Information Regarding Deferred Compensation Plan Personal Account -- MSD's plan switched over from Mercantile in the 4th quarter of 1999. Vanguard became our new trustee and record keeper in early 2000. If you would like to access your current personal account or get general information about Vanguard's investment options, click on the following web address: http://www.vanguard.com.

* Performance Analysis through December 31, 2002. These reports were received as Adobe Acrobat PDF files from Investment Consultants and are readable as complete documents using Adobe Acrobat Reader.