Group Vision Statement . . . . . . . . . . . . . . . 2 Group Values . . . . . . . . . . . . . . . . . . . . . . . . . 2 Training and Development . . . . . . . . . . . . . 3 Our Leaders Board of Directors . . . . . . . . . . . . . . . . . . . . . 4 Management Team . . . . . . . . . . . . . . . . . . . . 5 Corporate Information . . . . . . . . . . . . . . . . . 6 Financial Highlights . . . . . . . . . . . . . . . . . . . 8 Management Discussion & Analysis . . . . . 10 Board of Directors’ Report . . . . . . . . . . . . 16 Independent Auditors’ Report . . . . . . . . . 28 Financial Statements . . . . . . . . . . . . . . . . . 32 CONTENTS In recognition of the ongoing pandemic and the difficult and changing operating environment we faced, our operating plans reflected a transition from business as usual to one focused on supporting, helping and providing solutions to members affected and displaced by the virus. LOCAL. TRUSTED. Serving our communities ONE opportunity at a time.
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