ANNUAL REPORT 1999 (For the period ended March 1999)

CONTENTS
| Profile | PDF[170KB/1page] |
|---|---|
| Financial Highlights | PDF[67KB/1page] |
| A Message To Shareholders | PDF[143KB/2pages] |
| Products | PDF[229KB/2pages] |
| Category I Business | PDF[297KB/2pages] |
| Category II Business | PDF[449KB/3pages] |
| Category III Business | PDF[269KB/1page] |
| Management's Discussion and Analysis | PDF[145KB/6pages] |
| Consolidated Balance Sheets | PDF[37KB/2pages] |
| Consolidated Statements of Income | PDF[31KB/1page] |
| Consolidated Statements of Shareholders' Equity | PDF[31KB/1page] |
| Consolidated Statements of Cash Flows | PDF[34KB/1page] |
| Notes to Consolidated Financial Statements | PDF[53KB/7pages] |
| Consolidated Five-Year Summary | PDF[31KB/1page] |
| Board of Directors | PDF[46KB/1page] |
| Consolidated Subsidiaries | PDF[39KB/1page] |
| Investor Information | PDF[46KB/1page] |