First Charter Corporation

First Charter Corporation is listed on NASDAQ (FCTR). First Charter Corporation is a bank holding company established as a North Carolina Corporation in 1983 and is registered under the Bank Holding Company Act of 1956, as amended (the BHCA). Its principal asset is the stock of its subsidiary, First Charter Bank (FCB or the Bank). The principal executive offices of the Corporation are located at 10200 David Taylor Drive, Charlotte, North Carolina 28262. Its telephone number is (704) 688-4300. FCB, a North Carolina state bank, is the successor entity to The Concord National Bank, which was established in 1888. On April 4, 2000, the Corporation acquired Carolina First BancShares, Inc. (Carolina First), the holding company for Lincoln Bank, Cabarrus Bank and Community Bank & Trust, which merged into the Corporation.

First Citizens Banc Corp.

First Citizens Banc Corp. is listed on NASDAQ (FCZA). FIRST CITIZENS BANC CORP (FCBC) was organized under 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 amended. The Corporation's office is located at 100 East Water Street, Sandusky, Ohio. The Corporation had total consolidated assets of $817,509,687 at December 31, 2004. FCBC and its subsidiaries are referred to together as the Corporation. THE CITIZENS BANKING COMPANY (Citizens), owned by the Corporation since 1987, opened for business in 1884 as The Citizens National Bank. In 1898, Citizens was reorganized under Ohio banking law and was known as The Citizens Bank and Trust Company. In 1908, Citizens surrendered its trust charter and began operation under its current name. Citizens is an insured bank under the Federal Deposit Insurance Act.

Gladstone Commercial Corporation ..under the General Corporation Laws of the State of Maryland on February 14, 2003 primarily for the purpose of investing in and owning net leased indus..

GLAXOSMITHKLINE PLC ..OCIATION OF GlaxoSmithKline plc - Back to Contents Company No...

Genta Incorporated ..aware on February 4, 1988. Genta is a biopharmaceutical company dedicated to the identification, development and commercialization of novel drugs for ..

GTSI Corp. ..oviding products and services primarily to federal government customers. We use the terms GTSI, we, our, and us to refer to GTSI Corp. and its subsidi..

Harsco Corporation ..l provider of market-leading industrial services and engineered products. The Companys operations fall into three reportable segments: Mill Services, ..

Helix Energy Solutions Group Inc. .. the State of Minnesota, specializing in Marine Contracting development (including subsea construction and well operations) and providing oil and gas ..

HMG-Courtland Properties Inc. ..MG,), was organized in 1972 as a Delaware corporation. HMG (excluding its 95% owned subsidiary Courtland Investments, Inc., which files a separate tax..

HOME PROPERTIES INC ..administered and self-managed real estate investment trust (REIT) that owns, operates, acquires, develops and rehabilitates apartment communities. The..

Harris Corporation ..s an international communications and information technology company focused on providing assured communications products, systems and services for go..

Hexcel Corporation ..ted in California in 1948, and reincorporated in Delaware in 1983. Hexcel Corporation and its subsidiaries (herein referred to as Hexcel), is a leadin..

Indevus Pharmaceuticals Inc. ..the acquisition, development and commercialization of pharmaceutical products and product candidates primarily focused in the areas of urology, gyneco..

Internation Securities Exchange Inc. ..exchange. Our exchange provides a trading platform in listed equity and index options and related services that is designed to provide transparency, r..

Ingram Micro Inc. ..statements, including but not limited to, management's expectations of competition; revenues, margin, expenses and other operating results or ratios; ..

InFocus Corporation ..rm 10-K are forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995, or the PSLRA. Forward-looking statements i..

Infocrossing Inc. .. to Infocrossing, Company, we, our or us refer to Infocrossing, Inc., a Delaware corporation, and its subsidiaries. Each trademark, trade name or serv..

Innovex Inc. ..annual reports on Form 10-K, our quarterly reports on Form 10-Q and our periodic reports on Form 8-K (and any amendments to these reports) are availab..

j2 Global Communications Inc ..ration founded in 1995. By leveraging the power of the Internet, we provide outsourced, value-added messaging and communications services to individua..

Journal Register Company ..per publisher that owns and operates 27 daily newspapers and 338 non-daily publications strategically clustered in seven geographic areas: Greater Phi..

KB Home ..Kaufman & Broad S.A. (KBSA), our publicly-traded French subsidiary, is one of the leading homebuilders in France. Founded in 1957, and winner of the 2..

KKR Financial Corp. ..t invests in multiple asset classes and uses leverage to generate competitive leveraged risk-adjusted returns. We seek to achieve our investment objec..

Konami Corporation ..usiness was founded by our current Representative Director, Chairman of the Board and Chief Executive Officer, Mr. Kagemasa Kozuki, in Osaka on March ..

Landmark Bancorp Inc. ..incorporated under the laws of the State of Delaware. Currently, the Company's business consists solely of the ownership of Landmark National Bank, wh..

LaCrosse Footwear Inc. ..in this Annual Report to we, us or our refer collectively to LaCrosse Footwear, Inc. and its subsidiaries. Forward-Looking Statements We caution you t..

Lindsay Manufacturing Co. ..esigner and manufacturer of self-propelled center pivot and lateral move irrigation systems which are used principally in the agricultural industry to..

Laidlaw International Inc. ..ith operations conducted by its subsidiaries. Unless the context otherwise requires, references to the Company, Laidlaw International, we, our or us m..

Las Vegas Sands Corp. ..n and operate the Venetian Casino Resort, the Sands Expo and Convention Center (the Sands Expo Center) in Las Vegas, Nevada, and the Sands Macao Casin..

Marten Transport Ltd. ..uckload carriers in the United States. We specialize in transporting food and other consumer packaged goods that require a temperature-controlled or i..

Magna International Inc. ..EW We are the most diversified automotive supplier in the world. We design, develop and manufacture automotive systems, assemblies, modules and compon..

Man Sang Holdings Inc .. is principally engaged in the purchasing, processing, assembling, merchandising, and wholesale distribution of pearls, pearl jewelry products and jew..

MI Developments Inc ..mpleted major development and expansion projects in both the North American and European markets. We undertake each new industrial or commercial devel..

Miller Industries Inc. ..facturer of vehicle towing and recovery equipment, with executive offices in Ooltewah, Tennessee and Atlanta, Georgia, domestic manufacturing operatio..

Modtech Holdings Inc. ..usiness consisting of purchasing unfinished and outdated classroom shells and performing installation work. The Company subsequently changed its busin..

MSC Industrial Direct Company Inc. ..orward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and ..

MutualFirst Financial Inc. ..n, is a savings and loan holding company that has as its wholly-owned subsidiary Mutual Federal Savings Bank (Mutual Federal). MFS Financial was forme..

North American Scientific Inc. ..ets and sells products for the radiation oncology community, including brachytherapy seeds used in the treatment of prostate cancer, as well as intens..

NCI Building Systems Inc. ..'s largest integrated manufacturers of products for the nonresidential construction industry. We operate 37 manufacturing facilities located in 16 sta..

New Dragon Asia Corporation ..flour and instant noodle producers in Northern China. Our core business is twofold: (1) the milling, sale and distribution of flour and related produc..

Knight Transportation Inc. ..d herein, this Annual Report contains forward-looking statements that involve risks, assumptions and uncertainties which are difficult to predict. All..

National R.V. Holdings Inc. ..ly-owned subsidiaries, National RV, Inc. (NRV) and Country Coach, Inc. (CCI), is one of the nation's leading producers of motorized recreational vehic..

Nortech Systems Incorporated ..Minnesota corporation organized in December 1990. Prior to December 1990, the Company operated as DSC Nortech, Inc., which filed a petition for reorga..

Novellus Systems Inc. ..rganized in 1984, develops, manufactures, sells and supports equipment used in the fabrication of integrated circuits, commonly called microchips or c..

Northwest Natural Gas Company ..orporated under the laws of Oregon in 1910. The Company and its predecessors have supplied gas service to the public since 1859. Since September 1997,..

Oak Hill Financial Inc. ..med in 1981, is a financial holding company registered under the Bank Holding Company Act of 1956, as amended (the Act), and is subject to regulation ..

OMI Corporation .. the Republic of the Marshall Islands on January 9, 1998. We have our principal place of business at One Station Place, Stamford, Connecticut and are ..

Orbotech Ltd. ..porate History The Company was incorporated in Israel, as a company limited by shares, on February 8, 1981 under the name Optrotech Ltd. pursuant to t..

Oriental Financial Group Inc. ..s to its clients through a complete range of consumer and commercial banking-financial solutions, including consumer, commercial and mortgage lending;..

Patriot Capital Funding Inc. ..ustomized financing solutions to small- to mid-sized companies. Our ability to invest across a company's capital structure, from senior secured loans ..

Pure Cycle Corporation ..te of Delaware in 1976. We were founded on the belief that water is a precious commodity, one that is often undervalued and therefore used inefficient..

Public Storage Inc. .. believes, anticipates, should, estimates, and similar expressions are intended to identify forward-looking statements within the meaning of that term..

Primedia Inc. ..edia company in the United States. The Companys properties comprise more than 200 brands that connect buyers and sellers in more markets than any othe..

Merrill Lynch Depositor Inc. ..urities held by PreferredPLUS Trust Series ALL-1, please refer to Allmerica Financial Corporations (Commission file number 001-13754) periodic reports..

PMA Capital Corporation ..ompany, which offers through our subsidiaries workers compensation, integrated disability and, to a lesser extent, other standard lines of commercial ..

Peoples Bancorp .. October 1990 to become the thrift holding company for Peoples Federal Savings Bank of DeKalb County (Peoples Federal). The Company is the sole shareh..

Performance Food Group Company ..as founded in 1987 through the combination of various foodservice businesses and has grown internally through increased sales to existing and new cust..

Pharmaceutical Resources Inc. ..ware holding company that, principally through its wholly owned subsidiary, Par Pharmaceutical, Inc. (Par), is in the business of manufacturing and di..

PartnerRe Ltd. ..a on August 24, 1993, is an international reinsurance group. The Company provides reinsurance on a worldwide basis through its wholly owned subsidiari..

PPlus Trust ..urities held by PPLUS Trust Series TWC-1, please refer to Time Warner Inc.s (Commission file number 001-15062) periodic reports, including annual repo..

InsWeb Corporation ..rated in California in February 1995 and re-incorporated in Delaware in October 1996, and is headquartered outside Sacramento, California. InsWeb's he..

Elizabeth Arden Inc. .. products company with an extensive portfolio of prestige fragrance, skin care and cosmetics brands. We market approximately 100 owned or licensed pre..

Revlon Inc. ..ough its direct subsidiary, Revlon Consumer Products Corporation (Products Corporation), which manufactures, markets and sells an extensive array of c..

REYNOLDS AMERICAN INC ..ng company in the state of North Carolina on January 5, 2004, and is listed on the NYSE under the symbol RAI. RAI was created to facilitate the transa..

Sykes Enterprises Incorporated ..ubsidiaries (Sykes, our, us) is a global leader in providing outsourced customer contact management solutions and services in the business process out..

Silicon Image Inc. ..ductor solutions for the secure transmission, storage and display of rich digital media. The Company's mission is to be the leader in defining the arc..

Spectrum Control Inc. ..rein, the following discussion contains forward-looking statements that involve risks and uncertainties. The Company intends these forward-looking sta..

Station Casinos Inc. ..nces to the Company refer to Station Casinos, Inc. and all references to Station, we, our, ours and us refer to Station Casinos, Inc. and its consolid..

Texas Industries Inc. ..ed a plan to spin off our wholly-owned steel operations in order to permit our cement, aggregates and concrete, or CAC, business and our steel busines..

Telstra Corporation Limited ..775 556. 2 CONSTITUTION means this Constitution as amended from time to time and a reference to an article has a corresponding meaning. CORPORATIONS L..

TheStreet.com Inc. ..d subsidiaries (collectively), operates its businesses in two segments, electronic publishing and securities research and brokerage. Our electronic pu..

Ultratech Inc. ..dition to historical information, certain forward-looking statements that involve significant risks and uncertainties. Our actual results could differ..

VSE Corporation ..nt company primarily serves as a centralized management and consolidating entity for the business operations conducted by the Companys wholly owned su..

Wavecom S.A. ..h société anonyme on June 28, 1993, for a duration of 99 years under the name of Wavecom, S.A. We are registered in Nanterre, France, registration num..

WSFS Financial Corporation ..ft holding company headquartered in Wilmington, Delaware. Substantially all of the Corporations assets are held by its subsidiary, Wilmington Savings ..

Zanett Inc. ..hat provides customized, mission-critical IT solutions to Fortune 500 corporations, mid-market companies, and classified government agencies involved ..

Advanced Life Sciences Holdings Inc. ..ooking statements that involve risks and uncertainties, as well as assumptions that, if they never materialize or prove incorrect, could cause the res..

Air Methods Corporation ..ir Methods), was originally incorporated in Colorado in 1982 and now serves as the largest provider of air medical emergency transport services and sy..

Anchor BanCorp Wisconsin Inc. .. a registered savings and loan holding company incorporated under the laws of the State of Wisconsin and is engaged in the savings and loan business t..

The Aristotle Corporation ..idiaries (together with Aristotle), founded in 1986, and headquartered in Stamford, CT, is a leading manufacturer and global distributor of educationa..

Avatar Holdings Inc. .. of Delaware in 1970. Our principal executive offices are located at 201 Alhambra Circle, Coral Gables, Florida 33134 (telephone (305) 442-7000). We a..

W.R. Grace & Company .. at www.grace.com. Grace makes available, free of charge through its website, its annual reports on Form 10-K, quarterly reports on Form 10-Q, current..