*** PLEASE NOTE ***: These annual reports to stockholders may contain certain "forward-looking" statements about the company's expectations or beliefs concerning future events. Such statements are subject to a variety of factors that could cause the company's actual results to differ materially from the anticipated results or expectations expressed in those statements. These statements are being made in reliance upon the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. There can be no assurance that the actual results or developments anticipated by the company will be realized or, even if substantially realized, that they will have the anticipated results. For further information please refer to the company's reports and filings with the Securities and Exchange Commission.