8-K 1 bst04006_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 BEAR STEARNS ARM TRUST Mortgage Pass-Through Certificates, Series 2004-6 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-115122-10 Pooling and Servicing Agreement) (Commission 54-2157806 (State or other File Number) 54-2157807 jurisdiction IRS EIN of Incorporation) c/o Wells Fargo Bank, N.A. 9062 Old Annapolis Road Columbia, MD 21045 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (410) 884-2000 (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act(17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act(17 CFR 240.13e-4(c)) ITEM 8.01 Other Events On December 27, 2004 a distribution was made to holders of BEAR STEARNS ARM TRUST, Mortgage Pass-Through Certificates, 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 Mortgage Pass-Through Certificates, 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. BEAR STEARNS ARM TRUST Mortgage Pass-Through Certificates, Series 2004-6 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: 12/30/2004 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-6 Trust, relating to the December 27, 2004 distribution. EX-99.1

Bear Stearns ARM Trust Mortgage Pass-Through Certificates Record Date: 1011/3130/2004 Distribution Date: 1112/2627/2004 ~~BST~~Bear Stearns ARM Trust Mortgage Pass-Through Certificates 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 I-A-1 07384MW40 SEN 4.~~72264~~70488% ~~350~~332,~~652~~026,~~601~~552.6710 1,~~380~~301,~~006~~787.2560 1817,~~626~~971,~~049~~725.5772 I-A-2 07384MW57 SEN 4.~~72264~~70488% 2120,~~385~~249,~~747~~774.6837 8479,~~164~~393.4097 1,~~135~~096,~~973~~067.3113 II-A-1 07384MW65 SEN 5.~~19283~~17855% ~~203~~194,~~819~~126,~~173~~542.3488 ~~881~~837,~~998~~744.8657 95,~~692~~493,~~630~~447.4763 II-A-2 07384MW73 SEN 5.~~19283~~17855% 1211,~~434~~843,~~678~~346.6793 5351,~~809~~109.3344 ~~591~~335,~~331~~146.7337 III-A 07384MW81 SEN 5.~~50321~~47765% 8177,~~578~~383,~~156~~596.5760 ~~374~~353,~~117~~233.7680 42,~~194~~961,~~559~~783.9730 R-I 07384MW99 RES 4.~~70746~~69775% 0.00 0.7061 0.00 R-II 07384MX23 RES 4.~~70746~~69775% 0.00 0.00 0.00 B-1 07384MX31 SUB 4.~~96700~~94937% 12,~~214~~210,~~380~~709.5114 50,~~557~~362.3876 3,~~671~~688.3710 B-2 07384MX49 SUB 4.~~96700~~94937% 7,~~403~~401,~~563~~337.1681 30,~~644~~526.6063 2,~~225~~235.3449 B-3 07384MX56 SUB 4.~~96700~~94937% 4,~~442~~440,~~137~~802.8969 18,~~386~~315.7698 1,~~335~~341.2129 B-4 07384MX64 SUB 4.~~96700~~94937% 3,~~331~~330,~~103~~102.8560 13,~~788~~734.0092 1,~~001~~005.2582 B-5 07384MX72 SUB 4.~~96700~~94937% 2,~~221~~220,~~068~~401.9534 9,~~193~~157.3899 ~~667~~670.6065 B-6 07384MX80 SUB 4.~~96700~~94937% 1,~~851~~850,~~474~~917.3584 7,~~663~~634.5606 ~~556~~559.5105 Totals ~~701~~667,~~334~~084,~~086~~084.6430 2,~~904~~753,~~330~~002.9833 3427,~~250~~867,~~002~~670.3355

Certificateholder Distribution Summary (continued) Current Ending Cumulative Realized Certificate Total Realized Class Loss Balance Distribution Losses I-A-1 0.00 ~~332~~314,~~026~~054,~~552~~826.1038 2019,~~006~~273,~~055~~513.8232 0.00 I-A-2 0.00 2019,~~249~~153,~~774~~707.3724 1,~~220~~175,~~137~~461.7110 0.00 II-A-1 0.00 ~~194~~188,~~126~~633,~~542~~095.8824 106,~~574~~331,~~629~~192.3320 0.00 II-A-2 0.00 11,~~843~~508,~~346~~200.9356 ~~645~~386,~~141~~255.0681 0.00 III-A 0.00 7774,~~383~~421,~~596~~813.6030 43,~~568~~315,~~677~~017.7310 0.00 R-I 0.00 0.00 0.7061 0.00 R-II 0.00 0.00 0.00 0.00 B-1 0.00 12,~~210~~207,~~709~~021.1404 54,~~228~~050.7586 0.00 B-2 0.00 7,~~401~~399,~~337~~102.8133 32,~~869~~762.9412 0.00 B-3 0.00 4,~~440~~439,~~802~~461.6940 19,~~721~~657.9727 0.00 B-4 0.00 3,~~330~~329,~~102~~096.6078 14,~~789~~740.2574 0.00 B-5 0.00 2,~~220~~219,~~401~~730.3470 9,~~860~~828.9864 0.00 B-6 0.00 1,850,~~917~~358.8479 8,~~220~~193.0711 0.00 Totals 0.00 ~~667~~639,~~084~~216,~~084~~413.3076 3730,~~154~~620,~~333~~672.3188 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) I-A-1 375,500,800.00 ~~350~~332,~~652~~026,~~601~~552.6710 9790,~~194~~977.8396 1817,~~528~~880,~~854~~747.7476 0.00 0.00 I-A-2 22,901,200.00 2120,~~385~~249,~~747~~774.6837 5,~~927~~548.7660 1,~~130~~090,~~045~~518.5553 0.00 0.00 II-A-1 210,820,200.00 ~~203~~194,~~819~~126,~~173~~542.3488 6966,~~047~~989.3821 95,~~623~~426,~~583~~458.0842 0.00 0.00 II-A-2 12,861,800.00 1211,~~434~~843,~~678~~346.6793 4,~~212~~086.4790 ~~587~~331,~~119~~059.2747 0.00 0.00 III-A 87,380,000.00 8177,~~578~~383,~~156~~596.5760 2524,~~248~~738.5468 42,~~169~~937,~~311~~044.4362 0.00 0.00 R-I 50.00 0.00 0.00 0.00 0.00 0.00 R-II 50.00 0.00 0.00 0.00 0.00 0.00 B-1 12,225,000.00 12,~~214~~210,~~380~~709.5114 3,~~671~~688.3710 0.00 0.00 0.00 B-2 7,410,000.00 7,~~403~~401,~~563~~337.1681 2,~~225~~235.3449 0.00 0.00 0.00 B-3 4,446,000.00 4,~~442~~440,~~137~~802.8969 1,~~335~~341.2129 0.00 0.00 0.00 B-4 3,334,000.00 3,~~331~~330,~~103~~102.8560 1,~~001~~005.2582 0.00 0.00 0.00 B-5 2,223,000.00 2,~~221~~220,~~068~~401.9534 ~~667~~670.6065 0.00 0.00 0.00 B-6 1,853,084.07 1,~~851~~850,~~474~~917.3584 ~~556~~559.5105 0.00 0.00 0.00 Totals 740,955,184.07 ~~701~~667,~~334~~084,~~086~~084.6430 ~~211~~201,~~088~~841.2675 3427,~~038~~665,~~914~~828.0780 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 I-A-1 1817,~~626~~971,~~049~~725.5772 ~~332~~314,~~026~~054,~~552~~826.1038 0.~~88422329~~83636260 1817,~~626~~971,~~049~~725.5772 I-A-2 1,~~135~~096,~~973~~067.3113 2019,~~249~~153,~~774~~707.3724 0.~~88422329~~83636260 1,~~135~~096,~~973~~067.3113 II-A-1 95,~~692~~493,~~630~~447.4763 ~~194~~188,~~126~~633,~~542~~095.8824 0.~~92081567~~89475816 95,~~692~~493,~~630~~447.4763 II-A-2 ~~591~~335,~~331~~146.7337 11,~~843~~508,~~346~~200.9356 0.~~92081567~~89475816 ~~591~~335,~~331~~146.7337 III-A 42,~~194~~961,~~559~~783.9730 7774,~~383~~421,~~596~~813.6030 0.~~88559850~~85170306 42,~~194~~961,~~559~~783.9730 R-I 0.00 0.00 0.00000000 0.00 R-II 0.00 0.00 0.00000000 0.00 B-1 3,~~671~~688.3710 12,~~210~~207,~~709~~021.1404 0.~~99883101~~99852933 3,~~671~~688.3710 B-2 2,~~225~~235.3449 7,~~401~~399,~~337~~102.8133 0.~~99883101~~99852933 2,~~225~~235.3449 B-3 1,~~335~~341.2129 4,~~440~~439,~~802~~461.6940 0.~~99883101~~99852933 1,~~335~~341.2129 B-4 1,~~001~~005.2582 3,~~330~~329,~~102~~096.6078 0.~~99883101~~99852933 1,~~001~~005.2582 B-5 ~~667~~670.6065 2,~~220~~219,~~401~~730.3470 0.~~99883101~~99852933 ~~667~~670.6065 B-6 ~~556~~559.5105 1,850,~~917~~358.8479 0.~~99883101~~99852933 ~~556~~559.5105 Totals 3427,~~250~~867,~~002~~670.3355 ~~667~~639,~~084~~216,~~084~~413.3076 0.~~90030288~~86269241 3427,~~250~~867,~~002~~670.3355

Principal Distribution Factors Statement Original Beginning Scheduled Unscheduled Face Certificate Principal Principal Class (2) Amount Balance Distribution Distribution Accretion I-A-1 375,500,800.00 ~~933~~884.~~82651028~~22328821 0.~~25884054~~24228433 4947.~~34438153~~61840124 0.00000000 I-A-2 22,901,200.00 ~~933~~884.~~82651040~~22328830 0.~~25884058~~24228425 4947.~~34438152~~61840122 0.00000000 II-A-1 210,820,200.00 ~~966~~920.~~79148080~~81566605 0.~~32751786~~31775518 4525.~~64829689~~73974610 0.00000000 II-A-2 12,861,800.00 ~~966~~920.~~79148097~~81566577 0.~~32751792~~31775490 4525.~~64829728~~73974638 0.00000000 III-A 87,380,000.00 ~~933~~885.~~60215805~~59849622 0.~~28895102~~28311604 4733.~~71471080~~61232113 0.00000000 R-I 50.00 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 0.00000000 0.00000000 0.00000000 0.00000000 B-1 12,225,000.00 ~~999~~998.~~13133006~~83101350 0.~~30031656~~30168507 0.00000000 0.00000000 B-2 7,410,000.00 ~~999~~998.~~13133063~~83101350 0.~~30031579~~30168556 0.00000000 0.00000000 B-3 4,446,000.00 ~~999~~998.~~13132928~~83101439 0.~~30031714~~30168466 0.00000000 0.00000000 B-4 3,334,000.00 ~~999~~998.~~13132873~~83101380 0.~~30031494~~30168566 0.00000000 0.00000000 B-5 2,223,000.00 ~~999~~998.~~13133153~~83101215 0.~~30031489~~30168691 0.00000000 0.00000000 B-6 1,853,084.07 ~~999~~998.~~13132921~~83101364 0.~~30031557~~30168626 0.00000000 0.00000000

Principal Distribution Factors Statement (continued) Total Ending Ending Total Realized Principal Certificate Certificate Principal Class Loss (3) Reduction Balance Percentage Distribution I-A-1 0.00000000 4947.~~60322207~~86068557 ~~884~~836.~~22328821~~36260264 0.~~88422329~~83636260 4947.~~60322207~~86068557 I-A-2 0.00000000 4947.~~60322210~~86068547 ~~884~~836.~~22328830~~36260283 0.~~88422329~~83636260 4947.~~60322210~~86068547 II-A-1 0.00000000 4526.~~97581479~~05750127 ~~920~~894.~~81566605~~75816473 0.~~92081567~~89475816 4526.~~97581479~~05750127 II-A-2 0.00000000 4526.~~97581443~~05750128 ~~920~~894.~~81566577~~75816449 0.~~92081567~~89475816 4526.~~97581443~~05750128 III-A 0.00000000 4833.~~00366182~~89543717 ~~885~~851.~~59849622~~70305905 0.~~88559850~~85170306 4833.~~00366182~~89543717 R-I 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.~~30031656~~30168507 998.~~83101350~~52932843 0.~~99883101~~99852933 0.~~30031656~~30168507 B-2 0.00000000 0.~~30031579~~30168556 998.~~83101350~~52932928 0.~~99883101~~99852933 0.~~30031579~~30168556 B-3 0.00000000 0.~~30031714~~30168466 998.~~83101439~~52932973 0.~~99883101~~99852933 0.~~30031714~~30168466 B-4 0.00000000 0.~~30031494~~30168566 998.~~83101380~~52932813 0.~~99883101~~99852933 0.~~30031494~~30168566 B-5 0.00000000 0.~~30031489~~30168691 998.~~83101215~~52932973 0.~~99883101~~99852933 0.~~30031489~~30168691 B-6 0.00000000 0.~~30031557~~30168626 998.~~83101364~~52932738 0.~~99883101~~99852933 0.~~30031557~~30168626 (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 I-A-1 375,500,800.00 4.~~72264~~70488% ~~350~~332,~~652~~026,~~601~~552.6710 1,~~380~~301,~~006~~787.2560 0.00 0.00 I-A-2 22,901,200.00 4.~~72264~~70488% 2120,~~385~~249,~~747~~774.6837 8479,~~164~~393.4097 0.00 0.00 II-A-1 210,820,200.00 5.~~19283~~17855% ~~203~~194,~~819~~126,~~173~~542.3488 ~~881~~837,~~998~~744.8657 0.00 0.00 II-A-2 12,861,800.00 5.~~19283~~17855% 1211,~~434~~843,~~678~~346.6793 5351,~~809~~109.3344 0.00 0.00 III-A 87,380,000.00 5.~~50321~~47765% 8177,~~578~~383,~~156~~596.5760 ~~374~~353,~~117~~233.7680 0.00 0.00 R-I 50.00 4.~~70746~~69775% 0.00 0.00 0.00 0.00 R-II 50.00 4.~~70746~~69775% 0.00 0.00 0.00 0.00 B-1 12,225,000.00 4.~~96700~~94937% 12,~~214~~210,~~380~~709.5114 50,~~557~~362.3876 0.00 0.00 B-2 7,410,000.00 4.~~96700~~94937% 7,~~403~~401,~~563~~337.1681 30,~~644~~526.6063 0.00 0.00 B-3 4,446,000.00 4.~~96700~~94937% 4,~~442~~440,~~137~~802.8969 18,~~386~~315.7698 0.00 0.00 B-4 3,334,000.00 4.~~96700~~94937% 3,~~331~~330,~~103~~102.8560 13,~~788~~734.0092 0.00 0.00 B-5 2,223,000.00 4.~~96700~~94937% 2,~~221~~220,~~068~~401.9534 9,~~193~~157.3899 0.00 0.00 B-6 1,853,084.07 4.~~96700~~94937% 1,~~851~~850,~~474~~917.3584 7,~~663~~634.5606 0.00 0.00 Totals 740,955,184.07 2,~~904~~753,~~330~~001.2872 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 I-A-1 0.00 0.00 1,~~380~~301,~~006~~787.2560 0.00 ~~332~~314,~~026~~054,~~552~~826.1038 I-A-2 0.00 0.00 8479,~~164~~393.4097 0.00 2019,~~249~~153,~~774~~707.3724 II-A-1 0.00 0.00 ~~881~~837,~~998~~744.8657 0.00 ~~194~~188,~~126~~633,~~542~~095.8824 II-A-2 0.00 0.00 5351,~~809~~109.3344 0.00 11,~~843~~508,~~346~~200.9356 III-A 0.00 0.00 ~~374~~353,~~117~~233.7680 0.00 7774,~~383~~421,~~596~~813.6030 R-I 0.00 0.00 0.7061 0.00 0.00 R-II 0.00 0.00 0.00 0.00 0.00 B-1 0.00 0.00 50,~~557~~362.3876 0.00 12,~~210~~207,~~709~~021.1404 B-2 0.00 0.00 30,~~644~~526.6063 0.00 7,~~401~~399,~~337~~102.8133 B-3 0.00 0.00 18,~~386~~315.7698 0.00 4,~~440~~439,~~802~~461.6940 B-4 0.00 0.00 13,~~788~~734.0092 0.00 3,~~330~~329,~~102~~096.6078 B-5 0.00 0.00 9,~~193~~157.3899 0.00 2,~~220~~219,~~401~~730.3470 B-6 0.00 0.00 7,~~663~~634.5606 0.00 1,850,~~917~~358.8479 Totals 0.00 0.00 2,~~904~~753,~~330~~002.9833 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 I-A-1 375,500,800.00 4.~~72264~~70488% ~~933~~884.~~82651028~~22328821 3.~~67510868~~46680380 0.00000000 0.00000000 I-A-2 22,901,200.00 4.~~72264~~70488% ~~933~~884.~~82651040~~22328830 3.~~67510873~~46680392 0.00000000 0.00000000 II-A-1 210,820,200.00 5.~~19283~~17855% ~~966~~920.~~79148080~~81566605 43.~~18365441~~97373957 0.00000000 0.00000000 II-A-2 12,861,800.00 5.~~19283~~17855% ~~966~~920.~~79148097~~81566577 43.~~18365470~~97373929 0.00000000 0.00000000 III-A 87,380,000.00 5.~~50321~~47765% ~~933~~885.~~60215805~~59849622 4.~~28150332~~04250172 0.00000000 0.00000000 R-I 50.00 4.~~70746~~69775% 0.00000000 0.00000000 0.00000000 0.00000000 R-II 50.00 4.~~70746~~69775% 0.00000000 0.00000000 0.00000000 0.00000000 B-1 12,225,000.00 4.~~96700~~94937% ~~999~~998.~~13133006~~83101350 4.~~13557301~~11965317 0.00000000 0.00000000 B-2 7,410,000.00 4.~~96700~~94937% ~~999~~998.~~13133063~~83101350 4.~~13557355~~11965317 0.00000000 0.00000000 B-3 4,446,000.00 4.~~96700~~94937% ~~999~~998.~~13132928~~83101439 4.~~13557355~~11965362 0.00000000 0.00000000 B-4 3,334,000.00 4.~~96700~~94937% ~~999~~998.~~13132873~~83101380 4.~~13557289~~11965207 0.00000000 0.00000000 B-5 2,223,000.00 4.~~96700~~94937% ~~999~~998.~~13133153~~83101215 4.~~13557355~~11965362 0.00000000 0.00000000 B-6 1,853,084.07 4.~~96700~~94937% ~~999~~998.~~13132921~~83101364 4.~~13557060~~11965119 0.00000000 0.00000000 (5) Per $1 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 I-A-1 0.00000000 0.00000000 3.~~67510868~~46680380 0.00000000 ~~884~~836.~~22328821~~36260264 I-A-2 0.00000000 0.00000000 3.~~67510873~~46680392 0.00000000 ~~884~~836.~~22328830~~36260283 II-A-1 0.00000000 0.00000000 43.~~18365441~~97373957 0.00000000 ~~920~~894.~~81566605~~75816473 II-A-2 0.00000000 0.00000000 43.~~18365470~~97373929 0.00000000 ~~920~~894.~~81566577~~75816449 III-A 0.00000000 0.00000000 4.~~28150332~~04250172 0.00000000 ~~885~~851.~~59849622~~70305905 R-I 0.00000000 0.00000000 1412.~~00000000~~20000000 0.00000000 0.00000000 R-II 0.00000000 0.00000000 0.00000000 0.00000000 0.00000000 B-1 0.00000000 0.00000000 4.~~13557301~~11965317 0.00000000 998.~~83101350~~52932843 B-2 0.00000000 0.00000000 4.~~13557355~~11965317 0.00000000 998.~~83101350~~52932928 B-3 0.00000000 0.00000000 4.~~13557355~~11965362 0.00000000 998.~~83101439~~52932973 B-4 0.00000000 0.00000000 4.~~13557289~~11965207 0.00000000 998.~~83101380~~52932813 B-5 0.00000000 0.00000000 4.~~13557355~~11965362 0.00000000 998.~~83101215~~52932973 B-6 0.00000000 0.00000000 4.~~13557060~~11965119 0.00000000 998.~~83101364~~52932738 (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 3730,~~368~~842,~~913~~481.1744 Liquidations, Insurance Proceeds, Reserve Funds 0.00 Proceeds from Repurchased Loans 0.00 Other Amounts (Servicer Advances) 4944,~~199~~186.5182 Realized Loss (Gains, Subsequent Expenses & Recoveries) 0.00 Prepayment Penalties 0.00 Total Deposits 3730,~~418~~886,~~112~~668.6826 Withdrawals Reimbursement for Servicer Advances 3549,~~476~~199.2951 Payment of Service Fee ~~228~~216,~~303~~795.0887 Payment of Interest and Principal 3730,~~154~~620,~~333~~672.3188 Total Withdrawals (Pool Distribution Amount) 3730,~~418~~886,~~112~~668.6826 Ending Balance 0.00

SERVICING FEES Gross Servicing Fee ~~225~~214,~~945~~438.6372 Additional Servicing Fee 796.25 Miscellaneous Fee 1,~~561~~560.2090 Supported Prepayment/Curtailment Interest Shortfall 0.00 Net Servicing Fee ~~228~~216,~~303~~795.0887

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 2011 0 0 0 2011 97,~~430~~342,~~765~~849.6869 0.00 0.00 0.00 97,~~430~~342,~~765~~849.6869 60 Days 23 0 0 0 23 ~~998~~1,~~621~~465,286.6480 0.00 0.00 0.00 ~~998~~1,~~621~~465,286.6480 90 Days 0 0 01 0 01 0.00 0.00 0649,200.0077 0.00 0649,200.0077 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 2214 0 01 0 2215 108,~~429~~808,~~387~~136.3249 0.00 0649,200.0077 0.00 109,~~429~~457,~~387~~337.3226 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 10.~~397624~~798258% 0.000000% 0.000000% 0.000000% 10.~~397624~~798258% 1.~~413412~~148464% 0.000000% 0.000000% 0.000000% 1.~~413412~~148464% 60 Days 0.~~139762~~217707% 0.000000% 0.000000% 0.000000% 0.~~139762~~217707% 0.~~149666~~229179% 0.000000% 0.000000% 0.000000% 0.~~149666~~229179% 90 Days 0.000000% 0.000000% 0.~~000000~~072569% 0.000000% 0.~~000000~~072569% 0.000000% 0.000000% 0.~~000000~~101539% 0.000000% 0.~~000000~~101539% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180+ Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.~~537386~~015965% 0.000000% 0.~~000000~~072569% 0.000000% 1.~~537386~~088534% 1.~~563078~~377643% 0.000000% 0.~~000000~~101539% 0.000000% 1.~~563078~~479182%

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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 127 0 0 0 127 54,~~574~~028,~~600~~027.9301 0.00 0.00 0.00 54,~~574~~028,~~600~~027.9301 60 Days 23 0 0 0 23 ~~998~~1,~~621~~465,286.6480 0.00 0.00 0.00 ~~998~~1,~~621~~465,286.6480 90 Days 0 0 01 0 01 0.00 0.00 0649,200.0077 0.00 0649,200.0077 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 1410 0 01 0 1411 65,~~573~~493,~~222~~313.5781 0.00 0649,200.0077 0.00 6,~~573~~142,~~222~~514.5758 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 10.~~470588~~899743% 0.000000% 0.000000% 0.000000% 10.~~470588~~899743% 1.~~506556~~147756% 0.000000% 0.000000% 0.000000% 1.~~506556~~147756% 60 Days 0.~~245098~~385604% 0.000000% 0.000000% 0.000000% 0.~~245098~~385604% 0.~~269881~~417522% 0.000000% 0.000000% 0.000000% 0.~~269881~~417522% 90 Days 0.000000% 0.000000% 0.~~000000~~128535% 0.000000% 0.~~000000~~128535% 0.000000% 0.000000% 0.~~000000~~184985% 0.000000% 0.~~000000~~184985% 120 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 150 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 180 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% Totals 1.~~715686~~285347% 0.000000% 0.~~000000~~128535% 0.000000% 1.~~715686~~413882% 1.~~776437~~565278% 0.000000% 0.~~000000~~184985% 0.000000% 1.~~776437~~750263% 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 0 0 0 0 0.00 0.00 0.00 0.00 30 Days 73 0 0 0 7 3 2,~~456~~851,~~164~~622.7568 0.00 0.00 0.00 32,~~456~~851,~~164~~622.7568 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 73 0 0 0 7 3 2,~~456~~851,~~164~~622.7568 0.00 0.00 0.00 32,~~456~~851,~~164~~622.7568 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 10.~~476793~~646552% 0.000000% 0.000000% 0.000000% 10.~~476793~~646552% 1.~~600546~~357239% 0.000000% 0.000000% 0.000000% 1.~~600546~~357239% 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 10.~~476793~~646552% 0.000000% 0.000000% 0.000000% 10.~~476793~~646552% 1.~~600546~~357239% 0.000000% 0.000000% 0.000000% 1.~~600546~~357239% DELINQUENT BANKRUPTCY FORECLOSURE REO Total Group 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 1 0 0 0 1 ~~400~~463,~~000~~200.00 0.00 0.00 0.00 ~~400~~463,~~000~~200.00 60 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 90 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 120 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 150 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 180 Days 0 0 0 0 0 0.00 0.00 0.00 0.00 0.00 Totals 1 0 0 0 1 ~~400~~463,~~000~~200.00 0.00 0.00 0.00 ~~400~~463,~~000~~200.00 0-29 Days 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 0.000000% 30 Days 0.~~709220~~735294% 0.000000% 0.000000% 0.000000% 0.~~709220~~735294% 0.~~492160~~591497% 0.000000% 0.000000% 0.000000% 0.~~492160~~591497% 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.~~709220~~735294% 0.000000% 0.000000% 0.000000% 0.~~709220~~735294% 0.~~492160~~591497% 0.000000% 0.000000% 0.000000% 0.~~492160~~591497%

OTHER INFORMATION Current Period Class A Insufficient Funds 0.00 Principal Balance of Contaminated Properties 0.00 Periodic Advance 4944,~~199~~186.5182

COLLATERAL STATEMENT Collateral Description Mixed ARM Weighted Average Gross Coupon 5.~~360014~~342291% Weighted Average Net Coupon 4.~~973416~~956543% Weighted Average Pass-Through Rate 4.~~969382~~952303% Weighted Average Maturity(Stepdown Calculation ) ~~355~~354 Beginning Scheduled Collateral Loan Count 1,~~491~~431 Number Of Loans Paid In Full 6053 Ending Scheduled Collateral Loan Count 1,~~431~~378 Beginning Scheduled Collateral Balance ~~701~~667,~~334~~084,~~086~~084.5824 Ending Scheduled Collateral Balance ~~667~~639,~~084~~216,~~084~~413.2470 Ending Actual Collateral Balance at 3130-~~Oct~~Nov-2004 ~~667~~639,~~233~~362,~~924~~595.7240 Monthly P &I Constant 3,~~343~~171,~~722~~639.0969 Special Servicing Fee 0.00 Prepayment Penalties 0.00 Realized Loss Amount 0.00 Cumulative Realized Loss 0.00 Scheduled Principal ~~211~~201,~~088~~841.2774 Unscheduled Principal 3427,~~038~~665,~~914~~828.0780

Group Level Collateral Statement Group Group 1 Group 2 Group 3 Collateral Description Mixed ARM Mixed ARM Mixed ARM Weighted Average Coupon Rate 5.~~223878~~205357 5.~~445706~~431559 5.~~754055~~728547 Weighted Average Net Rate 4.~~728050~~710574 5.~~195706~~181559 5.~~504055~~478547 Weighted Average Maturity ~~355~~354 354 355 ~~356~~ Beginning Loan Count ~~851~~816 ~~492~~474 ~~148~~141 Loans Paid In Full 3538 1810 75 Ending Loan Count ~~816~~778 ~~474~~464 ~~141~~136 Beginning Scheduled Balance ~~389~~369,~~708~~941,~~275~~354.4173 ~~226~~215,~~172~~885,~~499~~177.7139 8581,~~453~~257,~~311~~552.4612 Ending scheduled Balance ~~369~~350,~~941~~868,~~354~~721.7352 ~~215~~210,~~885~~053,~~177~~161.3982 8178,~~257~~294,~~552~~530.1236 Record Date 1011/3130/2004 1011/3130/2004 1011/3130/2004 Principal And Interest Constant 1,~~804~~706,~~510~~097.8464 1,~~103~~051,~~010~~658.8251 ~~436~~413,~~200~~883.4354 Scheduled Principal ~~108~~101,~~020~~366.3992 7674,~~619~~497.9768 2625,~~447~~977.9114 Unscheduled Principal 1918,~~658~~971,~~900~~266.29 105,~~210~~757,~~702~~517.3589 42,~~169~~937,~~311~~044.4362 Scheduled Interest 1,~~696~~604,~~490~~730.4572 1977,~~026,390~~160.8583 ~~409~~387,~~752~~906.5240 Servicing Fees ~~161~~152,~~023~~533.5998 4744,~~119~~976.2708 1716,~~802~~928.7766 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 1,755.3208 541.60 60.5347 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 1,~~533~~450,~~711~~441.5466 ~~978~~931,~~729~~643.9815 ~~391~~370,~~889~~917.2227 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.~~722645~~704881 5.~~192833~~178548 5.~~503205~~477654

Group Level Collateral Statement Group Total Collateral Description Mixed ARM Weighted Average Coupon Rate 5.~~360014~~342291 Weighted Average Net Rate 4.~~973416~~956543 Weighted Average Maturity ~~355~~354 Beginning Loan Count 1,~~491~~431 Loans Paid In Full 6053 Ending Loan Count 1,~~431~~378 Beginning Scheduled Balance ~~701~~667,~~334~~084,~~086~~084.5824 Ending scheduled Balance ~~667~~639,~~084~~216,~~084~~413.2470 Record Date 1011/3130/2004 Principal And Interest Constant 3,~~343~~171,~~722~~639.0969 Scheduled Principal ~~211~~201,~~088~~841.2774 Unscheduled Principal 3427,~~038~~665,~~914~~828.0780 Scheduled Interest 32,~~132~~969,~~633~~797.8295 Servicing Fees ~~225~~214,~~945~~438.6372 Master Servicing Fees 0.00 Trustee Fee 0.00 FRY Amount 0.00 Special Hazard Fee 0.00 Other Fee 2,357.4515 Pool Insurance Fee 0.00 Spread Fee 1 0.00 Spread Fee 2 0.00 Spread Fee 3 0.00 Net Interest 2,~~904~~753,~~330~~002.7408 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.~~969382~~952303

Miscellaneous Reporting Group Group 1 Average Loss Severity 0.000000% Senior Percentage 95.~~465858~~224911% Senior Prepayment Percentage 100.000000% Subordinate Percentage 4.~~534142~~775089% Subordinate Prepayment Percentage 0.000000% Group Group 2 Average Loss Severity 0.000000% Senior Percentage 95.~~614565~~407148% Senior Prepayment Percentage 100.000000% Subordinate Percentage 4.~~385435~~592852% Subordinate Prepayment Percentage 0.000000% Group Group 3 Average Loss Severity 0.000000% Senior Percentage 95.~~465179~~232498% Senior Prepayment Percentage 100.000000% Subordinate Percentage 4.~~534821~~767502% Subordinate Prepayment Percentage 0.000000%

Filing Compare · BEAR STEARNS ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES 2004-6