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Wells Fargo is a diversified financial services company - providing banking, insurance, wealth management and estate planning, investments, mortgage and consumer finance from more than 5,400 stores, the world's leading Internet banking site (www.wellsfargo.com) and other distribution channels across North America and elsewhere internationally. Our vision is to satisfy all our customers' financial needs, help them succeed financially, and become known as one of America's great companies and the number one financial services provider in each of our markets.



Approved by the Company's shareholders in 2002, the introduction of Altria reflects important evolutions in our development. The name "Philip Morris" is truly a tobacco name-a name associated with a remarkable history as a leader in that industry both in the United States and around the world. But we also have come to own a number of companies that are not tobacco-based, companies such as General Foods, Kraft, Jacobs Suchard and Nabisco. By changing its name, Altria Group will clarify its identity as what it is: a parent company to both tobacco and food companies that manage some of the world's most successful brands.



Kaiser Permanente is America's leading integrated health care organization. Founded in 1945, it is a nonprofit, group practice prepayment program with headquarters in Oakland, California. Kaiser Permanente serves the health care needs of 8.3 million members in nine states and the District of Columbia. Today, it encompasses Kaiser Foundation Health Plan, Inc.; Kaiser Foundation Hospitals; and the Permanente Medical Groups. Nationwide, Kaiser Permanente includes approximately 134,000 technical, administrative, and clerical employees and about 11,000 physicians representing all specialties.



With a history dating back to 1889, Washington Mutual, Inc. is a financial services company committed to serving consumers and small to mid-sized businesses. Our operations serve customers in all 50 states. Through our subsidiaries, we engage in the following business activities: Consumer Banking, Mortgage Banking, Commercial Banking, Financial Services, and Consumer Finance.



General Motors Corp., the world's largest vehicle manufacturer, employs about 325,000 people globally. Founded in 1908, GM has been the global automotive sales leader since 1931. GM today has manufacturing operations in 32 countries and its vehicles are sold in 192 countries. In 2003, GM sold nearly 8.6 million cars and trucks, about 15 percent of the global vehicle market. GM's global headquarters are at the GM Renaissance Center in Detroit.



Wal-Mart Stores, Inc. operates Wal-Mart Stores, Supercenters, Neighborhood Markets and SAM'S CLUBS in all 50 states. Internationally, the company operates in Puerto Rico, Canada, China, Mexico, Brazil, Germany, United Kingdom, Argentina, and South Korea. The company's securities are listed on the New York and Pacific stock exchanges under the symbol WMT. Last year, Wal-Mart Stores, Inc., contributed more than $150 million to support communities and local nonprofit organizations. Customers and associates raised an additional $70 million at stores and clubs.



SBC Communications Inc. is a Fortune 50 company whose subsidiaries, operating under the SBC brand, provide a full range of voice, data, networking, e-business, directory publishing and advertising, and related services to businesses, consumers and other telecommunications providers. SBC holds a 60 percent ownership interest in Cingular Wireless, which serves more than 24 million wireless customers. SBC companies provide high-speed DSL Internet access lines to more American consumers than any other provider and are among the nation's leading providers of Internet services. SBC companies also now offer satellite TV service.



U.S. Bancorp is a diversified financial services company with headquarters in Minneapolis, Minnesota. We offer a comprehensive range of financial products and services to meet the needs of individuals, businesses, institutions and government entities.




TELACU is a non-profit community development corporation founded in 1968. With assets in excess of $400 million, it is self-sustained by TELACU Industries, a for-profit family of companies which provides the economic means to fulfill TELACU's mission. Through its businesses, services and partnerships, TELACU creates dynamic opportunities to rebuild and enhance the communities it serves.



Blue Cross of California
has been serving the health care needs of Californians since 1937. Blue Cross of California, together with its branded affiliates, provides health care services to more than 6.8 million members.




Pacific Gas and Electric Company is one of the largest combination natural gas and electric utilities in the United States. The company, a subsidiary of PG&E Corporation, serves approximately 14 million people throughout a 70,000-square-mile service area in northern and central California.



Citibank is a member of Citigroup. Citigroup, the preeminent global financial services company, has some 200 million customer accounts and does business in more than 100 countries, providing consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, insurance, securities brokerage, and asset management. Major brand names under Citigroup's trademark red umbrella include Citibank, CitiFinancial, Primerica, Smith Barney, Banamex, and Travelers Life and Annuity.



Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk-management products and services. Bank of America is the No. 1 overall Small Business Administration (SBA) lender in the United States and the No. 1 SBA lender to minority-owned small businesses. The company serves clients in 150 countries and has relationships with 98 percent of the U.S. Fortune 500 companies and 85 percent of the Global Fortune 500.



Lilly, a leading innovation-driven corporation is developing a growing portfolio of best-in-class pharmaceutical products by applying the latest research from its own worldwide laboratories and from collaborations with eminent scientific organizations. Headquartered in Indianapolis, Ind., Lilly provides answers - through medicines and information - for some of the world's most urgent medical needs.



Liberty Mutual is a leading global multi-line group of insurance companies whose largest line of business is personal auto, based on 2003 net written premium. Liberty Mutual is the nation's eighth-largest writer of personal lines property and casualty insurance, with full lines of coverage for homeowners, automobile, valuable possessions and personal liability sold through more than 360 direct-sales offices, licensed Prudential agents, two telesales centers, and marketed through payroll deduction and direct billing to more than 7,500 companies and associations.



The Pharmaceutical Research and Manufacturers of America (PhRMA) represents the country's leading pharmaceutical research and biotechnology companies, which are devoted to inventing medicines that allow patients to live longer, healthier, and more productive lives. PhRMA members invested an estimated $33.2 billion in 2003 in discovering and developing new medicines. PhRMA companies are leading the way in the search for new cures.



Southwest Airlines is the nation's fourth largest carrier in terms of domestic Customer boardings. The airline operates 2,900 daily departures to cities in 31 states with a fleet of more than 415 Boeing 737s. The airline's 32,000+ employees provide legendary customer service to travelers in 59 cities across the United States.



Delta Dental of California is the state's largest dental health carrier. Delta and its affiliates (PMI Dental Health Plan and Delta Dental Insurance Company) collectively cover nearly 18 million people in our commercial and government programs throughout the nation. They are also part of a holding company system formed with Delta Dental of Pennsylvania and its affiliates. Together, the holding company members represent one of the largest dental benefits systems in the country, with 21 million enrollees. Today, these programs cover more than one in three Californians. Approximately 92 percent of the state's dentists are Delta participating dentists. Delta is a member of the nationwide Delta Dental Plans Association, which covers more than 45 million Americans and includes the participation of three out of four dentists nationwide.