Item 1. Business
Information not provided pursuant to no action request.
Item 2.
Item 2. Properties
Information not provided pursuant to no action request.
Item 3.
Item 3. Legal Proceedings
There are no material pending legal proceedings involving either the Trust Assets or the Trustee, the Depositor, the Custodian, the Master Servicer or any affiliated Servicer with respect to the Trust Assets.
Residential Funding Corporation ("RFC") is (a) the Master Servicer, (b) the corporate parent of Homecoming Financial Network, Inc. ("HFN") (a significant Servicer) and (c) an affiliate of the Depositor. RFC and HFN are parties to various legal proceedings arising from time to time in the ordinary course of their businesses, some of which purport to be class actions. Based on information currently available, it is the opinion of RFC and HFN that the eventual outcome of any currently pending legal proceedings will not have a material adverse effect on their ability to perform their obligations in relation to the Trust Assets. However, no assurance can be given that the final outcome of these legal proceedings, if unfavorable, either individually or in the aggregate, would not have a material adverse impact on RFC or HFN.
Item 4.
Item 4. Submission of Matters to a Vote of Security Holders
There were no matters submitted to a vote of the Security Holders.
PART II
Item 5.
Item 5. Market for the Registrant's Common Equity and Related Matters.
(a) There is no established public trading market for any class of securities (the "Securities") issued by the Issuing Entity. At December 31, 2004, the number of holders of record of the Securities is 11.
(b) Not applicable.
(c) Not applicable.
Item 6.
Item 6. Selected Financial Data
Information not provided pursuant to no action request.
Item 7.
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations.
Information not provided pursuant to no action request.
Item 7A.
Item 7A. Quantitative and Qualitative Disclosures About Market Risk.
Not Applicable.
Item 8.
Item 8. Financial Statements and Supplementary Financial Data
Information not provided pursuant to no action request.
Item 9.
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Not applicable.
Item 9A.
Item 9A. Controls and Procedures.
Not applicable.
PART III
Item 10.
Item 10. Directors and Executive Officers of the Registrant
Information not provided pursuant to no action request.
Item 11.
Item 11. Executive Compensation
Information not provided pursuant to no action request.
Item 12.
Item 12. Security Ownership of Certain Beneficial Owners and Management
Information required by Item 201(d) of Regulation S-K is not applicable. Remaining information not provided pursuant to no action request.
Item 13.
Item 13. Certain Relationships and Related Transactions
Information not provided pursuant to no action request.
Item 14.
Item 14. Principal Accountant Fees and Services.
Not applicable.
PART IV
Item 15.
Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K
(a) Exhibit Exhibit #
Certification 31.1
Officer's Annual Compliance Statement of the Master Servicer 99.1
Independent Auditor's Report on the Uniform Single Audit 99.2 Program for Mortgage Bankers
(b) Information not provided pursuant to No Action Request.
(c) Information not provided pursuant to No Action Request.
(d) Information not provided pursuant to No Action Request.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized, on this 23rd day of March, 2005.
RAMP SERIES 2004-RS11 TRUST RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC.
By: RESIDENTIAL FUNDING CORPORATION, as Master Servicer
By: /s/ Barbara Wendt Name: Barbara Wendt Title: Managing Director, Master Servicing
EXHIBIT 31.1
CERTIFICATION
I, Barbara Wendt, certify that:
1. I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of RAMP Series 2004-RS11 Trust;
2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;
3. Based on my knowledge, the distribution or servicing information required to be provided to the trustee by the servicer under the pooling and servicing, or similar, agreement, for inclusion in these reports is included in these reports;
4. I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement and based upon my knowledge and the annual compliance review required under that agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and
5. The reports disclose all significant deficiencies relating to the servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set forth in the pooling and servicing, or similar, agreement, that is included in these reports.
In giving the certifications above, I have reasonably relied on information provided to me by the unaffiliated parties: Colonial Savings, F.A., Fremont Investment & Loan, National City Mortgage Company, Wachovia Mortgage Corp., and JP Morgan Chase Trust Company.
Date: March 23, 2005
/s/ Barbara Wendt Barbara Wendt Managing Director, Master Servicing
EXHIBIT 99.1
[LETTERHEAD OF GMAC RFC]
2004 ANNUAL STATEMENT OF COMPLIANCE CERTIFICATE
Pursuant to the governing documents including but not limited to various Pooling and Servicing Agreements and Sales and Servicing Agreement ("the Agreements"), where Residential Funding Corporation ("the Master Servicer") has been appointed Master Servicer, an annual statement of compliance is required to be delivered to either the Trustee or the Investor. The undersigned Director of Residential Funding Corporation, hereby certifies that:
(i) a review of the activities of the Master Servicer during the preceding calendar year has been conducted, and the performance of duties outlined in the Agreements has been made under the undersigned officers' supervision;
(ii) to the best of the undersigned officers' knowledge, based on the aforementioned review, the Master Servicer has complied with the minimum servicing standards set forth in the USAP for Mortgage Bankers, and has fulfilled all of its material obligations relating to the Agreements in all material respects throughout such year; and
(iii) to the best of the undersigned officers' knowledge, each Subservicer has complied with the minimum servicing standards set forth in the USAP for Mortgage Bankers, and has fulfilled all of its material obligations relating to the Agreements in all material respects throughout such year.
Dated: March 15, 2005
/s/ Barbara Wendt - ------------------------------------ Barbara Wendt Managing Director, Master Servicing
/s/ Darsi Meyer - ----------------------------------- Darsi Meyer Director, Securities Administration
EXHIBIT 99.2
[LETTERHEAD PRICEWATERHOUSECOOPERS]
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Directors and Stockholder of Residential Funding Corporation:
We have examined management's assertion about Residential Funding Corporation's (the "Company") compliance with the minimum servicing standards identified in their role as Master Servicer as of and for the year ended December 31, 2004, included in the accompanying management assertion (see Exhibit 1). Such assertion was examined relating to those mortgage loans included in the listing of mortgage loans and series of certificates included in the attached Exhibit 2. Our testing procedures were applied only to the series of certificates serviced on or before September 30, 2004. Direct servicing functions are performed by various primary servicers and subservicers. Management is responsible for the Company's compliance with those minimum servicing standards. Our responsibility is to express an opinion on management's assertion about the Company's compliance based on our examination.
Our examination was made in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Company's compliance with the minimum servicing standards and performing such other procedures as we considered necessary in the circumstances. Loans and series of certificates subject to such procedures were selected using sampling methods, and accordingly, we make no representation that our examination procedures were performed on a specific series of loans or certificates as listed in the attached Exhibit 2. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Company's compliance with the minimum servicing standards.
In our opinion, management's assertion that the Company complied with the aforementioned minimum servicing standards as of and for the year ended December 31, 2004 is fairly stated, in all material respects.
/s/ PricewaterhouseCooper LLP
February 18, 2005
EXHIBIT 1
[LETTER GMAC RFC]
MANAGEMENT'S ASSERTION CONCERNING COMPLIANCE WITH USAP MINIMUM SERVICING STANDARDS
February 18, 2005
As of and for the year ended December 31, 2004, Residential Funding Corporation (the "Company") has complied in all material respects with our minimum servicing standards set forth below for those loans serviced for others under master servicing arrangements. Direct servicing functions are performed by various primary servicers and subservicers.
Our minimum standards are:
I. CUSTODIAL BANK ACCOUNTS
A. Reconciliations shall be prepared on a monthly basis for all custodial bank accounts and related bank clearing accounts. These reconciliations shall:
1) Be mathematically accurate.
2) Be prepared within thirty (30) calendar days after the cutoff date.
3) Be reviewed and approved by someone other than the person who prepared the reconciliation, and document explanation for reconciling items.
4) These reconciling items shall be resolved within ninety (90) calendar days of their original identification.
B. Each custodial and escrow account as maintained by the master servicer and subservicer shall be maintained in an eligible account in trust for the applicable certificateholders as prescribed by applicable pooling and servicing agreements.
C. Funds shall be advanced by the master servicer, the primary servicer or the subservicer, as required by applicable pooling and servicing agreements in accordance with the amortization schedule of each mortgage loan, or for overdrafts in the mortgagers escrow accounts.
II. SUBSERVICER REMITTANCES
A. Remittances for mortgage payments and payoffs received from primary servicers or subservicers shall be deposited into the applicable investor custodial bank account within one business day of receipt.
B. Remittances from primary servicers or subservicers shall be reconciled to applicable mortgager records during the appropriate accounting cycle.
C. Reconciliations shall be performed monthly for each primary servicer and subservicer remittance. These reconciliations shall:
1) Be mathematically accurate.
2) Be prepared within thirty (30) calendar days after the cutoff date.
III. DISBURSEMENTS
A. Disbursements to investors shall be made in accordance with the applicable pooling and servicing agreements and/or the prospectus indicating how cash flows are to be allocated.
B. Amounts remitted to investors per our investor reports shall agree with the custodial bank statements.
C. Only permitted withdrawals per the applicable pooling and servicing agreements shall be made from the custodial accounts for certificateholders.
D. Disbursements of investor funds from custodial accounts via wire transfer shall be made only by authorized personnel.
IV. INVESTOR ACCOUNTING AND REPORTING
A. Statements to the certificateholders shall be made with each monthly distribution in accordance with applicable pooling and servicing agreements detailing the applicable distribution activity and effect on the unpaid principal balance of the mortgage loans.
V. MORTGAGOR ACCOUNTING
A. Uniform Single Attestation Program reports from external primary servicers or subservicers will be obtained and reviewed to provide a basis in meeting our minimum servicing standards.
B. Mortgage loan records shall agree with, or reconcile to, the mortgage loan records maintained by the primary servicers or subservicers with respect to unpaid principal balance on a monthly basis.
VI. DELINQUENCIES
A. Reports from primary servicers and subservicers identifying delinquent loans shall be received and reviewed monthly. Reports shall be made with each distribution to certificateholders as to the number and aggregate principal balances of delinquent mortgage loans, based on the most recent reports furnished by the primary servicers and subservicers.
VII. INSURANCE POLICIES
A. As of and for this same period, the Company had in effect a fidelity bond in the amount of $300,000,000 and a mortgage impairment/mortgages errors and omissions and professional liability insurance policy in the amount of $100,000,000.
/s/ Bruce Paradis - ------------------------------------------------------- Bruce Paradis Residential Funding Corporation President & Managing Director
/s/ Davee Olson - ------------------------------------------------------- Davee Olson
Residential Funding Corporation Chief Financial Officer & Managing Director (through January 6, 2005)
/s/ Ken Duncan - ------------------------------------------------------- Ken Duncan Residential Funding Corporation Acting Chief Financial Officer & Managing Director (from January 7, 2005)
/s/ Eric Scholtz - ------------------------------------------------------- Eric Scholtz
Residential Funding Corporation Managing Director
RESIDENTIAL FUNDING CORPORATION DECEMBER 31, 2004 EXHIBIT 2 - -------------------------------------------------------------------------------- 1985 SERIES
1985 MS-ASL (1014) 1985 MS-ASL (1038) 1985 MS-ASL (1052) 1985 MS-ASL (1059)
1986 SERIES
NYCF 1986-A
1987 SERIES
1987-WH2 NYCF 1987-A
1988 SERIES
1988-SBRC WH1 NYCF 1988-A
1989 SERIES
1989-SW1
1990 SERIES
NYCF 1990-A
1993 SERIES
1993-WH15B 1993-WH15C 1993-WH2
1994 SERIES
1994-WH1 1994-WH14 1994-WH16D 1994-WH21 1994-WH4B
1995 SERIES
1995-HWH1 1995-HWH2 1995-HWH3 1995-HWH4 1995-HWH5 1995-WH12 1995-WH13 1995-WH14 1995-WH15 1995-WH18 1995-WH5
1996 SERIES
1996-QS3 1996-QS4 1996-QS5 1996-QS7 1996-QS8 1996-SW1A 1996-SW1B 1996-SW1C 1996-SW1D 1996-WH10 1996-WH11 1996-WH18 1996-WH19 1996-WH4D 1996-WH5 1996-WH7
1997 SERIES
1997-2 1997-GMACM4 1997-KS2 1997-NPC1 1997-NWH1 1997-NWH3 1997-NWH4 1997-NWH6 1997-NWH9 1997-QS1 1997-QS10 1997-QS12 1997-QS13 1997-QS2 1997-QS3 1997-QS4 1997-QS5 1997-QS6 1997-QS7 1997-QS8 1997-QS9 1997-WH10 1997-WH11 1997-WH14 1997-WH15 1997-WH5 1997-WH9
1998 SERIES
1998-B (1999-A) 1998-HI2 1998-HI4 1998-HWH1 1998-HWH2 1998-HWH3 1998-HWH4 1998-HWH5 1998-HWH6 1998-HWH7 1998-KS1 1998-KS2 1998-KS3 1998-KS4 1998-NWH2 1998-NWH4 1998-NWH8 1998-QS1 1998-QS13 1998-QS16 1998-QS2 1998-QS3 1998-QS4 1998-QS5 1998-QS6 1998-QS8 1998-QWH1 1998-QWH2 1998-QWH2 1998-RS1 1998-WH10 1998-WH13 1998-WH14 1998-WH1E 1998-WH4 1998-WH6 1998-WH8 1998-WH9 I 1998-WH9 II SANTA 1998-A
1999 SERIES
1999-HI1 1999-HI4 1999-HI6 1999-HI8 1999-HWH1 1999-HWH2 1999-HWH3 1999-HWH4 1999-HWH5 1999-HWH6 1999-KS1 1999-KS2 1999-KS3 1999-KS4 1999-NWH1 1999-NWH2 1999-NWH3 1999-NWH4 1999-NWH5 1999-QS10 1999-QS12 1999-QS2 1999-QS3 1999-QS4 1999-QS8 1999-QWH1 1999-QWH2 1999-QWH3 1999-RS1 1999-RS2 1999-RS4 1999-RS5 1999-WH10 1999-WH11 1999-WH12 1999-WH14 1999-WH18 1999-WH2 1999-WH4 1999-WH5 1999-WH7 1999-WH8
2000 SERIES
2000-HI1 2000-HI2 2000-HI3 2000-HI4 2000-HI5 2000-HL1 2000-HWH1 2000-HWH10 2000-HWH11 2000-HWH2 2000-HWH3 2000-HWH4 2000-HWH5 2000-HWH6 2000-HWH7 2000-HWH8 2000-HWH9 2000-KS1 2000-KS2 2000-KS3 2000-KS4 2000-KS5 2000-NWH1 2000-NWH2 2000-NWH3 2000-NWH5 2000-NWH6 2000-NWH7 2000-PTWH2 2000-PTWH3 2000-QS1 2000-QS4 2000-QWH1 2000-QWH2 2000-RS1 2000-RS2 2000-RS3 2000-RS4 2000-RZ1 2000-WH1 2000-WH10 2000-WH11 2000-WH2 2000-WH4 2000-WH5 2000-WH9 2001-CWH1
2001 SERIES
2001-HI1 2001-HI2 2001-HI3 2001-HI4 2001-HS2 2001-HS3 2001-HWH1 2001-HWH2 2001-KS1 2001-KS2 2001-KS3 2001-KS4 2001-MWH1 2001-NWH1 2001-NWH10 2001-NWH11 2001-NWH12 2001-NWH2 2001-NWH3 2001-NWH4 2001-NWH5 2001-NWH9 2001-PTWH10 2001-PTWH11 2001-PTWH12 2001-PTWH14 2001-PTWH16 2001-PTWH17 2001-PTWH18 2001-PTWH19 2001-PTWH4 2001-PTWH6 2001-PTWH7 2001-PTWH8 2001-QS10 2001-QS11 2001-QS12 2001-QS13 2001-QS14 2001-QS15 2001-QS16 2001-QS17 2001-QS18 2001-QS19 2001-QS4 2001-QS5 2001-QS6 2001-QS7 2001-QS8 2001-QS9 2001-RM1 2001-RM2 2001-RS1 2001-RS2 2001-RS3 2001-RZ1 2001-RZ2 2001-RZ3 2001-RZ4 2001-WH1 2001-WH10 2001-WH12 2001-WH13 2001-WH14 2001-WH2 2001-WH3 2001-WH4 2001-WH7 2001-WH9
2002 SERIES
2002-HI1 2002-HI2 2002-HI3 2002-HI4 2002-HI5 2002-HS1 2002-HS2 2002-HS3 2002-HWH1 2002-HWH2 2002-HWH3 2002-HWH4 2002-KS1 2002-KS2 2002-KS3 2002-KS4 2002-KS5 2002-KS6 2002-KS7 2002-KS8 2002-NWH1 2002-NWH2 2002-NWH3 2002-NWH4 2002-PTWH1 2002-PTWH10 2002-PTWH13 2002-PTWH15 2002-PTWH16 2002-PTWH19 2002-PTWH20 2002-PTWH21 2002-PTWH24 2002-PTWH25 2002-PTWH28 2002-PTWH31 2002-PTWH33 2002-PTWH35 2002-PTWH36 2002-PTWH4 2002-PTWH40 2002-PTWH41 2002-PTWH42 2002-PTWH44 2002-PTWH45 2002-PTWH46 2002-PTWH47 2002-PTWH5 2002-PTWH7 2002-PTWH9 2002-QS1 2002-QS10 2002-QS11 2002-QS12 2002-QS13 2002-QS14 2002-QS15 2002-QS16 2002-QS17 2002-QS18 2002-QS19 2002-QS2 2002-QS3 2002-QS4 2002-QS5 2002-QS6 2002-QS7 2002-QS8 2002-QS9 2002-RM1 2002-RP1 2002-RP2 2002-RS1 2002-RS2 2002-RS3 2002-RS4 2002-RS5 2002-RS6 2002-RS7 2002-RZ1 2002-RZ2 2002-RZ3 2002-RZ4 2002-S1 2002-S11 2002-S12 2002-S13 2002-S14 2002-S15 2002-S16 2002-S17 2002-S18 2002-S19 2002-S2 2002-S20 2002-S3 2002-S4 2002-S5 2002-S6 2002-S8 2002-S9 2002-SA2 2002-SL1 2002-WH1 2002-WH10 2002-WH11 2002-WH12 2002-WH13 2002-WH14 2002-WH15 2002-WH16 2002-WH17 2002-WH18 2002-WH19 2002-WH2 2002-WH20 2002-WH21 2002-WH22 2002-WH24 2002-WH25 2002-WH26 2002-WH27 2002-WH28 2002-WH29 2002-WH3 2002-WH30 2002-WH31 2002-WH32 2002-WH33 2002-WH34 2002-WH4 2002-WH5 2002-WH6 2002-WH9
2003 SERIES
2003-HI1 2003-HI2 2003-HI3 2003-HI4 2003-HS1 2003-HS2 2003-HS3 2003-HS4 2003-HWH1 2003-KS1 2003-KS10 2003-KS11 2003-KS2 2003-KS3 2003-KS4 2003-KS5 2003-KS6 2003-KS7 2003-KS8 2003-KS9 2003-NWH1 2003-NWH2 2003-PTWH1 2003-PTWH11 2003-PTWH12 2003-PTWH13 2003-PTWH14 2003-PTWH15 2003-PTWH17 2003-PTWH18 2003-PTWH19 2003-PTWH20 2003-PTWH21 2003-PTWH24 2003-PTWH25 2003-PTWH26 2003-PTWH27 2003-PTWH28 2003-PTWH29 2003-PTWH4 2003-PTWH8 2003-PTWH9 2003-QA1 2003-QR13 2003-QR19 2003-QR24 2003-QS1 2003-QS10 2003-QS11 2003-QS12 2003-QS13 2003-QS14 2003-QS15 2003-QS16 2003-QS17 2003-QS18 2003-QS19 2003-QS2 2003-QS20 2003-QS21 2003-QS22 2003-QS23 2003-QS3 2003-QS4 2003-QS5 2003-QS6 2003-QS7 2003-QS8 2003-QS9 2003-RM1 2003-RM2 2003-RP1 2003-RP2 2003-RS1 2003-RS10 2003-RS11 2003-RS2 2003-RS3 2003-RS4 2003-RS5 2003-RS6 2003-RS7 2003-RS8 2003-RS9 2003-RZ1 2003-RZ2 2003-RZ3 2003-RZ4 2003-RZ5 2003-S1 2003-S10 2003-S11 2003-S12 2003-S13 2003-S14 2003-S15 2003-S16 2003-S17 2003-S18 2003-S19 2003-S2 2003-S20 2003-S3 2003-S4 2003-S5 2003-S6 2003-S7 2003-S8 2003-S9 2003-SL1 2003-WH1 2003-WH10 2003-WH11 2003-WH12 2003-WH13 2003-WH14 2003-WH15 2003-WH16 2003-WH17 2003-WH18 2003-WH19 2003-WH2 2003-WH20 2003-WH21 2003-WH22 2003-WH23 2003-WH24 2003-WH25 2003-WH26 2003-WH27 2003-WH28 2003-WH29 2003-WH3 2003-WH30 2003-WH31 2003-WH32 2003-WH33 2003-WH34 2003-WH35 2003-WH36 2003-WH37 2003-WH38 2003-WH39 2003-WH4 2003-WH5 2003-WH6 2003-WH7 2003-WH8 2003-WH9 NIM 2003-NT1 NIM 2003-NT3 NIM 2003-NT5 NIM 2003-NT6 NIM 2003-NT7 NIM 2003-NT8
2004 SERIES
2004-C1 2004-C2 2004-HI1 2004-HI2 2004-HI3 2004-HS1 2004-HS2 2004-HS3 2004-HWH10 2004-HWH11 2004-HWH3 2004-HWH4 2004-HWH5 2004-KR1 2004-KR2 2004-KS1 2004-KS10 2004-KS11 2004-KS12 2004-KS2 2004-KS3 2004-KS4 2004-KS5 2004-KS6 2004-KS7 2004-KS8 2004-KS9 2004-NWH1 2004-NWH2 2004-NWH7 2004-PS1 2004-PTWH10 2004-PTWH12 2004-PTWH13 2004-PTWH2 2004-PTWH3 2004-PTWH5 2004-PTWH6 2004-PTWH7 2004-PTWH8 2004-PTWH9 2004-QA1 2004-QA2 2004-QA3 2004-QA4 2004-QA5 2004-QA6 2004-QR1 2004-QS1 2004-QS10 2004-QS11 2004-QS12 2004-QS13 2004-QS14 2004-QS15 2004-QS16 2004-QS2 2004-QS3 2004-QS4 2004-QS5 2004-QS6 2004-QS7 2004-QS8 2004-QS9 2004-QWH1 2004-QWH2 2004-QWH3 2004-QWH4 2004-QWH5 2004-QWH6 2004-RP1 2004-RS1 2004-RS10 2004-RS11 2004-RS12 2004-RS2 2004-RS3 2004-RS4 2004-RS5 2004-RS6 2004-RS7 2004-RS8 2004-RS9 2004-RZ1 2004-RZ2 2004-RZ3 2004-RZ4 2004-S1 2004-S2 2004-S3 2004-S4 2004-S5 2004-S6 2004-S7 2004-S8 2004-S9 2004-SA1 2004-SL1 2004-SL2 2004-SL3 2004-SL4 2004-SP1 2004-SP2 2004-SP3 2004-SR1 2004-WH1 2004-WH10 2004-WH11 2004-WH12 2004-WH13 2004-WH14 2004-WH16 2004-WH17 2004-WH18 2004-WH19 2004-WH2 2004-WH20 2004-WH21 2004-WH22 2004-WH24 2004-WH4 2004-WH4 2004-WH5 2004-WH6 2004-WH7 2004-WH8 2004-WH9 BSSP 2004-KS10A BSSP 2004-KS10B NIM 2004-NT1 NIM 2004-NT11 NIM 2004-NT12 NIM 2004-NT2 NIM 2004-NT3 NIM 2004-NT4 NIM 2004-NT5 NIM 2004-NT6 NIM 2004-NT7 NIM 2004-NT8