ANNUAL MEETING OF SHAREHOLDERS The Annual Meeting of  Shareholders will be held at  11:00 a.m., local time, on  April 25, 2003, at the Hyatt Regency Bethesda, One Bethesda Metro Center, Bethesda, MD (at the south west corner of  the Wisconsin Avenue and Old Georgetown Road intersection,  adjacent to the Bethesda  Metro Stop on the Metro Red Line.)