PennFed Financial Services Inc.

PennFed Financial Services Inc. is listed on NASDAQ (PFSB). PennFed Financial Services, Inc., a Maryland corporation, was organized in March 1994 for the purpose of becoming the savings and loan holding company for Penn Federal Savings Bank (Penn Federal or the Bank) in connection with the Banks conversion from a federally chartered mutual savings bank to a federally chartered stock savings bank (the Conversion). PennFed owns all of the outstanding common stock of the Bank. The Companys common stock is traded on the Nasdaq National Market Tier of the Nasdaq Stock Market under the symbol PFSB. PennFed and the Bank are subject to comprehensive regulation, examination and supervision by the Office of Thrift Supervision of the Department of the Treasury (OTS) and by the Federal Deposit Insurance Corporation (FDIC). The Bank is a member of the Federal Home Loan Bank (FHLB) System.

Pennichuck Corporation

Pennichuck Corporation is listed on NASDAQ (PNNW). The terms we, our, our company, and us refer, unless the context suggests otherwise, to Pennichuck Corporation and its subsidiaries, including Pennichuck Water Works, Inc. (Pennichuck), Pennichuck East Utility, Inc. (Pennichuck East), Pittsfield Aqueduct Company (Pittsfield), Pennichuck Water Service Corporation (the Service Corporation) and The Southwood Corporation (Southwood). Overview We are engaged primarily in the collection, storage, treatment and distribution of potable water in southern and central New Hampshire. We have three business segments: regulated water utilities, non-regulated water management services and real estate development and investment. Water utility revenues constituted 85% of our consolidated revenues in 2004. We are headquartered in Merrimack, New Hampshire, which is located approximately 45 miles north of Boston, Massachusetts. Pennichuck Corporation was incorporated in New Hampshire in 1983.

Pennsylvania Commerce Bancorp Inc. ..r oral forward-looking statements, including statements contained in the Companys filings with the Securities and Exchange Commission (including the a..

Papa Johns International Inc. ..hises pizza delivery and carryout restaurants under the trademark Papa John's. At December 26, 2004, the Company and its franchisees operated domestic..

Radiant Systems Inc. ..gia, Radiant Systems, Inc. (Radiant) is a leading provider of store technology focused on the development, installation and delivery of solutions for ..

Radware Ltd. ..ation under the laws of the State of Israel, and commenced operations in April 1997. Our principal executive offices are located at 22 Raoul Wallenber..

Roberts Realty Investors Inc. ..thin the meaning of the federal securities laws. These statements relate to future economic performance, plans and objectives of management for future..

Renovis Inc. ..drugs to treat neurological diseases and disorders. The Company was incorporated in Delaware in January 2000. We currently focus our research and deve..

Rainier Pacific Financial Group Inc. ..n corporation, was organized on May 23, 2003 for the purpose of becoming the holding company for Rainier Pacific Savings Bank (Rainier Pacific Bank or..

RADVision Ltd. ..f Israel in January1992, commenced operations in October 1992 and commenced sales of our products in the fourth quarter of 1994. Before that time, our..

Salem Communications Corporation .. radio broadcasting company, measured by number of stations and audience coverage, providing programming targeted at audiences interested in Christian..

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SEI Investments Company ..owned subsidiaries, is a leading global provider of outsourced business solutions to the financial services industry for wealth management. We serve t..

Stone Energy Corporation .. engaged in the acquisition and subsequent exploration, development, operation and production of oil and gas properties located in the conventional sh..

Companhia Siderurgica Nacional S.A. ..ent of CSN 1. General We are the second largest fully-integrated steel producer in Brazil and one of the largest in Latin America in terms of crude st..

SiRF Technology Holdings Inc. ..stem, or GPS, semiconductor solutions designed to provide location awareness capabilities in high-volume mobile consumer and commercial applications. ..

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Sontra Medical Corporation ..rep , a non-invasive ultrasonic skin permeation technology for medical and therapeutic applications including transdermal diagnostics and the enhanced..

Stora Enso Oyj ..nd board manufacturer in Europe and the largest paper and board manufacturer in the world based on production capacity, with 16.7 million metric tons ..

S1 Corporation ..incorporated into this annual report on Form 10-K by reference contain forward-looking statements within the safe harbor provisions of the Private Sec..

SRI-Surgical Express Inc. ..eminate, and oral statements that are made on our behalf might contain both statements of historical fact and forward-looking statements. These forwar..

Specialty Underwriters Alliance Inc. ..ly-owned subsidiary, SUA Insurance Company, offer commercial property and casualty insurance to selected customer groups. We believe that we are diffe..

SWS Group Inc. ..delivering a broad range of investment, commercial banking and related financial services to individual, corporate and institutional investors, broker..

TB Woods Corporation ..designer, manufacturer and marketer of electronic and mechanical industrial power transmission products. The Companys products are sold to North Ameri..

Tecumseh Products Company ..dent, global manufacturer of hermetic compressors for air conditioning and refrigeration products, gasoline engines and power train components for law..

Tel-Instrument Electronics Corp. ..business since 1947. Tel is a leading designer and manufacturer of avionics test and measurement solutions for the global commercial air transport, ge..

Tefron Ltd. .. State of Israel on March 10, 1977. Our principal executive offices are located at Ind. Center Teradyon, P.O. Box 1365, Misgav 20179, Israel and our t..

Trend Micro Incorporated ..velop, market and support antivirus and Internet content security software and services. Our legal name in Japan is Trend Micro Kabushiki Kaisha and T..

Travelers Property Casualty Corporation ..rty casualty insurance holding company engaged, through its subsidiaries, in two business segments: Commercial Lines and Personal Lines. Travelers Pro..

Trustreet Properties Inc. ..ts subsidiaries, including Fuel Supply, Inc. (FSI), is a fully integrated, self-administered real estate investment trust (REIT). The Company acquires..

Talbots Inc. (The) ..r with its wholly owned subsidiaries (Talbots), is a leading national specialty retailer and cataloger of women's, children's and men's classic appare..

TRM Corporation ..owners and operators of off-premises ATM networks, with operations in the United States, United Kingdom and Canada. We expanded into the ATM business ..

UnionBancorp Inc .. financial services organization based in Ottawa, Illinois, encompassing one bank subsidiary. Together, the Companys sales and service centers serve c..

Universal Health Services Inc. ..rough our subsidiaries, acute care hospitals, behavioral health centers and ambulatory surgery and radiation oncology centers. As of March 1, 2005, we..

U.S. Energy Systems Inc. .. NY, is a provider of thermal and electrical energy and energy outsourcing. Our energy services involve the management, development, operation and own..

Varian Inc. ..ectively), designs, develops, manufactures, markets, sells and services scientific instruments (including related software, consumable products, acces..

Orthovita Inc. ..urrent conditions, our disclosure and analysis in this Form 10-K contain some forward-looking statements. Forward-looking statements provide our curre..

Verso Technologies Inc. .., designs, manufactures and markets products and solutions that enable carrier, enterprise and government entities to lower telecom costs, reduce netw..

Vivus Inc. ..focused on the research, development and commercialization of products to restore sexual function in women and men. Our product pipeline includes four..

Wind River Systems Inc. ..telligent connected devices are becoming pervasive in our daily lives, and the functionality of these devices is expanding rapidly. This new functiona..

Willbros Group Inc. ..-. We make available free of charge through our internet site, via a link to Edgar Online, our annual reports on Form 10-K, quarterly reports on Form ..

Weingarten Realty Investors ..e investment trust organized under the Texas Real Estate Investment Trust Act, and its predecessor entity began the ownership and development of shopp..

Woodhead Industries Inc. ..be referred to as we, us, or our) is engaged in two business segments serving a diverse group of customers and industries worldwide. We develop, manuf..

Crosstex Energy Inc. ..ormed in April 2000. We completed our initial public offering in January 2004. Our shares of common stock are listed on the NASDAQ National Market und..

Zenith National Insurance Corporation .. a Delaware corporation incorporated in 1971, is a holding company engaged through its wholly-owned insurance subsidiaries, Zenith Insurance Company (..

Zones Inc. ..ased on managements current expectations, estimates and projections about the industry in which the Company operates, managements beliefs and certain ..

Autobytel Inc. ..companies to disclose forward-looking information so that investors can better understand a company's future prospects and make informed investment de..

AeroCentury Corp. ..ation, uses leveraged financing to acquire leased aircraft assets. AeroCentury was formed in 1997. Financial information for AeroCentury and its wholl..

Agree Realty Corporation ..elf-managed real estate investment trust (a REIT) that focuses primarily on the development, acquisition and ownership of retail properties net leased..

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American Israeli Paper Mills Ltd. ..s of the State of Israel, and, together with its subsidiaries and associated companies (which together with the Company are referred to as the Group) ..

Akzo Nobel N.V. ..y (Naamloze Vennootschap) organized under the law of the Netherlands for an indefinite period. The principal executive offices of Akzo Nobel N.V. are ..

Alfa Corporation ..s a financial services holding company that offers property and casualty insurance, life insurance and financial services products through its wholly-..

American Superconductor Corporation .. develop and manufacture products to dramatically improve the cost, efficiency and reliability of systems that generate, deliver and use electric powe..

American Oriental Bioengineering Inc. ... (we, us, our, AOBO or our company), was founded as Champion Ventures, Inc. on November 30, 1970. On May 7, 1999 we acquired Internet Golf Associatio..

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ArvinMeritor Inc. ..n Troy, Michigan, is a global supplier of a broad range of integrated systems, modules and components serving light vehicle, commercial truck, trailer..

American States Water Company ..rt being filed by two separate Registrants: American States Water Company (hereinafter AWR) and Southern California Water Company (hereinafter SCW). R..

American Tower Corporation ..ions infrastructure company with a portfolio of approximately 15,000 towers. Our primary business is leasing antenna space on multi-tenant communicati..

American Vanguard Corporation ..er the laws of the State of Delaware in January 1969 and operates as a holding company. Unless the context otherwise requires, references to the Compa..

AXT Inc ..h-performance compound and single element semiconductor substrates comprising gallium arsenide (GaAs), indium phosphide (InP) and germanium (Ge). Our ..

Boston Communications Group Inc. ..porated in Massachusetts in 1988 and provides innovative products and services to enable advanced voice and data services for wireless operators, incl..

Bed Bath & Beyond Inc. ..pecialty retail stores nationwide, including stores of Bed Bath & Beyond (BBB), Harmon Stores, Inc. (Harmon) and Christmas Tree Shops, Inc. (CTS). The..

Biomed Realty Trust ..ny refer to BioMed Realty Trust, Inc., a Maryland corporation and any of our subsidiaries, including BioMed Realty, L.P., a Maryland limited partnersh..

BWC Financial Corporation ..g company registered under the Bank Holding Company Act of 1956, as amended. It is a holding company for Bank of Walnut Creek, (Bank) which was incorp..