APPENDIX OF GRAPHIC AND IMAGE DIFFERENCES



   The following description of graphic and image differences is provided
pursuant to Rule 304 of Regulation S-T under the Securities Exchange
Act of 1934:

   On pages 6 through 8 of the document in paper format there appears
a photograph of each nominee for director beside the nominee's biography.
These photographs have been omitted from lines 466 through 603 of the
document in electronic format, which is where the information on pages
6 through 8 of the paper format document is located.

   The graphs depicting the Five-Year and Ten-Year Performance Comparisons
appearing on pages 14 and 15, respectively, of the document in paper
format are being filed under cover of Form SE in accordance with
Rule 304(d)(1) of Regulation S-T. Information derived from the graphs
is given in the charts in the electronic format document comprising lines
994 through 1004 for the Five-Year Performance Comparison and lines
1016 through 1031 for the Ten-Year Performance Comparison.