CMS Energy Corporation

CMS Energy Corporation is listed on NYSE (CMS). CMS Energy was formed in Michigan in 1987 and is an energy holding company operating through subsidiaries in the United States and in selected markets around the world. Its two principal subsidiaries are Consumers and Enterprises. Consumers is a public utility that provides natural gas and-or electricity to almost 6.5 million of Michigans 10 million residents and serves customers in all 68 of the states Lower Peninsula counties. Enterprises, through various subsidiaries and affiliates, is engaged in diversified energy businesses in the United States and in selected international markets. CMS Energys consolidated operating revenue was approximately $5.472 billion in 2004, $5.513 billion in 2003, and $8.673 billion in 2002. CMS Energy operates in three business segments - electric utility, gas utility, and Enterprises. See BUSINESS SEGMENTS later in this Item 1 for further discussion of each segment.

CNA Financial Corporation

CNA Financial Corporation is listed on NYSE (CNA). CNA Financial Corporation (CNAF) was incorporated in 1967 and is an insurance holding company. Collectively, CNAF and its subsidiaries are referred to as CNA or the Company. CNA's property and casualty insurance operations are conducted by Continental Casualty Company (CCC), incorporated in 1897, and its affiliates, and The Continental Insurance Company (CIC), organized in 1853, and its affiliates. CIC became an affiliate of the Company in 1995 as a result of the acquisition of The Continental Corporation (Continental). Life and group insurance operations, which were either sold or are being managed as a run-off operation, are conducted within CCC and Continental Assurance Company (CAC). Loews Corporation (Loews) owned approximately 91% of the outstanding common stock and 100% of the Series H preferred stock of CNAF as of December 31, 2004.

CVS Corporation ..e industry in the United States with net sales of $30.6 billion in 2004. As of January 1, 2005, we operated 5,375 retail and specialty pharmacy stores..

Community Health Systems Inc. ..ospital healthcare services in the United States in terms of number of facilities. As of December 31, 2004, we owned, leased or operated 71 hospitals,..

Dynamic Materials Corporation .. leader in the explosive metalworking business, which uses explosives to perform metal cladding and shock synthesis. The Company performs metal claddi..

Dyax Corp. ..discovery, development and commercialization of novel biotherapeutics for unmet medical needs, with an emphasis on cancer and inflammatory indications..

Dominos Pizza Inc ..Domino's or in the first person notations of we, us and our) is the number one pizza delivery company in the United States, based on reported consumer..

Diana Shipping inc. ..rporated under the laws of Liberia in March 1999 as Diana Shipping Investments Corp. In February 2005, the Companys articles of incorporation were ame..

DeVry Inc. ..State of Delaware. The Companys executive offices are located at One Tower Lane, Oakbrook Terrace, Illinois, 60181. The Companys telephone number is (..

HearUSA Inc. ..ny-owned hearing care centers (the centers) in 11 states and the Province of Ontario, Canada. The Company also sponsors approximately 1,400 credential..

El Paso Electric Company ..ed in the generation, transmission and distribution of electricity in an area of approximately 10,000 square miles in west Texas and southern New Mexi..

EQUITY OFFICE PROPERTIES TRU ..the largest owner of office properties in the nation, based on market capitalization and square footage. We own, manage, lease, acquire and develop of..

En Pointe Technologies Inc. ..orated in Texas on January 25, 1993 and reincorporated in Delaware on February 6, 1996. We are a national provider of information technology products ..

ESB Financial Corporation ..ration and thrift holding company that provides a wide range of retail and commercial financial products and services to customers in Western Pennsylv..

Eaton Vance Corporation ..gement business for over eighty years, tracing its history to two Boston-based investment managers: Eaton & Howard, formed in 1924, and Vance, Sanders..

Exelixis Inc. ..imary mission is to leverage its biological expertise and integrated drug discovery capabilities to develop high-quality, differentiated pharmaceutica..

First Capital Inc. ..ny or First Capital) was incorporated under Indiana law in September 1998. The Company was organized for the purpose of becoming the holding company f..

Ford Motor Credit Company .. 1919. We acquired the business of a Michigan company, also known as Ford Motor Company, incorporated in 1903 to produce and sell automobiles designed..

Flagstar Bancorp Inc. ..rift holding company founded in 1993. Our stock is traded on the New York Stock Exchange under the symbol FBC. Our primary subsidiary is Flagstar Bank..

Fidelity National Financial Inc. ..United States. Our title insurance underwriters - Fidelity National Title, Chicago Title, Ticor Title, Security Union Title and Alamo Title - together..

Fieldstone Investment Corporation .. that has a portfolio of mortgage loans we originated and that originates, securitizes, sells and services non-conforming and conforming single-family..

Financial Security Assurance Holdings Ltd ..h its insurance company subsidiaries, is primarily engaged in the business of providing financial guaranty insurance on asset-backed and municipal obl..

Merrill Lynch Depositor Inc. ..urities held by Public STEERS(R) Series 1998 TRV-C1 Trust, please refer to Citigroup Inc.s (Commission file number 001-09924) periodic reports (former..

Georgia Gulf Corporation ..n international marketer of two integrated chemical product lines, chlorovinyls and aromatics. In our chlorovinyls business, we are: º . º the third l..

Given Imaging Ltd. ..poration under the laws of the State of Israel in January 1998. We are registered with the Israeli registrar of companies in Jerusalem. Our registrati..

Genaera Corporation ..on Form 10-K contains some forward-looking statements. Forward-looking statements give our current expectations or forecasts of future events. You can..

Group 1 Automotive Inc. ..the $1 trillion automotive retailing industry. We own and operate 142 dealership franchises and 32 collision centers primarily located in major metrop..

U.S. Global Investors Inc. ..l) has made forward-looking statements concerning the Company's performance, financial condition, and operations in this report. The Company from time..

W.W. Grainger Inc. ..Illinois in 1928, is in the service business. It distributes products used by businesses and institutions across North America to keep their facilitie..

Home City Financial Corporation .. and loan holding company incorporated in 1996 under the laws of the State of Ohio (HCFC), owns all of the issued and outstanding common shares of Hom..

HIGHWOODS PPTYS INC ..ed and self-managed equity REIT that began operations through a predecessor in 1978. We are one of the largest owners and operators of suburban office..

Hologic Inc. ..ier of diagnostic and medical imaging systems primarily serving the healthcare needs of women. We focus our resources on developing systems and subsys..

Hornbeck Offshore Services ..ced, new generation OSVs serving the offshore oil and gas industry, primarily in the U.S. Gulf of Mexico and in select international markets. The focu..

Household Finance Corp ..ned subsidiary of Household International, Inc. On March 28, 2003, Household was acquired by HSBC Holdings plc (HSBC) by way of merger with H2 Acquisi..

Intervideo Inc. ..nd DVD burning software, television viewing and recording software and InstantON software that allows personal computer (PC) users to quickly access m..

International Game Technology ..specializing in the design, development, manufacturing, distribution and sales of computerized gaming machines and systems products. We strive to main..

Intermagnetics General Corporation ..ration of its two recently acquired medical device businesses and sold its instrumentation business resulting in a new Intermagnetics that serves the ..

InfoSpace Inc. ..at involve risks and uncertainties. The statements contained in this report that are not purely historical are forward-looking statements within the m..

Ionatron Inc. ..rward-looking statements for purposes of the securities laws. Forward-looking statements include all statements that do not relate solely to the histo..

Investors Title Company .. operates through its subsidiaries and was incorporated in the State of North Carolina in February 1973. The Company became operational on June 24, 19..

Ituran Location and Control Ltd. ..ocation-based services, consisting of stolen vehicle recovery and tracking services. We also provide wireless communication products used in connectio..

James Hardie Industries NV ..ies N.V. from RCI Netherlands Holdings B.V. in July 2001 when our legal form was converted from a besloten vennootschap met beperkte aansprakelijkheid..

Kinetic Concepts Inc. ..ogy company with leadership positions in advanced wound care and therapeutic surfaces. We design, manufacture, market and service a wide range of prop..

K-V Pharmaceutical Company ..e the words we, our, us, our company or KV we are referring to K-V Pharmaceutical Company and its wholly-owned subsidiaries, including Ther-Rx Corpora..

Kensey Nash Corporation ..tements relating to future events and our future financial performance. These statements are only predictions and actual events or results may differ ..

Keithley Instruments Inc. .. organized as an Ohio corporation in 1955. Its principal executive offices are located at 28775 Aurora Road, Solon, Ohio 44139; telephone (440) 248-04..

Lee Enterprises Incorporated .. associated companies, publishes 58 daily newspapers in 23 states and more than 300 weekly, classified and specialty publications, along with associat..

LaSalle Hotel Properties ..e investment trust on January 15, 1998 to buy, own and lease primarily upscale and luxury full-service hotels located in convention, resort and major ..

LightPath Technologies Inc. ..) manufactures optical components and higher level assemblies including precision molded glass aspheric optics, isolators, proprietary fiber-optic col..

LSB Corporation ..rom the discussion respectively under the captions entitled FINANCIAL HIGHLIGHTS on page 4, BUSINESS on pages 5 through 7, MANAGEMENT'S DISCUSSION AND..

Manhattan Associates Inc. ..ed solutions to improve the effectiveness of and the efficiencies within and across the supply chain. Our solutions, which consist of software, servic..

M&F Worldwide Corporation ..orated in Delaware on June 1, 1988 and is a holding company that conducts its operations through its indirect wholly owned subsidiary, Mafco Worldwide..

Medical Properties Trust Inc. .. that acquires, develops, leases and makes other investments in healthcare facilities providing state-of-the-art healthcare services. We lease our fac..

Methanex Corporation .. producer and marketer of methanol and the largest supplier of methanol to the major international markets of North America, Asia Pacific and Europe a..

Merchants Bancshares Inc. ..ny originally organized under Vermont law in 1983 for the purposes of owning all of the outstanding capital stock of Merchants Bank and providing grea..

Monro Muffler Brake Inc. ..6 Company-operated stores and 16 dealer-operated stores providing automotive undercar repair and tire services in the United States. At March 26, 2005..

Moscow CableCom Corp. .. Group, Inc. until February 24, 2004, has been incorporated under the laws of the State of Delaware since 1998. From 1951 to 1998, the Company had bee..

Margo Caribe Inc. .. Margo Caribe, Inc. with the Securities and Exchange Commission, in its press releases or other public or shareholder communications, or in oral state..

Maidenform Brands Inc. ..er to various trademarks, service marks and trade names that we use in our business. Maidenform, Flexees, Lilyette, Self Expressions, Sweet Nothings, ..

Maxygen Inc. ..r protein optimization and modification technologies to create and develop novel therapeutic and industrial products. We are a leader in the field of ..

Navigators Group Inc. (The) .. consisting of the accounts of The Navigators Group, Inc., a Delaware holding company established in 1982, and its wholly owned subsidiaries are prepa..

Nationwide Financial Services Inc. ..November 1996. NFS is the holding company for Nationwide Life Insurance Company (NLIC) and other companies that comprise the domestic life insurance a..

Northern Indiana Public Service Company ..any whose subsidiaries provide natural gas, electricity and other products and services to over 3.7 million customers located within a corridor that r..

North American Galvanizing & Coatings Inc .. Tulsa, Oklahoma. As used in this report, except where otherwise stated or indicated by the context, North American Galvanizing (the Company and the R..

Olin Corporation ..orated in 1892, having its principal executive offices in Clayton, MO. We are a manufacturer concentrated in three business segments: Chlor Alkali Pro..

Parlux Fragrances Inc. ..ware in 1984 and is engaged in the creation, design, manufacture, distribution and sale of prestige fragrances and beauty related products marketed pr..

Pogo Producing Company ..d in oil and gas exploration, development, acquisition and production activities on its properties located offshore in the Gulf of Mexico, onshore in ..

PrimeEnergy Corporation ..at are based on management's current expectations, estimates and projections. Words such as expects, anticipates, intends, plans, believes, projects a..

Protherics Plc ..rmaceutical company engaged in the development, manufacture and sale of pharmaceutical products largely for the treatment of human diseases. The Compa..