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(Click for frequent words.) 56 FHLBI 55 SY Bancorp 54 FMBI 54 Capstead 54 loan participations 54 NRUCFC 54 AgStar 53 GSEs 53 CRIIMI MAE 51 Gramercy Realty 51 PrivateBancorp 50 CapitalSource 50 Bimini Capital 50 SFSB Inc. 50 Agency MBS 50 FHLBanks 50 Sonabank 50 SBLF 50 SLHCs 50 Vestin Realty Mortgage 49 depository institutions 49 FHLBNY 49 CharterMac 49 MuniMae 49 Impac Mortgage 49 Fieldstone Investment 49 BPPR 49 CBRE Realty Finance 49 securitization trusts 49 FFELP student 49 securitizer 49 AmericanWest Bancorporation 48 FHLMC preferred stock 48 Quaint Oak Bancorp 48 RMIC 48 Annaly 48 Triad Guaranty 48 NCB FSB 48 LoanCare 48 StanCorp 48 BankFinancial 48 FNLC 48 BancTrust 48 securitizations 48 Freddie Mac 48 Parke Bancorp 48 FBL Financial Group 48 OTTI charges 48 Kohlberg Capital 48 MutualFirst 47 backed securities 47 securitized pools 47 originations 47 WGNB Corp. 47 NewStar 47 1ST Constitution 47 Intervest Bancshares Corporation 47 PTPP 47 Assured Guaranty 47 Anworth 47 conforming mortgages 47 TARP CPP 47 Inc. NASDAQ MBHI 47 CreXus Investment Corp. 47 subserviced 47 CTT Holdings 47 ResMAE 47 EastGroup 47 MBIA 47 First Busey 47 LibertyBank Acquisition 47 Fauquier Bankshares Inc. 47 NovaStar 47 FDIC Temporary Liquidity 47 AMERISAFE 47 Radian Asset 47 First BanCorp 47 LSB Bancshares 47 CMG MI 47 Carfinco 46 FirstCity 46 C BASS 46 FSAH 46 mortgage loan originations 46 adequately collateralized 46 ARCap 46 Plumas Bancorp 46 principal paydowns 46 Ocwen Financial Corporation 46 Rurban 46 CREL CDOs 46 MBS AFS 46 TierOne Corporation 46 Ameris Bancorp 46 iStar Financial 46 AmericasBank 46 Nasdaq FBSS 46 insured depository institutions 46 Fauquier Bankshares 46 guaranty insurers 46 GAFRI 46 nonperforming assets 46 Triad Guaranty Inc. 46 Navios Acquisition 46 DuPont Fabros Technology 46 residential mortgage originations 46 YNB 46 AAAmmf 46 Home BancShares 46 Genworth MI Canada 46 resecuritization 46 Cooperative Bankshares 46 FHLBB 46 ABCW 46 HomeBanc Mortgage 46 securities TruPS 46 Beneficial Mutual Bancorp 46 ResCap 46 BSHSI 46 Anworth Mortgage Asset 46 Highland Distressed Opportunities 46 FCSAmerica 46 Luminent 46 ARM MBS 46 Kevin T. Kabat 46 NYSE FRE 46 nonaccrual loans 46 WFSL 46 CountryPlace 46 charge offs 45 NAIC 45 BACM #-# 45 AmeriCredit 45 Asta Funding 45 Sterling Bancshares 45 InterNotes 45 QCRH 45 Dan Berce 45 AgFeed 45 TALF 45 nonperforming assets NPAs 45 CTIMCO 45 Fannie 45 securitized loans 45 Ameriana Bancorp 45 FreddieMac 45 GT Solar Holdings 45 Xenith Corporation 45 Santander BanCorp 45 Opteum 45 ultrashort bond 45 MutualFirst Financial 45 RMR Funds 45 RMBS 45 nonperforming asset 45 Radian 45 Wintrust Financial 45 Peter Niculescu 45 CMBS collateral 45 EquiTrust 45 Syncora Holdings Ltd. 45 Asset Backed Securitization 45 BPFH 45 nonaccruing loans 45 NYSE FFG 45 Congressionally chartered wholesale 45 unsecuritized 45 HomeStreet 45 PennantPark Investment 45 RenaissanceRe 45 nonperforming residential 45 BEO Bancorp 45 FNMA FHLMC 45 UPFC 45 Aquilex 45 capitalized minimums 45 MainStreet Lender 45 Guaranty Bancorp 45 FFEL Program 45 NYSE CSE 45 Northrim BanCorp 45 UCFC 45 MGIC 45 Loan EIDL program 45 OTTI 45 UBNK 45 loan outstandings 45 Dominic Frederico President 45 Adjustable Rate Mortgages ARMs 45 readily determinable 45 paydowns 45 GEOSmart 45 IRET 45 Nationstar 45 RAIT 45 FNB Corporation 45 NASDAQ CCRT 45 StellarOne 45 FNMA preferred 45 NYSE JRT 45 FHFB 45 CapLease 45 Middlefield Banc Corp. 45 TruPS 45 VPBM 45 EPIQ Systems 45 Westamerica 45 Anthony Buddy Piszel 44 EvergreenBank 44 AHML 44 nonprime mortgages 44 AmericasBank Corp. 44 Conversus 44 Loan originations 44 loans receivable 44 Provident Bankshares 44 PremierWest 44 Vestin Fund 44 FHLBank Cincinnati 44 FIBK 44 CompuCredit Corporation 44 RAIT Financial Trust 44 PVTB 44 NLASCO 44 Capstead Mortgage 44 Liquidation Preference 44 CDFIs 44 Program TLGP 44 HomeBanc Mortgage Corporation 44 Premierwest Bancorp 44 Freddie Mac FMCC 44 PacWest Bancorp 44 dealer floorplan 44 CVB Financial 44 Syringa Bank 44 Tangible Common Equity 44 GSC Investment 44 Colonial BancGroup 44 LIBOR indexed 44 CalFirst Bancorp 44 Mortgage Guaranty 44 AGNC 44 GSE 44 CoBank 44 loan originations 44 FNMA 44 MFA Mortgage 44 Filtran Microcircuits Inc. 44 Previously Securitized Loans 44 THL Credit 44 Genworth 44 HECM 44 Centrue 44 Ginnie Mae MBS 44 Intervest National 44 NovaStar Mortgage 44 Leverage Tier 44 Fannie Mae 44 EIDLs 44 noninterest bearing deposit 44 MHESAC 44 Radian Guaranty 44 TriCo Bancshares 44 UBSH 44 hybrid adjustable 44 Blackrock NYSE BLK 44 Assured Guaranty Ltd. 44 CREL CDO 44 L. Phillip Humann 44 LendingTree Loans 44 Impac Mortgage Holdings 44 Petrotemex 44 mortgage loan fundings 44 ESCO Technologies 44 SF CDO 44 Principal LifeTime 44 RMBS CDOs 44 CREBs 44 Inc. Nasdaq APAB 44 Fannie Mae DUS 44 Jimmy Tallent 44 Ameris Bancorp ABCB 44 RiverSource Investments LLC 44 Servicer Ratings 44 BCLOC 44 Appix 44 FirstMortgage Inc. 44 CRE loans 44 nonprime mortgage 44 nonprime residential 44 Anthracite Capital 44 Peoples Bancorp 44 MFB Corp 44 Santa Clarita OTCBB BSCA 44 FULT 44 Radian Asset Assurance 44 Quadriserv 44 Segmentz 44 Chief Executive Richard Syron 44 Merchants Bancshares 44 FirstCity Financial 44 JMP Credit 44 Syncora 44 StanCorp Mortgage Investors 44 GNMA 44 Umpqua Holdings 44 subservicer 44 Lifeco Split Corporation 44 noninterest bearing deposits 44 AGF Trust 44 ARCap #-# 44 EOn Communications 44 Del Monte DLM 43 SCVBank 43 Ofheo 43 loan fundings 43 PXRE 43 AmeriVest 43 Citadel SMaRT 43 Anand Nallathambi president 43 Ferrellgas LP 43 subprime RMBS 43 Schwab YieldPlus Funds 43 Central Pacific HomeLoans 43 socially disadvantaged farmers 43 TWO.WS 43 Southside Bancshares 43 Millennium Bankshares 43 Greg Garrabrants 43 Enogex 43 ALLL 43 MortgageIT Holdings 43 IBERIABANK fsb 43 Preferred Blocker 43 MMFs 43 Intersections INTX 43 Alpha Innotech 43 Triad Advisors 43 PLAR 43 AMCON Distributing Company 43 net chargeoffs 43 HomeComings Financial Network 43 DebtX 43 NASDAQ BNCL 43 Healthcare REIT 43 www.aig.com 43 FHA 43 Cowlitz Bancorporation 43 Acorn Factor 43 Renasant Corporation 43 HWFG 43 ResCap GMAC 43 Nasdaq GBDC 43 Carl Casale 43 NYSE OCN 43 OTC FMCC 43 Joe Schierhorn 43 TICC Capital Corp. 43 HECMs 43 Analytical Surveys 43 prepayment speeds loan originations 43 Altisource 43 lien RMBS 43 CoBiz Financial 43 Encore Bancshares 43 EvergreenBancorp Inc. 43 General Donlee 43 CMHC insured mortgages 43 NewStar Financial 43 Mayflower Bancorp 43 MMIFF 43 TSFG 43 AMCORE Financial 43 Arbor Realty Trust 43 Dominic Frederico 43 Omnicare Declares Quarterly 43 EPIL II 43 AmerInst 43 Private Student Loan 43 TierOne 43 Provident Bankshares Corporation 43 Centrue Financial 43 subservicing 43 FFELP 43 Thomas J. Bisko 43 unitholder distributions 43 ONEOK Partners OKS 43 FHLBs 43 OTTI charge 43 synthetic collateralized 43 Sidus Financial 43 UAP Holding Corp. 43 FMFC 43 MEFA 43 BancGroup 43 W. Moorhead Vermilye 43 NASDAQ TGIC 43 TIAA 43 RMBS Servicer Ratings 43 Biorefinery Assistance Program 43 Excel Maritime 43 RIFCO 43 Originations 43 Mortgage Backed Securities 43 FECI 43 excluding unrealized gains 43 SF CDO exposure 43 Vestin Group 43 Capital Purchase 43 Fannie Mae FNMA 43 TCE ratio 43 YieldPlus Fund 43 Berkadia 43 Shanghai Aohong 43 PennFed 43 Alfred A. DelliBovi 43 Crisa acquisition 43 Aames Investment 43 IStar 43 AMCORE Financial Inc. 43 ALLETE Properties 43 Syringa Bancorp 43 RPS2 + 43 CompuCredit Holdings 43 GovGex 43 Indymac 43 CWSRF 43 noninterest income 43 RenRe 43 IBT Bancorp Inc. 43 Vitality Re 43 EBHI 43 SHFAs 43 KFN 43 JMP Group 43 Global Indemnity plc 43 TARP 43 HUBZone Empowerment Contracting 43 Deerfield Triarc Capital 43 Flagstar Bancorp Inc. 43 PICO Holdings 43 Temporary Guarantee 43 LTC Properties 43 SouthFirst Bancshares Inc. 43 Baylake Corp. 43 NYSE SNV 43 SHKPI 43 real estate CRE 43 OptimumBank 43 Fifth Third 43 NYSE CXS 43 BankXchange 42 MID Lender 42 HOMB 42 Alliance Bankshares 42 Re REMIC 42 BPOP 42 QELP 42 Macquarie Infrastructure Company 42 FHLBank 42 mortgage originations 42 Atlas Pipeline Partners 42 AnchorBank fsb 42 Announces Preferred Dividends 42 SCA SCA 42 TruPS CDOs 42 BAM Investments 42 RMBS collateral 42 WHEELING W.Va. WesBanco 42 Trainer Wortham 42 rated CAM2 42 securitized cardmember loans 42 www.newtekbusinessservices.com 42 Deyu Agriculture 42 WesBanco 42 Nelnet 42 NYSE FNM PRM 42 nonaccrual 42 Wilshire Bancorp 42 StellarOne Corporation 42 financial guaranty reinsurance 42 REIT TruPS CDOs 42 Privatebancorp 42 Dalian Huiming 42 downward repricing 42 SHBI 42 ASRV 42 ElderTrust 42 repo counterparties 42 LMP Corporate Loan 42 Buddy Piszel 42 NCUA 42 TLGP 42 Athilon 42 Susquehanna Bancshares 42 InterCept 42 Ms. Dressel 42 Harleysville Group 42 Mr. Wehmer 42 loss severities 42 NASDAQ IRET 42 Ascendiant 42 Ivan Wahl 42 FDIC 42 Re REMIC transactions 42 BankAnnapolis 42 NAICO 42 sibling Fannie Mae 42 Resi Servicer Ratings 42 J. Tyler Haahr 42 accretable yield 42 Edward J. Wehmer 42 BofI 42 AMLF 42 IdaCorp 42 Flotek 42 Derivative Fitch 42 borrowable resources 42 EvergreenBancorp 42 adequately capitalized 42 Prepayment speeds 42 AHMSI 42 Fannie Mae FNM 42 AmNet 42 MSRs 42 FMER 42 Iberiabank 42 SBIC 42 temporary impairment OTTI 42 Collegiate Student Loan 42 UnionBanCal Corporation 42 NYSE STU 42 APPRO 42 BCSB Bankcorp Inc. 42 payer swaptions 42 FutureFuel Corp. 42 Ambac insured 42 unsecuritized loans 42 Term Securitization 42 collateralized borrowings 42 EGLS 42 Anand Nallathambi 42 IStar Financial 42 HRBFA 42 Criimi Mae 42 Countrywide 42 Primary Servicer Rating 42 Bodisen 42 Harleysville Savings Financial 42 EntreMetrix 42 Strongco 42 HECM Saver 42 Student Loan ABS 42 Standardized Approach 42 Xenith Bankshares 42 ABCP conduits 42 QRMs 42 NASDAQ GBCI 42 Newtek 42 HIMC Corporation 42 Aimco 42 Wintrust 42 traunches 42 ARMtech 42 Ocwen 42 A#/P# 42 CoBiz 42 MGIC MGIC 42 Bruce Harting 42 GreenPoint Mortgage Funding 42 DCT Industrial Trust 42 Katonah Debt Advisors 42 FHA VA 42 nonaccruing 42 PSMH 42 CENts 42 FDIC indemnification 42 FFEL loans 42 FAF Advisors Inc. 42 LGL Group 42 TCBI 42 NASDAQ NKSH 42 NMTC Program 42 RMBS exposures 42 chargeoff 42 Monthly Volume 42 Inc. NYSE NLY 42 FedFirst Financial Corporation 42 Syncora Holdings 42 thrifts 42 Cenlar 42 financier Freddie Mac 42 McGrath RentCorp 42 factor WARF 42 TFG CLO 42 AAA Aaa rated 42 NAFCU 42 FHLMC 42 NorthStar Realty 42 TYY 42 ProCentury 42 First Marblehead 42 nonprime loans 42 Prosperity Bancshares 42 Board INTZ Intrusion 42 CLARCOR 42 share repurchase authorizations 42 securitized receivables 42 NovaStar Financial 42 Legacy Bancorp 42 PLRMBS 42 FDIC TLGP 42 TSCorp 42 Metrofinanciera 42 discount accretion 42 MicroFinancial Incorporated Announces 42 HOEPA 42 LEGC 42 Intermediary Relending Program 42 Credit Facility PDCF 42 Datawatch dependence 42 Freddie Mac FRE.N 42 Palomar Enterprises 42 www.ingclarionres.com 42 OVBC 42 Receivables Funding 42 Lexington Realty Trust 42 Titan Machinery Inc. 42 Lender Processing 42 Nasdaq THMD 42 CypressTree 42 Alesco Financial Inc. 42 collateralization 42 FDIC insured institutions 42 NewMil 42 KBS REIT II 42 GMAC 42 SBLIC 42 AGCO Corporation 42 Ameritrans 42 NYSE ANH 42 FINOVA 42 BOFI 42 Mint Leasing 42 Ltd AACo 42 Susquehanna NASDAQ SUSQ 42 UMH Properties Inc. 42 HECM reverse 42 PEDH 42 Chubb CB 42 Builders FirstSource Inc. 42 Loan Originations 42 Bladex 42 PBKS 42 Non accruing 42 Irrigation Segment 42 Corp. FDEF 42 NYSE MTG 42 Pro Fac Cooperative 42 sales outstanding DSOs 42 FCNCA 42 WSFS Reit Inc. 42 junior subordinated debentures 42 NYSE CYS 42 Ocwen Solutions 42 ACGL 42 PHH Mortgage 42 guaranty 42 UCBH 42 Nonperforming 42 Senior Unsecured Term 42 MerueloMaddux 42 Incorporated Nasdaq HBAN 42 Senior Secured Revolving Credit 41 Jack E. Golsen 41 extendible revolving term 41 obligor concentration 41 Seller Servicer 41 Credit Acceptance 41 PremierWest Bancorp 41 fiscal# 41 FFELP loans 41 Primus Guaranty 41 Stephen T. Zarrilli 41 GIBGIB 41 Waccamaw Bankshares 41 Loss Severity 41 FHLB advances decreased 41 SCAP buffer 41 NASDAQ JMBAW 41 CDCI 41 CREL 41 Title XVII 41 SLM Corp 41 Amosson 41 Kurt Pfotenhauer 41 JER Investors Trust 41 EquiTrust Life Insurance 41 lender AmeriCredit 41 VIVACON AG 41 Ambac 41 Repurchase Offer Notice 41 FIDAC 41 Markel Ventures 41 Delinquencies 41 FHCF 41 Compass Diversified 41 KAR Holdings 41 P LSTA 41 Home BancShares Inc. 41 CoBank ACB 41 delinquencies 41 WFS Financial 41 Livestock Gross Margin 41 FDIC receivership 41 AspenBio Pharma NASDAQ APPY 41 eMerge Interactive 41 Quadra Realty Trust 41 DiamondRock Hospitality Company 41 MainSource 41 DCT Industrial 41 CapitalSource CSE 41 Xceed Mortgage 41 Nelnet Student Loan 41 NYSE PHH 41 PennantPark Investment Corporation 41 HopFed Bancorp Inc. 41 resecuritizations 41 PHH 41 sponsored enterprises GSEs 41 AFBF 41 FHLBNY advances 41 Corp. NYSE SNV 41 WM Advisors 41 ICBA 41 PrivateBancorp Inc. 41 CPFF 41 CEDF 41 nontraded REIT 41 Repurchase Program 41 Certegy Gaming 41 NasdaqGS OXPS 41 EESA 41 FHFC 41 origination volumes 41 Ambac Assurance Corporation 41 Niagara Nasdaq FNFG 41 Residential Funding 41 DFP ABS 41 assigns Rating Outlooks 41 NAUH 41 CLOs 41 NBT Bancorp 41 Cenlar FSB 41 perpetual preferred 41 FABS 41 Luminent Mortgage 41 DWS RREEF Real Estate 41 CapGen 41 Zunicom 41 FICO Expansion 41 VRDOs 41 Company NYSE DRH 41 Capital Bancshares 41 Program EQIP 41 Multifoods 41 MILC program 41 B cumulative redeemable 41 Origen Financial 41 GSO Capital Partners LP 41 LICT 41 assets ROAA 41 CompuCredit NASDAQ CCRT 41 Macquarie Infrastructure MIC 41 AgriStability 41 Premium DRIP 41 NCRIC 41 subordinate tranches 41 First PacTrust Bancorp 41 ABS CDOs 41 UNIFI Companies 41 jumbo adjustable rate 41 re REMICs 41 Million Unsecured Revolving 41 NGAS Resources 41 NASDAQ TONE 41 Wintrust Financial Corporation 41 putable 41 CVBF 41 Bankshares 41 Emergency Economic Stabilization 41 Raven Industries 41 OREO 41 Income Stabilization CAIS 41 nonperforming loans totaled 41 senior secured unitranche 41 P FLOATs 41 XLFA 41 MorAmerica Capital 41 undepreciated book 41 EQIP 41 LLC KFN 41 hybrid ARMs 41 CNH Capital 41 USDA Rural Development 41 Mr. Eishen 41 de novo branching 41 APCapital 41 existing indebtedness Sensient 41 extendible revolving 41 MRU Holdings 41 Resecuritization 41 conforming jumbo 41 CDPCs 41 www.fico.com 41 FHA insured mortgage 41 BCSB Bankcorp 41 HGIC 41 HECM loans 41 Revolving Credit Facilities 41 SBIB 41 website aStockMarketLife.com 41 Master Servicer 41 Grandbridge 41 Taberna IX 41 Synovus Financial Corp. 41 non accrual 41 NASDAQ UBSI 41 LTXC 41 TIAA Real Estate 41 BRT REALTY TRUST 41 FHA insured 41 EUBK 41 MuniPreferred 41 ROAs 41 subordinate liens 41 USPoly 41 jumbo adjustable mortgage 41 FHLB borrowings 41 SNFs 41 AARD 41 Clarity Commitment 41 ProShare Advisors LLC 41 Flagstar 41 Northrim 41 Wysaske 41 lenders servicers 41 policyholder dividends 41 nonaccrual status 41 efficiency ratio teb 41 American AgCredit 41 Nonprime 41 IBERIABANK 41 CommunitySouth 41 nontraditional mortgages 41 DSD Dairy segment 41 Kleros RE IV 41 AltaPacific Bank 41 Rialto Investments 41 NFIP 41 Guaranteed Loan 41 Centerline Holding 41 Petrosearch 41 LTC Properties Inc. 41 Alpine TLI Group 41 GenTek 41 FBIZ 41 Ocwen Financial Corp 41 TOBs 41 PRJ NYSE FNM PRF 41 Trustee ad Litem 41 IBERIABANK Corporation 41 extendable revolving 41 RAIT Financial 41 mezzanine financings 41 MQ Associates 41 AMEX SRO 41 repaying TARP 41 Horace Mann Educators 41 Boardwalk REIT 41 Mortgage originations 41 Oritani Financial 41 TAYC 41 Wells Fargo WFC 41 Ferrellgas Partners 41 BankAtlantic Bancorp 41 Fuselier Holding 41 AmeriCredit Corp. 41 MGIC Investment MTG 41 CBRE Realty 41 Silvergate Bank 41 securitized 41 EuroBancshares 41 Vanguard Natural Resources 41 BNC Bancorp 41 Ares Capital 41 Fed Kroszner 41 Loan originations totaled 41 Swap Transactions 41 NovaStar Mortgage Inc. 41 SteelPath 41 Transaction Account 41 SERVES #-# 41 Share Repurchase Authorization 41 Cleartel 41 NYSE FNM 41 TDX Independence Funds 41 IHFA 41 NYSE ORI 41 Trust Preferred 41 Indymac Bank 41 Transatlantic Holdings 41 www.syncora.com 41 www.abraxaspetroleum.com 41 Radian Guaranty Inc. 41 nonaccruing loans accruing 41 Banco Popular de 41 Inc. NYSE BXS 41 Credit Card ABS 41 Sturm Foods 41 MASTR 41 TFG CLO investments 41 Glacier Bancorp 41 nonprime 41 Freddie Mac OTC FMCC 41 GCO ELF 41 Mortgage Servicer 41 accretable 41 Securities Purchase Agreements 41 CAMELS rating 41 Standards Codification ASC 41 RISLA 41 NYSE FBC 41 PennantPark 41 PERLS 41 Rule 2a 7 41 VaR 41 Origin Agritech 41 Americredit 41 CFS Bancorp 41 NTK Holdings 41 substitute SBPA 41 Radicle 41 MiddleBrook 41 SLARS 41 Farm Bureau 41 overcollateralization ratios 41 AmericanWest 41 Trapeza CDO 41 HNBC 41 Versalign 41 Fannie Mae NYSE FNM 41 nondepository 41 First Interstate BancSystem 41 FCMC 41 UCBI 41 Defeasance 41 Altegris Companies 41 nonconforming mortgages 41 Evogene 41 Qad Inc QADI 41 Kbw 41 Paul M. Pantozzi 41 CapitalSouth 41 HFAs 41 AcuNetx 41 losses ALLL 41 EVCI 40 Trustreet 40 Gundle SLT Environmental 40 Avanir Pharmaceuticals AVNR 40 Superior Bancorp SUPR 40 Winthrop Realty Trust 40 Anworth Mortgage 40 re REMIC 40 Funding Facility 40 Sequa Corporation 40 HOLC 40 ALICO Holdings 40 CapStreet 40 Tasty Baking Company 40 Cary Baetz 40 American Biltrite 40 Alesco Financial 40 Cohesant 40 MSRB 40 CDFI Fund 40 FINRA Dispute Resolution 40 voluntary prepayments 40 Subordinated Note 40 Rescap 40 FRMs 40 FIIC 40 Intervest Bancshares 40 Medicare Advantage MLR 40 Atrion Corporation 40 Bing Von Bergen 40 AIMCO Properties LP 40 Stephen J. Gurgovits