Table of Contents I 94

Consolidated Annual Report 2018

Organisational Structure	3
Our Leaders	4
BPWCCUL Board of Directors	4
BPW Financial Holdings Inc.	5
Capita Financial Services Inc.	6
Capita Insurance Brokers Inc.	7
Consolidated Financial Highlights	8
Management Discussion and Analysis	10
Independent Auditors' Report	16
Consolidated Financial Statements	20

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