Tower Group Inc.

Tower Group Inc. is listed on NASDAQ (TWGP). As used in this Form 10-K, references to the Company, we, us, or our refer to Tower Group, Inc. and its subsidiaries, including its insurance company, Tower Insurance Company of New York (TICNY), and its managing general agency, Tower Risk Management Corporation (TRM), unless the context suggests otherwise. Through our subsidiaries Tower Insurance Company of New York and Tower Risk Management Corporation, we offer a broad range of specialized property and casualty insurance products and services to small to mid-sized businesses and to individuals in New York State and the surrounding areas. By targeting select underserved market segments and expeditiously delivering needed products and services, we position ourselves to obtain favorable policy terms, conditions and pricing, thereby creating opportunities for favorable underwriting results.

Tower Semiconductor Ltd.

Tower Semiconductor Ltd. is listed on NASDAQ (TSEM). We are a pure-play independent wafer foundry dedicated to the manufacture of semiconductors and strategically focused on embedded non-volatile memory, complementary metal oxide semiconductor (CMOS) image sensor, mixed signal and radio frequency CMOS (RFCMOS) technologies. Typically, pure-play foundries do not offer products of their own, but focus on producing integrated circuits, or ICs, based on the design specifications of their customers. We manufacture semiconductors using advanced production processes for our customers primarily based on third party designs and our own proprietary designs. We currently offer the manufacture of ICs with geometries ranging from 1.0 to 0.13-micron, while 0.13-micron is expected to be ready for production by the end of 2005. We also provide complementary technical services and design support.

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,..

Vector Group Ltd. ..lding company for a number of businesses. We hold these businesses through our wholly-owned subsidiary VGR Holding Inc. We are engaged principally in:..

Valpey Fisher Corporation ..s incorporated under the laws of Maryland. As used herein the term Company refers to Valpey-Fisher and its subsidiaries. Financial Information about I..

Vermont Pure Holdings Ltd. ..uction, marketing and distribution of bottled water and the distribution of coffee, ancillary products, and other office refreshment products. Through..

Whole Foods Market Inc. ..gest chain of natural and organic food stores. Our Company mission is to promote the vitality and well-being of all individuals by supplying the highe..

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..

Westaff Inc. ..rimarily in suburban and rural markets (secondary markets), as well as in the downtown areas of certain major urban centers (primary markets) in the U..

XL CAP LTD ..), is a leading provider of insurance and reinsurance coverages, and financial products and services to industrial, commercial and professional servic..

Impreso Inc. ..so, Inc. (TST), a manufacturer and distributor to dealers and other resellers of various paper and film products for commercial and home use in domest..

Abercrombie & Fitch Company ..&F), through its subsidiaries (collectively, A&F and its subsidiaries are referred to as Abercrombie & Fitch), is a specialty retailer that operates s..

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..

Angeion Corporation ..in this Form 10-KSB to Angeion or the Company means Angeion Corporation, while references to Medical Graphics or MedGraphics refers to Medical Graphic..

AGCO Corporation ..pril 1991. Our executive offices are located at 4205 River Green Parkway, Duluth, Georgia 30096, and our telephone number is 770-813-9200. Unless othe..

Airspan Networks Inc. ..ess (BWA) equipment that allows communications service providers (often referred to as local exchange carriers, or simply telephone companies), intern..

Alon USA Energy Inc. ..s in this Annual Report on Form 10-K, including those in Items 1 and 2, Business and Properties, and Item 3, Legal Proceedings, that are not historica..

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..

Amtech Systems Inc. ..Arizona in October 1981, under the name Quartz Engineering & Materials, Inc., and changed to its present name in 1987. Amtech also conducts operations..

Annapolis Bancorp Inc. ..iness of the Registrant is incorporated herein by reference on page 32 as part of the Registrant's Annual Report to Shareholders...

Apollo Investment Corporation .. a Maryland corporation organized on February 2, 2004, is a closed-end, non-diversified management investment company that has filed an election to be..

Arena Resources Inc ..n August 31, 2000. Our principal executive offices are located at 4920 South Lewis Avenue, Suite 107, Tulsa, Oklahoma 74105, and our telephone number ..

Electricidade de Portugal S.A. .. and distributor of electricity in Portugal. In addition, we own 30% of REN, the sole transmitter of electricity in Portugal, and we have significant ..

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 ..

Avigen Inc. ..mercializing innovative therapeutics to treat serious disorders, primarily for neurological conditions. The Company is shifting its focus from DNA-bas..

Aluminum Corporation of China Ltd ..ited company under PRC laws on September 10, 2001. Our scope of business includes bauxite mining, the production of alumina, primary aluminum and anci..

Beazer Homes USA Inc. ..0 Abernathy Road, Suite 1200, Atlanta, Georgia 30328, telephone (770) 829-3700. We also provide information about our active communities and mortgage ..

Brady Corporation ..14, currently operates 35 manufacturing facilities worldwide. Eleven are located in the United States; three each in Brazil, China, Germany, and the U..

Benchmark Electronics Inc. ..onics, Inc., began operations in 1979 and was incorporated under Texas law in 1981 as a wholly owned subsidiary of Intermedics, Inc., a medical implan..

Blackbaud Inc. .. related services designed specifically for nonprofit organizations. Our products and services enable nonprofit organizations to increase donations, r..

BSD Medical Corporation ..s that deliver precision-focused radio frequency (RF) and microwave energy into diseased sites of the body, heating them to specified temperatures as ..

Bancshares of Florida Inc. ..0-KSB contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which statements generally can be..

BEAR STEARNS CAPITAL TR III .. incorporated under the laws of the State of Delaware on August 21, 1985. The Company is a holding company that through its broker-dealer and internat..

Baldwin & Lyons Inc. ..aws of the State of Indiana in 1930. Through its divisions and subsidiaries, Baldwin & Lyons, Inc. (referred to herein as B&L) specializes in marketin..

Calavo Growers Inc. ..ados and other perishable foods and the preparation and distribution of processed avocado products. Our expertise in marketing and distributing avocad..

CBL & ASSOC PPTYS INC ..ganized on July 13, 1993, as a Delaware corporation, to acquire substantially all of the real estate properties owned by CBL & Associates, Inc., and i..

Capital City Bank Group ..al holding company registered under the Gramm-Leach-Bliley Act of 1999 (Gramm- Leach-Bliley Act) and is subject to the Bank Holding Company Act of 195..

Cross Timbers Royalty Trust ..eated under the laws of Texas pursuant to the Cross Timbers Royalty Trust Indenture entered into on February 12, 1991 between predecessors of XTO Ener..

CNS Inc. .. consumer health care products, including Breathe Right branded products that focus on better breathing, and FiberChoice branded products that focus o..

Chemical Financial Corporation ..rporation) is a multibank holding company registered under the Bank Holding Company Act of 1956, as amended, and incorporated in the State of Michigan..

Citizens South Banking Corporation ..to as the Company, the Registrant, We, Us, or Our) is a Delaware corporation that owns all of the outstanding shares of common stock of Citizens South..

Comcast Corporation ..rated in December 2001. Through our predecessors, we have developed, managed and operated broadband cable networks since 1963. We are involved in: º ...

CenterPoint Energy Inc (Holding Co) ..rect wholly owned subsidiaries include: - CenterPoint Energy Houston Electric, LLC (CenterPoint Houston), which provides electric transmission and dis..

Cobra Electronics Corporation ..d in Delaware in 1961, is a public company traded on The NASDAQ Stock Market under the symbol COBR. The Company is a leading manufacturer of two-way m..

Capital Senior Living Corporation ..oration (together with its subsidiaries), is one of the largest operators of senior living communities in the United States in terms of resident capac..

Courtside Acquisition Corp. ..ny formed on March 18, 2005 to effect a merger, capital stock exchange, asset acquisition or other similar business combination with an operating busi..

Canadian National Railway Company ..rganization The Company manages its rail operations in Canada and the United States as one business segment. Financial information reported at this le..

Compania de Telecomunicaciones de Chile S.A. ..der the Chilean Corporations Law. Telefónica CTC Chile was incorporated on November 18, 1930 and has a duration through August 10, 2068. The address a..

Covance Inc. ..s company providing a wide range of early stage and late stage product development services on a worldwide basis primarily to the pharmaceutical, biot..

ChevronTexaco Corporation .., manages its investments in subsidiaries and affiliates and provides administrative, financial and management support to U.S. and foreign subsidiarie..

DocuCorp International Inc. ..markets and supports Customer Communication Management (CCM) solutions via a portfolio of proprietary information software, application service provid..

Delta Natural Gas Company Inc. .. customers on our distribution system in central and southeastern Kentucky. Additionally, we transport natural gas to our industrial customers, who pu..

Duckwall-Alco Stores Inc. ..al merchandising operation in 1901 in Abilene, Kansas by A. L. Duckwall. From its founding until 1968, the Company conducted its retail operations as ..

Durect Corporation ..ms company focused on the development of pharmaceutical systems based on the following proprietary drug delivery technology platforms: the SABERT Deli..

Domtar Incorporated ..eographic Area Information Financial information pertaining to Domtar's consolidated industry, geographical segments and export sales is presented in ..

DaVita Inc. ..y reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports filed or furnished pursuant to section 13(a) or 15(d) of the Exch..

EMPIRE DIST ELEC TR I ..poration organized in 1909, is an operating public utility engaged in the generation, purchase, transmission, distribution and sale of electricity in ..

Estee Lauder Companies Inc. (The) ..y Estée and Joseph Lauder, is one of the world's leading manufacturers and marketers of quality skin care, makeup, fragrance and hair care products. O..

Emeritus Corporation ..d national operators of assisted living residential communities. Assisted living communities provide a residential housing alternative for senior citi..

Epicor Software Corporation ..lops, markets and supports enterprise software solutions for use by mid-sized companies, as well as the divisions and subsidiaries of larger corporati..

Evans Bancorp Inc. ..ation which is registered as a financial holding company under the Bank Holding Company Act of 1956, as amended (the BHCA). The principal offices of t..

Fresh Del Monte Produce Inc. ..is Fresh Del Monte Produce Inc., and our commercial name is Del Monte Fresh Produce. We are an exempted holding company, incorporated under the laws o..

Fortune Diversified Industries Inc. .. corporation incorporated in the State of Delaware in 1988. The Company has conducted its business directly and through wholly-owned subsidiaries. The..

Greene County Bancorp Inc. ..lly chartered holding company of The Bank of Greene County, a New York-chartered savings bank. A majority of Greene County Bancorp, Inc.s issued and o..