2024-2025
ANNUAL IMPACT REPORT
contact@improvinglives.co.uk
0141 237 4560
Improving Lives
About Us
Our Mission
Our mission is to alleviate the stress and isolation that can come with living with a disability. We want to make things more accessible to everyone and help people to make improvements to their own lives.
We believe that everyone should be able to access the support and information that they need quickly and easily. We are also passionate about making sport accessible to everyone too.
Scottish Charity Number: SC048160
Our History
Improving Lives was founded in 2017 due to the personal experiences of local couple Kevin and Dhyani Crawford. From its humble beginnings from a laptop at their kitchen table Improving Lives has grown quickly. Despite relying solely on donations, a couple of grants and the passion of our volunteers the charity has continued to provide more and more support. In 2022 we took over a larger premises from the Independent Resource Centre in Clydebank and although it was a big move it proved to be the right one.
Improving Lives evolved from just providing accessible details about what support and organisations were available to providing in depth personal support plans, welfare and disability rights, our own support groups and space for other community groups to use. We host an annual information and support open day every year that attracts close to 300 members of the public, run our monthly Disability Action Group which identifies local issues and works to address them and have introduced disability martial arts to West Dunbartonshire through our Disability Karate Class.
Improving Lives continues to expand its services to meet the needs of the disabled community, their families and carers as well as working alongside other charities, organisations and health and social care professionals to help create a one stop shop for all things disability related in West Dunbartonshire and surrounding areas.
2024-2025
Improving Lives
WHAT WE DO
| One to One Support |
Our advisors treat everyone as a unique individual, and work to provide as much support and information as required |
|---|---|
| Raising | Through Our Open Days, Community Action Group & events we are raising awareness of the |
| Awareness | challenges faced by people who live with |
| disabilities | |
| Welfare | Voiceability advocates help people |
| Rights | to apply for benefits. |
| Blue Badges and Bus Passes |
We can help you apply for or renew bus passes or blue badges. |
| Self Directed Support |
We are an independent SDS advice and support organisation for West Dunbartonshire |
| Disability | We have helped introduce disability sports to |
| Sport | West Dunbartonshire through our Kugatsu Karate |
| Group | |
| Peer | We have several peer led support groups for |
| Support | PA’s, Autism Support & Discussion Group, Art for |
| Groups | Anxiety, Men’s Group, Walking Group |
| Information Open Days |
We host the largest support and information open day for people living with disabilities and long term conditions in West Dunbartonshire |
| Digital Empowerment |
Our Digital Champions help with workshops and one to one sessions to promote connectivity and access to online services. |
2024-2025
Improving Lives
OUR PROJECTS THIS YEAR
This year we have been able to run some really impactful projects. Our events promote social inclusion, tackle isolation and help grow confidence in participants
| Projects | Details | Highlights |
|---|---|---|
| Our relaxed art and | The highlights from this year include | |
| Art for | craft class continues | a trip to Edinburgh to the Portrait |
| Anxiety | to expand | Gallery and a visit from a pony in to the class |
| Autism Peer Support Group |
Our Autism Group now runs fortnightly |
Our group put together a collection of tools like weighted blankets, noise cancelling headphones & fidget toys to help alleviate the challenges faced by people with Autism |
| Community | Our focus groups | Our Community Action Group made the front |
| Action | are back under a | page of the local newspaper sharing their |
| Group | new name | concerns about pavement parking |
| Men’s Group |
Men only peer support group |
A support group for men, where they can take part in activities like fishing, walking, day trips and discussion |
| Sight Loss | We took over this | We have hosted several outings including |
| Support | group to stop it | attending a photography exhibition and |
| Group | closing down | going out for Christmas dinner |
| Our weekly class is | Promoting inclusion and raising confidence in | |
| Disability | open to everyone | groups who would otherwise not have the |
| Karate | regardless of ability | opportunity to practice karate. Our members are |
| steadily progressing through the coloured belts | ||
| Christmas Project |
Supporting vulnerable people through the Xmas season |
305 people benefitted from our Xmas Support Scheme which included Xmas Boxes, Vouchers, Xmas Meals, survival packs and outings |
| Open Day 2024 |
Our annual support and information open day |
We held our biggest and highest attended open day yet with over 50 organisations and groups showcasing their services. |
2024-2025
Improving Lives
IMPACT
Since opening our Improving Lives Hub in Dalmuir we have seen thousands of people come through our door every year.
We work continuously to improve the lives of people living with disabilities, their families and their carers.
Through our support groups and hub activities we strive to empower our client group to form friendships and learn new hobbies and skills.
Case Study
contacted Improving Lives for support and information. He had been diagnosed with Motor Neurone Disease. We supported him to contact MND Scotland to access support and to meet others with MND.
We made him an appointment with Voiceability in our Hub to apply for Adult Disability Payments and to Citizens Advice Bureau for a benefit check to ensure that he was receiving the benefits that he was entitled to. We also completed a housing application for as his accommodation was no longer meeting his needs.
aid that he felt isolated in the community so therefore we supported him to apply for Self Directed Support. This enabled him to get a personal assistant who could take him out in the community.
was also encouraged to attend groups that took place in our Hub. He enjoyed participating in the allotment as we have raised beds, he liked being part of a group and interacting with others. He was supported to attend our fishing group.
These measures changed life for the better by empowering him to make decisions for himself, receiving the benefits he is entitled to and he is now happy, making new friends and alleviating the sense of isolation that he faced in the past.
2024-2025
Improving Lives
FEEDBACK
“More help than I’ve had in 25 years”
“I didn’t know where to turn, you are a miracle worker”
“You’ve given me the strength to carry on”
“You helped me when I did not have anywhere else to turn”
“Thank you for listening, you’ve given me the strength to carry on”
“That’s a weight off my mind, thanks”
“I don’t know where I would be if yous hadn’t helped”
“Thank you so much for the hamper, yous saved Christmas”
“I think this service is invaluable”
“Improving Lives have enabled our group to have our own meeting place at no cost . Supplying us with free tea & biscuits too .
It's lovely to have somewhere we can all share mindfulness & feed our passion for knitting/crochet. Learning new skills together and supporting other charities with our projects which all helps to build confidence & breaking down feelings of isolation & loneliness.
We also have information & support available from Improving Lives which is of a great benefit to our group. We also attend the charities fundraising social nights & they put on day trips for us.”
2024-2025
Improving Lives
WHAT OUR PARTNERS AND OTHER AGENCIES SAY
"VoiceAbility values the incredible work that Improving Lives is doing within the Clydebank community. Their dedication to supporting individuals within the community is truly inspiring. We are grateful for the opportunity to work alongside them, ensuring that service users have access to the advocacy and the support they need. Together, we are making a real difference in people’s lives. Our staff really enjoy working within Improving Lives and it gives us a great platform to meet new clients and offer that additional support"
“I have seen first hand the invaluable support they offer to those often most isolated in the community. They are an absolute lifeline for social work”
“Something that stands out is the good vibes in Improving Lives, it’s so inclusive and super friendly. It’s part of the reason we love working with them”
NUMBERS
905
53
32
597
519
5298
HEAR FROM OUR STAFF
What is it like to work at Improving Lives?
“Visits from celebrities, Santa, dogs and, horses. Every day is an adventure!!!” C
“What a great bunch of people to work with! Kindness, compassion and lots of humour!” oi e @ " @*-. 4
ACHIEVEMENTS
Our staff and volunteers have been busy upskilling through training - naloxone training, digital champion training, walk leader training, Creating Personal Plans and more!
Our Connecting Our Communities councillors event included the input of several local councillors
We took over the running of a West Dunbartonshire sight loss group to save it from closure
We partnered with Weekday WOW Factor and started providing monthly over 50s discos
We held our biggest open day yet at a brand new venue
We were able to secure allotment space and create an accessible gardening space with sensory garden
We received an incredible donation from which allowed us to transform Christmas for some of our most vulnerable clients
We held our first charity football match and made it a community event
WHAT OUR VOLUNTEERS SAY
----- Start of picture text -----
“I started volunteering with
Improving Lives about 2 years ago
now and it’s one of the best things I
have done. It gives me a sense of
purpose and I like to help people. My
fellow volunteers and staff are like a
family now but the biggest thing was
the acceptance by everyone here”
----- End of picture text -----
2024-2025
Improving Lives
ACKNOWLEDGEMENTS
We would like to take this opportunity to offer our most sincere thanks to our funders, who have supported us throughout the year. This has meant the world to us, as it has been instrumental in helping us to continue with the work that we do.
A special shout out goes to the Corra Foundation for our Henry Duncan Grant which has allowed us to run several projects but importantly has funded the creation of a fully accessible community sensory garden and allotment.
Thanks to an incredibly generous donation from comedia fe we were able to make Christmas extra special for our most vulnerable clients and the people who use our services and premises. We were blown away by this donation and the magic we were able to create for local families and individuals over the Xmas period and in to the new year.
We would not be able to help as many people as we do without the partnerships we have created with some wonderful agencies such as Voiceability, WD Citizens Advice Bureau, Kugatsu Karate, Antonine Sports Centre, West Dunbartonshire Health and Social Care Partnership, Weekday WOW Factor, Patchwork Ponies and Inclusive Images.
As always we would like to thank all of our supporters who have given donations, sponsored events or attended fundraisers throughout the year.
•
Declaration
Signed on behalf of the Charity Trustees
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1
Print Name
ST - Jie
..Ji!
Designation
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I
Date
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Enter SC No. below
APPENDIX 2
ter charity name below
Improving Lives
SCO48160
| Improving Lives | Improving Lives | Improving Lives | Improving Lives | Improving Lives | Improving Lives | Improving Lives | Improving Lives | Improving Lives |
|---|---|---|---|---|---|---|---|---|
| Receipts andpayments accounts | ||||||||
| For the period | Period start date | to | Period end date | |||||
| Day | Month | Year | Day | Month | Year | |||
| 01 | March | 2024 | 28 | February | 2025 |
Section A Statement of receipts and payments Restricted funds Restricted Restricted Restricted Unrestricted 2 - Grant - West Restricted funds 21 - The Restricted Restricted funds Restricted funds Total funds 7 - The funds 19 - Restricted funds Restricted funds Total funds funds - General Account Dunbartonshire Community funds 36 - KB Funding Big Lottery Fund Fund- Cost of Big Lottery Awards for All funds 17 - Robertson Trust 22 - WDCVS Foundation 20 - Asda 29 -Inspiring Scotland 31 - SCVO current period funds last period Budget Living to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ A1 Receipts Donations 20,754 Legacies Grants 7,500 10,000 77,432 6,500 400 63,176 Receipts from fundraising activities Gross trading receipts Income from investments other than land and buildings Rents from land & buildings Gross receipts from other charitable activities 3,467 A1 Sub total 31,721 0 10,000 77,432 0 0 6,500 0 400 63,176 0 20,754 10,821 - - 165,008 98,800 - - - - - - - 1,715 3,467 - - - ~~ae~~ 189,229 149,292 A2 Receipts from asset & investment sales Proceeds from sale of fixed assets Proceeds from sale of investments A2 Sub total - Total receipts 31,721 - 10,000 - 6,500 - 400 63,176 - 189,229 - - - - A3 Payments Expenses for fundraising activities - - 1,561 - Salaries 2,604 ~~77,432 66,683 -~~ 5,944 6,834 51,069 133,134 ~~149,292~~ 49,498 Investment management costs - Payments relating directly to charitable activities 27,152 5,011 4,054 2,196 824 400 134 103 39,875 28,588 Grants and donations 16,967 16,967.42 - Governance costs: - Audit / independent examination - Preparation of annual accounts - Legal costs - Other 1501,391- ~~=~~ A3 Sub total 29,756 - 5,011 - 7070,737 ,737 - 22,196 ,196 - 5,944 - 6,834 - 824 - 400 - 68,170 - 103 - 189,976 150 130,728 125,688 040
Enter SC No. below
APPENDIX 2
ter charity name below
Improving Lives
SCO48160
| Improving Lives | Improving Lives | Improving Lives | Improving Lives |
|---|---|---|---|
| Receipts andpayments accounts | |||
| For the period | Period end date | ||
| Day | Month | Year | |
| 28 | February | 2025 |
~~a~~ Section A Statement of receipts and payments
Restricted funds Restricted Restricted Restricted Unrestricted 2 - Grant - West Restricted funds 21 - The Restricted Restricted funds Restricted funds Total funds 7 - The funds 19 - Restricted funds Restricted funds Total funds funds - General Account Dunbartonshire Community funds 36 - KB Funding Big Lottery Fund Fund- Cost of Big Lottery Awards for All funds 17 - Robertson Trust 22 - WDCVS Foundation 20 - Asda 29 -Inspiring Scotland 31 - SCVO current period funds last period Budget Living to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ Net receipts / (payments) ~~|~~ 1,815 - 4,989 6,695 (2,196) (5,944) (334) (824) - (4,994) (103) (898) 18,564 ~~| |~~ ~~| |~~ | ~~| | 6 OO~~ A5 Transfers to / (from) funds ~~||~~ - ~~|~~ Surplus / (deficit) for year ~~|~~ 1,815 - ~~|~~ 4,989 ~~A~~ 6,695 | ~~|~~ (2,196) (5,944) | ~~|~~ (334) (824) | - | ~~9~~ (4,994) (103) ~~Os~~ (898) 18,564
SCO48160
APPENDIX 2 Improving Lives Section B Statement of balances
| Categories B1 Cash funds |
Details | Unrestricted funds - General Account to nearest £ |
Unrestricted funds - General Account to nearest £ |
Restricted funds 2 - Grant - West Dunbartonshire Community Budget to nearest £ |
Restricted funds 36 - KB Funding to nearest £ |
Restricted funds 7 - The Big Lottery Fund Restricted funds 21 - The Big Lottery Fund- Cost of Living Restricted funds 17 - Awards for All Restricted funds 19 - Robertson Trust Restricted funds 22 - WDCVS to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ |
Restricted funds 7 - The Big Lottery Fund Restricted funds 21 - The Big Lottery Fund- Cost of Living Restricted funds 17 - Awards for All Restricted funds 19 - Robertson Trust Restricted funds 22 - WDCVS to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ |
Restricted funds 7 - The Big Lottery Fund Restricted funds 21 - The Big Lottery Fund- Cost of Living Restricted funds 17 - Awards for All Restricted funds 19 - Robertson Trust Restricted funds 22 - WDCVS to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ |
Restricted funds 7 - The Big Lottery Fund Restricted funds 21 - The Big Lottery Fund- Cost of Living Restricted funds 17 - Awards for All Restricted funds 19 - Robertson Trust Restricted funds 22 - WDCVS to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ |
Restricted funds 7 - The Big Lottery Fund Restricted funds 21 - The Big Lottery Fund- Cost of Living Restricted funds 17 - Awards for All Restricted funds 19 - Robertson Trust Restricted funds 22 - WDCVS to nearest £ to nearest £ to nearest £ to nearest £ to nearest £ |
Restricted funds 20 - Asda Foundation to nearest £ |
Restricted funds 20 - Asda Foundation to nearest £ |
Restricted funds 29 - Inspiring Scotland to nearest £ |
Restricted funds 29 - Inspiring Scotland to nearest £ |
Restricted funds 31 - SCVO Total current period to nearest £ to nearest £ 103 (103) |
Restricted funds 31 - SCVO Total current period to nearest £ to nearest £ 103 (103) |
Total last period to nearest £ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and bank balances at start of year | 10,915 | 4,800 | - | 15,164 | 2,196 | 5,944 | 4,554 | 2,852 | - | 14,776 | 103 | 42,741 | |||||
| Surplus / (deficit) shown on receipts and payments account |
1,815 | - | 4,989 | 6,695 | (2,196) | (5,944) | (334) | (825) | - | (4,994) | (103) | 18,564 | |||||
| - | |||||||||||||||||
| - | |||||||||||||||||
| Cash and bank balances at end of year (Agree balances with receipts and payments account(s)) |
12,730 | 4,800 | 4,989 | 21,858 | - | - | 4,220 | 2,028 | - | 9,782 | - | 61,305 | |||||
| 61,305 | |||||||||||||||||
| (898) | |||||||||||||||||
| - | |||||||||||||||||
| - | |||||||||||||||||
| 60,407 |
B2 Investments
B3 Other assets
| - Details |
- Details |
- | - **Fund to which ** |
asset belongs | - 1 Market valuation to nearest £ |
- - - - 1 - 1 Last year to nearest £ Last year to nearest £ - 27 14 17 10 165 170 456 626 319 157 149 104 842 356 479 254 683 53 |
|---|---|---|---|---|---|---|
| Details Printer 2 Printers Shredder 2 Mobile Phones Badge Maker 2 Flipchart Stands 1 Cordless Phone 2 Cordless Phones 4 Lenovo Tablets - 17.06.220 2 Monitors for office - 03.09.21 2 Lenovo Laptops - 15.11.21 2 Laptopsplus bundle - 30.01.23 1 Laptop& bag 2 Chromebook - 30.01.23 1 Monitor - 11.12.23 1 Monitor - 11.12.23 3 Lenovo Laptops- 11.12.23 1 Apple IPAD 10.2 256gb- 11.12.23 2 Apple IPAD 10.2 64gb- 11.12.23 2 SamsungTablets- 11.12.23 2 Acer Laptops- 11.12.23 3 IPAD Covers 2 moneytins 3 microwaves 1 fridge 1 fridge freezer |
Fund to which as | set belongs | Total Cost (if available) to nearest £ |
- | - | |
| Current value (if available) to nearest £ |
||||||
| Printer | Restd funds 2 West D | un Com Budget | 150 | 20 | 27 | |
| 2 Printers | Donated | |||||
| Shredder | Restd funds 2 West D | un Com Budget | 80 | 11 | 14 | |
| 2 Mobile Phones | Restd funds 2 West D | un Com Budget | 98 | 13 | 17 | |
| Badge Maker | Restd funds 2 West D | un Com Budget | 55 | 7 | 10 | |
| 2 Flipchart Stands | Donated | |||||
| 1 Cordless Phone | Donated | |||||
| 2 Cordless Phones | Donated | |||||
| 4 Lenovo Tablets - 17.06.220 | Restd funds 8 Founda | tion Scotland | 520 | 124 | 165 | |
| 2 Monitors for office - 03.09.21 | Unrestricted funds - G | eneral Account | 403 | 128 | 170 | |
| 2 Lenovo Laptops - 15.11.21 | Unrestricted funds - G | eneral Account | 1,080 | 342 | 456 | |
| 2 Laptopsplus bundle - 30.01.23 | Unrestricted funds - G | eneral Account | 1,112 | 469 | 626 | |
| 1 Laptop& bag | Unrestricted funds - G | eneral Account | 425 | 239 | 319 | |
| 2 Chromebook - 30.01.23 | Unrestricted funds - G | eneral Account | 279 | 118 | 157 | |
| 1 Monitor - 11.12.23 | SCVO Funding | 199 | 112 | 149 | ||
| 1 Monitor - 11.12.23 | SCVO Funding | 139 | 78 | 104 | ||
| 3 Lenovo Laptops- 11.12.23 | SCVO Funding | 1,122 | 631 | 842 | ||
| 1 Apple IPAD 10.2 256gb- 11.12.23 | SCVO Funding | 474 | 267 | 356 | ||
| 2 Apple IPAD 10.2 64gb- 11.12.23 | SCVO Funding | 638 | 359 | 479 | ||
| 2 SamsungTablets- 11.12.23 | SCVO Funding | 338 | 190 | 254 | ||
| 2 Acer Laptops- 11.12.23 | SCVO Funding | 910 | 512 | 683 | ||
| 3 IPAD Covers | SCVO Funding | 71 | 40 | 53 | ||
| 2 moneytins | Donated | |||||
| 3 microwaves | Donated | |||||
| 1 fridge | Donated | |||||
| 1 fridge freezer | Donated |
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APPENDIX 2 7 Office Desks & 18 Chairs Donated
Large Conferencing Table Donated
Total 8,108 3,667 4,890
Details Fund to which liability relates Amount due Last year
to nearest £ to nearest £
B4 Liabilities
Total - -
Details Fund to which liability relates Amount(estimate) due Last year
to nearest £ to nearest £
B5 Contingent liabilities
Total - -
Signed by one or two trustees on behalf of all the trustees Date of
approval
04/11/2025
04/11/2025
----- End of picture text -----
APPENDIX 2
SCO48160
Improving Lives
Additional analysis (1)
Analysis of receipts and payments
1 Donations
| 1Donations | 1Donations | |||||||
|---|---|---|---|---|---|---|---|---|
| Unrestricted funds to nearest £ |
Restricted funds to nearest £ |
Total current period to nearest £ |
Total last period to nearest £ |
|||||
| Donations | 20,754 | - | 20,754 | 4,501 | ||||
| - | - | |||||||
| - | - | |||||||
| - | - | |||||||
| Total 2Grants West Dunbartonshire Council Glasgow Airport The Big Lottery Fund Awards for All Robertson Trust WDCVS Inspiring Scotland SCVO KB Funding Asda Foundation |
20,754 | - | 4,501 | 4,501 | ||||
| reference Total last period to nearest £ |
||||||||
| West Dunbartonshire Council | - | - | 4,800 | |||||
| Glasgow Airport | - | - | 1,000 | |||||
| The Big Lottery Fund | 77,432 | 77,432 | 61,328 | |||||
| Awards for All | - | - | 8,500 | |||||
| Robertson Trust | 6,500 | 6,500 | 6,500 | |||||
| WDCVS | - | - | 8,400 | |||||
| Inspiring Scotland | 63,176 | 63,176 | 30,583 | |||||
| SCVO | - | - | 5,143 | |||||
| KB Funding | 10,000 | 10,000 | - | |||||
| Asda Foundation | 400 | 400 | - | |||||
| Corra Foundation | 7,500 | 7,500 | 7,500 | |||||
| Total | 17,900 | 147,108 | 165,008 | 133,755 | ||||
APPENDIX 3
Scottish Charity Regulator
' -- _ ~~————~~ lndep dent_examiner ——————— s_ ~~———~~ report on_ ~~e~~ the c1ccounts ~~e~~ __ 2
Report to the Charity m.e trustees/members of :Improving Lives
| Report to the trustees/members of |
Report to theCharity m.e.ee trustees/members of:Improving LivesImproving Lives |
|---|---|
| Registered charity SC048160 | Registered charity SC048160 |
| number | number |
| On the accounts of the | Period start date Period end date |
| charity for the period | . Day Month Year Day Month Year |
| 101 :03 2024 to 8 02 25 |
|
| Set out on pages | Kremember toinclude the page iiumbersof additional sheets) |
| Respective responsibilities of trustees and examiner |
Respective responsibilities of trustees and examiner The charity's trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities and Trustee Investment (Scotland) 2005 Act and the 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, attention should be drawn in order to enable a proper understanding of the accounts to be reached.
Signed: r'l ltt / 2-J • Name: Relevant professional qualification(s) or body (if any):**
Address:
*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.
•• OSCR will accept digital or typed signatures
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