8-K 1 rma04002_dec.txt DECEMBER 8K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2004 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 December 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 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. 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: 12/30/2004 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 December 27, 2004 distribution. EX-99.1

Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed Certs. Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~RMAC~~Renaissance Mortgage Acceptance Corp. Home Equity Loan Asset-Backed Certs. 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 2.~~09250~~34000% 3128,~~216~~498,~~873~~890.9543 5857,~~060~~422.5950 23,~~717~~509,~~983~~530.5207 AV2 759950CN6 SEN 2.~~23250~~48000% 53,000,000.00 ~~105~~113,~~170~~178.4899 0.00 AV3 759950CP1 SEN 2.~~41250~~66000% 14,000,000.00 3032,~~020~~066.7723 0.00 AF1 759950CQ9 SEN 2.~~13250~~38000% ~~106~~102,~~193~~624,~~414~~407.6884 ~~201~~210,~~285~~312.8190 36,~~569~~444,~~006~~371.8416 AF2 759950CR7 SEN 3.90200% 69,000,000.00 224,354.1820 0.00 AF3 759950CS5 SEN 4.46400% 46,000,000.00 171,111.7576 0.00 AF4 759950CT3 SEN 5.39200% 38,000,000.00 170,738.4345 0.00 AF5 759950CU0 SEN 6.05800% 28,800,000.00 145,~~384~~385.9900 0.00 AF6 759950CV8 SEN 5.39600% 24,000,000.00 107,914.80 0.00 M1 759950CX4 MEZ 5.91400% 15,600,000.00 76,878.2930 0.00 M2 759950CY2 MEZ 6.01100% 14,300,000.00 71,627.63 0.00 M3 759950CZ9 MEZ 6.11000% 7,800,000.00 39,713.0809 0.00 M4 759950DA3 MEZ 6.30800% 9,100,000.00 47,833.36 0.00 M5 759950DB1 MEZ 6.45500% 6,500,000.00 34,962.90 0.00 M6 759950DC9 MEZ 6.45000% 7,800,000.00 41,922.98 0.00 M7 759950DD7 MEZ 6.45000% 5,200,000.00 27,948.65 0.00 M8 759950DE5 MEZ 6.45000% 5,980,000.00 32,140.95 0.00 M9 759950DF2 MEZ 6.45000% 5,720,000.00 30,743.52 0.00 BIO RMA042BIO MEZ 0.00000% 0.01 1,~~324~~264,~~145~~437.8072 0.00 P RMA04002P SEN 0.00000% 0.01 ~~133~~209,~~340~~198.2768 0.0001 Totals ~~488~~481,~~210~~923,~~288~~298.6529 3,~~075~~109,~~299~~892.2361 69,~~286~~953,~~990~~901.3624

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses AV1 0.00 2824,~~498~~989,~~890~~360.4336 23,~~776~~566,~~044~~952.1157 0.00 AV2 0.00 53,000,000.00 ~~105~~113,~~170~~178.4899 0.00 AV3 0.00 14,000,000.00 3032,~~020~~066.7723 0.00 AF1 0.00 ~~102~~96,~~624~~180,~~407~~036.8468 36,~~770~~654,~~292~~684.6506 0.00 AF2 0.00 69,000,000.00 224,354.1820 0.00 AF3 0.00 46,000,000.00 171,111.7576 0.00 AF4 0.00 38,000,000.00 170,738.4345 0.00 AF5 0.00 28,800,000.00 145,~~384~~385.9900 0.00 AF6 0.00 24,000,000.00 107,914.80 0.00 M1 0.00 15,600,000.00 76,878.2930 0.00 M2 0.00 14,300,000.00 71,627.63 0.00 M3 0.00 7,800,000.00 39,713.0809 0.00 M4 0.00 9,100,000.00 47,833.36 0.00 M5 0.00 6,500,000.00 34,962.90 0.00 M6 0.00 7,800,000.00 41,922.98 0.00 M7 0.00 5,200,000.00 27,948.65 0.00 M8 0.00 5,980,000.00 32,140.95 0.00 M9 0.00 5,720,000.00 30,743.52 0.00 BIO 0.00 0.01 1,~~324~~264,~~145~~437.8072 0.00 P 0.00 0.0100 ~~133~~209,~~340~~198.2769 0.00 Totals 0.00 ~~481~~471,~~923~~969,~~298~~397.2905 913,~~362~~063,~~289~~793.5985 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 3128,~~216~~498,~~873~~890.9543 0.00 23,~~717~~509,~~983~~530.5207 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 ~~106~~102,~~193~~624,~~414~~407.6884 0.00 36,~~569~~444,~~006~~371.8416 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 ~~488~~481,~~210~~923,~~288~~298.6630 0.00 69,~~286~~953,~~990~~901.3623 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 23,~~717~~509,~~983~~530.5207 2824,~~498~~989,~~890~~360.4336 0.~~77024028~~67538812 23,~~717~~509,~~983~~530.5207 AV2 0.00 53,000,000.00 1.00000000 0.00 AV3 0.00 14,000,000.00 1.00000000 0.00 AF1 36,~~569~~444,~~006~~371.8416 ~~102~~96,~~624~~180,~~407~~036.8468 0.~~88014072~~82487167 36,~~569~~444,~~006~~371.8416 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 0.0001 0.0100 10.00000000 0.0001 P 0.0001 0.0100 10.00000000 0.0001 Totals 69,~~286~~953,~~990~~901.3625 ~~481~~471,~~923~~969,~~298~~397.3005 0.~~95543874~~93570459 69,~~286~~953,~~990~~901.3625

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion AV1 37,000,000.00 ~~843~~770.~~69929595~~24028189 0.00000000 7394.~~45901405~~85216405 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 ~~910~~880.~~74969708~~14071904 0.00000000 3055.~~60897804~~26904940 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 7394.~~45901405~~85216405 ~~770~~675.~~24028189~~38811784 0.~~77024028~~67538812 7394.~~45901405~~85216405 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 3055.~~60897804~~26904940 ~~880~~824.~~14071904~~87166964 0.~~88014072~~82487167 3055.~~60897804~~26904940 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 10.00000000 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 2.~~09250~~34000% 3128,~~216~~498,~~873~~890.9543 5857,~~063~~425.3926 0.00 0.00 AV2 53,000,000.00 2.~~23250~~48000% 53,000,000.00 ~~105~~113,~~175~~184.5644 0.00 0.00 AV3 14,000,000.00 2.~~41250~~66000% 14,000,000.00 3032,~~022~~067.2278 0.00 0.00 AF1 116,600,000.00 2.~~13250~~38000% ~~106~~102,~~193~~624,~~414~~407.6884 ~~201~~210,~~295~~323.5202 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,~~617~~636,~~891~~335.1900 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 2.8077 0.00 5857,~~060~~422.5950 0.00 2824,~~498~~989,~~890~~360.4336 AV2 5.0745 0.00 ~~105~~113,~~170~~178.4899 0.00 53,000,000.00 AV3 1.4554 0.00 3032,~~020~~066.7723 0.00 14,000,000.00 AF1 910.7113 0.00 ~~201~~210,~~285~~312.8190 0.00 ~~102~~96,~~624~~180,~~407~~036.8468 AF2 10.8280 0.00 224,354.1820 0.00 69,000,000.00 AF3 8.2524 0.00 171,111.7576 0.00 46,000,000.00 AF4 8.2322 0.00 170,738.4345 0.00 38,000,000.00 AF5 7.0100 0.00 145,~~384~~385.9900 0.00 28,800,000.00 AF6 5.20 0.00 107,914.80 0.00 24,000,000.00 M1 3.7170 0.00 76,878.2930 0.00 15,600,000.00 M2 3.45 0.00 71,627.63 0.00 14,300,000.00 M3 1.9291 0.00 39,713.0809 0.00 7,800,000.00 M4 2.3130 0.00 47,833.36 0.00 9,100,000.00 M5 1.6968 0.00 34,962.90 0.00 6,500,000.00 M6 2.02 0.00 41,922.98 0.00 7,800,000.00 M7 1.35 0.00 27,948.65 0.00 5,200,000.00 M8 1.55 0.00 32,140.95 0.00 5,980,000.00 M9 1.48 0.00 30,743.52 0.00 5,720,000.00 BIO 0.00 0.00 1,~~324~~264,~~145~~437.8072 0.00 0.01 P 0.00 0.00 ~~133~~209,~~340~~198.2768 0.00 0.0100 Totals 78.0279 0.00 3,~~075~~109,~~299~~892.2361 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 2.~~09250~~34000% ~~843~~770.~~69929595~~24028189 1.~~56928081~~55203405 0.00000000 0.00000000 AV2 53,000,000.00 2.~~23250~~48000% 1000.00000000 12.~~98444453~~13555547 0.00000000 0.00000000 AV3 14,000,000.00 2.~~41250~~66000% 1000.00000000 2.~~14444429~~29055571 0.00000000 0.00000000 AF1 116,600,000.00 2.~~13250~~38000% ~~910~~880.~~74969708~~14071904 1.~~72637667~~80379949 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.~~00007568~~00007486 0.00000000 1.~~56920514~~55195946 0.00000000 ~~770~~675.~~24028189~~38811784 AV2 0.~~00009566~~00010283 0.00000000 12.~~98434868~~13545264 0.00000000 1000.00000000 AV3 0.~~00010357~~00011000 0.00000000 2.~~14434071~~29044500 0.00000000 1000.00000000 AF1 0.~~00008328~~00008688 0.00000000 1.~~72629340~~80371269 0.00000000 ~~880~~824.~~14071904~~87166964 AF2 0.~~00015681~~00015652 0.00000000 3.~~25150986~~25151014 0.00000000 1000.00000000 AF3 0.~~00017935~~00017913 0.00000000 3.~~71982065~~71982087 0.00000000 1000.00000000 AF4 0.~~00021658~~00021632 0.00000000 4.~~49311658~~49311711 0.00000000 1000.00000000 AF5 0.~~00024340~~00024306 0.00000000 5.~~04808993~~04809028 0.00000000 1000.00000000 AF6 0.00021667 0.00000000 4.49645000 0.00000000 1000.00000000 M1 0.~~00023782~~00023718 0.00000000 4.~~92809551~~92809615 0.00000000 1000.00000000 M2 0.00024126 0.00000000 5.00892517 0.00000000 1000.00000000 M3 0.~~00024615~~00024487 0.00000000 5.~~09142051~~09142179 0.00000000 1000.00000000 M4 0.~~00025385~~00025275 0.00000000 5.25641319 0.00000000 1000.00000000 M5 0.~~00026000~~00025846 0.00000000 5.37890769 0.00000000 1000.00000000 M6 0.00025897 0.00000000 5.37474103 0.00000000 1000.00000000 M7 0.00025962 0.00000000 5.37474038 0.00000000 1000.00000000 M8 0.00025920 0.00000000 5.37474080 0.00000000 1000.00000000 M9 0.00025874 0.00000000 5.37474126 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 913,~~595~~294,~~224~~432.4826 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(382.0044) Prepayment Penalties 0.00 Total Deposits 913,~~595~~294,~~224~~049.4882 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~232~~230,~~934~~255.8997 Payment of Interest and Principal 913,~~362~~063,~~289~~793.5985 Total Withdrawals (Pool Distribution Amount) 913,~~595~~294,~~224~~049.4882 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 78.9079

SERVICING FEES Gross Servicing Fee ~~209~~207,~~920~~301.9537 FSA Premium 18,~~185~~186.7667 Wells Fargo Bank, NA 4,~~828~~767.1893 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~232~~230,~~934~~255.8997

OTHER ACCOUNTS Beginning Current Current Ending Account Type Balance Withdrawals Deposits Balance Reserve Fund 5,000.00 023.0014 023.0014 5,000.00 Financial Guaranty 0.00 0.00 0.00 0.00

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 24 0 0 24 ~~379~~639,~~033~~868.0046 0.00 0.00 ~~379~~639,~~033~~868.0046 30 Days 7367 10 0 0 7467 10,~~609~~276,~~611~~431.5494 ~~274,856~~0.4700 0.00 0.00 10,~~884~~276,~~468~~431.0194 60 Days 619 1 73 0 1423 ~~659~~1,~~507~~941,771.1970 ~~134~~274,~~602~~661.6844 ~~791~~417,~~555~~556.6307 0.00 12,~~585~~633,~~665~~989.5021 90 Days 02 0 810 0 812 0271,301.0054 0.00 ~~786~~1,~~241~~114,511.5520 0.00 ~~786~~1,~~241~~385,812.5574 120 Days 0 0 07 0 07 0.00 0.00 0683,102.0088 0.00 0683,102.0088 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180+ Days 0 0 0 1 1 0.00 0.00 0.00 83,~~164~~121.9859 83,~~164~~121.9859 Totals 7988 45 1520 1 99114 1112,~~269~~489,~~118~~505.7318 ~~788~~914,~~492~~529.1590 12,~~577~~215,~~797~~170.1815 83,~~164~~121.9859 1315,~~718~~702,~~573~~326.0482 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.~~062189~~126783% 0.000000% 0.000000% 0.~~062189~~126783% 0.~~076184~~131236% 0.000000% 0.000000% 0.~~076184~~131236% 30 Days 2.~~269900~~123613% 0.~~031095~~000000% 0.000000% 0.000000% 2.~~300995~~123613% 2.~~132485~~107686% 0.~~055245~~000000% 0.000000% 0.000000% 2.~~187730~~107686% 60 Days 0.~~186567~~602219% 0.~~031095~~031696% 0.~~217662~~095087% 0.000000% 0.~~435323~~729002% 0.~~132558~~398255% 0.~~027055~~056333% 0.~~159099~~085640% 0.000000% 0.~~318712~~540229% 90 Days 0.~~000000~~063391% 0.000000% 0.~~248756~~316957% 0.000000% 0.~~248756~~380349% 0.~~000000~~055644% 0.000000% 0.~~158031~~228585% 0.000000% 0.~~158031~~284229% 120 Days 0.000000% 0.000000% 0.~~000000~~221870% 0.000000% 0.~~000000~~221870% 0.000000% 0.000000% 0.~~000000~~140104% 0.000000% 0.~~000000~~140104% 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.~~031095~~031696% 0.~~031095~~031696% 0.000000% 0.000000% 0.000000% 0.~~016716~~017048% 0.~~016716~~017048% Totals 2.~~456468~~789223% 0.~~124378~~158479% 0.~~466418~~633914% 0.~~031095~~031696% 3.~~078358~~613312% 2.~~265043~~561585% 0.~~158483~~187569% 0.~~317130~~454329% 0.~~016716~~017048% 23.~~757373~~220532%

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 ~~379~~378,~~033~~794.0010 0.00 0.00 ~~379~~378,~~033~~794.0010 30 Days 2927 10 0 0 3027 4,~~088~~431,~~661~~445.8344 ~~274,856~~0.4700 0.00 0.00 4,~~363~~431,~~518~~445.3044 60 Days 210 01 32 0 513 ~~174~~1,~~470~~155,978.6985 0274,661.0044 ~~305~~314,~~003~~748.0320 0.00 ~~479~~1,~~473~~745,388.7249 90 Days 0 0 14 0 14 0.00 0.00 47407,~~460~~403.8377 0.00 47407,~~460~~403.8377 120 Days 0 0 01 0 01 0.00 0.00 047,436.0098 0.00 047,436.0098 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 1 1 0.00 0.00 0.00 83,~~164~~121.9859 83,~~164~~121.9859 Totals 3137 3 47 1 3948 45,~~263~~587,~~132~~424.5229 653,~~889~~455.4754 ~~352~~769,~~463~~588.8695 83,~~164~~121.9859 57,~~352~~093,~~650~~590.8337 0-29 Days 0.~~320513~~331126% 0.000000% 0.000000% 0.~~320513~~331126% 0.~~396896~~411778% 0.000000% 0.000000% 0.~~396896~~411778% 30 Days 4.~~647436~~470199% 0.~~160256~~000000% 0.000000% 0.000000% 4.~~807692~~470199% 4.~~281350~~817321% 0.~~287810~~000000% 0.000000% 0.000000% 4.~~569160~~817321% 60 Days 01.~~320513~~655629% 0.~~000000~~165563% 0.~~480769~~331126% 0.000000% 02.~~801282~~152318% 01.~~182693~~256638% 0.~~000000~~298578% 0.~~319377~~342155% 0.000000% 01.~~502070~~897371% 90 Days 0.000000% 0.000000% 0.~~160256~~662252% 0.000000% 0.~~160256~~662252% 0.000000% 0.000000% 0.~~049698~~442879% 0.000000% 0.~~049698~~442879% 120 Days 0.000000% 0.000000% 0.~~000000~~165563% 0.000000% 0.~~000000~~165563% 0.000000% 0.000000% 0.~~000000~~051568% 0.000000% 0.~~000000~~051568% 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.~~160256~~165563% 0.~~160256~~165563% 0.000000% 0.000000% 0.000000% 0.~~087084~~090360% 0.~~087084~~090360% Totals 46.~~967949~~125828% 0.~~480769~~496689% 01.~~641026~~158940% 0.~~160256~~165563% 67.~~250000~~947020% 46.~~464043~~073959% 0.~~684706~~710356% 0.~~369075~~836602% 0.~~087084~~090360% 57.~~604908~~711277% 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 02 0 0 02 0261,074.0036 0.00 0.00 0261,074.0036 30 Days 4440 0 0 0 4440 65,~~520~~844,~~949~~986.7150 0.00 0.00 0.00 65,~~520~~844,~~949~~986.7150 60 Days 49 0 1 4 0 910 ~~485~~785,~~036~~792.5085 ~~134,602~~0.6800 ~~486~~102,~~552~~807.6087 0.00 1888,~~106,191~~600.7872 90 Days 02 0 76 0 78 0271,301.0054 0.00 ~~738~~707,~~780~~107.7243 0.00 ~~738~~978,~~780~~408.7297 120 Days 0 0 06 0 06 0.00 0.00 0635,665.0090 0.00 0635,665.0090 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 4851 12 1113 0 6066 76,~~005~~902,~~986~~080.2189 ~~134~~261,~~602~~074.6836 1,~~225~~445,~~333~~581.3220 0.00 8,~~365~~608,~~922~~736.2145 0-29 Days 0.~~000000~~078401% 0.000000% 0.000000% 0.~~000000~~078401% 0.~~000000~~065998% 0.000000% 0.000000% 0.~~000000~~065998% 30 Days 1.~~697531~~568013% 0.000000% 0.000000% 0.000000% 1.~~697531~~568013% 1.~~622030~~477575% 0.000000% 0.000000% 0.000000% 1.~~622030~~477575% 60 Days 0.~~154321~~352803% 0.~~038580~~000000% 0.~~154321~~039200% 0.000000% 0.~~347222~~392003% 0.~~120649~~198643% 0.~~033481~~000000% 0.~~121026~~025989% 0.000000% 0.~~275156~~224633% 90 Days 0.~~000000~~078401% 0.000000% 0.~~270062~~235202% 0.000000% 0.~~270062~~313603% 0.~~000000~~068583% 0.000000% 0.~~183765~~178752% 0.000000% 0.~~183765~~247336% 120 Days 0.000000% 0.000000% 0.~~000000~~235202% 0.000000% 0.~~000000~~235202% 0.000000% 0.000000% 0.~~000000~~160692% 0.000000% 0.~~000000~~160692% 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 1.~~851852~~999216% 0.~~038580~~078401% 0.~~424383~~509604% 0.000000% 2.~~314815~~587221% 1.~~742679~~744802% 0.~~033481~~065998% 0.~~304791~~365434% 0.000000% 2.~~080951~~176234%

COLLATERAL STATEMENT Collateral Description Fixed & Mixed ARM Weighted Average Gross Coupon 7.~~562306~~552743% Weighted Average Net Coupon 7.~~062306~~052743% Weighted Average Pass-Through Rate 7.~~050806~~041243% Weighted Average Maturity(Stepdown Calculation ) ~~323~~322 Beginning Scheduled Collateral Loan Count 3,~~252~~216 Number Of Loans Paid In Full 3661 Ending Scheduled Collateral Loan Count 3,~~216~~155 Beginning Scheduled Collateral Balance ~~503~~497,~~810~~523,~~288~~298.6327 Ending Scheduled Collateral Balance ~~497~~487,~~523~~569,~~298~~397.2704 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~497~~487,~~523~~569,~~298~~397.2704 Monthly P &I Constant 3,~~779~~734,~~280~~512.1566 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0382.0044 Cumulative Realized Loss 0382.0044 Scheduled Principal ~~604~~603,~~307~~124.2458 Unscheduled Principal 59,~~682~~350,~~683~~776.1265

Miscellaneous Reporting Delinquency Event NO Cumulative Loss Event NO Overcollateralization Amount 15,599,~~999~~617.~~100~~56 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.~~939308~~934551 7.~~471012~~462046 7.~~562306~~552743 Weighted Average Net Rate 7.~~439308~~434551 6.~~971012~~962046 7.~~062306~~052743 Weighted Average Maturity ~~354~~353 ~~314~~313 ~~323~~322 Beginning Loan Count ~~637~~624 2,~~615~~592 3,~~252~~216 Loans Paid In Full 1320 2341 3661 Ending Loan Count ~~624~~604 2,~~592~~551 3,~~216~~155 Beginning Scheduled Balance 9895,~~217~~499,~~343~~360.5705 ~~405~~402,~~592~~023,~~945~~938.0622 ~~503~~497,~~810~~523,~~288~~298.6327 Ending scheduled Balance 9591,~~499~~989,~~360~~829.0598 ~~402~~395,~~023~~579,~~938~~567.2206 ~~497~~487,~~523~~569,~~298~~397.2704 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant ~~721~~701,~~340~~620.3412 3,~~057~~032,~~939~~892.8154 3,~~779~~734,~~280~~512.1566 Scheduled Principal 7170,~~525~~166.5436 532,~~781~~958.7022 ~~604~~603,~~307~~124.2458 Unscheduled Principal 23,~~646~~439,~~457~~363.9871 35,~~036~~911,~~225~~412.1494 59,~~682~~350,~~683~~776.1265 Scheduled Interest ~~649~~631,~~814~~453.8076 2,~~525~~499,~~158~~934.1132 3,~~174~~131,~~972~~388.9108 Servicing Fees 4039,~~923~~791.8940 ~~168~~167,~~997~~509.0697 ~~209~~207,~~920~~301.9537 Master Servicing Fees 0.00 0.00 0.00 Trustee Fee ~~941~~915.2520 3,~~886~~852.9373 4,~~828~~767.1893 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 ~~607~~590,~~949~~747.6616 2,~~352~~328,~~274~~571.1262 2,~~960~~919,~~223~~318.78 Realized Loss Amount 0.00 0382.0044 0382.0044 Cumulative Realized Loss 0.00 0382.0044 0382.0044 Percentage of Cumulative Losses 0.0000 0.~~0000~~0001 0.~~0000~~0001 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 7.~~427808~~423051 6.~~959512~~950546 7.~~050806~~041243

Filing Compare · RENAISSANCE HOME EQUITY LOAN TRUST 2004-2