Cover Page To Our Shareholders Issues and Answers: Contributions That Count Enterprise Profile Financials Summary Financial Review Report of Management Report of Ernst & Young LLP, Independent Auditors Financial Statements Notes to Consolidated Financial Statements Corporate Information Board of Directors and Officers

Financials Financial Table of Contents Ten-Year Summary of Selected Financial Data Financial Review Report of Management Report of Independent Auditors Consolidated Statements of Income Consolidated Statements of Comprehensive Income Consolidated Balance Sheets Consolidated Statements of Cash Flows Notes to Consolidated Financial Statements