Item 7. Management's Discussion and Analysis of Financial Condition and Results
of Operations
The "Management's Discussion and Analysis" Section which is set forth on pages F-55 through F-100 and the "Summary of Quarterly Financial Data (Unaudited)" Section which is set forth on page F-101 of the Financial Appendix include the information encompassed by "Management's Discussion and Analysis of Financial Condition and Results of Operations" and are incorporated in this document by reference.
Item 7A. Quantitative and Qualitative Disclosures About Market Risk See "Market Risk and Interest Rate Sensitivity" and "Derivative Instruments for Interest Rate Risk Management" under the "Management's Discussion and Analysis" Section which are set forth on pages F-90 through F-92 and Note 16 of Notes to Consolidated Financial Statements on pages F-26 through F-30 of the Financial Appendix which are incorporated in this document by reference. Item 8. Financial Statements and Supplementary Data The "Summary of Quarterly Financial Data" Section which is set forth on page F-101 and the "Consolidated Balance Sheets, Consolidated Statements of Income, Consolidated Statements of Changes in Shareholders' Equity and Comprehensive Income, Consolidated Statements of Cash Flows, Notes to Consolidated Financial Statements, Report of Independent Registered Public Accounting Firm (on consolidated financial statements), Management's Report on Internal Control Over Financial Reporting and Report of Independent Registered Public Accounting Firm (on the effectiveness of internal control over financial reporting)" Sections which are set forth on pages F-2 through F-53 of the Financial Appendix are incorporated in this document by reference.
Item 9. Changes In and Disagreements with Accountants on Accounting and Financial Disclosure

None.