Table of Contents Cover Our Performance Letter to Stockholders Stores and Call Centers Our Communications Business Process Improvement Financial Highlights - Under GAAP Financial Highlights - From Current Businesses Reconciliation Total Coverage Directors and Officers Investor Information

Table of Contents Cover Our Performance Letter to Stockholders Stores and Call Centers Our Communications Business Process Improvement Financial Highlights - Under GAAP Financial Highlights - From Current Businesses Reconciliation Total Coverage Directors and Officers Investor Information