HMN Financial Inc.

HMN Financial Inc. is listed on NASDAQ (HMNF). HMN Financial, Inc. (HMN) is a stock savings bank holding company that owns 100 percent of Home Federal Savings Bank. The Bank has a community banking philosophy and operates retail banking and loan production facilities in Minnesota and Iowa. The Bank also provides highly personalized financial services to a select group of individuals and businesses through Eagle Crest Capital Bank, a division of the Bank, in Edina and Rochester, Minnesota. The Bank has two wholly owned subsidiaries, Osterud Insurance Agency, Inc. (OAI) which offers financial planning products and services and Home Federal Holding, Inc. (HFH) which is the holding company for Home Federal REIT, Inc. (HFREIT) which invests in real estate loans acquired from the Bank. HMN has another wholly owned subsidiary, Security Finance Corporation (SFC) which acts as an intermediary for the Bank in transacting like-kind property exchanges for Bank customers.

HMS Holdings Corp

HMS Holdings Corp is listed on NASDAQ (HMSY). HMS Holdings Corp. furnishes cost containment, revenue recovery, cost reporting and business office outsourcing services to healthcare providers and payors. We help our clients increase revenue, accelerate collections, and reduce operating and administrative costs. We operate two businesses through our wholly owned subsidiaries, Health Management Systems, Inc. (Health Management Systems) and Accordis Inc. (Accordis). Health Management Systems works on behalf of government healthcare programs to contain costs by recovering expenditures that were the responsibility of a third party, or that were paid inappropriately. Health Management Systems' clients include state and county Medicaid programs, their managed care plans, child support enforcement agencies, state prescription drug programs and other public programs. Accordis provides business office outsourcing services for hospitals, emergency medical transport agencies, and other healthcare providers.

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..

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..

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..

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..

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 ..

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 ..

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..

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 ..

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..

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..

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..

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..

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..

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

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..

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..

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..

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..

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..

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 ..

Possis Medical Inc. ..and marketer of medical devices, operating in one business segment. The company was incorporated in 1956 and has operated several businesses over the ..

Protective Life Corporation ..hose subsidiaries provide financial services through the production, distribution, and administration of insurance and investment products. Founded in..

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..

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..

Questcor Pharmaceuticals Inc. ..rein, the following discussion contains forward-looking statements that involve risks and uncertainties. Questcor's actual results could differ materi..

RCN Corp. ..itive providers of bundled video, high-speed data and voice services in the United States. As of December 31, 2004, RCN served approximately 425,000 r..

RGC Resources Inc. .. may publish forward-looking statements relating to such matters as anticipated financial performance, business prospects, technological developments,..

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..

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..

Ryder System Inc. ..d in 1955, is a leader in transportation and supply chain management solutions. Our business is divided into three business segments: Fleet Management..

Summit Bank Corporation ..mpany for the Summit National Bank that provides various banking services in the United States. The bank accepts various deposit products, including c..

Scottish RE Group Limited ..provide solutions to insurance companies seeking reinsurance of life insurance, annuities and annuity-type products. We reinsure lines of business tha..

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

Shinhan Financial Group Co Ltd ..ction We are the largest financial holding company in Korea on the basis of total assets, total deposits and stockholders' equity. We were formed in 2..

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..

Smart and Final Inc. ..porated in 1991 and headquartered in Commerce, California that conducts its business through various subsidiaries. References in this Annual Report to..

SunLink Health Systems Inc. .. share and revenue per equivalent admission amounts) Overview We are SunLink Health Systems, Inc. Unless the context indicates otherwise, all referenc..

Sappi Limited ..the Republic of South Africa. Its principal executive offices are located at 48 Ameshoff Street, Braamfontein, Johannesburg 2001, Republic of South Af..

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..

StemCells Inc. ..t of therapies that would use stem and progenitor cells to treat, and possibly cure, human diseases and injuries such as neurodegenerative diseases (f..

Systemax Inc. ..ivate label products, including personal desktop computers (PCs), notebook computers, computer related products and industrial products, in North Amer..

Orckit Communications Limited ..rated in 1990 under the laws of the State of Israel. Our principal executive offices are located at 126 Yigal Allon Street, Tel Aviv 67443 Israel and ..

Texas Roadhouse Inc. ..orated under the laws of the state of Delaware in 2004. From April 1, 1997 through October 8, 2004, the business of the Company was conducted by Texas..

US Airways Group Inc. New ..ctively with its consolidated subsidiaries) is a corporation organized under the laws of the State of Delaware. The Company's executive offices are lo..

United Technologies Corporation ..n Delaware in 1934. UTC provides high technology products and services to the building systems and aerospace industries worldwide. Growth is attributa..

Vital Images Inc. ..is a provider of enterprise-wide advanced visualization and analysis solutions for use in clinical diagnosis, disease screening applications, and ther..

Williams Industries Inc. ..the construction services market, providing specialized services to customers in the commercial, industrial, institutional, and governmental markets. ..

Ixia ..llow our customers to test and measure the performance, functionality, and conformance of Internet Protocol (IP) equipment and networks, and the appli..

Active Power Inc. ..oducts that provide the consistent, reliable electric power required by today's digital economy. We believe that we are the first company to commercia..

American Home Mortgage Investment Corp ..tment and, collectively with its subsidiaries) is a Maryland corporation in the business of investing in mortgage-backed securities resulting from the..

American Medical Systems Holdings Inc. ..ems Holdings, Inc. has operated as a single business developing, manufacturing, and marketing medical devices to physicians. We manufacture and market..

Affordable Residential Communities Inc ..and corporation organized as a fully integrated, self-administered and self-managed equity real estate investment trust (REIT) for U. S. federal incom..

ATS Medical Inc. ..e, us, or our) is a Minnesota corporation founded in June, 1987. We develop, manufacture, and market medical devices. Our primary interest lies with d..

Beacon Roofing Supply Inc. ..ial and non-residential roofing materials in the United States and Canada. We also distribute other complementary building materials, including siding..