Consolidated Annual Report 2020

Organisational Structure	4
Our Leaders	5
BPWCCUL Board of Directors	5
BPW Financial Holdings Inc.	6
Capita Financial Services Inc.	7
Capita Insurance Brokers Inc.	8
Consolidated Financial Highlights	9
Management Discussion and Analysis	11
Board of Directors' Report	15
Independent Auditors' Report	19
Consolidated Financial Statements	23

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