Chesapeake Utilities Corporation

Chesapeake Utilities Corporation is listed on NYSE (CPK). Chesapeake Utilities Corporation (Chesapeake) has made statements in this Form 10-K that are considered to be forward-looking statements. These statements are not matters of historical fact. Sometimes they contain words such as believes, expects, intends, plans, will or may, and other similar words of a predictive nature. These statements relate to matters such as customer growth, changes in revenues or margins, capital expenditures, environmental remediation costs, regulatory approvals, market risks associated with the Companys propane operations, the competitive position of the Company and other matters. It is important to understand that these forward-looking statements are not guarantees, but are subject to certain risks and uncertainties and other important factors that could cause actual results to differ materially from those in the forward-looking statements. See Item 7 under the heading Managements Discussion and Analysis Cautionary Statement.

Cheviot Financial Corp

Cheviot Financial Corp is listed on NASDAQ (CHEV). This Annual Report contains certain forward-looking statements which may be identified by the use of words such as believe, expect, anticipate, should, planned, estimated and potential. Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates and most other statements that are not historical in nature. These factors include, but are not limited to, general and local economic conditions, changes in interest rates, deposit flows, demand for mortgage, commercial and other loans, real estate values, competition, changes in accounting principles, policies, or guidelines, changes in legislation or regulation, and other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing products and services.

Consolidated Mercantile Inc ..usiness as a management holding company with investments in operating companies and subsidiaries in the furniture, specialty covers and packaging indu..

Cooper Tire & Rubber Company .. manufacturer of replacement tires. It is the fourth largest tire manufacturer in North America and, according to a recognized trade source, is the ei..

CVD Equipment Corporation .. term we or any derivation thereof, we mean CVD Equipment Corporation, a New York corporation, formed in 1982 . We design, develop, manufacture, marke..

Cox Radio Inc. ..asting companies in the United States and the largest pure-play radio station group, based on revenues, and has one reportable segment for accounting ..

DryShips Inc. ..er the laws of Marshall Islands and has its principal offices in Greece. It is an owner and operator of drybulk carriers that operate worldwide. Drysh..

Dominion Homes Inc. ..e Company in this Annual Report on Form 10-K mean Dominion Homes, Inc. and its consolidated subsidiaries, except where it is made clear that the term ..

Delta and Pine Land Company ..n, and subsidiaries (D&PL) is primarily engaged in the breeding, production, conditioning and marketing of proprietary varieties of cotton planting se..

Dune Energy Inc. ..ny,) has been an independent energy company engaged in the business of the exploration, development and acquisition of natural gas and crude oil prope..

DCAP Group Inc ..nt insurance agencies under the DCAP, Barry Scott and Atlantic Insurance brand names o premium financing of insurance policies for our DCAP, Barry Sco..

Encore Capital Group Inc ..diaries (Encore) is a systems-driven purchaser and manager of charged-off consumer receivables portfolios. Encore acquires these portfolios at deep di..

ENI S.p.A. ..ged in the oil and gas, electricity generation, petrochemicals, oilfield services and engineering industries. Eni has operations in about 70 countries..

Syngenta AG ..9 under the laws of Switzerland and became a public company in November 2000. Syngenta is domiciled in and governed by the laws of Switzerland. It has..

EMCOR Group Inc. ..(EMCOR) is www.emcorgroup.com. The Companys annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K (and any amen..

Refac .. 1952 and is referred to herein as the Company or Registrant. For most of its history, the Company was engaged in intellectual property licensing acti..

Erie Indemnity Company ..ion that operates predominantly as the management services company that provides sales, underwriting and policy issuance services to the policyholders..

Exar Corporation ..ets high-performance, high-bandwidth physical interface and access control solutions that facilitate the aggregation and transport of signals in acces..

Friendly Ice Cream Corporation .. 1968 until January 1979, at which time it was acquired by Hershey Foods Corporation (Hershey). In 1988, The Restaurant Company (TRC), an investor gro..

Franklin Resources Inc. ..company, which is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the BHC Act), and as a financial holdin..

First Indiana Corporation ..n formed in 1986. It is the holding company for First Indiana Bank, N.A., the largest commercial bank headquartered in Indianapolis. Somerset Financia..

Finlay Enterprises Inc. ..conducts business through its wholly-owned subsidiary, Finlay Fine Jewelry Corporation, a Delaware corporation, and its wholly-owned subsidiaries (Fin..

FNB Corporation ..a Virginia corporation, (FNB), was organized in 1996 as a bank holding company for First National Bank, a national banking association formed in 1905...

Frischs Restaurants Inc. ..egional company that operates full service family-style restaurants under the name Frisch's Big Boy. The Company also operates grill buffet style rest..

Frontier Oil Corporation .. Form 10-K refer to Frontier Oil Corporation and its subsidiaries, except where it is clear that those terms mean only the parent company. When we use..

Gehl Company ..utes and finances equipment used in the light construction and the agricultural industries. Construction equipment is comprised of skid loaders, teles..

GFI Group Inc. ..as incorporated under the laws of the State of Delaware in August 2001. Since November 2001, the Company has been a holding company that, through its ..

GulfMark Offshore Inc. ..that provides offshore marine services primarily to companies involved in offshore exploration and production of oil and natural gas. Our vessels tran..

Gamestop Corporation ..etailer of video game products and PC entertainment software. We sell new and used video game hardware, video game software and accessories, as well a..

Gerber Scientific Inc. ..d customer solutions to the worlds sign making and specialty graphics, apparel and flexible materials, and ophthalmic lens processing industries. The ..

Goldman Sachs Group Inc. (The) ..ng, securities and investment management firm that provides a wide range of services worldwide to a substantial and diversified client base that inclu..

Heritage Oaks Bancorp (CA) .. 13 and 15(d), periodic and current reports must be filed with the SEC. The Company electronically files the following reports with the SEC: Form 10-K..

Handleman Company ..referred to as the Company or Handleman or Registrant), which has its executive offices in Troy, Michigan, is the successor to a proprietorship formed..

Humana Inc. .. referred to throughout this document as we, us, our, the Company or Humana, is one of the nation's largest publicly traded health benefits companies,..

H.J. Heinz Company ..ia on July 27, 1900. In 1905, it succeeded to the business of a partnership operating under the same name which had developed from a food business fou..

HealthTronics Inc. .. (Prime) completed a merger with HealthTronics Surgical Services, Inc. (HSS) pursuant to which Prime merged with and into HSS, with HealthTronics, Inc..

IA Global Inc. ..998 under the name foreignTV.com, Inc. In December 1999, we changed our name to Medium4.com, Inc. On January 3, 2003, we changed our name to IA Global..

Hydril ..cturing and marketing premium connection and pressure control products used for oil and gas drilling and production. Our premium connections are used ..

IGI Inc. ..77. Its executive offices are at 105 Lincoln Avenue, Buena, New Jersey. The Company is currently engaged in the production and marketing of cosmetics ..

IntraLase Corp. ..r the first step of LASIK surgery. We have developed and market an ultra-fast laser, related software and disposable devices for use in creating the c..

Innovo Group Inc. ..nc., or Innovo, a Texas corporation, to manufacture and domestically distribute cut and sewn canvas and nylon consumer products for the utility, craft..

iPass Inc. ..prise connectivity services for mobile workers. Our flagship service offering, iPass Corporate Access, is designed to enable enterprises to provide th..

I-TRAX INC ..ing statements. Other than statements of historical facts, all statements included or incorporated in this report regarding our strategy, future opera..

JAKKS Pacific Inc. .. refer to JAKKS Pacific, Inc. and its subsidiaries. Company Overview We are a leading multi-line, multi-brand toy company that designs, develops, prod..

Stilwell Financial Inc. ..ng investment advisory services to individual and institutional investors, primarily through a diverse set of U.S. and international stock, bond and m..

Jacksonville Bancorp Inc. .. forward-looking statements. Assumptions relating to forward-looking statements involve judgments with respect to, among other things, future economic..

Korn-Ferry International ..f executive search, outsourced recruiting and leadership development solutions with the broadest global presence in the recruitment industry. Since 19..

Royale Energy Inc. ..dent oil and natural gas producer. Royale Energys principal lines of business are the production and sale of natural gas, acquisition of oil and gas l..

Leadis Technology Inc. ..ductors that enable and enhance the features and capabilities of small panel displays. Our core products are color display drivers with integrated con..

Logitech International S.A. .. the laws of Switzerland in 1981. In 1988, the Company listed its shares in an initial public offering in Switzerland. In March 1997, the Company sold..

Luminex Corporation ..s incorporating a proprietary technology that advances and simplifies biological testing for the life sciences industry. Our products are described be..

Life Partners Holdings Inc ..t company of Life Partners, Inc. (LPI). LPI is the oldest and one of the largest viatical settlement companies in the United States. To supplement LPI..

Level 3 Communications Inc. .. subsidiaries, engages primarily in the communications and information services businesses. References to Level 3 or the Company refer to Level 3 Comm..

MB Financial Inc. ..n other filings with the Securities and Exchange Commission, in press releases or other public shareholder communications, or in oral statements made ..

McClatchy Company (The) ..investor relations page available to all interested parties at www.mcclatchy.com. All filings with the United States Securities and Exchange Commissio..

Massey Energy Company ..al of steam and metallurgical grades, primarily of a low sulfur content, through its 22 processing and shipping centers, called resource groups, many ..

Monmouth Capital Corporation .. to Monmouth Capital Corporation, together with its predecessors and subsidiaries, unless the context requires otherwise. Monmouth Capital Corporation..

MedcoHealth Solutions Inc ..t managers, and we provide sophisticated programs and services for our clients and the members of their prescription benefit plans, as well as for the..

Meritage Corporation ..nd builder of single-family homes in the rapidly growing Southern and Western United States, based on the number of home closings and revenue. We focu..

MarineMax Inc. .. United States. Through 71 retail locations in Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Maryland, Minnesota, Nevada, New Je..

Material Sciences Corporation .. (MSC) designs, manufactures and markets material-based solutions for acoustical-thermal, coated metal and electronic applications. Until June 20, 200..

Motorola Inc. ..adband and automotive communications technologies and embedded electronic products. . Wireless Handsets: We are one of the world's leading providers o..

National Dentex Corporation ..es, Inc., a Massachusetts corporation, which acquired six full-service dental laboratories and related branch laboratories from Healthco, Inc. In 1983..

National Bankshares Inc. .. financial holding company organized under the laws of Virginia in 1986 and registered under the Bank Holding Company Act (BHCA). Bankshares conducts ..

Nucor Corporation ..1958. The business of Nucor Corporation and its subsidiaries is the manufacture and sale of steel and steel products, which accounted for all of the s..

Odyssey Marine Exploration Inc. .. archaeologically sensitive exploration and recovery of deep-water shipwrecks throughout the world. We employ advanced state-of-the-art technology, in..