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Ford Motor Credit Company

Ford Motor Credit Company is listed on NYSE (F). Ford Motor Company was incorporated in Delaware in 1919. We acquired the business of a Michigan company, also known as Ford Motor Company, incorporated in 1903 to produce and sell automobiles designed and engineered by Henry Ford. We are one of the world's largest producers of cars and trucks combined. We and our subsidiaries also engage in other businesses, including financing and renting vehicles and equipment. In addition to the information about Ford and its subsidiaries contained in this Report, extensive information about our Company can be found throughout our website located at www.ford.com, including information about our management team, our brands and products, and our corporate governance principles.

Ford Motor Credit Company

Ford Motor Credit Company is listed on NYSE (FCJ). Ford Motor Credit Company was incorporated in Delaware in 1959. We are an indirect, wholly owned subsidiary of Ford Motor Company (Ford). Our principal executive offices are located at One American Road, Dearborn, Michigan 48126, and our telephone number is (313) 322-3000. Our annual reports on Form 10-K and quarterly reports on Form 10-Q filed with the Securities and Exchange Commission (SEC) pursuant to Section 13(a) or 15(d) are available free of charge through our website located at www.fordcredit.com-investorcenter-. These reports and our current reports on Form 8-K can be found on the SEC's website located at www.sec.gov. Products and Services. We offer a wide variety of automotive financing products to and through automotive dealers throughout the world.

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..

Wellsford Real Properties Inc. .. collectively) was formed as a Maryland corporation on January 8, 1997, as a corporate subsidiary of Wellsford Residential Property Trust (the Trust)...

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

Harte-Hanks Inc. ..tive marketing services company that provides end-to-end customer relationship management (CRM), related marketing services solutions and shopper publ..

Holly Corporation ..ly Corporation and its consolidated subsidiaries. In accordance with the Securities and Exchange Commission's (SEC) Plain English guidelines, this Ann..

Hershey Foods Corporation ..iaries and entities in which it has a controlling financial interest are engaged in the manufacture, distribution and sale of confectionery, snack, r..

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..

Integral Systems Inc. ..stems and equipment for command and control, integration and test, data processing, and simulation. Since its inception in 1982, the Company has provi..

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..

Investment Technology Group Inc. .. as a Delaware corporation on July 22, 1983. Its principal subsidiaries include: (1) ITG Inc. and AlterNet Securities, Inc. (AlterNet), United States ..

Innodata Isogen Inc ..services that help organizations create, manage, use and distribute information more effectively and economically. We provide outsourced content servi..

Interpool Inc. ..et, utilization of the leasing equipment or the rental rates per day that are set forth in this Annual Report on Form 10-K include our equipment, incl..

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

Intertape Polymer Group Inc. ..General Intertape Polymer Group is a leader in the specialty packaging industry in North America. It develops, manufactures and sells a variety of spe..

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..

Callon Petroleum Company ..xploration, development, acquisition and production of oil and gas properties since 1950. Our properties are geographically concentrated primarily off..

Kroger Company (The) ..d in 1902. As of January 29, 2005, the Company was one of the largest retailers in the United States based on annual sales. The Company also manufactu..

Kilroy Realty Corporation ..ment trust, or REIT, which owns, operates, develops, and acquires Class A suburban office and industrial real estate in key suburban submarkets, prima..

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..

Labor Ready Inc. .. State of Washington and began operations in 1989. We are an international provider of temporary employees for manual labor jobs. During 2004, we serv..

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..

Lithia Motors Inc. .. Risk Factors, Management's Discussion and Analysis of Financial Condition and Results of Operations and Business and elsewhere in this Form 10-K cons..

Lightbridge Inc. ..and supports products and services primarily for businesses that sell products or services online and for communications providers. Lightbridge's four..

National Mercantile Bancorp ..e principal assets are the capital stock of two bank subsidiaries: Mercantile National Bank (Mercantile) and South Bay Bank, N.A. (South Bay). Nationa..

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..

Madeco SA ..lic of Chile in 1944 as a sociedad annima abierta, or open stock corporation, and operates under the laws of Chile. The Company also has operations in..

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..

Middlesex Water Company ..r utility company in 1897 and owns and operates regulated water utility systems in central and southern New Jersey and in Delaware as well as a regula..

MIND C.T.I. Ltd. ..l as well as commercial purposes. We were incorporated under the laws of the State of Israel on April 6, 1995 as a company with limited liability, and..

MetaSolv Inc ..e design, develop, market and support a comprehensive portfolio of software solutions that automate and streamline service fulfillment processes for c..

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..

M&T Bank Corporation ..York business corporation which is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (BHCA) and under Articl..

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..

NBTY Inc. ..mpany, NBTY, we or us) is a leading vertically integrated manufacturer, marketer and retailer of a broad line of high quality, value-priced nutritiona..

Northgate Minerals Corporation .. summarizes the approximate impact on the Corporations 2005 earnings and cash flow of the variations in the commodity prices and foreign exchange rate..

Nelnet Inc. ..e companies in the United States and is focused on providing quality student loan products and services to students and schools nationwide. The Compan..

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..

National Research Corporation .. a leading provider of ongoing survey-based performance measurement, analysis, tracking and improvement services to the healthcare industry in the Uni..

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 ..

NB Capital Corporation ..corporated under the laws of the State of Maryland for the purposes of providing U.S. investors with the opportunity to invest in Canadian residential..

OceanFirst Financial Corp. ..oard of Directors of OceanFirst Bank for the purpose of acquiring all of the capital stock of the Bank issued in connection with the Bank's conversion..

On Assignment Inc. ..staffing firm providing flexible and permanent staffing solutions in specialty skills including Laboratory-Scientific, Healthcare, and Medical Financi..

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..

Oceaneering International Inc. ..lied technology company that provides a comprehensive range of integrated technical services and hardware to customers who operate in harsh environmen..

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..

Precision Drilling Corporation ..recisions continuing operations are carried out in two segments consisting of Contract Drilling Services and Completion and Production Services. The C..

Perry Ellis International Inc. .. United States. We control a portfolio of major men's and women's brands, some of which were established over 100 years ago. We design, source, market..

Kookmin Bank ..story of the Former Kookmin Bank The former Kookmin Bank was established by the Korean government in 1963 under its original name of Citizens National..

Merrill Lynch Dep Preferred Plus Trust Series BLC-2 Trust Ctf ..urities held by PreferredPLUS Trust Series BLC-2, please refer to Belo Corp.s (Commission file number 001-08598) periodic reports, including annual re..

PLX Technology Inc. .. established in May 1986, develops and supplies semiconductor devices that accelerate and manage the transfer of data in microprocessor-based systems ..

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..

Portugal Telecom SGPS S.A . ..l Telecom's legal and commercial name is Portugal Telecom, SGPS, S.A. Portugal Telecom is a limited liability holding company, organized as a Sociedad..

PSi Technologies Holdings Inc. ..evelopment of our Company Our legal name is PSi Technologies Holdings, Inc. We are incorporated under the Corporation Code of the Philippines, Batas P..

Prudential Public Limited Company ..ading international financial services group, providing retail financial services and fund management in the markets in which it operates: the United ..

Quanta Services Inc. ..ing services, offering end-to-end network solutions to the electric power, gas, telecommunications, cable television, and specialty services industrie..

QAD Inc. ..nd is a provider of enterprise resource planning (ERP) software applications for global manufacturing companies. QAD enterprise applications provide r..

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..

Resources Connection Inc. ..nal services firm that provides experienced accounting and finance, risk management and internal audit, information technology, human resources, suppl..

Transocean Inc. ..d predecessors, unless the context requires otherwise, Transocean, the Company) is a leading international provider of offshore contract drilling serv..

GigaMedia Limited ..rcial name is GigaMedia Limited. We were incorporated in September 1999 as a company limited by shares organized under the laws of the Republic of Sin..

RARE Hospitality International Inc. ..ies operates and franchises 269 restaurants as of February 21, 2005, including 219 LongHorn Steakhouse restaurants, 20 The Capital Grille restaurants..

Schweitzer-Mauduit International Inc. ..nless the context indicates otherwise, references to we, us, our, SWM, Schweitzer-Mauduit or similar terms include Schweitzer-Mauduit International, I..

SIFCO Industries Inc. ..incorporated in 1916. The executive offices of the Company are located at 970 East 64th Street, Cleveland, Ohio 44103, and its telephone number is (21..

SpatiaLight Inc. ..ution LCoS microdisplays. Our current customers and current prospective customers are OEMs engaged in the businesses of manufacturing high definition ..

Stratus Properties Inc. ..ties and Exchange Commission (SEC) pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, are made available, free of ..