8-K 1 opt04002_dec.txt DECEMBER 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2004 OPTION ONE MORTGAGE LOAN TRUST Asset Backed Certificates, Series 2004-2 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-101483-04 54-2151966 Pooling and Servicing Agreement) (Commission 54-2151967 (State or other File Number) 54-2151968 jurisdiction IRS EIN of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, Maryland 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 OPTION ONE MORTGAGE LOAN TRUST, Asset Backed Certificates, 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 Asset Backed Certificates, Series 2004-2 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. OPTION ONE MORTGAGE LOAN TRUST Asset Backed Certificates, 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: 12/29/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Asset Backed Certificates, Series 2004-2 Trust, relating to the December 27, 2004 distribution. EX-99.1

Option One Mortgage Loan Trust ~~Mortgage~~Asset ~~Pass-Through~~Backed Certificates Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~OOMC~~Option One Mortgage Loan Trust Asset Backed Certificates 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 A-1A 68389FFB5 SEN 2.~~14250~~39000% ~~297~~286,~~439~~248,~~362~~139.64 ~~566~~589,~~456~~114.7457 1113,~~191~~562,~~223~~176.0021 A-1B 68389FFC3 SEN 2.~~17250~~42000% ~~176~~170,~~684~~036,~~405~~615.6207 ~~341~~354,~~197~~337.2241 68,~~647~~056,~~790~~179.5599 A-2 68389FFD1 SEN 2.~~04250~~29000% 5950,~~269~~714,~~646~~464.1279 ~~107~~100,~~607~~006.3411 810,~~555~~037,~~181~~172.3379 A-3 68389FFE9 SEN 2.~~14250~~39000% 159,710,000.00 ~~304~~328,~~158~~692.8205 0.00 A-4 68389FFF6 SEN 2.~~38250~~63000% 31,070,000.00 6570,~~799~~364.3692 0.00 M-1 68389FFG4 MEZ 2.~~46250~~71000% 58,000,000.00 ~~126~~135,~~955~~349.5644 0.00 M-2 68389FFH2 MEZ 23.~~98250~~23000% 47,500,000.00 ~~125~~132,~~927~~115.7897 0.00 M-3 68389FFJ8 MEZ 3.~~18250~~43000% 14,000,000.00 3941,~~604~~350.4456 0.00 M-4 68389FFK5 MEZ 3.~~73250~~98000% 10,000,000.00 3334,~~177~~272.7822 0.00 M-5 68389FFL3 MEZ 34.~~93250~~18000% 12,500,000.00 4344,~~694~~993.4406 0.00 M-6 68389FFM1 MEZ 5.~~23250~~48000% 10,000,000.00 4647,~~511~~188.1189 0.00 M-7 68389FFN9 MEZ 5.~~43250~~68000% 10,500,000.00 5051,~~703~~356.3367 0.00 C OPT04002C OC 0.00000% 12,500,000.00 2,~~731~~495,~~937~~005.7321 0.00 P OPT04002P pre-pay 0.00000% 100.00 ~~456~~518,~~053~~919.1895 0.00 R OPT0402R1 RES 0.00000% 0.00 0.00 0.00 Totals ~~899~~872,~~173~~779,~~514~~319.3850 54,~~039~~943,~~784~~067.8303 2631,~~394~~655,~~194~~528.8899

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses A-1A 0.00 ~~286~~272,~~248~~685,~~139~~963.6444 1114,~~757~~151,~~679~~290.7478 0.00 A-1B 0.00 ~~170~~161,~~036~~980,~~615~~435.0708 68,~~988~~410,~~987~~517.7740 0.00 A-2 0.00 5040,~~714~~677,~~464~~292.7900 810,~~662~~137,~~788~~178.6790 0.00 A-3 0.00 159,710,000.00 ~~304~~328,~~158~~692.8205 0.00 A-4 0.00 31,070,000.00 6570,~~799~~364.3692 0.00 M-1 0.00 58,000,000.00 ~~126~~135,~~955~~349.5644 0.00 M-2 0.00 47,500,000.00 ~~125~~132,~~927~~115.7897 0.00 M-3 0.00 14,000,000.00 3941,~~604~~350.4456 0.00 M-4 0.00 10,000,000.00 3334,~~177~~272.7822 0.00 M-5 0.00 12,500,000.00 4344,~~694~~993.4406 0.00 M-6 0.00 10,000,000.00 4647,~~511~~188.1189 0.00 M-7 0.00 10,500,000.00 5051,~~703~~356.3367 0.00 C 0.00 12,500,000.00 2,~~731~~495,~~937~~005.7321 0.00 P 0.00 100.00 ~~456~~518,~~053~~919.1895 0.00 R 0.00 0.00 0.00 0.00 Totals 0.00 ~~872~~841,~~779~~123,~~319~~790.5052 3136,~~433~~598,~~979~~596.7102 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 336,690,000.00 ~~297~~286,~~439~~248,~~362~~139.64 0.00 1113,~~191~~562,~~223~~176.0021 0.00 0.00 A-1B 200,000,000.00 ~~176~~170,~~684~~036,~~405~~615.6207 0.00 68,~~647~~056,~~790~~179.5599 0.00 0.00 A-2 97,530,000.00 5950,~~269~~714,~~646~~464.1279 0.00 810,~~555~~037,~~181~~172.3379 0.00 0.00 A-3 159,710,000.00 159,710,000.00 0.00 0.00 0.00 0.00 A-4 31,070,000.00 31,070,000.00 0.00 0.00 0.00 0.00 M-1 58,000,000.00 58,000,000.00 0.00 0.00 0.00 0.00 M-2 47,500,000.00 47,500,000.00 0.00 0.00 0.00 0.00 M-3 14,000,000.00 14,000,000.00 0.00 0.00 0.00 0.00 M-4 10,000,000.00 10,000,000.00 0.00 0.00 0.00 0.00 M-5 12,500,000.00 12,500,000.00 0.00 0.00 0.00 0.00 M-6 10,000,000.00 10,000,000.00 0.00 0.00 0.00 0.00 M-7 10,500,000.00 10,500,000.00 0.00 0.00 0.00 0.00 C 12,499,988.84 12,500,000.00 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 R 0.00 0.00 0.00 0.00 0.00 0.00 Totals 1,000,000,088.84 ~~899~~872,~~173~~779,~~514~~319.3850 0.00 2631,~~394~~655,~~194~~528.8899 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 1113,~~191~~562,~~223~~176.0021 ~~286~~272,~~248~~685,~~139~~963.6444 0.~~85018308~~80990218 1113,~~191~~562,~~223~~176.0021 A-1B 68,~~647~~056,~~790~~179.5599 ~~170~~161,~~036~~980,~~615~~435.0708 0.~~85018308~~80990218 68,~~647~~056,~~790~~179.5599 A-2 810,~~555~~037,~~181~~172.3379 5040,~~714~~677,~~464~~292.7900 0.~~51998836~~41707466 810,~~555~~037,~~181~~172.3379 A-3 0.00 159,710,000.00 1.00000000 0.00 A-4 0.00 31,070,000.00 1.00000000 0.00 M-1 0.00 58,000,000.00 1.00000000 0.00 M-2 0.00 47,500,000.00 1.00000000 0.00 M-3 0.00 14,000,000.00 1.00000000 0.00 M-4 0.00 10,000,000.00 1.00000000 0.00 M-5 0.00 12,500,000.00 1.00000000 0.00 M-6 0.00 10,000,000.00 1.00000000 0.00 M-7 0.00 10,500,000.00 1.00000000 0.00 C 0.00 12,500,000.00 1.00000089 0.00 P 0.00 100.00 1.00000000 0.00 R 0.00 0.00 0.00000000 0.00 Totals 2631,~~394~~655,~~194~~528.8899 ~~872~~841,~~779~~123,~~319~~790.5052 0.~~87277924~~84112372 2631,~~394~~655,~~194~~528.8899

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion A-1A 336,690,000.00 ~~883~~850.~~42202810~~18307535 0.00000000 3340.~~23895275~~28089997 0.00000000 A-1B 200,000,000.00 ~~883~~850.~~42202810~~18307535 0.00000000 3340.~~23895275~~28089995 0.00000000 A-2 97,530,000.00 ~~607~~519.~~70681965~~98836040 0.00000000 87102.~~71845924~~91369620 0.00000000 A-3 159,710,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-4 31,070,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-1 58,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-2 47,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-3 14,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-4 10,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-5 12,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-6 10,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M-7 10,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 C 12,499,988.84 1000.00089280 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000 denomination

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution A-1A 0.00000000 3340.~~23895275~~28089997 ~~850~~809.~~18307535~~90217541 0.~~85018308~~80990218 3340.~~23895275~~28089997 A-1B 0.00000000 3340.~~23895275~~28089995 ~~850~~809.~~18307535~~90217540 0.~~85018308~~80990218 3340.~~23895275~~28089995 A-2 0.00000000 87102.~~71845924~~91369620 ~~519~~417.~~98836040~~07466421 0.~~51998836~~41707466 87102.~~71845924~~91369620 A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 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 C 0.00000000 0.00000000 1,000.00089280 1.00000089 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 R 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 336,690,000.00 2.~~14250~~39000% ~~297~~286,~~439~~248,~~362~~139.64 ~~566~~589,~~456~~114.7457 0.00 0.00 A-1B 200,000,000.00 2.~~17250~~42000% ~~176~~170,~~684~~036,~~405~~615.6207 ~~341~~354,~~197~~337.2241 0.00 0.00 A-2 97,530,000.00 2.~~04250~~29000% 5950,~~269~~714,~~646~~464.1279 ~~107~~100,~~607~~006.3411 0.00 0.00 A-3 159,710,000.00 2.~~14250~~39000% 159,710,000.00 ~~304~~328,~~158~~692.8205 0.00 0.00 A-4 31,070,000.00 2.~~38250~~63000% 31,070,000.00 6570,~~799~~364.3692 0.00 0.00 M-1 58,000,000.00 2.~~46250~~71000% 58,000,000.00 ~~126~~135,~~955~~349.5644 0.00 0.00 M-2 47,500,000.00 23.~~98250~~23000% 47,500,000.00 ~~125~~132,~~927~~115.7897 0.00 0.00 M-3 14,000,000.00 3.~~18250~~43000% 14,000,000.00 3941,~~604~~350.4456 0.00 0.00 M-4 10,000,000.00 3.~~73250~~98000% 10,000,000.00 3334,~~177~~272.7822 0.00 0.00 M-5 12,500,000.00 34.~~93250~~18000% 12,500,000.00 4344,~~694~~993.4406 0.00 0.00 M-6 10,000,000.00 5.~~23250~~48000% 10,000,000.00 4647,~~511~~188.1189 0.00 0.00 M-7 10,500,000.00 5.~~43250~~68000% 10,500,000.00 5051,~~703~~356.3367 0.00 0.00 C 12,499,988.84 0.00000% 12,500,000.00 0.00 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 R 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 1,000,000,088.84 1,~~851~~929,~~793~~141.9287 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 ~~566~~589,~~456~~114.7457 0.00 ~~286~~272,~~248~~685,~~139~~963.6444 A-1B 0.00 0.00 ~~341~~354,~~197~~337.2241 0.00 ~~170~~161,~~036~~980,~~615~~435.0708 A-2 0.00 0.00 ~~107~~100,~~607~~006.3411 0.00 5040,~~714~~677,~~464~~292.7900 A-3 0.00 0.00 ~~304~~328,~~158~~692.8205 0.00 159,710,000.00 A-4 0.00 0.00 6570,~~799~~364.3692 0.00 31,070,000.00 M-1 0.00 0.00 ~~126~~135,~~955~~349.5644 0.00 58,000,000.00 M-2 0.00 0.00 ~~125~~132,~~927~~115.7897 0.00 47,500,000.00 M-3 0.00 0.00 3941,~~604~~350.4456 0.00 14,000,000.00 M-4 0.00 0.00 3334,~~177~~272.7822 0.00 10,000,000.00 M-5 0.00 0.00 4344,~~694~~993.4406 0.00 12,500,000.00 M-6 0.00 0.00 4647,~~511~~188.1189 0.00 10,000,000.00 M-7 0.00 0.00 5051,~~703~~356.3367 0.00 10,500,000.00 C 0.00 0.00 2,~~731~~495,~~937~~005.7321 0.00 12,500,000.00 P 0.00 0.00 ~~456~~518,~~053~~919.1895 0.00 100.00 R 0.00 0.00 0.00 0.00 0.00 Totals 0.00 0.00 54,~~039~~943,~~784~~067.8303 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 336,690,000.00 2.~~14250~~39000% ~~883~~850.~~42202810~~18307535 1.~~68242817~~74972399 0.00000000 0.00000000 A-1B 200,000,000.00 2.~~17250~~42000% ~~883~~850.~~42202810~~18307535 1.~~70598610~~77168705 0.00000000 0.00000000 A-2 97,530,000.00 2.~~04250~~29000% ~~607~~519.~~70681965~~98836040 1.~~10332554~~02538819 0.00000000 0.00000000 A-3 159,710,000.00 2.~~14250~~39000% 1000.00000000 12.~~90444443~~05805554 0.00000000 0.00000000 A-4 31,070,000.00 2.~~38250~~63000% 1000.00000000 2.~~11777792~~26472224 0.00000000 0.00000000 M-1 58,000,000.00 2.~~46250~~71000% 1000.00000000 2.~~18888897~~33361103 0.00000000 0.00000000 M-2 47,500,000.00 23.~~98250~~23000% 1000.00000000 2.~~65111116~~78138884 0.00000000 0.00000000 M-3 14,000,000.00 3.~~18250~~43000% 1000.00000000 2.~~82888857~~95361143 0.00000000 0.00000000 M-4 10,000,000.00 3.~~73250~~98000% 1000.00000000 3.~~31777800~~42722200 0.00000000 0.00000000 M-5 12,500,000.00 34.~~93250~~18000% 1000.00000000 3.~~49555520~~59944480 0.00000000 0.00000000 M-6 10,000,000.00 5.~~23250~~48000% 1000.00000000 4.~~65111100~~71888900 0.00000000 0.00000000 M-7 10,500,000.00 5.~~43250~~68000% 1000.00000000 4.~~82888857~~89111143 0.00000000 0.00000000 C 12,499,988.84 0.00000% 1000.00089280 0.00000000 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 R 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are per $1,000 denomination

Interest Distribution Factors Statement (continued) Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance A-1A 0.00000000 0.00000000 1.~~68242817~~74972399 0.00000000 ~~850~~809.~~18307535~~90217541 A-1B 0.00000000 0.00000000 1.~~70598610~~77168705 0.00000000 ~~850~~809.~~18307535~~90217540 A-2 0.00000000 0.00000000 1.~~10332554~~02538819 0.00000000 ~~519~~417.~~98836040~~07466421 A-3 0.00000000 0.00000000 12.~~90444443~~05805554 0.00000000 1000.00000000 A-4 0.00000000 0.00000000 2.~~11777792~~26472224 0.00000000 1000.00000000 M-1 0.00000000 0.00000000 2.~~18888897~~33361103 0.00000000 1000.00000000 M-2 0.00000000 0.00000000 2.~~65111116~~78138884 0.00000000 1000.00000000 M-3 0.00000000 0.00000000 2.~~82888857~~95361143 0.00000000 1000.00000000 M-4 0.00000000 0.00000000 3.~~31777800~~42722200 0.00000000 1000.00000000 M-5 0.00000000 0.00000000 3.~~49555520~~59944480 0.00000000 1000.00000000 M-6 0.00000000 0.00000000 4.~~65111100~~71888900 0.00000000 1000.00000000 M-7 0.00000000 0.00000000 4.~~82888857~~89111143 0.00000000 1000.00000000 C 0.00000000 0.00000000 ~~218~~199.~~55521353~~60059500 0.00000000 1000.00089280 P 0.00000000 0.00000000 ~~4560531~~5189199.~~80000000~~50000000 0.00000000 1000.00000000 R 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 3136,~~458~~565,~~646~~087.8497 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) (~~661~~17,776.9163) Prepayment Penalties ~~456~~518,~~053~~919.1895 Total Deposits 3137,~~914~~066,~~038~~231.1129 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~480~~467,~~058~~635.4027 Payment of Interest and Principal 3136,~~433~~598,~~979~~596.7102 Total Withdrawals (Pool Distribution Amount) 3137,~~914~~066,~~038~~231.1129 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~224~~218,~~793~~194.4899 PMI Mortgage Company ~~253~~247,~~016~~258.9624 Trustee Fee 2,~~247~~182.9604 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~480~~467,~~058~~635.4027

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 97 10 0 107 ~~816~~749,~~850~~862.7285 ~~297,709~~0.9400 0.00 1749,~~114,560~~862.6685 30 Days ~~108~~100 2 13 0 ~~111~~105 1614,~~135~~304,~~463~~968.1648 ~~268~~237,~~155~~397.1201 ~~160~~641,~~302~~771.5808 0.00 1615,~~563~~184,~~920~~136.8657 60 Days 2836 13 2014 0 4953 46,~~631~~193,~~474~~637.5954 ~~561~~828,~~326~~917.2075 32,~~462~~245,~~602~~929.8061 0.00 89,~~655~~268,~~403~~484.5990 90 Days 3845 1617 8999 47 ~~147~~168 67,~~359~~372,~~021~~083.0408 23,~~898~~307,~~297~~531.4567 1214,~~739~~376,~~420~~522.1490 ~~542~~803,~~787~~261.4221 2225,~~539~~859,~~526~~398.0586 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 ~~174~~181 2829 ~~111~~116 47 ~~317~~333 27,~~125~~870,~~958~~689.7910 45,~~544~~123,~~629~~709.4928 1617,~~660~~264,~~035~~223.4659 ~~542~~803,~~787~~261.4221 4851,~~873~~061,~~411~~883.1618 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.~~180723~~145439% 0.~~020080~~000000% 0.000000% 0.~~200803~~145439% 0.~~093549~~089107% 0.~~034095~~000000% 0.000000% 0.~~127644~~089107% 30 Days 2.~~168675~~077706% 0.~~040161~~041554% 0.~~020080~~062331% 0.000000% 2.~~228916~~181592% 1.~~847894~~699877% 0.~~030710~~028210% 0.~~018358~~076262% 0.000000% 1.~~896962~~804349% 60 Days 0.~~562249~~747974% 0.~~020080~~062331% 0.~~401606~~290879% 0.000000% 01.~~983936~~101184% 0.~~530414~~735997% 0.~~064285~~098501% 0.~~396550~~266887% 0.000000% 01.~~991249~~101385% 90 Days 0.~~763052~~934968% 0.~~321285~~353210% 12.~~787149~~056929% 0.~~080321~~145439% 23.~~951807~~490546% 0.~~728259~~876033% 0.~~331924~~393038% 1.~~458966~~708379% 0.~~062162~~095452% 23.~~581311~~072903% 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 3.~~493976~~760648% 0.~~562249~~602535% 2.~~228916~~410139% 0.~~080321~~145439% 6.~~365462~~918762% 3.~~106567~~311907% 0.~~520468~~608857% 12.~~907970~~051528% 0.~~062162~~095452% 56.~~597166~~067745%

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 1 0 0 1 107,~~477~~401.3281 0.00 0.00 107,~~477~~401.3281 30 Days 1916 0 0 0 1916 1,~~948~~928,~~657~~800.0445 0.00 0.00 0.00 1,~~948~~928,~~657~~800.0445 60 Days 38 0 0 0 38 ~~338~~980,~~213~~965.7405 0.00 0.00 0.00 ~~338~~980,~~213~~965.7405 90 Days 34 2 1413 12 2021 ~~205~~297,~~770~~175.8375 445,678.19 1,~~834~~762,~~101~~106.1127 49121,~~970~~098.9332 2,~~535~~626,~~521~~058.0653 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 2528 3 1413 12 4346 23,~~492~~206,~~641~~941.6125 553,~~155~~080.5100 1,~~834~~762,~~101~~106.1127 49121,~~970~~098.9332 45,~~929~~643,~~869~~225.1684 0-29 Days 0.~~094877~~096712% 0.000000% 0.000000% 0.~~094877~~096712% 0.~~070805~~072341% 0.000000% 0.000000% 0.~~070805~~072341% 30 Days 1.~~802657~~547389% 0.000000% 0.000000% 0.000000% 1.~~802657~~547389% 1.~~283749~~299153% 0.000000% 0.000000% 0.000000% 1.~~283749~~299153% 60 Days 0.~~284630~~773694% 0.000000% 0.000000% 0.000000% 0.~~284630~~773694% 0.~~222811~~660734% 0.000000% 0.000000% 0.000000% 0.~~222811~~660734% 90 Days 0.~~284630~~386847% 0.~~189753~~193424% 1.~~328273~~257253% 0.~~094877~~193424% 12.~~897533~~030948% 0.~~135559~~200164% 0.~~293607~~300189% 1.~~208281~~186875% 0.~~032920~~081566% 1.~~670367~~768794% 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 2.~~371917~~707930% 0.~~284630~~290135% 1.~~328273~~257253% 0.~~094877~~193424% 4.~~079696~~448743% 12.~~642118~~160050% 0.~~364411~~372530% 1.~~208281~~186875% 0.~~032920~~081566% 3.~~247731~~801021% 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 5 10 0 65 ~~512~~591,~~370~~567.2273 ~~297,709~~0.9400 0.00 ~~810~~591,~~080~~567.1673 30 Days 5548 2 1 3 0 5852 86,~~254~~675,~~611~~481.6523 ~~268~~165,~~155~~796.1280 ~~160~~641,~~302~~771.5808 0.00 87,~~683~~483,~~069~~049.3511 60 Days 1618 02 1310 0 2930 2,~~762~~841,~~818~~046.2696 0268,155.0012 21,~~378~~890,~~535~~810.6798 0.00 5,~~141~~000,~~353~~013.9306 90 Days 1822 89 4756 12 7489 34,~~108~~104,~~973~~121.0229 1,~~211~~287,~~394~~154.6501 68,~~349~~026,~~968~~998.5176 87212,~~414~~514.19 1013,~~757~~630,~~750~~788.3725 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 8988 1517 6269 12 ~~167~~176 1413,~~126~~620,~~402~~649.9348 12,~~991~~312,~~919~~673.9966 910,~~186~~559,~~516~~580.7082 87212,~~414~~514.19 2526,~~392~~705,~~253~~418.8115 0-29 Days 0.~~199124~~207039% 0.~~039825~~000000% 0.000000% 0.~~238949~~207039% 0.~~122345~~147707% 0.~~071088~~000000% 0.000000% 0.~~193432~~147707% 30 Days 21.~~190362~~987578% 0.~~079650~~041408% 0.~~039825~~124224% 0.000000% 2.~~309837~~153209% 1.~~971051~~666788% 0.~~064031~~041397% 0.~~038277~~160243% 0.000000% 21.~~073359~~868428% 60 Days 0.~~637196~~745342% 0.~~000000~~082816% 0.~~517722~~414079% 0.000000% 1.~~154918~~242236% 0.~~659711~~709376% 0.~~000000~~066955% 0.~~567951~~472113% 0.000000% 1.~~227662~~248444% 90 Days 0.~~716846~~910973% 0.~~318598~~372671% 12.~~871764~~318841% 0.~~039825~~082816% 23.~~947033~~685300% 01.~~742366~~024750% 0.~~289259~~321387% 12.~~516257~~004246% 0.~~020873~~053062% 23.~~568755~~403446% 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 3.~~544405~~643892% 0.~~597372~~703934% 2.~~469136~~857143% 0.~~039825~~082816% 67.~~650737~~287785% 3.~~373128~~400914% 0.~~475634~~577447% 2.~~193573~~636602% 0.~~020873~~053062% 6.~~063209~~668025% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 3 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 21 0 0 21 ~~117~~50,~~934~~893.5231 0.00 0.00 ~~117~~50,~~934~~893.5231 30 Days 1311 0 0 0 1311 1,~~637~~522,~~597~~925.4861 0.00 0.00 0.00 1,~~637~~522,~~597~~925.4861 60 Days 42 0 02 0 4 ~~417~~254,~~374~~844.7994 0.00 0126,841.0067 0.00 ~~417~~381,~~374~~686.7961 90 Days 35 0 42 0 7 ~~197~~329,~~467~~069.8339 0.00 ~~420~~277,~~437~~781.2106 0.00 ~~617~~606,~~905~~850.0445 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 2018 21 4 0 2623 2,~~252~~106,~~440~~839.1094 ~~117~~50,~~934~~893.5231 ~~420~~404,~~437~~622.2173 0.00 2,~~790~~562,~~811~~355.8398 0-29 Days 0.~~408163~~212314% 0.000000% 0.000000% 0.~~408163~~212314% 0.~~150735~~066490% 0.000000% 0.000000% 0.~~150735~~066490% 30 Days 2.~~653061~~335456% 0.000000% 0.000000% 0.000000% 2.~~653061~~335456% 21.~~093054~~989648% 0.000000% 0.000000% 0.000000% 21.~~093054~~989648% 60 Days 0.~~816327~~424628% 0.000000% 0.~~000000~~424628% 0.000000% 0.~~816327~~849257% 0.~~533457~~332946% 0.000000% 0.~~000000~~165714% 0.000000% 0.~~533457~~498660% 90 Days 01.~~612245~~061571% 0.000000% 0.~~816327~~424628% 0.000000% 1.~~428571~~486200% 0.~~252389~~429917% 0.000000% 0.~~537371~~362911% 0.000000% 0.~~789760~~792829% 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 43.~~081633~~821656% 0.~~408163~~212314% 0.~~816327~~849257% 0.000000% 54.~~306122~~883227% 2.~~878900~~752512% 0.~~150735~~066490% 0.~~537371~~528625% 0.000000% 3.~~567007~~347627% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 4 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 10 0 0 10 ~~79,068~~0.6600 0.00 0.00 ~~79,068~~0.6600 30 Days 2125 01 0 0 2126 4,~~294~~177,~~596~~761.9919 071,600.0021 0.00 0.00 4,~~294~~249,~~596~~361.9940 60 Days 58 1 72 0 1311 12,~~113~~116,~~067~~780.8059 ~~561~~560,~~326~~762.2063 1228,~~084,067~~276.1396 0.00 2,~~758~~905,~~461~~820.1318 90 Days 14 6 2428 23 4651 2,~~846~~641,~~809~~716.3665 1,~~241~~574,~~224~~699.6147 4,~~134~~309,~~913~~636.3181 ~~405~~469,~~402~~648.3070 8,~~628~~995,~~349~~701.5863 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 4047 8 3130 23 8188 8,~~254~~936,~~474~~258.1543 12,~~881~~207,~~619~~062.4731 54,~~218~~537,~~980~~913.4477 ~~405~~469,~~402~~648.3070 1516,~~760~~150,~~476~~883.3621 0-29 Days 0.~~108108~~000000% 0.000000% 0.000000% 0.~~108108~~000000% 0.~~035243~~000000% 0.000000% 0.000000% 0.~~035243~~000000% 30 Days 2.~~270270~~799552% 0.~~000000~~111982% 0.000000% 0.000000% 2.~~270270~~911534% 1.~~914196~~933955% 0.~~000000~~033145% 0.000000% 0.000000% 1.~~914196~~967099% 60 Days 0.~~540541~~895857% 0.~~108108~~111982% 0.~~756757~~223964% 0.000000% 1.~~405405~~231803% 0.~~496119~~979893% 0.~~250195~~259586% 0.~~483193~~105673% 0.000000% 1.~~229507~~345152% 90 Days 1.~~513514~~567749% 0.~~648649~~671892% 23.~~594595~~135498% 0.~~216216~~335946% 45.~~972973~~711086% 1.~~268886~~222894% 0.~~553241~~728954% 1.~~843022~~995002% 0.~~180697~~217408% 34.~~845845~~164259% 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 45.~~324324~~263158% 0.~~864865~~895857% 3.~~351351~~359462% 0.~~216216~~335946% 89.~~756757~~854423% 34.~~679201~~136741% 01.~~838679~~021686% 2.~~326214~~100675% 0.~~180697~~217408% 7.~~024791~~476510%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance ~~518~~501,~~124~~624.0676 Class M-1 117,000,088.84 11.70000784% 117,000,100.00 13.~~40546200~~90997393% 6.~~645437~~895537% 0.000000% Class M-2 69,500,088.84 6.95000827% 69,500,100.00 78.~~96307823~~26276712% 5.~~442384~~647207% 0.000000% Class M-3 55,500,088.84 5.55000839% 55,500,100.00 6.~~35900723~~59832722% 1.~~604071~~664440% 0.000000% Class M-4 45,500,088.84 4.55000848% 45,500,100.00 5.~~21324222~~40944157% 1.~~145765~~188886% 0.000000% Class R-I 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 6.~~758614~~750241% Weighted Average Net Coupon 6.~~458614~~450240% Weighted Average Pass-Through Rate 6.~~117948~~107281% Weighted Average Maturity(Stepdown Calculation ) ~~353~~352 Beginning Scheduled Collateral Loan Count 54,~~113~~980 Number Of Loans Paid In Full ~~133~~167 Ending Scheduled Collateral Loan Count 4,~~980~~813 Beginning Scheduled Collateral Balance ~~899~~872,~~173~~779,~~514~~319.3851 Ending Scheduled Collateral Balance ~~872~~841,~~779~~123,~~319~~790.5152 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~873~~841,~~181~~529,~~306~~847.9988 Monthly P &I Constant 5,~~863~~686,~~021~~384.1379 Special Servicing Fee 0.00 Prepayment Penalties ~~456~~518,~~053~~919.1895 Realized Loss Amount ~~661~~17,776.9163 Cumulative Realized Loss 1937,~~462~~239.6932 Ending Scheduled Balance for Premium Loans ~~872~~841,~~779~~123,~~319~~790.5152 Scheduled Principal ~~798~~776,~~715~~826.6704 Unscheduled Principal 2530,~~595~~878,~~479~~702.2095

Credit Enhancement: 1920.~~4623170~~050899% Trigger Event: Not Triggered In Effect Since: N/A Comments: N/A Stepdown Date Do Not Step Down In Effect Since N/A Comments N/A Unscheduled Principal - Voluntary 2530,~~532~~483,~~771~~351.5991 Unscheduled Principal - Involuntary 62395,~~707~~351.6104 Other Income ~~146~~0.2200 Delinquency Cut-Off Balance ~~884~~857,~~892~~846,~~696~~584.9179

Miscellaneous Reporting General Excess Available Amt 2,~~732~~512,~~599~~781.5877 Extra Principal Distribution Amt ~~661~~17,526.9163 Overcollateralization Amt 12,500,000.00 Overcollateralization Deficit Amt ~~661~~0.9100 Overcollateralization Increase Amt 0.00 Overcollateralization Release Amt 0.00 Specified Overcollateralization Amt 12,500,000.00 Stepdown FALSE Trigger Event FALSE

Group Level Collateral Statement Group Group 1 Group 2 Group 3 Collateral Description Mixed Fixed Mixed ARM Mixed Fixed Weighted Average Coupon Rate 7.~~171486~~165846 6.~~615157~~605493 7.~~251337~~233286 Weighted Average Net Rate 6.~~871486~~865844 6.~~315157~~305493 6.~~951337~~933286 Weighted Average Maturity ~~358~~357 ~~358~~357 ~~358~~357 Beginning Loan Count 1,~~070~~054 2,~~587~~511 ~~502~~490 Loans Paid In Full 1620 7696 1219 Ending Loan Count 1,~~054~~034 2,~~511~~415 ~~490~~471 Beginning Scheduled Balance ~~154~~151,~~575~~736,~~216~~583.3982 ~~433~~418,588,~~857~~924.8322 7978,~~446~~216,~~620~~265.0421 Ending scheduled Balance ~~151~~148,~~736~~409,~~583~~744.8265 ~~418~~400,~~588~~293,~~924~~808.2238 7876,~~216~~517,~~265~~403.2113 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~080~~060,~~150~~709.5884 2,~~767~~667,~~485~~596.0861 ~~556~~546,~~586~~660.7756 Scheduled Principal ~~156~~154,~~372~~609.2207 ~~377~~363,~~269~~441.7753 7675,~~508~~193.2637 Unscheduled Principal 23,~~682~~172,~~260~~230.3510 1417,~~622~~931,~~663~~674.8431 1,~~153~~623,~~846~~668.5771 Scheduled Interest ~~923~~906,~~778~~100.3677 2,~~390~~304,~~215~~155.3108 ~~480~~471,~~078~~467.5119 Servicing Fees 3837,~~643~~934.8529 ~~108~~104,~~397~~647.2325 19,~~861~~554.6507 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~386~~379.4635 1,~~083~~046.9753 ~~198~~195.6049 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 3635,~~572~~527.3038 ~~139~~135,~~350~~882.7699 14,~~014~~001.3019 Net Interest ~~885~~832,~~134~~259.4775 2,~~281~~062,~~817~~578.9931 ~~460~~437,~~216~~716.8944 Realized Loss Amount 0.00 015,818.0019 01,958.0044 Cumulative Realized Loss 0.00 1834,~~800~~618.7897 01,958.0044 Percentage of Cumulative Losses 0.0000 0.~~0039~~0072 0.~~0000~~0023 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 6.~~584568~~581878 5.~~926490~~912947 6.~~736659~~715480

Group Level Collateral Statement Group Group 4 Total Collateral Description Mixed ARM Mixed Fixed & Arm Weighted Average Coupon Rate 6.~~582576~~570723 6.~~758614~~750241 Weighted Average Net Rate 6.~~282576~~270723 6.~~458614~~450240 Weighted Average Maturity ~~358~~357 ~~353~~352 Beginning Loan Count ~~954~~925 54,~~113~~980 Loans Paid In Full 2932 ~~133~~167 Ending Loan Count ~~925~~893 4,~~980~~813 Beginning Scheduled Balance ~~231~~224,~~562~~237,~~820~~546.1226 ~~899~~872,~~173~~779,~~514~~319.3851 Ending scheduled Balance ~~224~~215,~~237~~902,~~546~~834.2636 ~~872~~841,~~779~~123,~~319~~790.5152 Record Date 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~458~~411,~~798~~417.7078 5,~~863~~686,~~021~~384.1379 Scheduled Principal ~~188~~183,~~565~~582.4207 ~~798~~776,~~715~~826.6704 Unscheduled Principal 78,~~136~~151,~~708~~129.4483 2530,~~595~~878,~~479~~702.2095 Scheduled Interest 1,~~270~~227,~~233~~835.2871 54,~~064~~909,~~305~~558.4675 Servicing Fees 5756,~~890~~059.7538 ~~224~~218,~~793~~194.4899 Master Servicing Fees 0.00 0.00 Trustee Fee ~~578~~560.9367 2,~~247~~182.9604 FRY Amount 0.00 0.00 Special Hazard Fee 0.00 0.00 Other Fee 0.00 0.00 Pool Insurance Fee 0.00 0.00 Spread Fee 1 0.00 0.00 Spread Fee 2 0.00 0.00 Spread Fee 3 6361,~~079~~846.6068 ~~253~~247,~~016~~258.9624 Net Interest 1,~~212~~109,~~342~~368.4298 4,~~839~~441,~~511~~923.7748 Realized Loss Amount ~~661~~0.9100 ~~661~~17,776.9163 Cumulative Realized Loss 661.91 1937,~~462~~239.6932 Percentage of Cumulative Losses 0.0003 0.~~0020~~0038 Prepayment Penalties 0.00 0.00 Special Servicing Fee 0.00 0.00 Pass-Through Rate 5.~~952686~~936752 6.~~117948~~107281

Filing Compare · OPTION ONE MORTGAGE ACCEPTANCE LOAN TRUST 2004-2