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Merrill Lynch Mortgage Investors Trust, Mortgage Loan Asset-Backed Certificates, Series 2006-FM1 – ‘10-K’ for 12/31/06 – ‘EX-33.A’

On:  Friday, 3/30/07, at 11:32am ET   ·   For:  12/31/06   ·   Accession #:  1136999-7-576   ·   File #:  333-130545-15

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  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

 3/30/07  Merrill Lynch Mtge Inve… 2006-FM1 10-K       12/31/06   12:452K                                   Lasalle Bank NA/FA

Annual Report   —   Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K        Merrill Lynch 2006-Fm1 Form 10-K                    HTML     45K 
 3: EX-33.A     Assessment of Compliance, Wilshire Credit           HTML     68K 
                          Corporation, as Servicer                               
 4: EX-33.B     Assessment of Compliance, Lasalle Bank N.A., as     HTML     85K 
                          Trustee                                                
 5: EX-33.C     Assessment of Compliance, Wells Fargo Bank          HTML     17K 
                          National Association, as Custodian                     
 6: EX-33.D     Assessment of Compliance, Landamerica Tax and       HTML     14K 
                          Flood Services, Inc., as Servicing                     
                          Function Participant                                   
 7: EX-34.A     Attestation Report on Assessment of Compliance,     HTML     20K 
                          Wilshire Credit Corporation, as Servicer               
 8: EX-34.B     Attestation Report on Assessment of Compliance,     HTML     14K 
                          Lasalle Bank N.A., as Trustee                          
 9: EX-34.C     Attestation Report on Assessment of Compliance,     HTML     16K 
                          Wells Fargo Bank National Association,                 
                          as Custodian                                           
10: EX-34.D     Attestation Report on Assessment of Compliance,     HTML     14K 
                          Landamerica Tax and Flood Services,                    
                          Inc., as Servicing Function Participant                
11: EX-35.A     Servicer Compliance Statement, Wilshire Credit      HTML     18K 
                          Corporation, as Servicer                               
12: EX-35.B     Servicer Compliance Statement, Lasalle Bank N.A.,   HTML     12K 
                          as Trustee                                             
 2: EX-31       Merrill Lynch 2006-Fm1 Sarbanes Oxley               HTML     18K 
                          Certification

EX-33.A   —   Assessment of Compliance, Wilshire Credit Corporation, as Servicer

This Exhibit is an HTML Document rendered as filed.  [ Alternative Formats ]

  Assessment of Compliance, Wilshire Credit Corporation, as Servicer  
 C:   C:   C:   C: 

Management’s Assessment on Compliance with Item 1122 Criteria

1. Wilshire Credit Corporation (“Wilshire”) is responsible for assessing compliance with the servicing criteria applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of and for the 12-month period ending December 31, 2006 (the “Reporting Period”) as set forth in Appendix A hereto. The transactions covered by this report are attached hereto as Appendix B and include asset-backed securities transactions for which Wilshire has acted as a servicer involving residential mortgage loans (the “Platform”).

2. Wilshire has engaged certain vendors (the “Vendors”) to perform specific, limited or scripted activities, and Wilshire elects to take responsibility for assessing compliance with the servicing criteria or portion of the servicing criteria applicable to such Vendors’ activities as set forth in Appendix A hereto;

3. Except as set forth in paragraph 5 below, Wilshire used the criteria set forth in paragraph (d) of Item 1122 of Regulation AB to assess the compliance with the applicable servicing criteria;

4. The criteria listed in the column titled “Inapplicable Servicing Criteria” on Appendix A hereto are inapplicable to Wilshire based on the activities it performs, directly or through its Vendors, with respect to the Platform;

5. Wilshire has complied, in all material respects, with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole, except that for one of the forty-five loan payoffs selected for testing, Wilshire calculated the prepayment charge in accordance with the related mortgage note, but transposed the numbers when entering the charge into Wilshire’s system, resulting in an overcharge to the borrower. The error has been corrected and the overcharge has been refunded to the borrower. 

6. Wilshire has not identified and is not aware of any material instance of noncompliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole;

7. Wilshire has not identified any material deficiency in its policies and procedures to monitor the compliance by the Vendors with the applicable servicing criteria as of December 31, 2006 and for the Reporting Period with respect to the Platform taken as a whole; and

8. Deloitte & Touche LLP, a registered public accounting firm, has issued an attestation report on Wilshire's assessment of compliance with the applicable servicing criteria for the Reporting Period.

DATE: February 28, 2007
Wilshire Credit Corporation
By:      /s/ Ken Frye
Ken Frye
Senior Vice President, Loan Servicing
 
APPENDIX A
 

SERVICING CRITERIA
APPLICABLE
SERVICING CRITERIA
INAPPLICABLE
SERVICING
CRITERIA*
Reference
Criteria
Performed
by
Wilshire
Performed by
Vendor(s) for which Wilshire is the Responsible Party
  
 
General Servicing Considerations
      
1122(d)(1)(i)
Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.
X1
    
1122(d)(1)(ii)
If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing activities.
X
    
1122(d)(1)(iii)
Any requirements in the transaction agreements to maintain a back-up servicer for the mortgage loans are maintained.
    
X
1122(d)(1)(iv)
A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and otherwise in accordance with the terms of the transaction agreements.
X
    
 
Cash Collection and Administration
      
1122(d)(2)(i)
Payments on pool assets are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other number of days specified in the transaction agreements.
X2 
X3
  
1122(d)(2)(ii)
Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.
X4
    
1122(d)(2)(iii)
Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the transaction agreements.
X
    
1122(d)(2)(iv)
The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling of cash) as set forth in the transaction agreements.
X5 
    
1122(d)(2)(v)
Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally insured depository institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act.
X6 
    
1122(d)(2)(vi)
Unissued checks are safeguarded so as to prevent unauthorized access.
X
    
1122(d)(2)(vii)
Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are (A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements.
X7
    
 
Investor Remittances and Reporting
      
1122(d)(3)(i)
Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of mortgage loans serviced by the Servicer.
X8
    
1122(d)(3)(ii)
Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.
X9
    
1122(d)(3)(iii)
Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements.
X
    
1122(d)(3)(iv)
Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.
X10
    
 
Pool Asset Administration
      
1122(d)(4)(i)
Collateral or security on pool assets is maintained as required by the transaction agreements or related mortgage loan documents.
X
    
1122(d)(4)(ii)
Pool assets and related documents are safeguarded as required by the transaction agreements
X11
    
1122(d)(4)(iii)
Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements.
X12 
    
1122(d)(4)(iv)
Payments on pool assets, including any payoffs, made in accordance with the related pool asset documents are posted to the Servicer’s obligor records maintained no more than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related pool asset documents.
X
    
1122(d)(4)(v)
The Servicer’s records regarding the pool assets agree with the Servicer’s records with respect to an obligor’s unpaid principal balance.
X
    
1122(d)(4)(vi)
Changes with respect to the terms or status of an obligor's pool asset (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the transaction agreements and related pool asset documents.
X
    
1122(d)(4)(vii)
Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and concluded in accordance with the timeframes or other requirements established by the transaction agreements.
X
    
1122(d)(4)(viii)
Records documenting collection efforts are maintained during the period a pool asset is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent mortgage loans including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency is deemed temporary (e.g., illness or unemployment).
X
    
1122(d)(4)(ix)
Adjustments to interest rates or rates of return for pool assets with variable rates are computed based on the related mortgage loan documents.
X
    
1122(d)(4)(x)
Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s pool asset documents, on at least an annual basis, or such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable pool asset documents and state laws; and (C) such funds are returned to the obligor within 30 calendar days of full repayment of the related pool asset, or such other number of days specified in the transaction agreements.
X
    
1122(d)(4)(xi)
Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such payments, provided that such support has been received by the Servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements.
X13 
    
1122(d)(4)(xii)
Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the Servicer’s funds and not charged to the obligor, unless the late payment was due to the obligor’s error or omission.
X14  
    
1122(d)(4)(xiii)
Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the Servicer, or such other number of days specified in the transaction agreements.
X
    
1122(d)(4)(xiv)
Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.
X
    
1122(d)(4)(xv)
Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements.
    
X
1 Wilshire institutes policies and procedures to only monitor any performance or event of default it is responsible for monitoring pursuant to the transaction agreements.
2 Wilshire performs the criterion 1122(d)(2)(i) except for the lockbox function, which is a specific, limited activity. Wilshire retains a vendor to perform the lockbox function. Wilshire is only responsible for those custodial accounts held by it as specified in the transaction agreements.
3 Wilshire retains a vendor to perform the lockbox function, which is a specific, limited activity. Wilshire is the responsible party for the lockbox function.
4 Wilshire does not disburse funds to the certificateholders.
5 Wilshire only maintains custodial accounts it is responsible for as set forth in the transaction agreements.
6 Wilshire only maintains custodial accounts it is responsible for as set forth in the transaction agreements.
7 Wilshire only performs reconciliations for those asset-backed securities bank accounts it is responsible for in the transaction agreements.
8 Wilshire only maintains reports it is responsible for as specified in the transaction agreements. Wilshire does not provide reports to the certificateholders or file reports with the Commission.
9 Wilshire only allocates and makes available loan payments to the Master Servicer pursuant to its responsiblities under the transaction agreements. Wilshire is not responsible for the allocation or remittance of funds to certificateholders.
10 Wilshire only remits funds and provides certain investor reports to the Master Servicer pursuant to its responsibilities in the transaction agreements. Wilshire does not disburse funds to the certificateholders.
11 Wilshire safeguards only the pool assets and related documents it receives pursuant to the transaction agreements.
12 Wilshire only facilitates the Master Servicer in making certain additions, removals or substitutions to the asset pool. The Master Servicer reviews and approves addtions, removals or substitutions to the asset pool.
13 Wilshire performs the criteria in 1122(d)(4)(xi) for certain loans in the Platform.  For all other loans in the Platform, Wilshire retains a property tax payment provider to perform the servicing criteria 1122(d)(4)(i).  The property tax payment provider has provided an assessment of compliance and accountants attestation for servicing criteria 1122(d)(4)(i).
14 Wilshire performs the criteria in 1122(d)(4)(xii) for certain loans in the Platform.  For all other loans in the Platform, Wilshire retains a property tax payment provider to perform the servicing criteria 1122(d)(4)(xii).  The property tax payment provider has provided an assessment of compliance and accountants attestation for servicing criteria 1122(d)(4)(xii).
WILSHIRE CREDIT CORPORATION, SERVICER
2006 SECURITIES LISTING
Exhibit to Regulation AB Attestation and Management Assertion

   
Appendix B
Pool
Description
Verbiage
436
MLMI 2006-SL1
Pooling & Servicing Agreement dated as of January 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-SL1
576
RFC MASTER SERVICED
2006-RP1, 2006-RP2, 2006-RP3, 2006-RP4, 2006-SP1, 2006-SP2, 2006-SP3, 2006-SP4
623
MLMI 2006-HE1
Pooling & Servicing Agreement dated as of January 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Wells Fargo Bank, N.A., Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-HE1
628
MLMI 2006-WMC1
Pooling & Servicing Agreement dated as of January 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Wells Fargo Bank, N.A., Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-WMC1
635
CSFB HEMT 2006-1
Pooling & Servicing Agreement dated as of February 1, 2006 between Credit Suisse First Boston Mortgage Securities Corp., Depositor, DLJ Mortgage Capital, Inc., Seller, Wilshire Credit Corporation, Servicer, Ocwen Loan Servicing, LLC, Servicer, Select Portfolio Servicing, Inc., Special Servicer and U.S. Bank National Association, Trustee for the Home Equity Mortgage Trust Series 2006-1
636
MLMI 2006-RM1
Pooling & Servicing Agreement dated as of January 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-RM1
637
MLMI 2006-WMC2
Pooling & Servicing Agreement dated as of March 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-WMC2
639
MLMI 2006-HE2
Pooling & Servicing Agreement dated as of March 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-HE2
643
MLMI 2006-AR1
Pooling & Servicing Agreement dated as of April 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-AR1
644
CSFB HEMT 2006-2
Servicing Agreement dated as of April 28, 2006 between Wilshire Credit Corporation, Servicer, Ocwen Loan Servicing, LLC, Servicer, PNC Bank, N.A., Servicer, Select Portfolio Servicing, Inc., Special Servicer Home Equity Mortgage Trust 2006-2, Issuer and U.S. Bank National Association, Indenture Trustee
652
MLMI 2006-RM2
Pooling & Servicing Agreement dated as of May 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-RM2
653
CSFB HEMT 2006-3
Pooling & Servicing Agreement dated as of June 1, 2006 between Credit Suisse First Boston Mortgage Securities Corp., Depositor, DLJ Mortgage Capital, Inc., Seller, Wilshire Credit Corporation, Servicer, Ocwen Loan Servicing, LLC, Servicer, Select Portfolio Servicing, Inc., Servicer and Special Servicer and U.S. Bank National Association, Trustee for the Home Equity Mortgage Trust Series 2006-3
657
MLMI 2006-AHL1
Pooling & Servicing Agreement dated as of June 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-AHL1
659
MLMI 2006-HE3
Pooling & Servicing Agreement dated as of June 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-HE3
660
MLMI 2006-FM1
Pooling & Servicing Agreement dated as of June 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-FM1
665
MLMI 2006-SL2
Pooling & Servicing Agreement dated as of July 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-SL2
669
MLMI 2006-HE4
Pooling & Servicing Agreement dated as of July 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-HE4
674
MLMI 2006-SD1
Pooling & Servicing Agreement dated as of August 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-SD1
676
MLMI 2006-HE5
Pooling & Servicing Agreement dated as of September 1, 2006, between Merrill Lynch Mortgage Investors, Inc., Depositor, LaSalle Bank National Association, Master Servicer and Securities Administrator, Indymac Bank, FSB, Servicer, Wilshire Credit Corporation, Servicer, and Citibank, N.A., Trustee for MLMI 2006-HE5
679
MLMI 2006-MLN1
Pooling & Servicing Agreement dated as of September 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-MLN1
680
MLMI 2006-RM4
Pooling & Servicing Agreement dated as of September 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-RM4
685
MLMI 2006-RM5
Pooling & Servicing Agreement dated as of October 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-RM5
689
MLMI 2006-HE6
Pooling & Servicing Agreement dated as of Decmeber 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and Lasalle Bank National Association, Trustee for the Merrill Lynch Mortgage Investors Trust, Series 2006-HE6
1406
MLMI SURF 2006-AB1
Pooling & Servicing Agreement dated as of February 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-AB1
1407
MLMI SURF 2006-BC1
Pooling & Servicing Agreement dated as of February 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-BC1
1408
MLMI SURF 2006-BC2
Pooling & Servicing Agreement dated as of March 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-BC2
1409
MLMI SURF 2006-BC3
Pooling & Servicing Agreement dated as of June 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-BC3
1410
MLMI SURF 2006-AB2
Pooling & Servicing Agreement dated as of May 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-AB2
1411
MLMI SURF 2006-AB3
Pooling & Servicing Agreement dated as of September 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-AB3
1412
MLMI SURF 2006-BC4
Pooling & Servicing Agreement dated as of September 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-BC4
1413
MLMI SURF 2006-BC5
Pooling & Servicing Agreement dated as of November 1, 2006 between Merrill Lynch Mortgage Investors, Inc., Depositor, Wilshire Credit Corporation, Servicer, and U.S. Bank National Association, Trustee for SURF 2006-BC5

Dates Referenced Herein

This ‘10-K’ Filing    Date    Other Filings
Filed on:3/30/07None on these Dates
2/28/07
For Period End:12/31/06
11/1/06
10/1/06
9/1/06
8/1/06
7/1/06
6/1/06
5/1/06
4/28/06
4/1/06
3/1/06
2/1/06
1/1/06
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