PERFORMANCE HIGHLIGHTS

• Group revenue up 4.5% to $271,573,000
  
  

• Group Surplus after tax up 9.6% to $16,510,000

• 26.8% return on average Shareholders funds

• Dividend for year up 9.5% to 23 cents per share

• 14 new stores opened groupwide (9 in previous year)

• Good progress being made in Canada