WHO ARE YOU INVESTING IN?

Introduction

You Are Investing In a Global Technology Leader

We Are Self-Service

We Are Security

We Are Experienced

CHAIRMAN'S LETTER

We Are Dependable

WHAT ARE WE INVESTING IN?

And What Are We Investing In?

Growing Our Core Business

Building Our Brand

Transforming Our Processes

Enhancing Access

FINANCIALS

Introduction

Financial Highlights

Management's Discussion and Analysis

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Shareholders' Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

Independent Auditors' Report

Comparison of Selected Quarterly Financial Data

Report of Management

Forward-Looking Statement Disclosure

11-Year Summary 2002-1992

• Large 11-Year Summary Chart

Directors and Officers

Shareholder Information