Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697777223762.pdf (Fiji)
FIJI PUBLIC TRUSTEE CORPORATION LIMITED FIJI PUBLIC TRUSTEE CORPORATION LIMITED FIJI PUBLIC TRUSTEE CORPORATION LIMITED ANNUAL REPORT ANNUAL REPORT ANNUAL REPORT 2017 20172017 PARLIAMENT OF FIJI PARLIAMENTARY PAPER 86/2018 Table of Contents Chairman’s Report Chairman’s Report The Year in Review The Year in Review Board of Directors Board of Directors Management Team Management Team Organisation Structure Organisation Structure Workforce & Human Resources Workforce & Human Resource Vision & Mission Vision & Mission Strategic Plan 2015 -2017 Strategic Plan 2015 - 2017 Financial Performance Financial Performance Operations Performance Operations Performance Financial Performance – Revenue & Expenses Financial Performance - Revenue & Expenses Financial Position Financial Position Estates Administration Trustee Services Estates Administration Legal Services Trustee Services Financial Statements Legal Services Financial Statements Page Page Chairman’s Report It is always a pleasant task for any Chairman to write a report when the entity has had a successful year; or, as is the case with the Fiji Public Trustee Corporation Limited, a string of 12 successful years.
FPTCL continues to make progress in spite of some stiff competition from a number of organisations.

The Board, Management and staff have remained resolute, and true to their tasks to ensure that the services provided by the Fiji Public Trustee Corporation Limited are relevant and readily available to our clients and potential customers, and that the institution remains viable.
This has only been possible through team-work, and as Chairman I wish to record my gratitude to my fellow Board Director, the CEO and his staff, the Permanent Secretary of the Ministry of Public Enterprises and our other stakeholders.
Vinaka Vakalevu all Ikbal Jannif Chairman 2 Page The Year in Review In 2017 the focus was on the Corporation’s key strategies of delivering better services to the people and in ensuring that the company remains financially viable in years to come.
We provided estate administration services to over three thousand beneficiaries, trustee services to over five thousand minor beneficiaries, prepared and currently hold over three thousand wills for individuals.

We also assisted people of unsound mind and the elderly and these are provided to the people of Fiji at no cost to Government.
This year is the third year of the current strategic plan with the vision to be Fiji’s preferred and leading provider of estate administration, trust administration and will services.

In aspiring towards this vision, the Corporation embarked on a strategic change programme, which includes the simplification and standardising of business processes, systems, and procedures, development, and up-skilling of human resources, improvement in the standard of services and upgrading of information technology.
We continue to diversify the services provided to the people with the introduction of legal conveyance services to complement our core business.

These services are not only value-adding but provide alternatives and better access to justice with professional and affordable legal services for the people of Fiji.

In the coming years, we will be providing additional trust products and new estate planning services based on customer demands and through the innovative ideas of our people.
The Corporation recorded a total comprehensive income of $455,925 compared to $386,445 in 2016, an increase of 18%.

Net profit before income tax was $311,984 and net profit after tax was $259,523.

Income from fees and charges decreased by 7%, whilst income from investments increased by 2%.

The total expenses increased by 12% mainly due to the increase in human resource expenses and increase in depreciation costs on the new IT server installed.
The Board of Directors approved the payment of half a million dollars as the dividend payment to Government for the 2017 financial year.

This will increase the total amount of dividends paid to Government since corporatisation to $5 million or 54% of the average shareholders’ funds over the years.
During the year the Corporation has given back to society through its social corporate responsibility in funding the rebuilding of the Penang Primary School Kindergarten, which was destroyed by cyclone Winston in 2016.

In addition, as part of our non-commercial obligation, the Corporation will be providing free service to our clients who are considered socially and economically disadvantaged Fijians.

This will enable them to own homes and properties as part of their inheritance.
Looking forward, the Corporation as a state-owned entity will continue to strive as a business to provide estate and trustee services and innovate to provide affordable legal, financial administration and social services to the people of Fiji at no cost to Government.

I wish to thank the Directors, my management team and our hard-working staff for the achievements of another successful year in 2017.
Atonio Takala Chief Executive Officer 3 Page Members of the Board of Directors Mr. Jannif is the Managing Director and CEO of Caines Jannif Limited and has served on the Boards of the Reserve Bank of Fiji and FRCA.
From 1989 to April 2015 he was on the Council of the University of the South Pacific where he served as the Chair of the Audit Committee, Deputy Chair of Council for two terms, before becoming Chair of Council and Pro-Chancellor in January 2013.

In April 2015, he resigned from USP to take up the position of Chair of Council and Chancellor of the Fiji National University.

He is also the Chairman of the Pacific Fishing Company Ltd (PAFCO).
Mr. Ikbal Jannif Chairman He received the Companion of the Order of Fiji award in 2017 for service to the community.

He is a Justice of the Peace.

Mrs. Sera B Nicholls Director Mrs. Nicholls has held a range of roles including Trade Liaison with the British High Commission and Regional Representative for Crown Agents for Overseas Governments.

From 2004 to 2009, she held various roles at ANZ Pacific Operations including Manager Risk and later Head of Governance, Projects and Special Initiatives.
From 2010 to 2011, Mrs. Nicholls was CEO for Suva City Council and is now Managing Director of her company.

In 2002, she established Fiji’s first public private partnership with the Fiji Export Council.

She also established the Purchasing & Logistics Management Association in 2000 and was President until 2004.

In 2007 she established the ICT Association of Fiji and led a team of exhibitors to the 2008 Sydney CeBIT Exhibition.
She was a Director of Food Processors Fiji Ltd, before becoming Chairperson (2003-2014).

She was Chairperson of the Oversight Committee (2010-2015) of the Global Fund’s Country Coordinating Committee in Fiji, consulting with the Ministry of Health.
Mrs. Nicholls has been recognised for her work on several occasions, receiving awards for Outstanding Quality Circle Manager of the Year by the Fiji National Convention on Quality, ANZ Pacific Leadership recognised her as a Pacific Star in 2006, and she was also honoured by the Fiji Government when she received the Fiji Independence 25th Anniversary Medal for service to the community.
4 Page Management Team Management Team Mr. Atonio Takala Mr. Atonio Takala Chief Executive Officer Chief Executive Officer Mr. John Mow Mr. John Mow Manager Finance & Manager Finance & Administration Administration Mr. Takala joined the Corporation in November 2008 as the Mr. Takala joined the Corporation in November 2008 as the Manager Finance and Administration and was appointed Chief Manager Finance and Administration and was appointed Chief Executive Officer in August 2013.
Mr. Takala holds an MBA and a Executive Officer in August 2013.

Mr. Takala holds an MBA and a B.Com from USP and is an associate of the Society of Trust & B.Com from USP and is an associate of the Society of Trust & Estates Practitioners of NZ, an accredited mediator from the Estates Practitioners of NZ, an accredited mediator from the Singapore Mediation Centre and a member of the Fiji Institute of Singapore Mediation Centre and a member of the Fiji Institute of Accountants.
Prior to joining FPTCL, he was employed with various Accountants.

Prior to joining FPTCL, he was employed with various organisations and accounting firms.

organisations and accounting firms.

Mr. Mow is the current Manager Finance & Administration who Mr. Mow is the current Manager Finance & Administration who joined in the beginning of 2018.

He holds a B.Com in Accounting & joined in the beginning of 2018.

He holds a B.Com in Accounting & Economics from USP.
He was previously employed as a senior Economics from USP.

He was previously employed as a senior financial analyst with the Ministry of Public Enterprises and as an financial analyst with the Ministry of Public Enterprises and as an auditor with PricewaterhouseCoopers.

He is an associate member auditor with PricewaterhouseCoopers.

He is an associate member of CPA Australia.

of CPA Australia.
of CPA Australia.

Ms. Drekeni joined the Corporation in 2014 as an Estate Officer, Ms. Drekeni joined the Corporation in 2014 as an Estate Officer, was promoted to Team Leader Estates & Trust in 2016 before her was promoted to Team Leader Estates & Trust in 2016 before her appointment as Manager Estates & Trust in June 2017.

She was appointment as Manager Estates & Trust in June 2017.
She was previously employed in paralegal work with various law firms, previously employed in paralegal work with various law firms, is statutory organisations and government departments.

She is statutory organisations and government departments.

She currently pursuing studies in LLB with USP.

currently pursuing studies in LLB with USP.


Ms. Salaseini Drekeni Ms. Salaseini Drekeni Manager Estates & Trusts Manager Estates & Trusts Ms. Lal is currently the Manager Legal; she joined FPTCL in the Ms. Lal is currently the Manager Legal; she joined FPTCL in the beginning of 2018.

She holds a Law Degree and PDLP from USP beginning of 2018.

She holds a Law Degree and PDLP from USP and a valid legal practicing certificate for Fiji.

Prior to joining and a valid legal practicing certificate for Fiji.
Prior to joining FPTCL, she was employed as a Senior Legal Officer with the Legal FPTCL, she was employed as a Senior Legal Officer with the Legal Aid Commission and has worked with various law firms in the past.

Aid Commission and has worked with various law firms in the past.
Ms. Priya Lal Ms. Priya Lal Manager Legal Manager Legal 5 Page Organisation Chart Board of Directors Chief Executive Officer Executive Support Manager Legal Manager Estates & Trusts Manager Finance & Administration Legal Executive Team Leader Estates Team Leader Trusts Trust Accountant Conveyance Estate Officers Trust Officers Clerical Officers Driver/Messenger Registry Clerk 6 Page Workforce and Human Resources “The workforce included 22 staff members, and comprises of 55% females and 45% males” Gender Composition 2017 Female 55% Male 45% “The Corporation provides education and medical assistance to staff” The total number of staff within the organisation at the end of 2017 was 22.
The workforce included 18 staff members, 3 managers and the CEO and comprises of 55% females and 45% males.

Our strategies in maintaining and developing our people include training and development on leadership for middle level executives, customer services, training of trainers, and others as provided by the National Training & Productivity Centre of the Fiji National University.
Some staff are enrolled at local universities for courses and programmes such as business management, commerce (management & HR) and law.

These are provided under the Corporation’s education assistance programme that helps staff achieve formal qualifications.

The Corporation also participated in the Fiji Business Excellence Awards in 2017 and was recognised for its achievements.

There is also a medical benefit scheme available to staff.
The 2016 performance management system rewards were approved and paid to staff in 2017.

The annual staff and family day was held on 30th June 2017 in Suva where team bonding exercises were part of the activities of the day.

The Corporate Planning workshop was held in August to set-up the 2018-2020 strategic plans.

This was attended by the management and staff, the board of directors and representatives from the Ministry of Public Enterprises.
7 Page Vision and Mission Vision - To be Fiji’s preferred and leading provider of estate administration, trustee and will services.

Mission - To provide Fijians with expert, professional and timely service.

Our Purpose The company’s major business activities are: a) b) c) d) Administration of deceased persons’ estates; Trustee services; Will making; Power of attorney services.
Our Values We value honesty, integrity, respect, professionalism and timeliness in providing our services: a) b) c) d) e) f) g) Honesty Being open and honest in all our dealings; Integrity Adhering to moral and ethical principles of the business and maintaining the highest integrity at all times; Respect Treating all with high regard and esteem through our services; Professionalism Discharging our duties with integrity, providing quality service and being reliable and responsible; Customer Service Providing timely and accurate information; Implementing suggestions from customers on how we can serve them better; Timeliness Committing towards creating and meeting realistic deadlines; Our People Training, developing, maintaining and rewarding our people.
8 Page s ’ e e y o p m e l l a u d i v i d n i e h t
                 d e r r e f e r p s ’ i j i F e b o T
9 7 1 0 2 – 5 1 0 2 n a P c g e a t l i r t S - Page Financial Performance “Over the period, the average increase in revenue was 9%, average increase in expenses was 12% and average increase in net profit before tax was 11%.” Figure.1 s e s n e p x E l a t o T & e u n e v e R l a t o T 2,500,000 2,000,000 1,500,000 1,000,000 500,000 - Financial Performance 1,000,000 900,000 800,000 700,000 600,000 500,000 400,000 300,000 200,000 100,000 - x a T r e t f A t i f o r P t e N Total Revenue Total Expenses Net Profit After Tax The Corporation’s financial performance in the last ten years is depicted in Figure 1.
Over the period, the average annual increase in revenue was 9%, average increase in expenses was 12% and an average increase in net profit before tax was 11%.

The Corporation continues the trend of achieving profitability for the twelfth consecutive year despite business challenges.
numerous facing increasing The challenges in our business arise from competition in the market, certain legislation and policy changes affecting our trust the cost of doing business, business and innovating to meet customers’ changing demands.

We have over the years working on identifying new services based on customers’ demand and this has generated the much-needed income to supplement the Corporation’s core business.
However, despite the business challenges faced and also the reduction in revenue and net profit after tax in the current period, the Corporation has declared a dividend of $500,000 for the 2017 financial year, taking the total dividend paid to Government in the last ten years to $5 million, which on average is 34% of the total shareholders’ funds.
10 Page Operations Performance “In 2017, fees and charges from core business reduced by 7%, whilst income from investments increased by 2%, resulting in total income of $1.19 million in 2017…” Income Trend Figure.2 $1,200,000 $1,000,000 $800,000 $600,000 $400,000 $200,000 $0 Fees & Charges Interest income Other Income legislated under The Corporation’s revenue is derived from fees and charges, interest on investments and other income.
The fees charged by the Corporation are as the Fiji Public Trustee Corporation Act, 2006.

Estate administration fees are recognised on the timing of services the value of assets under provided and administration.

from In 2017, fees and charges from core business investments income reduced by 7%, increased by 2%, resulting in total income of $1.19 million in 2017 compared to $1.23 million in 2016.
The financial objective of our current strategic plan is to work towards increasing our core business income from fees and charges by 63% in 2018 with an overall income growth of 40% in 2018.

Improving the delivery of our services remains at the forefront of our strategic objectives and this will be further enhanced through the current business process improvements, further training and development of our people and better stakeholder relationships with our business partners.
Will awareness and marketing has been successful by reaching out to the public and being part of the community.

Awareness was done through group presentations, government expeditions, radio and TV talkback shows and advertisements through the social media.

The feedback has been positive with an increasing number of Wills drafted, queries online and queries through our offices.
The Corporation will continue to identify new marketing methods and will continue to invest on marketing to improve visibility and increase awareness of the current services and new services as well.

Whilst our primary objective is the long-term financial viability of our business and ensuring that we remain a relevant part of the economy, we also provide quasi-judicial services at no charge as part of our social responsibility.
11 Page Financial Performance – Revenue & Expenses Figure.3 2017 – Income Composition Other income, 2% Interest income, 48% Fees & charges, 49% Figure.4 2017 – Expenses Composition in 2017 in Figure 3, The financial performance of the Corporation over the years has been affected by many factors.
As depicted the revenue comprises of fees and charges 49%, Interest Income from investment 48% and Other Income 2%.

The fees and charges are legislated fees charged at various stages of the administration process and based on the value of estates or trusts.

The total value of assets is a major factor in determining the fees to the Corporation and the cost to the customer.

There is no inheritance tax in Fiji; however, Capital Gains Tax (CGT) is the applicable on settlement of an estate.
Other income comprises rental income and training grants received.

the distribution made in from Income Interest investments has been volatile in the past years mainly due to the financial markets.

The performance of Corporation’s investments are 81% in financial assets and 12% in real property.

The Corporation will be exploring further investment strategies to improve income from investments.

the The expenses over the last ten years increased on average by 12%.
The Corporation’s expenses comprise of staff and employee costs – 65%, general & administration costs – 32% and selling expenses – 3%.

This is depicted in Figure 4.

The corporation is continuing to identify new services to complement our core business and supplement income from estates & trusts.
General & Admin Exp, 32% Staff & Employee Cost, 65% Selling Exp, 3% 12 Page Financial Position Figure 5 18,000,000 16,000,000 Financial Position s 14,000,000 e i t i l i 12,000,000 b a i L 10,000,000 & s t e s s A 8,000,000 6,000,000 l a t o T 4,000,000 2,000,000 - 16,000,000 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 - y t i u q E ' l s r e d o h e r a h S l a t o T Total Assets Total Liabilities Shareholders’ Equity the Corporation as at 31st Total Assets of December 2017 was $15,339,192 comprising the following: Financial Assets Property, Plant & Equipment Receivables Cash & Cash Equivalents Other Assets 81% 12% 3% 3% 1% Total Assets increased by 73% in 2017 after reviewing of the provisions in Trust.
In 2017 upon review of the provisions in Trust, it was agreed that the provision for investment impairment and part of the provision for trust claims be withdrawn.

The decision was based on an external audit International recommendation Financial Reporting Standards and verification conducted by consultants Ernst & Young followed by a formal Board resolution.
to comply with Total Liabilities of the Corporation as at 31st December 2017 were $618,327 comprising the following: Trade & Other Payables Dividend payable 19% 81% liabilities are mainly debts from The current operations that are cleared within 12 months period.

The Board recommended a dividend of $0.5million which will be paid to Government in 2018.
Total Shareholders’ Equity as at 31st December 2017 stood at $14,720,865 comprising the following: Capital Reserve Retained Earnings Revaluation Reserve Other Reserve 31% 24% 4% 41% to The other reserves amounting to $5.98 million is a building reserve fund which will be utilised to the company construct an extension headquarters.

The Capital Reserves of 31% or $4.8 million consists of the surplus funds as per Sect.

12 of the FPTC Act 2006.


The retained earnings are $3.4million and dividend declared of financial year.

The $500,000 Revaluation Reserves are gains recorded through the revaluation of financial assets and share capital remains at $2.

the 2017 for Cash flow and liquidity continue to be favourable, improving the solvency status of the corporation.
This is evident in the key liquidity and solvency ratios in the table below: Ratio 2013 2014 2015 2016 2017 Return on Assets Return on Equity Current Ratio Debt to Equity 4% 4% 17:1 2% 7% 8% 83:1 0% 4% 5% 1:1 19% 3% 3% 12:1 1% 2% 2% 2:1 4% Major Financial Achievements The Corporation has achieved the following due to the stringent and prudent management of finances:  Twelfth consecutive year of recording net profit after tax and average growth in net profit after tax of 11%;  Payment of dividend amounting to $5million and declaration of after tax dividend amounting to $500,000 for the 2017 financial year;  Zero long term borrowings for the last ten years;  Stable liquidity and solvency position;  New reserve account amounting to $5.98million to fund the extension to the company headquarters.
13 Page Estates Administration The Estates team provides executor and administration services for the distribution of a deceased person’s estate.

FPTCL is a one-stop shop in dealing with the estate from application to High Court, collation of assets, locating beneficiaries, settlement of debts, tax clearances, transfer of property and distribution of assets.

of kin.
of kin.

Where there is no known next of kin, Public Trustee actively seeks to locate the beneficiaries entitled to share in the distribution of the estate under the laws of intestacy.

In 2017, the section opened 56 estate files valued at $4.5 million and settled and finalized 108 estates with a value of $2.1million.
The FPTCL administers estates where: - there is a will appointing the Fiji Public Movements in Estates Trustee as executor; - there is no will and the beneficiaries or relatives appoint Fiji Public close Trustee to act; - an existing executor is unable to fulfill the task and renounces it in favour of Fiji Public Trustee; - when the High Court appoints Fiji Public Trustee to administer.
Administering deceased persons’ estate is a specialized activity requiring some knowledge of the legal and financial issues the Fiji involved.

Many clients choose Public Trustee for the impartiality that an independent executor can offer, particularly where there is a likelihood of family conflict over inheritance.

At such a traumatic time, when family are grieving, Estate staffs carry out their important role with empathy, tact, and professionalism.
Staffs always consult with beneficiaries, particularly regarding the sale of property and personal effects.

Ultimately, we ensure that the wishes of the deceased are met.
friends and The Estate Department also manages estates for people who have died intestate (without making a Will) usually at the request of beneficiaries of the deceased person, or where there is no obvious next 2013 2014 2015 2016 2017 New Estates Value of New Estates Estates Settled & Closed 62 $2.7M 55 57 $3.7M 19 66 $4.12M 27 74 $3.4M 34 56 $4.5M 108 Estates Administration Fees The common legislated estate administration fees charged on services provided are as follows; Particulars of Services Particulars of Fees 1.
Estates of Deceased Persons Charges 1.5% of the gross value of Estate/Trust Plus out of Pocket expenses 2.

Estates of persons of unsound mind and incapable persons Acceptance Fees (a) On the first $20,000.00 of the gross value of the estate (b) On any sum in excess of $20,000.00 (a) Transfer/Sales of Share (b) Transfer & registration of Titles, Lease etc.
1.5% 1% 5% of the gross value of transfer 1% on the gross value transferred on distribution plus 1.5% for any sum in excess of $50,000 plus Disbursement Distribution Fees The Fiji Public Trustee Corporation Limited (Fees & Charges) Regulations 2008, outlines details of fees and charges.

 14 Page minor trust, which is now administered by the High Court through changes in the FNPF Act.
The Corporation has made applications to court on a case-by-case basis to assist minors in the proper management of their trust funds.

We are now offering other trust services based on customer demand such as personal management services to help people manage their financial affairs.

In 2017, there were 104 new trusts with a value of approximately $160,000 compared to 123 with a value of $191,000 in 2016.
There were 274 trust accounts valued at $1.38 million fully settled in 2016 compared to 324 trusts settled and valued at $1.70 million in 2016 Trust Funds are invested in a common pooled fund, which is maintained by management and closely supervised by the Board of Directors.

Investments are placed in managed funds, bank term deposits and government bonds for both income and growth.

Trust Funds on hand as 31 December in the last 5 years 2013 2014 2015 2016 2017 No.
of Trust A/C on Hand 10,171 9,821 9,309 9,108 11,418 Value of Trusts $21.7M $19.4M $17.3M $15.8M $15.1M The interest distributed on the Trust & Estate funds were $874K or 4.32% in 2017 compared to $842K or 4.12% in 2016.

Trustee Services Generally, a trust is a right in property (real or personal) which is held in a fiduciary relationship by one party for the benefit of another.
trust The Trust Team deals with the administration services such as for minors, trust FNPF/superannuation testamentary through a will; trusts compensation trusts by appointment of court or individuals, disability trusts and living trusts.

Like any trustee, the Fiji Public Trustee must protect trust assets and ensure they are managed and administered appropriately as per the conditions of the trust including those for minors and people of unsound mind.
The FPTCL’s duties as trustee are to:  hold and protect trust funds;  invest the funds during the term of the trust;  make appropriate disbursements from the trust;  pay out the funds to the beneficiary at majority age or as per the conditions of the Trust.

Life Interest is a trust created by a will to allow a nominated beneficiary to live in a property for the duration of their lifetime.
The Fiji Public Trustee retains ownership of the property for the life of the beneficiary known as the life tenant.

On the death of the life tenant, the will usually directs the Fiji Public Trustee to distribute the house to another beneficiary or beneficiaries.

We also manage trust funds for a number of people with unsound mind and those incapacities; work with disabilities and closely with guardians to ensure that the welfare of the beneficiaries is taken care of.
In the last two years, the total number of new trusts dropped, mainly from FNPF 15 Page Legal Services The legal team provides legal advice to the Corporation pertaining to the Corporation’s role as an executor, trustee, manager and attorney relevant legislations.
consistent with The legal services team assists in the conduct of:  Litigation for contested estate and trust matters and for wills prepared by the Fiji Public Trustee;  Guidance to staff on specific legal matters and training and in developing staff on legislation and legal updates;  Conveyance work related to client trust and administration estate, matters.
The legal team also offers other legal services, which were introduced in 2014 and have become very popular with private executors and administrators of estates.

These included: Executor assistance services; Applications for grants to the high The new services were introduced after collaboration and research work by staff from the legal, estates, trust and finance sections.
The legal team also conducts regular refresher training for staff on the various acts and legislation that directly affects the services provided by the Corporation.

This includes amendments to legislation, and lessons from various estate, trust and wills case from the local and the Commonwealth jurisdiction.

A significant future challenge is the increase in the volume of estates and cases with legal issues of increasing commercial complexity.
The other legal services provided in 2016 and 2017 were as follows: Legal Services No.

of Application for Court Grants No.

of Application for Property Transfers No.

of Other Conveyance services No.

of Other legal services 2017 2016 29 12 9 24 20 11 10 16 court; Transfer of property including Stamp Duty applications and Capital Gains Tax lodgment; Tax clearance; (titles, wills, probates Searches etc.
); Legal conveyance work; Deed poll; and Deed of family arrangements.
16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page Fiji Public Trustee Corporation Limited Offices: Suva Headquarters Public Trustee House, 83 Amy Street, Suva PO Box 2276, Govt.
Bldgs., Suva, Fiji Islands Phone: 3315990, Voda: 5044, Digi: 612 Email: info@fptcl.com.fj Lautoka Suite 9, Popular Building, Cnr Naviti Street and Vidilo Street, Lautoka Phone: 6660503, Voda: 5034 Labasa Lot 10 Sangam Avenue, Labasa Phone: 8811120, Voda: 5032 www.fijipublictrustee.com