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    1 Summary of Significant Accounting Policies    2 Accounting Changes    3 Employee Stock Ownership Plan/Savings Incentive Plan    4 Benefit Plans    5 Special and Other Charges    6 Acquisitions    7 Income Taxes    8 Supplemental Financial Information    9 Debt   10 Financial Instruments   11 Shareholders' Equity   12 Comprehensive Income   13 Commitments and Contingencies   14 Stock Plans   15 Earnings Per Share   16 Segment Data Corporate Information Board of Directors and Officers

Notes to Consolidated Financial Statements 11    Shareholders' Equity Changes in certain components of shareholders' equity were as follows:   Series B, ESOP Preferred Stock   Common Stock Issued at   Capital in Excess of   Retained   Unearned ESOP   Deferred   Treasury Stock   Issued   Par Value   Par Value   Earnings   Compensation   Compensation   Shares   Amount   Balance at October 1, 1999    $  46,717    $  332,662    $  44,626    $  2,539,020    $  (20,310 )   $  5,949      (81,864,329 )   $  (997,333 )    Net income                     392,897                         Cash dividends:      Common ($.37 per share)                     (93,544 )                        Preferred ($3.835 per share),      net of tax benefits                     (2,465 )                        Common stock issued for:      Employee stock plans, net                29,581                       2,357,340      15,220           Business acquisitions                189                       3,480      23           Common stock held in trusts                                 541      (3,592 )     (541 )    Reduction in unearned ESOP      compensation for the year                            4,155                    Adjustment for redemption provisions      (3,147 )          679                       341,393      2,468   Balance at September 30, 2000      43,570      332,662      75,075      2,835,908      (16,155 )     6,490      (79,165,708 )   $  (980,163 )    Net income                   401,652                         Cash dividends:      Common ($.38 per share)                     (97,897 )                        Preferred ($3.835 per share),      net of tax benefits                     (2,359 )                        Common stock issued for:      Employee stock plans, net                72,745                       5,423,069      40,564           Business acquisitions                215                       3,630      28           Common stock held in trusts                                 606      (16,346 )     (606 )    Reduction in unearned ESOP      compensation for the year                            4,154                    Adjustment for redemption provisions      (3,042 )          655                       329,877      2,387   Balance at September 30, 2001      40,528      332,662      148,690      3,137,304      (12,001 )     7,096      (73,425,478 )   $  (937,790 )    Net income                   479,982                         Cash dividends:      Common ($.39 per share)                     (100,521 )                        Preferred ($3.835 per share),      net of tax benefits                     (2,300 )                        Common stock issued for:      Employee stock plans, net                35,679                       2,634,109      23,497           Business acquisitions                198                       4,767      43           Common stock held in trusts                                 1,400      (42,141 )     (1,400 )    Reduction in unearned ESOP      compensation for the year                            4,154                    Repurchase of common stock                                      (6,607,800 )     (223,961 )    Adjustment for redemption provisions      (2,583 )          555                       304,295      2,028   Balance at September 30, 2002  $  37,945    $  332,662    $  185,122    $  3,514,465    $  (7,847 )   $  8,496      (77,132,248 )   $  (1,137,583 )      Common stock held in trusts represents rabbi trusts in connection with the Company's employee salary and bonus deferral plan and Directors' deferral plan. Preferred Stock Purchase Rights In accordance with the Company's shareholder rights plan, each certificate representing a share of outstanding common stock of the Company also represents one Preferred Stock Purchase Right (a "Right"). Each whole Right entitles the registered holder to purchase from the Company one eight-hundredths of a share of Preferred Stock, Series A, par value $1.00 per share, at a price of $67.50. The Rights will not become exercisable unless and until, among other things, a third party acquires 15% or more of the Company's outstanding common stock. The Rights are redeemable under certain circumstances at $.01 per Right and will expire, unless earlier redeemed, on April 25, 2006. There are 500,000 shares of preferred stock designated Series A, none of which has been issued.