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United Bankshares Inc.

United Bankshares Inc. is listed on NASDAQ (UBSI). As a bank holding company registered under the Bank Holding Company Act of 1956, as amended, United's present business is community and mortgage banking. As of December 31, 2003, United's consolidated assets approximated $6.4 billion and total shareholders' equity approximated $615 million. United is permitted to acquire other banks and bank holding companies, as well as thrift institutions. United is also permitted to engage in certain non-banking activities which are closely related to banking under the provisions of the Bank Holding Company Act and the Federal Reserve Board's Regulation Y.

United Capital Corporation

United Capital Corporation is listed on AMEX (AFP). United Capital Corp. , incorporated in 1980 in the State of Delaware, currently has two industry segments: 1. Real Estate Investment and Management. 2. Engineered Products. The Company also invests excess available cash in marketable securities and other financial instruments. DESCRIPTION OF BUSINESS REAL ESTATE INVESTMENT AND MANAGEMENT The Company is engaged in the business of investing in and managing real estate properties and the making of high-yield, short-term loans secured by desirable properties. Most real estate properties owned by the Company are leased under net leases whereby the tenants are responsible for all expenses relating to the leased premises, including taxes, utilities, insurance and maintenance.

Wellco Enterprises Inc. ..ty is from the sale of military and other rugged footwear, the sale of specialized machinery and materials for the manufacture of this type of footwea..

Washington Group International Inc. ..ur refer to Washington Group International, Inc. (Washington Group International) and its consolidated subsidiaries; references to 2004 are references..

WPP Group plc ..ed global, multinational and national advertising and marketing services companies that are organised into four business segments. Our largest segment..

Wireless Telecom Group Inc. ..tion , develops, manufactures and markets a wide variety of electronic noise sources, passive microwave components and electronic testing and measurin..

U.S. Xpress Enterprises Inc. ..t may be considered forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Secu..

Zix Corporation .. provides easy-to-use-and-deploy e-communication services that protect, manage, and deliver sensitive information to enterprises and consumers in heal..

ADVANCE AUTO PARTS INC .., us, our, and similar terms refer to Advance Auto Parts, Inc., its predecessor, its subsidiaries and their respective operations. Our fiscal year con..

Abitibi-Consolidated Inc. ..rincipal operations produce and market newsprint and value-added groundwood papers. The Companys operations also include the manufacturing and marketi..

Actuate Corporation ..ng Application Platform, a unified software platform that enables large organizations and packaged application software vendors to develop and deploy ..

Assurant Inc. ..n, formed in connection with the Initial Public Offering (IPO) of its Common Stock, which began trading on the New York Stock Exchange (NYSE) on Febru..

Angelica Corporation .. management services to the U.S. healthcare industry. We have developed a comprehensive service offering that allows healthcare providers to outsource..

Akamai Technologies Inc. ..thin the meaning of the Private Securities Litigation Reform Act of 1995. These statements are subject to risks and uncertainties and are based on the..

Alkermes Inc. ..oking statements which involve risks and uncertainties. Our actual results could differ materially from those anticipated in these forward-looking sta..

Allos Therapeutics Inc. ..mpany that is focused on developing and commercializing innovative small molecule drugs for improving cancer treatments. Small molecule drugs, in gene..

AMERIPRISE FINANCIAL SERVICES INC. ..oducts and services that are designed to offer solutions for our clients' asset accumulation, income and protection needs. As of December 31, 2005, we..

Answers Corporation ..business model, announced on January 3, 2005 with the launch of Answers.com. For information regarding our previous business model, on the basis of wh..

APTIMUS INC ..stributes advertisements for direct marketing advertisers across a network of third-party web sites and company-owned and licensed email lists. Advert..

Alexander & Baldwin Inc. ..orporation with most of its operations centered in Hawaii. It was founded in 1870 and incorporated in 1900. Ocean transportation operations, related s..

Aspect Medical Systems Inc. .. Delaware corporation in 1987. We develop, manufacture and market an anesthesia monitoring system that we call the BISŪ system. The BIS system is base..

America First Tax Exempt Investors L.P. ..nership) was formed on April 2, 1998 under the Delaware Revised Uniform Limited Partnership Act for the purpose of acquiring, holding, selling and oth..

Auburn National Bancorporation Inc. ..lding company registered with the Board of Governors of the Federal Reserve System (the Federal Reserve) under the Bank Holding Company Act of 1956, a..

Accelr8 Technology Corporation ..tion was incorporated on May 26, 1982. The Companys office and laboratory are located at 7000 North Broadway, Building 3-307, Denver, Colorado 80221, ..

BankAtlantic Bancorp Inc. .., the matters discussed in this document contain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amende..

Bell Microproducts Inc. ..forward-looking statements within the meaning of the Private Litigation Reform Act of 1995 regarding future events and the future results of Bell Micr..

B.O.S. Better Online Solutions ..e corporation under the Israeli Companies Ordinance, 1983. We design, integrate and test our products in our facilities in three locations in Israel. ..

Bio-Imaging Technologies Inc. ..rvice organization, providing services that support the product development process of the pharmaceutical, biotechnology and medical device industries..

Banco Santander Central Hispano S.A. .. is the parent bank of the Santander Group. It was established on March 21, 1857 and incorporated in its present form by a public deed executed in San..

BioScrip Inc. ..hich delivers innovative pharmacy benefit management, specialty pharmaceutical management and delivery services and other pharmacy-related healthcare ..

Boston Scientific Corporation ..oper, manufacturer and marketer of medical devices that are used in a broad range of interventional medical specialties including interventional cardi..

Brooke Corporation .. services to individuals and small businesses through our network of over 385 franchised locations. We provide our franchisees with wealth creation op..

Cantel Medical Corp. ..and control products in the healthcare market. Our products include specialized medical device reprocessing systems for renal dialysis and endoscopy, ..

Meta Financial Group Inc. ..cipal assets of which are all the issued and outstanding shares of MetaBank and MetaBank West Central. (In January of 2005, the Company changed its na..

Capital One Financial Corporation ..oration organized in 1972. The Company became a bank holding company in 1973 and a financial holding company in 2000. As of December 31, 2004, the Com..

CDW Corporation ..s, CDW) is a leading direct marketer of multi-brand computers and related technology products and services in the United States. The Company was found..

Coast Financial Holdings Inc. ..ompany or Coast Financial) headquartered in Bradenton, Florida, is a bank holding company registered under the Bank Holding Company Act of 1956 primar..

Chaparral Steel Company ..005, as a wholly-owned subsidiary of Texas Industries, Inc. (TXI) to serve as the holding company for its steel business in anticipation of our spin-o..

Ciprico Inc. ..liances, services and solutions for digital media applications. Our solutionscombine storage, networking and computing technologies to improve the pro..

Seagate Technology Holdings ..arketing of rigid disc drives. Rigid disc drives, which are commonly referred to as disc drives or hard drives, are used as the primary medium for sto..

Competitive Technologies Inc. ..e corporation incorporated in 1971 to succeed an Illinois corporation incorporated in 1968. CTT and its subsidiary (collectively, the registrant, we, ..

Cohn & Steers Inc ..ed in 2004, together with its wholly-owned subsidiaries, is a manager of high-income equity portfolios, specializing in U.S. real estate investment tr..

Conceptus Inc. ..vative and proprietary non-incisional permanent birth control device for women which was approved for marketing in the United States in November 2002 ..

CryoLife Inc. .., 1984 in Florida, develops and commercializes implantable medical devices and preserves and distributes human tissues for cardiovascular, vascular, a..

Consolidated Mercantile Inc ..usiness as a management holding company with investments in operating companies and subsidiaries in the furniture, specialty covers and packaging indu..

Cooper Tire & Rubber Company .. manufacturer of replacement tires. It is the fourth largest tire manufacturer in North America and, according to a recognized trade source, is the ei..

CVD Equipment Corporation .. term we or any derivation thereof, we mean CVD Equipment Corporation, a New York corporation, formed in 1982 . We design, develop, manufacture, marke..

Cox Radio Inc. ..asting companies in the United States and the largest pure-play radio station group, based on revenues, and has one reportable segment for accounting ..

DryShips Inc. ..er the laws of Marshall Islands and has its principal offices in Greece. It is an owner and operator of drybulk carriers that operate worldwide. Drysh..

Dominion Homes Inc. ..e Company in this Annual Report on Form 10-K mean Dominion Homes, Inc. and its consolidated subsidiaries, except where it is made clear that the term ..

Delta and Pine Land Company ..n, and subsidiaries (D&PL) is primarily engaged in the breeding, production, conditioning and marketing of proprietary varieties of cotton planting se..

Dune Energy Inc. ..ny,) has been an independent energy company engaged in the business of the exploration, development and acquisition of natural gas and crude oil prope..

DCAP Group Inc ..nt insurance agencies under the DCAP, Barry Scott and Atlantic Insurance brand names o premium financing of insurance policies for our DCAP, Barry Sco..

Encore Capital Group Inc ..diaries (Encore) is a systems-driven purchaser and manager of charged-off consumer receivables portfolios. Encore acquires these portfolios at deep di..

ENI S.p.A. ..ged in the oil and gas, electricity generation, petrochemicals, oilfield services and engineering industries. Eni has operations in about 70 countries..

Syngenta AG ..9 under the laws of Switzerland and became a public company in November 2000. Syngenta is domiciled in and governed by the laws of Switzerland. It has..

EMCOR Group Inc. ..(EMCOR) is www.emcorgroup.com. The Companys annual report on Form 10-K, quarterly reports on Forms 10-Q and current reports on Forms 8-K (and any amen..

Refac .. 1952 and is referred to herein as the Company or Registrant. For most of its history, the Company was engaged in intellectual property licensing acti..

Erie Indemnity Company ..ion that operates predominantly as the management services company that provides sales, underwriting and policy issuance services to the policyholders..

Exar Corporation ..ets high-performance, high-bandwidth physical interface and access control solutions that facilitate the aggregation and transport of signals in acces..

Friendly Ice Cream Corporation .. 1968 until January 1979, at which time it was acquired by Hershey Foods Corporation (Hershey). In 1988, The Restaurant Company (TRC), an investor gro..

Franklin Resources Inc. ..company, which is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the BHC Act), and as a financial holdin..

First Indiana Corporation ..n formed in 1986. It is the holding company for First Indiana Bank, N.A., the largest commercial bank headquartered in Indianapolis. Somerset Financia..

Frischs Restaurants Inc. ..egional company that operates full service family-style restaurants under the name Frisch's Big Boy. The Company also operates grill buffet style rest..

GFI Group Inc. ..as incorporated under the laws of the State of Delaware in August 2001. Since November 2001, the Company has been a holding company that, through its ..

Gerber Scientific Inc. ..d customer solutions to the worlds sign making and specialty graphics, apparel and flexible materials, and ophthalmic lens processing industries. The ..

Handleman Company ..referred to as the Company or Handleman or Registrant), which has its executive offices in Troy, Michigan, is the successor to a proprietorship formed..

HealthTronics Inc. .. (Prime) completed a merger with HealthTronics Surgical Services, Inc. (HSS) pursuant to which Prime merged with and into HSS, with HealthTronics, Inc..

IGI Inc. ..77. Its executive offices are at 105 Lincoln Avenue, Buena, New Jersey. The Company is currently engaged in the production and marketing of cosmetics ..

iPass Inc. ..prise connectivity services for mobile workers. Our flagship service offering, iPass Corporate Access, is designed to enable enterprises to provide th..

Stilwell Financial Inc. ..ng investment advisory services to individual and institutional investors, primarily through a diverse set of U.S. and international stock, bond and m..

Royale Energy Inc. ..dent oil and natural gas producer. Royale Energys principal lines of business are the production and sale of natural gas, acquisition of oil and gas l..

Luminex Corporation ..s incorporating a proprietary technology that advances and simplifies biological testing for the life sciences industry. Our products are described be..

MB Financial Inc. ..n other filings with the Securities and Exchange Commission, in press releases or other public shareholder communications, or in oral statements made ..

Monmouth Capital Corporation .. to Monmouth Capital Corporation, together with its predecessors and subsidiaries, unless the context requires otherwise. Monmouth Capital Corporation..

MarineMax Inc. .. United States. Through 71 retail locations in Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Maryland, Minnesota, Nevada, New Je..

National Dentex Corporation ..es, Inc., a Massachusetts corporation, which acquired six full-service dental laboratories and related branch laboratories from Healthco, Inc. In 1983..

National Bankshares Inc. .. financial holding company organized under the laws of Virginia in 1986 and registered under the Bank Holding Company Act (BHCA). Bankshares conducts ..

Nucor Corporation ..1958. The business of Nucor Corporation and its subsidiaries is the manufacture and sale of steel and steel products, which accounted for all of the s..

Odyssey Marine Exploration Inc. .. archaeologically sensitive exploration and recovery of deep-water shipwrecks throughout the world. We employ advanced state-of-the-art technology, in..

Prestige Brand Holdings Inc. ..er drug, household cleaning and personal care products. We operate in niche segments of these categories where we can use the strength of our brands, ..