8-K 1 bay0400a_nov.txt NOVEMBER 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): November 29, 2004 BAYVIEW FINANCIAL SECURITIES COMPANY, LLC. Mortgage Pass-Through Certificates, Series 2004-A Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-104181-04 54-2151919 Pooling and Servicing Agreement) (Commission 54-2151920 (State or other File Number) 54-2151921 jurisdiction 54-2151922 of Incorporation) 54-2151923 IRS EIN 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 November 29, 2004 a distribution was made to holders of BAYVIEW FINANCIAL SECURITIES COMPANY, LLC., Mortgage Pass-Through Certificates, Series 2004-A 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-A Trust, relating to the November 29, 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. BAYVIEW FINANCIAL SECURITIES COMPANY, LLC. Mortgage Pass-Through Certificates, Series 2004-A Trust (Registrant) By: Wells Fargo Bank, N.A. as Master Servicer By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 11/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-A Trust, relating to the November 29, 2004 distribution. EX-99.1

Bayview Financial ~~Securities~~Acquisition ~~Company,~~Trust ~~LLC~~ Mortgage Pass-Through Certificates Record Date: 710/3130/042004 Distribution Date: 811/3029/042004 BAY Series: 2004-A 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 R 073249CC6 SEN 0.00000% 0.00 0.00 0.00 A-IO 073249BS2 SEN 3.50000% 0.00 ~~610~~522,~~175~~591.0067 0.00 A 073249BT0 SEN 12.~~91188~~40875% ~~338~~306,~~814~~004,~~099~~386.1672 ~~593~~655,~~790~~189.9139 10,~~667~~025,~~620~~562.1324 M1 073249BU7 MEZ 2.~~16188~~65875% 27,000,000.00 5363,~~506~~810.5300 0.00 M2 073249BV5 MEZ 2.~~46188~~95875% 4,500,000.00 1011,~~155~~835.2600 0.00 M3 073249BW3 MEZ 23.~~96188~~45875% 10,500,000.00 2832,~~508~~281.1067 0.00 M4 073249BX1 MEZ 3.~~26188~~75875% 4,500,000.00 1315,~~455~~035.2500 0.00 B1 073249BY9 JUN 4.~~21188~~70875% 4,125,000.00 1517,~~926~~265.1742 0.00 B2 073249CD4 JUN 45.~~96188~~45875% 9,000,000.00 4043,~~935~~670.5100 0.00 F 073249CA0 SEN 1.~~78812~~29125% 0.00 ~~415~~268,~~179~~778.6951 0.00 P 073249CB8 SEN 0.00000% 100.00 2580,~~738~~577.6889 0.00 X 073249BZ6 SEN 0.00000% 0.00 ~~147~~171,~~831~~321.7966 0.00 Totals ~~398~~365,~~439~~629,~~199~~486.1672 1,~~955~~882,~~202~~356.8921 10,~~667~~025,~~620~~562.1324

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses R 0.00 0.00 0.00 0.00 A-IO 0.00 0.00 ~~610~~522,~~175~~591.0067 0.00 A 0.00 ~~328~~295,~~146~~978,~~479~~824.0348 1110,~~261~~680,~~411~~751.0463 0.00 M1 0.00 27,000,000.00 5363,~~506~~810.5300 0.00 M2 0.00 4,500,000.00 1011,~~155~~835.2600 0.00 M3 0.00 10,500,000.00 2832,~~508~~281.1067 0.00 M4 0.00 4,500,000.00 1315,~~455~~035.2500 0.00 B1 0.00 4,125,000.00 1517,~~926~~265.1742 0.00 B2 0.00 9,000,000.00 4043,~~935~~670.5100 0.00 F 0.00 0.00 ~~415~~268,~~179~~778.6951 0.00 P 0.00 100.00 2580,~~738~~577.6889 0.00 X 0.00 0.00 ~~147~~171,~~831~~321.7966 0.00 Totals 0.00 ~~387~~355,~~771~~603,~~579~~924.0348 1211,~~622~~907,~~823~~918.0245 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) R 0.00 0.00 0.00 0.00 0.00 0.00 A-IO 0.00 0.00 0.00 0.00 0.00 0.00 A 389,250,000.00 ~~338~~306,~~814~~004,~~099~~386.1672 ~~800~~753,~~094~~894.4975 9,~~867~~271,~~525~~667.6449 0.00 0.00 M1 27,000,000.00 27,000,000.00 0.00 0.00 0.00 0.00 M2 4,500,000.00 4,500,000.00 0.00 0.00 0.00 0.00 M3 10,500,000.00 10,500,000.00 0.00 0.00 0.00 0.00 M4 4,500,000.00 4,500,000.00 0.00 0.00 0.00 0.00 B1 4,125,000.00 4,125,000.00 0.00 0.00 0.00 0.00 B2 9,000,000.00 9,000,000.00 0.00 0.00 0.00 0.00 F 0.00 0.00 0.00 0.00 0.00 0.00 P 100.00 100.00 0.00 0.00 0.00 0.00 X 0.00 0.00 0.00 0.00 0.00 0.00 Totals 448,875,100.00 ~~398~~365,~~439~~629,~~199~~486.1672 ~~800~~753,~~094~~894.4975 9,~~867~~271,~~525~~667.6449 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 R 0.00 0.00 0.00000000 0.00 A-IO 0.00 0.00 0.00000000 0.00 A 10,~~667~~025,~~620~~562.1324 ~~328~~295,~~146~~978,~~479~~824.0348 0.~~84302243~~76038234 10,~~667~~025,~~620~~562.1324 M1 0.00 27,000,000.00 1.00000000 0.00 M2 0.00 4,500,000.00 1.00000000 0.00 M3 0.00 10,500,000.00 1.00000000 0.00 M4 0.00 4,500,000.00 1.00000000 0.00 B1 0.00 4,125,000.00 1.00000000 0.00 B2 0.00 9,000,000.00 1.00000000 0.00 F 0.00 0.00 0.00000000 0.00 P 0.00 100.00 1.00000000 0.00 X 0.00 0.00 0.00000000 0.00 Totals 10,~~667~~025,~~620~~562.1324 ~~387~~355,~~771~~603,~~579~~924.0348 0.~~86387411~~79221130 10,~~667~~025,~~620~~562.1324

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion R 0.00 0.00000000 0.00000000 0.00000000 0.00000000 A-IO 0.00 0.00000000 0.00000000 0.00000000 0.00000000 A 389,250,000.00 ~~870~~786.~~42800041~~13843730 21.~~05547717~~93678805 2523.~~35009798~~81931276 0.00000000 M1 27,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M2 4,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M3 10,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 M4 4,500,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B1 4,125,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 B2 9,000,000.00 1000.00000000 0.00000000 0.00000000 0.00000000 F 0.00 0.00000000 0.00000000 0.00000000 0.00000000 P 100.00 1000.00000000 0.00000000 0.00000000 0.00000000 X 0.00 0.00000000 0.00000000 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 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-IO 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A 0.00000000 2725.~~40557516~~75610081 ~~843~~760.~~02242525~~38233649 0.~~84302243~~76038234 2725.~~40557516~~75610081 M1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M3 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 M4 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B1 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 B2 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 F 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 P 0.00000000 0.00000000 1,000.00000000 1.00000000 0.00000000 X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (3) Amount Does Not Include Excess Special Hazard, Bankruptcy, or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

Interest Distribution Statement Beginning Payment of Original Current Certificate/ Current Unpaid Current Face Certificate Notional Accrued Interest Interest Class Amount Rate Balance Interest Shortfall Shortfall R 0.00 0.00000% 0.00 0.00 0.00 0.00 A-IO 0.00 3.50000% ~~209~~179,~~202~~174,~~857~~286.00 ~~610~~522,~~175~~591.0067 0.00 0.00 A 389,250,000.00 12.~~91188~~40875% ~~338~~306,~~814~~004,~~099~~386.1672 ~~593~~655,~~790~~189.9139 0.00 0.00 M1 27,000,000.00 2.~~16188~~65875% 27,000,000.00 5363,~~506~~810.5300 0.00 0.00 M2 4,500,000.00 2.~~46188~~95875% 4,500,000.00 1011,~~155~~835.2600 0.00 0.00 M3 10,500,000.00 23.~~96188~~45875% 10,500,000.00 2832,~~508~~281.1067 0.00 0.00 M4 4,500,000.00 3.~~26188~~75875% 4,500,000.00 1315,~~455~~035.2500 0.00 0.00 B1 4,125,000.00 4.~~21188~~70875% 4,125,000.00 1517,~~926~~265.1742 0.00 0.00 B2 9,000,000.00 45.~~96188~~45875% 9,000,000.00 4043,~~935~~670.5100 0.00 0.00 F 0.00 1.~~78812~~29125% ~~253~~234,~~295~~172,~~808~~955.3638 ~~415~~268,~~179~~778.6951 0.00 0.00 P 100.00 0.00000% 100.00 0.00 0.00 0.00 X 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 448,875,100.00 1,~~781~~630,~~632~~456.4266 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 R 0.00 0.00 0.00 0.00 0.00 A-IO 0.00 0.00 ~~610~~522,~~175~~591.0067 0.00 ~~198~~170,~~678~~145,~~857~~714.00 A 0.00 0.00 ~~593~~655,~~790~~189.9139 0.00 ~~328~~295,~~146~~978,~~479~~824.0348 M1 0.00 0.00 5363,~~506~~810.5300 0.00 27,000,000.00 M2 0.00 0.00 1011,~~155~~835.2600 0.00 4,500,000.00 M3 0.00 0.00 2832,~~508~~281.1067 0.00 10,500,000.00 M4 0.00 0.00 1315,~~455~~035.2500 0.00 4,500,000.00 B1 0.00 0.00 1517,~~926~~265.1742 0.00 4,125,000.00 B2 0.00 0.00 4043,~~935~~670.5100 0.00 9,000,000.00 F 0.00 0.00 ~~415~~268,~~179~~778.6951 0.00 ~~248~~229,~~172~~020,~~863~~172.7421 P 0.00 0.00 2580,~~738~~577.6889 0.00 100.00 X 0.00 0.00 ~~147~~171,~~831~~321.7966 0.00 0.00 Totals 0.00 0.00 1,~~955~~882,~~202~~356.8921 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 R 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 A-IO 0.00 3.50000% ~~813~~696.~~56666656~~78889039 2.~~37290278~~03230094 0.00000000 0.00000000 A 389,250,000.00 12.~~91188~~40875% ~~870~~786.~~42800041~~13843730 1.~~52547440~~68320974 0.00000000 0.00000000 M1 27,000,000.00 2.~~16188~~65875% 1000.00000000 12.~~98172333~~36333333 0.00000000 0.00000000 M2 4,500,000.00 2.~~46188~~95875% 1000.00000000 2.~~25672444~~63000000 0.00000000 0.00000000 M3 10,500,000.00 23.~~96188~~45875% 1000.00000000 23.~~71505714~~07444476 0.00000000 0.00000000 M4 4,500,000.00 3.~~26188~~75875% 1000.00000000 23.~~99005556~~34111111 0.00000000 0.00000000 B1 4,125,000.00 4.~~21188~~70875% 1000.00000000 34.~~86088970~~18555636 0.00000000 0.00000000 B2 9,000,000.00 45.~~96188~~45875% 1000.00000000 4.~~54839000~~85222222 0.00000000 0.00000000 F 0.00 1.~~78812~~29125% ~~905~~837.~~45537439~~09699879 10.~~48414095~~96080132 0.00000000 0.00000000 P 100.00 0.00000% 1000.00000000 0.00000000 0.00000000 0.00000000 X 0.00 0.00000% 0.00000000 0.00000000 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 R 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 A-IO 0.00000000 0.00000000 2.~~37290278~~03230094 0.00000000 ~~772~~661.~~63999987~~67777703 A 0.00000000 0.00000000 1.~~52547440~~68320974 0.00000000 ~~843~~760.~~02242525~~38233649 M1 0.00000000 0.00000000 12.~~98172333~~36333333 0.00000000 1000.00000000 M2 0.00000000 0.00000000 2.~~25672444~~63000000 0.00000000 1000.00000000 M3 0.00000000 0.00000000 23.~~71505714~~07444476 0.00000000 1000.00000000 M4 0.00000000 0.00000000 23.~~99005556~~34111111 0.00000000 1000.00000000 B1 0.00000000 0.00000000 34.~~86088970~~18555636 0.00000000 1000.00000000 B2 0.00000000 0.00000000 4.~~54839000~~85222222 0.00000000 1000.00000000 F 0.00000000 0.00000000 10.~~48414095~~96080132 0.00000000 ~~887~~818.~~14240755~~67736823 P 0.00000000 0.00000000 ~~257386~~805778.~~80000000~~90000000 0.00000000 1000.00000000 X 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 (6) Amount Does Not Include Excess Special Hazard, Bankruptcy,or Fraud Losses Unless Otherwise Disclosed. Please Refer to the Prospectus Supplement for a Full Description.

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 12,~~766~~032,~~910~~306.0859 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) ~~263~~344,~~516~~639.2548 Realized Loss (Gains, Subsequent Expenses & Recoveries) (480,~~644~~891.1539) Prepayment Penalties 2580,~~738~~577.6889 Total Deposits 1312,~~051~~376,~~520~~632.8657 Withdrawals Reimbursement for Servicer Advances ~~236~~294,~~696~~069.4958 Payment of Service Fee ~~192~~174,~~001~~644.3554 Payment of Interest and Principal 1211,~~622~~907,~~823~~918.0245 Total Withdrawals (Pool Distribution Amount) 1312,~~051~~376,~~520~~632.8657 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~179~~164,~~365~~589.8315 Custodian Fee ~~836~~769.1537 Indenture Trustee Fee 1,~~672~~538.2983 Master Servicing Fee 54,~~016~~616.8731 ~~MGIC Fees 1,708.42~~ Radian Fees 3,~~401~~130.7988 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~192~~174,~~001~~644.3554

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 2024 0 03 2027 1,~~115~~562,~~816~~919.1091 0.00 0.00 1,~~115~~562,~~816~~919.1091 30 Days ~~236~~281 37 0 0 ~~239~~288 1418,~~365~~188,~~964~~400.2183 ~~103~~729,~~583~~902.2273 0.00 0.00 1418,~~469~~918,~~547~~303.4356 60 Days 8190 36 0 0 8496 65,~~636~~790,~~143~~249.1118 ~~191~~349,~~875~~507.2367 0.00 0.00 6,~~828~~139,~~018~~756.3485 90 Days 2730 2 1215 0 4147 12,~~739~~022,~~416~~665.3945 68112,~~547~~945.2607 1,~~060~~213,~~378~~325.6688 0.00 23,~~868~~348,~~342~~936.3140 120 Days 712 23 1213 24 2332 ~~757~~1,~~262~~128,580.9028 87302,~~111~~721.0102 1,~~277~~363,~~273~~088.1181 87217,~~748~~764.7442 23,~~209~~012,~~395~~154.7653 150 Days 78 23 1113 74 2728 ~~599~~732,~~470~~609.4019 69163,~~172~~800.6324 ~~991~~884,~~719~~242.4976 ~~444~~214,~~739~~939.4570 21,~~105~~995,~~101~~591.9789 180+ Days 723 04 222 012 961 12,~~166~~579,~~205~~295.4907 0337,211.0008 611,~~215~~953,243.2070 0713,158.0038 15,~~227~~582,~~420~~908.6923 Totals ~~365~~444 3249 3763 923 ~~443~~579 2530,~~264~~441,~~462~~800.5000 13,~~636~~559,~~105~~007.4572 35,~~390~~413,~~586~~901.4615 ~~532~~1,~~488~~145,862.1950 3040,~~823~~560,~~642~~571.6037 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.~~445038~~569936% 0.000000% 0.~~000000~~071242% 0.~~445038~~641178% 0.~~284967~~433772% 0.000000% 0.000000% 0.~~284967~~433772% 30 Days 56.~~251446~~672999% 0.~~066756~~166231% 0.000000% 0.000000% 56.~~318202~~839231% 35.~~668909~~047998% 0.~~026454~~202577% 0.000000% 0.000000% 35.~~695363~~250574% 60 Days 12.~~802403~~137260% 0.~~066756~~142484% 0.000000% 0.000000% 12.~~869159~~279744% 1.~~694798~~607022% 0.~~049003~~097002% 0.000000% 0.000000% 1.~~743800~~704024% 90 Days 0.~~600801~~712420% 0.~~044504~~047495% 0.~~267023~~356210% 0.000000% 01.~~912328~~116124% 0.~~444228~~561369% 0.~~017506~~031347% 0.~~270809~~336746% 0.000000% 0.~~732543~~929462% 120 Days 0.~~155763~~284968% 0.~~044504~~071242% 0.~~267023~~308715% 0.~~044504~~094989% 0.~~511794~~759915% 0.~~193397~~313225% 0.~~022247~~084017% 0.~~326201~~378311% 0.~~022410~~060438% 0.~~564255~~835992% 150 Days 0.~~155763~~189979% 0.~~044504~~071242% 0.~~244771~~308715% 0.~~155763~~094989% 0.~~600801~~664925% 0.~~153098~~203328% 0.~~017666~~045461% 0.~~253274~~245412% 0.~~113582~~059654% 0.~~537620~~553855% 180+ Days 0.~~155763~~546189% 0.~~000000~~094989% 0.~~044504~~522441% 0.~~000000~~284968% 01.~~200267~~448587% 0.~~297836~~715856% 0.~~000000~~093589% 0.~~015634~~542102% 0.~~000000~~197930% 01.~~313470~~549477% Totals 810.~~121940~~543814% 01.~~712061~~163619% 01.~~823320~~496082% 0.~~200267~~546189% 913.~~857588~~749703% 68.~~452265~~448798% 0.~~417843~~987765% 01.~~865918~~502571% 0.~~135992~~318022% 711.~~872018~~257156%

Delinquency Status By Groups DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 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 1618 0 03 1621 ~~938~~1,~~790~~025,404.9806 0.00 0.00 ~~938~~1,~~790~~025,404.9806 30 Days ~~189~~221 16 0 0 ~~190~~227 1012,~~286~~615,~~649~~339.7481 60560,~~730~~571.5478 0.00 0.00 1013,~~347~~175,~~380~~911.2859 60 Days 5770 34 0 0 6074 4,~~127~~474,~~247~~686.3510 ~~191~~289,~~875~~421.2336 0.00 0.00 4,~~319~~764,~~122~~107.5846 90 Days 1718 1 1112 0 2931 ~~695~~847,~~666~~162.7876 3758,~~386~~758.7178 ~~835~~936,~~915~~320.7920 0.00 1,~~568~~842,~~969~~241.2874 120 Days 49 2 11 13 1825 ~~207~~328,~~032~~698.7851 8778,~~111~~532.0154 1,~~265~~246,~~792~~915.2235 2991,~~244~~557.6534 1,~~589~~745,~~180~~703.6674 150 Days 5 3 211 94 623 ~~20 225~~433,~~315~~964.2621 69163,~~172~~800.6324 ~~704~~748,~~695~~186.6938 ~~305~~214,~~532~~939.2270 1,~~304~~560,~~715~~890.8053 180 Days 611 03 221 010 845 ~~791~~923,~~534~~807.9125 0142,437.0028 611,~~215~~860,993.2070 0515,447.0006 ~~852~~3,~~750~~442,685.1129 Totals ~~276~~334 2537 3355 720 ~~341~~446 1619,~~333~~623,~~446~~658.8264 12,~~385~~318,~~067~~926.1004 24,~~867~~792,~~618~~415.9063 ~~334~~821,~~776~~944.8710 2027,~~920~~556,~~909~~944.6941 0-29 Days 0.~~463097~~552995% 0.000000% 0.~~000000~~092166% 0.~~463097~~645161% 0.~~377496~~446639% 0.000000% 0.000000% 0.~~377496~~446639% 30 Days 56.~~470333~~789555% 0.~~028944~~184332% 0.000000% 0.000000% 56.~~499276~~973886% 45.~~136347~~494915% 0.~~024420~~244171% 0.000000% 0.000000% 45.~~160767~~739085% 60 Days 12.~~649783~~150538% 0.~~086831~~122888% 0.000000% 0.000000% 12.~~736614~~273425% 1.~~659600~~949057% 0.~~077155~~126064% 0.000000% 0.000000% 12.~~736755~~075122% 90 Days 0.~~492041~~552995% 0.~~028944~~030722% 0.~~318379~~368664% 0.000000% 0.~~839363~~952381% 0.~~279733~~369002% 0.~~015034~~025594% 0.~~336129~~407837% 0.000000% 0.~~630895~~802433% 120 Days 0.~~115774~~276498% 0.~~057887~~061444% 0.~~318379~~337942% 0.~~028944~~092166% 0.~~520984~~768049% 0.~~083250~~143173% 0.~~035028~~034207% 0.~~508985~~543124% 0.~~011760~~039880% 0.~~639023~~760383% 150 Days 0.~~086831~~153610% 0.~~057887~~092166% 0.~~260492~~337942% 0.~~173661~~122888% 0.~~578871~~706605% 0.~~090601~~189024% 0.~~027815~~071347% 0.~~283364~~325891% 0.~~122857~~093622% 0.~~524637~~679883% 180 Days 0.~~173661~~337942% 0.~~000000~~092166% 0.~~057887~~645161% 0.~~000000~~307220% 01.~~231548~~382488% 0.~~318283~~402386% 0.~~000000~~062042% 0.~~024615~~810601% 0.~~000000~~224515% 01.~~342898~~499544% Totals 710.~~988423~~261137% 01.~~723589~~136713% 01.~~955137~~689708% 0.~~202605~~614439% 913.~~869754~~701997% 68.~~567814~~547557% 01.~~556947~~010064% 12.~~153093~~087452% 0.~~134617~~358018% 812.~~412470~~003090% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 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 46 0 0 46 ~~177~~537,~~025~~515.1285 0.00 0.00 ~~177~~537,~~025~~515.1285 30 Days 4760 21 0 0 4961 45,~~079~~573,~~314~~061.4702 42169,~~852~~330.6895 0.00 0.00 45,~~122~~742,~~167~~391.1597 60 Days 2420 02 0 0 2422 21,~~508~~315,~~895~~563.7608 060,086.0031 0.00 0.00 21,~~508~~375,~~895~~649.7639 90 Days 1012 1 13 0 1216 1,~~043~~175,~~749~~502.6169 3154,~~160~~186.5529 ~~224~~277,~~462~~005.8768 0.00 1,~~299~~506,~~373~~694.0366 120 Days 3 0 1 2 1 57 ~~550~~799,~~230~~881.1277 0224,188.0048 11116,~~480~~173.8946 58126,~~504~~207.0908 ~~620~~1,~~215~~266,450.1079 150 Days 43 0 2 10 75 ~~374~~298,~~155~~644.1498 0.00 ~~287~~136,~~023~~056.8038 ~~139,207~~0.2300 ~~800~~434,~~386~~701.1736 180 Days 12 1 01 02 016 1 ~~374~~,~~670~~655,487.5882 0194,773.0080 092,250.00 0197,711.0032 ~~374~~2,~~670~~140,222.5894 Totals 89110 712 48 23 ~~102~~133 810,~~931~~818,~~015~~141.6836 ~~251~~1,~~038~~240,081.3568 ~~522~~621,~~967~~485.5652 ~~197~~323,~~711~~918.3240 913,~~902~~003,~~732~~626.9196 0-29 Days 0.~~384986~~627615% 0.000000% 0.000000% 0.~~384986~~627615% 0.~~123906~~411174% 0.000000% 0.000000% 0.~~123906~~411174% 30 Days 46.~~523580~~276151% 0.~~192493~~104603% 0.000000% 0.000000% 46.~~716073~~380753% 24.~~855256~~263125% 0.~~029994~~129530% 0.000000% 0.000000% 24.~~885250~~392655% 60 Days 2.~~309913~~092050% 0.~~000000~~209205% 0.000000% 0.000000% 2.~~309913~~301255% 1.~~756065~~006343% 0.~~000000~~045963% 0.000000% 0.000000% 1.~~756065~~052306% 90 Days 01.~~962464~~255230% 0.~~096246~~104603% 0.~~096246~~313808% 0.000000% 1.~~154957~~673640% 0.~~730557~~899203% 0.~~021810~~041450% 0.~~157109~~211896% 0.000000% 01.~~909477~~152549% 120 Days 0.~~288739~~313808% 0.~~000000~~104603% 0.~~096246~~209205% 0.~~096246~~104603% 0.~~481232~~732218% 0.~~385125~~611871% 0.~~000000~~171493% 0.~~008036~~088867% 0.~~040949~~096542% 0.~~434110~~968774% 150 Days 0.~~384986~~313808% 0.000000% 0.~~192493~~209205% 0.~~096246~~000000% 0.~~673725~~523013% 0.~~261884~~228449% 0.000000% 0.~~200898~~104077% 0.~~097436~~000000% 0.~~560219~~332526% 180 Days 01.~~096246~~255230% 0.~~000000~~104603% 0.~~000000~~104603% 0.~~000000~~209205% 01.~~096246~~673640% 01.~~262245~~266369% 0.~~000000~~148993% 0.~~000000~~070567% 0.~~000000~~151240% 01.~~262245~~637168% Totals 811.~~565929~~506276% 01.~~673725~~255230% 0.~~384986~~836820% 0.~~192493~~313808% 913.~~817132~~912134% 68.~~251133~~275360% 0.~~175711~~948603% 0.~~366043~~475407% 0.~~138385~~247782% 69.~~931272~~947151%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance ~~263~~344,~~516~~639.2548 Class R 59,625,100.00 13.25001575% 59,625,100.00 1516.~~25584423~~58435253% 0.000000% 0.000000% Class M-1 32,625,100.00 7.25001868% 32,625,100.00 89.~~34754899~~07446964% 67.~~908295~~509883% 0.000000% Class M-2 28,125,100.00 6.25001917% 28,125,100.00 7.~~19616646~~82282249% 1.~~151383~~251647% 0.000000% Class M-3 17,625,100.00 3.91668698% 17,625,100.00 4.~~50960720~~90231248% 2.~~686559~~920510% 0.000000% Class M-4 13,125,100.00 2.91668747% 13,125,100.00 3.~~35822466~~65066533% 1.~~151383~~251647% 0.000000% Class B-1 9,000,100.00 2.00002125% 9,000,100.00 2.~~30279066~~50332211% 1.~~055434~~147343% 0.000000% Class B-2 100.00 0.00002222% 100.00 0.~~00002559~~00002781% 2.~~302765~~503294% 0.000000% Class F 100.00 0.00002222% 100.00 0.~~00002559~~00002781% 0.000000% 0.000000% Class P 0.00 0.00000000% 0.00 0.00000000% 0.~~000026~~000028% 0.000000% Class X 0.00 0.00000000% 0.00 0.00000000% 0.000000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

COLLATERAL STATEMENT Collateral Description Mixed Fixed & Arm Weighted Average Gross Coupon 7.~~603572~~604795% Weighted Average Net Coupon 7.~~067284~~069979% Weighted Average Pass-Through Rate 7.~~029699~~033324% Weighted Average Maturity(Stepdown Calculation ) ~~275~~272 Beginning Scheduled Collateral Loan Count 4,~~585~~298 Number Of Loans Paid In Full 9187 Ending Scheduled Collateral Loan Count 4,~~494~~211 Beginning Scheduled Collateral Balance ~~401~~369,~~349~~299,~~627~~594.69 Ending Scheduled Collateral Balance ~~390~~359,~~834~~526,~~483~~245.5250 Ending Actual Collateral Balance at 3130-~~Jul~~Oct-2004 ~~391~~360,~~559~~309,~~612~~223.0768 Monthly P &I Constant 3,~~343~~094,~~170~~267.1873 Special Servicing Fee 0.00 Prepayment Penalties 2580,~~738~~577.6889 Realized Loss Amount 480,~~644~~891.1539 Cumulative Realized Loss 6200,~~330~~343.4822 Ending Scheduled Balance for Premium Loans ~~390~~359,~~834~~526,~~483~~245.5250 Scheduled Principal ~~800~~753,~~094~~894.4975 Unscheduled Principal 9,~~715~~019,~~049~~454.7044

Cap 0.00 Swap 0.00 Other Income (~~264~~29,~~554~~620.6460)

Miscellaneous Reporting Base Overcollateralization Amount 2,250,001.10 Excess Cash Amount ~~304~~504,~~951~~426.8810 Extra Principal Distribution Amount ~~157~~333,~~120~~104.0944 Overcollateralized Amount 3,~~062~~922,~~904~~321.4902 Overcollaterized Deficiency Amount 98,~~469~~785,~~121~~689.6446 Specified Overcollateralization Amount 12,375,006.04

Group Level Collateral Statement Group Group 1 Group 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 8.~~106101~~113620 6.~~743828~~723005 7.~~603572~~604795 Weighted Average Net Rate 7.~~569256~~578201 6.~~208492~~189235 7.~~067284~~069979 Weighted Average Maturity ~~256~~253 ~~307~~304 ~~275~~272 Beginning Loan Count 3,~~508~~317 ~~1,077~~981 4,~~585~~298 Loans Paid In Full 5362 3825 9187 Ending Loan Count 3,~~455~~255 ~~1,039~~956 4,~~494~~211 Beginning Scheduled Balance ~~253~~234,~~295~~172,~~808~~955.3438 ~~148~~135,~~053~~126,~~819~~639.3531 ~~401~~369,~~349~~299,~~627~~594.69 Ending scheduled Balance ~~248~~229,~~172~~020,~~863~~172.7421 ~~142~~130,~~661~~506,~~619~~073.7829 ~~390~~359,~~834~~526,~~483~~245.5250 Record Date 0710/3130/2004 0710/3130/2004 0710/3130/2004 Principal And Interest Constant 2,~~295~~134,~~614~~022.0256 1960,~~047,556~~245.1617 3,~~343~~094,~~170~~267.1873 Scheduled Principal ~~584~~550,~~579~~697.5216 ~~215~~203,~~514~~197.9759 ~~800~~753,~~094~~894.4975 Unscheduled Principal 4,~~538~~602,~~365~~086.1001 54,~~176~~417,~~684~~368.6043 9,~~715~~019,~~049~~454.7044 Scheduled Interest 1,~~711~~583,~~034~~325.5040 ~~832~~757,~~041~~047.1958 2,~~543~~340,~~075~~372.6998 Servicing Fees ~~113~~104,~~317~~483.1170 6660,~~048~~105.7245 ~~179~~164,~~365~~589.8315 Master Servicing Fees 32,~~166~~927.2021 1,~~850~~689.6710 54,~~016~~616.8731 Trustee Fee ~~1,055~~975.4075 ~~616~~563.8908 1,~~672~~538.2983 FRY Amount 0.00 0.00 0.00 Special Hazard Fee 0.00 0.00 0.00 Other Fee ~~527~~487.7086 ~~308~~281.4551 ~~836~~769.1537 Pool Insurance Fee 2,~~817~~604.9516 ~~583~~526.8472 3,~~401~~130.7988 Spread Fee 1 ~~1,305~~0.5700 ~~402~~0.8500 ~~1,708~~0.4200 Spread Fee 2 0.00 0.00 0.00 Spread Fee 3 0.00 0.00 0.00 Net Interest 1,~~588~~470,~~909~~813.3928 ~~762~~693,~~229~~689.9794 2,~~351~~164,~~139~~503.3622 Realized Loss Amount 480,~~644~~891.1539 0.00 480,~~644~~891.1539 Cumulative Realized Loss 6200,~~330~~343.4822 0.00 6200,~~330~~343.4822 Percentage of Cumulative Losses 0.~~0022~~0705 0.0000 0.~~0014~~0445 Prepayment Penalties 0.00 0.00 0.00 Special Servicing Fee 0.00 0.00 0.00 Pass-Through Rate 7.~~527528~~537060 6.~~177995~~160355 7.~~029699~~033324

Filing Compare · BAYVIEW FINANCIAL SEC CO LLC MORT PAS THR CERTS SER 2004 A