2014 Consolidated Financial Statements

Building our future together

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CONTENTS

MANAGEMENT’S RESPONSIBILITY

AUDITORS’ REPORT

CONSOLIDATED FINANCIAL STATEMENTS

Consolidated Statement of Financial Position

Consolidated Statement of Income

Consolidated Statement of Comprehensive Income

Consolidated Statement of Changes in Members’ Equity

Consolidated Statement of Cash Flows

NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 1

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 0142

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 3

The accompanying notes are an integral part of these financial statements

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 0144

The accompanying notes are an integral part of these financial statements

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 5

The accompanying notes are an integral part of these financial statements

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 0146

The accompanying notes are an integral part of these financial statements

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 7

The accompanying notes are an integral part of these financial statements

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 0148

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 9

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01410

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 11

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01412

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 13

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01414

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 15

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01416

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 17

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01418

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 19

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01420

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 21

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01422

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 23

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01424

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 25

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01426

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 27

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01428

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 29

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01430

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 31

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01432

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 33

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01434

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 35

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01436

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 37

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01438

A n n u a l R e p o r t 2 014 • C O R N E R S T O N E C R E D I T U N I O N 39

C O R N E R S T O N E C R E D I T U N I O N • A n n u a l R e p o r t 2 01440

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