8-K 1 rma04002_nov.txt NOVEMBER 8K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 26, 2004 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 54-2161148 Pooling and Servicing Agreement) (Commission 54-2161149 (State or other File Number) 54-2161150 jurisdiction IRS EIN 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 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 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. 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: 11/30/2004 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 November 26, 2004 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed ~~Certificates~~Certs. Record Date: 810/31/2004 Distribution Date: 911/2726/2004 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 12.~~77500~~09250% 3431,~~821~~216,~~994~~873.2695 5658,~~655~~060.5059 2,~~617~~717,~~791~~983.6752 AV2 759950CN6 SEN 12.~~91500~~23250% 53,000,000.00 93105,~~032~~170.5048 0.00 AV3 759950CP1 SEN 2.~~09500~~41250% 14,000,000.00 2630,~~884~~020.5177 0.00 AF1 759950CQ9 SEN 12.~~81500~~13250% ~~113~~106,~~328~~193,~~735~~414.4568 ~~188~~201,~~541~~285.4081 23,~~485~~569,~~860~~006.8984 AF2 759950CR7 SEN 3.90200% 69,000,000.00 224,~~353~~354.9618 0.00 AF3 759950CS5 SEN 4.46400% 46,000,000.00 171,111.5875 0.00 AF4 759950CT3 SEN 5.39200% 38,000,000.00 170,738.2643 0.00 AF5 759950CU0 SEN 6.05800% 28,800,000.00 145,384.8499 0.00 AF6 759950CV8 SEN 5.39600% 24,000,000.00 107,914.6980 0.00 M1 759950CX4 MEZ 5.91400% 15,600,000.00 76,878.2229 0.00 M2 759950CY2 MEZ 6.01100% 14,300,000.00 71,627.5663 0.00 M3 759950CZ9 MEZ 6.11000% 7,800,000.00 39,713.0508 0.00 M4 759950DA3 MEZ 6.30800% 9,100,000.00 47,833.3136 0.00 M5 759950DB1 MEZ 6.45500% 6,500,000.00 34,962.8690 0.00 M6 759950DC9 MEZ 6.45000% 7,800,000.00 41,922.9498 0.00 M7 759950DD7 MEZ 6.45000% 5,200,000.00 27,948.6265 0.00 M8 759950DE5 MEZ 6.45000% 5,980,000.00 32,140.9295 0.00 M9 759950DF2 MEZ 6.45000% 5,720,000.00 30,743.4952 0.00 BIO RMA042BIO MEZ 0.00000% 0.01 1,~~423~~324,~~406~~145.2480 0.00 P RMA04002P SEN 0.00000% 0.01 69133,~~608~~340.5427 0.00 Totals ~~498~~488,~~950~~210,~~729~~288.7365 3,~~081~~075,~~402~~299.9923 56,~~103~~286,~~652~~990.5636

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 3228,~~204~~498,~~202~~890.5943 2,~~674~~776,~~447~~044.1711 0.00 AV2 0.00 53,000,000.00 93105,~~032~~170.5048 0.00 AV3 0.00 14,000,000.00 2630,~~884~~020.5177 0.00 AF1 0.00 ~~110~~102,~~842~~624,~~874~~407.5684 23,~~674~~770,~~402~~292.2965 0.00 AF2 0.00 69,000,000.00 224,~~353~~354.9618 0.00 AF3 0.00 46,000,000.00 171,111.5875 0.00 AF4 0.00 38,000,000.00 170,738.2643 0.00 AF5 0.00 28,800,000.00 145,384.8499 0.00 AF6 0.00 24,000,000.00 107,914.6980 0.00 M1 0.00 15,600,000.00 76,878.2229 0.00 M2 0.00 14,300,000.00 71,627.5663 0.00 M3 0.00 7,800,000.00 39,713.0508 0.00 M4 0.00 9,100,000.00 47,833.3136 0.00 M5 0.00 6,500,000.00 34,962.8690 0.00 M6 0.00 7,800,000.00 41,922.9498 0.00 M7 0.00 5,200,000.00 27,948.6265 0.00 M8 0.00 5,980,000.00 32,140.9295 0.00 M9 0.00 5,720,000.00 30,743.4952 0.00 BIO 0.00 0.01 1,~~423~~324,~~406~~145.2480 0.00 P 0.00 0.01 69133,~~608~~340.5427 0.00 Totals 0.00 ~~493~~481,~~847~~923,~~077~~298.1729 89,~~185~~362,~~055~~289.5559 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 3431,~~821~~216,~~994~~873.2695 0.00 2,~~617~~717,~~791~~983.6752 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 ~~113~~106,~~328~~193,~~735~~414.4568 0.00 23,~~485~~569,~~860~~006.8984 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 ~~498~~488,~~950~~210,~~729~~288.7466 0.00 56,~~103~~286,~~652~~990.5636 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 2,~~617~~717,~~791~~983.6752 3228,~~204~~498,~~202~~890.5943 0.~~87038385~~77024028 2,~~617~~717,~~791~~983.6752 AV2 0.00 53,000,000.00 1.00000000 0.00 AV3 0.00 14,000,000.00 1.00000000 0.00 AF1 23,~~485~~569,~~860~~006.8984 ~~110~~102,~~842~~624,~~874~~407.5684 0.~~95062500~~88014072 23,~~485~~569,~~860~~006.8984 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 56,~~103~~286,~~652~~990.5636 ~~493~~481,~~847~~923,~~077~~298.1830 0.~~97907827~~95543874 56,~~103~~286,~~652~~990.5636

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 37,000,000.00 ~~941~~843.~~13498000~~69929595 0.00000000 7073.~~75112622~~45901405 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 ~~971~~910.~~94455789~~74969708 0.00000000 2130.~~31956166~~60897804 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 7073.~~75112622~~45901405 ~~870~~770.~~38385378~~24028189 0.~~87038385~~77024028 7073.~~75112622~~45901405 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 2130.~~31956166~~60897804 ~~950~~880.~~62499623~~14071904 0.~~95062500~~88014072 2130.~~31956166~~60897804 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 12.~~77500~~09250% 3431,~~821~~216,~~994~~873.2695 5658,~~658~~063.2939 0.00 0.00 AV2 53,000,000.00 12.~~91500~~23250% 53,000,000.00 93105,~~037~~175.0856 0.00 0.00 AV3 14,000,000.00 2.~~09500~~41250% 14,000,000.00 2630,~~885~~022.8322 0.00 0.00 AF1 116,600,000.00 12.~~81500~~13250% ~~113~~106,~~328~~193,~~735~~414.4568 ~~188~~201,~~550~~295.6852 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,~~588~~617,~~466~~891.3819 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 2.7980 0.00 5658,~~655~~060.5059 0.00 3228,~~204~~498,~~202~~890.5943 AV2 45.5807 0.00 93105,~~032~~170.5048 0.00 53,000,000.00 AV3 1.3245 0.00 2630,~~884~~020.5177 0.00 14,000,000.00 AF1 9.2871 0.00 ~~188~~201,~~541~~285.4081 0.00 ~~110~~102,~~842~~624,~~874~~407.5684 AF2 1110.0482 0.00 224,~~353~~354.9618 0.00 69,000,000.00 AF3 8.4225 0.00 171,111.5875 0.00 46,000,000.00 AF4 8.4023 0.00 170,738.2643 0.00 38,000,000.00 AF5 7.1601 0.00 145,384.8499 0.00 28,800,000.00 AF6 5.3120 0.00 107,914.6980 0.00 24,000,000.00 M1 3.7871 0.00 76,878.2229 0.00 15,600,000.00 M2 3.5345 0.00 71,627.5663 0.00 14,300,000.00 M3 1.9592 0.00 39,713.0508 0.00 7,800,000.00 M4 2.3531 0.00 47,833.3136 0.00 9,100,000.00 M5 1.7269 0.00 34,962.8690 0.00 6,500,000.00 M6 2.0602 0.00 41,922.9498 0.00 7,800,000.00 M7 1.3835 0.00 27,948.6265 0.00 5,200,000.00 M8 1.5855 0.00 32,140.9295 0.00 5,980,000.00 M9 1.5148 0.00 30,743.4952 0.00 5,720,000.00 BIO 0.00 0.00 1,~~423~~324,~~406~~145.2480 0.00 0.01 P 0.00 0.00 69133,~~608~~340.5427 0.00 0.01 Totals 78.1602 0.00 3,~~081~~075,~~402~~299.9923 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 12.~~77500~~09250% ~~941~~843.~~13498000~~69929595 1.~~53130514~~56928081 0.00000000 0.00000000 AV2 53,000,000.00 12.~~91500~~23250% 1000.00000000 1.~~75541660~~98444453 0.00000000 0.00000000 AV3 14,000,000.00 2.~~09500~~41250% 1000.00000000 12.~~92041643~~14444429 0.00000000 0.00000000 AF1 116,600,000.00 12.~~81500~~13250% ~~971~~910.~~94455789~~74969708 1.~~61707273~~72637667 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.~~00007541~~00007568 0.00000000 1.~~53122973~~56920514 0.00000000 ~~870~~770.~~38385378~~24028189 AV2 0.~~00008642~~00009566 0.00000000 1.~~75533019~~98434868 0.00000000 1000.00000000 AV3 0.~~00009429~~00010357 0.00000000 12.~~92032214~~14434071 0.00000000 1000.00000000 AF1 0.~~00007959~~00008328 0.00000000 1.~~61699314~~72629340 0.00000000 ~~950~~880.~~62499623~~14071904 AF2 0.~~00016000~~00015681 0.00000000 3.~~25150667~~25150986 0.00000000 1000.00000000 AF3 0.~~00018304~~00017935 0.00000000 3.~~71981696~~71982065 0.00000000 1000.00000000 AF4 0.~~00022105~~00021658 0.00000000 4.~~49311211~~49311658 0.00000000 1000.00000000 AF5 0.~~00024861~~00024340 0.00000000 5.~~04808472~~04808993 0.00000000 1000.00000000 AF6 0.~~00022125~~00021667 0.00000000 4.~~49644542~~49645000 0.00000000 1000.00000000 M1 0.~~00024231~~00023782 0.00000000 4.~~92809103~~92809551 0.00000000 1000.00000000 M2 0.~~00024685~~00024126 0.00000000 5.~~00892028~~00892517 0.00000000 1000.00000000 M3 0.~~00025000~~00024615 0.00000000 5.~~09141667~~09142051 0.00000000 1000.00000000 M4 0.~~00025824~~00025385 0.00000000 5.~~25640769~~25641319 0.00000000 1000.00000000 M5 0.~~00026462~~00026000 0.00000000 5.~~37890154~~37890769 0.00000000 1000.00000000 M6 0.~~00026410~~00025897 0.00000000 5.~~37473590~~37474103 0.00000000 1000.00000000 M7 0.~~00026538~~00025962 0.00000000 5.~~37473462~~37474038 0.00000000 1000.00000000 M8 0.~~00026421~~00025920 0.00000000 5.~~37473579~~37474080 0.00000000 1000.00000000 M9 0.~~00026399~~00025874 0.00000000 5.~~37473601~~37474126 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 89,~~404~~595,~~382~~224.8048 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 89,~~404~~595,~~382~~224.8048 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~237~~232,~~513~~934.9289 Payment of Interest and Principal 89,~~185~~362,~~055~~289.5559 Total Withdrawals (Pool Distribution Amount) 89,~~422~~595,~~569~~224.4748 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 7978.0690

SERVICING FEES Gross Servicing Fee ~~214~~209,~~396~~920.1495 FSA Premium 18,~~186~~185.6776 Wells Fargo Bank, NA 4,~~931~~828.1118 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~237~~232,~~513~~934.9289

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 ~~411~~379,~~937~~033.8400 0.00 0.00 ~~411~~379,~~937~~033.8400 30 Days 1773 01 0 0 1774 210,~~094~~609,~~150~~611.1454 0274,856.0047 0.00 0.00 210,~~094~~884,~~150~~468.1401 60 Days 06 01 07 0 014 0659,507.0019 0134,602.0068 0791,555.0063 0.00 01,585,665.0050 90 Days 0 0 08 0 08 0.00 0.00 0786,241.0055 0.00 0786,241.0055 120 Days 0 0 10 0 10 0.00 0.00 ~~83,250~~0.7400 0.00 ~~83,250~~0.7400 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 01 01 0.00 0.00 0.00 083,164.0098 083,164.0098 Totals 1779 24 15 1 099 ~~20 2~~11,~~094~~269,~~150~~118.1473 ~~411~~788,~~937~~492.8415 831,~~250~~577,797.7418 083,164.0098 213,~~589~~718,~~338~~573.7204 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.~~060846~~062189% 0.000000% 0.000000% 0.~~060846~~062189% 0.~~080860~~076184% 0.000000% 0.000000% 0.~~080860~~076184% 30 Days 02.~~517189~~269900% 0.~~000000~~031095% 0.000000% 0.000000% 02.~~517189~~300995% 02.~~411063~~132485% 0.~~000000~~055245% 0.000000% 0.000000% 02.~~411063~~187730% 60 Days 0.~~000000~~186567% 0.~~000000~~031095% 0.~~000000~~217662% 0.000000% 0.~~000000~~435323% 0.~~000000~~132558% 0.~~000000~~027055% 0.~~000000~~159099% 0.000000% 0.~~000000~~318712% 90 Days 0.000000% 0.000000% 0.~~000000~~248756% 0.000000% 0.~~000000~~248756% 0.000000% 0.000000% 0.~~000000~~158031% 0.000000% 0.~~000000~~158031% 120 Days 0.000000% 0.000000% 0.~~030423~~000000% 0.000000% 0.~~030423~~000000% 0.000000% 0.000000% 0.~~016341~~000000% 0.000000% 0.~~016341~~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~~031095% 0.~~000000~~031095% 0.000000% 0.000000% 0.000000% 0.~~000000~~016716% 0.~~000000~~016716% Totals 02.~~517189~~456468% 0.~~060846~~124378% 0.~~030423~~466418% 0.~~000000~~031095% 03.~~608458~~078358% 02.~~411063~~265043% 0.~~080860~~158483% 0.~~016341~~317130% 0.~~000000~~016716% 02.~~508265~~757373%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 2 0 0 2 ~~411~~379,~~937~~033.8400 0.00 0.00 ~~411~~379,~~937~~033.8400 30 Days 629 01 0 0 630 ~~697~~4,~~139~~088,661.1383 0274,856.0047 0.00 0.00 ~~697~~4,~~139~~363,518.1330 60 Days 02 0 03 0 05 0174,470.0069 0.00 0305,003.0003 0.00 0479,473.0072 90 Days 0 0 01 0 01 0.00 0.00 047,460.0083 0.00 047,460.0083 120 Days 0 0 10 0 10 0.00 0.00 ~~83,250~~0.7400 0.00 ~~83,250~~0.7400 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 01 01 0.00 0.00 0.00 083,164.0098 083,164.0098 Totals 631 23 4 1 039 94,263,132.52 ~~697~~653,~~139~~889.1347 ~~411~~352,~~937~~463.8486 83,~~250~~164.7498 ~~0.00 1~~5,~~192~~352,~~327~~650.7183 0-29 Days 0.~~311042~~320513% 0.000000% 0.000000% 0.~~311042~~320513% 0.~~415240~~396896% 0.000000% 0.000000% 0.~~415240~~396896% 30 Days 04.~~933126~~647436% 0.~~000000~~160256% 0.000000% 0.000000% 04.~~933126~~807692% 04.~~702728~~281350% 0.~~000000~~287810% 0.000000% 0.000000% 04.~~702728~~569160% 60 Days 0.~~000000~~320513% 0.000000% 0.~~000000~~480769% 0.000000% 0.~~000000~~801282% 0.~~000000~~182693% 0.000000% 0.~~000000~~319377% 0.000000% 0.~~000000~~502070% 90 Days 0.000000% 0.000000% 0.~~000000~~160256% 0.000000% 0.~~000000~~160256% 0.000000% 0.000000% 0.~~000000~~049698% 0.000000% 0.~~000000~~049698% 120 Days 0.000000% 0.000000% 0.~~155521~~000000% 0.000000% 0.~~155521~~000000% 0.000000% 0.000000% 0.~~083918~~000000% 0.000000% 0.~~083918~~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~~160256% 0.~~000000~~160256% 0.000000% 0.000000% 0.000000% 0.~~000000~~087084% 0.~~000000~~087084% Totals 04.~~933126~~967949% 0.~~311042~~480769% 0.~~155521~~641026% 0.~~000000~~160256% 16.~~399689~~250000% 04.~~702728~~464043% 0.~~415240~~684706% 0.~~083918~~369075% 0.~~000000~~087084% 15.~~201887~~604908% 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 1144 0 0 0 1144 16,~~397~~520,~~011~~949.0171 0.00 0.00 0.00 16,~~397~~520,~~011~~949.0171 60 Days 04 01 04 0 09 0485,036.0050 0134,602.0068 0486,552.0060 0.00 01,106,191.0078 90 Days 0 0 07 0 07 0.00 0.00 0738,780.0072 0.00 0738,780.0072 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 1148 01 011 0 1160 17,~~397~~005,~~011~~986.0121 0134,602.0068 01,225,333.0032 0.00 18,~~397~~365,~~011~~922.0121 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~416036~~697531% 0.000000% 0.000000% 0.000000% 01.~~416036~~697531% 01.~~340533~~622030% 0.000000% 0.000000% 0.000000% 01.~~340533~~622030% 60 Days 0.~~000000~~154321% 0.~~000000~~038580% 0.~~000000~~154321% 0.000000% 0.~~000000~~347222% 0.~~000000~~120649% 0.~~000000~~033481% 0.~~000000~~121026% 0.000000% 0.~~000000~~275156% 90 Days 0.000000% 0.000000% 0.~~000000~~270062% 0.000000% 0.~~000000~~270062% 0.000000% 0.000000% 0.~~000000~~183765% 0.000000% 0.~~000000~~183765% 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.~~416036~~851852% 0.~~000000~~038580% 0.~~000000~~424383% 0.000000% 02.~~416036~~314815% 01.~~340533~~742679% 0.~~000000~~033481% 0.~~000000~~304791% 0.000000% 02.~~340533~~080951%

COLLATERAL STATEMENT Collateral Description Fixed & Mixed ARM Weighted Average Gross Coupon 7.~~577997~~562306% Weighted Average Net Coupon 7.~~077997~~062306% Weighted Average Pass-Through Rate 7.~~066497~~050806% Weighted Average Maturity(Stepdown Calculation ) ~~325~~323 Beginning Scheduled Collateral Loan Count 3,~~321~~252 Number Of Loans Paid In Full 3436 Ending Scheduled Collateral Loan Count 3,~~287~~216 Beginning Scheduled Collateral Balance ~~514~~503,~~550~~810,~~729~~288.7163 Ending Scheduled Collateral Balance ~~509~~497,~~447~~523,~~077~~298.1527 Ending Actual Collateral Balance at 31-~~Aug~~Oct-2004 ~~509~~497,~~447~~523,~~077~~298.1527 Monthly P &I Constant 3,~~853~~779,~~878~~280.2615 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 604,~~491~~307.8624 Unscheduled Principal 45,~~499~~682,~~160~~683.7012

Miscellaneous Reporting Delinquency Event NO Cumulative Loss Event NO Overcollateralization Amount 15,~~600~~599,~~000~~999.00100 Required Overcollateralization Amount 15,600,000.00

Group Level Collateral Statement Group 1 2 Total Collateral Description Mixed ARM Mixed Fixed Fixed & Mixed ARM Weighted Average Coupon Rate 7.~~955394~~939308 7.~~484890~~471012 7.~~577997~~562306 Weighted Average Net Rate 7.~~455394~~439308 6.~~984890~~971012 7.~~077997~~062306 Weighted Average Maturity ~~356~~354 ~~316~~314 ~~325~~323 Beginning Loan Count ~~656~~637 2,~~665~~615 3,~~321~~252 Loans Paid In Full 13 2123 3436 Ending Loan Count ~~643~~624 2,~~644~~592 3,~~287~~216 Beginning Scheduled Balance ~~101~~98,~~822~~217,~~463~~343.8857 ~~412~~405,~~728~~592,~~265~~945.8306 ~~514~~503,~~550~~810,~~729~~288.7163 Ending scheduled Balance 9995,~~204~~499,~~672~~360.2105 ~~410~~402,~~242~~023,~~404~~938.9422 ~~509~~497,~~447~~523,~~077~~298.1527 Record Date 0810/31/2004 0810/31/2004 0810/31/2004 Principal And Interest Constant ~~747~~721,~~763~~340.7134 3,~~106~~057,~~114~~939.5581 3,~~853~~779,~~878~~280.2615 Scheduled Principal 7271,~~732~~525.1654 ~~531~~532,~~759~~781.70 604,~~491~~307.8624 Unscheduled Principal 2,~~545~~646,~~059~~457.5198 13,~~954~~036,~~101~~225.1914 45,~~499~~682,~~160~~683.7012 Scheduled Interest ~~675~~649,~~031~~814.5580 2,~~574~~525,~~354~~158.8511 3,~~249~~174,~~386~~972.4091 Servicing Fees 4240,~~426~~923.0389 ~~171~~168,~~970~~997.1106 ~~214~~209,~~396~~920.1495 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~975~~941.8025 3,~~955~~886.3193 4,~~931~~828.1118 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 ~~631~~607,~~629~~949.7266 2,~~398~~352,~~429~~274.4312 32,~~030~~960,~~059~~223.1578 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.~~443894~~427808 6.~~973390~~959512 7.~~066497~~050806

Filing Compare · RENAISSANCE HOME EQUITY LOAN TRUST 2004-2