<PAGE>

               UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549
                           --------------------------
                                       
                                   FORM 10-Q
                                       
                  QUARTERLY REPORT UNDER SECTION 13 OR 15(d)
                    OF THE SECURITIES EXCHANGE ACT OF 1934
                                       
               FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 1997
                                       
                        COMMISSION FILE NUMBER  0-27490
                                       
                                 ALRENCO, INC.
            (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)
                                       
                                       
                   INDIANA                                35-1480655
    (STATE OR OTHER JURISDICTION OF                    (I.R.S. EMPLOYER
    INCORPORATION OR ORGANIZATION)                    IDENTIFICATION NO.)


                             1736 EAST MAIN STREET
                          NEW ALBANY, INDIANA  47150
                                (812) 949-3370
                                       
                  (ADDRESS, INCLUDING ZIP CODE, AND TELEPHONE
                  NUMBER, INCLUDING AREA CODE OF REGISTRANT'S
                         PRINCIPAL EXECUTIVE OFFICES)
                                       
                                       
                                       
                                     NONE
                    (FORMER NAME, FORMER ADDRESS AND FORMER
                   FISCAL YEAR IF CHANGED SINCE LAST REPORT)
                                       
                                       
                                       
                                       
                                       
INDICATE BY CHECK MARK WHETHER THE REGISTRANT (1) HAS FILED ALL REPORTS 
REQUIRED TO BE FILED BY SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 
1934 DURING THE PRECEDING 12 MONTHS (OR  FOR SUCH SHORTER PERIOD THAT THE 
REGISTRANT WAS REQUIRED TO FILE SUCH REPORTS) , AND (2) HAS BEEN SUBJECT TO 
SUCH FILING REQUIREMENTS FOR THE PAST 90 DAYS.        YES /X/    NO / /

THE NUMBER OF SHARES OUTSTANDING OF THE ISSUER'S COMMON STOCK,  AS OF  THE
CLOSE OF BUSINESS NOVEMBER 1, 1997:  6,095,516


<PAGE>

                                 ALRENCO, INC.
                                       
                                       
                                     INDEX
                                       
                                       
                                       
PART I.   FINANCIAL INFORMATION                                      PAGE NO.


        ITEM 1. FINANCIAL STATEMENTS

        CONDENSED BALANCE SHEETS AS OF SEPTEMBER 30, 1997
         AND DECEMBER 31, 1996.                                         3

        CONDENSED  STATEMENTS OF EARNINGS FOR
         THE NINE MONTHS ENDED SEPTEMBER 30, 1997 AND 1996.             4

        CONDENSED  STATEMENTS OF EARNINGS FOR
         THE QUARTER ENDED SEPTEMBER 30, 1997 AND 1996.                 5

        CONDENSED STATEMENTS OF CASH FLOWS FOR THE NINE
         MONTHS ENDED SEPTEMBER 30, 1997 AND 1996.                      6

         NOTES TO CONDENSED FINANCIAL STATEMENTS                        7


        ITEM 2.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF
                  FINANCIAL CONDITION AND RESULTS OF OPERATIONS         8


PART II.  OTHER INFORMATION

                 ITEM 6.   EXHIBITS AND REPORTS ON FORM 8-K             11


SIGNATURES                                                              11
                                       -2-

<PAGE>
                                       
                                 ALRENCO, INC.
                                Balance sheets
                                       
                                                  September 30,   December 31,
                                                      1997            1996
                                                   (Unaudited)
                                                  -------------   ------------
                   ASSETS

Cash and cash equivalents                          $  4,015,993   $  7,468,539
Rental merchandise, net                              36,886,237     27,932,741
Prepaid expenses and other assets                     2,598,622      1,436,556
Income tax receivable                                         -        323,327
Deferred income taxes                                   378,263        377,839
Property assets, net                                  5,499,528      4,261,951
Loan to stockholder                                      78,654         71,636
Intangible assets, net                               35,429,549     20,323,147
                                                  -------------  -------------
                                                  $  84,886,846  $  62,195,736
                                                  -------------  -------------
                                                  -------------  -------------

      LIABILITIES AND STOCKHOLDERS' EQUITY

Accounts payable - trade                          $   2,581,620  $   2,567,140
Accrued liabilities                                   4,300,770      1,542,056
Taxes other than income                                 264,222        423,274
Debt                                                 15,625,092              -
                                                  -------------  -------------
                                                     22,771,704      4,532,470

Stockholders' equity
  Preferred stock, no par; 1,000,000 shares
  Authorized; none issued or outstanding                      -              -

  Common stock, no par; 20,000,000 shares
  Authorized, 6,095,516 shares issued and
  outstanding at September 30, 1997 and
  6,074,100 shares issued and outstanding at
  December 31, 1996                                  50,887,512     50,707,938

  Unamortized value of stock award                   (1,036,392)    (1,182,138)

  Retained Earnings                                  12,264,022      8,137,466
                                                  -------------  -------------
                                                     62,115,142     57,663,266

                                                  $  84,886,846  $  62,195,736
                                                  -------------  -------------
                                                  -------------  -------------

        The accompanying notes are an integral part of these statements

                                       -3-

<PAGE>


                                 ALRENCO, INC.
                            Statements Of Earnings
                           For the Nine Months Ended
                                  (Unaudited)

                                                       September 30,
                                               ------------------------------
                                                    1997              1996
                                               -------------     -------------

REVENUE
Rentals and fees                              $  74,698,266      $  43,287,272
Sales                                             1,386,874            828,501
Other                                                86,235             55,804
                                              -------------      -------------
         Total Revenue                           76,171,375         44,171,577

OPERATING EXPENSES
Direct store expenses
         Depreciation of rental merchandise      18,065,635         9,611,828
         Cost of sales                            1,074,036           533,109
         Salaries and other expenses             41,489,315        24,237,551
                                               ------------      ------------
                                                 60,628,986        34,382,488

General and administrative expenses               6,298,852         3,903,214
Amortization of intangibles                       2,448,802           613,341
                                               ------------      ------------
          Total operating expenses               69,376,640        38,899,043

          Operating profit                        6,794,735         5,272,534

Gain on sale of assets                              950,366                 -
Interest income                                       1,366             6,118
Interest expense                                  (844,581)         (615,204)
                                               ------------      ------------
Earnings before income taxes                      6,901,886         4,663,448

Income tax expense                                2,775,330         1,913,774
                                               ------------      ------------
          NET EARNINGS                         $  4,126,556      $  2,749,674
                                               ------------      ------------
                                               ------------      ------------
Weighted average shares outstanding               6,082,205         4,365,814

Earnings per common share                      $       0.68      $       0.63
                                               ------------      ------------
                                               ------------      ------------

        The accompanying notes are an integral part of these statements

                                      -4-

<PAGE>


                                 ALRENCO, INC.
                            Statements Of Earnings
                             For the Quarter Ended
                                  (Unaudited)

                                                    September 30,
                                             ---------------------------------
                                                  1997               1996
                                             -------------       -------------
REVENUE                                  
Rentals and fees                             $  25,391,843       $  16,851,084
Sales                                              429,350             296,543
Other                                               35,064              19,974
                                             -------------       -------------
         Total Revenue                          25,856,257          17,167,601

OPERATING EXPENSES
Direct store expenses
         Depreciation of rental merchandise       6,262,780           3,675,570
         Cost of sales                              333,323             196,967
         Salaries and other expenses             14,939,377           9,412,684
                                              -------------       -------------
                                                 21,535,480          13,285,221

General and administrative expenses               1,725,414           1,455,664
Amortization of intangibles                         881,674             226,273
                                              -------------       -------------
         Total operating expenses                24,142,568          14,967,158
                                              -------------       -------------
         Operating profit                         1,713,689           2,200,443

Gain on sale of assets                              950,366                   -
Interest income                                         471                  10
Interest expense                                  (340,301)           (324,326)
                                              -------------        ------------
Earnings before income taxes                      2,324,225           1,876,127

Income tax expense                                  923,840             769,228
                                              -------------        ------------
           NET EARNINGS                        $  1,400,385        $  1,106,899
                                              -------------        ------------
                                              -------------        ------------
Weighted average shares outstanding               6,094,011           4,672,147

Earnings per common share                      $       0.23        $       0.24
                                              -------------        ------------
                                              -------------        ------------

        The accompanying notes are an integral part of these statements

                                      -5- 
                                       
<PAGE>
                                       
                           Statements of Cash Flows
                           For the Nine Months Ended
                                  (Unaudited)

<TABLE>
<CAPTION>
                                                                 September 30,
                                                         --------------------------
                                                            1997           1996
                                                         ------------  ------------
<S>                                                      <C>           <C>
Cash flows from operating activities                  
  Net earnings                                           $  4,126,556  $  2,749,674
      Adjustments to reconcile net earnings to        
         Net cash provided by operating activities    
             Depreciation of rental merchandise            18,065,635     9,611,828
             Depreciation of property assets                  703,563       524,273
             Amortization of intangibles                    2,448,804       613,341
             Amortization of stock awards                     145,746       107,006
             Gain on sale of assets                          (950,366)            -
      Changes in operating assets and liabilities     
         Net of effects of acquisitions and sales     
             Rental merchandise                           (21,590,742)  (15,327,389)
             Prepaid expenses and other                      (846,083)    1,244,527
             Accounts payable-trade                            14,480     3,317,100
             Accrued liabilities                            2,324,682    (1,215,636)
             Income taxes payable                             204,296       453,905
             Taxes other than income                           70,684        25,688
                  Net cash provided by (used in)       --------------  ------------
                       operating activities                 4,717,255      (384,737)
                                                      
Cash flows from investing activities                  
   Purchases of property assets                            (1,621,705)   (1,314,036)
   Increase in loan to shareholder                             (7,018)       (7,252)
   Sale of assets                                           3,031,691             -
   Acquisitions of businesses                             (25,377,435)  (22,195,241)
                 Net cash used in                      --------------  ------------
                      investing activities                (23,974,467)  (23,516,529)
                                                      
Cash flows from financing activities                  
   Proceeds from public offerings - net                             -    48,058,013
   Proceeds from exercise of stock options                    179,574             -
   Increase (decrease) in line of credit                   15,625,092   (12,865,239)
                Net cash provided by                   --------------  ------------
                     financing activities                  15,804,666     5,192,774
                                                      
          NET INCREASE (DECREASE) IN CASH             
              AND CASH EQUIVALENTS                         (3,452,546)   11,291,508
                                                      
Cash and cash equivalents at beginning of year              7,468,539        27,041
                                                       --------------  ------------
Cash and cash equivalents at end of period             $    4,015,993  $ 11,318,549
                                                       --------------  ------------
                                                       --------------  ------------
Supplemental cash flow information                    
       Cash paid during the period for                
            Interest                                   $      846,018  $     620,734
            Income taxes                               $    2,309,980  $   1,744,164


</TABLE>

          The accompanying notes are an integral part of these statements

                                      -6-
<PAGE>

                                 ALRENCO, INC.
                    Notes to Condensed Financial Statements
                                       
1.   BASIS OF PRESENTATION.  The accompanying condensed financial statements 
of Alrenco, Inc. (the Company) have been prepared in accordance with 
generally accepted accounting principles for interim financial information 
and with the instructions to Rule 10-01 of Regulation S-X.  Accordingly, they 
do not include all of the information and footnotes required by generally 
accepted accounting principles for complete financial statements.  In the 
opinion of the Company, the accompanying unaudited condensed financial   
statements contain all adjustments (consisting of only normal recurring 
accruals) necessary to present fairly the financial position of the company 
as of September 30, 1997, the results of operations for the three and nine 
month periods ended September 30, 1997 and 1996,  and the statements of cash 
flows for the nine month periods ended September 30, 1997 and 1996.  The 
results of operations for the periods ended September 30, 1997 are not 
necessarily indicative of the operating results for the full year.  These 
interim financial statements should be read in conjunction with the Form 10-K 
for the year ended December 31, 1996, including the financial statements and 
notes contained therein, filed with the Securities and Exchange Commission.

2. DEBT AGREEMENTS.  On July 31, 1997, the Company entered into a formal 
agreement with a bank for a $30,000,000  line of credit facility.  This 
agreement replaces a similar, smaller facility with another bank.  The 
agreement carries a three-year term with interest rates of prime minus 1/2%. 
Under the terms of the agreement,  the Company is required to pay 1/8 of 1% 
per annum on the unused portion of the facility.  As of October 31, 1997 the 
Company owed $15.0 million under the agreement.

3.  ACQUISITION ACTIVITY.  The company purchased 28 rental-purchase stores 
from a company doing business as Fastway Rentals on January 2, 1997 for cash 
of approximately $11.9 million.  On February 28, 1997, the Company acquired 9 
stores from a company doing business as Powerhouse Rentals for cash of 
approximately $6.5 million. During the nine month period ended September 30, 
1997, the Company also acquired 16 rental-purchase stores and 13 rental 
portfolios in 16 unrelated transactions for an aggregate purchase price of 
$7.0 million.  During 1996, the Company purchased 76 rental-purchase stores 
in 22 separate transactions for an aggregate purchase price of $25.0 million. 
All of the acquisitions have been accounted for as purchases and accordingly 
the operating results of the acquired stores have been included in the 
operating results of the company since their acquisition dates.

The following summary, prepared on a pro-forma basis, combines the results of 
operations as if the stores had been acquired at the beginning of each of the 
periods presented after including the effect of adjustments for amortization 
of intangibles and interest expense on acquisition debt.  Weighted average 
share outstanding calculations have been adjusted to reflect the impact of 
public stock offerings.

<TABLE>
<CAPTION>

                                     Nine Months Ended                Three Months Ended
                               ---------------------------------------------------------------
                                 09/30/97           09/30/96        09/30/97         09/30/96
                                 --------           --------        --------         ---------
   <S>                         <C>               <C>             <C>               <C>
   Revenue                     $ 80,187,102      $ 76,831,936    $ 26,274,116      $ 25,962,134
   Net Earnings                $  4,151,951      $  3,565,845    $  1,401,902      $  1,274,465
   Earnings per common share   $       0.68      $       0.82    $       0.23      $       0.27

</TABLE>

4. GAIN ON SALE OF ASSETS.  In August 1997, the Company sold eight marginally 
performing stores, in two separate transactions, for an aggregate price of 
$3.5 million cash.  Net gain on these transactions was $950,400.

5.  PENDING MERGER.  On September 29, 1997 the Company and RTO, Inc. 
announced the signing of a definitive merger agreement.  Under the terms of 
the agreement, RTO shareholders  will receive approximately 10.9 million 
shares of Alrenco's common stock in exchange for all of the outstanding 
common stock of RTO, Inc.  The merger agreement is subject to customary 
consents and approvals, including approval by shareholders of Alrenco and 
RTO.  Closing of the merger is expected in the first quarter of 1998.

                                     -7-

<PAGE>

6.  NEW ACCOUNTING PRONOUNCEMENT.  The FASB has issued Statement of Financial 
Accounting Standards No. 128, EARNINGS PER SHARE, which is effective for 
financial statements issued after December 15, 1997.  Early adoption of the 
new standard is not permitted.  The new standard eliminates primary and fully 
diluted earnings per share together with disclosure of how the per share 
amounts were computed.  Basic earnings per share excludes dilution and is 
computed by dividing income available to common shareholders by the 
weighted-average common shares outstanding for the period.  Diluted earnings 
per share reflects the potential dilution that could occur if securities or 
other contracts to issue common stock were exercised and converted into 
common stock or resulted in the issuance of common stock that then shared in 
the earnings of the entity.  The adoption of this new pronouncement will not 
have a material impact on the disclosure of earnings per share in the 
financial statements.

                                 ALRENCO, INC.
                                       
                    Management's Discussion and Analysis of
                 Financial Condition and Results of Operations
                                       


GENERAL

In the nine months ended September 30, 1997, the Company acquired 53 
rental-purchase stores in 8 separate transactions. The financial results for 
the nine months since the date of each acquisition  includes additional 
revenue of $9.3 million and additional operating profit of $2.4 million from 
these acquisitions.  In addition, during the nine month period ended 
September 30, 1997 the Company acquired 13 rental account portfolios which 
were merged into existing stores.

PENDING MERGER

On September 29, 1997 the Company and RTO, Inc. announced the signing of a 
definitive merger agreement.  Under the terms of the agreement, RTO 
shareholders  will receive approximately 10.9 million shares of Alrenco's 
common stock in exchange for all of the outstanding common stock of RTO, Inc. 
The merger agreement is subject to customary consents and approvals, 
including approval by shareholders of Alrenco and RTO.  Closing of the merger 
is expected in the first quarter of 1998.

RESULTS OF OPERATIONS

               REVENUE.  Revenue increased $8.7 million or 50.6% to $25.9 
million for the quarter ended September 30, 1997 from $17.2 million in the 
comparable quarter in 1996.  Revenue growth from same store operations 
accounted for $625,100, or 7.2% of the increase for the quarter, and revenue 
growth from stores acquired subsequent to June 30, 1996 accounted for $8.1 
million or 92.8% of the increase. For the nine months ended September 30, 
1997, revenue increased $32.0 million or 72.4% to $76.2 million from $44.2 
million for the comparable period in 1996. Revenue growth from same store 
operations accounted for $581,300, or 1.8% of the increase for the nine 
months, and revenue growth from stores acquired subsequent to December 31, 
1996 accounted for $31.4 million or 98.2% of the increase.   Management 
believes that the increase in revenue for the period was primarily 
attributable to the addition of revenue from the stores acquired during 1996 
and 1997.

                                     -8-

<PAGE>

                DEPRECIATION OF RENTAL MERCHANDISE.  Depreciation of rental 
merchandise increased  $2.6 million or 70.4% to $6.3 million for the quarter 
ended September 30, 1997 from $3.7 million in the comparable quarter in 1996. 
As a percentage of revenue, depreciation of rental merchandise increased to 
24.2% for the three months ended September 30, 1997 from  21.4%  for the 
comparable period in 1996, primarily as a result of discounted terms on 
second and third quarter rentals.  For the nine months ended September 30, 
1997, depreciation of rental merchandise increased  $8.5 million or 88.0% to 
$18.1 million from $9.6 million in the comparable period in 1996.   As a 
percentage of revenue, depreciation of rental merchandise increased to 23.7% 
for the nine months ended September 30, 1997 from  21.8%  for the comparable 
period in 1996, primarily as a result of discounted terms on second and third 
quarter rentals.

     OTHER DIRECT STORE EXPENSES.  Other direct store expenses increased $5.7 
million or 58.9% to $15.3 million for the quarter ended September 30, 1997 
from $9.6 million for the same period in 1996.  As a percentage of revenue, 
other direct store expenses increased to 59.1% for the three months ended 
September 30, 1997 from  56.0%  for the comparable period in 1996.  For the 
nine months ended September 30, 1997, other direct store expenses increased  
$17.8 million or 71.8% to $42.6 million from $24.8 million in the comparable 
period in 1996. As a percentage of revenue, other direct store expenses 
decreased to 55.9% for the nine months ended September 30, 1997 from  56.1%  
for the comparable period in 1996. These percentage decreases were primarily 
attributable to the additional volume being generated by the stores acquired 
in 1996 and 1997.

     GENERAL AND ADMINISTRATIVE EXPENSES.  General and administrative 
expenses increased  $270,000 or 18.5% to $1.7 million for the quarter ended 
September 30, 1997 from $1.5 million in the comparable quarter.  As a 
percentage of revenue, general and administrative expenses decreased to 6.7% 
for the three months ended September 30, 1997 from 8.5% for the 1996 
comparable period, primarily as a result of  vendors participation fees 
received for exhibits at the annual meeting.  For the nine months ended 
September 30, 1997, general and administrative expenses increased  $2.4 
million or 61.4% to $6.3 million from $3.9 million in the comparable period.  
As a percentage of revenue, general and administrative expenses decreased to 
8.3% for the nine months ended September 30, 1997 from 8.8% for the 
comparable period in 1996.

     AMORTIZATION OF INTANGIBLES.  Amortization of intangibles increased 
$655,400 or 289.7% to $881,700 for the quarter ended September 30, 1997 from 
$226,300 for the 1996 comparable period.  For the nine months ended September 
30, 1997, amortization of intangibles increased $1.8 million or 299.3% to 
$2.4 million primarily as a result of intangible assets created by the 1996 
and 1997 acquisitions.  A portion of intangibles is amortized over a 15 month 
period from date of acquisition.  As intangibles created by the 1996 and 1997 
acquisitions become fully amortized, amortization expense for these 
acquisitions will correspondingly decrease.

     GAIN ON SALE OF ASSETS.  In August 1997, the Company sold eight 
marginally performing stores, in two separate transactions, for an aggregate 
price of $3.5 million cash.  Net gain on these transactions was $950,400.

     NET EARNINGS.  Net earnings increased $293,500 or 26.5% to $1.4 million 
for the quarter from $1.1 million for the comparable quarter in 1996.  The 
increase in net earnings for the quarter over the comparable period in 1996 
was primarily due to gain recognized on sale of assets.  As a percentage of 
revenue, net earnings decreased to 5.4% for the quarter ended September 30, 
1997 from 6.4% for the comparable period in 1996.  For the nine months ended 
September 30, 1997, net earnings increased $1.4 million or 50.1% to $4.1 
million from $2.7 million in 1996.  As a percentage of revenue, net earnings 
decreased to 5.4% for the nine month period ended September 30, 1997 from 
6.2% for the comparable period in 1996. These percentage decreases are 
primarily attributable to higher amortization of intangibles.

                                     -9-

<PAGE>

LIQUIDITY AND CAPITAL RESOURCES

     The Company's primary requirements for capital, other than those related 
to acquisitions, consist of purchasing additional rental merchandise and 
replacing rental merchandise which has been sold or is no longer suitable for 
rent.  During the nine months ended September 30, 1997 and 1996, the Company 
purchased rental merchandise for aggregate amounts of approximately $21.6 
million and $15.3 million respectively.  In addition, during the nine months 
ended September 30, 1997, the Company has acquired 53 stores and 13 rental 
account portfolios for an aggregate purchase price of $25.4 million  cash and 
sold 8 stores for $3.5 million cash.

For the nine months ended September 30, 1997, net cash provided by operating 
activities increased $5.1 million to $4.7 million from $384,700  used in the 
prior year primarily due to the additional cash generated from the operations 
of the stores acquired in the 1995 and 1996 acquisitions partially offset by 
increased purchases of rental merchandise for stores acquired in the 1996 and 
1997 acquisitions.

The Company has a debt facility with a bank which provides for a maximum debt 
level of $30.0 million and carries a three-year term with interest rates of 
prime rate minus 1/2%.  Under the terms of the agreement,  the Company is 
required to pay  1/8 of 1% per annum on the unused portion of the facility.  
As of October 31, 1997 the Company had $15.0 million in outstanding loans 
under the agreement.

RECENT ACCOUNTING PRONOUNCEMENTS

     The FASB has issued Statement of Financial Accounting Standards No. 128, 
EARNINGS PER SHARE, which is effective for financial statements issued after 
December 15, 1997.  Early adoption of the new standard is not permitted.  The 
new standard eliminates primary and fully diluted earnings per share together 
with disclosure of how the per share amounts were computed.  Basic earnings 
per share excludes dilution and is computed by dividing income available to 
common shareholders by the weighted-average common shares outstanding for the 
period. Diluted earnings per share reflects the potential dilution that could 
occur if securities or other contracts to issue common stock were exercised 
and converted into common stock or resulted in the issuance of common stock 
that then shared in the earnings of the entity.  The adoption of this new 
pronouncement will not have a material impact on the disclosure of earnings 
per share in the financial statements.

                                    -10-

<PAGE>



                                 ALRENCO, INC.
                                       
                          PART II.  OTHER INFORMATION
                                       
                                       


ITEM 6. EXHIBITS AND REPORTS ON FORM 8-K

     (a) The following exhibit is filed as part of this report:

          27 - Financial Data Schedule

     (b)  On August 8, 1997, the registrant filed a current report on form 8-K
          to disclose the execution of a new bank credit agreement.  A copy of 
          the loan agreement was filed as an exhibit to the form 8-K.







                                   SIGNATURES
                                       
     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereto duly authorized.



Date:  November 14, 1997
                                  ALRENCO, INC.
                                 --------------
                                  (REGISTRANT)
                                       
                                       
                                       
                                   /s/ Theodore H. Wilson
                                 ---------------------------------------------
                                 Theodore H. Wilson, Executive Vice President 
                                  and Chief Financial Officer

                                    -11-