8-K 1 jpa040a4_nov.txt NOVEMBER 8K 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 26, 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 54-2157839 Pooling and Servicing Agreement) (Commission 54-2157840 (State or other File Number) IRS EIN jurisdiction 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 November 26, 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 November 26, 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: 12/2/2004 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 November 26, 2004 distribution. EX-99.1

J.P. Morgan Acceptance Corporation I Mortgage Pass-Through Certificates Record Date: 710/31/042004 Distribution Date: 811/2526/042004 JPMMT 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.~~70464~~70737% 40,~~497~~085,~~300~~829.0032 ~~158~~157,~~771~~249.1403 57510,~~752~~492.7465 1-A2 466247DY6 SEN 4.~~70464~~70737% 1,~~438~~424,~~700~~082.0016 5,~~640~~586.4840 218,~~051~~135.7167 1-A3 466247EF6 SEN 4.~~70464~~70737% 3534,~~000~~644,~~000~~384.0035 ~~137~~135,~~218~~903.7728 49441,~~913~~195.1090 1-A4 466247EG4 SEN 4.~~70464~~70737% 2,~~327~~303,~~500~~851.0056 9,~~125~~037.0557 329,~~319~~339.2253 2-A1 466247DZ3 SEN 4.~~76819~~75878% 8079,~~985~~695,~~200~~520.0086 ~~321~~316,~~793~~044.9363 ~~184~~2,~~557~~088,584.5124 2-A2 466247EH2 SEN 4.~~76819~~75878% 7573,~~000~~805,~~000~~634.0042 ~~298~~292,~~011~~687.7939 ~~170~~1,~~917~~934,227.8271 2-A3 466247EJ8 SEN 4.~~76819~~75878% 5,~~406~~320,~~700~~598.0098 21,~~483~~099.4764 12139,~~321~~437.3519 3-A1 466247EA7 SEN 4.~~38740~~38888% ~~132~~130,~~674~~895,~~600~~721.0054 ~~485~~478,~~080~~737.4495 ~~203~~2,~~623~~914,525.2672 AR 466247EB5 SEN 4.~~38740~~69918% ~~100~~0.00 0.5000 ~~100~~0.00 B1 466247EC3 SUB 4.~~61937~~61659% 6,~~180~~163,~~400~~899.0058 23,~~791~~713.2948 5,~~435~~570.9056 B2 466247EDI SUB 4.~~61937~~61659% 2,~~510~~503,~~700~~996.0094 9,~~664~~633.8726 2,~~208~~262.2696 B3 466247EE9 SUB 4.~~61937~~61659% 1,~~545~~540,~~000~~875.0016 5,~~947~~927.4499 1,~~358~~392.8955 B4 466247DU4 SUB 4.~~61937~~61659% 1,~~158~~155,~~800~~706.0024 4,~~460~~446.7718 1,~~019~~044.2146 B5 466247DV2 SUB 4.~~61937~~61659% ~~579~~577,~~400~~853.0012 2,~~230~~223.3909 ~~509~~522.6023 B6 466247DWO SUB 4.~~61937~~61659% ~~965~~963,~~920~~341.0022 3,~~718~~706.2812 ~~849~~870.5661 Totals ~~386~~381,~~270~~081,~~320~~295.0045 1,~~486~~465,~~938~~996.6101 ~~695~~8,~~938~~087,601.1398

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A1 0.00 4039,~~439~~575,~~547~~336.2667 ~~216~~667,~~523~~741.8868 0.00 1-A2 0.00 1,~~436~~405,~~648~~946.2949 723,~~692~~722.1907 0.00 1-A3 0.00 34,~~950~~203,~~086~~188.9045 ~~187~~577,~~131~~099.8718 0.00 1-A4 0.00 2,~~324~~274,~~180~~512.7803 1238,~~444~~377.2710 0.00 2-A1 0.00 8077,~~800~~606,~~642~~936.4962 ~~506~~2,~~351~~404,628.4487 0.00 2-A2 0.00 7471,~~829~~871,~~082~~406.1871 ~~468~~2,~~929~~226,915.6110 0.00 2-A3 0.00 5,~~394~~181,~~378~~161.6580 33160,~~804~~536.8283 0.00 3-A1 0.00 ~~132~~127,~~470~~981,~~976~~195.7481 ~~688~~3,~~703~~393,263.7067 0.00 AR 0.00 0.00 ~~100~~0.5000 0.00 B1 0.00 6,~~174~~158,~~964~~329.1002 29,~~227~~284.1904 0.00 B2 0.00 2,~~508~~501,~~491~~733.7498 11,~~873~~896.1322 0.00 B3 0.00 1,~~543~~539,~~641~~482.1161 7,~~306~~320.3354 0.00 B4 0.00 1,~~157~~154,~~780~~661.7978 5,~~479~~490.9864 0.00 B5 0.00 ~~578~~577,~~890~~330.4089 2,~~739~~745.9932 0.00 B6 0.00 ~~965~~962,~~070~~470.4461 4,~~567~~576.8473 0.00 Totals 0.00 ~~385~~372,~~574~~993,~~381~~693.8747 29,~~182~~553,~~876~~597.7499 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 40,~~497~~085,~~300~~829.0032 49,~~412~~832.7451 8460,~~340~~660.0014 0.00 0.00 1-A2 1,438,700.00 1,~~438~~424,~~700~~082.0016 1,~~755~~770.4334 ~~296~~16,365.2933 0.00 0.00 1-A3 35,000,000.00 3534,~~000~~644,~~000~~384.0035 4243,~~705~~068.2200 7398,~~207~~127.8890 0.00 0.00 1-A4 2,327,500.00 2,~~327~~303,~~500~~851.0056 2,~~839~~864.9002 ~~479~~26,475.3251 0.00 0.00 2-A1 80,985,200.00 8079,~~985~~695,~~200~~520.0086 2931,~~382~~105.0581 ~~155~~2,~~175~~057,478.4643 0.00 0.00 2-A2 75,000,000.00 7573,~~000~~805,~~000~~634.0042 2728,~~210~~806.5894 ~~143~~1,~~707~~905,420.2477 0.00 0.00 2-A3 5,406,700.00 5,~~406~~320,~~700~~598.0098 12,~~961~~076.5967 10137,~~359~~360.7651 0.00 0.00 3-A1 132,674,600.00 ~~132~~130,~~674~~895,~~600~~721.0054 173,~~003~~727.9519 302,~~619~~740,798.3153 0.00 0.00 AR 100.00 ~~100~~0.00 840.9600 150.0400 0.00 0.00 B1 6,180,400.00 6,~~180~~163,~~400~~899.0058 5,~~435~~570.9056 0.00 0.00 0.00 B2 2,510,700.00 2,~~510~~503,~~700~~996.0094 2,~~208~~262.2696 0.00 0.00 0.00 B3 1,545,000.00 1,~~545~~540,~~000~~875.0016 1,~~358~~392.8955 0.00 0.00 0.00 B4 1,158,800.00 1,~~158~~155,~~800~~706.0024 1,~~019~~044.2146 0.00 0.00 0.00 B5 579,400.00 ~~579~~577,~~400~~853.0012 ~~509~~522.6023 0.00 0.00 0.00 B6 965,920.00 ~~965~~963,~~920~~341.0022 ~~849~~870.5661 0.00 0.00 0.00 Totals 386,270,320.00 ~~386~~381,~~270~~081,~~320~~295.0045 ~~339~~344,~~737~~914.8485 ~~356~~7,~~200~~742,687.3012 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 57510,~~752~~492.7465 4039,~~439~~575,~~547~~336.2667 0.~~99857391~~97723396 57510,~~752~~492.7465 1-A2 218,~~051~~135.7167 1,~~436~~405,~~648~~946.2949 0.~~99857391~~97723395 218,~~051~~135.7167 1-A3 49441,~~913~~195.1090 34,~~950~~203,~~086~~188.9045 0.~~99857391~~97723396 49441,~~913~~195.1090 1-A4 329,~~319~~339.2253 2,~~324~~274,~~180~~512.7803 0.~~99857391~~97723395 329,~~319~~339.2253 2-A1 ~~184~~2,~~557~~088,584.5124 8077,~~800~~606,~~642~~936.4962 0.~~99772110~~95828542 ~~184~~2,~~557~~088,584.5124 2-A2 ~~170~~1,~~917~~934,227.8271 7471,~~829~~871,~~082~~406.1871 0.~~99772110~~95828542 ~~170~~1,~~917~~934,227.8271 2-A3 12139,~~321~~437.3519 5,~~394~~181,~~378~~161.6580 0.~~99772110~~95828542 12139,~~321~~437.3519 3-A1 ~~203~~2,~~623~~914,525.2672 ~~132~~127,~~470~~981,~~976~~195.7481 0.~~99846524~~96462470 ~~203~~2,~~623~~914,525.2672 AR ~~100~~0.00 0.00 0.00000000 ~~100~~0.00 B1 5,~~435~~570.9056 6,~~174~~158,~~964~~329.1002 0.~~99912046~~99642888 5,~~435~~570.9056 B2 2,~~208~~262.2696 2,~~508~~501,~~491~~733.7498 0.~~99912046~~99642888 2,~~208~~262.2696 B3 1,~~358~~392.8955 1,~~543~~539,~~641~~482.1161 0.~~99912046~~99642887 1,~~358~~392.8955 B4 1,~~019~~044.2146 1,~~157~~154,~~780~~661.7978 0.~~99912046~~99642887 1,~~019~~044.2146 B5 ~~509~~522.6023 ~~578~~577,~~890~~330.4089 0.~~99912047~~99642887 ~~509~~522.6023 B6 ~~849~~870.5661 ~~965~~962,~~070~~470.4461 0.~~99912047~~99642891 ~~849~~870.5661 Totals ~~695~~8,~~938~~087,601.1398 ~~385~~372,~~574~~993,~~381~~693.8747 0.~~99819831~~96562867 ~~695~~8,~~938~~087,601.1398

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 ~~1000~~989.~~00000000~~83955276 1.~~22014900~~23051438 011.~~20593966~~37508278 0.00000000 1-A2 1,438,700.00 ~~1000~~989.~~00000000~~83954959 1.~~22015014~~23051366 011.~~20594287~~37508167 0.00000000 1-A3 35,000,000.00 ~~1000~~989.~~00000000~~83955286 1.~~22014914~~23051429 011.~~20593943~~37508286 0.00000000 1-A4 2,327,500.00 ~~1000~~989.~~00000000~~83955317 1.~~22015038~~23051343 011.~~20593770~~37508485 0.00000000 2-A1 80,985,200.00 ~~1000~~984.~~00000000~~07512558 0.~~36280765~~38409253 125.~~91609652~~40561028 0.00000000 2-A2 75,000,000.00 ~~1000~~984.~~00000000~~07512560 0.~~36280773~~38409253 125.~~91609653~~40561027 0.00000000 2-A3 5,406,700.00 ~~1000~~984.~~00000000~~07512531 0.~~36280726~~38409196 125.~~91609669~~40560971 0.00000000 3-A1 132,674,600.00 ~~1000~~986.~~00000000~~59217017 1.~~30397190~~30942313 020.~~23078502~~65805007 0.00000000 AR 100.00 ~~1000~~0.00000000 ~~849~~0.~~60000000~~00000000 ~~150~~0.~~40000000~~00000000 0.00000000 B1 6,180,400.00 ~~1000~~997.~~00000000~~33020193 0.~~87953854~~90132677 0.00000000 0.00000000 B2 2,510,700.00 ~~1000~~997.~~00000000~~33020273 0.~~87953957~~90132632 0.00000000 0.00000000 B3 1,545,000.00 ~~1000~~997.~~00000000~~33020065 0.~~87954045~~90132686 0.00000000 0.00000000 B4 1,158,800.00 ~~1000~~997.~~00000000~~33020366 0.~~87953918~~90132896 0.00000000 0.00000000 B5 579,400.00 ~~1000~~997.~~00000000~~33020366 0.~~87953055~~90132896 0.00000000 0.00000000 B6 965,920.00 ~~1000~~997.~~00000000~~33023439 0.~~87953454~~90132723 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 112.~~42608865~~60559716 ~~998~~977.~~57391135~~23395560 0.~~99857391~~97723396 112.~~42608865~~60559716 1-A2 0.00000000 112.~~42608605~~60559533 ~~998~~977.~~57391395~~23395426 0.~~99857391~~97723395 112.~~42608605~~60559533 1-A3 0.00000000 112.~~42608857~~60559714 ~~998~~977.~~57391143~~23395571 0.~~99857391~~97723396 112.~~42608857~~60559714 1-A4 0.00000000 112.~~42608808~~60559828 ~~998~~977.~~57391192~~23395489 0.~~99857391~~97723395 112.~~42608808~~60559828 2-A1 0.00000000 225.~~27890417~~78970281 ~~997~~958.~~72109583~~28542277 0.~~99772110~~95828542 225.~~27890417~~78970281 2-A2 0.00000000 225.~~27890427~~78970280 ~~997~~958.~~72109573~~28542280 0.~~99772110~~95828542 225.~~27890427~~78970280 2-A3 0.00000000 225.~~27890395~~78970352 ~~997~~958.~~72109605~~28542364 0.~~99772110~~95828542 225.~~27890395~~78970352 3-A1 0.00000000 121.~~53475692~~96747320 ~~998~~964.~~46524308~~62469689 0.~~99846524~~96462470 121.~~53475692~~96747320 AR 0.00000000 ~~1,000~~0.00000000 0.00000000 0.00000000 ~~1,000~~0.00000000 B1 0.00000000 0.~~87953854~~90132677 ~~999~~996.~~12046146~~42887515 0.~~99912046~~99642888 0.~~87953854~~90132677 B2 0.00000000 0.~~87953957~~90132632 ~~999~~996.~~12046043~~42887641 0.~~99912046~~99642888 0.~~87953957~~90132632 B3 0.00000000 0.~~87954045~~90132686 ~~999~~996.~~12045955~~42887379 0.~~99912046~~99642887 0.~~87954045~~90132686 B4 0.00000000 0.~~87953918~~90132896 ~~999~~996.~~12046082~~42887470 0.~~99912046~~99642887 0.~~87953918~~90132896 B5 0.00000000 0.~~87953055~~90132896 ~~999~~996.~~12046945~~42887470 0.~~99912047~~99642887 0.~~87953055~~90132896 B6 0.00000000 0.~~87953454~~90132723 ~~999~~996.~~12046546~~42890716 0.~~99912047~~99642891 0.~~87953454~~90132723 (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.~~70464~~70737% 40,~~497~~085,~~300~~829.0032 ~~158~~157,~~771~~249.1403 0.00 0.00 1-A2 1,438,700.00 4.~~70464~~70737% 1,~~438~~424,~~700~~082.0016 5,~~640~~586.4840 0.00 0.00 1-A3 35,000,000.00 4.~~70464~~70737% 3534,~~000~~644,~~000~~384.0035 ~~137~~135,~~218~~903.7728 0.00 0.00 1-A4 2,327,500.00 4.~~70464~~70737% 2,~~327~~303,~~500~~851.0056 9,~~125~~037.0557 0.00 0.00 2-A1 80,985,200.00 4.~~76819~~75878% 8079,~~985~~695,~~200~~520.0086 ~~321~~316,~~793~~044.9363 0.00 0.00 2-A2 75,000,000.00 4.~~76819~~75878% 7573,~~000~~805,~~000~~634.0042 ~~298~~292,~~011~~687.7939 0.00 0.00 2-A3 5,406,700.00 4.~~76819~~75878% 5,~~406~~320,~~700~~598.0098 21,~~483~~099.4764 0.00 0.00 3-A1 132,674,600.00 4.~~38740~~38888% ~~132~~130,~~674~~895,~~600~~721.0054 ~~485~~478,~~080~~737.4495 0.00 0.00 AR 100.00 4.~~38740~~69918% ~~100~~0.00 0.3900 0.00 0.00 B1 6,180,400.00 4.~~61937~~61659% 6,~~180~~163,~~400~~899.0058 23,~~791~~713.2948 0.00 0.00 B2 2,510,700.00 4.~~61937~~61659% 2,~~510~~503,~~700~~996.0094 9,~~664~~633.8726 0.00 0.00 B3 1,545,000.00 4.~~61937~~61659% 1,~~545~~540,~~000~~875.0016 5,~~947~~927.4499 0.00 0.00 B4 1,158,800.00 4.~~61937~~61659% 1,~~158~~155,~~800~~706.0024 4,~~460~~446.7718 0.00 0.00 B5 579,400.00 4.~~61937~~61659% ~~579~~577,~~400~~853.0012 2,~~230~~223.3909 0.00 0.00 B6 965,920.00 4.~~61937~~61659% ~~965~~963,~~920~~341.0022 3,~~718~~706.2812 0.00 0.00 Totals 386,270,320.00 1,~~486~~465,~~938~~996.5001 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 ~~158~~157,~~771~~249.1403 0.00 4039,~~439~~575,~~547~~336.2667 1-A2 0.00 0.00 5,~~640~~586.4840 0.00 1,~~436~~405,~~648~~946.2949 1-A3 0.00 0.00 ~~137~~135,~~218~~903.7728 0.00 34,~~950~~203,~~086~~188.9045 1-A4 0.00 0.00 9,~~125~~037.0557 0.00 2,~~324~~274,~~180~~512.7803 2-A1 0.00 0.00 ~~321~~316,~~793~~044.9363 0.00 8077,~~800~~606,~~642~~936.4962 2-A2 0.00 0.00 ~~298~~292,~~011~~687.7939 0.00 7471,~~829~~871,~~082~~406.1871 2-A3 0.00 0.00 21,~~483~~099.4764 0.00 5,~~394~~181,~~378~~161.6580 3-A1 0.00 0.00 ~~485~~478,~~080~~737.4495 0.00 ~~132~~127,~~470~~981,~~976~~195.7481 AR 0.00 0.00 0.5000 0.00 0.00 B1 0.00 0.00 23,~~791~~713.2948 0.00 6,~~174~~158,~~964~~329.1002 B2 0.00 0.00 9,~~664~~633.8726 0.00 2,~~508~~501,~~491~~733.7498 B3 0.00 0.00 5,~~947~~927.4499 0.00 1,~~543~~539,~~641~~482.1161 B4 0.00 0.00 4,~~460~~446.7718 0.00 1,~~157~~154,~~780~~661.7978 B5 0.00 0.00 2,~~230~~223.3909 0.00 ~~578~~577,~~890~~330.4089 B6 0.00 0.00 3,~~718~~706.2812 0.00 ~~965~~962,~~070~~470.4461 Totals 0.00 0.00 1,~~486~~465,~~938~~996.6101 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.~~70464~~70737% ~~1000~~989.~~00000000~~83955276 3.~~92053643~~88295096 0.00000000 0.00000000 1-A2 1,438,700.00 4.~~70464~~70737% ~~1000~~989.~~00000000~~83954959 3.~~92053938~~88294989 0.00000000 0.00000000 1-A3 35,000,000.00 4.~~70464~~70737% ~~1000~~989.~~00000000~~83955286 3.~~92053629~~88295086 0.00000000 0.00000000 1-A4 2,327,500.00 4.~~70464~~70737% ~~1000~~989.~~00000000~~83955317 3.~~92053706~~88295166 0.00000000 0.00000000 2-A1 80,985,200.00 4.~~76819~~75878% ~~1000~~984.~~00000000~~07512558 3.~~97349059~~90249860 0.00000000 0.00000000 2-A2 75,000,000.00 4.~~76819~~75878% ~~1000~~984.~~00000000~~07512560 3.~~97349053~~90249853 0.00000000 0.00000000 2-A3 5,406,700.00 4.~~76819~~75878% ~~1000~~984.~~00000000~~07512531 3.~~97349030~~90249875 0.00000000 0.00000000 3-A1 132,674,600.00 4.~~38740~~38888% ~~1000~~986.~~00000000~~59217017 3.~~65616659~~60836174 0.00000000 0.00000000 AR 100.00 4.~~38740~~69918% ~~1000~~0.00000000 30.~~90000000~~00000000 0.00000000 0.00000000 B1 6,180,400.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33020193 3.~~84947414~~83688434 0.00000000 0.00000000 B2 2,510,700.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33020273 3.~~84947226~~83688214 0.00000000 0.00000000 B3 1,545,000.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33020065 3.~~84947573~~83688673 0.00000000 0.00000000 B4 1,158,800.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33020366 3.~~84947359~~83688298 0.00000000 0.00000000 B5 579,400.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33020366 3.~~84948222~~83688298 0.00000000 0.00000000 B6 965,920.00 4.~~61937~~61659% ~~1000~~997.~~00000000~~33023439 3.~~84946994~~83688090 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.~~92053643~~88295096 0.00000000 ~~998~~977.~~57391135~~23395560 1-A2 0.00000000 0.00000000 3.~~92053938~~88294989 0.00000000 ~~998~~977.~~57391395~~23395426 1-A3 0.00000000 0.00000000 3.~~92053629~~88295086 0.00000000 ~~998~~977.~~57391143~~23395571 1-A4 0.00000000 0.00000000 3.~~92053706~~88295166 0.00000000 ~~998~~977.~~57391192~~23395489 2-A1 0.00000000 0.00000000 3.~~97349059~~90249860 0.00000000 ~~997~~958.~~72109583~~28542277 2-A2 0.00000000 0.00000000 3.~~97349053~~90249853 0.00000000 ~~997~~958.~~72109573~~28542280 2-A3 0.00000000 0.00000000 3.~~97349030~~90249875 0.00000000 ~~997~~958.~~72109605~~28542364 3-A1 0.00000000 0.00000000 3.~~65616659~~60836174 0.00000000 ~~998~~964.~~46524308~~62469689 AR 0.00000000 0.00000000 50.00000000 0.00000000 0.00000000 B1 0.00000000 0.00000000 3.~~84947414~~83688434 0.00000000 ~~999~~996.~~12046146~~42887515 B2 0.00000000 0.00000000 3.~~84947226~~83688214 0.00000000 ~~999~~996.~~12046043~~42887641 B3 0.00000000 0.00000000 3.~~84947573~~83688673 0.00000000 ~~999~~996.~~12045955~~42887379 B4 0.00000000 0.00000000 3.~~84947359~~83688298 0.00000000 ~~999~~996.~~12046082~~42887470 B5 0.00000000 0.00000000 3.~~84948222~~83688298 0.00000000 ~~999~~996.~~12046945~~42887470 B6 0.00000000 0.00000000 3.~~84946994~~83688090 0.00000000 ~~999~~996.~~12046546~~42890716 (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 29,~~274~~624,~~655~~755.3174 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 020,161.0021 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 29,~~274~~644,~~655~~916.3195 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee 91,~~778~~318.5796 Payment of Interest and Principal 29,~~182~~553,~~876~~597.7499 Total Withdrawals (Pool Distribution Amount) 29,~~274~~644,~~655~~916.3195 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee 8988,~~364~~937.3820 Wells Fargo Bank N.A. 2,~~414~~381.1976 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee 91,~~778~~318.5796

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 09 0 0 0 09 03,519,396.0009 0.00 0.00 0.00 03,519,396.0009 60 Days 01 0 0 0 01 0295,319.0045 0.00 0.00 0.00 0295,319.0045 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 010 0 0 0 010 03,814,715.0054 0.00 0.00 0.00 03,814,715.0054 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.~~000000~~946372% 0.000000% 0.000000% 0.000000% 0.~~000000~~946372% 0.~~000000~~942976% 0.000000% 0.000000% 0.000000% 0.~~000000~~942976% 60 Days 0.~~000000~~105152% 0.000000% 0.000000% 0.000000% 0.~~000000~~105152% 0.~~000000~~079127% 0.000000% 0.000000% 0.000000% 0.~~000000~~079127% 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.~~000000~~051525% 0.000000% 0.000000% 0.000000% 01.~~000000~~051525% 01.~~000000~~022103% 0.000000% 0.000000% 0.000000% 01.~~000000~~022103%

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 03 0 0 0 03 01,789,283.0029 0.00 0.00 0.00 01,789,283.0029 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 03 0 0 0 03 01,789,283.0029 0.00 0.00 0.00 01,789,283.0029 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 01.~~000000~~818182% 0.000000% 0.000000% 0.000000% 01.~~000000~~818182% 02.~~000000~~229493% 0.000000% 0.000000% 0.000000% 02.~~000000~~229493% 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.~~000000~~818182% 0.000000% 0.000000% 0.000000% 01.~~000000~~818182% 02.~~000000~~229493% 0.000000% 0.000000% 0.000000% 02.~~000000~~229493% 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 02 0 0 0 02 0937,615.0046 0.00 0.00 0.00 0937,615.0046 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 02 0 0 0 02 0937,615.0046 0.00 0.00 0.00 0937,615.0046 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~000000~~619195% 0.000000% 0.000000% 0.000000% 0.~~000000~~619195% 0.~~000000~~584945% 0.000000% 0.000000% 0.000000% 0.~~000000~~584945% 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~~619195% 0.000000% 0.000000% 0.000000% 0.~~000000~~619195% 0.~~000000~~584945% 0.000000% 0.000000% 0.000000% 0.~~000000~~584945% 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 04 0 0 0 04 0792,497.0034 0.00 0.00 0.00 0792,497.0034 60 Days 01 0 0 0 01 0295,319.0045 0.00 0.00 0.00 0295,319.0045 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 05 0 0 0 05 01,087,816.0079 0.00 0.00 0.00 01,087,816.0079 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~000000~~863931% 0.000000% 0.000000% 0.000000% 0.~~000000~~863931% 0.~~000000~~597320% 0.000000% 0.000000% 0.000000% 0.~~000000~~597320% 60 Days 0.~~000000~~215983% 0.000000% 0.000000% 0.000000% 0.~~000000~~215983% 0.~~000000~~222588% 0.000000% 0.000000% 0.000000% 0.~~000000~~222588% 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.~~000000~~079914% 0.000000% 0.000000% 0.000000% 01.~~000000~~079914% 0.~~000000~~819907% 0.000000% 0.000000% 0.000000% 0.~~000000~~819907%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 020,161.0021

SUBORDINATION LEVEL/CLASS PERCENTAGE AND PREPAYMENT PERCENTAGE Current Original $ Original % Current $ Current % Class% Prepayment% Class A 386,270,220.00 99.99997411% ~~385~~372,~~574~~993,~~381~~693.8747 99.99999987% 96.~~646863~~543103% 0.000000% Class 1-A-1 345,772,920.00 89.51578780% ~~345~~333,~~134~~418,~~834~~356.6180 89.~~51186863~~38981066% 10.~~488131~~610189% ~~312~~306.~~785615~~928101% Class 1-A-2 344,334,220.00 89.14332843% ~~343~~332,~~698~~012,~~186~~410.3231 89.~~13926911~~01287493% 0.~~372600~~376936% 1110.~~111967~~903874% Class 1-A-3 309,334,220.00 80.08231645% ~~308~~297,~~748~~809,~~099~~221.4286 8079.~~07484769~~84296428% 9.~~064421~~169911% ~~270~~265.~~326578~~264192% Class 1-A-4 307,006,720.00 79.47975915% ~~306~~295,~~423~~534,~~918~~709.6483 79.~~47206367~~23316523% 0.~~602784~~609799% 17.~~976717~~640069% Class 2-A-1 226,021,520.00 58.51382006% ~~225~~217,~~623~~927,~~276~~773.1521 58.~~51614798~~42666424% 20.~~955916~~806501% ~~624~~601.~~964431~~883691% Class 2-A-2 151,021,520.00 39.09736580% ~~150~~146,~~794~~056,~~193~~366.9750 39.~~10897634~~15786483% 19.~~407172~~268799% ~~578~~557.~~776521~~401560% Class 2-A-3 145,614,820.00 37.69764656% ~~145~~140,~~399~~875,~~815~~204.3270 37.~~70992627~~76878992% 1.~~399050~~389075% 4140.~~723614~~182707% Class 3-A-1 12,940,220.00 3.35004253% 12,~~928~~894,~~838~~008.5889 3.~~35313734~~45689729% 34.~~356789~~311893% ~~1,024~~992.~~616217~~563266% Class B-1 6,759,820.00 1.75002314% 6,~~753~~735,~~874~~679.4887 1.~~75163984~~80584283% 1.~~601498~~651054% 47.761166% Class B-2 4,249,120.00 1.10003792% 4,~~245~~233,~~382~~945.7489 1.~~10105415~~13512533% 0.~~650586~~670718% 19.402298% Class B-3 2,704,120.00 0.70005896% 2,~~701~~694,~~741~~463.6328 0.~~70070569~~72238843% 0.~~400348~~412737% 11.939519% Class B-4 1,545,320.00 0.40006180% 1,~~543~~539,~~960~~801.8450 0.~~40043139~~41282239% 0.~~300274~~309566% 8.955025% Class B-5 965,920.00 0.25006322% ~~965~~962,~~070~~470.4461 0.~~25029423~~25803938% 0.~~150137~~154783% 4.477513% Class B-6 0.00 0.00000000% 0.00 0.00000000% 0.~~250294~~258039% 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.~~02758223~~02851255% Fraud 3,862,703.00 0.99999995% 3,862,703.00 1.~~00180489~~03559472% Special Hazard 4,394,834.00 1.13776124% 4,~~394~~373,~~834~~949.0056 1.~~13981483~~17266046% Limit of Subordinate's Exposure to Certain Types of Losses

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 4.~~857929~~903883% Weighted Average Net Coupon 4.~~580307~~623826% Weighted Average Pass-Through Rate 4.~~572807~~616326% Weighted Average Maturity(Stepdown Calculation ) ~~359~~356 Beginning Scheduled Collateral Loan Count ~~976~~966 Number Of Loans Paid In Full 015 Ending Scheduled Collateral Loan Count ~~976~~951 Beginning Scheduled Collateral Balance ~~386~~381,~~270~~081,~~320~~295.0094 Ending Scheduled Collateral Balance ~~385~~372,~~574~~993,~~382~~693.3797 Ending Actual Collateral Balance at 31-~~Jul~~Oct-2004 ~~385~~373,~~814~~222,~~232~~108.8468 Monthly P &I Constant 1,~~903~~902,~~466~~229.0695 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Class A Optimal Amount 29,~~121~~492,~~682~~284.1749 Scheduled Principal ~~339~~344,~~737~~914.8486 Unscheduled Principal ~~356~~7,~~200~~742,687.3011

Group Level Collateral Statement Group 1 2 3 Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 4.~~962144~~964869 45.~~981871~~085951 4.~~644900~~646381 Weighted Average Net Rate 4.~~712144~~714869 4.~~667975~~766282 4.~~394900~~396381 Weighted Average Maturity ~~359~~356 ~~359~~356 ~~358~~355 Beginning Loan Count ~~168~~167 ~~334~~329 ~~474~~470 Loans Paid In Full 02 06 07 Ending Loan Count ~~168~~165 ~~334~~323 ~~474~~463 Beginning Scheduled Balance 8281,~~010~~195,~~957~~495.0089 ~~166~~164,~~985~~409,~~930~~425.0059 ~~137~~135,~~273~~476,~~434~~374.0046 Ending scheduled Balance 8180,~~894~~192,~~567~~929.7622 ~~166~~160,~~616~~244,~~103~~995.3054 ~~137~~132,~~063~~555,~~711~~769.3121 Record Date 0710/31/2004 0710/31/2004 0710/31/2004 Principal And Interest Constant ~~439~~436,~~190~~875.7431 ~~753~~760,~~835~~985.7158 ~~710~~704,~~439~~369.6106 Scheduled Principal 100,~~065~~937.5980 6064,~~583~~170.7834 179,~~088~~806.4772 Unscheduled Principal 16901,~~323~~628.4987 ~~309~~4,~~242~~100,259.4671 302,~~634~~740,798.3553 Scheduled Interest ~~339~~335,~~125~~937.1551 ~~693~~696,~~251~~815.9324 ~~531~~524,~~351~~562.1434 Servicing Fees 1716,~~085~~915.6273 43,~~680~~797.1323 28,~~598~~224.6324 Master Servicing Fees ~~512~~507.5747 1,~~043~~027.6656 ~~857~~846.9673 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 ~~321~~318,~~526~~514.9631 ~~648~~651,~~528~~990.1445 ~~501~~495,~~894~~491.5537 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.~~704644~~707369 4.~~660475~~758782 4.~~387400~~388881

Group Level Collateral Statement Group Total Collateral Description Mixed ARM Weighted Average Coupon Rate 4.~~857929~~903883 Weighted Average Net Rate 4.~~580307~~623826 Weighted Average Maturity ~~359~~356 Beginning Loan Count ~~976~~966 Loans Paid In Full 015 Ending Loan Count ~~976~~951 Beginning Scheduled Balance ~~386~~381,~~270~~081,~~321~~295.0094 Ending scheduled Balance ~~385~~372,~~574~~993,~~382~~693.3797 Record Date 0710/31/2004 Principal And Interest Constant 1,~~903~~902,~~466~~229.0695 Scheduled Principal ~~339~~344,~~737~~914.8486 Unscheduled Principal ~~356~~7,~~200~~742,687.3011 Scheduled Interest 1,~~563~~557,~~728~~315.2209 Servicing Fees 8988,~~364~~937.3820 Master Servicing Fees 2,~~414~~381.1976 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,~~471~~465,~~949~~996.6513 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.~~572807~~616326

Miscellaneous Reporting Group 1 Senior Percentage 96.~~649891~~628694% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~350109~~371306% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0 Group 2 Senior Percentage 96.~~649999~~601368% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~350001~~398632% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0 Group 3 Senior Percentage 96.~~649946~~618855% Senior Prepayment Percentage 100.000000% Subordinate Percentage 3.~~350054~~381145% Subordinate Prepayment Percentage 0.000000% Interest Transfer 0 Prinicpal Transfer 0

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