SEC Form 4
FORM 4 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
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 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
1. Name and Address of Reporting Person*
KONRATH JAMES
(Last) (First) (Middle)
15090 AVENUE OF SCIENCE
(Street)
SAN DIEGO CA 92128
(City) (State) (Zip)
2. Issuer Name and Ticker or Trading Symbol
ACCREDITED HOME LENDERS HOLDING CO [ LEND ] 		5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
X Director 10% Owner
X Officer (give title below) Other (specify below)
Chairman And CEO
3. Date of Earliest Transaction (Month/Day/Year)
11/30/2005
4. If Amendment, Date of Original Filed (Month/Day/Year)
 6. Individual or Joint/Group Filing (Check Applicable Line)
X Form filed by One Reporting Person
Form filed by More than One Reporting Person
Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 11/30/2005 G 84,072 D $44.85 74,130 I by JAK Trust(1)
Common Stock 11/30/2005 G 37,065 A $44.85 111,195(2) I by JAK Trust
Common Stock 11/30/2005 G 37,065 A $44.85 148,260(3) I by JAK Trust
Common Stock 11/30/2005 G 84,072 A $44.85 232,332(4) I by JAK Trust
Common Stock 11/30/2005 G 37,065 D $44.85 195,267 I by JAK Trust(5)
Common Stock 11/30/2005 G 37,065 D $44.85 158,202 I by JAK Trust(6)
Common Stock 11/30/2005 G 40,525 A $44.85 198,727(4) I by JAK Trust
Common Stock 11/30/2005 G 40,525 D $44.85 51,273 I by JAK Trust 2(7)
Common Stock 11/30/2005 G 84,072 A $44.85 242,274(8) I by JBK Trust
Common Stock 11/30/2005 G 37,065 D $44.85 205,209 I by JBK Trust(9)
Common Stock 11/30/2005 G 37,065 D $44.85 168,144 I by JBK Trust(10)
Common Stock 11/30/2005 G 84,072 D $44.85 84,072 I by JBK Trust(11)
Common Stock 11/30/2005 G 37,065 A $44.85 121,137(2) I by JBK Trust
Common Stock 11/30/2005 G 37,065 A $44.85 158,202(3) I by JBK Trust
Common Stock 11/30/2005 G 40,526 A $44.85 198,728(8) I by JBK Trust
Common Stock 11/30/2005 G 40,526 D $44.85 51,272 I by JBK Trust 2(12)
Common Stock 1,352,660 I by Family Trust(13)
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year) 3A. Deemed Execution Date, if any (Month/Day/Year) 4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year) 7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V (A) (D) Date Exercisable Expiration Date Title Amount or Number of Shares
Explanation of Responses:
1. Transfer of common shares from JoAnne Konrath Annuity Trust No. 1 to JoAnne Konrath Trust No. 3 U/A dated 11-13-2003.
2. James A. Konrath and JoAnne B. Konrath, Trustees, Trust for Children FBO Jamie Lynn Konrath U/A dated 11-13-03.
3. James A. Konrath and JoAnne B. Konrath, Trustees, Trust for Children FBO Nicole Marie Konrath U/A dated 11-13-03.
4. James A. Konrath and JoAnne B. Konrath, Trustees, James A Konrath Annuity Trust No. 3, U/A dated 11-13-03.
5. Transfer of common shares from James A Konrath Annuity Trust No. 1 to Trust for Children FBO Jamie Lynn Konrath U/A dated 11-13-2003.
6. Transfer of common shares from James A Konrath Annuity Trust No. 1 to Trust for Children FBO Nicole Marie Konrath U/A dated 11-13-2003.
7. Transfer of common shares from James A. Konrath Annuity Trust No. 2 to James A. Konrath Annuity Trust No. 3 U/A dated 11-13-2003.
8. James A. Konrath and JoAnne B. Konrath, Trustees, JoAnne B Konrath Annuity Trust No. 3 U/A dated 11-13-03.
9. Transfer of common shares from JoAnne B. Konrath Annuity Trust No. 1 to Trust for Children FBO Jamie Lynn Konrath U/A dated 11-13-2003.
10. Transfer of common shares from JoAnne B. Konrath Annuity Trust No. 1 to Trust for Children FBO Nicole Marie Konrath U/A dated 11-13-2003.
11. Transfer of common shares from James A. Konrath Annuity Trust No. 1 to James A. Konrath Annuity Trust No. 3 U/A dated 11-13-2003.
12. Transfer of common shares from JoAnne Konrath Annuity Trust No. 2 to JoAnne Konrath Trust No. 3 U/A dated 11-13-2003.
13. James A. Konrath and Joanne B. Konrath, Trustees Konrath Family Trust dated November 13, 2003.
By: Mark Lee Attorney-in-Fact For: James A Konrath 12/01/2005
** Signature of Reporting Person Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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