Nicholas Financial Inc.

Nicholas Financial Inc. is listed on NASDAQ (NICK). Nicholas Financial, Inc. (Nicholas Financial-Canada) is a Canadian holding company incorporated under the laws of British Columbia in 1986. The business activities of Nicholas Financial-Canada are conducted through its two wholly-owned subsidiaries formed pursuant to the laws of the State of Florida, Nicholas Financial, Inc. (Nicholas Financial) and Nicholas Data Services, Inc., (NDS). Nicholas Financial is a specialized consumer finance company engaged primarily in acquiring and servicing retail installment sales Contracts (Contracts) for purchases of new and used automobiles and light trucks. To a lesser extent, Nicholas Financial also makes direct loans and sells consumer-finance related products. NDS is engaged in supporting and updating industry specific computer application software for small businesses located primarily in the Southeast United States.

Nicor Inc.

Nicor Inc. is listed on NYSE (GAS). Nicor Inc. (Nicor), an Illinois corporation formed in 1976, is a holding company. Gas distribution is Nicors primary business. Nicors principal subsidiaries are Northern Illinois Gas Company (doing business as Nicor Gas Company (Nicor Gas)), one of the nations largest distributors of natural gas, and Tropical Shipping, a leading transporter of containerized freight in the Bahamas and the Caribbean region. Nicor also owns several energy-related ventures, including Nicor Services and Nicor Solutions, which provide energy-related products and services for retail markets, and Nicor Enerchange, a wholesale natural gas marketing company. As a consolidated group, Nicor had approximately 3,600 employees at year-end 2004. Summary financial information for Nicors major business segments is included in the Notes to the Consolidated Financial Statements - Note 12 Business Segment and Geographic Information. The following sections describe Nicors larger businesses.

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Pacific Gas & Electric Co. ..95, is an energy-based holding company that conducts its business principally through Pacific Gas and Electric Company, or the Utility, a public utili..

Perrigo Company ..care supplier and the worlds largest manufacturer of over-the-counter (OTC) pharmaceutical and nutritional products for the store brand market. The Co..

Progressive Corporation (The) ..ess in 1937. The Progressive Corporation, an insurance holding company formed in 1965, has 70 subsidiaries and 1 mutual insurance company affiliate. T..

PortalPlayer Inc. ..s, develops and markets comprehensive platform solutions, including a system-on-chip, firmware and software, for manufacturers of feature-rich, hard d..

PNC Bank Corp. ..rvices companies in the United States, operating businesses engaged in regional community banking, wholesale banking, wealth management, asset managem..

Pre-Paid Legal Services Inc. ..tates organized solely to design, underwrite and market legal expense plans. Our predecessor commenced business in 1972 and began offering legal expen..

Bell Industries Inc. ..ogy product sales and managed technology lifecycle services; sales of aftermarket products for recreational vehicles, motorcycles and ATVs, snowmobile..

Prospect Energy Corporation .. an election to be treated as a business development company under the Investment Company Act of 1940, as amended, or the 1940 Act, and are a non-dive..

Publicis Groupe S.A. ...A. and its commercial name is Publicis. Our company is a société anonyme, a form of corporation. It was incorporated in 1938, pursuant to the French ..

Pizza Inn Inc. .. referred to as the Company, Pizza Inn or in the first person notations of we, us and our) operate and franchise pizza buffet, delivery-carry-out and ..

RailAmerica Inc. ..e freight railroads in North America. We own, lease or operate a diversified portfolio of 44 railroads with approximately 8,800 miles of track located..

Rockville Financial Inc. ..-tier stock holding company was formed in Connecticut on December 17, 2004 to reorganize Charter Oak Community Bank Corp. from a state-chartered mutua..

Dr. Reddys Laboratories Ltd ..d development of our company Dr. Reddy's Laboratories Limited was incorporated in India under the Companies Act, 1956, by its promoter, Dr. K. Anji Re..

Ricks Cabaret International Inc. ..urrently own and operate a total of nine adult nightclubs that offer live adult entertainment, restaurant and bar operations. Four of our clubs operat..

RealNetworks Inc. ..al media services and software. Consumers use our services and software to find, play, purchase and manage free and premium digital content, including..

Regeneration Technologies Inc. ..innovative technologies to produce allografts that repair and promote the natural healing of human bone and other human tissues and improve surgical o..

Salix Pharmaceuticals Ltd. ..lable free of charge through our website our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, and all amendmen..

Sterling Bancshares Inc. ..section entitled Forward-Looking Statements in Management's Discussion and Analysis of Financial Condition and Results of Operations included in Item ..

Schnitzer Steel Industries Inc. ..s in three vertically integrated business segments that include the Metals Recycling Business, the Auto Parts Business and the Steel Manufacturing Bus..

All American Semiconductor Inc. ..ies (collectively, the Company; sometimes referred to herein as Registrant) is a distributor of electronic components manufactured by others. The Comp..

Shuffle Master Inc. .. providing our casino and other gaming customers with automatic card shufflers and other Utility Products to improve their profitability, productivity..

SK Telecom Corporation Ltd. ..ELOPMENT OF THE COMPANY Introduction We are Korea's leading wireless telecommunications services provider and a pioneer in the commercial development ..

SMTC Corporation ..ectronics manufacturing services, or EMS, to original equipment manufacturers, or OEMs, primarily in the industrial, enterprise computing and networki..

StealthGas Inc. ..lic of the Marshall Islands. In October 2005, we completed an initial public offering of our shares of common stock in the United States and our share..

SOURCECORP Incorporated .. process outsourcing solutions specializing in document and information management and a provider of specialized knowledge-based processing and-or con..

Merrill Lynch & Co. Inc. ..urities held by INDEXPLUS Trust Series 2003-1, please refer to respective periodic reports, including annual reports on Form 10-K, quarterly reports o..

Stewart Enterprises Inc. .. of funeral and cemetery products and services in the death care industry in the United States. Through our subsidiaries, we provide a complete range ..

Sulphco Inc. ..age company in 2004, as defined by Statement of Financial Accounting Standards (SFAS) No. 7 due to the Companys primary focus of continuing to develop..

Sitel Corporation ..he Company are to SITEL Corporation and its subsidiaries, collectively. We are a leading global provider of outsourced customer support services. . We..

Sysco Corporation .. and divisions (collectively referred to as SYSCO), is the largest North American distributor of food and related products primarily to the foodservic..

The DirecTV Group Inc ..he company, we or us, was incorporated in Delaware in 1977 and was subsequently acquired by GM in 1985. From 1985 to 2003, we were a wholly-owned subs..

Toll Brothers Inc. .. in May 1986, began doing business through predecessor entities in 1967. When this report uses the words we, us, and our, they refer to Toll Brothers,..

TOP Tankers Inc. .. January 2000, under the laws of Marshall Islands and renamed to TOP Tankers Inc. in May 2004. On July 23, 2004, our common stock was listed on the Na..

TeamStaff Inc. ..ff), was founded in 1969 as a payroll service company and has evolved into a national provider of payroll and temporary and permanent medical and admi..

Tarragon Corporation .. over 30 years of experience in the real estate industry. During 2004, we delivered 818 homes with an average price of $259,000 per home and 126 singl..

Trammell Crow Company ..sified commercial real estate service companies in the world. The Company delivers a comprehensive range of services to leading multinational corporat..

Trump Entertainment Resorts Inc ..s, Inc. (THCR,) and certain of its subsidiaries (collectively, the Debtors) filed voluntary petitions for relief under chapter 11 of the United States..

Mac-Gray Corporation ..equires otherwise, all references in this report to we, our, Mac-Gray, the Company, or us means Mac-Gray Corporation and its subsidiaries and predeces..

United American Healthcare Corporation ..orated in Michigan on December 1, 1983 and commenced operations in May 1985. Unless the context otherwise requires, all references to the Company indi..

UIL Holdings Corporation .. in July 2000 and is an exempt public utility holding company under the provisions of the Public Utility Holding Company Act of 1935. Through its vari..

USI Holdings Corporation ..oducts and services primarily to small and mid-sized business clients. We generate revenues primarily from: . commissions paid by insurance companies ..

V.F. Corporation ..leader in the manufacturing and marketing of branded apparel and related products. Unless the context indicates otherwise, the term VF used herein mea..

Varian Semiconductor Equipment Associates Inc. ..arian Semiconductor) is the leading supplier of ion implantation systems used in the fabrication of semiconductor chips. Varian Semiconductor designs,..

Meridian Gold Inc. ..ral Reserves and Resources Although the Company has carefully prepared and verified its calculations of the mineral reserves and mineral resources pre..

VistaCare ..ar pronoun), is a Delaware corporation providing medical care designed to address the physical, emotional, and spiritual needs of patients with a term..

webMethods Inc. ..ooking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934,..

Westwood One Inc. .. we, us and our refer to Westwood One, Inc. General Westwood One supplies radio and television stations with information services and programming. The..

LYON WILLIAM HOMES ..bsidiaries are primarily engaged in the design, construction and sale of single family detached and attached homes in California, Arizona and Nevada...

Warren Resources Inc. ..natural gas and oil reserves and the PV-10 value of our interests in net reserves in producing properties as of December 31, 2004, 2003 and 2002 based..

WMS Industries Inc. ..ware on November 20, 1974 under the name Williams Electronics, Inc. and succeeded to the amusement game business that had been conducted for almost 30..

Utah Medical Products Inc. ..ess of producing high quality cost-effective healthcare industry devices that are predominantly proprietary, disposable and for hospital use. Success ..

Zumiez Inc. ..ports related apparel, footwear, equipment and accessories operating under the Zumiez brand name. As of January 28, 2006, we operated 174 stores prima..

Barrick Gold Corporation ..Barrick has traditionally grown its reserve base through a combination of acquisitions and focused exploration on and around its operating properties...

Access National Corporation ..17, 2002 under the laws of Virginia to operate as a bank holding company. The Corporation has three wholly owned subsidiaries: Access National Bank, A..

ADVO Inc. ..y engaged in soliciting and processing printed advertising from retailers, manufacturers and service companies for targeted distribution by both share..

American Eagle Outfitters Inc. ..ation, is a leading lifestyle retailer that designs, markets and sells our own brand of relaxed, casual clothing for 15 to 25 year olds, providing hig..

ArQule Inc. ..arch and development of cancer therapeutics. Our mission is to research, develop, and commercialize broadly effective cancer drugs with reduced toxici..

ALCAN Inc. ..oup involved in many aspects of the aluminum and packaging industries. Through Subsidiaries, Joint Ventures and Related Companies around the world, th..

American Biltrite Inc. ..rite Inc. (together with, unless the context otherwise indicates, its wholly-owned subsidiaries and K&M Associates L.P., ABI) was organized in 1908 an..

Amkor Technology Inc. ..tements. In some cases, you can identify forward-looking statements by terminology such as may, will, should, expects, plans, anticipates, believes, e..

Arch Capital Group Ltd. ..ctors for a discussion of risk factors relating to our business. OUR COMPANY General Arch Capital Group Ltd. (ACGL and, together with its subsidiaries..

AptarGroup Inc. ..nd its subsidiaries as AptarGroup or the Company. We are a leading global supplier of a broad range of innovative dispensing systems for the personal ..

BANCO DE CHILE ..ed in 1893, and we believe that we have been, for much of our recent history, among the largest and most profitable Chilean banks in terms of return o..