Warm greetings on behalf of the Supervisory Committee, the Board and the Management team.

It was indeed a pleasure meeting with a large number of members at the 39th AGM at the Lagoon Resort in Navua. The Annual Report including the financial reports for FTU-CTCL and Fiji Hideaway Resort were unanimously approved by the house.

Copies of the report have been sent to the Branches for distribution to the members. Please read and note the changes to benefits provided. A further increase in the loan ceiling and longer repayment period for motor vehicles is now in effect.