At the last Board meeting of 2022 the latest set of Management Accounts for the credit union were approved, as well the 2 year plan provided by our internal auditors. The Board also agreed that the Dividend Rate for the coming quarter would remain at 0.2%. Reports from our Marketing and Operations teams have revealed that November and December have been extremely busy with both existing Members borrowing from us and new Members coming to us to save or borrow. We are heartened to see that so many people are embracing the services that Scotwest provides. Discussions began on the Strategy Document for Scotwest which will outline our mission and direction for the next five years and we look forward to ongoing discussion on this in the coming months. Finally, I would like to wish all of our Members a Merry Christmas and a happy and prosperous New Year.