Unibanco Brasileiros S.A.

Unibanco Brasileiros S.A. is listed on NYSE (UBB). 4.A. HISTORY AND DEVELOPMENT OF THE COMPANY Overview Founded in 1924 as a correspondent bank, Unibanco is Brazil's oldest private-sector bank. From our longstanding position as one of the nation's leading wholesale banks, we have expanded our operations to become a full service financial institution providing a wide range of financial products and services to a diversified individual and corporate customer base throughout Brazil. Our businesses comprise the following segments: Retail, Wholesale, Insurance and Pension Plans and Wealth Management. See Note 32 to our consolidated financial statements in Item 19 for additional information on our four reportable segments. We are one of the largest private-sector financial institutions in Brazil and have grown substantially both through organic growth and acquisitions. As of December 31, 2004, on a consolidated basis, we had: º R$77.9 billion in total assets; º R$31.

Unica Corporation

Unica Corporation is listed on NASDAQ (UNCA). This Business section and other parts of this Annual Report on Form 10-K, which we refer to as this Annual Report, contain forward-looking statements that involve risk and uncertainties. Our actual results may differ significantly from the results discussed in the forward-looking statements. Factors that might cause such a difference include, but are not limited to, those set forth in Item 1A. Risk Factors and elsewhere in this Annual Report. Overview Unica Corporation is a global provider of enterprise marketing management, or EMM, software designed to help businesses increase their revenues and improve the efficiency and measurability of their marketing operations.

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..

WD-40 Company ..ly one petroleum-based product, known as WD-40. WD-40 is a multi-purpose product which acts as a lubricant, rust preventative, penetrant, cleaner and ..

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

WSFS Financial Corporation ..ft holding company headquartered in Wilmington, Delaware. Substantially all of the Corporations assets are held by its subsidiary, Wilmington Savings ..

XETA Technologies Inc. .., or our), an Oklahoma corporation formed in 1981, is a leading provider of enterprise-class communications solutions. We specialize in providing thes..

York Water Company (The) ..the laws of the Commonwealth of Pennsylvania in 1816. The business of the Company is to impound, purify and distribute water. The Company operates ent..

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

AmREIT Inc ..EIT) and has elected to be taxed as a REIT for federal income tax purposes. The Company is a fully integrated, self managed equity REIT company with, ..

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..

Advanced Life Sciences Holdings Inc. ..ooking statements that involve risks and uncertainties, as well as assumptions that, if they never materialize or prove incorrect, could cause the res..

Applied Industrial Technologies Inc. .. to Applied Industrial Technologies, Inc., an Ohio corporation. References to we, us, our, and the company refer to Applied and its subsidiaries. The ..

ABM Industries Incorporated ..rgest facility services contractors listed on the New York Stock Exchange. With annual revenues in excess of $2.4 billion and approximately 70,000 emp..

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..

Alaska Communications Systems Group Inc. ..ications Systems Group, Inc. and its consolidated subsidiaries (we, our, us the Company, and ACS Group) on Forms 10-K, 10-Q and 8-K and the documents ..

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..

Anchor BanCorp Wisconsin Inc. .. a registered savings and loan holding company incorporated under the laws of the State of Wisconsin and is engaged in the savings and loan business t..

Atlas Pipeline Partners L.P. ..STATEMENTS REGARDING EVENTS AND FINANCIAL TRENDS WHICH MAY AFFECT OUR FUTURE OPERATING RESULTS AND FINANCIAL POSITION. SUCH STATEMENTS ARE SUBJECT TO ..

Arch Chemicals Inc. ..ls manufacturer which supplies value-added products and services to many industries on a worldwide basis. The principal business segments in which the..

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

Aastrom Biosciences Inc. ..development of the ex vivo production and sale of proprietary human cell products for use in cell therapy and tissue regeneration. Our pre-clinical an..

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

Avatar Holdings Inc. .. of Delaware in 1970. Our principal executive offices are located at 201 Alhambra Circle, Coral Gables, Florida 33134 (telephone (305) 442-7000). We a..

Credicorp Ltd. ..ted in Bermuda in 1995 to act as a holding company, coordinate the policy and administration of its subsidiaries and engage in investing activities. C..

FLEET CAP TR VIII .. financial services company organized under the laws of the State of Rhode Island. Unless otherwise indicated or unless the context requires otherwise..

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..

Big Dog Holding Inc. ..Annual Report on Form 10-K refers to we, us or the Company, we are referring to Big Dog Holdings, Inc. and its subsidiaries on a consolidated basis. T..

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,..

Bonso Electronics International Inc. .. August 8, 1988 as a limited liability International Business Company under the laws of the British Virgin Islands under the name Golden Virtue Limite..

BRUNSWICK BANCORP .. bank holding company registered under the Bank Holding Company Act of 1956, as amended (the Bank Holding Company Act). BB was organized under the law..

BioVeris Corporation ..which we refer to in this Form 10-K as Roche, consummated a merger and certain related transactions, which we refer to in this Form 10-K as the merger..

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..

Chemgenex Pharmaceuticals Ltd .. Finance and Development Corporation. It was renamed the Kingsway Finance Group in August 1964 and then became Australia Wide Industries Limited in Ma..

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 ..

Crown Cork & Seal Company Inc. ..de leader in the design, manufacture and sale of packaging products for consumer goods. The Company's primary products include steel and aluminum cans..

Brilliance China Automotive Holdings Limited ..lliance China Automotive Holdings Limited was established as an exempted company with limited liability under the laws of Bermuda on June 9, 1992. Bri..

Claude Resources Inc. ..e corporation under the Canada Business Corporations Act (the CBCA) on March 26, 1980 and was converted to a public company by Articles of Amendment d..

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..

CIRCOR International Inc. ..orward-looking statements as that term is defined under the Private Securities Litigation Reform Act of 1995 (the Act) and releases issued by the Secu..

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

Canadian Natural Resources Limited ..Canadian based senior independent energy company engaged in the acquisition, exploration, development, production, marketing and sale of crude oil, NG..

Cost-U-Less Inc. ..e stores in the United States Territories (U.S. Territories), foreign island countries in the Pacific and the Caribbean, the Hawaiian Islands and Sono..

COMSYS IT Partners Inc. ..e requires, all references in this report to COMSYS, the Company, us, our or we are to COMSYS IT Partners, Inc., a Delaware corporation formed in July..

Cryptologic Inc. ..ation under the Business Corporations Act (Ontario) effective March 7, 1996 pursuant to an amalgamation agreement dated January 19, 1996 between Inter..

Consumer Portfolio Services Inc. ..er with its subsidiaries) is a consumer finance company specializing in purchasing, selling and servicing retail automobile installment purchase contr..

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

Volume Services America Holdings Inc. ..cessions, catering and merchandise services in sports facilities, convention centers and other entertainment facilities. We operate throughout the Uni..

Famous Daves of America Inc. .. incorporated as a Minnesota corporation in March 1994 and opened its first restaurant in Minneapolis in June 1995. As of January 2, 2005, there were ..

Desarrolladora Homex ..A. de C.V. is a corporation (sociedad anónima de capital variable) registered in Culiacán, Sinaloa, Mexico under the Mexican Companies Law (Ley Genera..

Digene Corporation .. gene-based diagnostic tests for the screening, monitoring and diagnosis of human diseases. Our primary focus is in women's cancers and infectious dis..

Delphi Financial Group Inc. .. whose subsidiaries provide integrated employee benefit services. The Company was organized as a Delaware corporation in 1987 and completed the initia..

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..

Dynegy Inc. .. all of our business operations through our subsidiaries. Our current business operations are focused primarily in two areas of the energy industry: p..

Ecolab Inc. ..in 1924. Our fiscal year is the calendar year ending December 31. Effective January 2004, we reorganized our businesses serving the janitorial and hea..

NIC Inc. ..ps governments use the Internet to reduce costs and provide a higher level of service to businesses and citizens. We accomplish this currently through..

Elron Electronic Industries Ltd. ..ny that operates through our group companies in two reportable segments, namely: (i) the systems and projects segment, through Elron TeleSoft Ltd. and..

Emmis Communications Corporation ..dcasting, television broadcasting and magazine publishing operations. We operate the eighth largest publicly traded radio portfolio in the United Stat..

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..

ENSCO International Incorporated ..(ENSCO) is an international offshore contract drilling company. As of February 15, 2005, the Companys complement of offshore drilling rigs includes 43..

Fairchild Semiconductor International Inc. ..t on Form 10-K, the terms we, our, the company, Fairchild and Fairchild International refer to Fairchild Semiconductor International, Inc. and its con..

Franklin Credit Management Corp ..ily engaged in the acquisition, origination, sale, servicing and resolution of performing, sub-performing and non-performing residential mortgage loan..

First Federal Bancshares of Arkansas Inc. ..ederal Bancshares of Arkansas, Inc. is a Texas corporation organized in January 1996 by First Federal Bank of Arkansas, FA (First Federal or the Bank..

First Potomac Realty Trust ..f-administered Maryland real estate investment trust that focuses on owning and operating industrial and flex properties in the Washington, D.C. metro..

Genitope Corporation ..arch and development of novel immunotherapies for the treatment of cancer. Immunotherapies are treatments that utilize the immune system to combat dis..

Gottschalks Inc. ..cialty store chain based in Fresno, California. As of January 29, 2005, the Company operated 63 full-line Gottschalks department stores located in 6 W..

Hudson Highland Group Inc. ..largest specialized professional staffing, retained executive search and human capital solutions providers. The Company provides professional staffing..

Healthcare Services Group Inc. ..ing, laundry, linen, facility maintenance and food services to the health care industry, including nursing homes, retirement complexes, rehabilitation..

i2 Technologies Inc. ..fied by the sections captioned Forward-Looking Statements and Factors That May Affect Future Results in Item 7. Managements Discussion and Analysis of..

Intrusion Inc. ..d herein, the discussion in this Form 10-KSB contains certain forward-looking statements, within the meaning of Section 27A of the Securities Act of 1..

Jennifer Convertibles Inc. .. term we or any derivation thereof, we mean Jennifer Convertibles Inc., a Delaware corporation, and its direct or indirect subsidiaries. Business Over..

Kendle International Inc. ..ablished in 1989, is a contract research organization (CRO) that provides a broad range of Phase I through IV clinical research and drug development s..