At last night’s Board meeting we discussed profitability/dividend strategy in light of decreasing Bank of England base rates and considered the draft out turn for the financial year ended 30 September 2016 ahead of our forthcoming AGM.

The AGM will be held at the Marriot Hotel, Argyll Street, Glasgow on Monday 28 November at 18:30 and your Board of Directors wish to encourage as many of you as possible to attend and participate: after all the essence of a credit union is that it is owned by and governed by its members.

Yours is co-operation

David McRiner, Chair