Annual Report & Accounts For the year ended 31 March 2020 Co-operative and Community Benefit Societies No. 27876R 10/11/2020 13:33 16645.02 HS Annual Report 86pp A4 v10.indd 1 16645.02 HS Annual Report 86pp A4 v10.indd 1 10/11/2020 13:33