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The following is an excerpt from a 10-K405 SEC Filing, filed by WESTAR ENERGY INC /KS on 4/14/1999.

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ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

INTRODUCTION

In Management's Discussion and Analysis we explain the general financial condition and the operating results for Western Resources, Inc. and its subsidiaries. We explain:

- What factors impact our business
- What our earnings and costs were in 1998 and 1997
- Why these earnings and costs differed from year to year
- How our earnings and costs affect our overall financial condition
- What our capital expenditures were for 1998
- What we expect our capital expenditures to be for the years 1999 through 2001
- How we plan to pay for these future capital expenditures
- Any other items that particularly affect our financial condition or earnings

As you read Management's Discussion and Analysis, please refer to our Consolidated Statements of Income on page 63. These statements show our operating results for 1998, 1997 and 1996. In Management's Discussion and Analysis, we analyze and explain the significant annual changes of specific line items in the Consolidated Statements of Income.

Forward-Looking Statements

Certain matters discussed here and elsewhere in this Annual Report are "forward-looking statements." The Private Securities Litigation Reform Act of 1995 has established that these statements qualify for safe harbors from liability. Forward-looking statements may include words like we "believe," "anticipate," "expect" or words of similar meaning. Forward-looking statements describe our future plans, objectives, expectations or goals. Such statements address future events and conditions concerning capital expenditures, earnings, litigation, rate and other regulatory matters, possible corporate restructurings, mergers, acquisitions, dispositions, liquidity and capital resources, interest and dividend rates, Year 2000 Issue, environmental matters, changing weather, nuclear operations, ability to enter new markets successfully and capitalize on growth opportunities in nonregulated businesses, events in foreign markets in which investments have been made, and accounting matters. What happens in each case could vary materially from what we expect because of such things as electric utility deregulation, including ongoing state and federal activities; future economic conditions; legislative developments; our regulatory and competitive markets; and other circumstances affecting anticipated operations, sales and costs.

1998 HIGHLIGHTS

Continued Expansion of Monitored Services

Protection One, Inc. (Protection One) had a year of rapid expansion and continued growth. During the year, Protection One doubled the size of its customer base from about 750,000 customers to about 1.5 million customers. This growth was achieved through acquisitions and Protection One's Dealer Program.

During 1998, Protection One invested approximately $549 million in security company acquisitions. Highlights of this activity include:

- Network Multi-Family - A leading provider of monitored services to multi-family dwellings. This acquisition added approximately 200,000 customers.
- Multimedia Security Services - A purchase of assets, including a large security monitoring center in Wichita, Kansas, that added about 147,000 customers.
- Compagnie Europeenne de Telesecurite (CET) - An acquisition of a French monitored services provider which added 60,000 customers and established a major presence in Western Europe.

Protection One financed these acquisitions primarily with cash advances from Western Resources and from the sale of common shares. In June, Protection One completed an equity offering that raised approximately $406 million in aggregate proceeds. We purchased approximately 37.6 million Protection One common shares of the 42.8 million common shares sold. The shares, which sold for $9.50 per common share, increased our investment in Protection One by $357 million. Our approximate 85% investment in Protection One totals about $1.1 billion at December 31, 1998. During the year, Protection One refinanced a large portion of its debt by issuing $250 million of senior unsecured notes, issuing $350 million of senior subordinated notes and obtaining a $500 million credit facility. Part of the proceeds from these offerings were used to repay a $395 million intercompany obligation to us.

The Lifeline Transaction

In October 1998, Protection One announced an agreement to acquire Lifeline Systems, Inc., (Lifeline) a leading provider of 24-hour personal emergency response and support services in North America. Based on the average closing price for the three trading days prior to April 8, 1999, the value of the consideration to be paid under the merger agreement is approximately $129.2 million or $22.05 per Lifeline share in cash and stock. Lifeline has advised Protection One that it is evaluating the restatement of Protection One's financial statements. The consideration to be given in the Lifeline transaction is by design variable and is subject to change within certain parameters until the closing date. Interested parties should obtain the most recent proxy/registration statement for further analysis of the transaction.

Investment in ONEOK, INC.

We received approximately $40 million in cash dividends from our ONEOK, Inc. (ONEOK) investment in 1998. Tax rules allow us to exclude 70% of these dividends from the determination of taxable income. This 70% exclusion saves us about $11 million in income taxes annually.

In December 1998, ONEOK announced its intention to purchase Southwest Gas Corporation (Southwest). ONEOK will pay Southwest shareholders $28.50 per common share and assume debt for a total transaction value of approximately $1.8 billion. ONEOK will add 1.2 million customers in higher growth markets in Arizona, Nevada and California to its existing base of 1.4 million customers as a result of this purchase. The merger is expected to create the largest stand-alone gas distribution company in the United States.

In February 1999, ONEOK was advised by Southwest that it had received an unsolicited offer of $32 per share of common stock from Southern Union Company. Southwest is evaluating both offers.

In November 1997, we completed our strategic alliance with ONEOK and contributed substantially all of our natural gas business to ONEOK in exchange for a 45% ownership interest in ONEOK. Our ownership interest is comprised of approximately 3.2 million common shares and approximately 20.1 million convertible preferred shares. If all the preferred shares were converted, we would own approximately 45% of ONEOK's common shares presently outstanding. Following the strategic alliance, the consolidated energy sales, related cost of sales and operating expenses in 1997 for our natural gas business have been replaced by investment earnings in ONEOK.

Electric Utility Operations

We experienced warmer weather during the summer months in 1998 than we did in 1997 which improved net income by $19.8 million. The effect of our electric rate decrease lowered 1998 net income $6.6 million.

In January 1997, the Kansas Corporation Commission (KCC) entered an order reducing electric rates for both our KPL division (KPL) and Kansas Gas and Electric Company (KGE). Significant terms of the order are as follows:

- We made permanent the May 1996 interim $8.7 million decrease in KGE rates on February 1, 1997
- We reduced KGE's rates by $36 million annually on February 1, 1997
- We reduced KPL's rates by $10 million annually on February 1, 1997
- We rebated $5 million to all of our electric customers in January 1998
- We reduced KGE's rates by $10 million annually on June 1, 1998
- We rebated $5 million to all of our electric customers in January 1999
- We will reduce KGE's rates by $10 million more annually on June 1, 1999

These electric rate decreases have negatively impacted our net income. The total annual cumulative effect of these rate decreases is approximately $75 million. All rate decreases are cumulative. Rebates are one-time events and do not influence future rates.

Electric utility net income totaled approximately $133 million, excluding one-time events, for 1998. Electric utility net income reflects a debt allocation of $1.9 billion. Westar Energy, the new company to be created as a result of the Kansas City Power & Light Company (KCPL) merger, will assume $1.9 billion of debt from us and KGE after closing the KCPL merger. We expect to own an 80.1% interest in Westar Energy which will combine our electric operations with those of KCPL. For more information on the KCPL merger, see OTHER INFORMATION.

Charge to Income to Exit International Power Development Activity

We decided to exit the international power development business during the fourth quarter of 1998 in order to focus more attention on our consumer service businesses. As a result of this decision, we recorded a charge to income approximating $99 million, or $0.98 per share. The charge accrued exit and shutdown costs, including severance

to affected employees who were notified of the shutdown in December, recognized the write-off of deferred development costs for projects we will cease developing and recognized the write-off of goodwill created when we acquired The Wing Group in 1996. We have also written down the value of certain equity investments in foreign countries to their estimated fair value. We believe negative political, economic, operating, and regulatory factors reduced the value of our ownership interests in these investments and that this decrease is not temporary. See Note 11 for further information.

Other Charges to Income

In the fourth quarter, we sold our investment in an equity security that was unrelated to our core utility and monitored services businesses and realized a pre-tax loss of about $13 million. In addition, we wrote down the value of another investment due to declines in value which we believe were not temporary. The pre-tax charge related to this investment approximated $6 million. Operating results for 1998 also included pre-tax severance obligations and employee benefits of approximately $20 million.

Operating Results

Operating results for 1998 are difficult to compare to 1997 due primarily to 1998 charges as discussed above in 1998 HIGHLIGHTS and the 1997 pre-tax gain on the sale of Tyco International Ltd. (Tyco) common stock of $864 million.

In addition to the gain on the sale of Tyco common stock recorded in 1997, we recorded charges which included $48 million of deferred KCPL merger costs and approximately $24 million recorded by Protection One to recognize higher than expected customer attrition and to record costs related to the acquisition of Protection One.

In November 1997, we completed our strategic alliance with ONEOK and contributed substantially all of our natural gas business to ONEOK in exchange for a 45% ownership interest in ONEOK. Following the strategic alliance, the consolidated sales, related cost of sales and operating expenses in 1997 for our natural gas business have been replaced in 1998 by investment earnings from ONEOK. Sales and cost of sales from our natural gas business in 1997 were $739 million and $538 million.

The following explains significant changes from prior year results in sales, cost of sales, operating expenses, other income (expense), interest expense, income taxes, and preferred and preference dividends.

Energy sales primarily include electric sales, power marketing sales and, through November 1997, natural gas sales. Items included in energy cost of sales are fuel expense, purchased power expense (including electricity we purchase from others for resale), power marketing expense and, through November 1997, natural gas purchased.

Electric Utility

Sales

Electric sales include sales from fossil generation, power marketing and power delivery operations. The KCC and the Federal Energy Regulatory Commission (FERC) authorize rates for our electric sales. Power marketing is only regulated by the FERC. Our electric sales vary with levels of energy deliveries. Changing weather affects the

amount of electricity our customers use. Very hot summers and very cold winters prompt more demand, especially among our residential customers. Mild weather reduces demand.

Many things will affect our future electric sales. They include:

- The weather
- Our electric rates
- Competitive forces
- Customer conservation efforts
- Wholesale demand
- The overall economy of our service area

1998 compared to 1997: Total electric sales increased 31%. Electric utility sales increased 6% due to increased retail energy deliveries as a result of warmer summer temperatures and power marketing sales increased 448%. Our annual $10 million electric rate decrease implemented on June 1, 1998, partially offset this increase.

The following table reflects the change in electric energy deliveries, as measured by kilowatt hours, for retail customers for 1998 compared to 1997.

Increase Residential. . . . . 9.5% Commercial . . . . . 6.8% Industrial . . . . . 1.6% Other. . . . . . . . 1.0% Total retail . . . 5.9%

1997 compared to 1996: Electric sales increased 3% because of our expansion of power marketing activity in 1997. Higher electric sales from power marketing were offset by our reduced electric rates implemented February 1, 1997, which lowered revenues by an estimated $46 million annually.

Cost of Sales

1998 compared to 1997: Total electric cost of sales increased 83% in 1998 due mostly to higher power marketing cost of sales.

1997 compared to 1996: Our power marketing activity in 1997 increased electric cost of sales by $70 million. Actual cost of fuel to generate electricity (coal, nuclear fuel, natural gas or oil) and the amount of power purchased from other utilities were $14 million higher. For further explanations of cost of sales increases, see the fossil generation and nuclear generation business segments discussion below.

Depreciation and Amortization Expense

1998 compared to 1997: Depreciation and amortization expense decreased $22 million, or 12%, primarily because we had fully amortized a regulatory asset during 1997. This decrease in amortization expense increased 1998 earnings before interest and taxes from 1997.

1997 compared to 1996: Depreciation and amortization expense increased $13 million, or 8%, primarily due to fully amortizing a regulated asset associated with Wolf Creek nuclear generation facility (Wolf Creek).

Stranded Costs

The definition of stranded costs for a utility business is the investment in and carrying costs on property, plant and equipment and other regulatory assets which exceed the amount that can be recovered in a competitive market. We currently apply accounting standards that recognize the economic effects of rate regulation and record regulatory assets and liabilities related to our fossil generation, nuclear generation and power delivery operations. If we determine that we no longer meet the criteria of Statement of Financial Accounting Standards No. 71, "Accounting for the Effects of Certain Types of Regulation" (SFAS 71), we may have a material extraordinary non-cash charge to operations. Reasons for discontinuing SFAS 71 accounting treatment include increasing competition that restricts our ability to charge prices needed to recover costs already incurred and a significant change by regulators from a cost-based rate regulation to another form of rate regulation. We periodically review SFAS 71 criteria and believe our net regulatory assets, including those related to generation, are probable of future recovery. If we discontinue SFAS 71 accounting treatment based upon competitive or other events, we may significantly impact the value of our net regulatory assets and our utility plant investments, particularly Wolf Creek. See OTHER INFORMATION for initiatives taken to restructure the electric industry in Kansas.

Regulatory changes, including competition, could adversely impact our ability to recover our investment in these assets. As of December 31, 1998, we have recorded regulatory assets which are currently subject to recovery in future rates of approximately $364 million. Of this amount, $205 million is a receivable for income tax benefits previously passed on to customers. The remainder of the regulatory assets are items that may give rise to stranded costs including coal contract settlement costs, deferred employee benefit costs, deferred plant costs, and debt issuance costs.

In a competitive environment, we may not be able to fully recover our entire investment in Wolf Creek. We presently own 47% of Wolf Creek. Our ownership would increase to 94% when the KCPL combination is completed. We also may have stranded costs from an inability to recover our environmental remediation costs and long-term fuel contract costs in a competitive environment. If we determine that we have stranded costs and we cannot recover our investment in these assets, our future net utility income will be lower than our historical net utility income has been unless we compensate for the loss of such income with other measures.

Electric Utility Business Segments

We define and report our business segments based on how management currently evaluates our business. Management has segmented our business based on differences in products and services, production processes and management responsibility. We manage our electric utility business segments' performance based on their earnings before interest and taxes (EBIT). EBIT does not represent cash flow from operations as defined by generally accepted accounting principles, should not be construed as an alternative to operating income and is indicative neither of operating performance nor cash flows available to fund the cash needs of our company. Items excluded from EBIT are significant components in understanding and assessing the financial performance of our company. We believe presentation of EBIT enhances an understanding of financial condition, results of operations and cash flows because EBIT is used by our company to satisfy its debt service obligations, capital expenditures, dividends and other operational needs, as well as to provide funds for growth. Our computation of EBIT may not be comparable to other similarly titled measures of other companies.

Allocated sales are external sales collected from customers by our power delivery segment that are allocated to our fossil generation and nuclear generation business segments based on demand and energy cost. The following discussion identifies key factors affecting our electric business segments.

Fossil Generation

1998 1997 1996
(Dollars in Thousands)

External sales. . . . . . . . . $525,974 $208,836 $144,056 Allocated sales . . . . . . . . 517,363 517,167 518,199 Depreciation and amortization . 53,132 53,831 52,303 EBIT. . . . . . . . . . . . . . 144,357 149,825 188,173

External sales increased over the last two years mostly because of increased power marketing sales of $313 million in 1998 and $70 million in 1997. In 1997, we made a strategic decision to expand our power marketing business to better utilize our generating assets and reduce risk associated with energy prices. We expanded into both the marketing of electricity and risk management services to wholesale electric customers and the purchase of electricity for our retail customers. Our margin from power marketing activities is significantly less than our margins on our traditional electric sales. Our power marketing activity has resulted in electric purchases and sales made in areas outside of our historical marketing territory. Through December 31, 1998, our power marketing activity has had an insignificant effect on EBIT.

The availability of our generating units and purchased power from other companies impacts power marketing sales. In 1998, due to warmer than normal weather throughout the Midwest and a lack of power available for purchase on the wholesale market, the wholesale power market experienced extreme volatility in prices and availability. We believe future volatility, such as that recently experienced in the market, could impact our cost of power purchased and impact our ability to participate in power trades.

EBIT for 1998 decreased from 1997 because we had higher purchased power expense of $5 million due to a coal-fired generation station being unavailable for the summer.

EBIT for 1997 decreased from 1996 due to higher cost of fuel and purchased power expense discussed below, a $6 million expense of obsolete inventory and other increased operating and maintenance expenses.

In 1997, actual cost of fossil fuel to generate electricity and the amount of power purchased from other utilities were $14 million higher than in 1996. Our Wolf Creek nuclear generating station was off-line in the fourth quarter of 1997 for scheduled maintenance and our La Cygne coal generation station was off-line during 1997 for an extended maintenance outage. As a result, we burned more natural gas to generate electricity at our facilities. Natural gas is more costly to burn than coal and nuclear fuel for generating electricity.

Railroad transportation limitations prevented scheduled fuel deliveries, reducing our coal inventories. To compensate for a lack of coal, we purchased more power from other utilities and burned more expensive natural gas to meet our energy requirements. We also purchased more power from other utilities because our Wolf Creek and La Cygne generating stations were not generating electricity for parts of 1997.

Nuclear Generation

1998 1997 1996
(Dollars in Thousands)

Allocated sales . . . . . . . . $117,517 $102,330 $100,592 Depreciation and amortization . 39,583 65,902 57,242 EBIT. . . . . . . . . . . . . . (20,920) (60,968) (51,585)

Nuclear fuel generation has no external sales because it provides all of its power to its co-owners KGE, KCPL and Kansas Electric Power Cooperative, Inc. The amounts above are our 47% share of Wolf Creek's operating results.

Allocated sales and EBIT were higher in 1998 because Wolf Creek operated the entire year without any outages. In 1997, the Wolf Creek facility was off-line for 58 days for a scheduled maintenance outage.

Depreciation and amortization expense for 1998 compared to 1997 decreased $26 million because we had fully amortized a regulatory asset during 1997. This decrease in amortization expense increased EBIT for 1998.

Decommissioning: Decommissioning is a nuclear industry term for the permanent shut-down of a nuclear power plant when the plant's license expires. The Nuclear Regulatory Commission (NRC) will terminate a plant's license and release the property for unrestricted use when a company has reduced the residual radioactivity of a nuclear plant to a level mandated by the NRC. The NRC requires companies with nuclear power plants to prepare formal financial plans. These plans ensure that funds required for decommissioning will be accumulated during the estimated remaining life of the related nuclear power plant.

The Financial Accounting Standards Board is reviewing the accounting for closure and removal costs, including decommissioning of nuclear power plants. If current accounting practices for nuclear power plant decommissioning are changed, the following could occur:

- Our annual decommissioning expense could be higher than in 1998
- The estimated cost for decommissioning could be recorded as a liability (rather than as accumulated depreciation)
- The increased costs could be recorded as additional investment in the Wolf Creek plant

We do not believe that such changes, if required, would adversely affect our operating results due to our current ability to recover decommissioning costs through rates (see Note 10).

Power Delivery

1998 1997 1996
(Dollars in Thousands)

External sales. . . . . . . . . $1,085,711 $1,021,212 $1,053,359 Allocated sales . . . . . . . . 66,492 66,492 71,492 Depreciation and amortization . 68,297 63,590 60,713 EBIT. . . . . . . . . . . . . . 196,398 173,809 218,936

External sales and EBIT increased from 1997 to 1998. In addition to our normal customer growth, we experienced warmer weather during the summer months in 1998 than we did in 1997 which improved external sales approximately $42 million. The effect of our electric rate decrease lowered 1998 external sales approximately $11 million.

External sales and EBIT decreased from 1996 to 1997 due to reduced electric rates implemented February 1, 1997, which lowered revenues by an estimated $46 million.

Monitored Services

1998 1997 1996
(Dollars in Thousands)

External sales. . . . . . . . . $421,095 $152,347 $8,546 Depreciation and amortization . 117,651 41,179 944 EBIT. . . . . . . . . . . . . . 56,727 (38,517) (3,555)

Restatement of 1997 Financial Statements: As a result of a decision by Protection One to restate its 1997 financial statements, we have chosen to restate our financial statements to conform to the changes reflected by Protection One. We do not believe the restated operating results and financial position are materially different from those which were reported in our December 31, 1997, Annual Report on Form 10K/A. See Note 2 to the consolidated financial statements for further discussion of the restatement.

1998 compared to 1997: In 1998, Protection One operated and managed our monitored services interests. The results discussed below reflect Protection One on a stand-alone basis and do not take into consideration the minority interest of about 15% at December 31, 1998. Results of operations for 1998 reflect adjustments made to restate quarterly earnings as discussed in Note 22 to the consolidated financial statements.

Monitored services business sales increased $269 million. The increase is due to acquisitions and new customers purchased through Protection One's Dealer Program. The Dealer Program consists of independent companies with residential and small commercial sales, marketing and installation skills provide Protection One with new monitoring customers for purchase on an ongoing basis. Monthly recurring revenue represents the monthly fees paid by customers for on-going monitored security service. At December 31, 1998, monthly recurring revenue totaled about $38 million. Protection One added approximately $17 million of monthly recurring revenue from acquisitions and approximately $5 million of monthly recurring revenue from its Dealer Program. Because acquisitions and purchases from the Dealer Program occurred throughout the year, not all of the $22 million of acquired monthly recurring revenue is reflected in 1998 results. Offsetting these revenue increases was Protection One's net monthly recurring revenue attrition of 9%, a decrease from 13% in 1997 (see further discussion below).

Cost of sales increased $93 million. Monitoring and related services expenses increased by $71 million, or 217%, due to the acquisition of three major service centers and three smaller satellite monitoring facilities in the United States, as well as two service centers in Canada and two in Europe.

Monitoring and service activities at existing facilities increased as well due to new customers generated by Protection One's Dealer Program.

Selling, general and administrative expenses rose $31 million. The increase in expenses resulted primarily from acquisitions, offset by a decrease in sales and related expenses. Selling, general and administrative expenses as a percentage of total revenues declined from 56% in 1997 to 27% in 1998. The transition of Protection One's primary distribution channel from an internal sales force to the Dealer Program resulted in sales commissions declining by approximately $9 million. Protection One also reduced advertising and telemarketing activities that formerly supported the internal sales force.

Amortization of intangibles and depreciation expense totaled $118 million in 1998. Protection One recorded $582 million of customer intangibles and $549 million in cost allocated to goodwill during 1998 from its purchases of monitored services companies, portfolios of customer accounts and individual new customers through its Dealer Program. Protection One amortizes customer accounts over 10 years and goodwill over 40 years, in each case using a straight-line method.

Like most monitored services companies, Protection One invests significant amounts to generate new customers and seeks to maintain relationships with its customers by providing excellent service. Protection One measures the loss of customers and revenues to verify that investments in new customers are generating a satisfactory rate of return and that the policy of amortizing the cost to acquire customer accounts over 10 years is reasonable. Protection One calculates both gross customer losses and net monthly recurring revenue loss as meaningful statistics. If future losses were to increase substantially, Protection One could be required to shorten the 10-year period used to amortize the investment in new customers. The resulting increase in amortization expense could be significant. In addition, the SEC staff is reviewing Protection One's amortization methodology used on customer accounts. The SEC staff has questioned the appropriateness of the current accounting method which Protection One believes is consistent with industry practices. A significant change in the amortization method would likely have a material effect on the company's results of operations. The intangible amortization represents a non-cash charge to income. The net balance of customer accounts at December 31, 1998, was approximately $1 billion.

EBIT increased $95 million in 1998. Included in 1998 EBIT is a non-recurring gain approximating $16 million on the repurchase of customer contracts covered by a financing arrangement. A charge of approximately $24 million adversely affected 1997 EBIT. The charge was needed to recognize higher than expected customer attrition and to record costs related to the acquisition of Protection One.

1997 compared to 1996: Monitored services business sales increased $144 million from a minimal amount recorded in 1996. This increase is because of our December 30, 1996, purchase of the net assets of Westinghouse Security Systems, Inc. (Westinghouse Security Systems) and the acquisition on November 24, 1997, of 82.4% of Protection One.

Other Operating Expenses

In 1998, we recorded a $99 million charge to income associated with our decision to exit the international power project development business as previously discussed in 1998 HIGHLIGHTS.

In 1997, we recorded a charge totaling $48 million to write-off the original merger costs associated with the KCPL transaction. In addition, Protection One recorded a charge of $24 million in 1997 as discussed above in Monitored Services.

Other Income (Expense)

Other income (expense) includes miscellaneous income and expenses not directly related to our operations.

1998 compared to 1997: Other income (expense) decreased $866 million due to the following factors:

(Millions)

Other Income (Expense) in 1997 . . . . . . . . $ 922

1997
Non-recurring gain on the sale of our TYCO common stock. . . . . . . . . . . . (864) Investment earnings recorded on Hanover and ADT investments. . . . . . . . . . . (33)

1998
Increase in earnings from the investment in ONEOK . . . . . . . . . . . . . . . . 37 Recorded investment losses . . . . . . . . (22) Non-recurring Protection One gains. . . . . 19 Increase in COLI death proceeds . . . . . . 13 Other miscellaneous . . . . . . . . . . . . (16) Other income (expense) in 1998. . . . . . . $56

Interest Expense

1998 compared to 1997: Interest expense represents the interest we paid on outstanding debt. Interest expense increased 17% due to higher long-term debt. Our long-term debt balance increased $875 million due to our and Protection One's issuance of new long-term debt used to reduce existing short-term debt, to fund nonregulated operations and to finance a substantial portion of Protection One's customer account growth. Lower short-term debt interest expense partially offset the higher long-term debt interest expense. Our short-term debt had a lower weighted average interest rate than the long-term debt which replaced it.

1997 compared to 1996: We incurred $27 million more short-term debt interest in 1997. Average short-term debt balances were higher in 1997 because we used short-term debt to finance our investment in ADT Limited (which later converted to Tyco) and to purchase the assets of Westinghouse Security Systems. Short-term debt interest expense declined in the second half of 1997 after we used the proceeds from the sale of Tyco common stock and a long-term debt financing to reduce our short-term debt balance. From December 31, 1996, to December 31, 1997, our short-term debt balance decreased $744 million. From 1996 to 1997, interest recorded on long-term debt increased $14 million, or 13%, due to the issuance of $520 million in senior unsecured notes.

Income Taxes

1998 compared to 1997: Income tax expense declined significantly due to the decline in taxable net income. In 1998, charges, primarily the charge to income to exit the international power development business, significantly lowered tax expense. Tax expense for 1997 included taxes related to the gain on the sale of Tyco common stock.

Our effective tax rate also declined from 1997. This decline is largely attributable to non-taxable proceeds from our corporate-owned life insurance policies and the benefit of excluding 70% of ONEOK dividends received from the determination of taxable income. Non-deductible goodwill amortization, state income taxes, depreciation, and other adjustments to our tax provision partially offset the tax benefits described above.

1997 compared to 1996: Income taxes on the gain from the sale of Tyco common stock increased total income tax expense by approximately $345 million.

Preferred and Preference Dividends

On April 1, 1998, we redeemed the 7.58% preference stock due 2007. On July 1, 1996, we redeemed all the 8.5% preference stock due 2016. These redemptions have resulted in a significant decline in preferred and preference dividends since 1996. In accordance with the terms of the KCPL merger agreement, we will be required to redeem all of the remaining preferred stock prior to the merger.

LIQUIDITY AND CAPITAL RESOURCES

Overview

Most of our cash requirements consist of capital expenditures and maintenance costs associated with the electric utility business, continued growth in the monitored services business and payment of common stock dividends. Our ability to attract necessary financial capital on reasonable terms is critical to our overall business plan. Historically, we have paid for acquisitions with cash on hand, or the issuance of stock or short-term debt. Our ability to provide the cash, stock or debt to fund our capital expenditures depends upon many things, including available resources, our financial condition and current market conditions.

As of December 31, 1998, we had $16 million in cash and cash equivalents. We consider highly liquid debt instruments purchased with a maturity of three months or less to be cash equivalents. Other than operations, our primary source of short-term cash is from short-term bank loans, unsecured lines of credit and the sale of commercial paper. At December 31, 1998, we had approximately $313 million of short-term debt outstanding, of which $148 million was commercial paper and $165 million was bank loans. We have arrangements with certain banks to provide unsecured short-term lines of credit on a committed basis totaling approximately $821 million.

We have also registered securities for sale with the Securities and Exchange Commission. As of December 31, 1998, these included $400 million of unsecured senior notes, $50 million of KGE first mortgage bonds and approximately 11 million Western Resources common shares.

Our embedded cost of long-term debt was 7.4% at December 31, 1998, a drop of 0.1% from December 31, 1997.

Cash Flows from Operating Activities

Cash from operations increased significantly from 1997 because of two factors. First, taxes paid of approximately $345 million on the gain on the sale of Tyco common stock reduced 1997 operating cash flow. Secondly, 1998 includes the first full year

of Protection One operations. This increased operating cash flow from our monitored services business by about $90 million from 1997.

Cash Flows from Investing Activities

During 1998, most of our cash used for investing purposes was to continue the growth of our monitored services business. We used net cash of about $827 million to expand this business through acquisitions, the Dealer Program and installations. Protection One does not anticipate its 1999 expansion activity to be as significant as in 1998.

Capital expenditures totaled $183 million in 1998, slightly less than 1997 and 1996. We also purchased marketable securities and additional interests in affordable housing tax credits.

In October 1998, Protection One announced an agreement to acquire Lifeline Systems, Inc., (Lifeline) a leading provider of 24-hour personal emergency response and support services in North America. Based on the average closing price for the three trading days prior to April 8, 1999, the value of the consideration to be paid under the merger agreement is approximately $129.2 million or $22.05 per Lifeline share in cash and stock. Lifeline has advised Protection One that it is evaluating the restatement of Protection One's financial statements. The consideration to be given in the Lifeline transaction is by design variable and is subject to change within certain parameters until the closing date. Interested parties should obtain the most recent proxy/registration statement for further analysis of the transaction.

On January 25, 1999, Protection One's Board of Directors authorized a private placement of common shares to Westar Capital, Inc., a wholly-owned subsidiary of our company.

The private placement will allow us to maintain ownership in excess of 80% of Protection One's issued and outstanding common shares following the issuance of Protection shares to Lifeline shareholders.

We may also acquire shares of Protection One common stock in open market or privately negotiated transactions depending upon market conditions. Any open market or private purchases will reduce or eliminate our need to purchase shares in the private placement to maintain our ownership of at least 80%.

Cash Flows from Financing Activities

In July 1998, we issued $30 million of 6.8% Senior Notes due July 15, 2018. The notes are unsecured and unsubordinated obligations of the company. In July 1998, we filed a shelf registration for $800 million in senior, unsecured obligations of the company. In August 1998, we issued $400 million of 6.25% Putable/Callable Notes due on August 15, 2018, putable/callable on August 15, 2003 under this shelf registration. Proceeds from these issuances were used to reduce short-term debt incurred in connection with investments in unregulated operations, the redemption of preferred securities and other general corporate purposes.

On April 1, 1998, we redeemed our 7.58% Preference Stock due 2007 at a premium, including dividends, for $53 million.

Financing activities provided Protection One with $744 million of cash. Protection One raised $642 million through the following new debt instruments:

(Dollars in Millions)

August 17, 1998: Senior unsecured 7 3/8% notes due in 2005 . . . . . . . . . . . $250 December 16, 1998: Senior subordinated 8 1/8% notes due in 2009 . . . . . . . . . . . 350 December, 1998: Borrowings under a revolving credit facility. . . . . . . . . . . 42 $642

In December 1998, Protection One obtained a revolving credit facility. Protection One can borrow under this facility at a range of interest rates based on either (1) the Prime Rate or (2) a Eurodollar Rate. At December 31, 1998 the senior credit facility had a weighted average interest rate of 6.8% and had an outstanding balance of $42 million. The facility matures in December 2001.

Among other restrictions, Protection One is required under the revolving credit facility to maintain a ratio of earnings before interest, taxes, depreciation and amortization (EBITDA) to interest expense of not less than 2.75 to one and total debt cannot be greater than 5 times annualized most recent quarter EBITDA for 1999 and 4.5 times thereafter. In addition, in light of the restatement of its financial statements, Protection One has obtained a bank waiver for prior representations concerning its financial statements.

Protection One also raised $406 million in aggregate proceeds through the sale of common stock. We paid approximately $357 million of the total amount raised; therefore, the proceeds net of applicable fees obtained from the sale of common stock approximated $46 million.

Protection One used proceeds from these financing transactions primarily to fund acquisitions and Dealer Program growth. Protection One also repaid $512 million of existing debt, including a $395 million intercompany obligation with us.

Capital Structure

Our capital structures at December 31, 1998, and 1997 were as follows:

1998 1997 Common stock . . . . . . . . . . . . . . . 37% 45% Preferred and preference stock . . . . . . 1% 2% Western Resources obligated
mandatorily redeemable preferred securities of subsidiary trust holding solely company subordinated debentures . 4% 5% Long-term debt . . . . . . . . . . . . . . 58% 48% Total. . . . . . . . . . . . . . . . . . . 100% 100%

Security Ratings

Standard & Poor's Ratings Group (S&P), Fitch Investors Service (Fitch) and Moody's Investors Service (Moody's) are independent credit-rating agencies. These agencies rate our debt securities. These ratings indicate the agencies' assessment of

our ability to pay interest and principal on these securities. These ratings affect how much we will have to pay as interest on securities we sell to obtain additional capital. The better the rating, the less interest we will have to pay on the new debt securities we sell.

At December 31, 1998, ratings with these agencies were as follows:

Kansas Gas Western Western and Electric Resources' Western Resources' Company's Mortgage Resources' Short-term Mortgage Bond Unsecured Debt Bond Rating Agency Rating Debt Rating Rating
S&P A- BBB A-2 BBB+
Fitch A- BBB+ F-2 A- Moody's A3 Baa1 P-2 A3

Following the announcement of our restructured merger agreement with KCPL, S&P placed its ratings of Western Resources and KGE bonds on CreditWatch with positive implications. Moody's changed the direction of its ongoing review of Western Resources' debt rating from possible downgrade to possible upgrade.

Future Cash Requirements

We believe that internally generated funds and new and existing credit agreements will be sufficient to meet our operating and capital expenditure requirements, debt service and dividend payments through the year 2001. Uncertainties affecting our ability to meet these requirements with internally generated funds include the effect of competition and inflation on operating expenses, sales volume, regulatory actions, compliance with future environmental regulations, availability of earnings to pay dividends, the availability of generating units and weather. The amount of these requirements and our ability to fund them will also be significantly impacted by the pending combination of our electric utility operations with KCPL.

In order to meet the needs of our electric utility customers, we plan to install three new combustion turbine generators for use as peaking units. The installed capacity of the three new generators will approximate 300 MW. The first two units are scheduled to be placed in operation in 2000 and the third is scheduled to be placed in operation in 2001. We estimate that the project will require $120 million in capital resources through the completion of the projects in 2001. In addition, we are planning to return our inactive generation plant in Neosho, Kansas to active service in 1999 at an estimated cost of $0.7 million.

On January 4, 1999, we and the Empire District Electric Company (Empire) signed a memorandum of understanding that provides for the joint ownership of a 500-megawatt combined cycle generating unit, which Empire will operate. We estimate that the project will require $90 million in capital resources and we will own 40% of the generating unit. Construction of the unit is expected to begin in the fall of 1999 with operation beginning approximately 20 months later.

Our business requires a significant capital investment. We currently expect that through the year 2001, we will need cash mostly for:

- Ongoing utility construction and maintenance programs designed to maintain and improve facilities providing electric service.
- Growth within the monitored services business, including acquisition of customer accounts.

Capital expenditures for 1998 and anticipated capital expenditures for 1999 through 2001 are as follows:

Fossil Nuclear Power Monitored Generation Generation Delivery Services Other Total

(Dollars in Thousands)

1998 . . $ 46,400 $25,800 $78,000 $859,500 $47,700 $1,057,400 1999 . . 117,900 19,700 90,800 434,400 20,700 683,500 2000 . . 149,900 32,200 79,700 355,100 2,300 619,200 2001 . . 109,100 21,200 78,600 373,700 200 582,800

Monitored services capital expenditures include anticipated acquisitions and purchases of customer accounts. Other primarily represents our commitments to our Affordable Housing Tax Credit (AHTC) program. See discussion in OTHER INFORMATION below.

These estimates are prepared for planning purposes and may be revised (see Note 10). Actual expenditures may differ from our estimates. Electric expenditures shown in the table above do not take into account the pending combination of our electric utility operations with KCPL (see Note 21).

Bond maturities will require cash of approximately $435 million through the year 2003. Protection One is required to retire its $500 million revolving credit facility in the year 2001. At December 31, 1998, $42 million was outstanding under this facility.

Dividend Policy

Our currently authorized quarterly dividend for 1999 of 53 1/2 cents per common share or $2.14 on an annual basis is paid from our earnings and remains unchanged from 1998. Our board of directors reviews our dividend policy on an annual basis. We expect the next review to be made in January 2000. Among the factors typically considered in determining our dividend policy are earnings, cash flows, capitalization ratios, competition and regulatory conditions. In addition, we expect the board of directors in its next review to consider various factors such as greater participation in our dividend reinvestment program, our new compensation plan that pays senior management part of their annual compensation in stock and our business profile upon completion of the KCPL merger.

OTHER INFORMATION

Competition and Enhanced Business Opportunities

The United States electric utility industry is evolving from a regulated monopolistic market to a competitive marketplace. The 1992 Energy Policy Act began deregulating the electricity industry. The Energy Policy Act permitted the FERC to order electric utilities to allow third parties the use of their transmission systems to sell electric power to wholesale customers. A wholesale sale is defined as a

utility selling electricity to a "middleman", usually a city or its utility company, to resell to the ultimate retail customer. As part of the 1992 KGE merger, we agreed to open access of our transmission system for wholesale transactions. FERC also requires us to provide transmission services to others under terms comparable to those we provide to ourselves. During 1998, wholesale electric sales represented approximately 12% of total electric sales, excluding power marketing sales.

Various states have taken steps to allow retail customers to purchase electric power from providers other than their local utility company. The Kansas Legislature created a Retail Wheeling Task Force (the Task Force) in 1997 to study the effects of a deregulated and competitive market for electric services. Legislators, regulators, consumer advocates and representatives from the electric industry made up the Task Force. Several bills were introduced to the Kansas Legislature in the 1998 legislative session, but none passed. Hearings on retail wheeling bills are being held in the 1999 legislature. The outcome of retail wheeling legislation in Kansas remains uncertain.

We believe successful providers of energy in a deregulated market will provide energy-related services. We believe consumers will demand innovative options and insist on efficient products and services to meet their energy-related needs. We believe that our strong core utility business provides a platform to offer the efficient energy products and services that customers will desire. We continue to seek new ways to add value to the lives and businesses of our customers. We recognize that our current customer base must expand beyond our existing service area.

Increased competition for retail electricity sales may reduce future electric utility earnings compared to our historical electric utility earnings. After all ordered electric rate decreases are implemented, our rates will range from 73% to 90% of the national average for retail customers. Because of these reduced rates, we expect to retain a substantial part of our current volume of energy deliveries in a competitive environment.

While operating in this competitive environment may place pressure on our profit margins, common dividends and credit ratings, we expect it to create opportunities. Wholesale and industrial customers may pursue cogeneration, self-generation, retail wheeling, municipalization or relocation to other service territories in an attempt to cut their energy costs. Credit rating agencies are applying more stringent guidelines when rating utility companies due to increasing competition.

We offer competitive electric rates for industrial improvement projects and economic development projects in an effort to maintain and increase electric load.

To better position ourselves for the competitive energy environment, we are pursuing a merger with KCPL, we have consummated a strategic alliance with ONEOK (see Note 8) and we hold a controlling interest in Protection One (see Note 4).

In light of competitive developments, we are pursuing the following strategic plan:

- Maintain a strong core energy business.
- Seek out and pursue business lines that are compatible with our investment criteria and growth strategies;
i.e., customer growth and monthly, recurring revenues.
- Promote cross-marketing strategies among our consumer services businesses.

Year 2OOO Issue

We are currently addressing the effect of the Year 2000 Issue on information systems and operations. We face the Year 2000 Issue because many computer systems and applications abbreviate dates by eliminating the first two digits of the year, assuming that these two digits are always "19". On January 1, 2000, some computer programs may incorrectly recognize the date as January 1, 1900. Some computer systems and applications may incorrectly process critical information or may stop processing altogether because of the date abbreviation. Calculations using dates beyond December 31, 1999, may affect computer applications before January 1, 2000.

Electric Utility Operations: We have recognized the potential adverse effects the Year 2000 Issue could have on our utility operations. In 1996, we established a formal Year 2000 readiness program to investigate and correct these problems in the main computer systems of our company. In 1997, we expanded the program to include all business units and departments of our utility operations, using a common methodology. The Year 2000 Issues concerning the Wolf Creek nuclear operating plant are discussed below.

The goal of our Year 2000 readiness program is to identify and assess all critical computer programs, computer hardware and embedded systems potentially affected by the Year 2000 date change, to repair or replace those systems found to be incompatible with Year 2000 dates, and to develop predetermined actions to be used as contingencies in the event any critical business function fails unexpectedly or is interrupted. The program is directed by a written policy which provides the guidance and methodology to the departments and business units to follow. Due to varying degrees of exposure of departments and business units to the Year 2000 Issue, some departments and business units are further along in their readiness efforts than others. All departments have completed the awareness, inventory, and assessment phases, and have developed their initial contingency plans. Most smaller departments and business units have completed the assessment, remediation, and testing phases. The majority of our current efforts are in the remediation and testing phases. Overall, based on manhours as a measure of work effort, we believe we are approximately 74% complete with our readiness efforts.

The estimated progress of our departments and business units, exclusive of Protection One and Wolf Creek Nuclear Operating Corporation (WCNOC), at December 31, 1998, based on manhours, is as follows:

Percentage Department/Business Unit Completion

Fossil Fuel . . . . . . . . . . . . . . . 81% Power Delivery . . . . . . . . . . . . . 73% Information Technology. . . . . . . . . . 76% Administrative. . . . . . . . . . . . . . 69%

Our Year 2000 readiness program addresses all Information Technology (IT) and non-IT issues which may be impacted by the Year 2000 Issue. We have included commercial computer software, including mainframe, client/server, and desktop software; internally developed computer software, including mainframe, client/server, and desktop software; computer hardware, including mainframe, client/server, desktop, network, communications, and peripherals; devices using embedded computer chips, including plant equipment, controls, sensors, facilities equipment, heating, ventilating, and air

conditioning (HVAC) equipment; and relationships with third-party vendors, suppliers, and customers. Our program requires testing as a method for verifying the Year 2000 readiness of an item. For those items which are impossible to test, other methods are being used to identify the readiness status, provided adequate contingency plans are established to provide a workaround or backup for the item. Our Year 2000 readiness efforts for utility operations were substantially completed at the end of 1998 except for those items scheduled for normal maintenance or upgrade during 1999.

We estimate that total costs to update all of our electric utility operating systems for Year 2000 readiness, excluding costs associated with WCNOC discussed below, to be approximately $6.5 million, of which $4.2 million represents IT costs and $2.3 million represents non-IT costs. As of December 31, 1998, we have expended approximately $4.1 million of these costs, of which $3.2 million represent IT costs and $0.9 million represent non-IT costs. Based on what we know, we expect to incur the remaining $2.4 million, of which $1.0 million represents IT costs and $1.4 million represents non-IT costs, by the end of 1999. These costs include labor costs for both company employees and contract personnel used in our Year 2000 program, and non-labor costs for software tools used in our remediation and testing efforts, replacement software, replacement hardware, replacement embedded devices, and miscellaneous costs associated with their testing and replacement.

We have identified the following major areas of risk relating to our Year 2000 Issue exposure: 1) vendors and suppliers, 2) internal plant controls and systems, 3) telecommunications, including phone systems and cellular phones,
4) large customers, and 5) rail transportation. We consider vendors and suppliers a risk because of the lack of control we have over their operations. We are in the process of contacting by letter each vendor or supplier critical to our operations for information pertaining to their Year 2000 readiness. We consider our plant controls and systems a risk due to the complexity, variety, and extent of the embedded systems. We consider telecommunications a risk because it performs a critical function in a large number of our business processes and plant control functions. We consider large customers a risk because of the influence their electrical usage patterns have on our electrical generation and distribution systems. We consider rail transportation a risk because of our dependence for delivery of coal used at our coal-fired generating plants.

The most reasonably likely worst case scenario we anticipate is the loss or partial interruption of local and long-distance telephone service, the interruption or significant delay to rail service affecting the coal deliveries to our generating plants, the unscheduled shut-down of the Wolf Creek nuclear operating plant, the potential loss of load from one or more large customers, and the loss of minimal generating capacity in the region for brief periods of time. Approximately 62% of our generating capacity utilizes coal as fuel.

We are addressing these risks in our contingency plans, and have or will be implementing a number of action plans in advance to mitigate these and other potential risks. Our contingency plans include pre-established actions to deal with potential operational impacts. For example, we have installed a company-wide trunked radio system which can be used in place of the commercial telecommunications systems, in the event those systems are interrupted. We plan to place in service, at reduced output, generating units which would normally not be in service to help accommodate load shifts that would be caused by a large customer suddenly dropping or significantly reducing their electricity usage, or in the event of unexpected loss of some of our generation capacity or generation capacity of others in the region. In addition, we generally maintain more than a 30-day supply of coal at each of our coal-fired generating plants,

reducing the effect of any temporary interruption of rail transportation and an unscheduled temporary shut-down of the Wolf Creek nuclear operating plant discussed below.

While all business units and departments have developed contingency plans to cover essential business functions and anticipated possible Year 2000-related failure or interruption, these plans are continually reviewed and updated based on information learned as our Year 2000 readiness efforts proceed.

Wolf Creek Nuclear Operating Corporation: WCNOC has been evaluating and adjusting all known date-sensitive systems and equipment for Year 2000 compliance. WCNOC is developing a plan to effect the readiness of the plant for the coming of the Year 2000. This plan is designed to closely parallel the guidance provided by the Nuclear Energy Institute and the NRC. WCNOC is partnering with several industry groups to share information regarding evaluating items that are Year 2000 sensitive. As applications and devices are confirmed to be Year 2000 non-compliant, business decisions are being made to repair or retire the item.

On May 11,1998 the NRC issued Generic Letter 98-01 entitled "Year 2000 Readiness of Computer Systems at Nuclear Power Plants." This letter expressed the NRC's expectations with regard to Year 2000 readiness. The letter also requires the licensee to file its Year 2000 plan and status report no later than July 1, 1999.

WCNOC is developing contingency plans to address risk associated with Year 2000 Issues. These plans generally follow the guidance contained in NUCLEAR ENERGY INSTITUTE/NUCLEAR UTILITY SOFTWARE MANAGEMENT GROUP 98-07, NUCLEAR UTILITY READINESS CONTINGENCY PLANNING. The steps to be taken involve the determination of which items present a critical risk to the facility, review of the identified risks, determining mitigation strategies, and ensuring that each responsible organization develops appropriate contingency plans.

In order to assess the licensees progress in preparing for Year 2000, the NRC scheduled audits at various nuclear power plant facilities during 1998 and early 1999. One of these audits was conducted at WCNOC during the month of November 1998. The findings of this audit were as follows:

- The NEI/NUSMG 97-07 guidance is being followed. The Wolf Creek licensee has not identified any systems needed for safe shutdown as having Year 2000 problems.
- Wolf Creek is making use of its existing quality assurance and modification programs and procedures to achieve Year 2000 readiness. Furthermore, Wolf Creek is engaged in extensive information sharing and interfaces with other entities on Year 2000 Issues.
- The need for Year 2000 contingency planning is understood by the Wolf Creek licensee and in keeping with the NEI/NUSMG 98-07 recommendation, one individual has been designated as the single point of contact for contingency planning.
- Wolf Creek is at the detailed assessment phase except for the items of minimal significance designated as Limited Use Databases and spreadsheets, which come under the category of Limited Use Hardware/ Software. Year 2000 readiness for Wolf Creek is scheduled for September 15, 1999, and can be achieved based on the effort underway.

- Executive management support was found to be aggressive at Wolf Creek. Management at Wolf Creek has dedicated the fiscal resources needed for successful completion of the year 2000 readiness program.

Since Wolf Creek was designed during the 1970s and 1980s, most of the originally installed electronic plant equipment did not contain microprocessors. During this time frame, the NRC would not allow components required for safe shutdown of the plant to contain microprocessors. For these reasons, there is minimal Year 2000 risk associated with being able to safely shutdown the plant and maintain it in a safe shutdown condition. During the years since original construction, microprocessor based electronic components have been added in non-safe shutdown applications. Some of these (only two identified thus far and no others are anticipated) could shutdown the plant. Special attention will be paid to these devices to ensure that there is minimal Year 2000 risk associated with them.

In the original design and through plant modifications, microprocessor based components were installed in plant monitoring applications such as the radiation monitoring equipment and the plant information computer. Similarly, in the area of non-plant operation computers and applications, WCNOC has several items which will require remediation. There is a possibility that these devices could cause a Year 2000 problem. Failure to adequately remediate any Year 2000 problems could require the plant's operations be limited or shutdown.

WCNOC estimates that the most reasonably likely worst case scenario would be a temporary plant shutdown due to external electrical grid disturbances. While these disturbances may result in a temporary shutdown, the safety of the plant will not be compromised and the unit should restart shortly after the grid disturbance has been corrected.

The table below sets forth estimates of the status of the components of WCNOC's Year 2000 readiness program at December 31, 1998.

Estimated Completion Percentage Phase Date Completion Identification and assessment of plant components Mar 99 89% Identification and assessment of computers/software (Note 1) Jun 99 64% Identification and Assessment of Other Areas (Note 2) Jun 99 47% Identified remediations complete (Note 3) Sep 99 31% Comprehensive testing guidelines 100% Comprehensive testing (Note 4) Jun 99 13% Contingency planning guidelines 100% Contingency planning individual plans Mar 99 15%

Note 1 - Several computers are on three year lease and will not be obtained until 1999. Note 2 - Includes items such as measuring/test and telecommunications equipment. Note 3 - Two major modifications are currently scheduled to be completed after June 1999, the remaining remediations are presently scheduled for completion prior to July 1999. Note 4 - Several tests will not be performed until remediations are complete.

WCNOC has established a goal of completing all assessments of affected systems by the end of the second quarter of 1999, with remediations being completed by the end of the third quarter. Remediations are being planned and initiated as the detailed assessment phase identifies the need, not at the end of the assessment period. The areas where the greatest potential for necessary remediations and/or more complex remediations could result were the first ones targeted for assessment so remediation

planning could be started earlier. Many remediations will be completed before the end of the assessment period. In addition, WCNOC is communicating with others with which its systems interface or on which they rely with respect to those companies' Year 2000 compliance. Letters have been sent to all pertinent vendors to acquire this information.

WCNOC has estimated the costs to complete the Year 2000 project at $4.6 million ($2.1 million, our share). As of December 31, 1998, $1.4 million ($0.6 million, our share) had been spent on the project. A summary of the projected costs to complete and actual costs incurred through December 31, 1998, is as follows:

Projected Actual Costs Costs

(Dollars in Thousands)

Wolf Creek Labor and Expenses. . $ 494 $ 261 Contractor Costs . . . . . . . . 646 493 Remediation Costs. . . . . . . . 3,493 611 Total. . . . . . . . . . . . . $4,633 $1,365

Approximately $3.5 million ($1.6 million, our share) of WCNOC's total Year 2000 cost is associated with remediation. Of these remediation costs, $2.4 million ($1.1 million, our share) are associated with seven major jobs which are in the initial stages. All of these costs are being expensed as they are incurred and are being funded on a daily basis along with our normal costs of operations. In order to minimize the effects of delaying other information technology projects, WCNOC has and will continue to augment staffing during the identification and remediation phases of the project. This staffing, which will include both programmers and technical support personnel, will also be available during the testing and initial operating phases of the various systems.

Monitored Services Operations: Protection One is reviewing its computer programs, computer hardware and embedded systems critical to its businesses and operational needs to identify and correct any components that could be affected by the change of the date to January 1, 2000. Protection One will continue its reviews until January 1, 2000, particularly with respect to the acquisition of businesses that include additional computer systems and equipment. In addition, changes in the date of compliance or preparedness within companies that provide services or equipment to Protection One will require management to continue its evaluations.

Protection One's Year 2000 readiness program addresses:

- Commercial computer software, including mainframe, client/service and desktop software
- Internally developed computer software, including mainframe, client/ server and desktop software
- Computer hardware, including mainframe, client/server and desk top, network, communications, and peripherals
- Devices using embedded computer chips, including controls, sensors, facilities equipment, heating, ventilating and air conditioning equipment
- Relationships with third-party vendors and suppliers

Based on the results of its on-going reviews, Protection One believes that the Year 2000 Issue does not pose material operational problems. However, the most reasonably likely worst case scenario is to be found in the area of external services, specifically firms providing electrical power, heating, ventilating and air conditioning, and local and long distance telecommunications.

While Protection One believes the total collapse of service provided is highly unlikely, one or more of the following scenarios could occur:

- Temporary disruption or unpredictable provision of nationwide long- distance service
- Temporary or unpredictable provision of local telephone service, or
- Temporary interruption or unpredictable provision of electrical power.

To the extent customers did not receive timely and adequate responses to alarms, Protection One would be required to rely on its specific disclaimer, in most of its customers agreements of liability for the acts or omissions of third party agencies. The enforcability of such disclaimers may be subject to judicial scrutiny in jurisdictions in which Protection One operates.

Protection One estimates the total cost to update all critical operating systems for Year 2000 readiness will be approximately $5 million. At December 31, 1998, approximately $1.1 million of these costs had been incurred. The costs of the Year 2000 project and the date on which Protection One plans to complete the Year 2000 modifications, estimated to be during 1999, is based on the best estimates, which were derived utilizing numerous assumptions of future events including the continued availability of certain resources, third party modification plans and other factors. However, there can be no guarantee that these estimates will be achieved and actual results could differ materially from those plans. Specific factors that might cause such material differences include, but are not limited to, the availability and cost of personnel trained in this area, the ability to locate and correct all relevant computer codes, and similar uncertainties.

Market Risk Disclosure

Market Price Risks: We are exposed to market risk, including changes in commodity prices, equity and debt instrument investment prices and interest rates.

Commodity Price Exposure: In our commodity price risk management activities, we engage in both trading and non-trading activities. In these activities, we utilize a variety of financial instruments, including forward contracts involving cash settlements or physical delivery of an energy commodity, options, swaps which require payments (or receipt of payments) from counterparties based on the differential between specified prices for the related commodity, and futures traded on electricity and natural gas.

We are involved in trading activities primarily to minimize risk from market fluctuations, to maintain a market presence and to enhance system reliability. Although we attempt to balance our physical and financial purchase and sale contracts in terms of quantities and contract terms, net open positions can exist or are established due to the origination of new transactions and our assessment of, and response to, changing market conditions. To the extent we have an open position, we are exposed to the risk that fluctuating market prices may adversely impact our financial position or results from operations.

We manage and measure the exposure of our trading portfolio using a variance/covariance value-at-risk (VAR) model, which simulates forward price curves in the energy markets to estimate the size of future potential losses. The quantification of market risk using VAR methodologies provides a consistent measure of risk across diverse energy markets and products. The use of this method requires a number of key assumptions including the selection of a confidence level for losses and the estimated holding period.

We express VAR as a potential dollar loss based on a 95% confidence level using a one-day holding period. As of December 31, 1998, our VAR (unaudited) for our trading activities was approximately $100,000. Our Risk Oversight Committee sets the VAR limit. We employ additional risk control mechanisms such as stress testing, daily loss limits, and commodity position limits.

We have considered a number of risks and costs associated with the future contractual commitments included in our energy portfolio, including credit risks associated with the financial condition of counterparties, product location (basis) differentials and other risks which management policy dictates. The counterparties in our portfolio consist primarily of large energy marketers and major utility companies. The creditworthiness of our counterparties could impact our overall exposure to credit risk, either positively or negatively. However, we maintain credit policies with regard to our counterparties that in our management's view minimize overall credit risk.

We are also exposed to commodity price changes outside of trading activities. We use derivatives for non-trading purposes primarily to reduce exposure relative to the volatility of cash market prices. Given the amount of power purchased for utility operations during 1998, we would have had exposure of approximately $5 million of operating income for a 10% increase in price per MW of electricity. Based upon mmbtu's of natural gas and fuel oil burned during 1998, we had exposure of approximately $4 million of operating income for a 10% change in average price paid per mmbtu. Quantities of natural gas and electricity could vary dramatically year to year based on weather, unit outages and nuclear refueling.

Investment Portfolio: We have approximately $288 million of equity and debt securities as of December 31, 1998. We do not hedge these investments and are exposed to the risk of changing market prices. We classify these securities as "available for sale" for accounting purposes and mark them to market on the balance sheet at the end of each period. However, net income is not affected until the securities are sold. Management estimates that its investments will generally be consistent with trends and movements of the overall stock market barring any unusual situations. An immediate 10% change in the market price of our equity securities would have a $13 million effect on other comprehensive income. The value of the debt securities in our portfolio changes inversely with fluctuations in interest rates.

Interest Rate Exposure: We have approximately $602 million of variable rate debt, including current maturities of fixed rate debt, as of December 31, 1998. A 100 basis point change in each debt series benchmark rate would impact net income on an annual basis by approximately $5 million.

Merger Agreement with Kansas City Power & Light Company

On February 7, 1997, we signed a merger agreement with KCPL by which KCPL would be merged with and into the company in exchange for company stock. In December 1997, representatives of our financial advisor indicated that they believed it was unlikely that they would be in a position to issue a fairness opinion required for the merger on the basis of the previously announced terms.

On March 18, 1998, we and KCPL agreed to a restructuring of our February 7, 1997, merger agreement which will result in the formation of Westar Energy, a new electric company. Under the terms of the merger agreement, our electric utility operations will be transferred to KGE, and KCPL and KGE will be merged into NKC, Inc., a subsidiary of the company. NKC, Inc. will be renamed Westar Energy. In addition, under the terms of the merger agreement, KCPL shareholders will receive company common stock which is subject to a collar mechanism of not less than .449 nor greater than .722, provided the amount of company common stock received may not exceed $30.00, and one share of Westar Energy common stock per KCPL share. The Western Resources Index Price is the 20 day average of the high and low sale prices for company common stock on the New York Stock Exchange ending ten days prior to closing. If the Western Resources Index Price is less than or equal to $29.78 on the fifth day prior to the effective date of the combination, either party may terminate the agreement. Upon consummation of the combination, we will own approximately 80.1% of the outstanding equity of Westar Energy and KCPL shareholders will own approximately 19.9%. As part of the combination, Westar Energy will assume all of the electric utility related assets and liabilities of Western Resources, KCPL and KGE.

Westar Energy will assume $2.7 billion in debt, consisting of $1.9 billion of indebtedness for borrowed money of Western Resources and KGE, and $800 million of debt of KCPL. Long-term debt of the company, excluding Protection One, was $2.5 billion at December 31,1998. Under the terms of the merger agreement, it is intended that we will be released from our obligations with respect to our debt to be assumed by Westar Energy.

Pursuant to the merger agreement, we have agreed, among other things, to call for redemption all outstanding shares of our 4 1/2% Series Preferred Stock, par value $100 per share, 4 1/4% Series Preferred Stock, par value $100 per share, and 5% Series Preferred Stock, par value $100 per share.

Consummation of the merger is subject to customary conditions. On July 30, 1998, our shareholders and the shareholders of KCPL voted to approve the amended merger agreement at special meetings of shareholders. We estimate the transaction to close in 1999, subject to receipt of all necessary approvals from regulatory and government agencies.

In testimony filed in February 1999, the KCC staff recommended the merger be approved but with conditions which we believe would make the merger uneconomical. The merger agreement allows us to terminate the agreement if regulatory approvals are not acceptable. The KCC is under no obligation to accept the KCC staff recommendation. In addition, legislation has been proposed in Kansas that could impact the transaction. We do not anticipate the proposed legislation to pass in its current form. We are not able to predict whether any of these initiatives will be adopted or their impact on the transaction, which could be material.

On August 7, 1998, we and KCPL filed an amended application with the FERC to approve the Western Resources/KCPL merger and the formation of Westar Energy.

We have received procedural schedule orders in Kansas and Missouri. These schedules indicate hearing dates beginning May 3, 1999, in Kansas and July 26, 1999, in Missouri.

In February 1999, KCPL advised us that its Hawthorne generating station (479 MW coal facility) suffered material damage to its boiler which could prevent the unit's operation for an extended period. We are not able to ascertain at this time the impact of this matter on the merger.

KCPL is a public utility company engaged in the generation, transmission, distribution, and sale of electricity to customers in western Missouri and eastern Kansas. We, KCPL and KGE have joint interests in certain electric generating assets, including Wolf Creek. For additional information, see Note 21. Following the closing of the combination, Westar Energy is expected to have approximately one million electric utility customers in Kansas and Missouri, approximately $8.2 billion in assets and the ability to generate almost 8,800 megawatts of electricity.

At December 31, 1998, we had deferred approximately $14 million related to the KCPL transaction. These costs will be included in the determination of total consideration upon consummation of the transaction.

Affordable Housing Tax Credit Program

In 1997, we received authorization from the KCC to invest up to $114 million in AHTC investments. An example of an AHTC project is housing for residents who are elderly or meet certain income requirements. At December 31, 1998, we had invested approximately $65 million to purchase limited partnership interests. We are committed to investing approximately $25 million more in AHTC investments by April 1, 2001. These investments are accounted for using the equity method of accounting. Based upon an order received from the KCC, income generated from the AHTC investments, primarily tax credits, will be used to offset costs associated with postretirement and postemployment benefits offered to our employees.

Pronouncements Issued but Not Yet Effective

In June 1998, the Financial Accounting Standards Board issued Statement of Financial Accounting Standards No. 133, "Accounting for Derivative Instruments and Hedging Activities" (SFAS 133). This statement establishes accounting and reporting standards requiring that every derivative instrument, including certain derivative instruments embedded in other contracts, be recorded in the balance sheet as either an asset or liability measured at its fair value. SFAS 133 requires that changes in the derivative's fair value be recognized currently in earnings unless specific hedge accounting criteria are met. Special accounting for qualifying hedges allows a derivative's gains and losses to offset related results on the hedged item in the income statement, and requires that a company must formally document, designate and assess the effectiveness of transactions that receive hedge accounting. SFAS 133 is effective for fiscal years beginning after June 15, 1999. SFAS 133 cannot be applied retroactively. SFAS 133 must be applied to (a) derivative instruments and (b) certain derivative instruments embedded in hybrid contracts that were issued, acquired, or substantively modified after December 31, 1997, and, at the company's election, before January 1, 1998. The company will adopt SFAS 133 no later than January 1, 2000.

Management is presently evaluating the impact that adoption of SFAS 133 will have on the company's financial position and results of operations. Adoption of SFAS 133, however, could increase volatility in earnings and other comprehensive income.

In December 1998, the Emerging Issues Task Force reached consensus on Issue No. 98-10, "Accounting for Contracts Involved in Energy Trading and Risk Management Activities" (EITF Issue 98-10). EITF Issue 98-10 is effective for fiscal years beginning after December 15, 1998. EITF Issue 98-10 requires energy trading contracts to be recorded at fair value on the balance sheet, with the changes in the fair value included in earnings. The company will adopt EITF Issue 98-10 during 1999. Management does not expect the impact of adopting EITF Issue 98-10 to be material to the company's financial position or results of operations.

Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Information relating to market risk disclosure is set forth in Other Information of Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations included herein.