EXHIBIT 10(d)
Annual Performance Incentive Plan 

Under the Annual Performance Incentive Plan, executive officers of the 
Company may be entitled to receive performance related cash payments 
provided that annual, Committee-established performance objectives are met. 
At the beginning of the year, the Executive Compensation and Benefits 
Committee approves for each officer not participating in the Executive 
Performance Incentive Plan, an annual incentive target and maximum 
opportunity expressed as a percentage of annual base salary.  The Committee 
also establishes overall Document Processing threshold, target and maximum 
measures of performance and associated payment schedules.  For 1998, the 
performance measures were earnings per share (35%), revenue growth (25%), 
cash generation (10%), customer satisfaction (10%), customer loyalty (10%) 
and employee satisfaction (10%).  Additional goals are also established for 
each officer that include business unit specific and/or individual 
performance goals and objectives.  The weights associated with each business 
unit specific or individual performance goal and objective used vary and 
range from 20 percent to 50 percent of the total.  Actual performance 
payments are subject to approval by the Committee following the end of the 
year.