FINANCIAL REPORT > 14 FINANCIAL CONTENTS SELECTED FINANCIAL AND STATISTICAL DATA > 15 CONSOLIDATED FINANCIAL STATEMENTS > 16 NOTES TO CONSOLIDATED FINANCIAL STATEMENTS > 20 REPORT ON MANAGEMENT’S RESPONSIBILITY > 38 INDEPENDENT AUDITORS’ REPORT > 38 MANAGEMENT’S DISCUSSION AND ANALYSIS > 39 DIRECTORS AND OFFICERS > 47 STOCKHOLDERS’ INFORMATION > 47