Republic First Bancorp Inc.

Republic First Bancorp Inc. is listed on NASDAQ (FRBK). The First Bank of Delaware was spun off by Republic First Bancorp, Inc. , on January 31, 2005. All assets, liabilities and equity of First Bank of Delaware were spun off as an independent company, trading on the OTC market under FBOD. Shareholders received one share of stock in First Bank of Delaware, for every share owned of the Company. After that date, the Company became a one bank holding company. The Company was established in 1987. At December 31, 2004, the Company was a two-bank holding company organized and incorporated under the laws of the Commonwealth of Pennsylvania. Its wholly-owned subsidiaries, Republic First Bank (the PA Bank), and First Bank of Delaware (the DE Bank) (sometimes hereafter referred to jointly as the Banks), offer a variety of credit and depository banking services.

Republic Services Inc.

Republic Services Inc. is listed on NYSE (RSG). We are a leading provider of services in the domestic non-hazardous solid waste industry. We provide non-hazardous solid waste collection services for commercial, industrial, municipal and residential customers through 140 collection companies in 22 states. We also own or operate 96 transfer stations, 58 solid waste landfills and 35 recycling facilities. As of December 31, 2004, our operations were organized into five regions whose boundaries may change from time to time: Eastern, Central, Southern, Southwestern and Western. Each region is organized into several operating areas and each area contains a group of operating locations. Each of our regions and substantially all our areas provide collection, transfer, recycling and disposal services. We believe that this organizational structure facilitates the integration of our operations within each region, which is a critical component of our operating strategy.

Silgan Holdings Inc. ..tal and plastic consumer goods packaging products. We had consolidated net sales of $2.421 billion in 2004. Our products are used for a wide variety o..

Shiloh Industries Inc. ..organized in 1993. Unless otherwise indicated, all references to the Company or Shiloh refer to Shiloh Industries, Inc. and its consolidated subsidiar..

SL Industries Inc. ..nufactures and markets power electronics, power motion, power protection, teleprotection and specialized communication equipment that is used in a var..

Sonic Solutions .. digital media - that is, data, photographs, audio, and video in digital formats. Our product lines focus particularly on the two most successful opti..

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

Southern Missouri Bancorp Inc. ..s state of incorporation to Missouri on April 1, 1999, was originally incorporated in Delaware on December 30, 1993 for the purpose of becoming the ho..

STAAR Surgical Company ..distributes worldwide products used by ophthalmologists and other eye care professionals to improve or correct vision in patients with cataracts, refr..

Steel Dynamics Inc. .. operates three steelmaking mini-mills. We produce our steel principally from steel scrap, using electric arc melting furnaces, continuous casting and..

SYNERGX Systems Inc. ..laware corporation organized in October 1988 to acquire controlling interests in companies engaged in the design, manufacture, distribution, sale and ..

Student Loan Corporation (The) ..d services student loans. The Company is one of the nations largest originators and holders of guaranteed student loans made under the federal Higher ..

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..

24-7 Real Media Inc. ..nd software products and services for the online advertising needs of Web publishers and advertisers, including Web representation, search engine mark..

TIB Financial Corporation ..is conducted primarily through our wholly-owned subsidiary, TIB Bank. TIB Bank, which was formed in 1974, serves the Southern Florida market, principa..

Tektronix Inc. ..ices test, measurement and monitoring solutions to a wide variety of customers in many industries, including computing, communications, semiconductors..

Tenneco Automotive Inc. ..e worlds leading manufacturers of automotive emission control and ride control products and systems. Our company serves both original equipment vehicl..

TriQuint Semiconductor Inc. ..r, or our company) is a supplier of high performance components and modules for communications applications. Our focus is on the specialized expertise..

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

Grupo Televisa S.A. ..ited liability stock corporation, which was organized under the laws of Mexico in accordance with the Ley General de Sociedades Mercantiles, or Mexica..

TXU CORP ..a portfolio of competitive and regulated energy businesses in North America, primarily in Texas. TXU Corp.s revenues totaled $9.3 billion in 2004. TXU..

United Fire & Casualty Company ..ted Fire & Casualty Company or United Fire & Casualty Company and its consolidated subsidiaries and affiliate, as the context requires. We are engaged..

United Natural Foods Inc. ..nd organic foods and related products in the United States. We believe that we are the primary distributor of natural and organic products to a majori..

UST Inc. ..ware corporation to serve as a new publicly-held holding company for United States Tobacco Company (USTC), which was formed in 1911. Pursuant to a reo..

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

Valor Communications Group Inc. ..e of the largest providers of telecommunications services in rural communities in the southwestern United States and, based on the number of telephone..

VitaCube Systems Holdings Inc. ..l supplement products primarily through a direct sales or network marketing system in which independent distributors sell our products, as well as pur..

Ventas Inc. ..in 1985. We own a geographically diverse portfolio of healthcare and senior housing facilities which, as of December 31, 2004, consisted of 201 skille..

WD-40 Company ..ly one petroleum-based product, known as WD-40. WD-40 is a multi-purpose product which acts as a lubricant, rust preventative, penetrant, cleaner and ..

Wireless Facilities Inc. ..tion regarding Managements Discussion and Analysis of Financial Condition and Results of Operations) contains forward-looking statements regarding our..

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

XETA Technologies Inc. .., or our), an Oklahoma corporation formed in 1981, is a leading provider of enterprise-class communications solutions. We specialize in providing thes..

XTL Biopharmaceuticals Ltd. ..icals Ltd. We were established as a private company limited by shares under the laws of the State of Israel on March 9, 1993, under the name Xenograft..

York Water Company (The) ..the laws of the Commonwealth of Pennsylvania in 1816. The business of the Company is to impound, purify and distribute water. The Company operates ent..

AmREIT Inc ..EIT) and has elected to be taxed as a REIT for federal income tax purposes. The Company is a fully integrated, self managed equity REIT company with, ..

ACME Communications Inc. ..broadcast television stations in medium-sized markets across the United States. Eight of these television stations are network affiliates of The WB Te..

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..

Applied Industrial Technologies Inc. .. to Applied Industrial Technologies, Inc., an Ohio corporation. References to we, us, our, and the company refer to Applied and its subsidiaries. The ..

FEDERAL AGRIC MTG CORP ..chartered by the U.S. Congress in the Agricultural Credit Act of 1987 (12 U.S.C. sections 2279aa et seq.), which amended the Farm Credit Act of 1971 (..

ABM Industries Incorporated ..rgest facility services contractors listed on the New York Stock Exchange. With annual revenues in excess of $2.4 billion and approximately 70,000 emp..

Alaska Communications Systems Group Inc. ..ications Systems Group, Inc. and its consolidated subsidiaries (we, our, us the Company, and ACS Group) on Forms 10-K, 10-Q and 8-K and the documents ..

AMDL INC ..any, involved in both the detection and treatment of cancer. Hospital, clinical, research and forensic laboratories and doctors' offices may use our p..

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..

Atlas Pipeline Partners L.P. ..STATEMENTS REGARDING EVENTS AND FINANCIAL TRENDS WHICH MAY AFFECT OUR FUTURE OPERATING RESULTS AND FINANCIAL POSITION. SUCH STATEMENTS ARE SUBJECT TO ..

AQUILA INC ..referred to as we, us or our) is primarily an integrated electric and natural gas utility headquartered in Kansas City, Missouri. We began as Missouri..

Arch Chemicals Inc. ..ls manufacturer which supplies value-added products and services to many industries on a worldwide basis. The principal business segments in which the..

Aastrom Biosciences Inc. ..development of the ex vivo production and sale of proprietary human cell products for use in cell therapy and tissue regeneration. Our pre-clinical an..

ATMI Inc. .. delivery systems and high-purity materials packaging products used worldwide in the manufacture of semiconductor devices. ATMI specifically targets t..

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..

Credicorp Ltd. ..ted in Bermuda in 1995 to act as a holding company, coordinate the policy and administration of its subsidiaries and engage in investing activities. C..

Beverly Hills Bancorp Inc. ..olding company that conducts banking and lending operations in southern California and surrounding states through its wholly-owned subsidiary, First B..

FLEET CAP TR VIII .. financial services company organized under the laws of the State of Rhode Island. Unless otherwise indicated or unless the context requires otherwise..

Big Dog Holding Inc. ..Annual Report on Form 10-K refers to we, us or the Company, we are referring to Big Dog Holdings, Inc. and its subsidiaries on a consolidated basis. T..

BankUnited Financial Corporation ..1993 as the holding company for BankUnited, FSB, the largest banking institution headquartered in Florida based on assets. (As used in this Form 10-K,..

Bonso Electronics International Inc. .. August 8, 1988 as a limited liability International Business Company under the laws of the British Virgin Islands under the name Golden Virtue Limite..

BRUNSWICK BANCORP .. bank holding company registered under the Bank Holding Company Act of 1956, as amended (the Bank Holding Company Act). BB was organized under the law..

BOE Financial Services of Virginia Inc. .. approved a plan of share exchange pursuant to which the Bank became a wholly owned subsidiary of the Corporation, which became a newly formed one-ban..

BioVeris Corporation ..which we refer to in this Form 10-K as Roche, consummated a merger and certain related transactions, which we refer to in this Form 10-K as the merger..

Chemgenex Pharmaceuticals Ltd .. Finance and Development Corporation. It was renamed the Kingsway Finance Group in August 1964 and then became Australia Wide Industries Limited in Ma..

Centennial Bank Holdings Inc. ..holding company and a bank holding company registered under the Bank Holding Company Act of 1956, as amended. Our principal business is to serve as a ..

Crown Cork & Seal Company Inc. ..de leader in the design, manufacture and sale of packaging products for consumer goods. The Company's primary products include steel and aluminum cans..

Brilliance China Automotive Holdings Limited ..lliance China Automotive Holdings Limited was established as an exempted company with limited liability under the laws of Bermuda on June 9, 1992. Bri..

Culp Inc. ..pany, manufactures and markets mattress fabrics (known as mattress ticking and used for covering mattresses and box springs) and upholstery fabrics pr..

CMGI Inc. ..aries, CMGI), through its ModusLink subsidiary, provides industry-leading global supply chain management services and marketing distribution solutions..

Correctional Properties Trust ..elf-managed real estate investment trust or REIT that acquires correctional and detention facilities from both private prison owners and operators and..

CoTherix Inc. .. licensing, developing and commercializing therapeutic products for the treatment of cardiopulmonary and other chronic diseases. We began selling our ..

Deltic Timber Corporation ..sources company engaged primarily in the growing and harvesting of timber and the manufacture and marketing of lumber. Deltic owns approximately 436,3..

Dun & Bradstreet Corporation (The) ..usiness information, tools and insight, and has enabled customers to Decide with ConfidenceTM for over 160 years. D&B's proprietary DUNSRightTM qualit..

Educate Inc. ..utoring and other supplemental education services to pre-kindergarten through twelfth grade, or pre-K-12, students. For over 25 years, we have provide..

Enterprise Products Partners L.P. ..ompany providing a wide range of services to producers and consumers of natural gas, natural gas liquids or NGLs, and crude oil, and we are an industr..

First Bancshares Inc. ..uri corporation, was incorporated on September 30, 1993 for the purpose of becoming the holding company for First Home Savings Bank (First Home or the..

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..