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Contents

Chapter 1

003 Our Brands
005 Katies
007 Millers
009 City Chic
011 Crossroads
013 Autograph
015 Rivers

Chapter 2

017 Our Year in Brief
019 Our Initiatives
021 Our Improved Services
025 Our Commitment

Chapter 3

035 Chairman’s Report
037 CEO’s Report
039 Board of Directors

Chapter 4

043 Annual Report Highlights
045 Annual Report
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