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FreightCar America Inc.

FreightCar America Inc. is listed on NASDAQ (RAIL). We are the leading manufacturer of aluminum-bodied railcars in North America, based on the number of railcars delivered. We specialize in the production of coal-carrying railcars, which represented 93% of our deliveries of railcars in 2005 and 78% of our deliveries of railcars in 2004, while the balance of our production consisted of a broad spectrum of railcar types, including aluminum-bodied and steel-bodied railcars. We also refurbish and rebuild railcars and sell forged, cast and fabricated parts for all of the railcars we produce, as well as those manufactured by others. We have chosen not to offer significant railcar leasing services, as we have made a strategic decision not to compete with our customers that provide railcar leasing services, which represent a significant portion of our revenue. We believe that we are the leading North American manufacturer of coal-carrying railcars.

FREMONT GEN FING I

FREMONT GEN FING I is listed on NYSE (FMT-). This report may contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, and are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements and the currently reported results are based upon the current expectations and beliefs of Fremont General Corporation (Fremont) and its subsidiaries (combined the Company) concerning future developments and their potential effects upon the Company. These statements and the Company's results reported herein are not guarantees of future performance or results and there can be no assurance that actual developments and economic performance will be as anticipated by the Company.

Hampshire Group Limited ..ware corporation, is a holding company that markets apparel through two wholly-owned subsidiaries, Hampshire Designers, Inc. (Hampshire Designers) and..

Horizon Financial Corp. ..n law on May 22, 1995, and became the holding company for Horizon Bank (Horizon Bank or the Bank), effective October 13, 1995. Effective June 19, 1999..

Harleysville National Corporation .. corporation, was incorporated in June, 1982. On January 1, 1983, the Corporation became the parent bank holding company of Harleysville National Bank..

Hub Group Inc. .. incorporated on March 8, 1995. We are one of North America's leading non-asset based freight transportation management companies. We offer comprehens..

HOSPIRA INC ..edication delivery company that is focused on products that improve the productivity, safety and efficacy of patient care in the acute care setting. H..

International Assets Holding Corporation ..ubsidiaries form a financial services group focused on select international markets. We commit our capital and expertise to market-making and trading..

Icagen Inc. ..discovery, development and commercialization of novel orally-administered small molecule drugs that modulate ion channel targets. Ions are charged par..

Identix Incorporated ..that relate to future plans, events or performance are forward-looking statements. Actual results could differ materially due to a variety of factors,..

ILX Resorts Incorporated ..ng developers, marketers and operators of timeshare resorts in the western United States. The Company's principal operations consist of (i) acquiring,..

IntegraMed America Inc. ..ices to patients and providers in the fertility industry. The IntegraMed Network is comprised of twenty-five fertility centers in major markets across..

IRIDEX Corporation ..e diseases in ophthalmology and skin conditions in dermatology (also referred to as aesthetics). Our products are sold in the United States predominan..

ITC Holdings Corp. ..ber 2002 for the purpose of acquiring Predecessor ITCTransmission. ITC Holdings is a holding company with no business operations and its material asse..

Invitrogen Corporation .. 1987 and incorporated in California in 1989. In 1997 we reincorporated as a Delaware corporation. Our principal offices are in Carlsbad, California. ..

JED Oil Inc ..that was incorporated under the laws of the Province of Alberta, Canada on September 3, 2003. Our head and principal office is located at 2200, 500 - ..

K&F Industries Holdings Inc. ..anufacturer of aircraft wheels, brakes, brake control systems and flexible bladder fuel tanks for commercial transport, general aviation and military ..

Kraft Foods Inc. ..in the Commonwealth of Virginia. Kraft, through its subsidiaries (Kraft and its subsidiaries are hereinafter referred to as the Company), is engaged i..

Koss Corporation ..ation and its consolidated subsidiaries, unless the context otherwise requires. The Company was incorporated in Delaware in 1971. The Company operates..

Lakeland Bancorp Inc. .. is a bank holding company registered with and supervised by the Board of Governors of the Federal Reserve System (the Federal Reserve Board). The Com..

Lehman Brothers Fin SA ..ehman Brothers Holdings Inc., a Delaware corporation, incorporated on December 29, 1983. Holdings and its subsidiaries are collectively referred to as..

Loews Corporation ..iaries are engaged in the following lines of business: commercial property and casualty insurance (CNA Financial Corporation, a 91% owned subsidiary);..

LoJack Corporation ..products and services for tracking and recovering valuable mobile assets. LoJack was organized as a Massachusetts corporation in 1978. Our proprietary..

Stellent Inc. ..atements within the meaning of the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities ..

J. W. Mays Inc. ..treet, Brooklyn, New York 11201, operates a number of commercial real estate properties, which are described in Item 2 Properties. The Companys busine..

MEDICURE INC ..ertificate of Incorporation issued pursuant to the provisions of the Business Corporations Act (Alberta) on June 3, 1997. On February 11, 1999, by Cer..

Allstate Corporation (The) ..e laws of the State of Delaware on November 5, 1992 to serve as the holding company for Allstate Insurance Company. Its business is conducted principa..

MedCath Corporation ..the diagnosis and treatment of cardiovascular disease. We own and operate hospitals in partnership with physicians whom we believe have established re..

McGraw-Hill Companies Inc. (The) ..ecember 1925, is a leading global information services provider serving the financial services, education and business information markets with inform..

MDC Partners Inc. ..of Amalgamation effective December 19, 1986 pursuant to the Business Corporations Act (Ontario). Effective December 19, 1986, the Company amalgamated ..

Monongahela Power Company ..ns and operates electric generation facilities and delivers electric and natural gas services to customers in Pennsylvania, West Virginia, Maryland, V..

Mitcham Industries Inc. ..s incorporated in 1987. Since our organization, we have primarily been engaged in the leasing and sales of seismic equipment to the seismic industry w..

MITY Enterprises Inc. ..markets premium quality, innovative institutional furniture created to meet the efficiency needs of its customers. The Companys product lines include ..

MarkWest Hydrocarbon Inc. ..ing the value of our investment in MarkWest Energy, a publicly-traded limited partnership engaged in the gathering, processing and transmission of nat..

Natrol Inc. ..11 Prairie Street, Chatsworth, California 91311 and its telephone number is 818-739-6000. Company information may be accessed via the Company's web si..

National Grid Transco PLC ..our UK gas distribution networks. The North of England distribution network was sold to a consortium led by Cheung Kong Infrastructure Holdings Limite..

Ninetowns Digital World Trade Holdings Limited ..se formed under PRC law on March 22, 1995, focused on the research and development of software related to the declaration process, in addition to sell..

North Valley Bancorp ..0-K (excluding statements of fact or historical financial information) involve forward-looking information within the meaning of Section 27A of the Se..

Northern States Power Co Minnesota ..wned five utility subsidiaries that serve electric and natural gas customers in 11 states. Four of these utility subsidiaries are SEC registrants, inc..

Nanogen Inc. .. the quality of healthcare by introducing advanced human diagnostic products that will provide higher quality of information in a shorter period of ti..

NVP CAP III ..der Nevada law on December 12, 1983. SPR's mailing address is P.O. Box 30150 (6100 Neil Road), Reno, Nevada 89520-3150 (89511). SPR has six primary, w..

Optical Cable Corporation ..formation within the meaning of the federal securities laws. The forward-looking information may include, among other information, (i) statements conc..

OMNI Energy Services Corp. ..ld service company specializing in providing a range of (i) onshore seismic drilling, operational support, permitting, survey and helicopter support s..

Orange 21 Inc. ..ooking statements that involve a number of risks and uncertainties. These forward-looking statements include, but are not limited to, statements and p..

Outback Steakhouse Inc. ..ure Partners, Inc., a Florida corporation, and in January 1990 we changed our name to Outback Steakhouse, Inc. (Outback Florida). Outback Steakhouse, ..

Pac-West Telecomm Inc. ..similar terms as used in this Form 10-K, refer to Pac-West Telecomm, Inc. Our Company We were incorporated in May 1996 in the State of California. Our..

PMI Group Inc. (The) ..ment as well as other products and services that promote homeownership and facilitate mortgage transactions in the capital markets. We offer mortgage ..

Perceptron Inc. ..anufactures and markets information-based measurement and inspection solutions for process improvement. Perceptrons product offerings are designed to ..

Procter & Gamble Company (The) ..corporated herein by reference to Management's Discussion and Analysis, which appears on pages 25-40; Note 1, Summary of Significant Accounting Polici..

Playboy Enterprises Inc. ..diaries and predecessors, will be referred to in this Form 10-K Annual Report by terms such as we, us, our, Playboy and the Company, unless the contex..

TranSwitch Corporation ..e read in conjunction with the information included elsewhere in this document. The description contains certain forward-looking statements that invol..

Princeton National Bancorp Inc. ..ation,) is a single-bank holding company which operates in one business segment and conducts a full-service commercial banking and trust business thro..

PACIFICORP ..ing retail customers in portions of the states of Utah, Oregon, Wyoming, Washington, Idaho and California. As a vertically integrated electric utility..

PSB Holdings Inc. ..g statements which may be identified by the use of words such as believe, expect, anticipate, should, planned, estimated and potential. Examples of fo..

Polaris Industries Inc. ..poration, was formed in 1994 and is the successor to Polaris Industries Partners LP. The term Polaris as used herein refers to the business and operat..

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..

Q.E.P. Co. Inc. ..tures, markets and distributes a broad line of specialty tools and flooring related products for the home improvement market in the United States of A..

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..

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..

Ruths Chris Steak House Inc. ..rgest upscale steakhouse company in the United States, based on total company- and franchisee-owned restaurants as published in the Technomic, Inc. 20..

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..

Symmetry Medical Inc .., together with its consolidated subsidiaries, as the Corporation) is the world's largest independent provider of implants and related instruments and..