Option 2—Spreads | Page 3

FY2020 ANNUAL REPORT
Table of Contents
2
4
7
10
15
18
20
25
39
40
79
80
Message to
Shareholders
About
Chapter 1:
Courage
Chapter 2:
Community
Chapter 3:
Creativity
Chapter 4:
Commitment
Chapter 5:
Culture
Management's
Discussion and Analysis
Independent
Auditors’ Report
Consolidated Financial
Statements
Audit Committee Report
Statement of Management
Responsibility