8-K 1 imh04006_dec.txt DECEMBER 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D. C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 27, 2004 IMPAC CMB TRUST SERIES 2004-6 Collateralized Asset-Backed Bonds, Series 2004-6 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-113187-04 Pooling and Servicing Agreement) (Commission 54-6637668 (State or other File Number) 54-6637669 jurisdiction 54-6637670 of Incorporation) 54-6637671 54-6637672 54-6637673 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 December 27, 2004 a distribution was made to holders of IMPAC CMB TRUST SERIES 2004-6, Collateralized Asset-Backed Bonds, Series 2004-6 Trust. ITEM 9.01 Financial Statements and Exhibits (c) Exhibits Exhibit Number Description EX-99.1 Monthly report distributed to holders of Collateralized Asset-Backed Bonds, Series 2004-6 Trust, relating to the December 27, 2004 distribution. Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. IMPAC CMB TRUST SERIES 2004-6 Collateralized Asset-Backed Bonds, Series 2004-6 Trust (Registrant) By: Wells Fargo Bank, N.A. as Indenture Trustee By: /s/ Beth Belfield as Assistant Vice President By: Beth Belfield as Assistant Vice President Date: 12/27/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Collateralized Asset-Backed Bonds, Series 2004-6 Trust, relating to the December 27, 2004 distribution. EX-99.1

Impac Assets Corp. Collateralized Asset-Backed Bonds Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~IMH~~Impac Assets Corp. Collateralized Asset-Backed Bonds Series: 2004-6 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-A-1 45254NJV0 SEN 2.~~33250~~58000% ~~197~~193,~~331~~809,~~960~~523.4424 ~~409~~430,~~134~~580.8003 34,~~522~~363,~~437~~129.2047 1-A-2 45254NKD8 SEN 2.~~32250~~57000% 1,~~316~~293,~~829~~324,~~862~~038.8702 2,~~718~~862,~~521~~197.2007 2329,~~505~~115,~~824~~907.8590 1-A-3 45254NKE6 SEN 2.~~42250~~67000% ~~146~~143,~~314~~702,~~429~~670.2189 ~~315~~330,~~063~~396.6429 23,~~611~~235,~~758~~100.3288 2-A 45254NJW8 SEN 5.56000% ~~169~~168,~~955~~407,~~435~~723.8960 ~~787~~780,~~460~~289.0701 12,~~547~~013,~~712~~933.2934 M-1 45254NJX6 MEZ 2.~~48250~~73000% 4241,~~444~~721,~~792~~598.7797 9398,~~661~~080.4850 ~~723~~898,~~193~~042.8024 M-2 45254NJY4 MEZ 2.~~53250~~78000% 6867,~~972~~797,~~788~~598.2633 ~~155~~162,~~265~~299.3687 1,~~175~~459,~~189~~318.9364 M-3 45254NJZ1 MEZ 2.~~63250~~88000% 4746,~~750~~936,~~391~~798.8784 ~~111~~116,~~735~~403.8823 ~~813~~1,~~593~~010,297.0352 M-4 45254NKA4 MEZ 3.~~08250~~33000% 4746,~~750~~936,~~391~~798.8784 ~~130~~134,~~836~~591.0424 ~~813~~1,~~593~~010,297.0352 M-5 45254NKB2 MEZ 3.~~23250~~48000% 5352,~~055~~151,~~990~~998.9772 ~~152~~156,~~447~~282.5112 ~~903~~1,~~992~~122,552.2580 M-6 45254NKC0 MEZ 3.~~48250~~73000% 31,~~833~~291,~~594~~199.5823 98100,~~542~~505.6457 ~~542~~673,~~395~~531.3568 CERTS IMH04006C SUB 0.00000% 0.00 2,~~432~~352,~~411~~497.6609 0.00 Totals 2,~~122~~086,~~239~~079,~~638~~948.7368 7,~~405~~524,~~080~~122.2802 3644,~~159~~902,~~690~~111.0599

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses 1-A-1 0.00 ~~193~~189,~~809~~446,~~523~~393.2477 34,~~931~~793,~~572~~709.0050 0.00 1-A-2 0.00 1,~~293~~264,~~324~~208,~~038~~130.0213 2631,~~224~~978,~~346~~104.0597 0.00 1-A-3 0.00 ~~143~~140,~~702~~467,~~670~~570.8901 23,~~926~~565,~~821~~497.9617 0.00 2-A 0.00 ~~168~~166,~~407~~393,~~723~~790.6026 2,~~335~~794,~~172~~222.3635 0.00 M-1 0.00 4140,~~721~~823,~~598~~556.9773 ~~816~~996,~~855~~122.2874 0.00 M-2 0.00 6766,~~797~~338,~~598~~279.3369 1,~~330~~621,~~455~~618.2951 0.00 M-3 0.00 4645,~~936~~926,~~798~~501.8432 ~~925~~1,~~328~~126,700.9175 0.00 M-4 0.00 4645,~~936~~926,~~798~~501.8432 ~~944~~1,~~429~~144,888.0776 0.00 M-5 0.00 5251,~~151~~029,~~998~~445.7292 1,~~056~~278,~~439~~834.7692 0.00 M-6 0.00 3130,~~291~~617,~~199~~667.2355 ~~640~~774,~~937~~037.9925 0.00 CERTS 0.00 0.00 2,~~432~~352,~~411~~497.6609 0.00 Totals 0.00 2,~~086~~041,~~079~~177,~~948~~836.6870 4352,~~564~~426,~~770~~234.3301 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-A-1 205,000,000.00 ~~197~~193,~~331~~809,~~960~~523.4424 0.00 0.00 0.00 0.00 1-A-2 1,368,000,000.00 1,~~316~~293,~~829~~324,~~862~~038.8702 0.00 0.00 0.00 0.00 1-A-3 152,000,000.00 ~~146~~143,~~314~~702,~~429~~670.2189 0.00 0.00 0.00 0.00 2-A 172,500,000.00 ~~169~~168,~~955~~407,~~435~~723.8960 0.00 12,~~547~~013,~~712~~933.2934 0.00 0.00 M-1 44,000,000.00 4241,~~444~~721,~~792~~598.7797 0.00 ~~723~~898,~~193~~042.8024 0.00 0.00 M-2 71,500,000.00 6867,~~972~~797,~~788~~598.2633 0.00 1,~~175~~459,~~189~~318.9364 0.00 0.00 M-3 49,500,000.00 4746,~~750~~936,~~391~~798.8784 0.00 ~~813~~1,~~593~~010,297.0352 0.00 0.00 M-4 49,500,000.00 4746,~~750~~936,~~391~~798.8784 0.00 ~~813~~1,~~593~~010,297.0352 0.00 0.00 M-5 55,000,000.00 5352,~~055~~151,~~990~~998.9772 0.00 ~~903~~1,~~992~~122,552.2580 0.00 0.00 M-6 33,000,000.00 31,~~833~~291,~~594~~199.5823 0.00 ~~542~~673,~~395~~531.3568 0.00 0.00 CERTS 0.00 0.00 0.00 0.00 0.00 0.00 Totals 2,200,000,000.00 2,~~122~~086,~~239~~079,~~638~~948.7368 0.00 68,~~519~~187,~~669~~973.6874 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-A-1 34,~~522~~363,~~437~~129.2047 ~~193~~189,~~809~~446,~~523~~393.2477 0.~~94541231~~92412875 34,~~522~~363,~~437~~129.2047 1-A-2 2329,~~505~~115,~~824~~907.8590 1,~~293~~264,~~324~~208,~~038~~130.0213 0.~~94541231~~92412875 2329,~~505~~115,~~824~~907.8590 1-A-3 23,~~611~~235,~~758~~100.3288 ~~143~~140,~~702~~467,~~670~~570.8901 0.~~94541231~~92412875 23,~~611~~235,~~758~~100.3288 2-A 12,~~547~~013,~~712~~933.2934 ~~168~~166,~~407~~393,~~723~~790.6026 0.~~97627666~~96460168 12,~~547~~013,~~712~~933.2934 M-1 ~~723~~898,~~193~~042.8024 4140,~~721~~823,~~598~~556.9773 0.~~94821816~~92780811 ~~723~~898,~~193~~042.8024 M-2 1,~~175~~459,~~189~~318.9364 6766,~~797~~338,~~598~~279.3369 0.~~94821816~~92780811 1,~~175~~459,~~189~~318.9364 M-3 ~~813~~1,~~593~~010,297.0352 4645,~~936~~926,~~798~~501.8432 0.~~94821816~~92780811 ~~813~~1,~~593~~010,297.0352 M-4 ~~813~~1,~~593~~010,297.0352 4645,~~936~~926,~~798~~501.8432 0.~~94821816~~92780811 ~~813~~1,~~593~~010,297.0352 M-5 ~~903~~1,~~992~~122,552.2580 5251,~~151~~029,~~998~~445.7292 0.~~94821816~~92780811 ~~903~~1,~~992~~122,552.2580 M-6 ~~542~~673,~~395~~531.3568 3130,~~291~~617,~~199~~667.2355 0.~~94821816~~92780811 ~~542~~673,~~395~~531.3568 CERTS 0.00 0.00 0.00000000 0.00 Totals 3644,~~159~~902,~~690~~111.0599 2,~~086~~041,~~079~~177,~~948~~836.6870 0.~~94821816~~92780811 3644,~~159~~902,~~690~~111.0599

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion 1-A-1 205,000,000.00 ~~962~~945.~~59492898~~41230849 0.00000000 0.00000000 0.00000000 1-A-2 1,368,000,000.00 ~~962~~945.~~59492900~~41230849 0.00000000 0.00000000 0.00000000 1-A-3 152,000,000.00 ~~962~~945.~~59492901~~41230849 0.00000000 0.00000000 0.00000000 2-A 172,500,000.00 ~~985~~976.~~24890371~~27665855 0.00000000 811.~~97224516~~67497588 0.00000000 M-1 44,000,000.00 ~~964~~948.~~65438114~~21815841 0.00000000 1620.~~43622273~~41005091 0.00000000 M-2 71,500,000.00 ~~964~~948.~~65438126~~21815846 0.00000000 1620.~~43622280~~41005091 0.00000000 M-3 49,500,000.00 ~~964~~948.~~65438121~~21815838 0.00000000 1620.~~43622283~~41005091 0.00000000 M-4 49,500,000.00 ~~964~~948.~~65438121~~21815838 0.00000000 1620.~~43622283~~41005091 0.00000000 M-5 55,000,000.00 ~~964~~948.~~65438127~~21815855 0.00000000 1620.~~43622273~~41005091 0.00000000 M-6 33,000,000.00 ~~964~~948.~~65438121~~21815848 0.00000000 1620.~~43622273~~41005091 0.00000000 CERTS 0.00 0.00000000 0.00000000 0.00000000 0.00000000 (2) All Classes are per $1,000.00.

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution 1-A-1 0.00000000 1721.~~18262049~~28355839 ~~945~~924.~~41230849~~12875010 0.~~94541231~~92412875 1721.~~18262049~~28355839 1-A-2 0.00000000 1721.~~18262050~~28355841 ~~945~~924.~~41230849~~12875010 0.~~94541231~~92412875 1721.~~18262050~~28355841 1-A-3 0.00000000 1721.~~18262053~~28355842 ~~945~~924.~~41230849~~12875007 0.~~94541231~~92412875 1721.~~18262053~~28355842 2-A 0.00000000 811.~~97224516~~67497588 ~~976~~964.~~27665855~~60168267 0.~~97627666~~96460168 811.~~97224516~~67497588 M-1 0.00000000 1620.~~43622273~~41005091 ~~948~~927.~~21815841~~80810750 0.~~94821816~~92780811 1620.~~43622273~~41005091 M-2 0.00000000 1620.~~43622280~~41005091 ~~948~~927.~~21815846~~80810755 0.~~94821816~~92780811 1620.~~43622280~~41005091 M-3 0.00000000 1620.~~43622283~~41005091 ~~948~~927.~~21815838~~80810747 0.~~94821816~~92780811 1620.~~43622283~~41005091 M-4 0.00000000 1620.~~43622283~~41005091 ~~948~~927.~~21815838~~80810747 0.~~94821816~~92780811 1620.~~43622283~~41005091 M-5 0.00000000 1620.~~43622273~~41005091 ~~948~~927.~~21815855~~80810764 0.~~94821816~~92780811 1620.~~43622273~~41005091 M-6 0.00000000 1620.~~43622273~~41005091 ~~948~~927.~~21815848~~80810758 0.~~94821816~~92780811 1620.~~43622273~~41005091 CERTS 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 1-A-1 205,000,000.00 2.~~33250~~58000% ~~197~~193,~~331~~809,~~960~~523.4424 ~~409~~430,~~134~~580.9316 0.00 0.00 1-A-2 1,368,000,000.00 2.~~32250~~57000% 1,~~316~~293,~~829~~324,~~862~~038.8702 2,~~718~~862,~~522~~197.0995 0.00 0.00 1-A-3 152,000,000.00 2.~~42250~~67000% ~~146~~143,~~314~~702,~~429~~670.2189 ~~315~~330,~~063~~396.7439 0.00 0.00 2-A 172,500,000.00 5.56000% ~~169~~168,~~955~~407,~~435~~723.8960 ~~787~~780,~~460~~289.1912 0.00 0.00 M-1 44,000,000.00 2.~~48250~~73000% 4241,~~444~~721,~~792~~598.7797 9398,~~661~~080.5153 0.00 0.00 M-2 71,500,000.00 2.~~53250~~78000% 6867,~~972~~797,~~788~~598.2633 ~~155~~162,~~265~~299.4192 0.00 0.00 M-3 49,500,000.00 2.~~63250~~88000% 4746,~~750~~936,~~391~~798.8784 ~~111~~116,~~735~~403.9226 0.00 0.00 M-4 49,500,000.00 3.~~08250~~33000% 4746,~~750~~936,~~391~~798.8784 ~~130~~134,~~836~~591.0727 0.00 0.00 M-5 55,000,000.00 3.~~23250~~48000% 5352,~~055~~151,~~990~~998.9772 ~~152~~156,~~447~~282.5516 0.00 0.00 M-6 33,000,000.00 3.~~48250~~73000% 31,~~833~~291,~~594~~199.5823 98100,~~542~~505.6659 0.00 0.00 CERTS 0.00 0.00000% 0.00 0.00 0.00 0.00 Totals 2,200,000,000.00 45,~~972~~171,~~670~~626.0735 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-A-1 0.13 0.00 ~~409~~430,~~134~~580.8003 0.00 ~~193~~189,~~809~~446,~~523~~393.2477 1-A-2 0.9088 0.00 2,~~718~~862,~~521~~197.2007 0.00 1,~~293~~264,~~324~~208,~~038~~130.0213 1-A-3 0.10 0.00 ~~315~~330,~~063~~396.6429 0.00 ~~143~~140,~~702~~467,~~670~~570.8901 2-A 0.1211 0.00 ~~787~~780,~~460~~289.0701 0.00 ~~168~~166,~~407~~393,~~723~~790.6026 M-1 0.03 0.00 9398,~~661~~080.4850 0.00 4140,~~721~~823,~~598~~556.9773 M-2 0.05 0.00 ~~155~~162,~~265~~299.3687 0.00 6766,~~797~~338,~~598~~279.3369 M-3 0.03 0.00 ~~111~~116,~~735~~403.8823 0.00 4645,~~936~~926,~~798~~501.8432 M-4 0.03 0.00 ~~130~~134,~~836~~591.0424 0.00 4645,~~936~~926,~~798~~501.8432 M-5 0.04 0.00 ~~152~~156,~~447~~282.5112 0.00 5251,~~151~~029,~~998~~445.7292 M-6 0.02 0.00 98100,~~542~~505.6457 0.00 3130,~~291~~617,~~199~~667.2355 CERTS 0.00 0.00 2,~~432~~352,~~411~~497.6609 0.00 0.00 Totals 1.4542 0.00 7,~~405~~524,~~080~~122.2802 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-A-1 205,000,000.00 2.~~33250~~58000% ~~962~~945.~~59492898~~41230849 12.~~99578015~~10039102 0.00000000 0.00000000 1-A-2 1,368,000,000.00 2.~~32250~~57000% ~~962~~945.~~59492900~~41230849 12.~~98722375~~09224996 0.00000000 0.00000000 1-A-3 152,000,000.00 2.~~42250~~67000% ~~962~~945.~~59492901~~41230849 2.~~07278776~~17366046 0.00000000 0.00000000 2-A 172,500,000.00 5.56000% ~~985~~976.~~24890371~~27665855 4.~~56498661~~52341519 0.00000000 0.00000000 M-1 44,000,000.00 2.~~48250~~73000% ~~964~~948.~~65438114~~21815841 2.~~12867068~~22910295 0.00000000 0.00000000 M-2 71,500,000.00 2.~~53250~~78000% ~~964~~948.~~65438126~~21815846 2.~~17154420~~26992895 0.00000000 0.00000000 M-3 49,500,000.00 2.~~63250~~88000% ~~964~~948.~~65438121~~21815838 2.~~25729131~~35158101 0.00000000 0.00000000 M-4 49,500,000.00 3.~~08250~~33000% ~~964~~948.~~65438121~~21815838 2.~~64315293~~71901556 0.00000000 0.00000000 M-5 55,000,000.00 3.~~23250~~48000% ~~964~~948.~~65438127~~21815855 2.~~77177364~~84149382 0.00000000 0.00000000 M-6 33,000,000.00 3.~~48250~~73000% ~~964~~948.~~65438121~~21815848 23.~~98614121~~04562394 0.00000000 0.00000000 CERTS 0.00 0.00000% 0.00000000 0.00000000 0.00000000 0.00000000 (5) All Classes are per $1,000.00 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-A-1 0.00000063 0.00000000 12.~~99577951~~10039039 0.00000000 ~~945~~924.~~41230849~~12875010 1-A-2 0.~~00000066~~00000064 0.00000000 12.~~98722310~~09224932 0.00000000 ~~945~~924.~~41230849~~12875010 1-A-3 0.00000066 0.00000000 2.~~07278711~~17365980 0.00000000 ~~945~~924.~~41230849~~12875007 2-A 0.~~00000070~~00000064 0.00000000 4.~~56498591~~52341455 0.00000000 ~~976~~964.~~27665855~~60168267 M-1 0.00000068 0.00000000 2.~~12867000~~22910227 0.00000000 ~~948~~927.~~21815841~~80810750 M-2 0.00000070 0.00000000 2.~~17154350~~26992825 0.00000000 ~~948~~927.~~21815846~~80810755 M-3 0.00000061 0.00000000 2.~~25729051~~35158040 0.00000000 ~~948~~927.~~21815838~~80810747 M-4 0.00000061 0.00000000 2.~~64315232~~71901495 0.00000000 ~~948~~927.~~21815838~~80810747 M-5 0.00000073 0.00000000 2.~~77177291~~84149309 0.00000000 ~~948~~927.~~21815855~~80810764 M-6 0.00000061 0.00000000 23.~~98614061~~04562333 0.00000000 ~~948~~927.~~21815848~~80810758 CERTS 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 Component Statement Component Beginning Ending Beginning Ending Ending Pass-Through Notional Notional Component Component Component Class Rate Balance Balance Balance Balance Percentage M-1-1 2.~~48250~~73000% 0.00 0.00 ~~38,503,797.19~~ 37,816,492.37 9436,965,150.~~54123085~~03 92.41287501% M-1-2 2.~~48250~~73000% 0.00 0.00 3,~~940~~905,~~995~~106.5961 3,~~905~~858,~~106~~406.6170 9796.~~62766598~~46016822% M-2-1 2.~~53250~~78000% 0.00 0.00 ~~62,568,670.43~~ 61,451,800.10 9460,068,368.~~54123085~~80 92.41287501% M-2-2 2.~~53250~~78000% 0.00 0.00 6,~~404~~345,~~117~~798.8323 6,~~345~~269,~~798~~910.2389 9796.~~62766583~~46016828% M-3-1 2.~~63250~~88000% 0.00 0.00 ~~43,316,771.83~~ 42,543,553.91 9441,585,793.~~54123085~~78 92.41287501% M-3-2 2.~~63250~~88000% 0.00 0.00 4,~~433~~393,~~620~~244.0493 4,~~393~~340,~~244~~707.9354 9796.~~62766576~~46016820% M-4-1 3.~~08250~~33000% 0.00 0.00 ~~43,316,771.83~~ 42,543,553.91 9441,585,793.~~54123085~~78 92.41287501% M-4-2 3.~~08250~~33000% 0.00 0.00 4,~~433~~393,~~620~~244.0493 4,~~393~~340,~~244~~707.9354 9796.~~62766576~~46016820% M-5-1 3.~~23250~~48000% 0.00 0.00 ~~48,129,746.48~~ 47,270,615.45 9446,206,437.~~54123084~~53 92.41287500% M-5-2 3.~~23250~~48000% 0.00 0.00 4,~~926~~881,~~244~~383.4926 4,~~881~~823,~~383~~008.2638 9796.~~62766579~~46016818% M-6-1 3.~~48250~~73000% 0.00 0.00 28,~~877~~362,~~847~~369.8927 2827,~~362~~723,~~369~~862.2752 9492.~~54123084~~41287501% M-6-2 3.~~48250~~73000% 0.00 0.00 2,~~955~~928,~~746~~829.6996 2,~~928~~893,~~829~~805.9603 9796.~~62766598~~46016831%

CERTIFICATEHOLDER ACCOUNT STATEMENT CERTIFICATE ACCOUNT Beginning Balance 0.00 Deposits Payments of Interest and Principal 4453,~~282~~131,~~522~~777.7355 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 0.00 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 4453,~~282~~131,~~522~~777.7355 Withdrawals Reimbursement for Servicer Advances 0.00 Payment of Service Fee ~~717~~705,~~752~~543.4054 Payment of Interest and Principal 4352,~~564~~426,~~770~~234.3301 Total Withdrawals (Pool Distribution Amount) 4453,~~282~~131,~~522~~777.7355 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~650~~639,~~359~~209.5502 Ambac Fee 11,~~330~~227.3618 Master Servicing Fee 5352,~~055~~152.9500 Owner Trustee Fee 32,~~006~~955.5434 Wells Fargo Bank, NA 0.00 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~717~~705,~~752~~543.4054

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 5 2 0 07 ~~2 138~~358,~~023~~983.2594 0279,600.00 0.00 ~~138~~638,~~023~~583.2594 30 Days 5452 10 0 0 5552 1011,~~610~~913,~~104~~083.6301 ~~151,376~~0.5400 0.00 0.00 1011,~~761~~913,~~481~~083.1701 60 Days 1719 01 112 0 2822 43,~~526~~725,~~617~~781.0227 0151,270.0020 3282,~~320,933~~180.8482 0.00 74,~~847~~159,~~550~~232.8629 90 Days 212 10 810 0 1122 ~~260~~3,~~503~~096,562.8556 ~~640,000~~0.00 13,~~771~~138,~~435~~687.9782 0.00 26,~~671~~235,~~939~~250.8238 120 Days 01 01 45 0 47 075,704.0019 0640,000.00 ~~700~~885,~~217~~637.2377 0.00 ~~700~~1,~~217~~601,341.2396 150 Days 0 0 04 0 04 0.00 0.00 0699,722.0021 0.00 0699,722.0021 180+ Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 7384 47 23 0 ~~100~~114 1518,~~397~~811,~~225~~131.5003 ~~929~~1,~~399~~150,254.7914 5,~~792~~285,~~587~~828.0462 0.00 2225,~~119~~247,~~212~~213.3379 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.~~026021~~066419% 0.~~000000~~026567% 0.000000% 0.~~026021~~092986% 0.~~006616~~017587% 0.~~000000~~013698% 0.000000% 0.~~006616~~031285% 30 Days 0.~~702576~~690755% 0.~~013011~~000000% 0.000000% 0.000000% 0.~~715587~~690755% 0.~~508614~~583638% 0.~~007257~~000000% 0.000000% 0.000000% 0.~~515871~~583638% 60 Days 0.~~221181~~252391% 0.~~000000~~013284% 0.~~143117~~026567% 0.000000% 0.~~364299~~292242% 0.~~216992~~182531% 0.~~000000~~007411% 0.~~159195~~013824% 0.000000% 0.~~376186~~203766% 90 Days 0.~~026021~~159405% 0.~~013011~~000000% 0.~~104085~~132837% 0.000000% 0.~~143117~~292242% 0.~~012488~~151705% 0.~~030680~~000000% 0.~~084917~~153768% 0.000000% 0.~~128084~~305473% 120 Days 0.~~000000~~013284% 0.~~000000~~013284% 0.~~052043~~066419% 0.000000% 0.~~052043~~092986% 0.~~000000~~003709% 0.~~000000~~031354% 0.~~033566~~043389% 0.000000% 0.~~033566~~078452% 150 Days 0.000000% 0.000000% 0.~~000000~~053135% 0.000000% 0.~~000000~~053135% 0.000000% 0.000000% 0.~~000000~~034280% 0.000000% 0.~~000000~~034280% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 01.~~949779~~115834% 0.~~052043~~092986% 0.~~299245~~305526% 0.000000% 1.~~301067~~514346% 0.~~738094~~921582% 0.~~044552~~056352% 0.~~277678~~258960% 0.000000% 1.~~060324~~236894%

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 02 0 02 0.00 0279,600.00 0.00 0279,600.00 30 Days 4346 10 0 0 4446 810,~~779~~927,~~224~~287.4372 ~~151,376~~0.5400 0.00 0.00 810,~~930~~927,~~600~~287.9772 60 Days 1617 01 10 0 ~~26 4,428,129.84~~ 0~~.00~~ 18 3,~~010~~355,~~778~~579.4661 ~~0.00 7~~151,~~438,908~~270.3020 ~~90 Days 1 1 8~~ 0 ~~10 184,749~~.~~51 640,000.~~00 ~~1,771,435.97~~ 0.00 23,~~596~~506,~~185~~849.4881 ~~120~~90 Days 012 0 48 0 420 ~~0.00 0.00 700~~3,~~217.23 0.00 700~~096,~~217~~562.2356 ~~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 60~~ 2 ~~22 0 84 13~~,~~392~~730,~~103~~366.7816 ~~791,376.54 5,482,431.66~~ 0.00 195,~~665~~826,~~911~~928.9872 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.629760% 0.014646% 0.000000% 0.000000% 0.644405% 0.464307% 0.008006% 0.000000% 0.000000% 0.472312% 60 Days 0.234329% 0.000000% 0.146456% 0.000000% 0.380785% 0.234190% 0.000000% 0.159231% 0.000000% 0.393421% 90 Days 0.014646% 0.014646% 0.117165% 0.000000% 0.146456% 0.009771% 0.033848% 0.093686% 0.000000% 0.137304% 120 Days 0~~.000000%~~ 0.000000% 0.058582% 0.000000% 0.058582% 0.000000% 0.000000% 0.037032% 0.000000% 0.037032% 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 0.878735% 0.029291% 0.322203% 0.000000% 1~~.230228%~~ ~~0.708268%~~5 0~~.041854%~~ ~~0.289949%~~6 0.000000% 1.040071% 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 2 0 0 2 138,023.25 0.00 ~~0.00 138~~640,~~023~~000.~~25 30 Days 11 0 0 0 11 1,830,880.20 0.~~00 ~~0.00 0.00 1~~885,~~830,880~~637.2077 ~~60 Days 1~~ 0 ~~1 0 2 98,487~~.~~18 0.~~00 ~~310,155.38 0.00 408,642.56 90 Days~~ 1 ~~0 0 0 1 75~~,~~754.34 0.00 0.00 0.00 75~~525,~~754~~637.3477 ~~120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00~~ 150 Days 0 0 04 0 04 0.00 0.00 0699,722.0021 0.00 0699,722.0021 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1375 2 119 0 1696 217,~~005~~379,~~121~~429.7289 ~~138~~791,~~023~~270.2520 ~~310~~4,~~155~~595,326.3814 0.00 222,~~453~~766,~~300~~026.3523 0-29 Days 0.~~233100~~000000% 0.~~000000~~029931% 0.000000% 0.~~233100~~029931% 0.~~070689~~000000% 0.~~000000~~015128% 0.000000% 0.~~070689~~015128% 30 Days 10.~~282051~~688417% 0.000000% 0.000000% 0.000000% 10.~~282051~~688417% 0.~~937685~~591221% 0.000000% 0.000000% 0.000000% 0.~~937685~~591221% 60 Days 0.~~116550~~254415% 0.~~000000~~014966% 0.~~116550~~000000% 0.000000% 0.~~233100~~269380% 0.~~050440~~181554% 0.~~000000~~008184% 0.~~158846~~000000% 0.000000% 0.~~209286~~189738% 90 Days 0.~~116550~~179587% 0.000000% 0.~~000000~~119725% 0.000000% 0.~~116550~~299312% 0.~~038798~~167540% 0.000000% 0.~~000000~~147727% 0.000000% 0.~~038798~~315266% 120 Days 0.000000% 0.~~000000~~014966% 0.~~000000~~074828% 0.000000% 0.~~000000~~089793% 0.000000% 0.~~000000~~034627% 0.~~000000~~047917% 0.000000% 0.~~000000~~082545% 150 Days 0.000000% 0.000000% 0.~~000000~~059862% 0.000000% 0.~~000000~~059862% 0.000000% 0.000000% 0.~~000000~~037858% 0.000000% 0.~~000000~~037858% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.~~515152~~122418% 0.~~233100~~029931% 0.~~116550~~284346% 0.000000% 1.~~864802~~436696% 10.~~026923~~940314% 0.~~070689~~042812% 0.~~158846~~248630% 0.000000% 1.~~256458~~231756%

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 5 0 0 5 358,983.94 0.00 0.00 358,983.94 30 Days 6 0 0 0 6 985,795.29 0.00 0.00 0.00 985,795.29 60 Days 2 0 2 0 4 370,201.66 0.00 282,180.82 0.00 652,382.48 90 Days 0 0 2 0 2 0.00 0.00 408,321.66 0.00 408,321.66 120 Days 1 0 0 0 1 75,704.19 0.00 0.00 0.00 75,704.19 150 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 9 5 4 0 18 1,431,701.14 358,983.94 690,502.48 0.00 2,481,187.56 0-29 Days 0.591017% 0.000000% 0.000000% 0.591017% 0.186079% 0.000000% 0.000000% 0.186079% 30 Days 0.709220% 0.000000% 0.000000% 0.000000% 0.709220% 0.510986% 0.000000% 0.000000% 0.000000% 0.510986% 60 Days 0.236407% 0.000000% 0.236407% 0.000000% 0.472813% 0.191894% 0.000000% 0.146268% 0.000000% 0.338162% 90 Days 0.000000% 0.000000% 0.236407% 0.000000% 0.236407% 0.000000% 0.000000% 0.211653% 0.000000% 0.211653% 120 Days 0.118203% 0.000000% 0.000000% 0.000000% 0.118203% 0.039241% 0.000000% 0.000000% 0.000000% 0.039241% 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 1.063830% 0.591017% 0.472813% 0.000000% 2.127660% 0.742120% 0.186079% 0.357921% 0.000000% 1.286120%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 0.00 Class 1-A-2 627,000,000.00 28.49999978% 598,946,387.42 28.71157396% 61.997817% 0.000000% Class 1-A-3 475,000,000.00 21.59090893% 455,243,716.53 21.82292758% 6.888646% 0.000000% Class 2A 302,500,000.00 13.74999989% 286,835,992.93 13.75000000% 8.072928% 0.000000% Class M-1 258,500,000.00 11.74999991% 245,114,393.96 11.75000000% 2.000000% 0.000000% Class M-2 187,000,000.00 8.49999993% 177,316,795.63 8.50000000% 3.250000% 0.000000% Class M-3 137,500,000.00 6.24999995% 130,379,996.79 6.25000000% 2.250000% 0.000000% Class M-4 88,000,000.00 3.99999997% 83,443,197.95 4.00000000% 2.250000% 0.000000% Please Refer to the Prospectus Supplement for a Full Description of Loss Exposure

Class 1-A-2 627,000,000.00 28.49999978% 587,523,312.80 28.78354361% 61.935227% 0.000000% Class 1-A-3 475,000,000.00 21.59090893% 447,055,742.79 21.90185170% 6.881692% 0.000000% Class 2A 302,500,000.00 13.74999989% 280,661,952.53 13.75000000% 8.151852% 0.000000% Class M-1 258,500,000.00 11.74999991% 239,838,395.80 11.75000000% 2.000000% 0.000000% Class M-2 187,000,000.00 8.49999993% 173,500,116.11 8.50000000% 3.250000% 0.000000% Class M-3 137,500,000.00 6.24999995% 127,573,614.79 6.25000000% 2.250000% 0.000000% Class M-4 88,000,000.00 3.99999997% 81,647,113.47 4.00000000% 2.250000% 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 5.~~327626~~358835% Weighted Average Net Coupon 4.~~959887~~991136% Weighted Average Pass-Through Rate 4.~~844789~~877445% Weighted Average Maturity(Stepdown Calculation ) ~~354~~353 Beginning Scheduled Collateral Loan Count 7,~~799~~686 Number Of Loans Paid In Full ~~113~~158 Ending Scheduled Collateral Loan Count 7,~~686~~528 Beginning Scheduled Collateral Balance 2,~~122~~086,~~239~~079,~~638~~948.7369 Ending Scheduled Collateral Balance 2,~~086~~041,~~079~~177,~~948~~836.6970 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 2,~~086~~041,~~079~~177,~~948~~836.6970 Monthly P &I Constant 10,~~120~~009,~~641~~048.6332 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Ending Scheduled Balance for Premium Loans 2,~~086~~041,~~079~~177,~~948~~836.6970 Scheduled Principal ~~698~~693,~~558~~249.8535 Unscheduled Principal 3544,~~461~~208,~~131~~862.1964

Miscellaneous Reporting Net Derivative Contract Payment Amount 0943,598.0089

Group Level Collateral Statement Group 1 2 Total Collateral Description Fixed 15/30 & ARM Fixed 15/30 & ARM Mixed Fixed & Arm Weighted Average Coupon Rate 5.~~218274~~252611 6.~~396005~~387492 5.~~327626~~358835 Weighted Average Net Rate 4.~~843274~~877611 6.~~099200~~090488 4.~~959887~~991136 Weighted Average Maturity ~~354~~353 ~~340~~339 ~~354~~353 Beginning Loan Count 6,~~934~~828 ~~865~~858 7,~~799~~686 Loans Paid In Full ~~106~~146 712 ~~113~~158 Ending Loan Count 6,~~828~~682 ~~858~~846 7,~~686~~528 Beginning Scheduled Balance 1,~~925~~890,~~189~~824,~~858~~617.1817 ~~197~~195,~~049~~255,~~780~~331.5552 2,~~122~~086,~~239~~079,~~638~~948.7369 Ending scheduled Balance 1,~~890~~848,~~824~~257,~~617~~500.1736 ~~195~~192,~~255~~920,~~331~~336.5234 2,~~086~~041,~~079~~177,~~948~~836.6970 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 8,~~851~~751,~~937~~165.6576 1,~~268~~257,~~703~~882.9856 10,~~120~~009,~~641~~048.6332 Scheduled Principal ~~480~~474,~~131~~693.0129 218,~~427~~556.8406 ~~698~~693,~~558~~249.8535 Unscheduled Principal 3342,~~885~~092,~~110~~423.0052 12,~~576~~116,~~021~~439.1912 3544,~~461~~208,~~131~~862.1964 Scheduled Interest 8,~~371~~276,~~806~~472.6447 1,~~050~~039,~~276~~326.1450 9,~~422~~315,~~082~~798.7897 Servicing Fees ~~601~~590,~~621~~882.8467 48,~~737~~326.7135 ~~650~~639,~~359~~209.5502 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 ~~191~~185,~~246~~676.7294 1211,~~309~~964.0995 ~~203~~197,~~555~~641.8189 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 7,~~578~~499,~~938~~912.0886 ~~989~~979,~~229~~035.3420 8,~~568~~478,~~167~~948.4206 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

Miscellaneous Reporting Group 1 Net Monthly Excess Cash 2,~~326~~250,~~895~~086.9165 Excess Interest applied as Principal 0.00 Overcollateralization Amount 0.00 Overcollateralization Deficiency Amount 0.00 Overcollateralization Increase Amount 0.00 Overcollateralization Reduction Amount 0.00 Overcollateralization Target Amount 0.00 Group 2 Net Monthly Excess Cash ~~105~~102,~~514~~409.3103 Excess Interest applied as Principal 0.00 Overcollateralization Amount 0.00 Overcollateralization Deficiency Amount 0.00 Overcollateralization Increase Amount 0.00 Overcollateralization Reduction Amount 0.00 Overcollateralization Target Amount 0.00

Filing Compare · IMPAC CMB Trust SERIES 2004-6