Community Bank System Inc.

Community Bank System Inc. is listed on NYSE (CBU). Community Bank System, Inc. was incorporated on April 15, 1983, under the Delaware General Corporation Law. Its principal office is located at 5790 Widewaters Parkway, DeWitt, New York 13214. The Company maintains a web-site at communitybankna.com and firstlibertybank.com. Annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, and amendments to those reports, are available on the Companys web-site free of charge as soon as reasonably practicable after such reports or amendments are electronically filed with or furnished to the Securities and Exchange Commission. The information on the web-site is not part of this filing. The Companys business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial, and municipal customers. Community Bank System, Inc.

Community Banks Inc.

Community Banks Inc. is listed on NASDAQ (CMTY). Community Banks, Inc., referred to in this report as the Corporation or Community, is a financial holding company that was formed as a Pennsylvania corporation in 1982. Communitys banking subsidiary is Community Banks, referred to in this report as the Bank. Communitys non-banking subsidiaries are Community Bank Investments, Inc. (CBII) and Community Banks Life Insurance Company, Inc. (CBLIC). The subsidiaries of the Bank are UDNB Investments, Inc.; PSB Realty Co., Inc.; The Sentinel Agency, LLC; Community Banks Insurance Services, LLC; CB Services, LLC; and Erie Financial Group, LLC. At December 31, 2004 no non-bank subsidiaries have total assets that exceed 1% of consolidated total assets. With the exception of Community Bank Investments, Inc. and UDNB Investments, Inc.

Distributed Energy Systems Corporation ..y reports on Form 10-Q, and other periodic filings are available free of charge through the Investors section of the Company’s Internet website (http:..

DECORIZE INC ..i, is a manufacturer and wholesaler of imported home furnishings and accessories. We founded decorize.com, LLC, the company that became Decorize, Inc...

Document Sciences Corporation ..d supports a family of Dynamic Content Publishing software products used primarily for business to customer communications. Dynamic content publishing..

Deutsche Bank AG ..utsche Bank Aktiengesellschaft. The original Deutsche Bank was founded in Berlin in 1870 as a joint stock company principally dedicated to financing f..

El Paso Corporation ..8 in El Paso, Texas. For many years, we served as a regional natural gas pipeline company conducting business mainly in the western United States. Fro..

Electro Energy Inc. ..h was originally formed on December 29, 1993 under the name MCG Diversified, Inc. (MCG). Effective June 9, 2004, pursuant to the Agreement of Merger a..

Entergy Arkansas Inc. ..h, through its subsidiaries, engages principally in the following businesses: domestic utility, domestic non-utility nuclear, and energy commodity ser..

Electro-Sensors Inc. ..inct operating segments: (1) the manufacture and distribution of industrial production monitoring and process control systems through its Controls Div..

EntreMed Inc. ..maceutical company focused on developing the next generation of multi-mechanism oncology and anti-inflammatory drugs that target disease cells directl..

Electronic Arts Inc. ..istributes interactive software games that are playable by consumers on the following platforms: † Home videogame machines (such as the Sony PlayStati..

EXELON CORP ..y, through its subsidiaries, operates in three business segments—Energy Delivery, Generation and Enterprises—as described below. See Note 22 of Exelon..

Favrille Inc. ..research, development and commercialization of targeted immunotherapies for the treatment of cancer and diseases of the immune system. We have develop..

First Citizens Banc Corp. ..r the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 2000, as amende..

First Financial Holdings Inc. ..s a savings and loan holding company incorporated under Delaware law in 1987. The Company is headquartered in Charleston, South Carolina and operates ..

Fifth Third Bancorp .. about Fifth Third Bancorp and-or the company as combined with acquired entities within the meaning of Sections 27A of the Securities Act of 1933, as ..

First Oak Brook Bancshares Inc. ..der Delaware law in 1983 as a bank holding company under the Bank Holding Company Act of 1956, as amended. Effective May 26, 2004, the Company became ..

Redhook Ale Brewery Incorporated .. of the leading brewers of craft beers in the United States and has been at the forefront of the domestic craft brewing segment since the Company’s fo..

Greenbrier Companies Inc. (The) .. and marketers of railroad freight car equipment in North America and Europe and a leading provider of leasing and other services to the railroad and ..

Geo Group Inc (The) .. and the Company refer to The GEO Group, Inc., its consolidated subsidiaries and its unconsolidated affiliates, unless otherwise expressly stated or t..

Gilead Sciences Inc. ..n particular, statements about our expectations, beliefs, plans, objectives or assumptions of future events or performance are contained or incorporat..

General Maritime Corporation ..e crude oil transportation services. Our current fleet consists of 47 wholly owned tankers, consisting of 26 Aframax and 17 Suezmax tankers and four n..

Garmin Ltd. ..rmin) should be read in conjunction with, and is qualified by reference to, Management’s Discussion and Analysis of the Company’s Financial Condition ..

Genesis Energy L.P. ..ebsite our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and amendments to those reports filed or furnished ..

Hauppauge Digital Inc. ..lude Hauppauge Digital, Inc., our wholly-owned subsidiaries and their subsidiaries, unless otherwise indicated or the context otherwise requires. We e..

HCC Insurance Holdings Inc. ..tion, which was formed in 1991. Its predecessor corporation was formed in 1974. Our principal executive offices are located at 13403 Northwest Freeway..

Hibbett Sporting Goods Inc. ..zed in 1945 under the name Dixie Supply Company in Florence, Alabama, in the marine and small aircraft business. In 1951, the Company started targetin..

Hooper Holmes Inc. ..olmes) currently engage in two principal businesses, which are operated as distinct divisions: • Our Health Information Division (HID), which we forme..

Heritage Commerce Corp ..orm 10-K may constitute forward looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the..

Industrias Bachoco S.A. de C.V. .. de C.V., and we frequently refer to ourselves commercially as Bachoco. We were incorporated in Mexico on April 17, 1980. Our headquarters are located..

ICON plc .. or CRO, providing clinical research and development services on a global basis to the pharmaceutical, biotechnology and medical device industries. Ou..

IDT Corporation ..inment and technology company. Our primary telecommunications offerings are prepaid and rechargeable calling cards, wholesale carrier services and con..

ImClone Systems Incorporated ..s to advance oncology care by developing a portfolio of targeted biologic treatments designed to address the medical needs of patients with cancer. We..

InPhonic Inc. ..ooking statements, within the meaning of the Securities Exchange Act of 1934 and the Securities Act of 1933, that involve risks and uncertainties. In ..

Innkeepers USA Trust ..stered real estate investment trust (REIT). Innkeepers owned 69 hotels with an aggregate of 8,684 rooms-suites (the Hotels) through its partnership in..

Itron Inc. ..gs are available free of charge under the Investor Relations section of our website at www.itron.com as soon as practicable after they are filed with ..

Jewett-Cameron Trading Company ..ipal reportable segments, all in the United States: the processing-sale of industrial products to original equipment manufacturers; the sale of lumber..

Jeffersonville Bancorp ..k corporation on January 12, 1982, for the purpose of becoming a registered bank holding company under the Bank Holding Company Act of 1956, as amende..

Kansas City Life Insurance Company ..porated under the assessment laws of Missouri in 1895 as the Bankers Life Association. In 1900, its present corporate title was adopted and it was reo..

Kellogg Company ..ware in 1922, and its subsidiaries are engaged in the manufacture and marketing of ready-to-eat cereal and convenience foods. The address of the princ..

Kitty Hawk Inc. New ..ently operate through our two wholly-owned subsidiaries, Kitty Hawk Cargo and Kitty Hawk Aircargo. Through Kitty Hawk Cargo, we operate a major indepe..

Lannett Co Inc ..er the laws of the Commonwealth of Pennsylvania. In 1991, the Company merged into Lannett Company, Inc., a Delaware corporation. The sole purpose of t..

Longview Fibre Company .. products company engaged in three primary businesses: the ownership and management of timberlands in Oregon and Washington, which principally produce..

Laboratory Corporation of America Holdings .. subsidiaries , headquartered in Burlington, North Carolina, is the second largest independent clinical laboratory company in the United States based ..

LifePoint Hospitals Inc. ..ners and operators of general acute care hospitals in non-urban communities in the United States. LifePoint Hospitals, Inc. is a holding company. Its ..

Lawson Software Inc. .. and support to specific markets including healthcare, retail, financial services (banking, insurance and other financial services), education, local-..

Mid-America Apartment Communities Inc. ..ith the Company’s Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and any amendments to the aforementioned filings, are available on the C..

Molex Incorporated .. 1972 and originated from an enterprise established in 1938. As used herein the terms Molex or Company include Molex Incorporated and its subsidiaries..

Mellon Financial Corporation ..l services company headquartered in Pittsburgh, Pennsylvania, with approximately $4.0 trillion in assets under management, administration or custody, ..

Metretek Technologies Inc. ..der of energy technology products, services and data management systems primarily to industrial and commercial users and suppliers of natural gas and ..

Meadowbrook Insurance Group Inc. ..pany organized as a Michigan corporation in 1985. We were formerly known as Star Holding Company and in November 1995, upon acquisition of Meadowbrook..

Miramar Mining Corporation ..JECT On December 17, 1999 MHBL acquired from Hope Bay Gold Corporation Inc. (Hope Bay Gold) for US$13,346,100 a 50% interest in a group of concession ..

Mercury General Corporation ..its subsidiaries are engaged primarily in writing all risk classifications of automobile insurance in a number of states, principally California. Duri..

Mexco Energy Corporation ..is an independent oil and gas company engaged in the acquisition, exploration and development of oil and gas properties located in the United States. ..

Mitsubishi UFJ Financial Group Inc ..ishi Tokyo Financial Group, Inc. Mitsubishi Tokyo Financial Group, Inc. is a joint stock company (kabushiki kaisha) incorporated in Japan under the Co..

Maximus Inc. ..olutions and operations program management primarily to government. Since our inception in 1975, we have been at the forefront of innovation in meetin..

NB&T FINANCIAL GROUP INC ..io corporation, is a bank holding company which owns all of the issued and outstanding common shares of The National Bank and Trust Company, chartered..

Netflix Inc. ..n service providing more than 2,600,000 subscribers access to a comprehensive library of more than 35,000 movie, television and other filmed entertain..

Nobel Learning Communities Inc. ..sectarian, for-profit provider of private pay education and services for education entities for the preschool through 12th grade market. Our programs ..

Neurogen Corporation ..of the State of Delaware in 1987, is a drug discovery and development company focusing on new small molecule drugs to improve the lives of patients su..

Nevada Chemicals Inc. ..ed in 1979 , is engaged in the single business segment of supplying chemicals to the gold mining industry in the western United States, primarily thro..

Odyssey Healthcare Inc. ..nge of care and services to terminally ill patients and their families. We are one of the largest providers of hospice care in the United States in te..

OmniVision Technologies Inc. ..ction with audited consolidated financial statements and the notes thereto included in Item 8 of this Annual Report on Form 10-K. Except for historica..

Perma-Fix Environmental Services Inc. ..mental and technology know-how company, is a Delaware corporation, engaged through its subsidiaries, in: . Industrial Waste Management Services (Indus..

Premier Community Bankshares Inc ..ng company that was incorporated in June 1989. We own all of the outstanding stock of The Marathon Bank, which was incorporated in August 1987, and Ro..

PriceSmart Inc. .. concerning PriceSmart, Inc.’s (PriceSmart) anticipated future revenues and earnings, adequacy of future cash flow and related matters. These forward-..