TABLE OF CONTENTS $_{Chairman’s Letter }$1 $_{Financial Summary }$3 $_{Management’s Discussion and Analysis }$4 $_{Consolidated Statements of Income }$14 $_{Consolidated Balance Sheets }$15 $_{Consolidated Statements of Shareholders’ Equity }$16 $_{Consolidated Statements of Cash Flows }$17 $_{Notes to Consolidated Financial Statements }$18 $_{Report of Independent Accountants }$26 $_{Corporate Information }$27 $_{Corporate Officers and Board of Directors }$28