One of the largest and most diversified financial services companies in the world  Now in its 68th year of business. Operations in more than 45 countries 28 focused, independent businesses with a common capital base Approx. 85,000 employees worldwide Assets of more than $345 billion 1999 net earnings of $4.44 billion 1998 return on equity of  23.7%, the 18th consecutive year for returns in this range