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;Forward-Looking Statements;Today’s Remarks;Operational Progress in 2009;The Network;Acquisitions: Bakes-Jarvie H.E.D. – Association/Group Insurance Solutions ;Western Life Assurance;Bank West;Business Lines @ Dec. 31/09;Top Achievements in 2009;Top Disappointments in 2009;2009 Financial Review;Total Revenue;Overall;The Network;Bank West;Western Life Assurance;SecuriCan;Corporate All Other;Western Financial GroupHistorical Consolidated ROE;Earnings Per Share;Priorities for 2010;2010 Priorities;Questions