.45000% 7,800,000.00 41,~~925~~922.0094 0.00 M7 759950DD7 MEZ 6.45000% 5,200,000.00 27,~~950~~948.0062 0.00 M8 759950DE5 MEZ 6.45000% 5,980,000.00 32,~~142~~140.5092 0.00 M9 759950DF2 MEZ 6.45000% 5,720,000.00 30,~~745~~743.0049 0.00 BIO RMA042BIO MEZ 0.00000% 0.01 1,~~496~~423,~~803~~406.0024 0.00 P RMA04002P SEN 0.00000% 0.01 1569,~~753~~608.6954 0.00 Totals ~~501~~498,~~043~~950,~~941~~729.9073 3,~~041~~081,~~093~~402.2299 25,~~093~~103,~~212~~652.1756

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 3432,~~821~~204,~~994~~202.2659 ~~977~~2,~~744~~674,447.8217 0.00 AV2 0.00 53,000,000.00 7793,~~291~~032.6750 0.00 AV3 0.00 14,000,000.00 2226,~~516~~884.6751 0.00 AF1 0.00 ~~113~~110,~~328~~842,~~735~~874.4556 12,~~320~~674,~~861~~402.0429 0.00 AF2 0.00 69,000,000.00 224,~~365~~353.0096 0.00 AF3 0.00 46,000,000.00 171,~~120~~111.0058 0.00 AF4 0.00 38,000,000.00 170,~~746~~738.6726 0.00 AF5 0.00 28,800,000.00 145,~~392~~384.0084 0.00 AF6 0.00 24,000,000.00 107,~~920~~914.0069 0.00 M1 0.00 15,600,000.00 76,~~882~~878.0022 0.00 M2 0.00 14,300,000.00 71,~~631~~627.0856 0.00 M3 0.00 7,800,000.00 39,~~715~~713.0005 0.00 M4 0.00 9,100,000.00 47,~~835~~833.6731 0.00 M5 0.00 6,500,000.00 34,~~964~~962.5886 0.00 M6 0.00 7,800,000.00 41,~~925~~922.0094 0.00 M7 0.00 5,200,000.00 27,~~950~~948.0062 0.00 M8 0.00 5,980,000.00 32,~~142~~140.5092 0.00 M9 0.00 5,720,000.00 30,~~745~~743.0049 0.00 BIO 0.00 0.01 1,~~496~~423,~~803~~406.0024 0.00 P 0.00 0.01 1569,~~753~~608.6954 0.00 Totals 0.00 ~~498~~493,~~950~~847,~~729~~077.7317 58,~~134~~185,~~305~~055.3955 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) AV1 37,000,000.00 3534,~~751~~821,~~772~~994.1226 0.00 ~~929~~2,~~777~~617,791.8667 0.00 0.00 AV2 53,000,000.00 53,000,000.00 0.00 0.00 0.00 0.00 AV3 14,000,000.00 14,000,000.00 0.00 0.00 0.00 0.00 AF1 116,600,000.00 ~~114~~113,~~492~~328,~~169~~735.7645 0.00 12,~~163~~485,~~434~~860.3189 0.00 0.00 AF2 69,000,000.00 69,000,000.00 0.00 0.00 0.00 0.00 AF3 46,000,000.00 46,000,000.00 0.00 0.00 0.00 0.00 AF4 38,000,000.00 38,000,000.00 0.00 0.00 0.00 0.00 AF5 28,800,000.00 28,800,000.00 0.00 0.00 0.00 0.00 AF6 24,000,000.00 24,000,000.00 0.00 0.00 0.00 0.00 M1 15,600,000.00 15,600,000.00 0.00 0.00 0.00 0.00 M2 14,300,000.00 14,300,000.00 0.00 0.00 0.00 0.00 M3 7,800,000.00 7,800,000.00 0.00 0.00 0.00 0.00 M4 9,100,000.00 9,100,000.00 0.00 0.00 0.00 0.00 M5 6,500,000.00 6,500,000.00 0.00 0.00 0.00 0.00 M6 7,800,000.00 7,800,000.00 0.00 0.00 0.00 0.00 M7 5,200,000.00 5,200,000.00 0.00 0.00 0.00 0.00 M8 5,980,000.00 5,980,000.00 0.00 0.00 0.00 0.00 M9 5,720,000.00 5,720,000.00 0.00 0.00 0.00 0.00 BIO 0.01 0.01 0.00 0.00 0.00 0.00 P 0.01 0.01 0.00 0.00 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00 Totals 504,400,000.03 ~~501~~498,~~043~~950,~~941~~729.9174 0.00 25,~~093~~103,~~212~~652.1756 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 AV1 ~~929~~2,~~777~~617,791.8667 3432,~~821~~204,~~994~~202.2659 0.~~94113498~~87038385 ~~929~~2,~~777~~617,791.8667 AV2 0.00 53,000,000.00 1.00000000 0.00 AV3 0.00 14,000,000.00 1.00000000 0.00 AF1 12,~~163~~485,~~434~~860.3189 ~~113~~110,~~328~~842,~~735~~874.4556 0.~~97194456~~95062500 12,~~163~~485,~~434~~860.3189 AF2 0.00 69,000,000.00 1.00000000 0.00 AF3 0.00 46,000,000.00 1.00000000 0.00 AF4 0.00 38,000,000.00 1.00000000 0.00 AF5 0.00 28,800,000.00 1.00000000 0.00 AF6 0.00 24,000,000.00 1.00000000 0.00 M1 0.00 15,600,000.00 1.00000000 0.00 M2 0.00 14,300,000.00 1.00000000 0.00 M3 0.00 7,800,000.00 1.00000000 0.00 M4 0.00 9,100,000.00 1.00000000 0.00 M5 0.00 6,500,000.00 1.00000000 0.00 M6 0.00 7,800,000.00 1.00000000 0.00 M7 0.00 5,200,000.00 1.00000000 0.00 M8 0.00 5,980,000.00 1.00000000 0.00 M9 0.00 5,720,000.00 1.00000000 0.00 BIO 0.00 0.01 1.00000000 0.00 P 0.00 0.01 1.00000000 0.00 P 0.00 0.01 1.00000000 0.00 Totals 25,~~093~~103,~~212~~652.1756 ~~498~~493,~~950~~847,~~729~~077.7418 0.~~98919653~~97907827 25,~~093~~103,~~212~~652.1756

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 37,000,000.00 ~~966~~941.~~26411135~~13498000 0.00000000 2570.~~12913135~~75112622 0.00000000 AV2 53,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AV3 14,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF1 116,600,000.00 ~~981~~971.~~92255369~~94455789 0.00000000 921.~~97799580~~31956166 0.00000000 AF2 69,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF3 46,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF4 38,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF5 28,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 AF6 24,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M1 15,600,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 14,300,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 7,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 9,100,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M5 6,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M6 7,800,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M7 5,200,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M8 5,980,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M9 5,720,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 BIO 0.01 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000000 0.00000000 0.00000000 0.00000000 (2) All classes are per $1000 denomination

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution AV1 0.00000000 2570.~~12913135~~75112622 ~~941~~870.~~13498000~~38385378 0.~~94113498~~87038385 2570.~~12913135~~75112622 AV2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AV3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF1 0.00000000 921.~~97799580~~31956166 ~~971~~950.~~94455789~~62499623 0.~~97194456~~95062500 921.~~97799580~~31956166 AF2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 AF6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M5 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M6 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M7 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M8 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M9 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 BIO 0.00000000 0.00000000 0.00000000 1.00000000 0.00000000 P 0.00000000 0.00000000 0.00000000 1.00000000 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 AV1 37,000,000.00 1.~~61000~~77500% 3534,~~751~~821,~~772~~994.1226 4756,~~966~~658.9629 0.00 0.00 AV2 53,000,000.00 1.~~75000~~91500% 53,000,000.00 7793,~~291~~037.6708 0.00 0.00 AV3 14,000,000.00 12.~~93000~~09500% 14,000,000.00 2226,~~516~~885.6783 0.00 0.00 AF1 116,600,000.00 1.~~65000~~81500% ~~114~~113,~~492~~328,~~169~~735.7645 ~~157~~188,~~426~~550.7368 0.00 0.00 AF2 69,000,000.00 3.90200% 69,000,000.00 224,365.00 0.00 0.00 AF3 46,000,000.00 4.46400% 46,000,000.00 171,120.00 0.00 0.00 AF4 38,000,000.00 5.39200% 38,000,000.00 170,746.67 0.00 0.00 AF5 28,800,000.00 6.05800% 28,800,000.00 145,392.00 0.00 0.00 AF6 24,000,000.00 5.39600% 24,000,000.00 107,920.00 0.00 0.00 M1 15,600,000.00 5.91400% 15,600,000.00 76,882.00 0.00 0.00 M2 14,300,000.00 6.01100% 14,300,000.00 71,631.08 0.00 0.00 M3 7,800,000.00 6.11000% 7,800,000.00 39,715.00 0.00 0.00 M4 9,100,000.00 6.30800% 9,100,000.00 47,835.67 0.00 0.00 M5 6,500,000.00 6.45500% 6,500,000.00 34,964.58 0.00 0.00 M6 7,800,000.00 6.45000% 7,800,000.00 41,925.00 0.00 0.00 M7 5,200,000.00 6.45000% 5,200,000.00 27,950.00 0.00 0.00 M8 5,980,000.00 6.45000% 5,980,000.00 32,142.50 0.00 0.00 M9 5,720,000.00 6.45000% 5,720,000.00 30,745.00 0.00 0.00 BIO 0.01 0.00000% 0.01 0.00 0.00 0.00 P 0.01 0.00000% 0.01 0.00 0.00 0.00 Totals 504,400,000.02 1,~~528~~588,~~536~~466.5338 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 AV1 02.0079 0.00 4756,~~966~~655.9650 0.00 3432,~~821~~204,~~994~~202.2659 AV2 04.0058 0.00 7793,~~291~~032.6750 0.00 53,000,000.00 AV3 01.0032 0.00 2226,~~516~~884.6751 0.00 14,000,000.00 AF1 09.0028 0.00 ~~157~~188,~~426~~541.7340 0.00 ~~113~~110,~~328~~842,~~735~~874.4556 AF2 011.0004 0.00 224,~~365~~353.0096 0.00 69,000,000.00 AF3 08.0042 0.00 171,~~120~~111.0058 0.00 46,000,000.00 AF4 08.0040 0.00 170,~~746~~738.6726 0.00 38,000,000.00 AF5 07.0016 0.00 145,~~392~~384.0084 0.00 28,800,000.00 AF6 05.0031 0.00 107,~~920~~914.0069 0.00 24,000,000.00 M1 03.0078 0.00 76,~~882~~878.0022 0.00 15,600,000.00 M2 03.0053 0.00 71,~~631~~627.0856 0.00 14,300,000.00 M3 01.0095 0.00 39,~~715~~713.0005 0.00 7,800,000.00 M4 02.0035 0.00 47,~~835~~833.6731 0.00 9,100,000.00 M5 01.0072 0.00 34,~~964~~962.5886 0.00 6,500,000.00 M6 02.0006 0.00 41,~~925~~922.0094 0.00 7,800,000.00 M7 01.0038 0.00 27,~~950~~948.0062 0.00 5,200,000.00 M8 01.0058 0.00 32,~~142~~140.5092 0.00 5,980,000.00 M9 01.0051 0.00 30,~~745~~743.0049 0.00 5,720,000.00 BIO 0.00 0.00 1,~~496~~423,~~803~~406.0024 0.00 0.01 P 0.00 0.00 1569,~~753~~608.6954 0.00 0.01 Totals 078.0016 0.00 3,~~041~~081,~~093~~402.2299 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 AV1 37,000,000.00 1.~~61000~~77500% ~~966~~941.~~26411135~~13498000 1.~~29640432~~53130514 0.00000000 0.00000000 AV2 53,000,000.00 1.~~75000~~91500% 1000.00000000 1.~~45833340~~75541660 0.00000000 0.00000000 AV3 14,000,000.00 12.~~93000~~09500% 1000.00000000 1.~~60833357~~92041643 0.00000000 0.00000000 AF1 116,600,000.00 1.~~65000~~81500% ~~981~~971.~~92255369~~94455789 1.~~35014348~~61707273 0.00000000 0.00000000 AF2 69,000,000.00 3.90200% 1000.00000000 3.25166667 0.00000000 0.00000000 AF3 46,000,000.00 4.46400% 1000.00000000 3.72000000 0.00000000 0.00000000 AF4 38,000,000.00 5.39200% 1000.00000000 4.49333342 0.00000000 0.00000000 AF5 28,800,000.00 6.05800% 1000.00000000 5.04833333 0.00000000 0.00000000 AF6 24,000,000.00 5.39600% 1000.00000000 4.49666667 0.00000000 0.00000000 M1 15,600,000.00 5.91400% 1000.00000000 4.92833333 0.00000000 0.00000000 M2 14,300,000.00 6.01100% 1000.00000000 5.00916643 0.00000000 0.00000000 M3 7,800,000.00 6.11000% 1000.00000000 5.09166667 0.00000000 0.00000000 M4 9,100,000.00 6.30800% 1000.00000000 5.25666703 0.00000000 0.00000000 M5 6,500,000.00 6.45500% 1000.00000000 5.37916615 0.00000000 0.00000000 M6 7,800,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M7 5,200,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M8 5,980,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 M9 5,720,000.00 6.45000% 1000.00000000 5.37500000 0.00000000 0.00000000 BIO 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 P 0.01 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes per $1000 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 AV1 0.~~00000000~~00007541 0.00000000 1.~~29640432~~53122973 0.00000000 ~~941~~870.~~13498000~~38385378 AV2 0.~~00000000~~00008642 0.00000000 1.~~45833340~~75533019 0.00000000 1000.00000000 AV3 0.~~00000000~~00009429 0.00000000 1.~~60833357~~92032214 0.00000000 1000.00000000 AF1 0.~~00000000~~00007959 0.00000000 1.~~35014348~~61699314 0.00000000 ~~971~~950.~~94455789~~62499623 AF2 0.~~00000000~~00016000 0.00000000 3.~~25166667~~25150667 0.00000000 1000.00000000 AF3 0.~~00000000~~00018304 0.00000000 3.~~72000000~~71981696 0.00000000 1000.00000000 AF4 0.~~00000000~~00022105 0.00000000 4.~~49333342~~49311211 0.00000000 1000.00000000 AF5 0.~~00000000~~00024861 0.00000000 5.~~04833333~~04808472 0.00000000 1000.00000000 AF6 0.~~00000000~~00022125 0.00000000 4.~~49666667~~49644542 0.00000000 1000.00000000 M1 0.~~00000000~~00024231 0.00000000 4.~~92833333~~92809103 0.00000000 1000.00000000 M2 0.~~00000000~~00024685 0.00000000 5.~~00916643~~00892028 0.00000000 1000.00000000 M3 0.~~00000000~~00025000 0.00000000 5.~~09166667~~09141667 0.00000000 1000.00000000 M4 0.~~00000000~~00025824 0.00000000 5.~~25666703~~25640769 0.00000000 1000.00000000 M5 0.~~00000000~~00026462 0.00000000 5.~~37916615~~37890154 0.00000000 1000.00000000 M6 0.~~00000000~~00026410 0.00000000 5.~~37500000~~37473590 0.00000000 1000.00000000 M7 0.~~00000000~~00026538 0.00000000 5.~~37500000~~37473462 0.00000000 1000.00000000 M8 0.~~00000000~~00026421 0.00000000 5.~~37500000~~37473579 0.00000000 1000.00000000 M9 0.~~00000000~~00026399 0.00000000 5.~~37500000~~37473601 0.00000000 1000.00000000 BIO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 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 58,~~372~~404,~~711~~382.5480 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 58,~~372~~404,~~711~~382.5480 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~238~~237,~~406~~513.1592 Payment of Interest and Principal 58,~~134~~185,~~305~~055.3955 Total Withdrawals (Pool Distribution Amount) 58,~~372~~422,~~711~~569.5447 Ending Balance 0.00

PREPAYMENT/CURTAILMENT INTEREST SHORTFALL Total Prepayment/Curtailment Interest Shortfall 0.00 Servicing Fee Support 0.00 Non-Supported Prepayment/Curtailment Interest Shortfall 079.0006

SERVICING FEES Gross Servicing Fee ~~215~~214,~~268~~396.3114 FSA Premium 18,186.67 Wells Fargo Bank, NA 4,~~951~~931.1711 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~238~~237,~~406~~513.1592

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 2 0 0 2 ~~412~~411,~~268~~937.8084 0.00 0.00 ~~412~~411,~~268~~937.8084 30 Days 317 0 0 0 317 ~~428~~2,~~435~~094,150.8514 0.00 0.00 0.00 ~~428~~2,~~435~~094,150.8514 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 10 0 10 0.00 0.00 ~~83,293~~0.1100 0.00 ~~83,293~~0.1100 120 Days 0 0 01 0 01 0.00 0.00 083,250.0074 0.00 083,250.0074 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 317 2 1 0 620 ~~428~~2,~~435~~094,150.8514 ~~412~~411,~~268~~937.8084 83,~~293~~250.1174 0.00 ~~923~~2,~~997~~589,338.7672 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.~~060223~~060846% 0.000000% 0.000000% 0.~~060223~~060846% 0.~~080122~~080860% 0.000000% 0.000000% 0.~~080122~~080860% 30 Days 0.~~090334~~517189% 0.000000% 0.000000% 0.000000% 0.~~090334~~517189% 0.~~083264~~411063% 0.000000% 0.000000% 0.000000% 0.~~083264~~411063% 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.~~030111~~000000% 0.000000% 0.~~030111~~000000% 0.000000% 0.000000% 0.~~016188~~000000% 0.000000% 0.~~016188~~000000% 120 Days 0.000000% 0.000000% 0.~~000000~~030423% 0.000000% 0.~~000000~~030423% 0.000000% 0.000000% 0.~~000000~~016341% 0.000000% 0.~~000000~~016341% 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.~~090334~~517189% 0.~~060223~~060846% 0.~~030111~~030423% 0.000000% 0.~~180668~~608458% 0.~~083264~~411063% 0.~~080122~~080860% 0.~~016188~~016341% 0.000000% 0.~~179574~~508265%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 01 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 2 0 0 2 ~~412~~411,~~268~~937.8084 0.00 0.00 ~~412~~411,~~268~~937.8084 30 Days 26 0 0 0 26 ~~396~~697,~~715~~139.3613 0.00 0.00 0.00 ~~396~~697,~~715~~139.3613 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 10 0 10 0.00 0.00 ~~83,293~~0.1100 0.00 ~~83,293~~0.1100 120 Days 0 0 01 0 01 0.00 0.00 083,250.0074 0.00 083,250.0074 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 26 2 1 0 59 ~~396~~697,~~715~~139.3613 ~~412~~411,~~268~~937.8084 83,~~293~~250.1174 0.00 ~~892~~1,~~277~~192,327.2771 0-29 Days 0.~~304878~~311042% 0.000000% 0.000000% 0.~~304878~~311042% 0.~~404890~~415240% 0.000000% 0.000000% 0.~~404890~~415240% 30 Days 0.~~304878~~933126% 0.000000% 0.000000% 0.000000% 0.~~304878~~933126% 0.~~389615~~702728% 0.000000% 0.000000% 0.000000% 0.~~389615~~702728% 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.~~152439~~000000% 0.000000% 0.~~152439~~000000% 0.000000% 0.000000% 0.~~081802~~000000% 0.000000% 0.~~081802~~000000% 120 Days 0.000000% 0.000000% 0.~~000000~~155521% 0.000000% 0.~~000000~~155521% 0.000000% 0.000000% 0.~~000000~~083918% 0.000000% 0.~~000000~~083918% 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.~~304878~~933126% 0.~~304878~~311042% 0.~~152439~~155521% 0.000000% 01.~~762195~~399689% 0.~~389615~~702728% 0.~~404890~~415240% 0.~~081802~~083918% 0.000000% 01.~~876307~~201887% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 111 0 0 0 111 311,~~720~~397,011.4901 0.00 0.00 0.00 311,~~720~~397,011.4901 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 111 0 0 0 111 311,~~720~~397,011.4901 0.00 0.00 0.00 311,~~720~~397,011.4901 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~037523~~416036% 0.000000% 0.000000% 0.000000% 0.~~037523~~416036% 0.~~007686~~340533% 0.000000% 0.000000% 0.000000% 0.~~007686~~340533% 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.~~037523~~416036% 0.000000% 0.000000% 0.000000% 0.~~037523~~416036% 0.~~007686~~340533% 0.000000% 0.000000% 0.000000% 0.~~007686~~340533%

COLLATERAL STATEMENT Collateral Description Fixed & Mixed ARM Weighted Average Gross Coupon 7.~~580646~~577997% Weighted Average Net Coupon 7.~~080646~~077997% Weighted Average Pass-Through Rate 7.~~069146~~066497% Weighted Average Maturity(Stepdown Calculation ) ~~326~~325 Beginning Scheduled Collateral Loan Count 3,~~331~~321 Number Of Loans Paid In Full 1034 Ending Scheduled Collateral Loan Count 3,~~321~~287 Beginning Scheduled Collateral Balance ~~516~~514,~~643~~550,~~941~~729.8871 Ending Scheduled Collateral Balance ~~514~~509,~~550~~447,~~729~~077.7115 Ending Actual Collateral Balance at 31-~~Jul~~Aug-2004 ~~514~~509,~~550~~447,~~729~~077.7115 Monthly P &I Constant 3,~~865~~853,~~713~~878.0426 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal ~~601~~604,~~967~~491.3986 Unscheduled Principal 14,~~491~~499,~~244~~160.7870

Curtailments $42,694.39

Group Level Collateral Statement Group 01 2 Total Collateral Description Mixed ARM Mixed Fixed Fixed & Mixed ARM Weighted Average Coupon Rate 7.~~959287~~955394 7.~~486645~~484890 7.~~580646~~577997 Weighted Average Net Rate 7.~~459287~~455394 6.~~986645~~984890 7.~~080646~~077997 Weighted Average Maturity ~~357~~356 ~~317~~316 ~~326~~325 Beginning Loan Count ~~660~~656 2,~~671~~665 3,~~331~~321 Loans Paid In Full 413 621 1034 Ending Loan Count ~~656~~643 2,~~665~~644 3,~~321~~287 Beginning Scheduled Balance ~~102~~101,~~752~~822,~~241~~463.7488 ~~413~~412,~~891~~728,~~700~~265.1483 ~~516~~514,~~643~~550,~~941~~729.8871 Ending scheduled Balance ~~101~~99,~~822~~204,~~463~~672.8821 ~~412~~410,~~728~~242,~~265~~404.8394 ~~514~~509,~~550~~447,~~729~~077.7115 Record Date 0708/31/2004 0708/31/2004 0708/31/2004 Principal And Interest Constant ~~754~~747,~~297~~763.4171 3,~~111~~106,~~415~~114.6355 3,~~865~~853,~~713~~878.0426 Scheduled Principal 72,~~768~~732.5916 ~~529~~531,~~198~~759.8070 ~~601~~604,~~967~~491.3986 Unscheduled Principal ~~857~~2,~~009.27 634~~545,~~235~~059.51 1,~~491~~954,~~244~~101.7819 4,499,160.70 Scheduled Interest ~~681~~675,~~528~~031.8255 2,~~582~~574,~~216~~354.8385 3,~~263~~249,~~745~~386.6540 Servicing Fees 42,~~813~~426.4303 ~~172~~171,~~454~~970.8811 ~~215~~214,~~268~~396.3114 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~984~~975.7180 3,~~966~~955.4631 4,~~951~~931.1711 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 ~~637~~631,~~730~~629.6872 2,~~405~~398,~~795~~429.4943 3,~~043~~030,~~526~~059.1715 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 7.~~447787~~443894 6.~~975145~~973390 7.~~069146~~066497

Filing Compare · RENAISSANCE HOME EQUITY LOAN TRUST 2004-2