EFJ Inc

EFJ Inc is listed on NASDAQ (EFJI). Unless the context otherwise provides, all references in this Annual Report on Form 10-K to the Company or EFJ include EFJ, Inc., its predecessor entities, and its subsidiaries, including E.F. Johnson Company and Transcrypt International, Inc., on a combined basis. All references to EFJohnson refer to E.F. Johnson Company, and all references to Transcrypt refer to Transcrypt International, Inc. Further, all references to wireless communications segment refer to E. F. Johnson company, and all references to information security segment refer to Transcrypt International, Inc. In addition to the historical information contained herein, certain matters discussed in this Annual Report may constitute forward-looking statements under Section 27A of the Securities Act of 1933, as amended (the Securities Act), and Section 21E of the Securities Exchange Act of 1934, as amended (the Exchange Act).

eFunds Corporation

eFunds Corporation is listed on NYSE (EFD). Our Company was incorporated in Delaware in December 1984. Prior to our initial public offering (the IPO) in June 2000, the Company was a wholly-owned subsidiary of Deluxe Corporation (Deluxe). In April 1999, the Company began the process of combining with four other operating units of Deluxe into an integrated electronic payments and risk management business. The operations combined were DebitBureau, Chex Systems, Inc., Deposit Payment Protection Services, Inc. and an electronic check conversion company that Deluxe acquired in February 1999. In September 1999, the Company's name was changed from Deluxe Electronic Payments Systems, Inc. to eFunds Corporation. In January 2000, the Company combined Deluxe's professional services business, eFunds IT Solutions Group, Inc. and eFunds International India Private Limited, with the electronic payments and risk management businesses.

First Federal Bancshares of Arkansas Inc. ..ederal Bancshares of Arkansas, Inc. is a Texas corporation organized in January 1996 by First Federal Bank of Arkansas, FA (First Federal or the Bank..

Flushing Financial Corporation ..ration organized in May 1994 at the direction of Flushing Savings Bank, FSB. The Bank was organized in 1929 as a New York State chartered mutual savin..

MTC Technologies Inc. ..e in April 2002 and holds all of the capital stock of MTC Technologies, Inc., an Ohio corporation incorporated in 1985 that was formerly known as Mode..

First Potomac Realty Trust ..f-administered Maryland real estate investment trust that focuses on owning and operating industrial and flex properties in the Washington, D.C. metro..

First Tennessee National Corporation .. corporation headquartered in Memphis, Tennessee and incorporated in 1968. The Corporation is registered as a bank holding company under the Bank Hold..

Greater Community Bancorp ..on incorporated in New Jersey in 1984. It is registered as a bank holding company with the Board of Governors of the Federal Reserve System (Federal R..

Genitope Corporation ..arch and development of novel immunotherapies for the treatment of cancer. Immunotherapies are treatments that utilize the immune system to combat dis..

MediaBay Inc. ..g company specializing in spoken audio content, whose industry-leading businesses include direct response and interactive marketing, retail product di..

Golden Telecom Inc. ..grated telecommunication and Internet services in major population centers throughout Russia and other countries of the Commonwealth of Independent St..

Gottschalks Inc. ..cialty store chain based in Fresno, California. As of January 29, 2005, the Company operated 63 full-line Gottschalks department stores located in 6 W..

GTECH Holdings Corporation .. solutions worldwide with over $1.25 billion in revenues and more than 5,300 employees on six continents. We leverage our global lottery experience an..

Harleysville Savings Bank ..nnsylvania corporation headquartered in Harleysville, Pennsylvania. The Company became the bank holding company for Harleysville Savings Bank in conne..

Hudson Highland Group Inc. ..largest specialized professional staffing, retained executive search and human capital solutions providers. The Company provides professional staffing..

Hudson Technologies Inc. ..laws of New York on January 11, 1991, together with its subsidiaries (collectively, Hudson), is a refrigerant services company providing innovative so..

Hilton Hotels Corporation ..h its subsidiaries, in the ownership, management and development of hotels, resorts and timeshare properties and the franchising of lodging properties..

Healthcare Services Group Inc. ..ing, laundry, linen, facility maintenance and food services to the health care industry, including nursing homes, retirement complexes, rehabilitation..

Harris & Harris Group Inc. ..company specializing in tiny technology that operates as a non-diversified business development company (BDC) under the Investment Company Act of 1940..

Imperial Industries Inc. ..on, which, through its predecessor corporation, has been in existence since 1968. The Company's executive offices are located at 1259 Northwest 21st S..

i2 Technologies Inc. ..fied by the sections captioned Forward-Looking Statements and Factors That May Affect Future Results in Item 7. Managements Discussion and Analysis of..

InterDigital Communications Corp. .. solutions, which we make available for license or sale to semiconductor companies and equipment producers. Our advanced technology solutions are comp..

IMA Exploration Inc. .. the Company has been engaged, through its subsidiaries, in the acquisition and exploration of mineral properties, with a primary focus in Argentina a..

Intrusion Inc. ..d herein, the discussion in this Form 10-KSB contains certain forward-looking statements, within the meaning of Section 27A of the Securities Act of 1..

ImageWare Systems Inc. ..ware-based identity management solutions, providing biometric, secure credential, law enforcement and digital imaging technologies. Scalable for world..

Jameson Inns Inc. ..ale hotels in the southeastern and midwestern United States. As of December 31, 2004, we owned 90 Jameson Inns and franchised an additional 12 Jameson..

Jennifer Convertibles Inc. .. term we or any derivation thereof, we mean Jennifer Convertibles Inc., a Delaware corporation, and its direct or indirect subsidiaries. Business Over..

General Growth Properties Inc. ..ootnotes to the Consolidated Financial Statements of General Growth Properties, Inc. (General Growth) as included in this Annual Report on Form 10-K (..

Kirby Corporation ..anuary 31, 1969 as a subsidiary of Kirby Industries, Inc. (Industries). The Company became publicly owned on September 30, 1976 when its common stock ..

Kendle International Inc. ..ablished in 1989, is a contract research organization (CRO) that provides a broad range of Phase I through IV clinical research and drug development s..

Quidel Corporation ..eport refer to Quidel Corporation and its subsidiaries. Overview and Recent Developments We commenced our operations in 1979 and launched our first pr..

Lexington Corporate Properties Trust ..d Maryland statutory real estate investment trust that acquires, owns and manages a geographically diverse portfolio of net leased office, industrial ..

Libbey Inc. ..eware products in the U.S. and Canada, in addition to supplying to other key export markets. We were established in 1818 and are the largest manufactu..

Luminent Mortgage Capital Inc ..rily in U.S. agency and other highly-rated, single-family, adjustable-rate, hybrid adjustable-rate and fixed-rate mortgage-backed securities, which we..

Longs Drug Stores Corporation ..in Oakland, California by two brothers, Tom and Joe Long. Today, we operate in two business segments, retail drug stores and, through our RxAmerica su..

MAF Bancorp Inc. ..of the state of Delaware in 1989, as the holding company for Mid America Bank, fsb (Bank), our banking subsidiary. The Bank, which was organized as a ..

Contango Oil & Gas Company ..as and oil company. The Company's core business is to explore, develop, produce and acquire natural gas and oil properties primarily offshore in the G..

Midway Games Inc. ..oftware. We, and our predecessors, have been in the business of creating videogames for more than 20 years and have published over 400 titles in that ..

Midwest Air Group Inc. ..he State of Wisconsin in 1996. It is a holding company and its principal subsidiary is Midwest Airlines, Inc., (Midwest Airlines). Midwest Airlines cu..

Magellan Midstream Partners L.P. ..laws of the State of Delaware in August 2000. Our general partner is Magellan GP, LLC, which is a Delaware limited liability company. On September 1, ..

Mamma.com Inc ..n July 5, 1985, pursuant to the Business Corporations Act (Ontario), promulgated under the laws of the Province of Ontario, Canada. The Company's prin..

Monster Worldwide Inc. ..rent company of Monster, the leading global online careers property. We also own TMP Worldwide, one of the worlds largest recruitment advertising agen..

MineFinders Corp. Ltd. .. in the business of exploration and development of precious and base metal properties. Interests in these properties are currently held directly and i..

Mattson Technology Inc. ..rocessing equipment used in the fabrication of integrated circuits (ICs). According to Gartner Dataquest, an independent research firm, in 2003, we we..

Macronix International Co. Ltd ..ucer and supplier. Our product portfolio includes Mask ROM, Flash, EPROM, strategic manufacturing services, or SMS, and system logic center, or SLC, p..

Natural Alternatives International Inc. ..te label contract manufacturing services to companies that market and distribute vitamins, minerals, herbs, and other nutritional supplements, as well..

Network Equipment Technologies Inc. ..ss as net.com since 2000, is a global provider of networking technology platforms that are used for mission-critical communications solutions and adap..

NitroMed Inc. ..h substantial expertise and intellectual property in nitric oxide-based drug development which was incorporated in Delaware in 1992. Our goal is to be..

Commercial Vehicle Group Inc. ..tion) and its subsidiaries (collectively referred to as CVG), is a leading supplier of interior systems, vision safety solutions and other cab-related..

Insightful Corporation .. analysis solutions designed to facilitate decision-making by revealing patterns, trends and relationships. We are a supplier of software and services..

Northern Technologies International Corporation ..ern Technologies International Corporation, was incorporated in the State of Minnesota on August 4, 1970. In 1976, Northern Instruments, Inc. changed ..

Nu Horizons Electronics Corp. .., the matters set forth herein are forward-looking statements that involve certain risks and uncertainties that could cause actual results to differ f..

Quanta Capital Holdings Ltd. ..we, us or our refer to Quanta Capital Holdings Ltd. and its subsidiaries and branch, which include, Quanta Reinsurance Ltd., Quanta U.S. Holdings Inc...

Online Resources Corporation ..ancial technology services, branded to over 700 financial services provider clients nationwide. We have over 3 million active consumer and business en..

OptimumBank Holdings Inc. ..nual Report about the financial condition, results of operations, and business of our company. These statements are not historical facts and include e..

Oil States International Inc. ..diaries, is a leading provider of specialty products and services to oil and gas drilling and production companies throughout the world. We operate in..

Palomar Medical Technologies Inc. ..leading researcher and developer of light based systems for hair removal and other cosmetic procedures. Throughout its history, Palomar has remained o..

Prudential Financial Inc ..inancial services companies in the United States. Through our subsidiaries and affiliates, we offer a wide array of financial products and services, i..

Printronix Inc. ..y-Chain Printing Solutions, which provide remotely managed printers that produce labels, transaction documents and information reports in the supply-c..

PolyMedica Corporation ..y, through our primary segment, Liberty Diabetes, we are a leading provider of direct-to-consumer diabetes testing supplies, primarily to seniors. We ..

Pinnacle Financial Partners Inc. .. was incorporated on February 28, 2000 to organize and serve as the holding company for Pinnacle National, a national bank chartered under the laws of..

Petrohawk Energy Corporation ..re corporation, is an independent oil and gas company engaged in the acquisition, development, production and exploration of natural gas and oil prope..

Ralcorp Holdings Inc. ..ncorporated on October 23, 1996. Our principal executive offices are located at 800 Market Street, Suite 2900, St. Louis, Missouri 63101. The terms we..

Polo Ralph Lauren Corporation ..we, our, us and the Company refer to Polo Ralph Lauren Corporation and its subsidiaries, unless the context requires otherwise. Due to the collaborati..

Banco Santiago S.A. ..merger of Santiago and Old Santander-Chile, both of which were subsidiaries of our controlling shareholder, Banco Santander Central Hispano. We are th..

Stillwater Mining Company ..ration, development, mining and production of platinum, palladium and associated metals from the Stillwater Complex in southern Montana, which the Com..

Sun Communities Inc. ..state investment trust, or REIT. We own, operate, develop and finance manufactured housing communities concentrated in the midwestern and southeastern..

Silver Standard Resources Inc ..evelopment of the Company General Background We were incorporated in British Columbia, Canada, on December 11, 1946 under the name Silver Standard Min..

Safeway Inc. ..e 2004 Annual Report to Stockholders of Safeway Inc. (Safeway) is incorporated herein by this reference. Safeway was incorporated in the state of Dela..

Thoratec Corporation ..rt products for use by patients with congestive heart failure, or CHF. We are a leading provider of circulatory support products worldwide. We sell Ve..

Target Corporation ..hs of Analysis of Continuing Operations, Page 17; Analysis of Financial Condition, Pages 19-21; Credit Card Contribution, Page 18; first textual parag..

Thomas & Betts Corporation ..nd manufacturer of electrical connectors and components used in industrial, commercial, communications, and utility markets. We are also a leading pro..

USA Truck Inc. ..ier transporting general commodities throughout the continental United States and between locations in the United States and Canada. We transport gene..

Virco Manufacturing Corporation ..urniture for a diverse family of customers is a 55-year tradition at Virco Mfg. Corporation (Virco). Over the years, Virco has become the largest manu..

W-H Energy services Inc. .. provides products and services used primarily for the drilling, completion and production of oil and natural gas wells. We have operations in North A..