Item 7 -- Management's Discussion and Analysis of Financial Condition and Results of Operations

Information relating to this item appears under the caption "Management's Discussion and Analysis of Financial Condition and Results of Operations" on page 14 through 22 of the Annual Report, and such information is incorporated herein by reference in accordance with General Instruction G(2) of Form 10-K. This information should be read in conjunction with the Company's Consolidated Financial Statements and the Notes thereto.