The following information is part of the consolidated financial statements as of 31 December 2003, which were audited and issued with an unqualified certificate by KPMG Deutsche Treuhand AG, Wirtschaftprüfungsgesellschaft.

Notes

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Notes 1-13

[1] Accounting Policies [5] Securities Available for Sale [12] Goodwill

Notes 27-38

[28] Business Segments and Related Information [29] Restructuring Activities [36] § 292a HGB Compliance Disclosure

Notes 14-26

[18] Obligation to Purchase Common Shares [25] Benefit Plans

Auditor's Report

Independent Auditor's Report

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