Heritage Financial Group

Heritage Financial Group is listed on NASDAQ (HBOS). Since being formed in February 2002, Heritage Financial Group has not engaged in any business other than through our wholly owned subsidiary, HeritageBank of the South and the management of its cash and investment portfolio. We neither own nor lease any business property, but we use the premises, equipment and furniture of the Bank. We employ only persons who are executive officers of the Bank as our executive officers, and we also use the support staff of the Bank. We currently do not separately compensate any employees, although, in the future, we may hire additional employees if we expand our business at the holding company level. The Company completed an initial public offering on June 29, 2005. It sold 3,372,375 shares of common stock in that offering for $10.00 per share.

Heritage Oaks Bancorp (CA)

Heritage Oaks Bancorp (CA) is listed on NASDAQ (HEOP). Under the Securities Exchange Act of 1934 Sections 13 and 15(d), periodic and current reports must be filed with the SEC. The Company electronically files the following reports with the SEC: Form 10-KSB (Annual Report), Form 10-QSB (Quarterly Report), Form 8-K (Current Report ), insider ownership reports and Form DEF 14A (Proxy Statement). The Company may file additional forms. The SEC maintains an Internet site, www.sec.gov, in which all forms filed electronically may be accessed. Additionally, all forms filed with the SEC and additional shareholder information is available free of charge on the Companys website: www.heritageoaksbancorp.com The Company posts these reports to its website as soon as reasonably practicable after filing them with the SEC. None of the information on or hyperlinked from the Companys website is incorporated into this Annual Report on Form 10-KSB.

INTAC International ..ing company focused on the exploitation of strategic business opportunities available in China and the Asia-Pacific Rim. Throughout this Report, refer..

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..

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..

Kindred Healthcare Inc. ..company that through its subsidiaries operates hospitals, nursing centers, institutional pharmacies and a contract rehabilitation services business ac..

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..

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..

LSI Logic Corporation ..actures and markets complex, high-performance integrated circuits and storage systems. We are focused on four markets: communications, consumer produc..

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..

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

MTS Systems Corporation ..er of test systems and high-performance industrial position sensors. The Company's testing solutions help customers accelerate and improve their desig..

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..

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..

NovaMed Inc. .. and operator of ambulatory surgery centers (ASCs). Our primary focus and strategy is to acquire, develop and operate ASCs in joint ownership with phy..

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..

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 ..

Orient-Express Hotels Ltd. ..her with its subsidiaries, OEH) is incorporated in the Islands of Bermuda and is a foreign private issuer as defined in Rule 3b-4 of the U.S. Securiti..

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 ..

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

Progen Industries Limited ..e were incorporated in September 1989 as Almagest Pty. Ltd. in the State of Queensland, Australia, and changed our name to Progen Industries Pty. Ltd...

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..

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..

Franklin Covey Company ..ies and individuals the world over by helping them achieve their own great purposes through teaching the principles and practices of effectiveness and..

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..

Radiologix Inc. ..ve techniques to generate representations of internal anatomy that can be recorded on film or digitized for display on a video monitor. Diagnostic ima..

Riviera Tool Company ..er of large scale, complex stamping die systems used to form sheet metal parts. Most of the stamping die systems sold by the Company are used in the p..

Sirva Inc ..gs, which include this Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and all related amendments, are availab..

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..

Grupo Casa Saba S.A. de C.V. ..a de capital variable, or stock corporation with variable capital, which was organized under the laws of the United Mexican States on November 16, 198..

Schawk Inc. .. in one operating business segment, Digital Imaging Graphics Arts, that serves consumer products packaging, advertising and promotional markets. The C..

SeaChange International Inc. ..), a Delaware corporation founded on July 9, 1993, is a leading developer, manufacturer and marketer of digital video storage, management and streamin..

StanCorp Financial Group Inc. ..y reference in this Annual Report on Form 10-K, including those relating to the Company's strategy and other statements that are predictive in nature,..

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..

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..

Stein Mart Inc. ..a 261-store retail chain with stores that offer the fashion merchandise, service and presentation of a traditional, better department or specialty sto..

Sonic Innovations Inc. ..mpany. We design, develop, manufacture and market advanced digital hearing aids intended to provide the highest levels of satisfaction for hearing imp..

Socket Communications Inc. ..d connectivity products for mobile electronic devices. Our products employ innovative designs that reduce battery power consumption and make them easy..

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..

SL Green Realty Corporation ..e investment trust, or REIT, with in-house capabilities in property management, acquisitions, financing, development, construction and leasing. We wer..

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..

TotalFinaElf S.A. ..h 28, 1924, together with its subsidiaries and affiliates, is the fourth largest publicly-traded integrated oil and gas company in the world, based on..

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..

Urologix Inc. ..theter-based therapies that use a proprietary cooled microwave technology for the treatment of benign prostatic hyperplasia (BPH), a disease that affe..

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..

Woodward Governor Company ..nd services energy control systems and components for aircraft and industrial engines and turbines. Leading OEMs (original equipment manufacturers) th..

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..

ABN AMRO CAP FDG TR V ..N.V. We are a public limited liability company incorporated under Dutch law on May 30, 1990. For more information, see Item 4. Information on the Comp..

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 ..

Automatic Data Processing Inc. ..elaware in 1961 (together with its subsidiaries ADP or the Registrant), is one of the largest providers of computerized transaction processing, data c..

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 ..

Arlington Tankers LTD. ..he laws of Bermuda as a jointly owned subsidiary of Stena AB (publ), or Stena, and Concordia Maritime AB (publ), or Concordia, a Swedish company and 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..

Bio-Rad Laboratories Inc. ..ad) was initially engaged in the development and production of specialty chemicals used in biochemical, pharmaceutical and other life science research..

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..

Cash America International Inc. .. in 1984 to engage in the business of owning and operating pawnshops. Since that time, the Company has significantly broadened the geographic scope of..

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..

CKX Inc. ..ecessors, will be referred to in this Form 10-KSB Annual Report by terms such as we, us, our, CKX, the registrant and the Company, unless the context ..