Scientific Learning Corporation

Scientific Learning Corporation is listed on NASDAQ (SCIL). We develop and distribute the Fast ForWord® family of reading intervention software. Our patented products apply advances in neuroscience and cognitive research to build the fundamental cognitive skills required to read and learn. Reading is essential for success in school and in life, yet according to the National Assessment of Educational Progress conducted by the U.S. Department of Education, in 2003 37% of fourth graders in the U.S. had below basic reading scores and 69% were unable to read proficiently at grade level. According to the NAEP, between 1992 and 2003, there was no significant change in the average reading score of fourth graders or in the proportion of fourth graders below the basic level, despite a national focus on reading and significant and increased federal funding. Learning to read proficiently is a complex task involving multiple cognitive processes. In recent years, scientists have come to a much better understanding of these processes.

SCM Microsystems Inc.

SCM Microsystems Inc. is listed on NASDAQ (SCMM). SCM Microsystems, Inc. (SCM, the Company, we and us) was incorporated in 1996 under the laws of the state of Delaware. We design, develop and sell hardware, software and silicon solutions that enable people to conveniently and securely access digital content and services, including content and services that have been protected through digital encryption. We sell our secure digital access products into three markets segments: PC Security, Digital TV and Flash Media Interface. . For the PC Security market, we offer smart card reader technology that enables secure access to PCs, networks and physical facilities. . For the Digital TV market, we offer conditional access modules that provide secure, removable decryption for digital pay-TV broadcasts.

SEMPRA ENERGY ..s is given in Managements Discussion and Analysis of Financial Condition and Results of Operations of the 2004 Annual Report to Shareholders, which i..

SatCon Technology Corporation ..ures enabling technologies and products for electrical power conversion and control for high-performance, high-efficiency applications in large, growt..

STATOIL ASA ..lopment of the Company Statoil ASA is a public limited company organized under the laws of Norway with its registered office at Forusbeen 50, N-4035 S..

Sirenza Microdevices Inc. ..ISO 9001:2000 Quality Management System and ISO 14001:2004 Environmental Management System certified supplier of high performance radio frequency (RF)..

Synalloy Corporation .. incorporated in 1958 as the successor to a chemical manufacturing business founded in 1945. Its charter is perpetual. The name was changed on July 31..

21st Century Insurance Group ..bsidiaries, referred to hereinafter as the Company) is an insurance holding company registered on the New York Stock Exchange (NYSE: TW). We are a dir..

Tetra Tech Inc. ..ng and technical services in the areas of resource management and infrastructure. We also provide communications services. As a consultant, we assist ..

Targeted Genetics Corporation ..ooking statements that involve risks and uncertainties. Forward-looking statements include statements about our product development and commercializat..

TompkinsTrustco Inc. ..ed by the section captioned Forward Looking Statements in Item 7. Managements Discussion and Analysis of Financial Condition and Results of Operations..

TSR Inc. .. providing contract computer programming services to its clients. The Company provides its clients with technical computer personnel to supplement the..

TradeStation Group Inc ..rmed in 2000, is the successor company to a publicly-held trading software company that was formed in 1982. TradeStation Group is listed on The Nasdaq..

Sadia S.A. ..dustrial and food processing segments. The Company's central administrative headquarters is located at Rua Fortunato Ferraz, 659, Vila Anastácio, São ..

Trintech Group PLC ..y under the laws of the Republic of Ireland in 1987. On August 23, 1999, the Company's shareholders resolved by special resolution to re-register us a..

Titan International Inc. ..tan) are leading manufacturers of wheels, tires and assemblies for off-highway vehicles used in the agricultural, earthmoving-construction and consume..

UBS AG ..onducts wealth management, asset management, and investment banking and securities businesses. The company's wealth management business includes estat..

UnitedHealth Group Incorporated ..l-being company, serving approximately 55 million Americans. We are focused on improving the health care system and how it works for multiple, distinc..

UTEK Corporation ..s that assists companies in identifying and acquiring technologies. Technology-transfer refers to the process by which new technologies, developed in ..

ViroPharma Incorporated ..y dedicated to the development and commercialization of products that address serious diseases treated by physician specialists and in hospital settin..

Open Joint Stock Company Vimpel-Communications ..ecommunications services in Russia and Kazakhstan, with newly acquired operations in Ukraine, Tajikistan and Uzbekistan. We operate our telecommunicat..

Ventana Medical Systems Inc. .. California in 1985 and reincorporated in Delaware in 1993. We launched our first instrument-reagent system in 1991 and have since launched numerous n..

ValueVision International Inc. ..aries is an integrated direct marketing company that markets its products directly to consumers through various forms of electronic media. The Compan..

Westaim Corporation (The) ..result of Viridian's research and development capabilities in advanced industrial materials, Viridian entered into an agreement with the governments o..

Wellman Inc. ..d marketing of high-quality PermaClear® brand PET (polyethylene terephthalate) packaging resins, Fortrel® brand polyester staple fibers and Wellamid® ..

West Corporation ..cing services focused on helping our clients communicate more effectively with their customers. We help our clients maximize the value of their custom..

Waste Industries USA Inc. ..available 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 amen..

Qiao Xing Universal Telephone Inc. .. Xing Universal Telephone, Inc. (Qiao Xing) was principally engaged in the manufacturing and sales of telecommunication terminals and equipment, inclu..

Zapata Corporation ..laware in 1954 and was reincorporated in Nevada in April 1999. The Companys principal executive offices are at 100 Meridian Centre, Suite 350, Rochest..

Ameristar Casinos Inc. ..casinos and related entertainment facilities in local and regional markets. Our seven properties in six markets exemplify the highest quality in desig..

American Commercial Lines Inc ..c.) is one of the largest and most diversified marine transportation and service companies in the United States, providing barge transportation and re..

Adesa Inc ..ded provider of wholesale vehicle auction and related redistribution services and floorplan financing for used vehicle dealers. The Companys operation..

AEP Industries Inc. ..lastic packaging films. We manufacture and market an extensive and diverse line of polyethylene, polyvinyl chloride and polypropylene flexible packagi..

American Greetings Corporation ..d its subsidiaries (the Corporation or American Greetings) operate predominantly in a single industry: the design, manufacture and sale of everyday an..

Applied Innovation Inc. .. AI, OR THE COMPANY IN THIS ANNUAL REPORT ON FORM 10-K MEAN APPLIED INNOVATION INC. GENERAL Applied Innovation Inc. is a network management solutions ..

Allis-Chalmers Corporation ..that involve risks and uncertainties. Our actual results may differ materially from the results discussed in such forward-looking statements. Factors ..

American International Group Inc. ..re corporation, is a holding company which, through its subsidiaries, is engaged in a broad range of insurance and insurance-related activities in the..

American Medical Alert Corp. .. incorporated under the laws of the State of New York in 1981, is a healthcare communications company. As used herein, the term AMAC or Company means,..

Authentidate Holding Corp. .. and related services in three segments: . the Security Software Solutions Segment (f-k-a Authentidate Segment, including AuthentiDate, Inc., Trac Med..

Applica Incorporated ..ange of branded small household appliances. Applica markets and distributes kitchen products, home products, pest control products, pet care products ..

American Reporgraphics Company ..ited States providing business-to-business document management services to the architectural, engineering and construction industry, or AEC industry. ..

A4S Security Inc. ..99 and subsequently incorporated in Montana in January 2000. In December 2004, we reincorporated in Colorado. Our principal executive offices are loca..

Atlas America Inc. ..STATEMENTS REGARDING EVENTS AND FINANCIAL TRENDS WHICH MAY AFFECT OUR FUTURE OPERATING RESULTS AND FINANCIAL POSITION. SUCH STATEMENTS ARE SUBJECT TO ..

AVI BioPharma Inc. ..apeutic products principally based on third-generation NEUGENE® antisense technology. Our principal products in development target life-threatening di..

AMREP Corporation ..ly engaged in three business segments: the Real Estate business operated by AMREP Southwest Inc. and its subsidiaries (collectively, AMREP Southwest),..

BioCryst Pharmaceuticals Inc. ..company focused on designing, optimizing and developing novel small molecule pharmaceuticals that block key enzymes essential for cancer, cardiovascul..

BioDelivery Sciences International Inc. ..is exploiting its licensed and proprietary patented drug delivery technologies to develop and commercialize, or partner with third parties on, clinica..

Bemis Company Inc. ..egistrant or Company), continues a business formed in 1858. The Registrant was incorporated in 1885 as Bemis Bro. Bag Company with the name changed to..

Building Materials Holding Corporation ..he largest residential building products and construction services companies in the United States with annual sales in excess of $2 billion. We compet..

Bank of Commerce Holdings (CA) .. a financial holding company (FHC) registered under the Bank Holding Company Act of 1956, as amended, and was incorporated in California on January 21..

Boston Properties Inc. ..ny refer to Boston Properties, Inc., a Delaware corporation organized in 1997, individually or together with its subsidiaries, including Boston Proper..

Syntel Inc. ..o Syntel, Inc. and its wholly owned subsidiaries worldwide on a consolidated basis. FORWARD-LOOKING STATEMENTS This report on Form 10-K, including wit..

Bowater Incorporated ..anufacture, sale and distribution of newsprint, uncoated specialty paper, coated groundwood paper, market pulp, lumber and timber. We operate faciliti..

CallWave Inc. ..s typically used a landline telephone as their primary means of communication. The emergence of mobile telephones and the Internet has reshaped the co..

Cambior Inc. ..ree-Year History The year 2002 was significant for the Company as it was emerging from a financial restructuring program and was positioning itself fo..

Cabot Microelectronics Corporation ..ctronics, the Company, us, we, or our), which was incorporated in the state of Delaware in 2000, is the leading supplier of high-performance polishing..

Cardero Resource Corporation ..Year History The Company is a mineral exploration company engaged in the acquisition, exploration and development of mineral properties. The Company c..

Central Garden & Pet Company ..ter and producer of quality branded products. We are one of the largest suppliers in the lawn and garden and pet supplies industries. The total lawn a..

Churchill Downs Incorporated ..ing company that conducts pari-mutuel wagering on live Thoroughbred, Quarter Horse and Standardbred horse racing and simulcasts signals of races. Addi..

CompX International Inc. ..manufacturer of precision ball bearing slides, security products and ergonomic computer support systems used in office furniture, computer-related app..

Commercial Metals Company ..el and metal products and related materials and services through a network of locations located throughout the United States and internationally. We c..

China Netcom Group Corporation (Hong Kong) Limited ..hina Netcom Group Corporation (Hong Kong) Limited. Our principal executive offices are located at Building C, No. 156 Fuxingmennei Avenue, Xicheng Dis..

Rockwell Medical Technologies Inc. ..ober 25, 1996. We manufacture hemodialysis concentrates and dialysis kits, and we sell, distribute and deliver these and other ancillary hemodialysis ..

Crescent Banking Company ..e parent holding company of Crescent Bank & Trust Company (Crescent Bank or the Bank), Crescent Mortgage Services, Inc. (CMS) and Crescent Capital Tru..

Community Health Systems Inc. ..ospital healthcare services in the United States in terms of number of facilities. As of December 31, 2004, we owned, leased or operated 71 hospitals,..

Deluxe Corporation .. of the State of Minnesota in 1920. From 1920 until 1988 our company was named Deluxe Check Printers, Incorporated. Our principal corporate offices ar..

HearUSA Inc. ..ny-owned hearing care centers (the centers) in 11 states and the Province of Ontario, Canada. The Company also sponsors approximately 1,400 credential..

EMCORE Corporation ..oducts or the markets we serve, please visit our website at http:-www.emcore.com. The information on EMCOREs website is not incorporated by reference ..

Exelixis Inc. ..imary mission is to leverage its biological expertise and integrated drug discovery capabilities to develop high-quality, differentiated pharmaceutica..

Factory Card & Party Outlet Corporation ..ry, Factory Card Outlet of America Ltd., are a specialty retailer offering a wide selection of party supplies, greeting cards, giftwrap, balloons, gif..

Financial Security Assurance Holdings Ltd ..h its insurance company subsidiaries, is primarily engaged in the business of providing financial guaranty insurance on asset-backed and municipal obl..

GrafTech International Ltd ..r and faster than our competition, through the creation, innovation and manufacture of graphite and carbon material science-based solutions. We have o..

U.S. Global Investors Inc. ..l) has made forward-looking statements concerning the Company's performance, financial condition, and operations in this report. The Company from time..

HemoSense Inc. ..held blood coagulation monitoring systems for use by patients and healthcare professionals in the management of warfarin medication. Warfarin is an or..