Table of Contents I 82

Consolidated Annual Report 2017

Organisational Structure	3
Our Leaders	4
BPWCCUL Board of Directors	4
BPW Financial Holdings Inc.	5
Capita Financial Services Inc.	5
Capita Insurance Brokers Inc.	6
Executive Management	6
Consolidated Financial Highlights	8
Management Discussion and Analysis	10
Independent Auditors' Report	13
Consolidated Financial Statements	17

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