SC 13D 1 fmt.txt OMB Number 3235-0145 United States Securities and Exchange Commission Washington DC 20549 Schedule 13D Under the Securities and Exchange Act of 1934 Fremont General Corporation Name of Issuer common stock Title of Class of Securities CUSIP Number 357288109 Howard Amster, 23811 Chagrin Blvd., Suite 200 Beachwood, Ohio 44122-5525, 216 595-1047 (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) August 9, 2006 (Date of Event which Requires Filing of this Statement) If this filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of 240.13d-1(e) (f) or (g), check the following box / /. Note: Scheduled filed in paper format shall include a signed original and five copies of the schedule including all exhibits. See 240.13D-7 for other parties to who copies are to be sent. *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject to the subject class of securities, and for any subsequent amendment containing information which would alter disclosures provided in a prior cover page. The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that Section of the Act, but shall be subject to all other provisions of the Act (however see the Notes). 1 Name of Reporting Person Howard Amster 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting 1,669,850 Beneficially Owned By Each 8 Shared Voting 3,027,850 Reporting Person With 9 Sole Dispositive 1,669,850 10 Shared Dispositive 3,027,850 11 Aggregate Amount Beneficially owned 3,380,300 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 4.34 % 14 Type of Reporting Person IN 1 Name of Reporting Person Howard M Amster Charitable Remainder Unitrust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds AF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 2,600 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 2,600 11 Aggregate Amount Beneficially owned 2,600 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person OO 1 Name of Reporting Person Howard M Amster 2005 Charitable Remainder Unitrust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds AF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 61,200 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 61,200 11 Aggregate Amount Beneficially owned 61,200 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.08 % 14 Type of Reporting Person OO 1 Name of Reporting Person Howard Amster & Tamra F. Gould Charitable Remainder Unitrust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds AF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 103,300 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 103,300 11 Aggregate Amount Beneficially owned 103,300 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.13 % 14 Type of Reporting Person OO 1 Name of Reporting Person Amster Limited Partnership 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 14,700 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 14,700 11 Aggregate Amount Beneficially owned 14,700 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.02 % 14 Type of Reporting Person PN 1 Name of Reporting Person Amster Trading Company 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 2,285,500 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 2,285,500 11 Aggregate Amount Beneficially owned 1,140,600 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 1.46 % 14 Type of Reporting Person CO 1 Name of Reporting Person Amster Trading Company Charitable Remainder Unitrusts 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds AF 5 Check if Disclosure 6 Citizenship Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 1,144,900 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 1,144,900 11 Aggregate Amount Beneficially owned 1,144,900 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 1.47 % 14 Type of Reporting Person OO 1 Name of Reporting Person Tamra F. Gould 2 If a member group a) / / c) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting 23,000 Beneficially Owned By Each 8 Shared Voting 21,100 Reporting Person With 9 Sole Dispositive 23,000 10 Shared Dispositive 21,100 11 Aggregate Amount Beneficially owned 44,100 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.06 % 14 Type of Reporting Person IN 1 Name of Reporting Person Tamra F. Gould Investment Trust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds OO 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 4,100 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 4,100 11 Aggregate Amount Beneficially owned 4,100 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person OO 1 Name of Reporting Person Gould Trading Company 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 17,000 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 17,000 11 Aggregate Amount Beneficially owned 17,000 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.02 % 14 Type of Reporting Person CO 1 Name of Reporting Person Samuel J Heller 2 If a member group a) / / d) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 5,400 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 5,400 11 Aggregate Amount Beneficially owned 5,400 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person IN 1 Name of Reporting Person Samuel J Heller Irrevocable Trust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds OO 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 5,400 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 5,400 11 Aggregate Amount Beneficially owned 5,400 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person OO 1 Name of Reporting Person Let's Get Organized, Inc. 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 250 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 250 11 Aggregate Amount Beneficially owned 250 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person CO 1 Name of Reporting Person James M. Loveman 2 If a member group a) / / e) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 4,100 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 4,100 11 Aggregate Amount Beneficially owned 0 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.00 % 14 Type of Reporting Person IN 1 Name of Reporting Person newAX, Inc. 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 12,800 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 12,800 11 Aggregate Amount Beneficially owned 12,800 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.02 % 14 Type of Reporting Person CO 1 Name of Reporting Person Pleasant Lake Apts. Corp. 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 186,050 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 186,050 11 Aggregate Amount Beneficially owned 186,050 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.23 % 14 Type of Reporting Person CO 1 Name of Reporting Person Pleasant Lake Apts. Ltd. Partnership 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds 00 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 184,500 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 184,500 11 Aggregate Amount Beneficially owned 184,500 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.23 % 14 Type of Reporting Person 00 1 Name of Reporting Person Ramat Securities Ltd. 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 356,300 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 356,300 11 Aggregate Amount Beneficially owned 356,300 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.5 % 14 Type of Reporting Person BD 1 Name of Reporting Person Tova Financial, Inc. 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship USA Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 19,275 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 19,275 11 Aggregate Amount Beneficially owned 7,900 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.01 % 14 Type of Reporting Person CO 1 Name of Reporting Person Tova Financial, Inc. Charitable Remainder Unitrust 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds AF 5 Check if Disclosure 6 Citizenship Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 11,375 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 11,375 11 Aggregate Amount Beneficially owned 11,375 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.01 % 14 Type of Reporting Person OO 1 Name of Reporting Person ZAK Group LLC 2 If a member group a) / / b) /X/ 3 SEC Use only 4 Source of Funds WC 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 7,900 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 7,900 11 Aggregate Amount Beneficially owned 7,900 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.01 % 14 Type of Reporting Person OO 1 Name of Reporting Person David Zlatin 2 If a member group a) / / f) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting 760 Beneficially Owned By Each 8 Shared Voting 385,725 Reporting Person With 9 Sole Dispositive 760 10 Shared Dispositive 385,725 11 Aggregate Amount Beneficially owned 375,110 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.5 % 14 Type of Reporting Person IN 1 Name of Reporting Person David Zlatin and Gilda Zlatin JTWOS 2 If a member group a) / / g) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting Beneficially Owned By Each 8 Shared Voting 21,275 Reporting Person With 9 Sole Dispositive 10 Shared Dispositive 21,275 11 Aggregate Amount Beneficially owned 9,900 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.01 % 14 Type of Reporting Person IN 1 Name of Reporting Person Gilda Zlatin 2 If a member group a) / / h) /X/ 3 SEC Use only 4 Source of Funds PF 5 Check if Disclosure 6 Citizenship U.S.A. Number of Shares 7 Sole Voting 690 Beneficially Owned By Each 8 Shared Voting 21,275 Reporting Person With 9 Sole Dispositive 690 10 Shared Dispositive 21,275 11 Aggregate Amount Beneficially owned 10,590 12 Check if Aggregate Amount (11) Excludes Certain Shares 13 Percent of Class Represented by amount in row (11) 0.01 % 14 Type of Reporting Person IN Item 1. Security and Issuer Fremont General Corporation common stock Fremont General Corporation 2425 Olympic Blvd., Third Floor Santa Monica, California 90404 310 315 5500 CUSIP Number 357288109 Item 2. Identity and Background Howard Amster a) Howard Amster b) 23811 Chagrin Blvd., # 200, Beachwood, Ohio 44122-5525 c) Present principal occupation- Real Estate Operator 23811 Chagrin Blvd. # 200, Beachwood, Oh 44122-5525 d) Howard Amster has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Howard Amster has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Howard M Amster Charitable Remainder Unitrust Howard M Amster Charitable Remainder Unitrust has been funded by Howard Amster . Because Howard Amster has the right to change the trustee of the trust, he can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. While Howard Amster receives certain income distributions from the trust, the assets owned by the trust benefits charitable purposes. Howard Amster disclaims beneficial ownership of the securities owned by the trust. Howard Amster is the sole trustee of the Howard M Amster Charitable Remainder Unitrust, although he has no pecuniary interest in the trust and therefore disclaims beneficial ownership of shares owned by the trust. a) Howard M Amster Charitable Remainder Unitrust b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Charitable Remainder Unitrust d) Neither Howard Amster or the trustee have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither Howard Amster or the trustee have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Howard M Amster 2005 Charitable Remainder Unitrust Howard M Amster 2005 Charitable Remainder Unitrust has been funded by Howard Amster . Because Howard Amster has the right to change the trustee of the trust, he can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. While Howard Amster receives certain income distributions from the trust, the assets owned by the trust benefits charitable purposes. Howard Amster disclaims beneficial ownership of the securities owned by the trust. Howard Amster is the sole trustee of the Howard M Amster 2005 Charitable Remainder Unitrust, although he has no pecuniary interest in the trust and therefore disclaims beneficial ownership of shares owned by the trust. a) Howard M Amster 2005 Charitable Remainder Unitrust b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Charitable Remainder Unitrust d) Neither Howard Amster or the trustee have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither Howard Amster or the trustee have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A Howard Amster & Tamra F. Gould Charitable Remainder Unitrust Howard Amster & Tamra F. Gould Charitable Remainder Unitrust has been funded by Howard Amster . Because Howard Amster has the right to change the trustee of the trust, he can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. While Howard Amster receives certain income distributions from the trust, the assets owned by the trust benefits charitable purposes. Howard Amster disclaims beneficial ownership of the securities owned by the trust. Howard Amster is the sole trustee of the Howard Amster & Tamra F. Gould Charitable Remainder Unitrust, although he has no pecuniary interest in the trust and therefore disclaims beneficial ownership of shares owned by the trust. a) Howard Amster & Tamra F. Gould Charitable Remainder Unitrust b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Charitable Remainder Unitrust d) Neither Howard Amster or the trustee have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither Howard Amster or the trustee have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. . Amster Limited Partnership Howard Amster is a 10 % owner and General Partner of Amster Limited Partnership and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Amster Limited Partnership. a) Amster Limited Partnership b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Investments d) Neither the officers, directors or partners of Amster Ltd. Partnership have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or partners of Amster Ltd. Partnership have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Amster Trading Company Howard Amster is the 100% owner of Amster Trading Company and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Amster Trading Company. a) Amster Trading Company b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Investments d) Neither the officers, directors, or shareholder of Amster Trading Company have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors, or shareholder of Amster Trading Company have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Amster Trading Company Charitable Remainder Unitrusts Amster Trading Company Charitable Remainder Unitrusts have been funded by Amster Trading Company. Because Amster Trading Company has the right to change the trustee of the trusts, it can be deemed to have the right to shared voting and dispositive power over any security owned by the trusts. While Amster Trading Company receives certain income distributions from the trusts, the assets owned by the trusts benefits charitable purposes. Amster Trading Company disclaims beneficial ownership of the securities owned by these trusts. Howard Amster is the sole trustee of the Amster Trading Company Charitable Remainder Unitrusts although he has no pecuniary interest in the trusts and therefore disclaims beneficial ownership of shares owned by the trusts. a) Amster Trading Company Charitable Remainder Unitrusts b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Charitable Remainder Unitrusts d) Neither the officers, directors, or shareholders of Amster Trading Company have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors, or shareholders of Amster Trading Company have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Tamra F. Gould a) Tamra F. Gould b) 25812 Fairmount Boulevard Beachwood, Ohio 44122-2214 c) Present principal occupation- Principal, Tamar Securities, 23811 Chagrin Blvd. # 200 Beachwood OH 44122 d) Tamra F. Gould has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Tamra F. Gould has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Tamra F. Gould Investment Trust The Tamra F. Gould Investment Trust has been funded by Tamra F. Gould. The Trustee of this Trust distributes income and principal as determined to Tamra F. Gould. Because Tamra F. Gould has the right to change, amend the Trust it can be deemed she has shared voting, dispositive power and beneficial ownership to any security in the Trust. James M Loveman is the Trustee of the Tamra F Gould Investment Trust. Mr. Loveman can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. Mr. Loveman has no pecuniary interest in the Trust and therefore disclaims beneficial ownership of shares owned by the Trust. a) Tamra F. Gould Investment Trust b) 23811 Chagrin Boulevard, Suite 200 Beachwood, OH 44122-5525 c) Investment Trust d) Neither Mr. Loveman as trustee or the Trust have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither Mr. Loveman as trustee or the Trust have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Gould Trading Company Tamra F. Gould is the 100% owner of Gould Trading Company and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Gould Trading Company. a) Gould Trading Company b) 25812 Fairmount Boulevard Beachwood, Ohio 44122-2214 c) Investments d) Neither the officers, directors, or shareholder of Gould Trading Company have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors, or shareholder of Gould Trading Company have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Samuel J Heller a) Samuel J Heller b) 1550 N Stapley Drive, # 131 Mesa, Arizona 85203-3710 c) Student d) Samuel J Heller has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Samuel J Heller has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Samuel J Heller Irrevocable Trust Howard Amster is a co-trustee of the Samuel J Heller Irrevocable Trust. Mr. Amster can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. Mr. Amster has no pecuniary interest in the trust and therefore disclaims beneficial ownership of shares owned by the trust. a) Samuel J Heller Irrevocable Trust b) 1550 N Stapley Drive, # 131 Mesa, Arizona 85203-3710 c) Irrevocable Trust d) Neither Howard Amster as trustee or the other trustees have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither Howard Amster as trustee or the other trustees have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Let's Get Organized, Inc. David Zlatin is the 100 % owner of Let's Get Organized, Inc. and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Let's Get Organized, Inc. a) Let's Get Organized, Inc. b) 2542 Biscayne Boulevard Beachwood, Ohio 44122-1773 c) Investments d) Neither the officers, directors or shareholder of Let's Get Organized, Inc. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or shareholder of Let's Get Organized, Inc. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. James M Loveman James M Loveman is the trustee of the Tamra F Gould Investment Trust. a) James M Loveman b) 2848 Eaton Road Shaker Heights, Ohio 44122-2514 c) Present principal occupation- Trader, Tamar Securities, 23811 Chagrin Blvd. # 200 Beachwood OH 44122 d) James M Loveman has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) James M Loveman has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. newAx, Inc. Howard Amster is a 14.66 % shareholder of newAx, Inc. and as such can be deemed a beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by newAx, Inc. a) newAx, Inc. b) 700 W Irving Park A-1 Chicago, Illinois 60613-3133 c) Investments d) Neither the officers, directors or shareholder of newAx Inc. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or shareholder of newAx Inc. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Pleasant Lake Apts. Corp. Howard Amster is the 100 % owner of Pleasant Lake Apts. Corp. and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Pleasant Lake Apts. Ltd. Corp. a) Pleasant Lake Apts. Corp. b) 23811 Chagrin Blvd., # 200 Beachwood, Ohio 44122-5525 c) Investments d) Neither the officers, directors or shareholder of Pleasant Lake Apts. Corp. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or shareholder of Pleasant Lake Apts. Corp. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Pleasant Lake Apts. Ltd. Partnership Howard Amster is the 99.75 % owner of Pleasant Lake Apts. Ltd. Partnership and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Pleasant Lake Apts. Ltd. Partnership. Pleasant Lake Apts. Corp. is the General Partner of Pleasant Lake Apts. Ltd. Partnership and as such can be deemed the beneficial owner of such entity and may be deemed to have shared voting and dispositive power over shares owned by Pleasant Lake Apts. Ltd. Partnership. a) Pleasant Lake Apts. Ltd. Partnership b) 7530 Lucerne Drive, # 101 Middleburg Heights, Ohio 44130 c) Real Estate d) Neither the officers, directors or partners of Pleasant Lake Apts. Ltd. Partnership have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or partners of Pleasant Lake Apts. Ltd. Partnership have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Ramat Securities Ltd., 23811 Chagrin Blvd., # 200, Beachwood, Ohio 44122 Securities Firm David Zlatin and Howard Amster are the unitholders of Ramat Securities Ltd., an Ohio Limited Liability Company. David Zlatin is a 17 % owner/principal of Ramat Securities Ltd. and has joint control of voting and dispositive power over all securities owned by Ramat Securities Ltd. While David Zlatin directly or indirectly does not beneficially own 5 % of Fremont General Corporation, he because of such voting and dispositive power, might be deemed a beneficial owner of these shares owned by Ramat Securities Ltd. Howard Amster is an 83 % owner/principal of Ramat Securities Ltd. and has joint voting or dispositive power over any securities owned by Ramat Securities Ltd., but by being an 83 % owner can be deemed a beneficial owner of all securities owned by Ramat Securities Ltd. d) Neither the members or unitholders of Ramat Securities Ltd. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the members or unitholders of Ramat Securities Ltd. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Tova Financial, Inc. David Zlatin is a 50 % owner of Tova Financial, Inc. and as such can be deemed the beneficial owner of such entity and may be deemed to share shared voting and dispositive power over shares owned by Tova Financial, Inc. Gilda Zlatin is a 50 % owner of Tova Financial, Inc. and as such can be deemed the beneficial owner of such entity and may be deemed to share shared voting and dispositive power over shares owned by Tova Financial, Inc. a) Tova Financial, Inc. b) 2562 Biscayne Blvd. Beachwood, Ohio 44122-1773 c) Investments d) Neither the officers, directors or shareholders of Tova Financial Inc. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or shareholders of Tova Financial Inc. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. f) U.S.A. Tova Financial, Inc., Charitable Remainder Unitrust Tova Financial, Inc., Charitable Remainder Unitrust has been Funded by Toval Financial, Inc. Because Tova Financial, Inc. has the right to change the trustee of the trust, it can be deemed to have the right to shared voting and dispositive power over any security owned by the trust. While Tova Financial, Inc. receives certain income distributions from the trust, the assets owned by the trust benefits charitable purposes. Tova Financial Inc. disclaims beneficial ownership of the securities owned by the trust. David Zlatin and Gilda Zlatin are co-trustees of the Tova Financial, Inc. Charitable Remainder Unitrust, although they have no pecuniary interest in the trust and therefore disclaim beneficial ownership of shares owned by the trust. a) Tova Financial, Inc., Charitable Remainder Unitrust b) 2562 Biscayne Blvd. Beachwood, Ohio 44122-1773 c) Charitable Remainder Unitrust d) Neither the officers, directors, or shareholders of Tova Financial, Inc. have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors, or shareholders of Tova Financial, Inc. have been a party to any civil proceedings of a judicial or administrative body or competent jurisdictions of the type described in Item 2 of Schedule 13D within the last five years. ZAK Group LLC David Zlatin is a 36 % owner of ZAK Group LLC and as such can be deemed to be a beneficial owner of such entity and may be deemed to have shared voting and dispositive power shares owned by ZAK Group LLC. Amster Limited Partnership is a 28 % owner of ZAK Group LLC and as such can be deemed to be a beneficial owner of such entity and may be deemed to have shared voting and dispositve power owned by ZAK Group LLC. a) ZAK Group LLC b) 221 Allynd Blvd., Chardon, Ohio 44024-1010 c) Investments d) Neither the officers, directors or members of ZAK Group LLC have been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Neither the officers, directors or members of ZAK Group LLC have been a party to any civil proceedings of a judicial or administrative body of competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. David Zlatin David Zlatin and Gilda Zlatin are husband and wife. Except for Tova Financial, Inc., Tova Financial, Inc. Charitable Remainder Unitrust, their JTWROS holding, each disclaims any shared voting and dispositive power over shares of Fremont General Corporation that each may own as a beneficial owner. a) David Zlatin b) 2562 Biscayne Blvd., Beachwood, Ohio 44122-1773 c) Present principal occupation- Principal, Ramat Securities Ltd., securities firm- 23811 Chagrin Blvd. # 200, Beachwood, Oh 44122-5525 d) David Zlatin has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) David Zlatin has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. David Zlatin and Gilda Zlatin as Joint Tenants with Rights of Survivorship (as JTWROS) David Zlatin and Gilda Zlatin are husband and wife. Except for their JTWROS holding, Tova Financial, Inc. Tova Financial, Inc. Charitable Remainder Unitrust, each disclaims any shared voting and dispositive power over shares of Fremont General Corporation that each may own as a beneficial owner. a) David Zlatin b) 2562 Biscayne Blvd., Beachwood, Ohio 44122-1773 c) Present principal occupation- Principal, Ramat Securities Ltd., securities firm- 23811 Chagrin Blvd. # 200, Beachwood, Oh 44122-5525 d) David Zlatin has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) David Zlatin has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. Gilda Zlatin a) Gilda Zlatin b) 2562 Biscayne Blvd., Beachwood, Ohio 44122-1773 c) Present principal occupation- Teacher On leave/sabbatical. d) Gilda Zlatin has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Gilda Zlatin has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. Gilda Zlatin David Zlatin and Gilda Zlatin are husband and wife. Except for Tova Financial, Inc., and Tova Financial, Inc. Charitable Remainder Unitrust, their JTWROS holding, each disclaims any shared voting and dispositive power over shares of Fremont General Corporation that each may own as a beneficial owner. a) Gilda Zlatin b) 2562 Biscayne Blvd., Beachwood, Ohio 44122-1773 c) Present principal occupation- Teacher On leave/sabbatical. d) Gilda Zlatin has not been convicted in any criminal proceedings (excluding traffic violations or similar misdemeanors, if any) within the last five years. e) Gilda Zlatin has not been party to any civil proceedings of a judicial or administrative body or competent jurisdiction of the type described in Item 2 of Schedule 13D within the last five years. For information purposes only Ramat Securities Ltd. clients and employees own 112,119 common shares of Fremont General Corporation common shares excluding various Amster, Gould, Zlatin member group shares or 0.14 % of Fremont General Corporation common shares. Clients and employees of Ramat Securities Ltd. excluding various Amster, Gould, Zlatin member group shares do not have ownership, no shared voting, no dispositive power no pecuniary interest in any Fremont General Corporation common shares held by this reporting group nor to any other securities owned directly or indirectly by the reporting group. Ramat Securities Ltd. has no ownership, no shared voting, no dispositive, no pecuniary interest in Fremont General Corporation common shares owned by its clients and employees directly or indirectly excluding various Amster, Gould, Zlatin member group shares. Ramat Securities Ltd. has no ownership, no shared voting, no dispositive, no pecuniary interest in any other securities owned by its clients or employees directly or indirectly excluding Mr. Amster, Mr. Zlatin. Item 3. Source and Amount of Funds or Other Consideration Howard Amster, in his personal and individual retirement accounts purchased all 1,669,850 common shares with personal funds without borrowing. The total consideration for the purchases is is $ 34,771,195.31. Howard M Amster Charitable Remainder Unitrust purchased all 2,600 common shares with trust assets without borrowing. The total consideration for the purchase was $ 57,621.36. Howard M Amster 2005 Charitable Remainder Unitrust purchased all 61,200 common shares with trust assets without borrowing. The total consideration for the purchase was $ 1,258,804.70. Howard Amster and Tamra F. Gould Charitable Remainder Unitrust purchased all 103,300 common shares with trust assets without borrowing. The total consideration for the purchase was $ 2,339,172.76. Amster Ltd. Partnership purchased all 6,800 common shares with partnership funds without borrowing. The total consideration for this purchase is $ 127,908.23. Amster Trading Company purchased all 1,140,600 common shares with working capital without borrowing. The total consideration for these purchases is $ 23,680,471.49. Amster Trading Company Charitable Remainder Unitrusts purchased all 1,144,900 common shares with trust assets without borrowing. The total consideration for these purchases is $ 20,630,361.56. Tamra F. Gould, in her individual retirement account purchased all 23,000 common shares with personal funds without borrowing. The total consideration for the purchases is is $ 417,762.47. Tamra F. Gould Investment Trust purchased all 4,100 common shares with trust assets without borrowing. The total consideration for these purchase is $ 74,588.50. Gould Trading Company purchased all 17,000 common shares with working capital without borrowing. The total consideration for these purchases is $ 280,153.40. Samuel J Heller Irrevocable Trust purchased all 5,400 common shares with trust assets without borrowing. The total consideration for these purchase is $ $ 108,564.70. Let's Get Organized Inc. purchased all 250 common shares with working capital without borrowing. The total consideration for the purchase is $ 4,172.05. newAx, Inc. purchased all 12,800 common shares with working capital without borrowing. The total consideration for the purchase is $ 291,238.94. Pleasant Lake Apts. Corp. purchased all 1,550 common shares with working capital without borrowing. The total consideration for these purchases is $ 33,731.47. Pleasant Lake Apts. Ltd. Partnership purchased all 184,500 common shares with partnership funds without borrowing. The total consideration for these purchases is $ 3,370,740.41. Ramat Securities Ltd. purchased all 356,300 common shares with working capital without borrowing. The total consideration for these purchases is $ 6,795,572.40. Tova Financial, Inc. purchased all 7,900 common shares with working capital without borrowing. The total consideration for the purchase is $ 148,158.15. Tova Financial, Inc. Charitable Remainder Unitrust purchased all 11,375 common shares with trust assets without borrowing. The total consideration for the purchase is $ 255,599.70. ZAK Group LLC purchased all 7,900 common shares with working capital without borrowing. The total consideration for the purchase is $ 106,063.74. . David Zlatin , in his individual retirement account purchased all 760 common shares with personal funds and without borrowing. The total consideration for the purchases is $ 13,921.37. David Zlatin and Gilda Zlatin as JTWROS purchased all 2,000 common shares with their personal funds and without borrowing. The total consideration for the purchase is $ 36,593.90. Gilda Zlatin in her individual retirement account purchased all 690 common shares with personal funds and without borrowing. The total consideration for the purchases is $ 14,325.72. Item 4. Purpose of Transaction The following acquired their shares or may deemed to be a group for purposes of investment. Howard Amster Howard M Amster Charitable Remainder Unitrust Howard M Amster 2005 Charitable Remainder Unitrust Howard Amster and Tamra F Gould Charitable Remainder Unitrust Amster Limited Partnership Amster Trading Company Amster Trading Company Charitable Remainder Unitrusts Tamra F. Gould Tamra F. Gould Investment Trust Gould Trading Company Samuel J. Heller Samuel J. Heller Irrevocable Trust Let's Get Organized, Inc. James M. Loveman newAx, Inc. Pleasant Lake Apts. Corp. Pleasant Lake Apts. Ltd. Partnership Ramat Securites Ltd. Tova Financial, Inc. Toval Financial Inc., Charitable Remainder Unitrust Zak Group Ltd. David Zlatin David Zlatin and Gilda Zlatin as JTWROS Gilda Zlatin There are no present plans or proposals by this group of record or the beneficial owners as reported in this Schedule 13D which relates to or would result in the following: a. The acquisition by any person of additional securities of the issuer, or the disposition of securities of the issuer provided, however, the reporting persons might acquire additional shares or other securities of the issuer or dispose of some or all of their shares depending upon market conditions and their personal circumstances; b. An extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the issuer or any of its subsidiaries; c. A sale or transfer or a material amount of assets of the issuer or any of its subsidiaries; d. Any change in the present board of directors or management of the issuer, including any plans or proposals to change the number of the terms of directors or to fill any existing vacancies on the board; e. Any material change in the present capitalization or dividend policy of the issuer; f. Any other material in the issuer's business or corporate structure; g. Changes in the issuer's charter, bylaws or instruments corresponding thereto or other actions which may impede the acquisition of control of the issuer by any person; h. Causing a class of securities of the issuer to be delisted from a national securities exchange or cease to be authorized to be quoted in an inter-dealer quotation system of a registered national securities association; i) A class of equity securities of the issuer becoming eligible for termination of registration pursuant to Section 12(g)(4) of the Act; or j. Any action similar to any of those enumerated above. Item 5. Interest in Securities of the Issuer The outstanding common shares of the Issuer is 77,861,629 shares as of July 31, 2006 referenced in the 10-Q for period ending June 30, 2006. (a)(b) The aggregate amount owned by this Reporting Group is 4,764,775 shares or 6.12 % of the outstanding shares. Howard Amster in his name and individual retirement accounts owns 1,669,850 shares or 2.14 % of the common outstanding shares. Howard M Amster Charitable Remainder Unitrust owns 2,600 shares or 0.00 % of the common outstanding shares. Howard M Amster 2005 Charitable Remainder Unitrust owns 61,200 shares or 0.08 % of the common outstanding shares. Howard Amster and Tamra F. Gould Charitable Remainder Unitrust owns 103,300 shares or 0.13 % of the common outstanding shares. Amster Ltd. Partnership owns 6,800 common shares or 0.01 % of the common outstanding shares Amster Trading Company owns 1,140,600 shares or 1.46 % of the common outstanding shares. Amster Trading Company Charitable Remainder Unitrusts own 1,144,900 shares or 1.47 % of the common outstanding shares. Tamra F. Gould in her individual retirement account owns 23,000 common shares or 0.03 % of the common outstanding shares. Tamra F. Gould Investment Trust owns 4,100 or 0.00 % of the common outstanding shares. Gould Trading Company owns 17,000 or 0.02 % of the common outstanding shares. Samuel J Heller Irrevocable trust owns 5,400 shares or 0.00 % of the common outstanding shares. Let's Get Organized Inc. owns 250 common shares or 0.00 % of the common outstanding shares. newAx, Inc. owns 12,800 common shares or 0.02 % of the common outstanding shares. Pleasant Lake Apts. Ltd. Corp. owns 1,550 common shares or 0.00 % of the common outstanding shares. Pleasant Lake Apts. Ltd. Partnership owns 184,500 common shares or 0.23 % of the common outstanding shares. Ramat Securities Ltd. owns 356,300 common shares or 0.5 % of the common outstanding shares. Tova Financial, Inc. owns 7,900 common shares or 0.01 % of the common outstanding shares. Tova Financial, Inc. Charitable Remainder Unitrust owns 11,375 common shares or 0.01 % of the common outstanding shares. ZAK Group LLC owns 7,900 common shares or 0.01 % of the common outstanding shares. David Zlatin owns 760 common shares or 0.0 % of the common outstanding shares. David Zlatin and Gilda Zlatin as JTROS own 2,000 common shares or 0.00 % of the common outstanding shares. Gilda Zlatin owns 690 common shares or 0.00 % of the common outstanding shares. c) Description of Transactions All purchases were executed on a listed stock exchange as an open market transaction with Bear, Stearns Securities Corp. as executing broker excluding payment in kind distributions (PIK) that were received by Mr. Amster from his various Charitable Remainder Unitrusts and by Amster Trading Company from the Amster Trading Company Charitable Remainder Unitrusts, each PIK were priced at closing and are also included in the following table.
Identity Date Shares Price Howard Amster 07/15/04 20,600 18.00 and various 07/16/04 64,400 18.27 Individual 07/19/04 78,000 18.35 Retirement Accounts 07/20/04 46,000 18.48 08/02/04 5,000 19.12 08/03/04 6,900 18.92 08/05/04 5,000 18.28 08/19/04 51,100 18.95 08/25/04 116,200 18.71 09/16/04 3,200 22.14 09/20/04 9,800 22.25 09/27/04 2,300 21.74 09/29/04 2,200 22.56 09/30/04 3,700 22.92 10/29/04 1,800 21.60 11/05/04 102,100 22.46 11/08/04 115,100 22.44 11/15/04 4,000 23.58 11/22/04 4,700 23.15 12/23/04 13,200 24.35 12/23/04 4,200 24.42 PIK 12/27/04 4,700 24.46 12/30/04 15,000 25.14 12/31/04 45,000 25.17 01/03/05 25,000 25.26 01/04/05 9,600 24.84 01/06/05 11,100 23.68 01/07/05 19,700 23.95 01/10/05 22,300 24.41 01/11/05 4,300 23.74 01/12/05 4,700 23.74 01/13/05 4,600 23.82 01/14/05 28,700 23.42 01/18/05 8,400 24.00 01/19/05 13,100 24.54 01/20/05 7,500 24.12 01/21/05 4,100 24.38 01/25/05 20,500 24.14 01/26/05 3,700 24.13 02/03/05 1,800 24.70 03/31/05 3,900 21.88 04/01/05 6,800 21.98 04/15/05 5,100 20.52 04/26/05 6,700 20.17 05/04/05 76,500 21.19 05/05/05 12,900 21.77 06/24/05 9,336 23.08 PIK 07/29/05 3,500 24.63 09/14/05 20,300 22.66 10/31/05 3,800 21.40 12/02/05 600 23.60 12/07/05 1,200 23.20 12/08/05 2,500 23.37 12/09/05 2,000 23.90 12/12/05 3,000 23.79 12/12/05 42,164 24.02 PIK 12/13/05 1,000 24.14 03/13/06 6,200 21.22 03/14/06 17,600 21.14 03/15/06 5,600 21.48 03/29/06 5,900 21.89 05/08/06 64,200 22.66 05/09/06 44,000 22.39 05/11/06 47,900 22.13 05/12/06 33,200 21.60 05/25/06 3,250 20.74 05/26/06 300 20.90 06/07/06 14,800 20.22 07/06/06 22,500 18.07 07/13/06 19,800 17.62 07/14/06 29,850 17.49 07/26/06 4,300 17.44 08/03/06 82,000 17.85 08/04/06 28,100 18.04 08/08/06 85,000 16.72 08/10/06 40,750 16.58 Howard M Amster 05/01/06 2,400 22.25 Charitable 05/25/06 200 20.74 Remainder Unitrust Howard M Amster 05/03/05 10,560 21.54 2005 Charitable 05/11/05 740 20.41 Remainder Unitrust 07/29/05 9,300 24.63 10/31/05 9,200 21.40 11/07/05 500 23.17 04/28/06 6,400 22.25 05/01/06 4,800 22.25 07/14/06 1,900 17.49 08/10/06 17,800 16.58 Howard Amster 11/09/04 90,500 22.73 and Tamra F. Gould 08/01/05 700 24.34 Charitable 03/22/06 6,800 21.59 Remainder Unitrust 04/28/06 1,000 22.25 05/01/06 3,500 22.25 05/15/05 300 21.40 05/25/06 500 20.74 Amster Ltd. 07/21/04 2,400 18.75 Partnership 06/14/06 800 18.78 06/15/06 300 19.41 07/03/06 3,300 18.75 Amster Trading 09/15/04 13,300 21.79 Company 11/01/04 3,900 21.68 01/03/05 173,857 24.74 PIK 03/07/05 13,814 25.45 PIK 03/24/05 8,963 22.50 PIK 06/24/05 7,000 23.08 PIK 09/14/05 14,000 22.66 12/06/05 1,000 23.77 12/12/05 87,900 24.02 PIK 01/03/06 166,566 23.54 PIK 03/09/06 10,000 21.90 03/10/06 7,700 21.81 03/13/06 3,300 21.22 05/11/06 76,200 22.13 06/22/06 16,400 18.24 06/23/06 12,000 17.98 07/07/06 7,300 18.32 07/12/06 1,600 17.64 PIK 07/13/06 2,900 17.62 07/26/06 11,900 17.44 07/31/06 151,000 17.65 08/01/06 150,000 17.31 08/02/06 43,000 17.54 08/04/06 87,000 18.04 08/07/06 70,000 17.74 Amster Trading 11/30/04 4,300 22.83 Company 01/31/05 1,700 24.20 Charitable 04/29/05 8,400 21.83 Remainder 05/11/05 6,000 20.41 Unitrusts 07/29/05 23,700 24.63 04/21/06 6,900 22.56 04/28/06 91,600 22.25 05/15/06 300 21.40 05/16/06 15,000 21.45 05/19/06 67,500 20.89 05/22/06 81,200 20.97 05/25/06 30,450 20.74 07/06/06 3,800 17.62 07/13/06 27,300 17.62 07/14/06 13,100 17.49 07/26/06 32,200 17.44 08/09/06 287,500 16.37 08/10/06 81,600 16.58 08/11/06 200,000 16.3271 08/14/06 162,350 16.3325 Tamra F. Gould 03/09/06 6,200 23.14 Individual 07/21/06 2,500 17.15 Retirement Account 08/10/06 14,300 16.58 Tamra F. Gould 06/29/06 4,100 18.17 Investment Trust Gould Trading 08/09/06 10,000 16.37 Company 08/10/06 7,000 16.58 Samuel J Heller 07/21/04 1,100 18.51 Irrevocable Trust 08/20/04 1,900 18.88 08/01/05 800 24.29 05/02/06 500 21.92 06/15/06 1,100 19.41 Let's Get Organized 08/10/06 250 16.58 Inc. newAx, Inc. 08/12/05 12,800 22.71 Pleasant Lake 12/15/05 1,000 23.85 Apts. Ltd. Corp. 07/14/06 550 17.49 Pleasant Lake 05/11/06 15,700 22.13 Apts. Ltd. 05/15/06 1,300 21.40 Partnership 05/16/06 1,200 21.45 08/01/06 56,400 17.45 08/04/06 109,900 18.04 Ramat Securities 06/09/04 2,500 22.69 Ltd. 07/15/04 15,000 18.00 07/16/04 17,100 18.27 07/19/04 28,000 18.35 07/20/04 12,500 18.33 08/17/04 107,400 18.60 11/01/04 3,900 21.68 11/22/04 1,100 23.42 02/24/05 2,000 24.30 03/03/05 3,200 24.97 03/04/05 3,000 25.40 03/14/05 4,000 24.63 03/29/05 1,200 22.15 05/18/05 26,500 20.78 09/14/05 5,500 23.11 12/02/05 2,100 23.52 03/17/06 9,000 21.98 03/29/06 36,000 21.67 07/27/06 14,000 17.71 08/09/06 50,000 16.37 08/10/06 12,300 16.58 Tova Financial, Inc. 07/16/04 2,400 18.27 07/19/04 4,500 18.35 11/02/04 1,000 21.55 Tova Financial, Inc. 01/19/05 6,000 24.50 Charitable Remainder 01/20/05 2,140 23.99 Unitrust 05/01/06 735 21.92 08/09/06 2,500 16.37 ZAK Group LLC 03/20/03 2,600 6.60 07/16/04 500 18.27 08/10/06 4,800 16.58 David Zlatin 07/16/06 760 18.27 in his individual retirement account David Zlatin and 07/16/04 2,000 18.27 Gilda Zlatin as JTWROS Gilda Zlatin 07/16/04 190 18.27 in her individual 1101/04 500 21.62 retirement account
Item 6. Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Issuer. There are no contracts, arrangements, understandings or relationships with respect to securities of the Issuer with any person except as set forth in items 2, 3, 5 above. Item 7. Material to be filed as exhibits. None Signature After reasonable inquiry and to the best of our knowledge and belief, we certify that the information set forth in this statement is true, complete and correct. Date: August 15, 2006 /s/ Howard Amster /s/ Howard M Amster Charitable Remainder Unitrust By: Howard Amster Title: Trustee /s/ Howard M Amster 2005 Charitable Remainder Unitrust By: Howard Amster Title: Trustee /s/ Howard Amster & Tamra F. Gould Charitable Remainder Unitrust By: Howard Amster Title: Trustee /s/ Amster Limited Partnership By: Howard Amster Title: General Partner /s/ Amster Trading Company By: Howard Amster Title: President /s/ Amster Trading Company Charitable Remainder Unitrusts By: Howard Amster Title: Trustee /s/ Tamra F. Gould /s/ Tamra F. Gould Investment Trust By: James Loveman Title: Trustee /s/ Gould Trading Company By: Tamra F. Gould Title: President /s/ Samuel J Heller /s/ Samuel J Heller Irrevocable Trust By: Howard Amster Title: Trustee /s/ Let's Get Organized, Inc. By: David Zlatin Title: President /s/ James M. Loveman /s/ newAx, Inc. By: John C. Loring Title: Chairman, President and CEO /s/ Pleasant Lake Apts. Corp. By: Howard Amster Title: President /s/ Pleasant Lake Apts. Ltd. Partnership By: Pleasant Lake Apts. Corp., Howard Amster, President Title: Its General Partner /s/ Ramat Securities Ltd. By: David Zlatin Title: Principal /s/ Tova Financial, Inc. By: David Zlatin Title: President /s/ Tova Financial , Inc. Charitable Remainder Unitrust By: David Zlatin & Gilda Zlatin Title: Co-trustees /s/ Zak Group LLC By: David Zlatin Title: Member /s/ David Zlatin /s/ /s/ David Zlatin and Gilda Zlatin as JTWROS /s/ Gilda Zlatin