At Mondy night’s Board meeting we determined that the forecasted dividend rate for next quarter would be 0.25% on the Scotwest Saver account. We also noted that November had been the busiest month on record, with more member calls and loan applications than ever before, and we extended our thanks to all the Scotwest staff who did everything possible to maintain our high standards of service during that period.

We currently have two members registered on the directors training academy and we have asked the staff to promote this further in the new year. The training is free and there is no commitment to subsequently serve on the Board so please take a look at

Finally, the Board and staff at Scotwest wish each and every one of our members a peaceful and happy Christmas and New Year.

Yours in co-operation,

David McRiner,