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

4. 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
5. Governance costs
A payment of £60 was paid to Linda Wilson for auditing the exp accounts for Nov 2023 to Oct
2024. No remuneration was paid to Trustees or any connected persons in this period.
6. 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