8-K 1 sam04ar4_aug.txt AUGUST 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): August 19, 2004 STRUCTURED ASSET MORTGAGE INVESTMENTS II INC. Mortgage Pass-Through Certificates, Series 2004-AR4 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-115122-12 54-6636462 Pooling and Servicing Agreement) (Commission 54-6636463 (State or other File Number) 54-6636464 jurisdiction IRS EIN of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On August 19, 2004 a distribution was made to holders of STRUCTURED ASSET MORTGAGE INVESTMENTS II INC., Mortgage Pass-Through Certificates, Series 2004-AR4 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-AR4 Trust, relating to the August 19, 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. STRUCTURED ASSET MORTGAGE INVESTMENTS II INC. Mortgage Pass-Through Certificates, Series 2004-AR4 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: 8/30/04 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-AR4 Trust, relating to the August 19, 2004 distribution. EX-99.1

~~TABLE~~Structured OFAsset ~~CONTENTS~~Mortgage ~~Page~~Investments ~~ARTICLE~~Inc. IMortgage ~~Definitions~~Pass-Through ~~Section~~Certificates ~~1.01.~~Record ~~Definitions...............................................................................~~Date: 8/2/04 ~~Section~~Distribution ~~1.02.~~Date: ~~Calculation~~8/19/04 ofSAM ~~LIBOR.....................................................................43~~Series: ~~ARTICLE~~2004-AR4 IIContact: ~~Conveyance~~Customer ofService ~~Mortgage~~- ~~Loans;~~CTSLink ~~Original~~Wells ~~Issuance~~Fargo ofBank, ~~Certificates Section 2~~N.01A. ~~Conveyance~~Securities ofAdministration ~~Mortgage~~Services ~~Loans~~7485 toNew ~~Trustee..................................................45~~Horizon ~~Section~~Way ~~2.02.~~Frederick, ~~Acceptance~~MD of21703 ~~Trust~~Telephone: ~~Fund~~(301) by815-6600 ~~Trustee......................................................47~~Fax: ~~Section~~(301) ~~2.03.~~815-6660 ~~Assignment~~Certificateholder ofDistribution ~~Interest~~Summary inCertificate ~~the~~Certificate ~~Mortgage~~Beginning ~~Loan~~Class ~~Purchase~~Pass-Through ~~Agreement~~Certificate ~~and~~Interest inPrincipal ~~the~~Class ~~Subsequent~~CUSIP ~~Mortgage~~Description ~~Loan~~Rate ~~Purchase~~Balance ~~Agreement(s)...........................................49~~Distribution ~~Section~~Distribution ~~2.04.~~I-A-1 ~~Substitution~~86359LDH9 ofSEN ~~Mortgage Loans~~1.~~..........................................................51~~83000% ~~Section 2~~334,713,700.~~05.~~00 ~~Issuance of Certificates~~323,277.~~................................................................52~~64 ~~Section~~ 2,720,151.~~06.~~63 ~~Representations~~II-A-1 ~~and~~86359LDJ5 ~~Warranties~~SEN ~~Concerning~~1.83000% ~~the Depositor~~252,524,000.~~.................................52~~00 ~~Section 2~~243,896.~~07.~~09 ~~Conveyance of the Subsequent Mortgage Loans~~1,164,172.~~.............................................54~~03 ~~ARTICLE~~ III-A-1 ~~Administration~~86359LDW6 ~~and~~SEN ~~Servicing of Mortgage Loans Section~~ 3.~~01.~~26100% ~~Master Servicer~~63,906,700.~~.........................................................................57~~00 ~~Section 3~~173,666.~~02.~~46 ~~REMIC-Related Covenants~~15,134.~~.................................................................58~~38 ~~Section~~X ~~3.03.~~86359LDK2 ~~Monitoring~~SEN ~~of Servicers~~1.~~.................................................................58~~20600% ~~Section 3~~0.~~04.~~00 ~~Fidelity Bond~~1,004,270.~~...........................................................................60~~16 ~~Section 3~~0.~~05.~~00 ~~Power~~R-I to86359LDL0 ~~Act;~~SEN ~~Procedures~~2.97900% 50.00 0.~~..............................................................60~~12 ~~Section 3~~50.~~06.~~00 ~~Due~~R-~~on-Sale~~II ~~Clauses;~~86359LDM8 ~~Assumption~~SEN ~~Agreements~~2.97900% 50.00 0.~~............................................61~~12 ~~Section 3~~50.~~07.~~00 ~~Release~~R-III of86359LDN6 ~~Mortgage~~SEN ~~Files~~2.97900% 50.00 0.~~.............................................................61~~12 ~~Section 3~~50.~~08.~~00 ~~Documents,~~M ~~Records~~86359LDP1 ~~and~~MEX ~~Funds~~1.93000% in27,398,000.00 ~~Possession of Master Servicer To Be Held for Trustee~~27,907.~~.................................................................................62~~91 ~~Section 3~~0.~~09.~~00 ~~Standard~~B-1 ~~Hazard~~86359LDQ9 ~~Insurance~~SUB ~~and Flood Insurance Policies~~2.~~..................................63~~10000% ~~Section 3.~~10,674,400.00 ~~Presentment~~11,830.79 of0.00 ~~Claims~~B-2 ~~and~~86359LDR7 ~~Collection~~SUB ~~of Proceeds~~2.~~........................................63~~68000% ~~Section 3~~7,828,000.00 11,072.27 ~~Maintenance~~0.00 ofB-3 ~~the~~86359LDS5 ~~Primary~~SUB ~~Mortgage~~2.98000% ~~Insurance~~5,337,300.00 ~~Policies~~8,394.~~..................................64~~39 ~~Section 3~~0.~~12.~~00 ~~Trustee~~B-4 to86359LDT3 ~~Retain~~SUB ~~Possession~~3.08300% of2,490,700.00 ~~Certain~~6,399.02 ~~Insurance~~0.00 ~~Policies~~B-5 ~~and~~86359LDU0 ~~Documents.................64~~SUB ~~Section~~ 3.1308300% 2,134,900.00 ~~Realization Upon Defaulted Mortgage Loans~~5,484.~~...............................................65~~91 ~~Section 3~~0.~~14.~~00 ~~Compensation~~B-6 ~~for~~86359LDV8 ~~the~~SUB ~~Master Servicer.....................................................65 Section~~ 3.~~15.~~08300% ~~REO Property~~4,625,782.~~............................................................................65~~00 ~~Section 3~~11,884.~~16.~~40 ~~Annual Officer's Certificate as to Compliance~~0.~~...........................................66~~00 ~~Section~~Totals 3711,633,632.~~17.~~00 ~~Annual Independent Accountant's Servicing Report~~1,828,084.~~........................................66~~40 ~~Section~~ 3,899,608.~~18. Reports Filed with Securities and Exchange Commission....................................67~~04

~~Section~~Certificateholder ~~3.19.~~Distribution ~~EMC......................................................................................68~~Summary ~~Section~~(continued) ~~3.20.~~Current ~~UCC......................................................................................68~~Ending ~~Section~~Cumulative ~~3.21.~~Realized ~~Optional~~Certificate ~~Purchase~~Total ofRealized ~~Defaulted~~Class ~~Mortgage~~Loss ~~Loans............................................68~~Balance ~~ARTICLE~~Distribution IVLosses ~~Accounts~~I-A-1 ~~Section~~0.00 4331,993,548.0137 3,043,429.27 ~~Protected Accounts~~0.~~......................................................................70~~00 ~~Section~~II-A-1 40.0200 251,359,827.97 ~~Distribution~~1,408,068.12 ~~Account~~0.~~....................................................................71~~00 ~~Section~~III-A-1 40.0300 63,891,565.62 ~~Permitted~~188,800.84 ~~Withdrawals~~0.00 ~~and~~X ~~Transfers~~0.00 ~~from~~0.00 ~~the Distribution Account~~1,004,270.~~.......................72~~16 ~~Section 4~~0.~~04.~~00 ~~Group I Pre~~R-~~Funding Account and Group~~ I ~~Pre-Funding Reserve Account~~0.~~.....................74~~00 ~~Section 4~~0.~~05.~~00 ~~Group I Interest Coverage Account~~50.~~.......................................................75~~12 ~~Section 4~~0.~~06.~~00 ~~Group~~ R-II ~~Pre-Funding~~0.00 ~~Account~~0.00 ~~and~~50.12 ~~Group~~0.00 ~~II Pre~~R-~~Funding~~III ~~Reserve~~0.00 ~~Account~~0.00 50.12 0.~~.................77~~00 ~~Section~~M 40.0700 27,398,000.00 ~~Group~~27,907.91 ~~II Interest Coverage Account~~0.~~......................................................78~~00 ~~(d) Upon the earliest of (i) the Distribution Date immediately following the end of the Pre~~B-~~Funding~~1 ~~Period,~~0.00 ~~(ii) the reduction of the principal balances of the Certificates to zero or (iii) the termination of this Agreement in accordance with Section~~ 10~~.01~~,674,400.00 any amount remaining on deposit in the Group III Interest Coverage Account after distributions pursuant to paragraph (c) above shall be withdrawn by the Paying Agent and paid to the Seller or its designee11,830.~~................................................................................80~~79 ~~Section 4~~0.~~08.~~00 ~~Group III Pre~~B-~~Funding~~2 ~~Account~~0.00 ~~and~~7,828,000.00 ~~Group~~11,072.27 ~~III~~0.00 ~~Pre~~B-~~Funding~~3 ~~Reserve~~0.00 ~~Account~~5,337,300.00 8,394.39 0.~~...............80~~00 ~~Section~~ B-4 0.~~09.~~00 ~~Group III Interest Coverage Account~~2,490,700.~~.....................................................82~~00 ~~Section 4~~6,399.~~10.~~02 ~~Distribution of Carryover Shortfall Amount; Carryover Shortfall Reserve Fund~~0.~~............83~~00 ~~ARTICLE V Certificates Section~~ B-5 0.~~01.~~00 ~~Certificates~~2,134,900.~~............................................................................85~~00 ~~Section~~ 5,484.~~02.~~91 ~~Registration of Transfer and Exchange of Certificates~~0.~~...................................93~~00 ~~Section~~B-6 50.~~03.~~00 ~~Mutilated~~4, ~~Destroyed~~625, ~~Lost or Stolen Certificates~~782.~~.......................................97~~00 ~~Section 5~~11,884.~~04.~~40 ~~Persons Deemed Owners~~0.~~...................................................................97~~00 ~~Section~~Totals 50.~~05.~~00 ~~Transfer Restrictions on Residual Certificates~~707,734,023.~~..........................................97~~96 ~~Section~~ 5,727,692.0644 0.00 ~~Restrictions~~All ondistributions ~~Transferability~~required ofby ~~Certificates..........................................98~~the ~~Section~~Pooling ~~5.07.~~and ~~ERISA~~Servicing ~~Restrictions.......................................................................99~~Agreement ~~Section~~have ~~5.08.~~been ~~Rule~~calculated ~~144A~~by ~~Information...................................................................100~~the ~~Section~~Certificate ~~5.09.~~Administrator ~~Appointment~~on behalf of ~~Paying~~the ~~Agent and Certificate Registrar~~Trustee.~~..................................101~~

~~ARTICLE~~Principal VIDistribution ~~Payments~~Statement toOriginal ~~Certificateholders~~Beginning ~~Section~~Scheduled ~~6.01.~~Unscheduled ~~Distributions~~Face onCertificate ~~the~~Principal ~~Certificates.......................................................102~~Principal ~~Section~~Realized ~~6.02.~~Class ~~Allocation~~Amount ofBalance ~~Losses....................................................................107~~Distribution ~~Section~~Distribution ~~6.03.~~Accretion ~~Payments................................................................................109~~Loss ~~Section~~(1) 6I-A-1 334,713,700.0400 334,713,700.00 ~~Statements~~0.00 to2,720,151.63 ~~Certificateholders~~0.00 0.~~......................................................110~~00 ~~Section~~II-A-1 6252,524,000.0500 252,524,000.00 ~~Monthly~~0.00 ~~Advances~~1,164,172.03 0.00 0.~~.....................................................................113~~00 ~~Section~~III-A-1 663,906,700.0600 63,906,700.00 ~~Compensating~~0.00 ~~Interest~~15,134.38 ~~Payments~~0.00 0.~~........................................................113~~00 ~~ARTICLE~~X ~~VII~~0.00 ~~The~~0.00 ~~Master~~0.00 ~~Servicer~~0.00 ~~Section~~0.00 70.~~01.~~00 ~~Liabilities~~R-I of50.00 ~~the~~50.00 ~~Master~~0.00 ~~Servicer~~50.00 0.00 0.~~...................................................114~~00 ~~Section~~R-II 750.0200 50.00 ~~Merger~~0.00 or50.00 ~~Consolidation~~0.00 of0.00 ~~the~~R-III ~~Master~~50.00 ~~Servicer~~50.00 0.00 50.00 0.00 0.~~.....................................114~~00 ~~Section~~M 727,398,000.~~03.~~00 ~~Indemnification of the Trustee~~27,398,000.00 ~~the~~0.00 ~~Custodian~~0.00 ~~and~~0.00 ~~the~~0.00 ~~Securities~~B-1 ~~Administrator~~10,674,400.00 10,674,400.00 0.00 0.00 0.00 0.~~.....................................................................114~~00 ~~Section~~B-2 7,828,000.0400 7,828,000.00 ~~Limitations~~0.00 on0.00 ~~Liability~~0.00 of0.00 ~~the~~B-3 ~~Master~~5,337,300.00 ~~Servicer~~5,337,300.00 ~~and~~0.00 ~~Others~~0.00 0.~~............................115~~00 ~~Section 7~~0.~~05.~~00 ~~Master~~B-4 ~~Servicer Not to Resign~~2,490,700.~~..........................................................116~~00 ~~Section 7~~2,490,700.~~06.~~00 ~~Successor Master Servicer~~0.~~..............................................................116~~00 ~~Section 7~~0.~~07.~~00 ~~Sale and Assignment of Master Servicing~~0.~~................................................116~~00 ~~ARTICLE VIII Default Section 8~~0.~~01.~~00 ~~"Event~~B-5 ~~of Default"~~2,134,900.~~.....................................................................118~~00 ~~Section 8~~2,134,900.~~02.~~00 ~~Trustee to Act; Appointment of Successor~~0.~~...............................................120~~00 ~~Section 8~~0.~~03.~~00 ~~Notification to Certificateholders~~0.~~.....................................................120~~00 ~~Section 8~~0.~~04.~~00 ~~Waiver~~B-6 ~~of Defaults~~4,625,782.~~.....................................................................121~~00 ~~Section 8~~4,625,782.~~05.~~00 ~~List of Certificateholders~~0.~~.............................................................121~~00 ~~ARTICLE IX Concerning the Trustee and the Securities Administrator Section 9~~0.~~01.~~00 ~~Duties of Trustee~~0.~~......................................................................122~~00 ~~Section 9~~0.~~02.~~00 ~~Certain~~Totals ~~Matters Affecting the Trustee and the Securities Administrator~~711,633,632.~~.................124~~00 ~~Section 9~~711,633,632.~~03.~~00 ~~Trustee and Securities Administrator Not Liable for Certificates or Mortgage Loans~~0.~~..................................................................................126~~00 ~~Section 9~~3,899,608.04 0.00 ~~Trustee~~0.00 ~~and~~(1) ~~Securities~~Amount ~~Administrator~~Does ~~May~~Not ~~Own~~Include ~~Certificates...............................126~~Excess ~~Section~~Special ~~9.05.~~Hazard, ~~Trustee's~~Bankruptcy, ~~and~~or ~~Securities~~Fraud ~~Administrator's~~Losses ~~Fees~~Unless ~~and~~Otherwise ~~Expenses~~Disclosed.~~.............................126~~ ~~Section~~Please ~~9.06.~~Refer ~~Eligibility~~to ~~Requirements~~the ~~for~~Prospectus ~~Trustee,~~Supplement ~~Paying~~for ~~Agent~~a ~~and~~Full ~~Securities Administrator~~Description.~~..........................................................................127 Section 9.07. Insurance...............................................................................127~~

~~Section~~Principal ~~9.08.~~Distribution ~~Resignation~~Statement ~~and~~(continued) ~~Removal~~Total ofEnding ~~the~~Ending ~~Trustee~~Total ~~and~~Principal ~~Securities~~Certificate ~~Administrator.....................127~~Certificate ~~Section~~Principal ~~9.09.~~Class ~~Successor~~Reduction ~~Trustee~~Balance ~~and~~Percentage ~~Successor~~Distribution ~~Securities~~I-A-1 ~~Administrator~~2,720,151.63 331,993,548.37 0.99187320 2,720,151.~~............................128~~63 ~~Section~~II-A-1 91,164,172.1003 251,359,827.97 ~~Merger~~0.99538986 or1,164,172.03 ~~Consolidation~~III-A-1 of15,134.38 ~~Trustee~~63,891,565.62 or0.99976318 ~~Securities Administrator~~15,134.~~.........................129~~38 ~~Section~~X 90.1100 0.00 ~~Appointment~~0.00000000 of0.00 CoR-~~Trustee~~I or50.00 ~~Separate~~0.00 ~~Trustee~~0.00000000 50.~~.........................................129~~00 ~~Section~~R-II 950.1200 0.00 ~~Federal~~0.00000000 ~~Information~~50.00 ~~Returns~~R-III ~~and~~50.00 ~~Reports~~0.00 to0.00000000 ~~Certificateholders;~~50.00 ~~REMIC~~M ~~Administration~~0.00 27,398,000.00 1.~~.......................................................................130~~00000000 ~~ARTICLE X Termination Section 10~~0.~~01.~~00 ~~Termination~~B-1 ~~Upon Repurchase by the Depositor or its Designee or Liquidation of the Mortgage Loans~~0.~~..................................................................134~~00 ~~Section~~ 10,674,400.0200 1.00000000 ~~Additional Termination Requirements~~0.~~....................................................136~~00 ~~ARTICLE~~B-2 ~~XI Miscellaneous Provisions Section 11~~0.~~01.~~00 ~~Intent of Parties~~7,828,000.~~......................................................................138~~00 ~~Section 11~~1.~~02.~~00000000 ~~Amendment~~0.~~..............................................................................138~~00 ~~Section~~B-3 110.~~03.~~00 ~~Recordation of Agreement~~5,337,300.~~...............................................................139~~00 ~~Section 11~~1.~~04.~~00000000 ~~Limitation on Rights of Certificateholders~~0.~~.............................................139~~00 ~~Section~~B-4 110.~~05.~~00 ~~Acts of Certificateholders~~2,490,700.~~.............................................................140~~00 ~~Section 11~~1.~~06.~~00000000 ~~GOVERNING LAW~~0.~~..........................................................................141~~00 ~~Section~~B-5 110.~~07.~~00 ~~Notices~~2,134,900.~~................................................................................141~~00 ~~Section 11~~1.~~08.~~00000000 ~~Severability of Provisions~~0.~~.............................................................142~~00 ~~Section~~B-6 110.~~09.~~00 ~~Successors and Assigns~~4,625,782.~~.................................................................142~~00 ~~Section 11~~1.~~10.~~00000000 ~~Article and Section Headings~~0.~~...........................................................142~~00 ~~Section~~Totals 113,899,608.~~11.~~04 ~~Counterparts~~707,734,023.~~...........................................................................142~~96 ~~Section 11~~0.~~12.~~99452020 ~~Notice to Rating Agencies~~3,899,608.~~..............................................................142~~04

Filing Compare · Structured Asset Mortgage Investments II Trust 2004-AR4