Index to Financial Review Consolidated Financial Statements: Management’s Discussion and Analysis of 15 Financial Condition and Results of Operations Report of Management 26 Report of Independent Registered Public Accounting Firm 27 Consolidated Statements of Financial Position as of 28 December 31, 2004 and 2003 Consolidated Statements of Operations and Comprehensive 29 Income for the years ended December 31, 2004, 2003 and 2002 Consolidated Statements of Stockholders’ Equity for the 30 years ended December 31, 2004, 2003 and 2002 Consolidated Statements of Cash Flows for the 31 years ended December 31, 2004, 2003 and 2002 Notes to Consolidated Financial Statements 32 Selected Consolidated Financial Data 44 Directors and Officers/Corporate Information 45