ex -Ex eriencin Faith in Cowal Trustees, Annual Re ort and Accounts for 1st November 2024 to 31st October 2025 The Trustees have pleasure in presenting their report together with the financial statements and the st st independent examiner's report for the period l November 2024 to 31 October 2025 Reference & Administrative Information. Charity Name eXp-Experiencing Faith in Cowal Charity"Known as" Name exp Charity Number SC046355 Address Minahey Cottage, Kames, Tighnabruaich, PA212AD Current Trustees as at 31 Oct 2025 Mr Collin Adams Chair Dr Christopher Brett Secretary and Treasurer Mr Robert Mitchell Ms Catherine Montgomery Mr James Anderson Mrs Jenny Wright Mr Gordon Mccaw Mrs Kathleen Henderson Structure Governance & Mana ement Constitution exp is a SCIO (a Scottish Charitable Incorporated Organisation), registered on 19 February 2016. It is governed by its Constitution, which has not been amended since the registration of the SCIO. th Appointment of Trustees The five founding Trustees were named in the application for SCIO status, and are deemed to have been appointed as Charity Trustees from the date of registration of the SCIO. The Board of Trustees can appoint additional Trustees at any Board meeting. All Trustees must retire from office at each AGM, but may then be re-appointed as specified under Clause 26 of the Constitution. There must be a minimum of 3 and a maximum of 10 Trustees. Trustees generally meet quarterly. exp is a "Single-Tier SCIO" i.e. the Trustees are the only Members of the Charity. Management The Trustees are responsible for the strategic direction and governance of the SCIO. Day-to-day running of exp is delegated to the Youth Work Team Leader, who line manages the paid staff and volunteers.
Ob"ectives and Activities Charitable Purposes The organisation is established for charitable purposes only, and in particular, the objects are: l. The advancement of education through engaging with and working alongside schools in Cowal, offering both formal and informal educational programmes and activities so that young people are better equipped to make good choices. 2. The organisation of recreational activities with the object of improving the conditions of life for the children and young people of Cowal, thereby assisting the development of their physical, mental, emotional and spiritual wellbeing. 3. The advancement of religion by fulfilling the above purposes at all times within a framework of Christian faith and values, working in active engagement with the Church of Scotland congregations in Cowal and with other Cowal churches and other agencies. Activities Exp runs clubs and activities in Dunoon on a weekly basis during the school term, and less frequently in other locations in Cowal. It also runs residentials holidays in the summer holidays, in partnership with Scripture Union Scotland, and residential weekends during the school year. Staff, volunteers and young people participate in other youth activities in Argyll and across Scotland on an occasional basis. Many of our activities are run in close partnership with Dunoon Grammar School and its feeder Primary Schools. Most activities are run in association with the Cowal churches, especially the Church of Scotland, Dunoon Baptist Church, Holy Trinity Episcopal Church, St Mun's Roman Catholic Church, and New Life Christian Fellowship. For further details, please see below. Achievements and Performance exp's mission is to support, encourage and equip the children and young people of Cowal to make good choices and enhance their well-being, within the framework of Christian faith and values. Weekl Youth Club exp runs a Youth Club every Friday in term-time. Around 25 young people attend regularly, with over 39 on the register. The club is staffed by the exp youthworkers, volunteers and trainee leaders (Rookies). For many young people, this is the first exp activity they encounter. The emphasis is on giving them an exciting and enjoyable programme of activities, with some spiritual input as well. Once each month, a "Going Deeper" session explores an aspect of faith more deeply. Leadershi Trainin Leadership training is a key aspect of our work. Training is provided for "Rookies" (S4-S6) and "Steppers" (S2-S4). Grant funding from the Augusta Lamont Bequest and the Garfield Weston Foundation has enabled us to allocate staff time for this training. In the academic year 2024-25, 8 young people were involved in our leadership training programme. In the school year which began in August 2025, 13 young people are undertaking the programme. They help to run exp activities, and in doing so provide excellent role models for the younger teenagers and primary school children. Residential Events. During the summer holidays exp ran a week-long summer residential holiday at the SU Scotland residential centre at Whithaugh Park in the Scottish Borders. The week was attended by 28 young people. A weekend residential training weekend for our Rookies and Steppers took place in March. Su ort for Local Churches exp helped the Cowal Kirk to run a Summer Holiday Club in August. We now help with the Cowal Kirk's monthly "Pizza Church" a new worshipping community which meets monthly on a Friday after school. Attendance from non-churchgoing families has been very encouraging.
Communit involvement. Exp's MAD (Make A Difference) Club meets weekly at lunch-time in Dunoon Grammar School. Up to 25 young people are involved each week. A community project for the current year is to help set up a new Community Garden in Sandbank. Su ort for Dunoon Grammar School. A key focus for exp is the support of pupils and staff a Dunoon Grammar School. We helped to run a P7 Leavers Transition evening in January. This gave us opportunity to prepare all the young people for entry into the Grammar School in the following school year. The School provided funds for exp's Support Worker for Vulnerable Young People to work as a school support worker for one and a half days per week in term time. In this role he helps young people who struggle to maintain involvement in main-stream classes and with peer relationships more generally. Our Team Leader does some one-to~one mentoring of young people at the request of the young people and their parents. exp aims to provide a staff member to be present to support the school staff over lunchtimes during term. This presence helps us to deepen relationships with vulnerable young people and to provide one-to-one support when needed. ort for Prima Schools across Cowal A team of exp volunteers, with the help of the children, enacts Bible stories in four of the local Primary Schools each term. These "Open the Book" stories are specially written for Primary School children by the Bible Society, and help with the schools, delivery of the RME curriculum. exp also runs assemblies in Primary Schools on specific topics. Staff and Volunteers. exp's work with young people depends on its excellent staff. Our Team leader, Mrs Susan Whyte, retired during the year. We were very pleased to appoint Mrjack McGinnigal as Team Leader in her place in April 2025. We were unable to recruit a second youthwork to replace Jack after his promotion, in spite of extensive advertising of the post. We have since recruited Ms Mandy Murphy as part-time Operations Manager, to help release the Team Leader for full-time youthwork. Our youthworkers are ably supported by a part-time Administrator, and by 20 regular volunteers. Many of the volunteers were previously involved with exp as young people. The staff are based at the exp office, which is located at 63 Hillfoot St, Dunoon. Financial Review Funds for pay, activities and rent came predominantly from grants from 3 grant-giving bodies, which are listed in Note 2 to the accounts. Reserves Policy The unrestricted funds represent income received but not yet utilised in supporting charitable activities. At st 31 October 2025 the charity held £31,131 in unrestricted funds, and the Trustees consider this to be sufficient to allow them to manage the charity's operations. Plans for the coming year exp plans to undertake its normal youthwork activities in the coming year. In addition, exp plans to: o Continue and increase the support it gives to staff and pupils of Dunoon Grammar School Develop the programme of "Open the Book" sessions in Primary Schools Further develop the training of young leaders. o Further develop the "Make a Difference" Club. o Explore new avenues of funding.
Involve more volunteers in its activities. Further strengthen its relationships with the Cowal churches.
st st Statement of Receipts and Payments, for the Period l Nov 2024 to 31 Oct 2025 Total November 2024 October 2025 Total Previous Period Nov 2023 Oct 2024 Unrestricted Funds Restricted Funds Note Receipts Donations 4,686 1,810 6,496 19,835 Grants 28,713 34,209 62,922 43,657 Receipts from Charitable Activities Bank Interest 233 10,696 10,929 4,849 310 310 87 Total Receipts 33,942 46,715 80,657 68,428 Payments Cost of Charitable Activities 19,015 34,633 53,648 70,539 Governance Costs 60 60 120 Total Payments 19,075 34,633 53,708 70,659 Surplus / (Deficit) for the year 14,867 12,082 26,949 (2,231)
st Statement of Balances, as at 31 Oct 2025 Total Nov 2024 - Oct 2025 Total Previous Period, Nov 2023 - Oct 2024 Funds Reconciliation Cash at Bank & In Hand, l November 2024 Unrestricted Funds Restricted Funds Note 16,264 40,162 56.426 58,656 Surplus / (Deficit) for current period 14,867 12,081 26,949 (2,231) Cash at Bank & In Hand, 31st October 2025 31,131 52,243 83,375 56,426 Bank & Cash Balances Bank Current Account Bank Deposit Account Cash in Hand Total 20,724 10,397 11 12,243 40,000 32,967 50,397 11 26,290 30,087 49 31,131 52,243 83,375 56,426 The notes on pages 6, 7 and 8 form an integral part of these accounts. Approved by the Trustees on 2071 and signed on their behalf by:_ Mr Collin Adams Chair AL, 4-L- Itk SqKJfr 471 Dr Chris Brett Treasurer
st st Notes to the Accounts- For the Period l November 2024 to 31 October 2025 l. Basis of Accounting: These accounts have been prepared on the Receipts & Payments basis in accordance with the Charities & Trustee Investment (Scotland) Act 2005 and the Charities Accounts (Scotland) Regulations 2006 (as amended). 2. Grants Received: During this period, a number of grants were received: Unrestricted Funds 5,000 21,750 1,963 Restricted Funds Total Nov 2024 to Oct 2025 5,000 55,959 1,963 Garfield Weston Augusta Lamont Bequest Co-operative Bank 34,209 Total Grants Received 28,713 34,209 62,922 3. Receipts from Charitable activities Total November 2024 to October 2025 Unrestricted Funds Restricted Funds School Year Events Summer Camp Youth Club Youth Worker Unrestricted 1,357 515 1,357 515 824 8,000 824 8,000 233 233 Total Receipts 233 10,696 10,929
- Payments relating directly to Charitable Activities. Total November 2024 to October 2025 22,416 6,294 7,967 4,462 289 2,840 739 8,641 Unrestricted Funds Restricted Funds Employment Costs Summer Camp Rental of premises Activities Publicity, Printing & Postage Materials & Equipment Travel Other 4,273 18,143 6,294 447 7,520 4,462 54 1,874 739 2,620 235 966 6,021 Total Payments 19,015 34,633 53,648
- Governance costs A payment of £60 was paid to Linda Wilson for auditing the exp accounts for Nov 2023 to Oct
- No remuneration was paid to Trustees or any connected persons in this period.
- Analysis of Restricted Funds exp Summer Youth Camp School Year Events School Total Nov 2024 to Oct 2025 Youth worker AV/Dig Comm Youth Club Music Receipts Grants Donations Receipts from Charitable Activities Total Receipts 2,834 26,375 5,000 1,810 34,209 1,810 1,357 8,000 515 824 10,696 4,192 34,375 7,325 824 46,715 Total Payments 5,268 19,581 8,676 1,108 34,633 Balance on 1st Nov 2024 Balance on 31st Oct 2025 5,727 22,447 1,829 7,088 2,274 796 40,161 4,650 37,241 1,829 5,737 2,274 512 52,243
APPENDIX 3 OSCR Scottish Charity Regulator Independent examiner's report on the accounts Report to the "Charity name trusteeslmembers of exp - Experiencing Faith in Cowal V2 Registered charity SC046355 number On the accounts of the charity for the period Period start date Month Period end date Month Year Year To 01 Set out on pages 1-8 November ,2024 31 October ,2025 (remember to include the page numbers of additional sheets> Respective The charity's trustees are responsible for the preparation of the accounts in accordance responsibilities of with the terms of the Charities and Trustee Investment (Scotland) 2005 Act and the trustees and examiner Charities Accounts (Scotland) Regulations 2006 (as amended). The charity trustees consider that the audit requirement of Regulation 10(1) (d) of the Accounts Regulations does not apply. It is my responsibility to examine the accounts as required under section 44(1) (c) of the Act and to state whether particular matters have come to my attention. Basis of independent My examination is carried out in accordance with Regulation 11 of the 2006 Accounts examiner's statement Regulations. 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 seeks explanations 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 view given by the accounts. Independent examiner's In the course of my examination, no matter has come to my attention [other than that statement disclosed on the attached page"] which gives me reasonable cause to believe that in any material respect the requirements: to keep accounting records in accordance with section 44(1) (a) of the 2005 Act and Regulation 4 of the 2006 Accounts Regulations, and to prepare accounts which accord with the accounting records and comply with Regulation 9 of the 2006 Accounts Regulations have not been met, or to which, in my opinion ention should be drawn in order to enable a proper derstanding oflhe accounts to be reached. Date: Signed: Name: Relevant professional qualification(s) or body ,LThtsl) GR},. 0 FF¢cL< (if any): Address: a g ICA r( JAI6LLLfiLLtr ,1 fLfiYL i All 26 'Please delete the words in the brackets if they do not apply. If the words do apply, set out those matters which have come to your attention on the following page.
APPENDIX 3 Disclosure section Only complete if the examiner needs to highlight material problems. Give here brief details of any items that the examiner wishes to disclose