Financial Contents

Management's Discussion and Analysis of Financial Condition and Results of    
   Operations

Selected Financial Data – Five-Year Review

Consolidated Balance Sheets

Consolidated Statements of Earnings

Consolidated Statements of Stockholders' Equity

Consolidated Statements of Cash Flows

Notes to Consolidated Financial Statements

Report of Independent Registered Public Accounting Firm

Report of Management on Internal Control Over Financial Reporting

Guide to Select Disclosures

For easy reference, areas that may be of interest to investors are highlighted in the index below.

Acquisitions

Note 5 includes a discussion of the PT HM Sampoerna Tbk acquisition

Benefit Plans

Note 16 includes a discussion of pension plans

Contingencies

Note 19 includes a discussion of litigation

Finance Assets, net

Note 8 includes a discussion of leasing activities

Segment Reporting

Note 15

Stock Plans

Note 12 includes a discussion of stock compensation