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S&T Bancorp Inc.

S&T Bancorp Inc. is listed on NASDAQ (STBA). S&T Bancorp, Inc. (S&T) was incorporated on March 17, 1983 under the laws of the Commonwealth of Pennsylvania as a bank holding company and has two wholly owned subsidiaries, S&T Bank and S&T Investment Company, Inc. S&T owns a one-half interest in Commonwealth Trust Credit Life Insurance Company. S&T is registered as a financial holding company with the Board of Governors of the Federal Reserve System under the Bank Holding Company Act, as amended. As of December 31, 2003, S&T had $2.9 billion in total assets, $333 million in total shareholders equity and $2.0 billion in total deposits. The Federal Deposit Insurance Corporation (FDIC) insures deposits fully provided by law. Total trust assets were approximately $1.0 billion at December 31, 2003. Trust services include services as executor and trustee under wills and deeds, as guardian and custodian of employee benefit trusts and brokerage services.

S1 Corporation

S1 Corporation is listed on NASDAQ (SONE). This annual report on Form 10-K and the documents incorporated into this annual report on Form 10-K by reference contain forward-looking statements within the safe harbor provisions of the Private Securities Litigation Reform Act. These statements include statements with respect to our financial condition, results of operations and business. The words believes, expects, may, will, should, projects, contemplates, anticipates, forecasts, intends or similar terminology identify forward-looking statements. These statements are based on our beliefs as well as assumptions made using information currently available to us. Because these statements reflect our current views concerning future events, they involve risks, uncertainties and assumptions. Therefore, actual results may differ significantly from the results discussed in the forward-looking statements.

Sonic Solutions .. digital media - that is, data, photographs, audio, and video in digital formats. Our product lines focus particularly on the two most successful opti..

Sonic Innovations Inc. ..mpany. We design, develop, manufacture and market advanced digital hearing aids intended to provide the highest levels of satisfaction for hearing imp..

Socket Communications Inc. ..d connectivity products for mobile electronic devices. Our products employ innovative designs that reduce battery power consumption and make them easy..

STAAR Surgical Company ..distributes worldwide products used by ophthalmologists and other eye care professionals to improve or correct vision in patients with cataracts, refr..

Station Casinos Inc. ..nces to the Company refer to Station Casinos, Inc. and all references to Station, we, our, ours and us refer to Station Casinos, Inc. and its consolid..

SL Green Realty Corporation ..e investment trust, or REIT, with in-house capabilities in property management, acquisitions, financing, development, construction and leasing. We wer..

Student Loan Corporation (The) ..d services student loans. The Company is one of the nations largest originators and holders of guaranteed student loans made under the federal Higher ..

Tandy Brands Accessories Inc. ..er of branded men's, women's and children's accessories, including belts and small leather goods, such as wallets. Our product line also includes hand..

TECO Energy Inc. ..n Florida in 1981 as part of a restructuring in which it became the parent corporation of Tampa Electric Company. TECO Energy and its subsidiaries had..

TIB Financial Corporation ..is conducted primarily through our wholly-owned subsidiary, TIB Bank. TIB Bank, which was formed in 1974, serves the Southern Florida market, principa..

Telstra Corporation Limited ..775 556. 2 CONSTITUTION means this Constitution as amended from time to time and a reference to an article has a corresponding meaning. CORPORATIONS L..

TotalFinaElf S.A. ..h 28, 1924, together with its subsidiaries and affiliates, is the fourth largest publicly-traded integrated oil and gas company in the world, based on..

TriQuint Semiconductor Inc. ..r, or our company) is a supplier of high performance components and modules for communications applications. Our focus is on the specialized expertise..

Transatlantic Holdings Inc. .. incorporated in the state of Delaware. Originally formed in 1986 under the name PREINCO Holdings, Inc. as a holding company for Putnam Reinsurance Co..

Tetra Technologies Inc. ..es company with an integrated calcium chloride and brominated products manufacturing operation that supplies feedstocks to energy markets, as well as ..

TXU CORP ..a portfolio of competitive and regulated energy businesses in North America, primarily in Texas. TXU Corp.s revenues totaled $9.3 billion in 2004. TXU..

Ultratech Inc. ..dition to historical information, certain forward-looking statements that involve significant risks and uncertainties. Our actual results could differ..

Urologix Inc. ..theter-based therapies that use a proprietary cooled microwave technology for the treatment of benign prostatic hyperplasia (BPH), a disease that affe..

UST Inc. ..ware corporation to serve as a new publicly-held holding company for United States Tobacco Company (USTC), which was formed in 1911. Pursuant to a reo..

Nevada Gold & Casinos Inc. .. was formed in 1977 and, since 1994 has been primarily a gaming company involved in financing, developing, owning and operating commercial gaming proj..

Viisage Technology Inc. ..of Lau Technologies in 1992. In 1996, we were incorporated as a Delaware company, just prior to the completion of our initial public offering of commo..

VitaCube Systems Holdings Inc. ..l supplement products primarily through a direct sales or network marketing system in which independent distributors sell our products, as well as pur..

Wavecom S.A. ..h société anonyme on June 28, 1993, for a duration of 99 years under the name of Wavecom, S.A. We are registered in Nanterre, France, registration num..

Woodward Governor Company ..nd services energy control systems and components for aircraft and industrial engines and turbines. Leading OEMs (original equipment manufacturers) th..

Wireless Facilities Inc. ..tion regarding Managements Discussion and Analysis of Financial Condition and Results of Operations) contains forward-looking statements regarding our..

W.P. Carey & Co. LLC ..visory company that invests in commercial properties leased to companies domestically and internationally, and earns fees as the advisor to affiliated..

Wynn Resorts Limited .. June 2002 and consummated the initial public offering of its common stock in October 2002. Wynn Resorts' predecessor, Valvino Lamore, LLC (Valvino), ..

XTL Biopharmaceuticals Ltd. ..icals Ltd. We were established as a private company limited by shares under the laws of the State of Israel on March 9, 1993, under the name Xenograft..

Zanett Inc. ..hat provides customized, mission-critical IT solutions to Fortune 500 corporations, mid-market companies, and classified government agencies involved ..

ABN AMRO CAP FDG TR V ..N.V. We are a public limited liability company incorporated under Dutch law on May 30, 1990. For more information, see Item 4. Information on the Comp..

ACME Communications Inc. ..broadcast television stations in medium-sized markets across the United States. Eight of these television stations are network affiliates of The WB Te..

Acme United Corporation. ..aries the Company) was organized as a partnership in l867 and incorporated in l882 under the laws of the State of Connecticut. The Companys operations..

Ameren Corporation .. public utility holding company registered with the SEC under the PUHCA. Ameren was formed in 1997 by the merger of UE and CIPSCO, the former parent c..

FEDERAL AGRIC MTG CORP ..chartered by the U.S. Congress in the Agricultural Credit Act of 1987 (12 U.S.C. sections 2279aa et seq.), which amended the Farm Credit Act of 1971 (..

Air Methods Corporation ..ir Methods), was originally incorporated in Colorado in 1982 and now serves as the largest provider of air medical emergency transport services and sy..

Automatic Data Processing Inc. ..elaware in 1961 (together with its subsidiaries ADP or the Registrant), is one of the largest providers of computerized transaction processing, data c..

AMDL INC ..any, involved in both the detection and treatment of cancer. Hospital, clinical, research and forensic laboratories and doctors' offices may use our p..

Ampco-Pittsburgh Corporation ..Pennsylvania in 1929. The Corporation, individually or together with its consolidated subsidiaries, is also referred to herein as the Registrant. The ..

Phelps Dodge Corporation ..may be referred to as Phelps Dodge, PD) is the world's second largest producer of copper, among the world's largest carbon black and magnet wire produ..

AQUILA INC ..referred to as we, us or our) is primarily an integrated electric and natural gas utility headquartered in Kansas City, Missouri. We began as Missouri..

The Aristotle Corporation ..idiaries (together with Aristotle), founded in 1986, and headquartered in Stamford, CT, is a leading manufacturer and global distributor of educationa..

Arlington Tankers LTD. ..he laws of Bermuda as a jointly owned subsidiary of Stena AB (publ), or Stena, and Concordia Maritime AB (publ), or Concordia, a Swedish company and a..

ATMI Inc. .. delivery systems and high-purity materials packaging products used worldwide in the manufacture of semiconductor devices. ATMI specifically targets t..

Audiovox Corporation ..incorporated herein by reference contain forward-looking statements based on expectations, estimates and projections as of the date of this filing. Ac..

American Axle & Manufacturing Holdings Inc. ..ted in information incorporated by reference, references to our Company, we, our, us or AAM mean American Axle & Manufacturing Holdings, Inc. (Holding..

Beverly Hills Bancorp Inc. ..olding company that conducts banking and lending operations in southern California and surrounding states through its wholly-owned subsidiary, First B..

W.R. Grace & Company .. at www.grace.com. Grace makes available, free of charge through its website, its annual reports on Form 10-K, quarterly reports on Form 10-Q, current..

Bio-Rad Laboratories Inc. ..ad) was initially engaged in the development and production of specialty chemicals used in biochemical, pharmaceutical and other life science research..

BankUnited Financial Corporation ..1993 as the holding company for BankUnited, FSB, the largest banking institution headquartered in Florida based on assets. (As used in this Form 10-K,..

Birch Mountain Resources Ltd. ..ment of Birch Birch was formed under the provisions of the ABCA, by amalgamation of one of Birchs predecessors, also named Birch Mountain Resources Lt..

BP p.l.c. .. this Item reflects 100% of the assets and operations of the Company and its subsidiaries which were consolidated at the date or for the periods indic..

BOE Financial Services of Virginia Inc. .. approved a plan of share exchange pursuant to which the Bank became a wholly owned subsidiary of the Corporation, which became a newly formed one-ban..

BackWeb Technologies Ltd. .. a solution allowing users of enterprise Web applications to synchronize those Web applications to their PCs for use while disconnected from the netwo..

Cash America International Inc. .. in 1984 to engage in the business of owning and operating pawnshops. Since that time, the Company has significantly broadened the geographic scope of..

Centennial Bank Holdings Inc. ..holding company and a bank holding company registered under the Bank Holding Company Act of 1956, as amended. Our principal business is to serve as a ..

Commerce Energy Group Inc ..dependent energy provider of retail electric power and natural gas supply to residential, commercial, industrial and institutional customers in nine s..

CAE INC ..) General Following incorporation in 1947, CAE's primary business focused on the repair and overhaul of electronic and electro-mechanical equipment, a..

Culp Inc. ..pany, manufactures and markets mattress fabrics (known as mattress ticking and used for covering mattresses and box springs) and upholstery fabrics pr..

CHARTERMAC ..y, we or us), through its subsidiaries, is one of the nations leading full-service real estate finance companies, providing capital solutions to devel..

CKX Inc. ..ecessors, will be referred to in this Form 10-KSB Annual Report by terms such as we, us, our, CKX, the registrant and the Company, unless the context ..

CMGI Inc. ..aries, CMGI), through its ModusLink subsidiary, provides industry-leading global supply chain management services and marketing distribution solutions..

Correctional Properties Trust ..elf-managed real estate investment trust or REIT that acquires correctional and detention facilities from both private prison owners and operators and..

CoTherix Inc. .. licensing, developing and commercializing therapeutic products for the treatment of cardiopulmonary and other chronic diseases. We began selling our ..

Deltic Timber Corporation ..sources company engaged primarily in the growing and harvesting of timber and the manufacture and marketing of lumber. Deltic owns approximately 436,3..

Dun & Bradstreet Corporation (The) ..usiness information, tools and insight, and has enabled customers to Decide with ConfidenceTM for over 160 years. D&B's proprietary DUNSRightTM qualit..

Educate Inc. ..utoring and other supplemental education services to pre-kindergarten through twelfth grade, or pre-K-12, students. For over 25 years, we have provide..

Enterprise Products Partners L.P. ..ompany providing a wide range of services to producers and consumers of natural gas, natural gas liquids or NGLs, and crude oil, and we are an industr..

First Bancshares Inc. ..uri corporation, was incorporated on September 30, 1993 for the purpose of becoming the holding company for First Home Savings Bank (First Home or the..

MTC Technologies Inc. ..e in April 2002 and holds all of the capital stock of MTC Technologies, Inc., an Ohio corporation incorporated in 1985 that was formerly known as Mode..

Stride Rite Corporation (The) ..ration founded in 1919, is a leading designer and marketer of high quality children's footwear in the United States and is a major designer and market..

Golden Telecom Inc. ..grated telecommunication and Internet services in major population centers throughout Russia and other countries of the Commonwealth of Independent St..

Wellsford Real Properties Inc. .. collectively) was formed as a Maryland corporation on January 8, 1997, as a corporate subsidiary of Wellsford Residential Property Trust (the Trust)...

Hilton Hotels Corporation ..h its subsidiaries, in the ownership, management and development of hotels, resorts and timeshare properties and the franchising of lodging properties..

Integral Systems Inc. ..stems and equipment for command and control, integration and test, data processing, and simulation. Since its inception in 1982, the Company has provi..

IMA Exploration Inc. .. the Company has been engaged, through its subsidiaries, in the acquisition and exploration of mineral properties, with a primary focus in Argentina a..

Intertape Polymer Group Inc. ..General Intertape Polymer Group is a leader in the specialty packaging industry in North America. It develops, manufactures and sells a variety of spe..

Kirby Corporation ..anuary 31, 1969 as a subsidiary of Kirby Industries, Inc. (Industries). The Company became publicly owned on September 30, 1976 when its common stock ..

Labor Ready Inc. .. State of Washington and began operations in 1989. We are an international provider of temporary employees for manual labor jobs. During 2004, we serv..

Longs Drug Stores Corporation ..in Oakland, California by two brothers, Tom and Joe Long. Today, we operate in two business segments, retail drug stores and, through our RxAmerica su..

Madeco SA ..lic of Chile in 1944 as a sociedad annima abierta, or open stock corporation, and operates under the laws of Chile. The Company also has operations in..