Educate Inc.

Educate Inc. is listed on NASDAQ (EEEE). We believe we are a leading national provider of tutoring and other supplemental education services to pre-kindergarten through twelfth grade, or pre-K-12, students. For over 25 years, we have provided trusted, personalized instruction to our students. We operate through three business segments that served more than 320,000 students in 2004. . Our Learning Center segment develops and delivers trusted, personalized tutoring programs primarily through a network of 849 territories supporting more than 1,050 franchised and company-owned learning centers in North America. This segment operates under the Sylvan brand name, which we believe is the most highly recognized brand name in the supplemental education services industry.

Education Realty Trust Inc.

Education Realty Trust Inc. is listed on NYSE (EDR). Education Realty Trust, Inc. is a self-managed and self-advised real estate investment trust, or REIT, organized in July 2004 to acquire, own and manage high quality student housing communities located near university campuses. We were formed to continue and expand upon the student housing business of Allen & O'Hara, Inc. (our Predecessor), a company with over 40 years of experience as an owner, manager and developer of student housing. As of December 31, 2004, our Predecessor owned and operated seven off-campus student housing communities located in six states containing 3,896 beds in 1,146 apartment units at seven universities. As of December 31, 2004, our Predecessor provided third-party management services for 16 student housing communities located in ten states containing 9,030 beds in 2,962 apartment units at twelve universities. Our Predecessor also provided third-party development consulting services as requested by our clients.

FRESENIUS MED CARE AG&CO KGA ..ration (Aktiengesellschaft) organized under the laws of Germany. It was incorporated on August 5, 1996. Fresenius Medical Care AG is registered with t..

Fairfax Financial Holdings Ltd ..inancial services holding company which, through its subsidiaries, is engaged in property and casualty insurance and reinsurance, investment managemen..

Leesport Financial Corporation .. headquartered at 1240 Broadcasting Road, Wyomissing, Pennsylvania 19610. The Company was organized as a bank holding company on January 1, 1986. The ..

FoxHollow Technologies Inc. ..evices primarily for the treatment of peripheral artery disease. PAD results from the accumulation of plaque in arteries, most commonly occurring in t..

Franklin Street Properties Corp. ..ch we will refer to as FSP Corp. or the Company, is a Maryland corporation that operates in a manner intended to qualify as a real estate investment t..

Gladstone Investment Corporation ..ted under the General Corporation Laws of the State of Delaware on February 18, 2005. On June 22, 2005 we completed an initial public offering and com..

Greif Bros. Corporation ..rial packaging products with manufacturing facilities located in over 40 countries. The Company offers a comprehensive line of industrial packaging pr..

Grill Concepts Inc. ..t otherwise requires, as used herein, the Company, we, our, or us, means Grill Concepts, Inc., a Delaware corporation and its subsidiaries. GENERAL Gr..

Glen Burnie Bancorp ..anized in 1990 under the laws of the State of Maryland. It presently owns all the outstanding shares of capital stock of The Bank of Glen Burnie, a co..

GoAmerica Inc. ..vice provider, offering solutions primarily for consumers who are deaf, hard of hearing and-or speech-impaired, including wireless subscription and va..

Genco Shipping & Trading Limited .. in the Marshall Islands. We transport iron ore, coal, grain, steel products and other drybulk cargoes along worldwide shipping routes. Our fleet cons..

Hampshire Group Limited ..ware corporation, is a holding company that markets apparel through two wholly-owned subsidiaries, Hampshire Designers, Inc. (Hampshire Designers) and..

Horizon Financial Corp. ..n law on May 22, 1995, and became the holding company for Horizon Bank (Horizon Bank or the Bank), effective October 13, 1995. Effective June 19, 1999..

Healthcare Technologies Ltd. ..liability company under the law of the state of Israel in May 1988. The Company's principal executive offices are located at Beit Amargad, 32 Shaham S..

Harolds Stores Inc. ..ries, through a chain of ladies and mens specialty apparel stores in 19 states, offers high-quality, classically inspired apparel to the upscale, qual..

Hutchinson Technology Incorporated ..an Hutchinson Technology Incorporated and its subsidiaries. Unless otherwise indicated, references to 2006 mean our fiscal year ending September 24, 2..

Hutchison Telecommunications International Limited ..rovider of mobile and fixed-line telecommunications services. We currently serve eight markets around the world: Hong Kong, Macau, India, Israel, Thai..

Icagen Inc. ..discovery, development and commercialization of novel orally-administered small molecule drugs that modulate ion channel targets. Ions are charged par..

Identix Incorporated ..that relate to future plans, events or performance are forward-looking statements. Actual results could differ materially due to a variety of factors,..

INFINEON TECHNOLOGIES AG ..cal Year The business name of the company is Infineon Technologies AG. º (2) º The companys registered place of business is Munich. º (3) º The fiscal..

I-many Inc. ..oking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, ..

World Fuel Services Corporation ..in Florida in July 1984 and along with its consolidated subsidiaries is referred to collectively in this Annual Report on Form 10-K as World Fuel, we,..

Insignia Systems Inc. ..ing products, programs and services to retailers and consumer packaged goods manufacturers. The Company has been in business since 1990. Since 1998, t..

Invitrogen Corporation .. 1987 and incorporated in California in 1989. In 1997 we reincorporated as a Delaware corporation. Our principal offices are in Carlsbad, California. ..

JED Oil Inc ..that was incorporated under the laws of the Province of Alberta, Canada on September 3, 2003. Our head and principal office is located at 2200, 500 - ..

JOHNSON & JOHNSON .. people worldwide, is engaged in the manufacture and sale of a broad range of products in the health care field. Johnson & Johnson has over 200 subsid..

Key Technology Inc. ..r of vegetable processing equipment. The Company has evolved into a worldwide supplier of process automation solutions to the food processing industry..

Carmike Cinemas Inc. ..s in the United States. As of December 31, 2004, we owned, operated or had an interest in 282 theatres with 2,188 screens located in 36 states, making..

K-Tron International Inc. ..tion founded in 1964, and our Common Stock trades on the Nasdaq National Market under the symbol KTII. We are engaged in one principal business segmen..

Lehman Brothers Fin SA ..ehman Brothers Holdings Inc., a Delaware corporation, incorporated on December 29, 1983. Holdings and its subsidiaries are collectively referred to as..

Loews Corporation ..iaries are engaged in the following lines of business: commercial property and casualty insurance (CNA Financial Corporation, a 91% owned subsidiary);..

LMI Aerospace Inc. ..achining, finishing and integrating formed, close tolerance aluminum and specialty alloy components and sheet metal products for use by the aerospace,..

Leucadia National Corporation ..ed in a variety of businesses, including telecommunications, healthcare services, manufacturing, banking and lending, real estate activities, winery o..

MACC Private Equities Inc. ..e corporation on March 3, 1994. It is qualified as a business development company (BDC) under the Investment Company Act of 1940, as amended (the 1940..

McDermott International Inc. ..ed under the laws of the Republic of Panama in 1959 and is the parent company of the McDermott group of companies, which includes: . J. Ray McDermott,..

Allstate Corporation (The) ..e laws of the State of Delaware on November 5, 1992 to serve as the holding company for Allstate Insurance Company. Its business is conducted principa..

MedCath Corporation ..the diagnosis and treatment of cardiovascular disease. We own and operate hospitals in partnership with physicians whom we believe have established re..

Multimedia Games Inc. ..electronic games, and gaming terminals for the Native American gaming market, as well as for the growing racetrack casino, charity and commercial bing..

MIVA Inc. ..providing e-commerce solutions since 1998. We offer proprietary performance-based marketing and commerce enabling services that help businesses of all..

Modine Manufacturing Company ..chnology, serving the vehicular, industrial, commercial, electronic and building HVAC (heating, ventilating, and air conditioning) markets. Modine dev..

Marvell Technology Group Ltd. ..high-performance analog, mixed-signal, digital signal processing and embedded microprocessor integrated circuits. Our diverse product portfolio includ..

MITY Enterprises Inc. ..markets premium quality, innovative institutional furniture created to meet the efficiency needs of its customers. The Companys product lines include ..

MarkWest Hydrocarbon Inc. ..ing the value of our investment in MarkWest Energy, a publicly-traded limited partnership engaged in the gathering, processing and transmission of nat..

Nabors Industries Inc. ..the world, with almost 600 land drilling rigs. We conduct oil, gas and geothermal land drilling operations in the U.S. Lower 48 states, Alaska, Canada..

Nordson Corporation ..producers of precision dispensing equipment that applies adhesives, sealants and coatings to a broad range of consumer and industrial products during ..

National Home Health Care Corp. ..poration that is a provider of home health care and staffing services in the Northeast region. INDUSTRY OVERVIEW United States health care spending co..

Numerex Corp. ..achine-to-machine (M2M) communications, delivering comprehensive wireless solutions over the company's proprietary wireless data network, CellemetryXG..

Northern States Power Co Minnesota ..wned five utility subsidiaries that serve electric and natural gas customers in 11 states. Four of these utility subsidiaries are SEC registrants, inc..

Nanogen Inc. .. the quality of healthcare by introducing advanced human diagnostic products that will provide higher quality of information in a shorter period of ti..

Naugatuck Valley Financial Corporation ..he capital we raised in our 2004 stock offering may negatively impact our stock price. Return on equity, which equals net income divided by average eq..

New York Community Bancorp Inc. ..mpany for New York Community Bank and the fourth largest thrift in the nation, with assets of $24.0 billion at December 31, 2004. The Bank is the lead..

Omega Flex Inc. ..TS Certain statements in this Annual Report on Form 10-K that are not historical facts - but rather reflect our current expectations concerning future..

ONYX Software Corporation ..rovider of enterprise solutions that combine customer management, process management and performance management technologies to help organizations mor..

Outback Steakhouse Inc. ..ure Partners, Inc., a Florida corporation, and in January 1990 we changed our name to Outback Steakhouse, Inc. (Outback Florida). Outback Steakhouse, ..

Pac-West Telecomm Inc. ..similar terms as used in this Form 10-K, refer to Pac-West Telecomm, Inc. Our Company We were incorporated in May 1996 in the State of California. Our..

Pamrapo Bancorp Inc. ..are law on June 26, 1989 and changed its state of incorporation from Delaware to New Jersey on March 29, 2001. On November 10, 1989, the Registrant ac..

Pioneer Natural Resources Company ..ck is listed and traded on the NYSE. The Company is a large independent oil and gas exploration and production company with operations in the United S..

PeopleSupport Inc. ..eport on Form 10-K refer to PeopleSupport, Inc and its subsidiaries. Overview We provide business process outsourcing, or BPO, services from our facil..

Piper Jaffray Companies ..rm dedicated to delivering superior financial advice, investment products and transaction execution within targeted sectors of the financial services ..

TranSwitch Corporation ..e read in conjunction with the information included elsewhere in this document. The description contains certain forward-looking statements that invol..

Princeton National Bancorp Inc. ..ation,) is a single-bank holding company which operates in one business segment and conducts a full-service commercial banking and trust business thro..

PhotoMedex Inc. ..ating the cost-effective use of technologies for doctors, hospitals and surgery centers. We engage in the development and marketing, domestically and ..

Radiant Systems Inc. ..gia, Radiant Systems, Inc. (Radiant) is a leading provider of store technology focused on the development, installation and delivery of solutions for ..

RLI Corporation .. property and casualty insurance through our insurance subsidiaries. We are an Illinois corporation that was organized in 1965. We conduct operations ..

Salem Communications Corporation .. radio broadcasting company, measured by number of stations and audience coverage, providing programming targeted at audiences interested in Christian..

Sunset Financial Resources Inc ..e, us and our refer to Sunset Financial Resources, Inc., a Maryland corporation, and, where appropriate, its subsidiaries. Company Overview We are a s..

Somanetics Corporation ..m, a non-invasive patient monitoring system that continuously measures changes in the blood oxygen levels in the brain. The brain is the organ least t..

E.W. Scripps Company (The) ..ewspaper publishing, national lifestyle television networks (Scripps Networks), broadcast television, television-retailing (Shop At Home), interactive..

SWS Group Inc. ..delivering a broad range of investment, commercial banking and related financial services to individual, corporate and institutional investors, broker..

Triad Hospitals Inc. ..ly owned hospital companies in the United States and provides health care services through hospitals and ambulatory surgery centers that it owns and o..

Travelers Property Casualty Corporation ..rty casualty insurance holding company engaged, through its subsidiaries, in two business segments: Commercial Lines and Personal Lines. Travelers Pro..

Trans World Entertainment Corp. ..ther with its consolidated subsidiaries, is referred to herein as the Company, was incorporated in New York in 1972. It owns 100% of the outstanding c..

U.S. Energy Systems Inc. .. NY, is a provider of thermal and electrical energy and energy outsourcing. Our energy services involve the management, development, operation and own..