At last week’s meeting of the Board, our monthly Accounts and Loan Book report were discussed and approved along with reports relating to arrears and defaulted loan accounts. A series of internal policies including Equal Opportunities, Bullying and Harassment and Financial Risk Management were reviewed and approved along with the quarterly report from our Compliance Officer. The Board discussed the ongoing impact the cost of living crisis is having on our Members and how many of them are turning to their credit union for help. We will continue to monitor this and ensure that we are offering the best services for them during this difficult time. Finally, we were pleased to finalise our Strategic Business Plan which details the way forward for Scotwest in the next five years and look forward to working on this to continue to build the provision of fair financial services within our common bond.