8-K 1 bst04010_dec.txt DECEMBER 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): December 27, 2004 BEAR STEARNS ARM TRUST Mortgage Pass-Through Certificates, Series 2004-10 Trust (Exact name of registrant as specified in its charter) New York (governing law of 333-115122-29 Pooling and Servicing Agreement) (Commission 54-2163749 (State or other File Number) 54-2163750 jurisdiction 54-2163751 of Incorporation) 54-2163752 54-2163753 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 BEAR STEARNS ARM TRUST, Mortgage Pass-Through Certificates, Series 2004-10 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 2004-10 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 2004-10 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: 1/3/05 INDEX TO EXHIBITS Exhibit Number Description EX-99.1 Monthly report distributed to holders of Mortgage Pass-Through Certificates, Series 2004-10 Trust, relating to the December 27, 2004 distribution. EX-99.1

~~Delaware~~Bear ~~333~~Stearns ARM Trust Mortgage Pass-~~115122~~Through Certificates Record Date: 11/30/04 Distribution Date: 12/27/04 Bear Stearns ARM Trust Mortgage Pass-~~0183252~~Through Certificates Series 2004-10 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-1-A-1 07384M3X8 SEN 4.45995% 238,981,000.00 888,133.94 3,375,816.85 I-2-A-1 07384M3Y6 SEN 4.74361% 25,000,000.00 98,825.23 131,315.72 I-2-X-1 07384M3Z3 SEN 0.21500% 0.00 4,479.17 0.00 I-2-A-2 07384M4A7 SEN 4.59961% 25,000,000.00 95,825.23 131,315.72 I-2-X-2 07384M4B5 SEN 0.35900% 0.00 7,479.17 0.00 I-2-A-3 07384M4C3 SEN 4.74361% 320,927,000.00 1,268,627.35 1,685,710.44 I-2-X-3 07384M4D1 SEN 0.21500% 0.00 57,499.42 0.00 I-2-A-4 07384M5X6 SEN 4.95861% 18,000,000.00 74,379.16 94,547.32 I-2-A-5 ~~(STATE~~07384M5Y4 ORSEN ~~OTHER~~4.95861% ~~JURISDICTION~~33,000,000.00 ~~(COMMISSION~~136,361.80 (173,336.75 I-2-A-6 07384M5Z1 SEN 4.R95861% 1,337,000.S00 5,524.72 ~~EMPLOYER~~7,022.76 OFI-3-A-1 ~~INCORPORATION)~~07384M4E9 ~~FILE~~SEN ~~NUMBER)~~5.05229% ~~IDENTIFICATION~~132,768,000.00 NO558,985.)29 715,221.73 I-4-A-1 07384M4F6 SEN 5.39710% 182,929,000.00 822,738.89 2,052,811.48 I-5-A-1 07384M4G4 SEN 4.72337% 196,454,000.00 773,270.46 9,898,258.38 II-1-A-1 07384M4H2 SEN 4.92858% 249,991,000.00 1,026,750.08 1,582,986.37 II-2-A-1 07384M4J8 SEN 5.03000% 74,961,000.00 314,211.48 42,427.83 II-3-A-1 07384M4K5 SEN 5.43365% 173,152,000.00 784,039.12 3,080,592.85 III-1-A-1 07384M4L3 SEN 4.30523% 87,688,000.00 314,597.30 1,531,977.23 III-2-A-1 07384M4M1 SEN 4.94575% 138,636,000.00 571,383.11 ~~Madison~~6,205,088.36 ~~Avenue~~I-M-1 ~~New~~07384M6A5 ~~York~~SEN 4.89667% 12,520,000.00 ~~New~~51,087.83 ~~York~~5,260.89 ~~10l79~~I-B-1 07384M4T6 SUB 4.89667% 11,896,000.00 48,541.60 4,998.69 I-B-2 07384M4U3 SUB 4.89667% 18,780,000.00 76,631.74 7,891.33 I-B-3 07384M4V1 SUB 4.89667% 13,147,000.00 53,646.30 5,524.35 I-B-4 07384M5C2 SUB 4.89667% 8,764,000.00 35,761.48 3,682.62 I-B-5 07384M5D0 SUB 4.89667% 5,634,000.00 22,989.52 2,367.40 I-B-6 07384M5E8 SUB 4.89667% 4,383,000.00 17,884.82 1,841.73 I-B-7 07384M6B3 SUB 4.89667% 2,504,147.00 10,218.17 927.69 II-B-1 07384M4W9 SUB 5.11941% 6,203,000.00 26,463.10 1,996.72 II-B-2 07384M4X7 SUB 5.11941% 4,653,000.00 19,850.53 1,497.78 II-B-3 07384M4Y5 SUB 5.11941% 3,360,000.00 14,334.36 1,081.57 II-B-4 07384M5F5 SUB 5.11941% 2,585,000.00 11,028.07 832.10 II-B-5 07384M5G3 SUB 5.11941% 1,293,000.00 5,516.17 416.21 II-B-6 ~~(ADDRESS~~07384M5H1 OFSUB ~~PRINCIPAL~~5.11941% ~~(ZIP~~776,225.00 ~~CODE)~~3,311.51 ~~EXECUTIVE~~249.86 ~~OFFICES)~~III-B-1 07384M4Z2 SUB 4.69754% 2,327,000.00 9,109.31 2,703.04 III-B-2 07384M5A6 SUB 4.69754% 1,629,000.00 6,376.91 1,892.24 III-B-3 07384M5B4 SUB 4.69754% 931,000.00 3,644.51 1,081.45 III-B-4 07384M5J7 SUB 4.69754% 814,000.00 3,186.50 945.54 III-B-5 07384M5K4 SUB 4.69754% 466,000.00 1,824.21 541.30 III-B-6 07384M5L2 SUB 4.69754% 234,148.00 916.60 271.99 R-I 07384M4N9 SEN 4.45995% 50.00 66.95 50.00 R-II 07384M4P4 SEN 4.45995% 50.00 0.19 50.00 R-III 07384M4Q2 SEN 4.45995% 50.00 0.19 50.00 R-IV 07384M4R0 SEN 4.45995% 50.00 0.19 50.00 R-V 07384M4S8 SEN 4.45995% 50.00 0.19 50.00 Totals 2,001,723,770.00 8,225,501.87 30,754,684.29

~~Item~~Certificateholder ~~601~~Distribution Summary (acontinued) ofCurrent ~~Sequentially~~Ending ~~Exhibit~~Cumulative ~~Regulation~~Realized SCertificate Total Realized Class Loss Balance Distribution Losses I-K1-A-1 ~~Numbered~~0.00 ~~Number~~235,605,183.15 ~~Exhibit~~4,263,950.79 No0.00 ~~Description~~I-2-A-1 ~~Page~~0.00 24,868,684.28 230,140.95 0.00 I-2-X-1 0.00 0.00 4,479.17 0.00 I-2-A-2 0.00 24,868,684.28 227,140.95 0.00 I-2-X-2 0.00 0.00 7,479.17 0.00 I-2-A-3 0.00 319,241,289.56 2,954,337.79 0.00 I-2-X-3 0.00 0.00 57,499.42 0.00 I-2-A-4 0.00 17,905,452.68 168,926.48 0.00 I-2-A-5 0.00 32,826,663.25 309,698.55 0.00 I-2-A-6 0.00 1,329,977.24 12,547.48 0.00 I-3-A-1 0.00 132,052,778.27 1,274,207.02 0.00 I-4-A-1 0.00 180,876,188.52 2,875,550.37 0.00 I-5-A-1 0.00 186,555,741.62 10,671,528.84 0.00 II-1-A-1 0.00 248,408,013.63 2,609,736.45 0.00 II-2-A-1 0.00 74,918,572.17 356,639.31 0.00 II-3-A-1 0.00 170,071,407.15 3,864,631.97 0.00 III-1-A-1 0.00 86,156,022.77 1,846,574.53 0.00 III-2-A-1 0.00 132,430,911.64 6,776,471.47 0.00 I-M-1 0.00 12,514,739.11 56,348.72 0.00 I-B-1 0.00 11,891,001.31 53,540.29 0.00 I-B-2 0.00 18,772,108.67 84,523.07 0.00 I-B-3 0.00 13,141,475.65 59,170.65 0.00 I-B-4 0.00 8,760,317.38 39,444.10 0.00 I-B-5 0.00 5,631,632.60 25,356.92 0.00 I-B-6 0.00 4,381,158.27 19,726.55 0.00 I-B-7 0.00 2,503,219.31 11,145.86 0.00 II-B-1 0.00 6,201,003.28 28,459.82 0.00 II-B-2 0.00 4,651,502.22 21,348.31 0.00 II-B-3 0.00 3,358,918.43 15,415.93 0.00 II-B-4 0.00 2,584,167.90 11,860.17 0.00 II-B-5 0.00 1,292,583.79 5,932.38 0.00 II-B-6 0.00 775,975.14 3,561.37 0.00 III-B-1 0.00 2,324,296.96 11,812.35 0.00 III-B-2 0.00 1,627,107.76 8,269.15 0.00 III-B-3 0.00 929,918.55 4,725.96 0.00 III-B-4 0.00 813,054.46 4,132.04 0.00 III-B-5 0.00 465,458.70 2,365.51 0.00 III-B-6 0.00 233,876.01 1,188.59 0.00 R-I 0.00 0.00 116.95 0.00 R-II 0.00 0.00 50.19 0.00 R-III 0.00 0.00 50.19 0.00 R-IV 0.00 0.00 50.19 0.00 R-V 0.00 0.00 50.19 0.00 Totals 0.00 1,970,969,085.71 38,980,186.16 0.00 All distributions required by the Pooling and Servicing Agreement 5have been calculated by the Certificate Administrator on behalf of the Trustee.

Filing Compare · Bear Stearns ARM Trust 2004-10