Group Vision Statement . . . . . . . . . . . . . . . . 2 Group Values . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Training and Development . . . . . . . . . . . . . . 3 Our Leaders Board of Directors . . . . . . . . . . . . . . . . . . . . . . 4 Management Team . . . . . . . . . . . . . . . . . . . . . 5 Financial Highlights . . . . . . . . . . . . . . . . . . . . 6 Management Discussion & Analysis . . . . . . 8 Board of Directors’ Report . . . . . . . . . . . . . 16 Independent Auditors’ Report . . . . . . . . . . 32 Financial Statements 36 CONTENTS
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