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2024-09-30-accounts

Saline and Steelend Community Development Trust Scottish Charity No 044063

Annual Report and Financial Statements for the Year Ending 30 September 2024

Trustees’ Annual Report

For the Year Ended 30 September 2024

The Trustees have pleasure in presenting their report together with the financial statements and the independent examiner’s report for the year ended 30 September 2024

Reference and Administrative Information

Charity Name

Saline and Steelend Community Development Trust

Charity No

SC044063

Address

Steelend Miners’ Welfare Club

Main Street Steelend Fife KY12 9LW

Current Trustees

2

Structure Governance and Management

Constitution

The Charity is a Scottish Charitable Incorporated Organisation (SCIO). It is governed by its Constitution which was adopted on 18 June 2013. The Trust was granted charitable status by OSCR on the 10 June 2013.

Appointment of Trustees

The Board, who are required to meet on a monthly basis, are the charity’s trustees. However, since the Covid pandemic business has been dealt with online. Trustees are elected at the Annual General Meeting. Under the constitution there must be a minimum of three and not more than twelve elected trustees. Two of the places are reserved for nominees from Saline and Steelend Community Council.

Management

The trustees are responsible for the strategic direction, governance and dayto-day running of the Trust. There are no paid staff.

Objectives and Activities

Charitable purposes

The Trust’s purposes are to advance community development and regeneration within Saline and Steelend as defined by the boundaries of the Saline and Steelend Community Council area in Fife

Providing, or assisting in providing, recreational facilities, and/or organising recreational activities, which will be available to members of the Community and public at large or those who by reason of their youth, age, infirmity or disability, poverty or social and economic circumstances have need for those facilities with the object of improving conditions of life of the Community.

Advancing environmental protection or improvement including preservation, sustainable development and conservation of the natural environment, the maintenance, improvement or provision of environmental amenities for the Community.

3

The advancement of the health and wellbeing of the residents of the Community.

To relieve those in need in the Community by promoting training and with particular reference to skills which will assist the participants in obtaining paid employment.

Relieving the needs of people who are elderly or who are otherwise in need of care within the community.

Activities

Ownership of the Community Action Plan, published in 2011 and updated in 2019, rests with Saline and Steelend Community Council. The role of the trust is to encourage and facilitate individuals and groups to implement projects identified within the themes and strategies in the Action Plan and to carry out the more ambitious projects which involve significant expenditure, the acquisition of land or property, or the employment of staff, and require a robust legal and financial structure.

Achievements and Performance

The trust has continued to build on the achievements of earlier years but some activities were curtailed because of the Covid 19 crisis. The Trust carries out some projects in its own right and others in partnership with other local groups. It also provides support to other groups that wish to operate independently. Current projects and initiatives are described below.

Affordable housing: Creating new affordable homes for elderly people remains a priority. Two sites had been identified; the former football ground at Steelend which will require a developer, and an area of land adjacent to Saline bus turning circle. Unfortunately, the football ground has been sold with planning consent for a single house. However, 39 new homes for elderly people and people with disabilities on the land adjacent to Saline bus turning circle are under construction. These homes will be owned and managed by the Council. The Trust was in discussion with the developer to take the land between the new housing and the back of the school/church into community ownership, to be used to create a new access to the school . The project would be a joint venture with Saline Environment Group. The developer had also agreed to reconfigure the existing car park and tuning circle, at his

4

expense, to create more parking spaces and a school drop off point. Sadly this offer has been withdrawn. A path would have led up to the existing school rear gate through a wildflower meadow. The developer’s explanation was that the land might be required to access further phases of private sale homes.

Saline to Oakley Path: The project to construct the new bridge across the Bluther Burn in partnership with West Fife Woodlands was completed in September 2023. The Trust was awarded £60k from the Scottish Mines Restoration Trust to construct the path across Muirside Estate to Bickramside and down to the Whitegates at Oakley. This work is a further collaboration with West Fife Woodlands. The section from the Whitegates along the old railway line up to Bickramside is substantially complete but poor ground conditions prevented a start being made on the upgraded path across Muirside. Progress on this section has been further delayed by FLS’s insistence on the use of particular construction techniques and machinery, and operative qualifications. Talks are continuing with Forestry and Lands Scotland to resolve these problems. In the meantime, people are using path in its existing condition to walk from Saline to Oakley.

The Trust will continue to press for new links from Kinneddar Park and Cowstrandburn into the Blair House estate, the site of the former colliery now in the ownership of FLS.

The informal 'paths user group' continues to monitor the local paths network and make suggestions for improvements. This work continues to benefit from the involvement of Saline Heritage Society and Saline Environment Group.

Villages Website: The Comms Group have continued their work to upgrade the village website and establish it as the primary source of information for those within and without Saline and Steelend. In the meantime, information is provided on the villages Facebook page

Community Pharmacy: The NHS Appeals Panel finally dismissed Dears appeal and Lisa Duncan is able to open her pharmacy in the Community Centre. The Trust is supporting her in her negotiations with Fife Council. It is hoped that it will open in the spring of 2025.

Community Centre: Discussions with Fife Council about obtaining a licence to manage the Community Centre are on hold. The community centre is not in use at present as the roof over the small hall is being replaced. It is expected

5

to reopen at the end of 2024. Establishing it as a hub for health and wellbeing remains an aspiration.

Vacant land on Saline Main Street: Negotiations with Fife Council have moved very slowly but the Trust has obtained a lease for the vacant land. A Memorandum of Understanding will be entered in to with Saline Environment Group who will manage the land and develop the community garden. The community garden will operate as a subgroup of the Trust and a representative of SEG will become a Trustee.

Saline Smilers Toddler Group: The Trust continues to manage the finances of Saline Smilers.

Community Chest: The Trust holds the residual funds from the Blair House Trust on behalf the Community Council. BHT required the money to be held by a registered charity. The money is to be used on the direction of the Community Council for small projects that benefit the local people.

Community Pantry: The Trust was instrumental in the establishment of the Community Pantry which operates from Saline Community Centre on a Wednesday and serves 60+users each week. In return for a nominal £4 donation, users can fill their bags with groceries, fresh fruit and vegetables, bakery items, toiletries, and household items. The majority of goods distributed is surplus food from supermarkets. Coffee, tea and soup are served and the pantry has become a social hub. Collections from supermarkets are made five days a week and items that cannot be kept until pantry day are distributed on a first come first served basis from storage boxes on Main Street. The Pantry now has its own Constitution and bank account but operates as a subcommittee of the Trust and benefits from its charitable status and insurances for volunteers.

Financial Review

Accounts for the period are appended to this report. Our main source of funding remains small donations, and grants from Fife Council, charitable organisations and other bodies for specific projects. Day to day expenditure remains minimal.

6

Reserves Policy

The trust has no significant financial commitments and day to day expenditure is very small. Consequently the intention of trustees is to maintain a balance of at least £150 in its bank account to cover unforeseen events. This policy will be reviewed once income and expenditure increases.

Plans for Future Periods

Community Garden on Saline Main Street: Work with Saline Environment Group develop a community garden.

Community Pantry: Support the Pantry in extending the range of services it provides.

Membership and Trustees : In the absence of new initiatives and projects during the two years of the pandemic it proved difficult to retain the interest of members. A priority for 2024/25 remains to revive interest, create an active membership, and appoint new Trustees.


Approved by the trustees and signed on their behalf on the 13 May 2025 by:

Secretary

7

Enter SC No. below

Enter charity name below

Saline and Steelend Community Development Trust

SC044063

Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Section A Statement of receipts and payments
Receipts andpayments accounts
For the period
from
Period start date
Period end date
to
1
October
2023
Day
Month
Year
Day
Month
Year
30
September
2024
~~= SS~~
Unrestricted
funds
Restricted funds Expendable
endowment
funds
Permanent
endowment
funds
Total funds
current period
Total funds last
period
Total funds last
to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £
A1 Receipts
Donations 2 2 2,154 - - - 2 2 2,154 170 170
Legacies - - -
Grants - - 12 12 12,624 - - - - - - 12 12 12,624 71,873
Receipts from fundraisingactivities - - 12 12 12,077 - - - - - - 12 12 12,077 6,557
Gross trading receipts - - -
Income from investments other than
land and buildings - - -
Rents from land & buildings - - -
Gross receipts from other charitable
activities - - -
A1 Sub total A1 Sub total - - 26,855 26,855 26,855 - - - - - - 26,855 26,855 26,855 78,600
A2 Receipts from asset & investment A2 Receipts from asset & investment A2 Receipts from asset & investment
sales
Proceeds from sale of fixed assets
-
Proceeds from sale of investments
-
A2 Sub total -
-
-
-
-
-
Total receipts -
26,855
-
-
26,855
78,600
~~——————~~
A3 Payments
Expenses for fundraising activities 9 9 9,306 9 9 9,306
Gross trading payments - - -
Investment management costs - - -
Payments relating directly to charitable
activities 426 426 52 52 52,589 53 53 53,016 19,078
Grants and donations
- - -
Governance costs:
- - -
Audit / independent examination 50 50 50 50 50
Preparation of annual accounts - - -
Legal costs - - -
Other Other Other
- - -
- - -
**A3 Sub total ** 476 476 61,895 61,895 61,895 - - - - - - 62,372 62,372 62,372 19,078
A4 Payments relating to asset and
investment movements
Purchases of fixed assets
-
Purchase of investments
-
A4 Sub total -
-
-
-
-
-
Total payments 476
61,895
-
-
62,372
19,078
~~———————~~
Net receipts / (payments)
A5 Transfers to / (from) funds
Surplus / (deficit) for year
476)
(
35,041)
(
-
-
35,517)
(
59,522
629
629)
(
-
153
35,670)
(
-
-
35,517)
(
59,522
~~SS5S==~~

Page 1 of 6

SC044063

Saline and Steelend Community Development Trust

Section B Statement of balances

Categories
B1 Cash funds
B2 Investments
B5 Contingent liabilities
B4 Liabilities
B3 Other assets
Details Unrestricted
funds
to nearest £
14
153
Restricted funds
to nearest £
62,630
35,670)
(
Expendable
endowment
funds
to nearest £
Permanent
endowment
funds
to nearest £
Total current
period
to nearest £
Total last
period
to nearest £
Cash and bank balances at start of year 62,644 3,123
Surplus / (deficit) shown on receipts and
payments account
35,517)
(
59,521
-
-
Cash and bank balances at end of
year
Details
(Agree balances with receipts and payments
account(s))
167 26,960 - - 27,127 62,644
0 - 0 -
Fund to which

-
asset belongs
0 - 1
Market valuation
to nearest £
Last year
to nearest £
Details Fund to which asset belongs Total
Cost (if available)
to nearest £
-
-
Current value (if
available)
to nearest £
Last year
to nearest £
Details Total
-
Fund to which liability relates
-
-

-
Amount due
to nearest £
Last year
to nearest £
Details Total
Fund to which liability relates
- -
Amount due
(estimate)
to nearest £
Last year
to nearest £
Total -
-

Signed by one or two trustees on behalf of all the trustees

----- Start of picture text -----
Date of
Signature Print Name
approval
5th May 2025
----- End of picture text -----

Page 2 of 6

Saline and Steelend Community Development Trust

SC044063

Section C Notes to the Accounts

C1 Nature and purpose of funds (may be stated on analysis of funds worksheets)

General Fund: Unrestricted Fund for general operation of the charity. Comms Group: Restricted Fund for production of Community Bulletin and maintenance of website. Blair House Trust restricted funds to be disbursed in accordance with the charitable purpose of SSCDT (see note below). Early Years Scotland fund to support SALINE SMILERS Toddler group. Saline Fabulous Food Pantry (Saline Pantry) SSCDT sub group (constituted) who run food pantry for the community. Footpath Project (restructed fund) working with West Fife Woodlands (partner organisation) creating a footpath between Saline & Oakley (Saline Path project)

C3a Trustee remuneration
C4a Trustee expenses
C2 Grants
C3b Trustee remuneration -
details
C6 Other information
C5 Transactions with
trustees and connected
persons
C4b Trustee expenses -
details
Type of activity or project supported Type of activity or project supported Individual /
institution
Number of grants
made
£
Number of grants
made
£
Total -
If no remuneration was paid during the period to any charity trustee or person connected to
a trustee cross this box (otherwise complete section 3b)
X
Authority under which paid £
If no expenses were paid to any charity trustee during the period then cross
(otherwise complete section 4b)
this box X
Nature of transaction Number of
trustees
£
Nature of relationship Transaction
amount (£)
Balance
outstanding at
period end (£)
During this financial year it was agreed by the Board to move remaining funds from Friends & Neighbours
and Feasability fund to the general unrestricted fund. in 2018 the Blair House trust grant was awarded to
SSCDT by the Blair House Trustees as part of the process of winding up the Blair House Trust (SC042602). .
OSCR stipulatied that their remaining funds had to be dispersed to an OSCR registered charity and be used
in accordance with that charity's aims. Further donations were added to this fund to be used in setting up a
Youth Club within the village

Page 3 of 6

Saline and Steelend Community Development Trust

SC044063

Additional analysis (1)

Analysis of receipts and payments

1 Donations

1 Donations 1 Donations
Donations to Pantry
Donation from BowlingClub
Donation to Smilers
Total
2 Grants
Unrestricted
funds
to nearest £
Restricted funds
to nearest £
Expendable
endowment
funds
to nearest £
Permanent
endowment
funds
to nearest £
Total current
period
to nearest £
1,088
866
200
-
-
-
-
-
-
-
Total last
period
to nearest £
1,088 170
866
200
- 2,154 - - 2,154 170
Unrestricted
funds
to nearest £
Restricted funds
to nearest £
Total current
period
to nearest £
Total last
period
to nearest £
Saline Fabulous Food Pantry 9,439 9,439 5,250
Saline path project ( SLCF) 3,185 3,185 66,548
Early Years Scotland - 75
Total - 12,624 12,624 71,873
- - - -

3 Gross receipts from other charitable activities

Unrestricted
funds
to nearest £
Unrestricted
funds
to nearest £
Restricted funds
to nearest £
Expendable
endowment
funds
to nearest £
Permanent
endowment
funds
to nearest £
Total current
period
to nearest £
Total current
period
to nearest £
Total last
period
to nearest £
Pantryfood bags 12,077 12,077 6,557
Total - 12,077 - - 12,077 6,557

4 Payments relating directly to charitable activities

Unrestricted
funds
to nearest £
Unrestricted
funds
to nearest £
Restricted funds
to nearest £
Expendable
endowment
funds
to nearest £
Permanent
endowment
funds
to nearest £
Total current
period
to nearest £
Total current
period
to nearest £
Total last
period
to nearest £
Bulletinprinting: CSG


-






695
Administration, audit & IT costs 50 162 212 -
Insurance 426 426 96
Grant funds spend : BH 300 300 -
Grant funds spend : SP 42,695 42,695 10,481
Foodpurchases: SFF 9,216 9,216 4,077
Grant funds spent : SFF 8,752 8,752 3,036
Donation spent: SFF 1,052 1,052 30
Administration expenses: SFF (319) (319) 238
Staff and volunteer costs: SFF 37 425
Total 476 61,895 - - 62,334 19,078

Note:

Page 4 of 6

SC044063

Additional analysis (2)

5 Breakdown of unrestricted funds

5 Breakdown of unrestricted funds 5 Breakdown of unrestricted funds
Receipts General
administration
and promotion
Insurance Total
unrestricted
funds
Total
unrestricted
funds last period
Donations - -
Legacies -
Grants -
Interest -
Receipts from fundraisingactivities -
Gross tradingreceipts -
buildings -
Rents from land & buildings -
Gross receipts from other charitable activities -
Sub total
Receipts from asset & investment sales
- - - - -
-
Proceeds from sale of fixed assets -
Proceeds from sale of investments -
Sub total
Total receipts
Payments
- - - - - -
- - - - - -
-
Expenses for fundraisingactivities -
Gross trading payments -
Investment management costs -
Payments relatingdirectlyto charitable activities - 426 426 96
Grants and donations -
Governance costs: -
Audit / independent examination 50 50 25
Preparation of annual accounts -
Legal costs -
-
-
Sub total
Payments relating to asset and investment
movements
50 426 - - 476 121
-
Purchases of fixed assets -
Purchase of investments -
Sub total
Total payments
Net receipts / (payments)
Transfers to / (from) funds
Surplus / (deficit) for year
- - - - - -
-
50 426 - - 476 121
-
50)
(
426)
(
- - 476)
(
121)
(
629 629
579 426)
(
- - 153 121)
(
-

Nature and purpose of funds

Page 5 of 6

Saline and Steelend Community Development Trust

SC044063

=

Additional analysis (3)

6 Breakdown of restricted funds

6 Breakdown of restricted funds
Receipts Comms Group
and Funds
transfers
Blair House &
Smilers
Saline Path
project
Fabulous Food
Pantry
Total restricted
funds
Total restricted
funds last
period
Donations 1,066 1,088 2,154 170
Legacies - -
Grants 3,185 9,439 12,624 71,873
Receipts from fundraisingactivities 12,077 12,077 6,557
Gross tradingreceipts -
Income from investments other than land and
buildings
-
Rents from land & buildings -
Gross receipts from other charitable activities -
Sub total
Receipts from asset & investment sales
- 1,066 3,185 22,604 26,855 78,600
-
Proceeds from sale of fixed assets -
Proceeds from sale of investments -
Sub total
Total receipts
Payments
- - - - - -
- 1,066 3,185 22,604 26,855 78,600
-
Expenses for fundraising activities 9,306 9,306
Gross trading payments -
Investment management costs -
Payments relating directly to charitable activities 162 - 42,695 9,432 52,289 18,957
Grants and donations 300 300
Governance costs: -
Audit / independent examination -
Preparation of annual accounts -
Legal costs -
-
-
Sub total
Payments relating to asset and investment
movements
162 300 42,695 18,738 61,895 18,957
-
Purchases of fixed assets -
Purchase of investments -
Sub total
Total payments
Net receipts / (payments)
Transfers to / (from) funds
Surplus / (deficit) for year
- - - - - -
-
162 300 42,695 18,738 61,895 18,957
-
162)
(
766 39,510)
(
3,866 35,041)
(
59,642
629)
(
629)
(
791)
(
766 39,510)
(
3,866 35,670)
(
59,642
-
Nature andpurpose of funds
The Board agreed that the remaining funds of £629 in th e Friends & Neighbours project fund a nd Feasibility Study should be transfer erred to the unrestr icted fund

Page 6 of 6

APPENDIX 3 ncrn VJL SLUliNI iiiaiily i<e¥uidiLY Independent examiner's report on the accounts Report to the Chenty name trusleoslmombers of iALiblE k S[EEts￿) CON1￿0￿j Iiy pEVSLoPM< KSF RegiSte￿d ¢harity SC number On the ac¢ounts of the ¢harlty for th• p•rlod Period start dale Month P8riod end dale Month Day Year Day Year to 20ZLk Set out on pages Ir&nÈmbèrtts IndudÈ thè pa nuTribgrs ol 8ddilthal 6heeisl R¢spe¢tive The charity's trustees are responsible lor the preparation of th8 accounts in accordance respon5ibilrties 01 with the tems of the Charities and Trustee Investment (Scotlandl 2005 Act and the trusttts and examiner Charilies Accounts (Scotland) Regulations 20Q6 las amended). The charity trustees consider that the audit requirement of Regulab'on 1 Dl11 Idl of the Accounts Regulations does not apply. It is my responsibility to examine the accounts as required under section 4411) Icl of the Act and lo slate whether particular maller5 have come to my attention. Basis of independent My examination is caryied out in accordance with Regulation 11 of the 2006 Accounts ¢xamineVs statement RegLJlations. 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 disclosure5 in the accounts and seeks explanations from the Injslees concerning any such matters. The procedures undertaken do not provide all the evidence that would be required in an audit and, (x)nsequenUy, I do not express an audit opinion on the view given by the accounts. Indep•ndent •xaminer's In the Gouf5e of my exatninalion, no matter has come lo my attention lolher than that statement dISc￿Sed on the attached page'l which gives me reasonable cause lo believe that in any material respect the requiremenls.. lo keep accounting records in accofdance with section 44{1) lal of the 2005 Act and Regulation 4 of the 2006 A￿OuntS Regulations. and to prepare accounty whlch accord wrth the accounting recoids and comply with Regulation g of the 2006 Accounts Regulations have not been met, or 12. to which. in my opinion. attenb.on should be drawn in order to enable a proper under8landing of the ccounls to be reached. Signed. Name: Relevant professional qualification(sl or Ixdy (if anyl- Addr•ss: '￿e48¢ 1$e￿te the word8 in the brad(ets If they do not appw If the wolds do 8ppIy. 8et out Ih08e maliers whic have come to your attention on thè followlng page .￿sCR wll ar￿Pt d￿rtaI ortyped sbJnatures.