Summary of 2003 Incentive Compensation Plan

At the end of 2002, the Human Resources Committee of the Board of Directors
adopted the Year 2003 Incentive Compensation Plan (the "Plan"). The Plan
established target award opportunities ranging from 23% of base salary for key
employees to 80% of base salary for the Chief Executive Officer. The bonuses
were earned based on the achievement of certain financial targets, which are
established based on the individual participant's position. For the Chief
Executive Officer, the Chief Operating Officer and the Executive President the
bonus awards for 100% of targeted performance were set at 80%, 65% and 60%,
respectively, of their base salaries. For the Senior Vice Presidents and the
General Counsel the bonus awards for 100% of targeted performance were set at
55% and 43%, respectively, of their base salaries. Messrs. Miles, Kunkle,
Whiting, Clark, Jellison, Lehner, Mosch, Roos, Weston, Wise and Addison received
bonus awards for 2003 of 81.9%, 66.6%, 57.8%, 56.3%, 53.2%, 71.8%, 51.8%, 14.1%,
71.8%, 56.3% and 44.0%, respectively.