Cover page Company Profile Financial Highlights Our Brand Letter to Shareholders Retail Business Services Group International Our World Financial Highlights Management's Discussion... Cautionary Statements for Purposes... Independent Auditors' Report Consolidated Balance Sheets Consolidated Statements of Earnings Consolidated Statements of Stockholders' Equity Consolidated Statements of Cash Flows Notes to Consolidated Financial Statements Corporate & Stockholder Information Corporate Directors & Officers    Back Cover

Management's Discussion and Analysis of Financial Condition and Results of Operations General Results of Operations Corporate and Other Liquidity and Capital Resources Critical Accounting Policies Significant Trends, Developments and Uncertainties Inflation and Seasonality