NBT Bancorp Inc.

NBT Bancorp Inc. is listed on NASDAQ (NBTB). NBT Bancorp Inc. (the Registrant) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The Registrant is the parent holding company of NBT Bank, N.A., NBT Financial Services, Inc. (NBT Financial), and CNBF Capital Trust I (see Note 12 to the Notes to Consolidated Financial Statements). Through these subsidiaries, the Company operates as one segment focused on community banking operations. The Registrants primary business consists of providing commercial banking and financial services to its customers in its market area. The principal assets of the Registrant are all of the out-standing shares of common stock of its direct subsidiaries, and its principal sources of revenue are the management fees and dividends it receives from the Bank and NBT Financial.

NBTY Inc.

NBTY Inc. is listed on NYSE (NTY). NBTY, Inc. (together with its subsidiaries, the Company, NBTY, we or us) is a leading vertically integrated manufacturer, marketer and retailer of a broad line of high quality, value-priced nutritional supplements in the United States and throughout the world. Under a number of the Companys and third-party brands, the Company offers over 22,000 products, including vitamins, minerals, herbs, sports nutrition products, diet aids and other nutritional supplements. The Company is vertically integrated in that it purchases raw materials, formulates and manufactures its products and then markets its products through its four channels of distribution: º • º Wholesale distribution to mass merchandisers, drug store chains, supermarkets, independent pharmacies and health food stores under various brand names, including the Natures Bounty, Solgar, SISU and Sundown portfolio of brands; º • º Direct Respo

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..

OSI Systems Inc. ..ally integrated, worldwide provider of security and inspection systems, medical monitoring and anesthesia systems and optoelectronic devices and value..

Panamsat Holding Corporation ..te, Internet, voice and government communications services with a large and modern fleet of 23 in-orbit satellites. We lease transponder capacity on o..

PerkinElmer Inc. ..s, consumables and services to the pharmaceutical, biomedical, environmental testing and general industrial markets, commonly referred to as the healt..

Perma-Fix Environmental Services Inc. ..mental and technology know-how company, is a Delaware corporation, engaged through its subsidiaries, in: . Industrial Waste Management Services (Indus..

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..

Paxar Corporation ..k in 1946, is a global leader in providing innovative merchandising systems for the retail and apparel manufacturing industries. The Companys business..

Panacos Pharmaceuticals Inc. ..s Panacos) seeks to develop next generation anti-infective products through the discovery and development of small molecule oral drugs designed to tre..

PRA International ..tion, or CRO, with approximately 2,500 employees working from 23 offices located in North America, Europe, Africa, South America, Australia, and Asia...

PriceSmart Inc. .. concerning PriceSmart, Inc.’s (PriceSmart) anticipated future revenues and earnings, adequacy of future cash flow and related matters. These forward-..

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..

Qiagen N.V. ..n April 29, 1996, we were incorporated as QIAGEN N.V., a public limited liability company (naamloze vennnootschap) under Dutch law as a holding compan..

FreightCar America Inc. .. railcars in North America, based on the number of railcars delivered. We specialize in the production of coal-carrying railcars, which represented 93..

Rediff.com India Limited ..ormation, communication, entertainment, and shopping services focusing on India and the worldwide Indian community. Its Web sites consists of interest..

ResMed Inc. ..ibutor of medical equipment for treating, diagnosing, and managing sleep-disordered breathing and other respiratory disorders. Sleep-disordered breath..

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..

Retalix Ltd. .. During 2000, we changed our name from Point of Sale Ltd. to our current name. We were incorporated on March 5, 1982, under the laws of the State of I..

Sanofi-Aventis SA ..engaged in the research, development, manufacture and marketing of healthcare products. In 2005, our net sales amounted to €27,311 million. On the bas..

SCM Microsystems Inc. ..s) was incorporated in 1996 under the laws of the state of Delaware. We design, develop and sell hardware, software and silicon solutions that enable ..

SEMCO Energy Inc. ..sted regulated public utility company headquartered in southeastern Michigan. It was founded in 1950 as Southeastern Michigan Gas Company. In 1977, So..

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-..

Tanger Factory Outlet Centers Inc. ..es, a fully-integrated, self-administered and self-managed real estate investment trust (REIT), focuses exclusively on developing, acquiring, owning, ..

Sharper Image Corporation ..any, The Sharper Image, and it) is a leading specialty retailer of innovative, high quality products that are useful and entertaining and are designed..

Span-America Medical Systems Inc. ..ooking statements that describe anticipated results for Span-America Medical Systems, Inc. (Span-America). These statements are estimates or forecasts..

Greenhill ..m that (i) provides financial advice on significant mergers, acquisitions, restructurings and similar corporate finance matters and (ii) manages merch..

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..

Sunair Services Corporation ..us, we or our) is a Florida corporation organized in 1956. We changed our corporate name from Sunair Electronics, Inc. to Sunair Services Corporation ..

Stanley Furniture Company Inc. ..dential wood furniture exclusively targeted at the upper-medium price range. We offer diversified product lines across all major style and product cat..

Timberland Company (The) ..e on December 20, 1978. We are the successor to the Abington Shoe Company, which was incorporated in Massachusetts in 1933. We refer to The Timberland..

Telephone and Data Systems Inc. ..sified telecommunications service company with wireless telephone and wireline telephone operations. At December 31, 2004, TDS served approximately 6...

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..

Meridian Resource Corporation (The) .. independent oil and natural gas company that explores for, acquires and develops oil and natural gas properties utilizing 3-D seismic technology. Our..

TEPPCO Partners L.P. ..e limited partnership, is a master limited partnership formed in March 1990. We operate through TE Products Pipeline Company, Limited Partnership (TE ..

TORCHMARK CAPITAL TR I ..lding company, was incorporated in Delaware in 1979, as Liberty National Insurance Holding Company and was renamed Torchmark Corporation in 1982. Its ..

Microvision Inc. ..sion, Inc. (Microvision) and Lumera Corporation (Lumera), a subsidiary that was consolidated prior to July 2004. In July 2004, Lumera completed an ini..

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..

US DATAWORKS INC ..software, serving several of the top 25 banking institutions, top 10 credit card issuers, major retailers and the United States Government. We generat..

UMB Financial Corporation ..nder Missouri law for the purpose of becoming a bank holding company registered under the Bank Holding Company Act of 1956. In 2001, the Company elect..

United States Cellular Corporation .. provides wireless telephone service to 4,945,000 customers through the operations of 175 majority-owned (consolidated) wireless licenses throughout t..

Virginia Commerce Bancorp ..g business through the Bank, its sole direct operating subsidiary. The Banks customer base includes small-to-medium-sized businesses, including firms ..

Valentis Inc. ..orward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act ..

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

Wacoal Holdings Corporation ..lopment of Wacoal. Wacoal Corp. is a joint stock corporation that was incorporated under the Commercial Code of Japan in 1949 with the name Wako Shoji..

W&T Offshore Inc. ..in this Annual Report to W&T, we, us and our refer to W&T Offshore, Inc. and its consolidated subsidiaries. We are an independent oil and natural gas ..

White Electronic Designs Corporation ..oelectronic and display components and systems for inclusion in high technology products for military, industrial and commercial markets. Our microele..

Windrose Medical Properties Trust ..istered and self-managed real estate company, operating as a real estate investment trust (REIT) for federal income tax purposes. The Company invests ..

Wright Medical Group Inc. .. Technology, Inc. and other operating subsidiaries, is a global orthopaedic medical device company specializing in the design, manufacture and marketi..

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..

Zygo Corporation ..esigns, develops, and manufactures ultra-high precision measurement solutions to improve our customers manufacturing yields, and optical components an..

ALCON INC ..Inc. was originally incorporated in Switzerland in 1971 as Société Fromagère Nestlé S.A., and, after a change of our name to Alcon Universal S.A. in 1..

American Claims Evaluation Inc. .. in the State of New York and commenced operations in April 1982. The Company provides a full range of vocational rehabilitation and disability manage..

ADA-ES Inc. ..tements within the meaning of Section 27A of the Securities Act of 1933 that involve risks and uncertainties. In particular such forward-looking state..

AES TR III .. operations in 27 countries on five continents. A Delaware corporation formed in 1981, AES is a holding company that, through its subsidiaries, operat..

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..

Apartment Investment and Management Company ..mco, is a Maryland corporation incorporated on January 10, 1994. We are a self-administered and self-managed real estate investment trust, or REIT, en..

AMB Property Corporation ..acquires, develops and operates primarily industrial properties in key distribution markets throughout North America, Europe and Asia. We commenced op..

Arrow Financial Corporation ..a New York corporation, was incorporated on March 21, 1983 and is registered as a bank holding company within the meaning of the Bank Holding Company ..

Avant Immunotherapeutics Inc. ..fer to AVANT Immunotherapeutics, Inc., a Delaware corporation organized in 1983. We are a biopharmaceutical company that uses novel applications of im..

BE Semiconductor Industries NV .. leading manufacturer of semiconductor die sorting, flip chip and multi-chip die bonding, packaging and plating equipment for both leadframe and array..

Bar Harbor Bankshares Inc. .., 1984. As of March 7, 2005, the Company’s securities consisted of one class of common stock, par value of $2.00 per share, of which there were 3,076,..