(In thousands except ratios, employees, shareholders and per share amounts)

Note A - Includes an estimated number of shareholders who have shares held for their accounts by banks, brokers, trustees for benefit plans and the agent for the dividend reinvestment plan.

Note B - See the MD&A section and Note 8 for a description of individual realignment and other charges, the MD&A section and Note 14 for a description of the COLI settlement, and Note 1 for a description of the cumulative effect of a change in accounting principle.