CONTENTS Chairman's Report - Part 1Part 2 Our 2002 Report Wins Silver Laurel Award Returns Against Objectives Sector Returns vs Manager Objectives Asset Allocation Declared Rates of Return Over 5 Years A Piece of History and Current Commentary | Cheryal Styles | | Thomas Davis | Kathy Whelan Reminisces The Faces Behind the Fund Financial Statements Trustees' Certificate and Trust Deed Amendment Membership Summary Your Plan .... For the Long Term

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