8-K 1 jpm040a4_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 J.P. MORGAN MORTGAGE TRUST Mortgage Pass-Through Certificates, Series 2004-A4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-109775-06 Pooling and Servicing Agreement) (Commission 54-2157839 (State or other File Number) 54-2157840 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 J.P. MORGAN MORTGAGE TRUST, Mortgage Pass-Through Certificates, Series 2004-A4 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-A4 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. J.P. MORGAN MORTGAGE TRUST Mortgage Pass-Through Certificates, Series 2004-A4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 1/3/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-A4 Trust, relating to the December 27, 2004 distribution. EX-99.1

J.P. Morgan Acceptance Corporation I Mortgage Pass-Through Certificates Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~JPMMT~~J.P. Morgan Acceptance Corporation I Mortgage Pass-Through Certificates Series: 2004-A4 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 1-A1 466247DX8 SEN 4.~~70737~~69918% 4039,~~085~~575,~~829~~336.3267 ~~157~~154,~~249~~976.0334 ~~510~~388,~~492~~062.6507 1-A2 466247DY6 SEN 4.~~70737~~69918% 1,~~424~~405,~~082~~946.1649 5,~~586~~505.4066 1813,~~135~~786.6723 1-A3 466247EF6 SEN 4.~~70737~~69918% 34,~~644~~203,~~384~~188.3545 ~~135~~133,~~903~~939.2810 ~~441~~335,~~195~~384.9064 1-A4 466247EG4 SEN 4.~~70737~~69918% 2,~~303~~274,~~851~~512.5603 98,~~037~~906.5795 2922,~~339~~303.5308 2-A1 466247DZ3 SEN 4.~~75878~~73751% 7977,~~695~~606,~~520~~936.8662 ~~316~~306,~~044~~386.6315 2,~~088~~157,~~584~~980.2438 2-A2 466247EH2 SEN 4.~~75878~~73751% 7371,~~805~~871,~~634~~406.4271 ~~292~~283,~~687~~742.3972 1,~~934~~998,~~227~~495.7114 2-A3 466247EJ8 SEN 4.~~75878~~73751% 5,~~320~~181,~~598~~161.9880 2120,~~099~~454.6482 ~~139~~144,~~437~~070.1918 3-A1 466247EA7 SEN 4.~~38888~~38733% ~~130~~127,~~895~~981,~~721~~195.5481 ~~478~~467,~~737~~912.9579 21,~~914~~970,~~525~~941.7245 AR 466247EB5 SEN 4.~~69918~~69483% 0.00 0.00 0.00 B1 466247EC3 SUB 4.~~61659~~60514% 6,~~163~~158,~~899~~329.5802 23,~~713~~633.4832 5,~~570~~622.5601 B2 466247EDI SUB 4.~~61659~~60514% 2,~~503~~501,~~996~~733.9498 9,~~633~~600.2670 2,~~262~~283.9686 B3 466247EE9 SUB 4.~~61659~~60514% 1,~~540~~539,~~875~~482.1661 5,~~927~~907.9995 1,~~392~~405.5541 B4 466247DU4 SUB 4.~~61659~~60514% 1,~~155~~154,~~706~~661.2478 4,~~446~~431.1815 1,~~044~~054.4610 B5 466247DV2 SUB 4.~~61659~~60514% 577,~~853~~330.1289 2,~~223~~215.0958 ~~522~~527.2305 B6 466247DWO SUB 4.~~61659~~60514% ~~963~~962,~~341~~470.2261 3,~~706~~693.1260 ~~870~~878.61 Totals ~~381~~372,~~081~~993,~~295~~693.4547 1,~~465~~431,~~996~~306.0183 87,~~087~~042,~~601~~794.9821

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A1 0.00 39,~~575~~187,~~336~~274.6760 ~~667~~543,~~741~~038.6841 0.00 1-A2 0.00 1,~~405~~392,~~946~~160.4927 2319,~~722~~291.0789 0.00 1-A3 0.00 3433,~~203~~867,~~188~~803.4581 ~~577~~469,~~099~~323.1874 0.00 1-A4 0.00 2,~~274~~252,~~512~~208.0395 3831,~~377~~210.1003 0.00 2-A1 0.00 7775,~~606~~448,~~936~~956.6225 2,~~404~~464,~~628~~366.8753 0.00 2-A2 0.00 7169,~~871~~872,~~406~~911.7158 2,~~226~~282,~~915~~237.1086 0.00 2-A3 0.00 5,~~181~~037,~~161~~091.8061 ~~160~~164,~~536~~525.8300 0.00 3-A1 0.00 ~~127~~126,~~981~~010,~~195~~254.8137 32,~~393~~438,~~263~~854.6724 0.00 AR 0.00 0.00 0.00 0.00 B1 0.00 6,~~158~~152,~~329~~707.02 29,~~284~~255.0433 0.00 B2 0.00 2,~~501~~499,~~733~~450.9812 11,~~896~~884.2256 0.00 B3 0.00 1,~~539~~538,~~482~~077.6120 7,~~320~~313.5436 0.00 B4 0.00 1,~~154~~153,~~661~~607.7868 5,~~490~~485.6425 0.00 B5 0.00 ~~577~~576,~~330~~803.8984 2,~~745~~742.3263 0.00 B6 0.00 ~~962~~961,~~470~~592.6100 4,~~576~~572.7321 0.00 Totals 0.00 ~~372~~365,~~993~~950,~~693~~899.4730 98,~~553~~474,~~597~~101.9904 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) 1-A1 40,497,300.00 4039,~~085~~575,~~829~~336.3267 49,~~832~~683.5130 ~~460~~338,~~660~~378.1477 0.00 0.00 1-A2 1,438,700.00 1,~~424~~405,~~082~~946.1649 1,~~770~~765.3404 1612,~~365~~021.3319 0.00 0.00 1-A3 35,000,000.00 34,~~644~~203,~~384~~188.3545 4342,~~068~~939.0005 ~~398~~292,~~127~~445.9059 0.00 0.00 1-A4 2,327,500.00 2,~~303~~274,~~851~~512.5603 2,~~864~~855.0245 2619,~~475~~447.5163 0.00 0.00 2-A1 80,985,200.00 7977,~~695~~606,~~520~~936.8662 3130,~~105~~919.8193 2,~~057~~127,~~478~~060.4344 0.00 0.00 2-A2 75,000,000.00 7371,~~805~~871,~~634~~406.4271 28,~~806~~634.9480 1,~~905~~969,~~420~~860.7734 0.00 0.00 2-A3 5,406,700.00 5,~~320~~181,~~598~~161.9880 2,~~076~~064.6726 ~~137~~142,~~360~~005.5192 0.00 0.00 3-A1 132,674,600.00 ~~130~~127,~~895~~981,~~721~~195.5481 ~~173~~171,~~727~~035.1925 21,~~740~~799,~~798~~906.5320 0.00 0.00 AR 100.00 0.00 0.00 0.00 0.00 0.00 B1 6,180,400.00 6,~~163~~158,~~899~~329.5802 5,~~570~~622.5601 0.00 0.00 0.00 B2 2,510,700.00 2,~~503~~501,~~996~~733.9498 2,~~262~~283.9686 0.00 0.00 0.00 B3 1,545,000.00 1,~~540~~539,~~875~~482.1661 1,~~392~~405.5541 0.00 0.00 0.00 B4 1,158,800.00 1,~~155~~154,~~706~~661.2478 1,~~044~~054.4610 0.00 0.00 0.00 B5 579,400.00 577,~~853~~330.1289 ~~522~~527.2305 0.00 0.00 0.00 B6 965,920.00 ~~963~~962,~~341~~470.2261 ~~870~~878.61 0.00 0.00 0.00 Totals 386,270,320.00 ~~381~~372,~~081~~993,~~295~~693.4547 ~~344~~341,~~914~~668.8512 76,~~742~~701,~~687~~126.1208 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 1-A1 ~~510~~388,~~492~~062.6507 39,~~575~~187,~~336~~274.6760 0.~~97723396~~96765154 ~~510~~388,~~492~~062.6507 1-A2 1813,~~135~~786.6723 1,~~405~~392,~~946~~160.4927 0.~~97723395~~96765154 1813,~~135~~786.6723 1-A3 ~~441~~335,~~195~~384.9064 3433,~~203~~867,~~188~~803.4581 0.~~97723396~~96765154 ~~441~~335,~~195~~384.9064 1-A4 2922,~~339~~303.5308 2,~~274~~252,~~512~~208.0395 0.~~97723395~~96765154 2922,~~339~~303.5308 2-A1 2,~~088~~157,~~584~~980.2438 7775,~~606~~448,~~936~~956.6225 0.~~95828542~~93163882 2,~~088~~157,~~584~~980.2438 2-A2 1,~~934~~998,~~227~~495.7114 7169,~~871~~872,~~406~~911.7158 0.~~95828542~~93163882 1,~~934~~998,~~227~~495.7114 2-A3 ~~139~~144,~~437~~070.1918 5,~~181~~037,~~161~~091.8061 0.~~95828542~~93163882 ~~139~~144,~~437~~070.1918 3-A1 21,~~914~~970,~~525~~941.7245 ~~127~~126,~~981~~010,~~195~~254.8137 0.~~96462470~~94976924 21,~~914~~970,~~525~~941.7245 AR 0.00 0.00 0.00000000 0.00 B1 5,~~570~~622.5601 6,~~158~~152,~~329~~707.02 0.~~99642888~~99551923 5,~~570~~622.5601 B2 2,~~262~~283.9686 2,~~501~~499,~~733~~450.9812 0.~~99642888~~99551923 2,~~262~~283.9686 B3 1,~~392~~405.5541 1,~~539~~538,~~482~~077.6120 0.~~99642887~~99551922 1,~~392~~405.5541 B4 1,~~044~~054.4610 1,~~154~~153,~~661~~607.7868 0.~~99642887~~99551923 1,~~044~~054.4610 B5 ~~522~~527.2305 ~~577~~576,~~330~~803.8984 0.~~99642887~~99551923 ~~522~~527.2305 B6 ~~870~~878.61 ~~962~~961,~~470~~592.6100 0.~~99642891~~99551930 ~~870~~878.61 Totals 87,~~087~~042,~~601~~794.9821 ~~372~~365,~~993~~950,~~693~~899.4730 0.~~96562867~~94739585 87,~~087~~042,~~601~~794.9821

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A1 40,497,300.00 ~~989~~977.~~83955276~~23395560 1.~~23051438~~22682994 118.~~37508278~~35558840 0.00000000 1-A2 1,438,700.00 ~~989~~977.~~83954959~~23395426 1.~~23051366~~22682978 118.~~37508167~~35559185 0.00000000 1-A3 35,000,000.00 ~~989~~977.~~83955286~~23395571 1.~~23051429~~22683000 118.~~37508286~~35558829 0.00000000 1-A4 2,327,500.00 ~~989~~977.~~83955317~~23395489 1.~~23051343~~22683136 118.~~37508485~~35558754 0.00000000 2-A1 80,985,200.00 ~~984~~958.~~07512558~~28542277 0.~~38409253~~38179729 2526.~~40561028~~26480443 0.00000000 2-A2 75,000,000.00 ~~984~~958.~~07512560~~28542280 0.~~38409253~~38179733 2526.~~40561027~~26480453 0.00000000 2-A3 5,406,700.00 ~~984~~958.~~07512531~~28542364 0.~~38409196~~38179666 2526.~~40560971~~26480478 0.00000000 3-A1 132,674,600.00 ~~986~~964.~~59217017~~62469689 1.~~30942313~~28913334 2013.~~65805007~~56632091 0.00000000 AR 100.00 0.00000000 0.00000000 0.00000000 0.00000000 B1 6,180,400.00 ~~997~~996.~~33020193~~42887515 0.~~90132677~~90965148 0.00000000 0.00000000 B2 2,510,700.00 ~~997~~996.~~33020273~~42887641 0.~~90132632~~90965070 0.00000000 0.00000000 B3 1,545,000.00 ~~997~~996.~~33020065~~42887379 0.~~90132686~~90965049 0.00000000 0.00000000 B4 1,158,800.00 ~~997~~996.~~33020366~~42887470 0.~~90132896~~90964791 0.00000000 0.00000000 B5 579,400.00 ~~997~~996.~~33020366~~42887470 0.~~90132896~~90964791 0.00000000 0.00000000 B6 965,920.00 ~~997~~996.~~33023439~~42890716 0.~~90132723~~90960949 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 1-A1 0.00000000 129.~~60559716~~58241833 ~~977~~967.~~23395560~~65153726 0.~~97723396~~96765154 129.~~60559716~~58241833 1-A2 0.00000000 129.~~60559533~~58242163 ~~977~~967.~~23395426~~65153958 0.~~97723395~~96765154 129.~~60559533~~58242163 1-A3 0.00000000 129.~~60559714~~58241829 ~~977~~967.~~23395571~~65153743 0.~~97723396~~96765154 129.~~60559714~~58241829 1-A4 0.00000000 129.~~60559828~~58241890 ~~977~~967.~~23395489~~65153598 0.~~97723395~~96765154 129.~~60559828~~58241890 2-A1 0.00000000 2526.~~78970281~~64660185 ~~958~~931.~~28542277~~63882104 0.~~95828542~~93163882 2526.~~78970281~~64660185 2-A2 0.00000000 2526.~~78970280~~64660187 ~~958~~931.~~28542280~~63882107 0.~~95828542~~93163882 2526.~~78970280~~64660187 2-A3 0.00000000 2526.~~78970352~~64660144 ~~958~~931.~~28542364~~63882035 0.~~95828542~~93163882 2526.~~78970352~~64660144 3-A1 0.00000000 2114.~~96747320~~85545425 ~~964~~949.~~62469689~~76924272 0.~~96462470~~94976924 2114.~~96747320~~85545425 AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B1 0.00000000 0.~~90132677~~90965148 ~~996~~995.~~42887515~~51922529 0.~~99642888~~99551923 0.~~90132677~~90965148 B2 0.00000000 0.~~90132632~~90965070 ~~996~~995.~~42887641~~51922571 0.~~99642888~~99551923 0.~~90132632~~90965070 B3 0.00000000 0.~~90132686~~90965049 ~~996~~995.~~42887379~~51922330 0.~~99642887~~99551922 0.~~90132686~~90965049 B4 0.00000000 0.~~90132896~~90964791 ~~996~~995.~~42887470~~51922679 0.~~99642887~~99551923 0.~~90132896~~90964791 B5 0.00000000 0.~~90132896~~90964791 ~~996~~995.~~42887470~~51922679 0.~~99642887~~99551923 0.~~90132896~~90964791 B6 0.00000000 0.~~90132723~~90960949 ~~996~~995.~~42890716~~51929766 0.~~99642891~~99551930 0.~~90132723~~90960949 (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 1-A1 40,497,300.00 4.~~70737~~69918% 4039,~~085~~575,~~829~~336.3267 ~~157~~154,~~249~~976.0334 0.00 0.00 1-A2 1,438,700.00 4.~~70737~~69918% 1,~~424~~405,~~082~~946.1649 5,~~586~~505.4066 0.00 0.00 1-A3 35,000,000.00 4.~~70737~~69918% 34,~~644~~203,~~384~~188.3545 ~~135~~133,~~903~~939.2810 0.00 0.00 1-A4 2,327,500.00 4.~~70737~~69918% 2,~~303~~274,~~851~~512.5603 98,~~037~~906.5795 0.00 0.00 2-A1 80,985,200.00 4.~~75878~~73751% 7977,~~695~~606,~~520~~936.8662 ~~316~~306,~~044~~386.6315 0.00 0.00 2-A2 75,000,000.00 4.~~75878~~73751% 7371,~~805~~871,~~634~~406.4271 ~~292~~283,~~687~~742.3972 0.00 0.00 2-A3 5,406,700.00 4.~~75878~~73751% 5,~~320~~181,~~598~~161.9880 2120,~~099~~454.6482 0.00 0.00 3-A1 132,674,600.00 4.~~38888~~38733% ~~130~~127,~~895~~981,~~721~~195.5481 ~~478~~467,~~737~~912.9579 0.00 0.00 AR 100.00 4.~~69918~~69483% 0.00 0.00 0.00 0.00 B1 6,180,400.00 4.~~61659~~60514% 6,~~163~~158,~~899~~329.5802 23,~~713~~633.4832 0.00 0.00 B2 2,510,700.00 4.~~61659~~60514% 2,~~503~~501,~~996~~733.9498 9,~~633~~600.2670 0.00 0.00 B3 1,545,000.00 4.~~61659~~60514% 1,~~540~~539,~~875~~482.1661 5,~~927~~907.9995 0.00 0.00 B4 1,158,800.00 4.~~61659~~60514% 1,~~155~~154,~~706~~661.2478 4,~~446~~431.1815 0.00 0.00 B5 579,400.00 4.~~61659~~60514% 577,~~853~~330.1289 2,~~223~~215.0958 0.00 0.00 B6 965,920.00 4.~~61659~~60514% ~~963~~962,~~341~~470.2261 3,~~706~~693.1260 0.00 0.00 Totals 386,270,320.00 1,~~465~~431,~~996~~306.0183 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 1-A1 0.00 0.00 ~~157~~154,~~249~~976.0334 0.00 39,~~575~~187,~~336~~274.6760 1-A2 0.00 0.00 5,~~586~~505.4066 0.00 1,~~405~~392,~~946~~160.4927 1-A3 0.00 0.00 ~~135~~133,~~903~~939.2810 0.00 3433,~~203~~867,~~188~~803.4581 1-A4 0.00 0.00 98,~~037~~906.5795 0.00 2,~~274~~252,~~512~~208.0395 2-A1 0.00 0.00 ~~316~~306,~~044~~386.6315 0.00 7775,~~606~~448,~~936~~956.6225 2-A2 0.00 0.00 ~~292~~283,~~687~~742.3972 0.00 7169,~~871~~872,~~406~~911.7158 2-A3 0.00 0.00 2120,~~099~~454.6482 0.00 5,~~181~~037,~~161~~091.8061 3-A1 0.00 0.00 ~~478~~467,~~737~~912.9579 0.00 ~~127~~126,~~981~~010,~~195~~254.8137 AR 0.00 0.00 0.00 0.00 0.00 B1 0.00 0.00 23,~~713~~633.4832 0.00 6,~~158~~152,~~329~~707.02 B2 0.00 0.00 9,~~633~~600.2670 0.00 2,~~501~~499,~~733~~450.9812 B3 0.00 0.00 5,~~927~~907.9995 0.00 1,~~539~~538,~~482~~077.6120 B4 0.00 0.00 4,~~446~~431.1815 0.00 1,~~154~~153,~~661~~607.7868 B5 0.00 0.00 2,~~223~~215.0958 0.00 ~~577~~576,~~330~~803.8984 B6 0.00 0.00 3,~~706~~693.1260 0.00 ~~962~~961,~~470~~592.6100 Totals 0.00 0.00 1,~~465~~431,~~996~~306.0183 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 1-A1 40,497,300.00 4.~~70737~~69918% ~~989~~977.~~83955276~~23395560 3.~~88295096~~82683142 0.00000000 0.00000000 1-A2 1,438,700.00 4.~~70737~~69918% ~~989~~977.~~83954959~~23395426 3.~~88294989~~82682978 0.00000000 0.00000000 1-A3 35,000,000.00 4.~~70737~~69918% ~~989~~977.~~83955286~~23395571 3.~~88295086~~82683143 0.00000000 0.00000000 1-A4 2,327,500.00 4.~~70737~~69918% ~~989~~977.~~83955317~~23395489 3.~~88295166~~82683136 0.00000000 0.00000000 2-A1 80,985,200.00 4.~~75878~~73751% ~~984~~958.~~07512558~~28542277 3.~~90249860~~78323632 0.00000000 0.00000000 2-A2 75,000,000.00 4.~~75878~~73751% ~~984~~958.~~07512560~~28542280 3.~~90249853~~78323627 0.00000000 0.00000000 2-A3 5,406,700.00 4.~~75878~~73751% ~~984~~958.~~07512531~~28542364 3.~~90249875~~78323562 0.00000000 0.00000000 3-A1 132,674,600.00 4.~~38888~~38733% ~~986~~964.~~59217017~~62469689 3.~~60836174~~52676993 0.00000000 0.00000000 AR 100.00 4.~~69918~~69483% 0.00000000 0.00000000 0.00000000 0.00000000 B1 6,180,400.00 4.~~61659~~60514% ~~997~~996.~~33020193~~42887515 3.~~83688434~~82391431 0.00000000 0.00000000 B2 2,510,700.00 4.~~61659~~60514% ~~997~~996.~~33020273~~42887641 3.~~83688214~~82391365 0.00000000 0.00000000 B3 1,545,000.00 4.~~61659~~60514% ~~997~~996.~~33020065~~42887379 3.~~83688673~~82391586 0.00000000 0.00000000 B4 1,158,800.00 4.~~61659~~60514% ~~997~~996.~~33020366~~42887470 3.~~83688298~~82391267 0.00000000 0.00000000 B5 579,400.00 4.~~61659~~60514% ~~997~~996.~~33020366~~42887470 3.~~83688298~~82392130 0.00000000 0.00000000 B6 965,920.00 4.~~61659~~60514% ~~997~~996.~~33023439~~42890716 3.~~83688090~~82391917 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 1-A1 0.00000000 0.00000000 3.~~88295096~~82683142 0.00000000 ~~977~~967.~~23395560~~65153726 1-A2 0.00000000 0.00000000 3.~~88294989~~82682978 0.00000000 ~~977~~967.~~23395426~~65153958 1-A3 0.00000000 0.00000000 3.~~88295086~~82683143 0.00000000 ~~977~~967.~~23395571~~65153743 1-A4 0.00000000 0.00000000 3.~~88295166~~82683136 0.00000000 ~~977~~967.~~23395489~~65153598 2-A1 0.00000000 0.00000000 3.~~90249860~~78323632 0.00000000 ~~958~~931.~~28542277~~63882104 2-A2 0.00000000 0.00000000 3.~~90249853~~78323627 0.00000000 ~~958~~931.~~28542280~~63882107 2-A3 0.00000000 0.00000000 3.~~90249875~~78323562 0.00000000 ~~958~~931.~~28542364~~63882035 3-A1 0.00000000 0.00000000 3.~~60836174~~52676993 0.00000000 ~~964~~949.~~62469689~~76924272 AR 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B1 0.00000000 0.00000000 3.~~83688434~~82391431 0.00000000 ~~996~~995.~~42887515~~51922529 B2 0.00000000 0.00000000 3.~~83688214~~82391365 0.00000000 ~~996~~995.~~42887641~~51922571 B3 0.00000000 0.00000000 3.~~83688673~~82391586 0.00000000 ~~996~~995.~~42887379~~51922330 B4 0.00000000 0.00000000 3.~~83688298~~82391267 0.00000000 ~~996~~995.~~42887470~~51922679 B5 0.00000000 0.00000000 3.~~83688298~~82392130 0.00000000 ~~996~~995.~~42887470~~51922679 B6 0.00000000 0.00000000 3.~~83688090~~82391917 0.00000000 ~~996~~995.~~42890716~~51929766 (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 98,~~624~~546,~~755~~004.7430 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 2017,~~161~~445.2182 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 98,~~644~~563,~~916~~450.9512 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 9189,~~318~~349.9608 Payment of Interest and Principal 98,~~553~~474,~~597~~101.9904 Total Withdrawals (Pool Distribution Amount) 98,~~644~~563,~~916~~450.9512 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 8887,~~937~~017.2087 Wells Fargo Bank N.A. 2,~~381~~331.7621 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 9189,~~318~~349.9608

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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 98 0 0 0 98 3,~~519~~244,~~396~~236.0984 0.00 0.00 0.00 3,~~519~~244,~~396~~236.0984 60 Days 10 0 0 0 10 ~~295,319~~0.4500 0.00 0.00 0.00 ~~295,319~~0.4500 90 Days 01 0 0 0 01 0295,319.0045 0.00 0.00 0.00 0295,319.0045 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 109 0 0 0 109 3,~~814~~539,~~715~~556.5429 0.00 0.00 0.00 3,~~814~~539,~~715~~556.5429 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~946372~~854701% 0.000000% 0.000000% 0.000000% 0.~~946372~~854701% 0.~~942976~~885954% 0.000000% 0.000000% 0.000000% 0.~~942976~~885954% 60 Days 0.~~105152~~000000% 0.000000% 0.000000% 0.000000% 0.~~105152~~000000% 0.~~079127~~000000% 0.000000% 0.000000% 0.000000% 0.~~079127~~000000% 90 Days 0.~~000000~~106838% 0.000000% 0.000000% 0.000000% 0.~~000000~~106838% 0.~~000000~~080647% 0.000000% 0.000000% 0.000000% 0.~~000000~~080647% 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 10.~~051525~~961538% 0.000000% 0.000000% 0.000000% 10.~~051525~~961538% 10.~~022103~~966602% 0.000000% 0.000000% 0.000000% 10.~~022103~~966602%

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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 32 0 0 0 32 1,~~789~~104,~~283~~433.2953 0.00 0.00 0.00 1,~~789~~104,~~283~~433.2953 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 32 0 0 0 32 1,~~789~~104,~~283~~433.2953 0.00 0.00 0.00 1,~~789~~104,~~283~~433.2953 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.~~818182~~219512% 0.000000% 0.000000% 0.000000% 1.~~818182~~219512% 21.~~229493~~389340% 0.000000% 0.000000% 0.000000% 21.~~229493~~389340% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.~~818182~~219512% 0.000000% 0.000000% 0.000000% 1.~~818182~~219512% 21.~~229493~~389340% 0.000000% 0.000000% 0.000000% 21.~~229493~~389340% 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 24 0 0 0 24 ~~937~~1,~~615~~761,259.4691 0.00 0.00 0.00 ~~937~~1,~~615~~761,259.4691 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 24 0 0 0 24 ~~937~~1,~~615~~761,259.4691 0.00 0.00 0.00 ~~937~~1,~~615~~761,259.4691 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~619195~~265823% 0.000000% 0.000000% 0.000000% 01.~~619195~~265823% 01.~~584945~~129104% 0.000000% 0.000000% 0.000000% 01.~~584945~~129104% 60 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 90 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 01.~~619195~~265823% 0.000000% 0.000000% 0.000000% 01.~~619195~~265823% 01.~~584945~~129104% 0.000000% 0.000000% 0.000000% 01.~~584945~~129104% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 42 0 0 0 42 ~~792~~378,~~497~~543.3440 0.00 0.00 0.00 ~~792~~378,~~497~~543.3440 60 Days 10 0 0 0 10 ~~295,319~~0.4500 0.00 0.00 0.00 ~~295,319~~0.4500 90 Days 01 0 0 0 01 0295,319.0045 0.00 0.00 0.00 0295,319.0045 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 53 0 0 0 53 1673,~~087,816~~862.7985 0.00 0.00 0.00 1673,~~087,816~~862.7985 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~863931~~438596% 0.000000% 0.000000% 0.000000% 0.~~863931~~438596% 0.~~597320~~289617% 0.000000% 0.000000% 0.000000% 0.~~597320~~289617% 60 Days 0.~~215983~~000000% 0.000000% 0.000000% 0.000000% 0.~~215983~~000000% 0.~~222588~~000000% 0.000000% 0.000000% 0.000000% 0.~~222588~~000000% 90 Days 0.~~000000~~219298% 0.000000% 0.000000% 0.000000% 0.~~000000~~219298% 0.~~000000~~225944% 0.000000% 0.000000% 0.000000% 0.~~000000~~225944% 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 10.~~079914~~657895% 0.000000% 0.000000% 0.000000% 10.~~079914~~657895% 0.~~819907~~515561% 0.000000% 0.000000% 0.000000% 0.~~819907~~515561%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 2017,~~161~~445.2182

SUBORDINATION LEVEL/CLASS PERCENTAGE AND PREPAYMENT PERCENTAGE Current Original $ Original % Current $ Current % Class% Prepayment% Class A 386,270,220.00 99.99997411% ~~372~~365,~~993~~950,~~693~~899.4730 99.~~99999987~~99999988% 96.~~543103~~479791% 0.000000% Class 1-A-1 345,772,920.00 89.51578780% ~~333~~326,~~418~~763,~~356~~624.8070 89.~~38981066~~29165769% 10.~~610189~~708342% ~~306~~304.~~928101~~196173% Class 1-A-2 344,334,220.00 89.14332843% ~~332~~325,~~012~~371,~~410~~464.3143 8988.~~01287493~~91123500% 0.~~376936~~380423% 10.~~903874~~806820% Class 1-A-3 309,334,220.00 80.08231645% ~~297~~291,~~809~~503,~~221~~660.8662 79.~~84296428~~65649513% 9.~~169911~~254740% ~~265~~262.~~264192~~903109% Class 1-A-4 307,006,720.00 79.47975915% ~~295~~289,~~534~~251,~~709~~451.8367 79.~~23316523~~04105493% 0.~~609799~~615440% 17.~~640069~~483057% Class 2-A-1 226,021,520.00 58.51382006% ~~217~~213,~~927~~802,~~773~~495.2142 58.~~42666424~~42382013% 20.~~806501~~617235% ~~601~~585.~~883691~~682061% Class 2-A-2 151,021,520.00 39.09736580% ~~146~~143,~~056~~929,~~366~~583.5084 39.~~15786483~~33029921% 19.~~268799~~093521% ~~557~~542.~~401560~~397310% Class 2-A-3 145,614,820.00 37.69764656% ~~140~~138,~~875~~892,~~204~~492.7023 37.~~76878992~~95386002% 1.~~389075~~376439% 4039.~~182707~~101060% Class 3-A-1 12,940,220.00 3.35004253% 12,~~894~~882,~~008~~237.8986 3.~~45689729~~52020937% 34.~~311893~~433651% ~~992~~978.~~563266~~170530% Class B-1 6,759,820.00 1.75002314% 6,~~735~~729,~~679~~530.8784 1.~~80584283~~83891633% 1.~~651054~~681293% 47.761166% Class B-2 4,249,120.00 1.10003792% 4,~~233~~230,~~945~~080.8972 1.~~13512533~~15591483% 0.~~670718~~683001% 19.402298% Class B-3 2,704,120.00 0.70005896% 2,~~694~~692,~~463~~003.2852 0.~~72238843~~73561877% 0.~~412737~~420296% 11.939519% Class B-4 1,545,320.00 0.40006180% 1,~~539~~538,~~801~~395.5084 0.~~41282239~~42038313% 0.~~309566~~315236% 8.955025% Class B-5 965,920.00 0.25006322% ~~962~~961,~~470~~592.6100 0.~~25803938~~26276531% 0.~~154783~~157618% 4.477513% Class B-6 0.00 0.00000000% 0.00 0.00000000% 0.~~258039~~262765% 7.464479% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

CREDIT ENHANCEMENT Original $ Original % Current $ Current % Bankruptcy 106,350.00 0.02753253% 106,350.00 0.~~02851255~~02906128% Fraud 3,862,703.00 0.99999995% 3,862,703.00 1.~~03559472~~05552494% Special Hazard 4,394,834.00 1.13776124% 4,~~373~~368,~~949~~672.5652 1.~~17266046~~19378652% Limit of Subordinate's Exposure to Certain Types of Losses

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~903883~~892273% Weighted Average Net Coupon 4.~~623826~~612318% Weighted Average Pass-Through Rate 4.~~616326~~604818% Weighted Average Maturity(Stepdown Calculation ) ~~356~~355 Beginning Scheduled Collateral Loan Count ~~966~~951 Number Of Loans Paid In Full 15 Ending Scheduled Collateral Loan Count ~~951~~936 Beginning Scheduled Collateral Balance ~~381~~372,~~081~~993,~~295~~693.9497 Ending Scheduled Collateral Balance ~~372~~365,~~993~~950,~~693~~899.9773 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~373~~366,~~222~~185,~~108~~615.6876 Monthly P &I Constant 1,~~902~~862,~~229~~324.9505 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Optimal Amount 98,~~492~~412,~~284~~847.4969 Scheduled Principal ~~344~~341,~~914~~668.8616 Unscheduled Principal 76,~~742~~701,~~687~~126.1108

Group Level Collateral Statement Group 1 2 3 Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~964869~~956680 5.~~085951~~064731 4.~~646381~~644826 Weighted Average Net Rate 4.~~714869~~706680 4.~~766282~~745007 4.~~396381~~394826 Weighted Average Maturity ~~356~~355 ~~356~~ 355 354 Beginning Loan Count ~~167~~165 ~~329~~323 ~~470~~463 Loans Paid In Full 21 67 7 Ending Loan Count ~~165~~164 ~~323~~316 ~~463~~456 Beginning Scheduled Balance 8180,~~195~~192,~~495~~929.8922 ~~164~~160,~~409~~244,~~425~~995.5954 ~~135~~132,~~476~~555,~~374~~769.4621 Ending scheduled Balance 8079,~~192~~429,~~929~~960.2298 ~~160~~155,~~244~~942,~~995~~224.5449 ~~132~~130,~~555~~578,~~769~~714.2126 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant ~~436~~431,~~875~~917.3128 ~~760~~740,~~985~~175.5891 ~~704~~690,~~369~~230.0686 Scheduled Principal 100,~~937~~675.8006 6463,~~170~~844.3435 ~~179~~177,~~806~~148.7275 Unscheduled Principal ~~901~~662,~~628~~293.8718 4,~~100~~238,~~259~~926.7170 21,~~740~~799,~~798~~906.5320 Scheduled Interest ~~335~~331,~~937~~242.5122 ~~696~~676,~~815~~331.2456 ~~524~~513,~~562~~082.3411 Servicing Fees 16,~~915~~706.7386 4342,~~797~~695.2322 2827,~~224~~615.2479 Master Servicing Fees ~~507~~501.4721 1,~~027~~001.5653 ~~846~~828.7347 Trustee Fee 0.00 0.00 0.00 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 ~~318~~314,~~514~~034.3115 ~~651~~632,~~990~~634.4581 ~~495~~484,~~491~~637.3785 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 4.~~707369~~699180 4.~~758782~~737507 4.~~388881~~387326

Group Level Collateral Statement Group Total Collateral Description Mixed ARM Weighted Average Coupon Rate 4.~~903883~~892273 Weighted Average Net Rate 4.~~623826~~612318 Weighted Average Maturity ~~356~~355 Beginning Loan Count ~~966~~951 Loans Paid In Full 15 Ending Loan Count ~~951~~936 Beginning Scheduled Balance ~~381~~372,~~081~~993,~~295~~693.9497 Ending scheduled Balance ~~372~~365,~~993~~950,~~693~~899.9773 Record Date 1011/3130/2004 Principal And Interest Constant 1,~~902~~862,~~229~~324.9505 Scheduled Principal ~~344~~341,~~914~~668.8616 Unscheduled Principal 76,~~742~~701,~~687~~126.1108 Scheduled Interest 1,~~557~~520,~~315~~655.0989 Servicing Fees 8887,~~937~~017.2087 Master Servicing Fees 2,~~381~~331.7621 Trustee Fee 0.00 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 0.00 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 1,~~465~~431,~~996~~306.1381 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Percentage of Cumulative Losses 0.0000 Prepayment Penalties 0.00 Special Servicing Fee 0.00 Pass-Through Rate 4.~~616326~~604818

Miscellaneous Reporting Group 1 Senior Percentage 96.~~628694~~590790% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~371306~~409210% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0 Group 2 Senior Percentage 96.~~601368~~514406% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~398632~~485594% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0 Group 3 Senior Percentage 96.~~618855~~548944% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~381145~~451056% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0

Filing Compare · J.P. MORGAN MORTGAGE TRUST 2004-A4