8-K 1 jpa050a4_10507.txt 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): July 25, 2005 J.P. MORGAN MORTGAGE TRUST Mortgage Pass-Through Certificates, Series 2005-A4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-121990-02 Pooling and Servicing Agreement) (Commission 54-2176765 (State or other File Number) 54-2176766 jurisdiction 54-2176767 of Incorporation) 54-2176768 IRS EIN 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 July 25, 2005 a distribution was made to holders of J.P. MORGAN MORTGAGE TRUST, Mortgage Pass-Through Certificates, Series 2005-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 2005-A4 Trust, relating to the July 25, 2005 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 2005-A4 Trust (Registrant) By: Wells Fargo Bank, N.A. as Securities Administrator By: /s/ Beth Belfield as Officer By: Beth Belfield as Officer Date: 7/25/2005 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2005-A4 Trust, relating to the July 25, 2005 distribution. EX-99.1

~~SECURITIES~~J.P. ~~AND~~Morgan ~~EXCHANGE~~Acceptance ~~COMMISSION~~Corporation I Mortgage Pass-Through Certificates Record Date: 6/30/2005 Distribution Date: 7/25/2005 J.P. Morgan Acceptance Corporation I Mortgage Pass-Through Certificates Series 2005-A4 Contact: Customer Service - CTSLink Wells Fargo Bank, N.A. Securities Administration Services 7485 New Horizon Way Frederick, MD 21703 www.ctslink.com Telephone: (301) 815-6600 Fax: (301) 815-6660 Certificateholder Distribution Summary Certificate Certificate Beginning Class Pass-Through Certificate Interest Class CUSIP Description Rate Balance Distribution 1-A-1 466247RN5 SEN 5.41661% 265,645,300.00 1,199,080.92 2-A-1 466247RP0 SEN 5.08854% 205,319,200.00 870,646.43 3-A-1 466247RQ8 SEN 5.19156% 100,000,000.00 432,629.78 3-A-2 466247RR6 SEN 5.19156% 49,321,600.00 213,379.93 3-A-3 466247RS4 SEN 5.19156% 45,986,000.00 198,949.13 3-A-4 466247RT2 SEN 5.19156% 22,280,800.00 96,393.38 4-A-1 466247RU9 SEN 5.11825% 167,264,850.00 713,419.30 4-A-2 466247RV7 SEN 5.11825% 50,244,350.00 214,302.58 A-R 466247RW5 SEN 5.41661% 100.00 0.47 B-1 466247RX3 SUB 5.21660% 12,695,300.00 55,188.56 B-2 466247RY1 SUB 5.21660% 8,463,400.00 36,791.79 B-3 466247RZ8 SUB 5.21660% 5,172,300.00 22,484.84 B-4 466247SA2 SUB 5.21660% 3,761,500.00 16,351.86 B-5 466247SB0 SUB 5.21660% 2,350,900.00 10,219.75 B-6 466247SC8 SUB 5.21660% 1,880,886.00 8,176.52 Totals 940,386,486.00 4,088,015.24

~~Washington~~Certificateholder Distribution Summary (continued) Current Ending Cumulative Principal Realized Certificate Total Realized Class Distribution Loss Balance Distribution Losses 1-A-1 1,577,188.73 D0.C00 264,068,111. ~~20549~~27 2,776,269.65 0.00 2-A-1 2,007,658.92 0.00 203,311,541.08 2,878,305.35 0.00 3-A-1 64,785.25 0.00 99,935,214.75 497,415.03 0.00 3-A-2 76,179.94 0.00 49,245,420.06 289,559.87 0.00 3-A-3 0.00 0.00 45,986,000.00 198,949.13 0.00 3-A-4 0.00 0.00 22,280,800.00 96,393.38 0.00 4-A-1 2,277,068.06 0.00 164,987,781.94 2,990,487.36 0.00 4-A-2 0.00 0.00 50,244,350.00 214,302.58 0.00 A-R 100.00 0.00 0.00 100.47 0.00 B-1 4,968.25 0.00 12,690,331.75 60,156.81 0.00 B-2 3,312.12 0.00 8,460,087.88 40,103.91 0.00 B-3 2,024.16 0.00 5,170,275.84 24,509.00 0.00 B-4 1,472.05 0.00 3,760,027.95 17,823.91 0.00 B-5 920.02 0.00 2,349,979.98 11,139.77 0.00 B-6 736.08 0.00 1,880,149.92 8,912.60 0.00 Totals 6,016,413.58 0.00 934,370,072.42 10,104,428.82 0.00 All distributions required by the Pooling and Servicing Agreement have been calculated by the Certificate Administrator on behalf of the Trustee.

~~Form~~Principal Distribution Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Realized Class Amount Balance Distribution Distribution Accretion Loss (1) 1-A-1 265,645,300.00 265,645,300.00 38,260.38 1,538,928.35 0.00 0.00 2-A-1 205,319,200.00 205,319,200.00 50,113.65 1,957,545.27 0.00 0.00 3-A-1 100,000,000.00 100,000,000.00 9,123.38 55,661.87 0.00 0.00 3-A-2 49,321,600.00 49,321,600.00 10,728.03 65,451.91 0.00 0.00 3-A-3 45,986,000.00 45,986,000.00 0.00 0.00 0.00 0.00 3-A-4 22,280,800.00 22,280,800.00 0.00 0.00 0.00 0.00 4-A-1 167,264,850.00 167,264,850.00 246,356.16 2,030,711.90 0.00 0.00 4-A-2 50,244,350.00 50,244,350.00 0.00 0.00 0.00 0.00 A-R 100.00 100.00 2.43 97.57 0.00 0.00 B-1 12,695,300.00 12,695,300.00 4,968.25 0.00 0.00 0.00 B-2 8,463,400.00 8,463,400.00 3,312.12 0.00 0.00 0.00 B-K3 5,172,300.00 5,172,300.00 2,024.16 0.00 0.00 0.00 B-4 3,761,500.00 3,761,500.00 1,472.05 0.00 0.00 0.00 B-5 2,350,900.00 2,350,900.00 920.02 0.00 0.00 0.00 B-6 1,880,886.00 1,880,886.00 736.08 0.00 0.00 0.00 Totals 940,386,486.00 940,386,486.00 368,016.71 5,648,396.87 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.

~~CURRENT~~Principal ~~REPORT~~Distribution Statement (continued) Total Ending Ending Total Principal Certificate Certificate Principal Class Reduction Balance Percentage Distribution 1-A-1 1,577,188.73 264,068,111.27 0.99406280 1,577,188.73 2-A-1 2,007,658.92 203,311,541.08 0.99022177 2,007,658.92 3-A-1 64,785.25 99,935,214.75 0.99935215 64,785.25 3-A-2 76,179.94 49,245,420.06 0.99845544 76,179.94 3-A-3 0.00 45,986,000.00 1.00000000 0.00 3-A-4 0.00 22,280,800.00 1.00000000 0.00 4-A-1 2,277,068.06 164,987,781.94 0.98638645 2,277,068.06 4-A-2 0.00 50,244,350.00 1.00000000 0.00 A-R 100.00 0.00 0.00000000 100.00 B-1 4,968.25 12,690,331.75 0.99960865 4,968.25 B-2 3,312.12 8,460,087.88 0.99960865 3,312.12 B-3 2,024.16 5,170,275.84 0.99960865 2,024.16 B-4 1,472.05 3,760,027.95 0.99960865 1,472.05 B-5 920.02 2,349,979.98 0.99960865 920.02 B-6 736.08 1,880,149.92 0.99960865 736.08 Totals 6,016,413.58 934,370,072.42 0.99360219 6,016,413.58

~~Pursuant~~Principal toDistribution ~~Section~~Factors 13Statement orOriginal 15Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (d2) ofAmount ~~the~~Balance Distribution Distribution Accretion 1-A-1 265,645,300.00 1000.00000000 0.14402807 5.79316988 0.00000000 2-A-1 205,319,200.00 1000.00000000 0.24407678 9.53415594 0.00000000 3-A-1 100,000,000.00 1000.00000000 0.09123380 0.55661870 0.00000000 3-A-2 49,321,600.00 1000.00000000 0.21751180 1.32704353 0.00000000 3-A-3 45,986,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 3-A-4 22,280,800.00 1000.00000000 0.00000000 0.00000000 0.00000000 4-A-1 167,264,850.00 1000.00000000 1.47285075 12.14069722 0.00000000 4-A-2 50,244,350.00 1000.00000000 0.00000000 0.00000000 0.00000000 A-R 100.00 1000.00000000 24.30000000 975.70000000 0.00000000 B-1 12,695,300.00 1000.00000000 0.39134562 0.00000000 0.00000000 B-2 8,463,400.00 1000.00000000 0.39134627 0.00000000 0.00000000 B-3 5,172,300.00 1000.00000000 0.39134621 0.00000000 0.00000000 B-4 3,761,500.00 1000.00000000 0.39134654 0.00000000 0.00000000 B-5 2,350,900.00 1000.00000000 0.39134799 0.00000000 0.00000000 B-6 1,880,886.00 1000.00000000 0.39134748 0.00000000 0.00000000 (2) All denominations are per $1000

~~Securities~~Principal ~~Exchange~~Distribution ~~Act~~Factors ofStatement ~~1934~~(continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-A-1 0.00000000 5.93719795 994.06280205 0.99406280 5.93719795 2-A-1 0.00000000 9.77823272 990.22176728 0.99022177 9.77823272 3-A-1 0.00000000 0.64785250 999.35214750 0.99935215 0.64785250 3-A-2 0.00000000 1.54455533 998.45544467 0.99845544 1.54455533 3-A-3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 3-A-4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 4-A-1 0.00000000 13.61354797 986.38645203 0.98638645 13.61354797 4-A-2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 A-R 0.00000000 1,000.00000000 0.00000000 0.00000000 1,000.00000000 B-1 0.00000000 0.39134562 999.60865438 0.99960865 0.39134562 B-2 0.00000000 0.39134627 999.60865373 0.99960865 0.39134627 B-3 0.00000000 0.39134621 999.60865379 0.99960865 0.39134621 B-4 0.00000000 0.39134654 999.60865346 0.99960865 0.39134654 B-5 0.00000000 0.39134799 999.60865201 0.99960865 0.39134799 B-6 0.00000000 0.39134748 999.60865252 0.99960865 0.39134748 (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.

~~Date~~Interest ofDistribution ~~Report~~Statement ~~(Date~~Beginning Payment of ~~earliest~~Original ~~event~~Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall 1-A-1 265,645,300.00 5.41661% 265,645,300.00 1,199,080.92 0.00 0.00 2-A-1 205,319,200.00 5.08854% 205,319,200.00 870,646.43 0.00 0.00 3-A-1 100,000,000.00 5.19156% 100,000,000.00 432,629.78 0.00 0.00 3-A-2 49,321,600.00 5.19156% 49,321,600.00 213,379.93 0.00 0.00 3-A-3 45,986,000.00 5.19156% 45,986,000.00 198,949.13 0.00 0.00 3-A-4 22,280,800.00 5.19156% 22,280,800.00 96,393.38 0.00 0.00 4-A-1 167,264,850.00 5.11825% 167,264,850.00 713,419.30 0.00 0.00 4-A-2 50,244,350.00 5.11825% 50,244,350.00 214,302.58 0.00 0.00 A-R 100.00 5.41661% 100.00 0.45 0.00 0.00 B-1 12,695,300.00 5.21660% 12,695,300.00 55,188.56 0.00 0.00 B-2 8,463,400.00 5.21660% 8,463,400.00 36,791.79 0.00 0.00 B-3 5,172,300.00 5.21660% 5,172,300.00 22,484.84 0.00 0.00 B-4 3,761,500.00 5.21660% 3,761,500.00 16,351.86 0.00 0.00 B-5 2,350,900.00 5.21660% 2,350,900.00 10,219.75 0.00 0.00 B-6 1,880,886.00 5.21660% 1,880,886.00 8,176.52 0.00 0.00 Totals 940,386,486.00 4,088,015.22 0.00 0.00

~~Reported~~Interest Distribution Statement (continued)~~: July~~ 19Remaining Ending Non-Supported Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (4) Distribution Shortfall Balance 1-A-1 0.00 0.00 1,199,080.92 ~~2005 J~~0.P00 264,068,111.27 ~~MORGAN~~2-A-1 ~~ACCEPTANCE~~0.00 ~~CORPORATION~~0.00 ~~I J~~870,646.P43 0.00 ~~MORGAN~~203,311,541.08 ~~MORTGAGE~~3-A-1 ~~TRUST~~0.00 ~~2005~~0.00 432,629.78 0.00 99,935,214.75 3-A4A-2 0.00 0.00 213,379.93 0.00 49,245,420.06 3-A-3 0.00 0.00 198,949.13 0.00 45,986,000.00 3-A-4 0.00 0.00 96,393.38 0.00 22,280,800.00 4-A-1 0.00 0.00 713,419.30 0.00 164,987,781.94 4-A-2 0.00 0.00 214,302.58 0.00 50,244,350.00 A-R 0.00 0.00 0.47 0.00 0.00 B-1 0.00 0.00 55,188.56 0.00 12,690,331.75 B-2 0.00 0.00 36,791.79 0.00 8,460,087.88 B-3 0.00 0.00 22,484.84 0.00 5,170,275.84 B-4 0.00 0.00 16,351.86 0.00 3,760,027.95 B-5 0.00 0.00 10,219.75 0.00 2,349,979.98 B-6 0.00 0.00 8,176.52 0.00 1,880,149.92 Totals 0.00 0.00 4,088,015.24 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.

J.P. MORGAN ACCEPTANCE CORPORATION I
(Exact name of registrant as specified in its charter)
Delaware	333-121990	13-3475488
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)
270 Park Avenue New York, New York 10017
(Address of Principal Executive Offices) (Zip Code)
Registrant’s telephone number, including area code (212) 834-3850

~~Check~~Interest ~~the~~Distribution ~~appropriate~~Factors ~~box~~Statement ~~below~~(continued) ifRemaining ~~the~~Ending ~~Form~~Non-Supported 8Total Unpaid Certificate/ Interest Realized Interest Interest Notional Class Shortfall Losses (6) Distribution Shortfall Balance 1-KA-1 ~~filing~~0.00000000 is0.00000000 ~~intended~~4.51384203 to0.00000000 ~~simultaneously~~994.06280205 ~~satisfy~~2-A-1 ~~the~~0.00000000 ~~filing~~0.00000000 ~~obligation~~4.24045306 of0.00000000 ~~the~~990.22176728 ~~registrant~~3-A-1 ~~under~~0.00000000 ~~any~~0.00000000 of4.32629780 0.00000000 999.35214750 3-A-2 0.00000000 0.00000000 4.32629781 0.00000000 998.45544467 3-A-3 0.00000000 0.00000000 4.32629779 0.00000000 1000.00000000 3-A-4 0.00000000 0.00000000 4.32629798 0.00000000 1000.00000000 4-A-1 0.00000000 0.00000000 4.26520754 0.00000000 986.38645203 4-A-2 0.00000000 0.00000000 4.26520753 0.00000000 1000.00000000 A-R 0.00000000 0.00000000 4.70000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 4.34716470 0.00000000 999.60865438 B-2 0.00000000 0.00000000 4.34716426 0.00000000 999.60865373 B-3 0.00000000 0.00000000 4.34716470 0.00000000 999.60865379 B-4 0.00000000 0.00000000 4.34716469 0.00000000 999.60865346 B-5 0.00000000 0.00000000 4.34716492 0.00000000 999.60865201 B-6 0.00000000 0.00000000 4.34716405 0.00000000 999.60865252 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the ~~following~~Prospectus ~~provisions:~~Supplement for a Full Description.

~~[ ]~~CERTIFICATEHOLDER ~~Written~~ACCOUNT ~~communications~~STATEMENT ~~pursuant~~CERTIFICATE toACCOUNT ~~Rule~~Beginning ~~425~~Balance ~~under~~0.00 ~~the~~Deposits ~~Securities~~Payments ~~Act~~of Interest and Principal 10,318,719.70 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (17Servicer ~~CFR~~Advances) ~~230~~0.~~425~~00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 10,318,719.70 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 214,290.88 Payment of Interest and Principal 10,104,428.82 Total Withdrawals (Pool Distribution Amount) 10,318,719.70 Ending Balance 0.00

~~[ ]~~PREPAYMENT/CURTAILMENT ~~Soliciting~~INTEREST ~~material~~SHORTFALL ~~pursuant~~Total toPrepayment/Curtailment ~~Rule~~Interest ~~14a-12~~Shortfall ~~under~~0.00 ~~the~~Servicing ~~Exchange~~Fee ~~Act~~Support ~~(17~~0.00 ~~CFR~~Non-Supported ~~240~~Prepayment/Curtailment Interest Shortfall 0.~~14a-12)~~00

~~[ ]~~SERVICING ~~Pre-commencement~~FEES ~~communications~~Gross ~~pursuant~~Servicing toFee ~~Rule~~214,290.88 ~~14d-2(b)~~Supported ~~under~~Prepayment/Curtailment ~~the~~Interest ~~Exchange~~Shortfall ~~Act~~0.00 ~~(17~~Net ~~CFR~~Servicing ~~240~~Fee 214,290.~~14d-2(b))~~88

~~[ ]~~LOAN ~~Pre-commencement~~STATUS ~~communications~~STRATIFICATION/CREDIT ~~pursuant~~ENHANCEMENT toSTATEMENT ~~Rule~~DELINQUENT ~~13e~~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-~~4(c)~~29 ~~under~~Days ~~the~~0 ~~Exchange~~0 ~~Act~~0 ~~(17~~0 ~~CFR~~0.00 ~~240~~0.~~13e~~00 0.00 0.00 30 Days 5 0 0 0 5 2,579,946.47 0.00 0.00 0.00 2,579,946.47 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 5 0 0 0 5 2,579,946.47 0.00 0.00 0.00 2,579,946.47 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-~~4(c))~~29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.255232% 0.000000% 0.000000% 0.000000% 0.255232% 0.276038% 0.000000% 0.000000% 0.000000% 0.276038% 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 0.255232% 0.000000% 0.000000% 0.000000% 0.255232% 0.276038% 0.000000% 0.000000% 0.000000% 0.276038%

Delinquency Status By Groups

~~Item~~DELINQUENT 8BANKRUPTCY 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 0.0100 0. ~~Other~~00 ~~Events~~0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 5 0 0 0 5 2,579,946.47 0.00 0.00 0.00 2,579,946.47 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 5 0 0 0 5 2,579,946.47 0.00 0.00 0.00 2,579,946.47 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 1.039501% 0.000000% 0.000000% 0.000000% 1.039501% 1.222022% 0.000000% 0.000000% 0.000000% 1.222022% 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 1.039501% 0.000000% 0.000000% 0.000000% 1.039501% 1.222022% 0.000000% 0.000000% 0.000000% 1.222022% 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% DELINQUENT BANKRUPTCY FORECLOSURE REO Total 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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 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 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 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 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000%

OnOTHER ~~June~~INFORMATION 1,Current ~~2005,~~Period ~~J.P.~~Class ~~Morgan~~A ~~Acceptance~~Insufficient ~~Corporation~~Funds I0.00 ~~(the~~Principal ~~“Company”)~~Balance ~~entered into a Pooling and Servicing Agreement dated as~~ of ~~June~~Contaminated 1,Properties ~~2005 (the “Pooling and Servicing Agreement”), by and among the Company, as depositor, Wells Fargo Bank, N~~0.~~A.,~~00 asPeriodic ~~master~~Advance ~~servicer (in such capacity~~11, the “Master Servicer”) and securities administrator (in such capacity, the “Securities Administrator”) and Wachovia Bank, National Association, as trustee (the “Trustee”), providing for the issuance of J721.~~P. Morgan Mortgage Trust 2005-A4 Mortgage Pass-Through Certificates. The Pooling and Servicing Agreement is annexed hereto as Exhibit 99.1.~~42

~~Item~~CREDIT 9ENHANCEMENT Original $ Original % Current $ Current % Bankruptcy 207,039.0100 0. ~~Financial~~02201637% ~~Statements~~207,039.00 ~~and~~0.02215814% ~~Exhibits~~Fraud 18,807,730.00 2.00000003% 18,807,730.00 2.01287804% Special Hazard 9,403,865.00 1.00000001% 9,403,865.00 1.00643902% Limit of Subordinate's Exposure to Certain Types of Losses

REO Detail - All Mortgage Loans in REO during Current Period

~~(a) Financial~~Summary ~~statements~~12 ofMonth ~~businesses~~REO ~~acquired:~~History* New REO Loans Month REO Percentage Loans in REO 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current REO Total Dec-04 0.000% Loans in REO 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 1 12 Month REO History* New REO Loans Month REO Percentage Loans in REO 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current REO Total Dec-04 0.000% Loans in REO 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 2 12 Month REO History* New REO Loans Month REO Percentage Loans in REO 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current REO Total Dec-04 0.000% Loans in REO 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 3 12 Month REO History* New REO Loans Month REO Percentage Loans in REO 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current REO Total Dec-04 0.000% Loans in REO 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 4 12 Month REO History* New REO Loans Month REO Percentage Loans in REO 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current REO Total Dec-04 0.000% Loans in REO 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com.

~~Not~~REO ~~applicable~~Loan Detail - All Mortgage Loans in REO during Current Period Month Loan First Original Loan Entered Payment LTV at Principal Group Number REO Date State Origination Balance No REO loans this period.

REO Loan Detail - All Mortgage Loans in REO during Current Period (bcontinued) ~~Pro~~ ~~forma~~Current ~~financial~~Paid ~~information:~~Current Approximate Loan Principal To Months Loan Delinquent Group Number Balance Date Delinquent Rate Interest No REO loans this period.

Foreclosure Detail - All Mortgage Loans in Foreclosure during Current Period

~~Not~~Summary ~~applicable~~12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage Loans in Foreclosure 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current Foreclosure Total Dec-04 0.000% Loans in Foreclosure 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 1 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage Loans in Foreclosure 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current Foreclosure Total Dec-04 0.000% Loans in Foreclosure 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 2 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage Loans in Foreclosure 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current Foreclosure Total Dec-04 0.000% Loans in Foreclosure 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 3 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage Loans in Foreclosure 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current Foreclosure Total Dec-04 0.000% Loans in Foreclosure 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com. 4 12 Month Foreclosure History* New Foreclosure Loans Month Foreclosure Percentage Loans in Foreclosure 0 Aug-04 0.000% Original Principal Balance 0.00 Sep-04 0.000% Current Principal Balance 0.00 Oct-04 0.000% Nov-04 0.000% Current Foreclosure Total Dec-04 0.000% Loans in Foreclosure 0 Jan-05 0.000% Original Principal Balance 0.00 Feb-05 0.000% Current Principal Balance 0.00 Mar-05 0.000% Apr-05 0.000% May-05 0.000% Jun-05 0.000% Jul-05 0.000% *The text reported in the above table is presented graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at www.ctslink.com.

~~(c) Exhibits:~~Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period Month Loan First Original Loan Entered Payment LTV at Principal Group Number FC Date State Origination Balance No Foreclosure loans this period.

~~Exhibit~~Foreclosure Loan Detail - All Mortgage Loans in Foreclosure during Current Period (continued) Current Paid Current Approximate Loan Principal To Months Loan Delinquent Group Number Balance Date Delinquent Rate Interest No Foreclosure loans this period.

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 5.490048% Weighted Average Net Coupon 5.216598% Weighted Average Pass-Through Rate 5.216598% Weighted Average Maturity(Stepdown Calculation) 357 Beginning Scheduled Collateral Loan Count 1,964 Number Of Loans Paid In Full 5 Ending Scheduled Collateral Loan Count 1,959 Beginning Scheduled Collateral Balance 940,386,486.00 Ending Scheduled Collateral Balance 934,370,072.71 Ending Actual Collateral Balance at 30-Jun-2005 934,632,953.17 Monthly P&I Constant 4,670,322.73 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal 368,016.70 Unscheduled Principal 5,648,396.87

Group Level Collateral Statement Group 1 2 3 Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 5.695846 5.345370 5.497073 Weighted Average Net Rate 5.416610 5.088544 5.191557 Weighted Average Maturity 358 357 357 Beginning Loan Count 554 483 516 Loans Paid In Full 1 2 0 Ending Loan Count 553 481 516 Beginning Scheduled Balance 275,708,843.00 213,097,286.00 225,831,279.00 Ending Scheduled Balance 274,130,105.34 211,087,729.18 225,689,562.16 Record Date 06/30/2005 06/30/2005 06/30/2005 Principal And Interest Constant 1,348,374.95 1,001,248.55 1,055,112.70 Scheduled Principal 39,712.32 52,012.10 20,603.44 Unscheduled Principal 1,539,025.92 1,957,545.27 121,113.78 Scheduled Interest 1,308,662.63 949,236.45 1,034,509.26 Servicing Fees 64,156.49 45,607.34 57,495.99 Master Servicing Fees 0.00 0.00 0.00 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 1 0.00 0.00 0.00 Spread 2 0.00 0.00 0.00 Spread 3 0.00 0.00 0.00 Net Interest 1,244,506.14 903,629.11 977,013.27 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 5.416610 5.088544 5.191557

~~The~~Group ~~Pooling~~Level ~~and~~Collateral ~~Servicing~~Statement ~~Agreement~~Group 4 Total Collateral Description Mixed ARM Mixed ARM Weighted Average Coupon Rate 5.368249 5.490048 Weighted Average Net Rate 5.118249 5.216598 Weighted Average Maturity 358 357 Beginning Loan Count 411 1,964 ~~dated~~Loans asPaid ofIn ~~June~~Full 2 5 Ending Loan Count 409 1,959 Beginning Scheduled Balance 225,749,076.00 940,386,484.00 Ending scheduled Balance 223,462,676.03 934,370,072.71 Record Date 06/30/2005 06/30/2005 Principal And Interest Constant 1,265,586.53 by4,670,322.73 ~~and~~Scheduled ~~among~~Principal ~~the~~255,688.84 ~~Company~~368,016.70 ~~the~~Unscheduled ~~Master~~Principal ~~Servicer~~2,030,711.90 ~~the~~5,648,396.87 ~~Securities~~Scheduled ~~Administrator~~Interest ~~and~~1,009,897.69 ~~the~~4,302,306.03 Servicing Fees 47,031.06 214,290.88 Master Servicing Fees 0.00 0.00 Trustee Fee 0.00 0.00 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 1 0.00 0.00 Spread 2 0.00 0.00 Spread 3 0.00 0.00 Net Interest 962,866.63 4,088,015.15 Realized Loss Amount 0.00 0.00 Cumulative Realized Loss 0.00 0.00 Percentage of Cumulative Losses 0.0000 0.0000 Prepayment Penalties 0.00 0.00 Special Servicing Fee 0.00 0.00 Pass-Through Rate 5.118249 5.216598

~~SIGNATURES~~Prepayment Detail - Prepayments during Current Period Summary Loans Paid In Full Repurchased Loans Original Current Original Current Principal Principal Principal Principal Group Count Balance Balance Count Balance Balance 1 1 432,000.00 432,000.00 0 0.00 0.00 2 2 1,319,550.00 1,319,550.00 0 0.00 0.00 3 0 0.00 0.00 0 0.00 0.00 4 2 1,381,000.00 1,379,452.68 0 0.00 0.00 Total 5 3,132,550.00 3,131,002.68 0 0.00 0.00

~~Pursuant~~Prepayment toDetail ~~the~~- ~~requirements~~Prepayments ofduring ~~the~~Current ~~Securities~~Period ~~Exchange~~(continued) ~~Act~~Summary ofSubstitution ~~1934~~Loans Liquidated Loans Curtailments Original Current Original Current Principal Principal Principal Principal Curtailment Group Count Balance Balance Count Balance Balance Amount 1 0 0.00 0.00 0 0.00 0.00 1,107,025.92 ~~the~~2 ~~registrant~~0 ~~duly~~0.00 ~~caused~~0.00 ~~this~~0 ~~report~~0.00 to0.00 be637,995.27 ~~signed~~3 on0 ~~its~~0.00 ~~behalf~~0.00 by0 ~~the~~0.00 ~~undersigned~~0.00 ~~hereunto~~121,113.78 ~~duly~~4 ~~authorized~~0 0.00 0.00 0 0.00 0.00 652,813.47 Total 0 0.00 0.00 0 0.00 0.00 2,518,948.44

JPrepayment Loan Detail - Prepayments during Current Period First Original Loan LTV at Payment Principal Prepayment Group Number State Origination Date Balance Amount 1 1844147808 VA 90.P00 01-May-2005 432,000.00 ~~MORGAN~~432,000.00 ~~ACCEPTANCE~~2 ~~CORPORATION~~0105216799 ICA 79.99 01-May-2005 469,550.00 469,550.00 2 1847114714 CA 68.00 01-May-2005 850,000.00 850,000.00 4 1236167605 CA 74.84 01-Jun-2005 681,000.00 679,434.32 4 1412411691 MI 56.00 01-Jun-2005 700,000.00 698,464.11

~~By:~~Prepayment ~~/s/~~Loan ~~Jonathan~~Detail P- Prepayments during Current Period (continued) Current Loan PIF Months Loan Original Group Number Type Delinquent Rate Term Seasoning 1 1844147808 Loan Paid in Full 0 6.250% ~~Davis~~360 2 2 0105216799 Loan Paid in Full 0 6.000% 360 2 2 1847114714 Loan Paid in Full 0 5.625% 360 2 4 1236167605 Loan Paid in Full 0 5.250% 360 1 4 1412411691 Loan Paid in Full 0 5.500% 360 1

Prepayment - Voluntary Prepayments

~~Name~~Summary SMM CPR PSA Current Month 0.601% Current Month 6.977% Current Month 2,157.803% 3 Month Average 0.000% 3 Month Average 0.000% 3 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% CPR: ~~Jonathan~~ PCurrent vs 12mo Average* PSA: Current vs 12mo Average* Month Current 12mo Avg. ~~Davis~~Month Current 12mo Avg. Aug-2004 N/A N/A Aug-2004 N/A N/A Sep-2004 N/A N/A Sep-2004 N/A N/A Oct-2004 N/A N/A Oct-2004 N/A N/A Nov-2004 N/A N/A Nov-2004 N/A N/A Dec-2004 N/A N/A Dec-2004 N/A N/A Jan-2005 N/A N/A Jan-2005 N/A N/A Feb-2005 N/A N/A Feb-2005 N/A N/A Mar-2005 N/A N/A Mar-2005 N/A N/A Apr-2005 N/A N/A Apr-2005 N/A N/A May-2005 N/A N/A May-2005 N/A N/A Jun-2005 N/A N/A Jun-2005 N/A N/A Jul-2005 6.977% N/A Jul-2005 2,157.803% N/A *The text reported in the above table is presented *The text reported in the above table is presented graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at www.ctslink.com. www.ctslink.com. 1 SMM CPR PSA Current Month 0.558% Current Month 6.498% Current Month 2,178.562% 3 Month Average 0.000% 3 Month Average 0.000% 3 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% CPR: Current vs 12mo Average* PSA: Current vs 12mo Average* Month Current 12mo Avg. Month Current 12mo Avg. Aug-2004 N/A N/A Aug-2004 N/A N/A Sep-2004 N/A N/A Sep-2004 N/A N/A Oct-2004 N/A N/A Oct-2004 N/A N/A Nov-2004 N/A N/A Nov-2004 N/A N/A Dec-2004 N/A N/A Dec-2004 N/A N/A Jan-2005 N/A N/A Jan-2005 N/A N/A Feb-2005 N/A N/A Feb-2005 N/A N/A Mar-2005 N/A N/A Mar-2005 N/A N/A Apr-2005 N/A N/A Apr-2005 N/A N/A May-2005 N/A N/A May-2005 N/A N/A Jun-2005 N/A N/A Jun-2005 N/A N/A Jul-2005 6.498% N/A Jul-2005 2,178.562% N/A *The text reported in the above table is presented *The text reported in the above table is presented graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at www.ctslink.com. www.ctslink.com. 2 SMM CPR PSA Current Month 0.919% Current Month 10.486% Current Month 2,543.557% 3 Month Average 0.000% 3 Month Average 0.000% 3 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% CPR: Current vs 12mo Average* PSA: Current vs 12mo Average* Month Current 12mo Avg. Month Current 12mo Avg. Aug-2004 N/A N/A Aug-2004 N/A N/A Sep-2004 N/A N/A Sep-2004 N/A N/A Oct-2004 N/A N/A Oct-2004 N/A N/A Nov-2004 N/A N/A Nov-2004 N/A N/A Dec-2004 N/A N/A Dec-2004 N/A N/A Jan-2005 N/A N/A Jan-2005 N/A N/A Feb-2005 N/A N/A Feb-2005 N/A N/A Mar-2005 N/A N/A Mar-2005 N/A N/A Apr-2005 N/A N/A Apr-2005 N/A N/A May-2005 N/A N/A May-2005 N/A N/A Jun-2005 N/A N/A Jun-2005 N/A N/A Jul-2005 10.486% N/A Jul-2005 2,543.557% N/A *The text reported in the above table is presented *The text reported in the above table is presented graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at www.ctslink.com. www.ctslink.com. 3 SMM CPR PSA Current Month 0.054% Current Month 0.642% Current Month 197.895% 3 Month Average 0.000% 3 Month Average 0.000% 3 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% CPR: Current vs 12mo Average* PSA: Current vs 12mo Average* Month Current 12mo Avg. Month Current 12mo Avg. Aug-2004 N/A N/A Aug-2004 N/A N/A Sep-2004 N/A N/A Sep-2004 N/A N/A Oct-2004 N/A N/A Oct-2004 N/A N/A Nov-2004 N/A N/A Nov-2004 N/A N/A Dec-2004 N/A N/A Dec-2004 N/A N/A Jan-2005 N/A N/A Jan-2005 N/A N/A Feb-2005 N/A N/A Feb-2005 N/A N/A Mar-2005 N/A N/A Mar-2005 N/A N/A Apr-2005 N/A N/A Apr-2005 N/A N/A May-2005 N/A N/A May-2005 N/A N/A Jun-2005 N/A N/A Jun-2005 N/A N/A Jul-2005 0.642% N/A Jul-2005 197.895% N/A *The text reported in the above table is presented *The text reported in the above table is presented graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at www.ctslink.com. www.ctslink.com. 4 SMM CPR PSA Current Month 0.901% Current Month 10.287% Current Month 3,821.574% 3 Month Average 0.000% 3 Month Average 0.000% 3 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% 12 Month Average 0.000% CPR: Current vs 12mo Average* PSA: Current vs 12mo Average* Month Current 12mo Avg. Month Current 12mo Avg. Aug-2004 N/A N/A Aug-2004 N/A N/A Sep-2004 N/A N/A Sep-2004 N/A N/A Oct-2004 N/A N/A Oct-2004 N/A N/A Nov-2004 N/A N/A Nov-2004 N/A N/A Dec-2004 N/A N/A Dec-2004 N/A N/A Jan-2005 N/A N/A Jan-2005 N/A N/A Feb-2005 N/A N/A Feb-2005 N/A N/A Mar-2005 N/A N/A Mar-2005 N/A N/A Apr-2005 N/A N/A Apr-2005 N/A N/A May-2005 N/A N/A May-2005 N/A N/A Jun-2005 N/A N/A Jun-2005 N/A N/A Jul-2005 10.287% N/A Jul-2005 3,821.574% N/A *The text reported in the above table is presented *The text reported in the above table is presented graphically on the monthly bond remittance report. The graphically on the monthly bond remittance report. The monthly bond remittance report can be viewed online at monthly bond remittance report can be viewed online at www.ctslink.com. www.ctslink.com. Calculation Methodology: Single Month Mortality (SMM): (Partial and full prepayments + Repurchases) / (Beginning Scheduled Balance - Scheduled Principal) Conditional PrePayment Rate (CPR): 1 - ((1 - SMM)^12) PSA Standard Prepayment Model: 100 * CPR / (0.2 * MIN(30,WAS)) Weighted Average Seasoning (WAS): sum((Original Term - Remaining Term)*(Current Scheduled Balance/Deal Scheduled Principal Balance))

~~Title: Vice~~Realized ~~President~~Loss Detail Report - Loans with Losses during Current Period Summary # Loans Prior Realized Current with Principal Loss/(Gain) Loss Group Losses Balance Amount Percentage 1 0 0.00 0.00 0.000% 2 0 0.00 0.00 0.000% 3 0 0.00 0.00 0.000% 4 0 0.00 0.00 0.000% Total 0 0.00 0.00 0.000%

~~Dated: July~~Realized ~~19,~~Loss ~~2005~~Loan Detail Report - Loans With Losses during Current Period Original Current Loan Principal Note LTV at Original Group Number Balance Rate State Origination Term No losses this period.

~~Exhibit~~Realized ~~Index~~Loss Loan Detail Report - Loans With Losses during Current Period (continued) Prior Cumulative Loan Principal Realized Realized Group Number Balance Loss/(Gain) Loss/(Gain) No losses this period.

Realized Loss Report - Collateral Summary

99.1

The Pooling and Servicing Agreement

Filing Compare · J.P. Morgan Mortgage Trust 2005-A4