s(:Is Th*QueensAward forvoluntsryservlce jertIBEforltetrWOUs Dementia Day Clubs 19
H o n o r a r y P r e s i d e n t
Mrs Rebecca Evans, MS
Member of the Senedd for Gower
This will be my last AGM as President of the Forget Me Not Dementia Day Clubs. After fifteen years in the Senedd - first as Assembly Member for Mid and West Wales, and then as Member of the Senedd for Gower - I have taken the decision not to seek re-election next May.
It has been an incredible privilege to do this job, and I have had the honour of serving in the Welsh Government under four First Ministers.
One of the most challenging roles I have held in Government was Minister for Social Services and Public Health. My time as Chair of the Cross Party Groups on Disability; Older People; Autism; and Nursing and Midwifery, gave me a good insight into some of the key issues that I would have to grapple with.
As Minister for Social Services I was really pleased to be able to bring to an end the use of zero hour contracts in the social care sector, and when I became Finance Minister I was able to deliver funding for local authorities to pay our social care workers a Real Living Wage.
In my social services role I was also able to undertake the preparatory work for the Dementia Action Plan for Wales which presented the Welsh Government’s vision for Wales to be a dementia-friendly nation that recognises the rights of people living with dementia. That is still our vision.
A recent review said that the Plan provided a strong impetus for developing services and support, with improvements in
2
multi-disciplinary working, person-centred care, and community-level prevention and awareness-raising activities. It also found that the plan promoted partnership working, co-production, and holistic approaches to patient care, making dementia a strategic priority for health boards and local authorities.
However, the review also found that there is still a lot of work to be done to ensure that people with dementia and their families and loved ones get the support that they need, with issues relating to data collection, diagnosis delays, and inconsistent access to support persisting. Similarly, limited partnership working between health and social care, uncoordinated communication channels, and discrepancies in dementia care responsibilities continue to hinder multi-agency service delivery.
I’m sure those problems will be familiar to many members of our clubs. Work is now underway to develop the successor to the Dementia Action Plan, and I would be really grateful if members of our clubs would let me know what they would like to see in it. Working for people affected by dementia and their families will remain an important part of my work right up until the last moment of my time in post next year. A Ae ee ae
3
111,r Christmas Celebrations Falconry Centre Visit
H o n o r a r y C h a i r m a n
Ms. Lowri Jones
While coming to the end of my first year as Chair it has been a pleasure to attend various Clubs and see the great work our Leaders and Volunteers continue to do within the Forget Me Not community and I know that all are delighted that Hywel and Undeg have continued to attend many of the Clubs.
The seven clubs continue and while numbers can vary we are pleased that we are able to give the welcome to members and their carers along with ex-carers who continue to attend. The Mumbles Club has moved and is now South Gower Club held in Murton and is thriving in terms of the numbers that attend.
We are mindful that when Forget Me Not started there were few groups that are specifically for those with dementia, while different groups have started across the city we are grateful for the support of those who attend and donate and we will continue to raise awareness of our clubs.
With the assistance of the Gower Walking Festival we have had, what was hopefully the first of many, annual Memory Walk to raise awareness of and funds for the charity and we must thank those involved for taking part and the money they raised by sponsorship and collections on the day.
While our dear thanks go to the Leaders and Volunteers we must also thank the Committee who meet to keep things on track and particularly Amelia Michael our Treasurer who has to balance the books to provide the budgets for Clubs to have their activities, entertainment, lunches out throughout the year.
I wish to thank everyone involved with Forget Me Not Dementia Day Clubs for their ongoing support for a wonderful charity.
5
H o n o r a r y T r e a s u r e r
Mrs Amelia Michael
A very big thank you as always to everyone involved with Forget Me Not, particularly for their invaluable voluntary commitment over the past 14 years. Without this voluntary commitment we would, of course, have to employ people to do all the work and that would make a substantial difference to our finances which, I am pleased to report, continue to maintain a steady balance again this year.
Our financial accounts consist of three sections; the main account covering all general spending, a petty cash account for clubs, and savings and investment.
For the year ending March 2025, our opening balance in the main account of £49,148.91 was supplemented by an income of £20,830.76 similar to the previous year, although the donation amounts received from three main sources varied, as is the case most years. Individual donations were higher than the previous year while those received from organisations were lower, with donations received from funerals remaining similar to the previous year. The income from these three sources amounted to £11,948.92. A sponsored event by the Ambulanz Community, when they carried their manager on a chair up to the summit of Pen-Y-Fan, raised £3,192.00. Member contributions towards lunches and trips, together with other small donations amounted to £2,120.84. It was also agreed with the Trustees to transfer the interest of £3,569.00 from the Shawbrook investment bond to the main account to help offset the likely deficit between income and expenditure.
With regard to expenditure, essential costs for rents, printing, insurance, equipment, etc. amounted to £10,421.84, very slightly higher than the previous year, as was expected. The main expenditure of £16,641.64 was for the benefit of all members and
6
included lunches at various restaurants, coach trips to places such as Brecon and Porthcawl, visits to local attractions and annual Christmas dinners and parties; this amount being on a par with previous years. Total expenditure amounted to £27,063.48, giving a deficit between income and expenditure of £6,232.72 and leaving a balance in the main account of £42,916.19 to carry forward to next year.
The seven clubs continue to flourish, although membership of each club varies from time to time. They provide weekly meeting places where people can relax, enjoy the company of others, play games and quizzes, take part in crafts and other activities, have lunches out, etc. and, most importantly, support each other. An opening petty cash balance for all seven clubs of £1,636.06 was supplemented during the year by an income of £6,902.57 through nominal membership fees and small donations. With expenditure of £6,488.60 for provisions, materials, etc., this left a balance of £2,050.03 to be carried forward.
The two savings and investment accounts with Virgin Money and Shawbrook Bank continue to grow steadily, although it has been necessary during the past two years to transfer some of the interest to the main account to partly offset the deficit between income and expenditure. However, the balance in the two accounts at the end of March 2025 amounted to £169,623.50. The three balance figures from the main account, club accounts and savings and investment combine to give a total overall balance of £214,589.72 to carry forward to April 2025, £4,869.82 lower than the previous year.
There have been some deficits between income and expenditure over the last few years and the overall account balance has decreased slightly, and it is possible that this may occur in the future, but it is not a cause for concern as we have ample reserve funds. However, in order to continue providing the same level of service for future years the management committee are looking at various ways of increasing our income to offset any future deficits. We are very fortunate that the Lord Mayor of Swansea chose Forget Me Not as one of his charities for the year 2024/2025 and the benefits gained from this have given us a good start to the current year.
As mentioned in my opening paragraph, we are extremely fortunate that we have so many volunteers willing to give their time to such a worthy cause. We would also like to express our gratitude to all those who support us financially. It is their generosity that enables us to continue providing a service.
7
ANNUAL ACCOUNTS OOQ)r<QOLrin Lrirr tx) ff) (N ¢N Or (L CwaOUiJ OPVOO O*Lnc)o Q iri eg (N Q E E E c c c
ANNUAL ACCOUNTS r O n fl) ¢0 t0a) Ui rri ¢Ji ¢0 cci N ¢Ji (W r O Ln o) f£ (fj LU LU (J i o r
ANNUAL ACCOUNTS O O CO r (P o o) In fOmr¢nOlTr (Yi Lfi rn (N Orin c£ LU a L) (J (J Qppoc 80(oth8rO in In J W tsj tyj E E E uj c c c 8QowJoaL)fn 10
11
V i c e C h a i r m a n
Jackie Rose
Leader - Killay (Wednesday) Club
The Forget Me Not Charity has had another year full of activity and events to support our members and provide a service that has been described by some as a lifeline.
Living with dementia is a challenge, not only for the individual but for the person caring for them and the wider circle of family and friends. We may only see our members for a few hours on a weekly basis but to some it is the highlight of their week, and I am very proud to be part of this support network.
All of the day clubs are supported by a club leader and volunteers who give their time, support, dedication and commitment every week. I cannot express how grateful we are to them. As I have said before they are our greatest asset.
This year we have welcomed our new Chair Lowri Jones who despite her many other commitments has managed to visit all the clubs on several occasions. Lowri also organised the sponsored walk which was a huge success everyone had a great time and we even managed to avoid the rain on the day!!
It is with a heavy heart we say goodbye to Val Streater the club leader at Mumbles, who is finishing at the end of this year. Val has been a fantastic leader at the club and will be sorely missed by all the members there. A big thank you Val for your service to the charity and we wish you good health and happiness going forward.
12
With the support of Elaine James we have up-dated the Charity With the support of Elaine James we have up-dated the Charity Website and we now even have a face-book page. This Website and we now even have a face-book page. This communication to a wider audience will hopefully increase communication to a wider audience will hopefully increase members to some of the clubs who have seen a drop in numbers members to some of the clubs who have seen a drop in numbers this year. this year.
All the clubs continue to enjoy lunches out, various day trips, All the clubs continue to enjoy lunches out, various day trips, entertainers, along with celebrating any occasions for example entertainers, along with celebrating any occasions for example V.E day, with parties at every club. We are very thankful for any V.E day, with parties at every club. We are very thankful for any generosity which enables us to provide these events. generosity which enables us to provide these events.
Dementia affects us all, its complexity poses overwhelming Dementia affects us all, its complexity poses overwhelming challenges to society, but I firmly believe that our small local challenges to society, but | firmly believe that our small local Forget Me Not Charity with all its limitations continues to provide Forget Me Not Charity with all its limitations continues to provide
a valuable service to our communities and we are eternally a valuable service to our communities and we are eternally grateful to everyone who supports us. grateful to everyone who supports us.
13
14
E l e c t e d M e m b e r s & C o - o p t e d M e m b e r s 2025 to 2026
The Management Committee shall consist of the Chairman, Treasurer, Vice Chairman and up to 10 other members.
Honorary Chairman
Ms. Lowri Jones Nominated by Mr. Chris Jones Seconded by Mrs. Elaine James
Honorary Vice Chairman Mrs. Jackie Rose
Nominated by Hywel Powell Seconded by Mr. Chris Jones
Honorary Treasurer
Mrs. Amelia Michael Nominated by Mrs. Jackie Rose Seconded by Ms. Lowri Jones
Honorary Solicitor
Mr. Andrew SIlversten Proposed by Ms. Lowri Jones Seconded by Mrs. Amelia Michael
Independent Examiner Mr. John Fry
Committee
Mrs. Elaine James, Mrs. Sue John, Mr. Chris Jones, Mr. Richard Nedin, Mr. Hywel Powell, Mrs. Christine Pugh, Mrs. Julie Rees, Mrs. Valerie Streater
Co-opted Members
Mrs. Meryl Evans, Mrs. Elaine Rees
Election of committee and co-opted committee proposed by Mr. Hywel Powell. Seconded by Mrs. Jackie Rose.
15
Honorary President Mrs Rebecca Evans, MS
Honorary Vice Presidents Dr. Liz Clarke-Smith, Mrs. Edwina Hart , M BE Dr. Chris Johns, Dr. Dai Lloyd, M S, Dr. Nia Rice, Cllr. Gareth Sullivan, Dr. Don Williams, Prof. Mi chael Williams,
Honorary Solicitor John Morse Solicitors
Clubs and Leaders
Monday Bethany Church Hall, West Cross. 2pm - 4pm Leaders Val Streater Tuesday Murton Community Hall 1.30pm - 3.30pm Leaders Cathy Lewis Tuesday Llangyfelach Parish Church Hall 2pm - 4pm Leaders Elaine Rees Wednesday Siloam Church, Killay 2pm - 4pm Leader Jackie Rose and Sue John Wednesday The New Lodge, Gorseinon 10am - 1pm Leaders Christine Pugh and Meryl Evans Thursday Siloam Church, Killay 10.30am - 12.30pm Leaders Amelia Michael Friday Sketty Community Church, Carnglas Road 1.30pm - 3.30pm Leader Julie Rees
Registered Address: Siloam Baptist Chap el, Killay, Swansea SA2 7SG Registered Charity No. 1143961
Tel No. 01792 448805 Email: contact@ forgetmenotclubs.com
16
s(:Is Th*QueensAward forvoluntsryservlce jertIBEforltetrWOUs Dementia Day Clubs 19
H o n o r a r y P r e s i d e n t
Mrs Rebecca Evans, MS
Member of the Senedd for Gower
This will be my last AGM as President of the Forget Me Not Dementia Day Clubs. After fifteen years in the Senedd - first as Assembly Member for Mid and West Wales, and then as Member of the Senedd for Gower - I have taken the decision not to seek re-election next May.
It has been an incredible privilege to do this job, and I have had the honour of serving in the Welsh Government under four First Ministers.
One of the most challenging roles I have held in Government was Minister for Social Services and Public Health. My time as Chair of the Cross Party Groups on Disability; Older People; Autism; and Nursing and Midwifery, gave me a good insight into some of the key issues that I would have to grapple with.
As Minister for Social Services I was really pleased to be able to bring to an end the use of zero hour contracts in the social care sector, and when I became Finance Minister I was able to deliver funding for local authorities to pay our social care workers a Real Living Wage.
In my social services role I was also able to undertake the preparatory work for the Dementia Action Plan for Wales which presented the Welsh Government’s vision for Wales to be a dementia-friendly nation that recognises the rights of people living with dementia. That is still our vision.
A recent review said that the Plan provided a strong impetus for developing services and support, with improvements in
2
multi-disciplinary working, person-centred care, and community-level prevention and awareness-raising activities. It also found that the plan promoted partnership working, co-production, and holistic approaches to patient care, making dementia a strategic priority for health boards and local authorities.
However, the review also found that there is still a lot of work to be done to ensure that people with dementia and their families and loved ones get the support that they need, with issues relating to data collection, diagnosis delays, and inconsistent access to support persisting. Similarly, limited partnership working between health and social care, uncoordinated communication channels, and discrepancies in dementia care responsibilities continue to hinder multi-agency service delivery.
I’m sure those problems will be familiar to many members of our clubs. Work is now underway to develop the successor to the Dementia Action Plan, and I would be really grateful if members of our clubs would let me know what they would like to see in it. Working for people affected by dementia and their families will remain an important part of my work right up until the last moment of my time in post next year. A Ae ee ae
3
111,r Christmas Celebrations Falconry Centre Visit
H o n o r a r y C h a i r m a n
Ms. Lowri Jones
While coming to the end of my first year as Chair it has been a pleasure to attend various Clubs and see the great work our Leaders and Volunteers continue to do within the Forget Me Not community and I know that all are delighted that Hywel and Undeg have continued to attend many of the Clubs.
The seven clubs continue and while numbers can vary we are pleased that we are able to give the welcome to members and their carers along with ex-carers who continue to attend. The Mumbles Club has moved and is now South Gower Club held in Murton and is thriving in terms of the numbers that attend.
We are mindful that when Forget Me Not started there were few groups that are specifically for those with dementia, while different groups have started across the city we are grateful for the support of those who attend and donate and we will continue to raise awareness of our clubs.
With the assistance of the Gower Walking Festival we have had, what was hopefully the first of many, annual Memory Walk to raise awareness of and funds for the charity and we must thank those involved for taking part and the money they raised by sponsorship and collections on the day.
While our dear thanks go to the Leaders and Volunteers we must also thank the Committee who meet to keep things on track and particularly Amelia Michael our Treasurer who has to balance the books to provide the budgets for Clubs to have their activities, entertainment, lunches out throughout the year.
I wish to thank everyone involved with Forget Me Not Dementia Day Clubs for their ongoing support for a wonderful charity.
5
H o n o r a r y T r e a s u r e r
Mrs Amelia Michael
A very big thank you as always to everyone involved with Forget Me Not, particularly for their invaluable voluntary commitment over the past 14 years. Without this voluntary commitment we would, of course, have to employ people to do all the work and that would make a substantial difference to our finances which, I am pleased to report, continue to maintain a steady balance again this year.
Our financial accounts consist of three sections; the main account covering all general spending, a petty cash account for clubs, and savings and investment.
For the year ending March 2025, our opening balance in the main account of £49,148.91 was supplemented by an income of £20,830.76 similar to the previous year, although the donation amounts received from three main sources varied, as is the case most years. Individual donations were higher than the previous year while those received from organisations were lower, with donations received from funerals remaining similar to the previous year. The income from these three sources amounted to £11,948.92. A sponsored event by the Ambulanz Community, when they carried their manager on a chair up to the summit of Pen-Y-Fan, raised £3,192.00. Member contributions towards lunches and trips, together with other small donations amounted to £2,120.84. It was also agreed with the Trustees to transfer the interest of £3,569.00 from the Shawbrook investment bond to the main account to help offset the likely deficit between income and expenditure.
With regard to expenditure, essential costs for rents, printing, insurance, equipment, etc. amounted to £10,421.84, very slightly higher than the previous year, as was expected. The main expenditure of £16,641.64 was for the benefit of all members and
6
included lunches at various restaurants, coach trips to places such as Brecon and Porthcawl, visits to local attractions and annual Christmas dinners and parties; this amount being on a par with previous years. Total expenditure amounted to £27,063.48, giving a deficit between income and expenditure of £6,232.72 and leaving a balance in the main account of £42,916.19 to carry forward to next year.
The seven clubs continue to flourish, although membership of each club varies from time to time. They provide weekly meeting places where people can relax, enjoy the company of others, play games and quizzes, take part in crafts and other activities, have lunches out, etc. and, most importantly, support each other. An opening petty cash balance for all seven clubs of £1,636.06 was supplemented during the year by an income of £6,902.57 through nominal membership fees and small donations. With expenditure of £6,488.60 for provisions, materials, etc., this left a balance of £2,050.03 to be carried forward.
The two savings and investment accounts with Virgin Money and Shawbrook Bank continue to grow steadily, although it has been necessary during the past two years to transfer some of the interest to the main account to partly offset the deficit between income and expenditure. However, the balance in the two accounts at the end of March 2025 amounted to £169,623.50. The three balance figures from the main account, club accounts and savings and investment combine to give a total overall balance of £214,589.72 to carry forward to April 2025, £4,869.82 lower than the previous year.
There have been some deficits between income and expenditure over the last few years and the overall account balance has decreased slightly, and it is possible that this may occur in the future, but it is not a cause for concern as we have ample reserve funds. However, in order to continue providing the same level of service for future years the management committee are looking at various ways of increasing our income to offset any future deficits. We are very fortunate that the Lord Mayor of Swansea chose Forget Me Not as one of his charities for the year 2024/2025 and the benefits gained from this have given us a good start to the current year.
As mentioned in my opening paragraph, we are extremely fortunate that we have so many volunteers willing to give their time to such a worthy cause. We would also like to express our gratitude to all those who support us financially. It is their generosity that enables us to continue providing a service.
7
ANNUAL ACCOUNTS OOQ)r<QOLrin Lrirr tx) ff) (N ¢N Or (L CwaOUiJ OPVOO O*Lnc)o Q iri eg (N Q E E E c c c
ANNUAL ACCOUNTS r O n fl) ¢0 t0a) Ui rri ¢Ji ¢0 cci N ¢Ji (W r O Ln o) f£ (fj LU LU (J i o r
ANNUAL ACCOUNTS O O CO r (P o o) In fOmr¢nOlTr (Yi Lfi rn (N Orin c£ LU a L) (J (J Qppoc 80(oth8rO in In J W tsj tyj E E E uj c c c 8QowJoaL)fn 10
11
V i c e C h a i r m a n
Jackie Rose
Leader - Killay (Wednesday) Club
The Forget Me Not Charity has had another year full of activity and events to support our members and provide a service that has been described by some as a lifeline.
Living with dementia is a challenge, not only for the individual but for the person caring for them and the wider circle of family and friends. We may only see our members for a few hours on a weekly basis but to some it is the highlight of their week, and I am very proud to be part of this support network.
All of the day clubs are supported by a club leader and volunteers who give their time, support, dedication and commitment every week. I cannot express how grateful we are to them. As I have said before they are our greatest asset.
This year we have welcomed our new Chair Lowri Jones who despite her many other commitments has managed to visit all the clubs on several occasions. Lowri also organised the sponsored walk which was a huge success everyone had a great time and we even managed to avoid the rain on the day!!
It is with a heavy heart we say goodbye to Val Streater the club leader at Mumbles, who is finishing at the end of this year. Val has been a fantastic leader at the club and will be sorely missed by all the members there. A big thank you Val for your service to the charity and we wish you good health and happiness going forward.
12
With the support of Elaine James we have up-dated the Charity With the support of Elaine James we have up-dated the Charity Website and we now even have a face-book page. This Website and we now even have a face-book page. This communication to a wider audience will hopefully increase communication to a wider audience will hopefully increase members to some of the clubs who have seen a drop in numbers members to some of the clubs who have seen a drop in numbers this year. this year.
All the clubs continue to enjoy lunches out, various day trips, All the clubs continue to enjoy lunches out, various day trips, entertainers, along with celebrating any occasions for example entertainers, along with celebrating any occasions for example V.E day, with parties at every club. We are very thankful for any V.E day, with parties at every club. We are very thankful for any generosity which enables us to provide these events. generosity which enables us to provide these events.
Dementia affects us all, its complexity poses overwhelming Dementia affects us all, its complexity poses overwhelming challenges to society, but I firmly believe that our small local challenges to society, but | firmly believe that our small local Forget Me Not Charity with all its limitations continues to provide Forget Me Not Charity with all its limitations continues to provide
a valuable service to our communities and we are eternally a valuable service to our communities and we are eternally grateful to everyone who supports us. grateful to everyone who supports us.
13
14
E l e c t e d M e m b e r s & C o - o p t e d M e m b e r s 2025 to 2026
The Management Committee shall consist of the Chairman, Treasurer, Vice Chairman and up to 10 other members.
Honorary Chairman
Ms. Lowri Jones Nominated by Mr. Chris Jones Seconded by Mrs. Elaine James
Honorary Vice Chairman Mrs. Jackie Rose
Nominated by Hywel Powell Seconded by Mr. Chris Jones
Honorary Treasurer
Mrs. Amelia Michael Nominated by Mrs. Jackie Rose Seconded by Ms. Lowri Jones
Honorary Solicitor
Mr. Andrew SIlversten Proposed by Ms. Lowri Jones Seconded by Mrs. Amelia Michael
Independent Examiner Mr. John Fry
Committee
Mrs. Elaine James, Mrs. Sue John, Mr. Chris Jones, Mr. Richard Nedin, Mr. Hywel Powell, Mrs. Christine Pugh, Mrs. Julie Rees, Mrs. Valerie Streater
Co-opted Members
Mrs. Meryl Evans, Mrs. Elaine Rees
Election of committee and co-opted committee proposed by Mr. Hywel Powell. Seconded by Mrs. Jackie Rose.
15
Honorary President Mrs Rebecca Evans, MS
Honorary Vice Presidents Dr. Liz Clarke-Smith, Mrs. Edwina Hart , M BE Dr. Chris Johns, Dr. Dai Lloyd, M S, Dr. Nia Rice, Cllr. Gareth Sullivan, Dr. Don Williams, Prof. Mi chael Williams,
Honorary Solicitor John Morse Solicitors
Clubs and Leaders
Monday Bethany Church Hall, West Cross. 2pm - 4pm Leaders Val Streater Tuesday Murton Community Hall 1.30pm - 3.30pm Leaders Cathy Lewis Tuesday Llangyfelach Parish Church Hall 2pm - 4pm Leaders Elaine Rees Wednesday Siloam Church, Killay 2pm - 4pm Leader Jackie Rose and Sue John Wednesday The New Lodge, Gorseinon 10am - 1pm Leaders Christine Pugh and Meryl Evans Thursday Siloam Church, Killay 10.30am - 12.30pm Leaders Amelia Michael Friday Sketty Community Church, Carnglas Road 1.30pm - 3.30pm Leader Julie Rees
Registered Address: Siloam Baptist Chap el, Killay, Swansea SA2 7SG Registered Charity No. 1143961
Tel No. 01792 448805 Email: contact@ forgetmenotclubs.com
16
REPORT TO THE TRUSTEES ON THE UNAUDITED FINANCIAL STATEMENTS OF FORGET-ME-NOT DEMENTIA DAY CLUBS Report on the accounts for the year ended 31 St March 2025 Respective responsibilities of Trustees and Examiner The Trustees are responsible for the preparation of the accounts. The Trustees consider that an audit is not required for this year under Section 144 of the Charities Act 2011 and that an independent examination is required. It is my responsibility to examine the accounts under Section 145 of the Charities Act to follow the applicable directions given by the Charity Commissioners under section 145(5)(b) of the Charities Act, and to state whether particular matters have come to my attention, Basis of Independent Examiner's Report My examination was carried out in accordance with the Directions given by the Charity Commission. An examination includes a review of the accounting records kept by the charity and a comparison of the accounts presented with those records. It also includes consideration of any unusual items or disclosures in the accounts and seeking explanation from the trustees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit, and consequently I do not express an audit opinion on the accounts. Independent Examlner's Ststement I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in order to enable a proper understanding of the accounts to be reached, 2tsL? Signed................ FA-I