Kingsway Financial Services Inc.

Kingsway Financial Services Inc. is listed on NYSE (KFS). Item Description Number Annual Information Form dated March 31, 2006 for the year ended 1. December 31, 2005. 3 2. Audited Consolidated Financial Statements of the Registrant for 20 the fiscal years ended December 31, 2005 and 2004, including a reconciliation of U.S.and Canadian generally accepted accounting principles. Management's Discussion and Analysis of Financial Condition and 3. Results of Operations.

Kinross Gold Corporation

Kinross Gold Corporation is listed on NYSE (KGC). ITEM 4: NARRATIVE DESCRIPTION OF THE BUSINESS OPERATIONS The Companys share of production from its operating properties totaled 944,803 ounces of gold equivalent during 2001 of which 44% was derived from the Fort Knox mine in Alaska, 25% from the Kubaka mine in the Russian Far East, 17% from the Hoyle Pond mine in Ontario, 7% from the Refugio mine in Chile, 4% from the Blanket mine in Zimbabwe and the balance from various other locations (see note 17 to the Restated Consolidated Financial Statements of the Company incorporated by reference under Item 6 for details of the segment revenues, segment profit or loss and segment assets). The following table summarizes production by the Company in the last three years.

Mid-America Apartment Communities Inc. ..ith the Company's Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and any amendments to the aforementioned filings, are available on the C..

McGrath RentCorp ..nized in 1979. The Company is comprised of three business segments: Mobile Modular Management Corporation (MMMC), its modular building rental division..

Mellon Financial Corporation ..l services company headquartered in Pittsburgh, Pennsylvania, with approximately $4.0 trillion in assets under management, administration or custody, ..

MHI Hospitality Corporation ..004 to own full-service upper up-scale and mid-scale hotels located in primary and secondary markets in the mid-Atlantic and Southeastern United State..

Mesa Laboratories Inc. ..rado corporation on March 26, 1982. The Company designs, develops, acquires, manufactures and markets instruments and systems utilized in connection w..

Morningstar Inc. ..t research to investors around the world. Since our founding in 1984, our mission has been to create great products that help investors reach their fi..

Mercury General Corporation ..its subsidiaries are engaged primarily in writing all risk classifications of automobile insurance in a number of states, principally California. Duri..

Mestek Inc. ..0-K constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are not historical facts but..

Mitsubishi UFJ Financial Group Inc ..ishi Tokyo Financial Group, Inc. Mitsubishi Tokyo Financial Group, Inc. is a joint stock company (kabushiki kaisha) incorporated in Japan under the Co..

Northern Empire Bancshares ..nd-or forms with the SEC. The SEC maintains an internet website, www.sec.gov., at which all electronic filings can be accessed. Information regarding ..

New England Realty Associates Limited Partnership .. a Massachusetts Limited Partnership, was formed on August 12, 1977 as the successor to five real estate limited partnerships (collectively, the Colon..

Nicor Inc. .. in 1976, is a holding company. Gas distribution is Nicors primary business. Nicors principal subsidiaries are Northern Illinois Gas Company (doing bu..

Nobel Learning Communities Inc. ..sectarian, for-profit provider of private pay education and services for education entities for the preschool through 12th grade market. Our programs ..

Noble International Ltd. ..sidiaries, is a full-service provider of tailored laser welded blanks and tubes for the automotive industry. Nobles laser-welded blanks are manufactur..

Nevada Chemicals Inc. ..ed in 1979 , is engaged in the single business segment of supplying chemicals to the gold mining industry in the western United States, primarily thro..

Mobile Mini Inc. ..rgest provider of portable storage solutions through our lease fleet of over 100,000 portable storage and portable office units at December 31, 2004. ..

Nexity Financial Corporation .. Delaware corporation on March 12, 1999, as GIBC, Inc. and changed our name to Nexity Financial Corporation on March 26, 1999. We operate a wholly-own..

Southwest Bancorp Inc. ..ered in Stillwater, Oklahoma. Southwest provides commercial and consumer banking services through its banking subsidiaries, Stillwater National Bank &..

Boise Cascade Corporation ..he terms OfficeMax, the company, and we include OfficeMax Incorporated and its consolidated subsidiaries and predecessors. Our Securities and Exchange..

Optibase Ltd. ..he State of Israel in 1990 under the name of Optibase Advanced Systems (1990) Ltd. In November 1993 we changed our name to Optibase Ltd. Our principal..

OmniVision Technologies Inc. ..ction with audited consolidated financial statements and the notes thereto included in Item 8 of this Annual Report on Form 10-K. Except for historica..

Provident New York Bancorp ..ederally chartered corporation that owns all of the outstanding common stock of Provident Bank. At September 30, 2003, Provident Bancorp had consolida..

Peapack-Gladstone Financial Corporation .. holding company registered under the Bank Holding Company Act of 1956, as amended (Holding Company Act). The Corporation was organized under the laws..

PennFed Financial Services Inc. ..ration, was organized in March 1994 for the purpose of becoming the savings and loan holding company for Penn Federal Savings Bank (Penn Federal or th..

PHH CORP ..t otherwise requires, the company, PHH, we, our or us means PHH Corporation, a Maryland corporation, and its subsidiaries. The information presented i..

Preferred Plus Trust ..urities held by PreferredPLUS Trust Series MSD-1, please refer to Morgan Stanleys (Commission file number 001-11758) periodic reports, including annua..

Premier Community Bankshares Inc ..ng company that was incorporated in June 1989. We own all of the outstanding stock of The Marathon Bank, which was incorporated in August 1987, and Ro..

Potlatch Corporation ..trust, or REIT, that owns and manages 1.5 million acres of timberlands located in Arkansas, Idaho, Minnesota and Oregon, including a 17,000 acre hybri..

Primus Telecommunications Group Inc. .. are an integrated telecommunications services provider offering a portfolio of international and domestic voice, wireless, Internet, voice-over-Inter..

Parallel Petroleum Corporation ..s are engaged in the acquisition, development and exploitation of long life oil and natural gas reserves and, to a lesser extent, the exploration for ..

Pulte Homes Inc. ..ny whose subsidiaries engage in the homebuilding and financial services businesses. Our assets consist principally of the capital stock of our subsidi..

Provident Bankshares Corporation ..oration, is the bank holding company for Provident Bank (Provident or the Bank), a Maryland chartered stock commercial bank. At December 31, 2004, the..

Questar Corporation ..gas-focused energy company with three principal lines of business-gas and oil exploration and production, interstate gas transmission, and retail-gas ..

RCM Technologies Inc. ..of business and technology solutions designed to enhance and maximize the operational performance of its customers through the adaptation and deployme..

Regal Entertainment Group ..organized on March 6, 2002 (we, us, our, the Company or Regal), is the parent company of Regal Entertainment Holdings, Inc. (REH), which is the parent..

Rofin-Sinar Technologies Inc. ..rein also referred to as Rofin or RSTI or the Company or we, us or our) is a leader in the design, development, engineering, manufacture and marketing..

Rochester Medical Corporation ..res and markets a broad line of innovative, technologically enhanced latex-free and PVC free urinary continence and urine drainage care products for t..

Red Robin Gourmet Burgers Inc. .. subsidiaries, is a casual dining restaurant chain focused on serving an imaginative selection of high quality gourmet burgers in a family-friendly at..

Ryland Group Inc. (The) ..nd Group, Inc. is one of the nation's largest homebuilders and a leading mortgage-finance company. The Company consists of two business segments: hom..

Symmetricom Inc. ..ial Condition and Results of Operations-Risk Factors That May Impact Future Operating Results for risk factors that may adversely affect Symmetricom. ..

Secure Computing Corporation ..d in July 1989. We use our broad expertise in security technology to develop network security solutions that allow organizations to exchange critical ..

Saks Incorporated ..ncorporated in 1919, and its subsidiaries operate two business segments, Saks Department Store Group (SDSG) and Saks Fifth Avenue Enterprises (SFAE). ..

Shoe Pavilion Inc ..otwear retailer on the West Coast that offers a broad selection of women's, men's and children's designer label and name brand merchandise. The Compan..

Sigma Designs Inc. ..any, we, us, and our refer to Sigma Designs, Inc. We specialize in silicon-based digital media processing solutions for consumer products. Our highly-..

Sanders Morris Harris Group Inc. ..ion formed in 1998 (SMHG), provides a broad range of financial and other professional services through its operating subsidiaries. Our financial and o..

Sento Corporation ..call and contact center solutions for customer acquisition, customer service, service intervention and technical support. We use modern customer conta..

Superior Essex Inc ..rers in North America based on revenues and enjoy number one market share positions in North America in our core outside plant (OSP) copper communicat..

SPACEHAB Incorporated ..n 1984 and made our initial public offering of our common stock in 1995. We flew our first module on a space shuttle mission in 1993 and have continue..

STERLING BANCORP ..rant) is a bank holding company and a financial holding company as defined by the Bank Holding Company Act of 1956, as amended (the BHCA), which was o..

Star Gas Partners L.P. ..ooking statements which represent our expectations or beliefs concerning future events that involve risks and uncertainties, including those associate..

Syniverse Holdings Inc. ..l technology services to wireless carriers worldwide for over 17 years. We were founded in 1987 as GTE Telecommunication Services Inc., a unit of GTE,..

Suffolk Bancorp ..ank holding company. On that date, Suffolk acquired, and currently owns, all of the outstanding capital stock of Suffolk County National Bank. On July..

3M Company .. Manufacturing Company, was incorporated in 1929 under the laws of the State of Delaware to continue operations begun in 1902. The Board of Directors ..

Threshold Pharmaceuticals Inc. ..mpany incorporated in Delaware in 2001, is focused on the discovery, development and commercialization of drugs based on Metabolic Targeting, an appro..

Tri-Valley Corporation ..med in 1971, is in the business of exploring, acquiring and developing prospective and producing petroleum, industrial minerals and precious metals pr..

Tollgrade Communications Inc. ..er of hardware and software network assurance testing solutions for the telecommunications and cable broadband industries. We design, engineer, market..

TierOne Corporation .. 10-K and the accompanying 2004 Annual Report which are not historical facts may be forward-looking statements as that term is defined in the Private ..

Terex Corporation ..oad range of equipment primarily for the construction, infrastructure and surface mining industries. The Company is building a growing franchise under..

TeleCommunication Systems Inc. ..iable wireless data communications technology to solutions for customers. We are a Maryland corporation founded in 1987 with our headquarters located ..

Twin Disc Incorporated ..tate of Wisconsin in 1918. Twin Disc designs, manufactures and sells heavy duty off-highway power transmission equipment. Products offered include: hy..

Unica Corporation ..al Report on Form 10-K, which we refer to as this Annual Report, contain forward-looking statements that involve risk and uncertainties. Our actual re..

United-Guardian Inc. ..hat conducts research, product development, manufacturing and marketing of cosmetic ingredients, personal and health care products, pharmaceuticals, a..

Vodavi Technology Inc. ..nge of business telecommunications solutions, including traditional, converged, and IP-based telephone systems and telephony applications, as well as ..

Weight Watchers International Inc ..nd the global leader in providing healthy weight management services, operating in 30 countries around the world for over 40 years. Our programs help ..

YM BioSciences Inc. ..s of Ontario on August 17, 1994 and on December 11, 2001 the Corporation continued into the Province of Nova Scotia under the Nova Scotia Companies Ac..

American Retirement Corporation ..est operators of senior living communities in the United States. We are a senior living and health care services provider offering a broad range of ca..

Allied Irish Banks p.l.c. .. at Bankcentre, Ballsbridge, Dublin 4, Ireland. (Telephone number +353-1-660 0311) Additional statistical information may be found elsewhere as follow..

AMERUS GROUP CO ..furnished pursuant to section 13(a) or 15(d) of the Securities Exchange Act of 1934, available, free of charge at our website as soon as reasonably pr..

Ares Capital Corporation ..r loans and long-term mezzanine debt. First and second lien senior loans generally are senior debt instruments that rank ahead of subordinated debt of..

Actuant Corporation ..isconsin, is a global services provider and manufacturer of a broad range of industrial products and systems, organized into two business segments, To..

Baldor Electric Company ..in Missouri in 1920. The Company operates in one industry segment, which includes the design, manufacture, and sale of electric motors, drives, genera..

Ballantyne of Omaha Inc. .. and its subsidiaries (Ballantyne) designs, develops, manufactures and distributes commercial motion picture equipment, lighting systems, and restaura..

Buckeye Partners L.P. ..er limited partnership organized in 1986 under the laws of the state of Delaware. The Partnership's principal line of business is the transportation, ..

Caribou Coffee Company Inc. ..ffeehouse operator in the United States based on the number of coffeehouses operated. As of January 1, 2006, we had 395 coffeehouses, including nine l..

Cagles Inc. ..s first incorporated in Georgia in 1953, and its wholly owned subsidiary (Cagles Farms, Inc., formerly Strain Poultry Farms, Inc.) produce, market, an..

Cumulus Media Inc. ..us, and our refer to Cumulus Media Inc. and its consolidated subsidiaries. We use the term local marketing agreement (LMA) in various places in this r..